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canon A1200 Refurb $38.99 with free 8gb SD Card plus ship and tax
Added on : Thursday April 17th 2014 11:00:03 AM
g: 0 Posted By: cerich
Views: 202 Replies: 1 http://shop.usa.canon.com/shop/en/catalog/powershot-a1200-silver...Shoot Your Way with this Easy, Affordable New Camera.

Sleekly redesigned in classic Black or Silver, the new PowerShot A1200 digital camera is all about capturing your memories your way. An Optical Viewfinder gives you an easy, familiar alternative to composing shots with an LCD screen. Smart AUTO takes care of all the details while you focus on getting the shot you want, by intelligently selecting the proper settings for the camera based on 32 predefined shooting situations. And now you can preserve your memories exactly the way you see them in incredibly true-to-life 720p HD. With 12.0 Megapixels, you'll be able to blow up your shots without losing a single detail, and the 4x Wide-Angle (28mm) Optical Zoom gets you close to the action quickly. The camera uses AA batteries, so you'll have power anytime, anywhere. New Discreet Mode lets you shoot where you never could before, by disabling sound, flash and AF beam. Looking to put a little artistry in your photography? New Creative Filters mode makes it easy with appealing options like Fisheye Effect, Miniature Effect, Monochrome and more.FeaturesIt's Your Choice: LCD or Optical Viewfinder.
The PowerShot A1200 digital camera gives you a choice that's getting increasingly hard to find on digital cameras today. It's equipped with an Optical Viewfinder in addition to the LCD screen. Many photographers prefer this classic, familiar option that lets you simply hold the camera to your eye and shoot.

The camera's big, bright LCD screen gives you a wealth of important information about the shot. However, using it to compose and focus requires that you hold the camera away from your body. Many people do this with one hand, arms away from the body, effectively creating camera shake that can distort a shot. Using the Optical Viewfinder helps ensure that the camera is held steady. The great thing is that from shot to shot, whether you use the Optical Viewfinder or LCD screen is your choice.

Everything's Easy.
Just set the Canon PowerShot A1200 digital camera to Smart AUTO and you're ready for maximum enjoyment from your picture-taking every time. It's a relaxing and satisfying way to shoot because you can completely concentrate on your subject knowing that the camera has the technical details covered. Advanced Canon technology intelligently analyzes your situation and shooting conditions. Then it automatically selects an appropriate setting from 32 specially defined settings.

In Still Images or 720p HD Video, Every Detail is Beautifully Preserved.
PowerShot A1200 digital camera puts you in charge when it comes to saving your memories. Canon technology lets you capture beautiful still images no matter what your level of photographic experience. Portraits of people posing or in motion, outdoor shots in various weather situations, nighttime shooting and more: the camera handles them all with ease when you shoot in Smart AUTO. High megapixel counts let you blow up and crop your still images just as you please, with no loss in resolution or quality.

Want to capture the good times in motion? Canon's 720p HD video gives your memories the quality they deserve. If you've never shot video in high definition before, you'll be amazed at the difference it makes. 720p HD delivers stunning realism, capturing every detail with a level of clarity that, in playback, will bring you right back into the moment. Easy high definition videos from a compact still camera - now that's value!

See the Image on a Big Screen.
The PowerShot A1200 digital camera has a large 2.7-inch LCD screen that gives you the big picture, whether you're shooting, reviewing or showing off your images. This high-resolution screen offers a crisp, clear and bright picture. It also features Night Display for easy viewing in low light.

Photographic Artistry That's Easy for Anyone.
Fisheye Effect imparts a fun, familiar curvilinear distortion to your image that's ideal for kids and pets. Miniature Effect plays with perspective, giving any shot the look of a world created in much smaller proportions - great for landscapes and city shots. When you shoot in Toy Camera Effect, you get the vintage effect of a first-generation camera, ideal for giving portraits a slightly distorted, unevenly saturated look of a picture you'd come across in your attic. Monochrome lends a moody beauty to your photography, producing shots in Black & White, Sepia or Blue. Super Vivid saturates colors to heighten the intensity and impact of any shot. Poster Effect takes away transitions between objects in the frame to give your image the high-impact look of a hand-painted poster.

CANON iMAGE GATEWAY Qualified
An online resource offering digital imaging education and photo and video sharing capabilities exclusively for registered owners of qualified Canon products. Members can read up on topics related to their products, how-to articles, and more.
PowerShot A1200 IS Kit Refurbished Contents

PowerShot A1200 Body Refurbished
2 AA batteries
Wrist Strap WS-800
USB Interface Cable IFC-400PCU
Digital Camera Solution CD-ROM



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g: 0 Posted By: remick
Views: 0 Replies: 0 The 50 Best Tips EVER for Running Fitter, Faster and Forever (Instructional Videos and Running Plans Included)
http://www.amazon.com/gp/product/B00HVS5DT2

5.0 out of 5 stars (20 customer reviews)

I tried everything. Changing shoes, changing nutrition, changing my running form and changing my training plan. I even prayed to the running gods! It didnt matter. Every time Id bolt out the door for a run something new would hurt. I was a broken down, frustrated runner. The most common pain was in my calves and I used to joke that you could flip a coin for which one was going to hurt that day. Because of this, I wasnt getting fitter and my times certainly werent getting faster (in fact, they were getting slower). Running wasnt fun.

Even though it seems like only yesterday, that was five years ago. At the time, the more things I changed, the more it felt like I was wasting my time. But slowly my running started to improve. My body felt better...and healthier. I got fitter...and I got faster. Im an experimenter at heart I love tinkering with different things and trying to figure out not only what works...but what works the BEST. In this case, I was after the secret sauce of running.

And I believe I've found it.
What Does an Extreme Early Retirement REALLY Require To Work?
Added on : Wednesday April 16th 2014 08:00:06 PM
g: 1 Posted By: robronson
Views: 14 Replies: 0 Mr Money Moustache and several other Early Retirement Extreme bloggers have been all the rage the last few years. I think ERE is certainly a possibility but only for very few people in very specific circumstances. Most of the time people who mention ERE on this forum (and on Bogleheads) are laughed at. Let's have a real discussion about what circumstances could allow one to retire in their 30s or 40s.

1) No children. If you have kids or want kids, ERE will be something almost impossible to attain for 99.999% of people. The problem is not only the high cost of children but also the uncertainty in costs. You never know how much your kid will cost (braces, emergency medical care, lawyer after getting arrested, etc.). The variability is so high you can't plan for it.

2) No health problems. If you are obese, are a chronic smoker, have diabetes, or some other issues, you're boned. Your expenses will be highly variable. On the positive side, early retirement could allow you greater freedom to exercise more, cook all your own meals and eat healthier, get more sleep, reduce stress, and improve your health. This almost certainly will reduce your long-term healthcare costs, if you have the discipline and desire to live a healthy lifestyle.

3) Willingness to live in a low cost-of-living area. If you want/need to live in Manhattan or San Francisco, you're boned. 99.9% of people won't be able to save up enough money by their 30s/40s to retire in a place where rent is $3k per month. You'll easily need 3x to 4x as much money to retire in a place like NYC or SF as you would to retire in Florida.

Those are my top 3. There's many people who crap on people planning for ERE because of those top three reasons. Some people (who live in places like SF or NYC) say, "What good is retiring if I have to live in some crappy place?" My reply is "What good is living in SF if you're working 60 hours a week and commuting 20 hours a week and can't enjoy it?"

Some people (who are obese from poor diet and lack of exercise) say "how can you retire early when healthcare costs are so expensive and go up 10% a year?" My reply is, "If you take care of yourself, you'll eliminate 99% of all medical problems and by not working, you'll have more time to exercise, eat well, and maintain good health."

Numbers wise, I'd like to have enough money such that I can take out 2.5% per year and meet my annual expenses. I'd also like to semi-retire for a few years where I cut back my work to only 2 months a year, for a few years after I retire. That would allow me to keep my consulting skills relatively fresh, keep my toe in the water in case I decide I need or want to re-enter the field full time, and also delay distributions of my savings. That allows compound interest to work for a few more years.

I also think it's important to have several skills you enjoy doing that can fall back on in early retirement for extra cash. For example, maybe you like fixing cars. You can do that for a few hours each month on random side jobs for extra beer money. The detractors against ERE argue "but that's not retirement if you're working!" to which I retort, if you enjoy doing it, and can get a little cash on the side to do it, and you don't need to do it because you're financially independent, then it's retirement. You could turn the job down if the customer starts being difficult or if you simply don't want to get out of bed that month. Maybe you enjoy children and want to be a tutor. Maybe you like painting and are good enough to make a small bit of money selling at galleries. It doesn't really matter how little you make from these side jobs, since you don't need the money, as long as you enjoy it, and it does add a little bit to your savings.

Has anyone else here considered early retirement? Or considered why it wouldn't be feasible for themselves?
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FREE Skewed [Kindle Edition] by Anne McAneny
Added on : Wednesday April 16th 2014 08:00:06 AM
g: 0 Posted By: atiggger
Views: 155 Replies: 0 FREE Skewed [Kindle Edition] by Anne McAneny

http://www.amazon.com/Skewed-Anne-McAneny-ebook/dp/B00IU11F0U/re...[Kindle Edition]Anne McAneny(Author)=x-small4.8 out of 5 starsSee all reviews(10 customer reviews)
Digital List Price: $4.99What's this? Print List Price: $8.99 Kindle Price: $0.00 You Save: $8.99 (100%)


Length:323 pages (Contains Real Page Numbers)
Don't have a Kindle?Get your Kindle here.


Formats Amazon Price New from Used from Kindle Edition $0.00 -- -- Paperback $7.54 $7.54 $28.65

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Book DescriptionPublication Date:March 5, 2014SKEWED a tantalizing mystery thriller that opens with a bang, drags you through the muck, and delivers a shocking jolt of a finale...

Janie Perkins rocks a warped relationship with cameras. Forced in front of them as an infant under grim circumstances, she now hides behind them as a crime scene photographer with a bad habit. But for a girl born to a waitress in a comaput there courtesy of a bullet from her famous fatherwarped relationships are the norm. When Janie receives two photos of her mothers crime scene, taken by an unknown third party, she gains a dire perspective on the decades-old death, one that threatens to upend her life and resurrect the wrath of the long- dormant Haiku Killer.

With her twin brother running for office and her own problems rising to the fore, Janie finds herself in the dreaded spotlight again. These recent photos wont help matters. Enlisting the help of a unique crime consultant, a newbie detective, and her estranged father, Janie pries off the layers of deceit that marked her mothers final day. But as an unwelcome truth finally comes into focus, Janie may wish shed left things undeveloped. Will she now pay the ultimate price for finally righting her skewed existence?
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Free Kindle Book- A Quick Start Guide to Traveling With Your Dog
Added on : Wednesday April 16th 2014 02:00:05 AM
g: 0 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B00BU1E40K

Today, its very easy to take your pets whenever you travel. It can be
a trip to the beach, another state or even another country. No matter
where you go, hotels, airlines, cruise lines and even restaurants have
become more open in accepting pets. In fact, some of them have
even upgraded their services so they can cater the needs of pets and
pet owners together. For this reason, its almost unfair if we leave
our animals behind when we travel, and we dont need to come up
with excuses about not bringing out animals along.

If its your first time taking your pets with you, you may find it
quite complicated since there are some things you need to consider
before you travel. You also need to attend to the needs of your pet
all throughout the length of your journey. Thats why this eBook was
created. It will serve as a guide, especially for pet owners, who will be traveling with their dogs.

A Quick Start Guide to Traveling With Your Dog covers the following topics and more:
- Should You Travel With Your Dog?
- Things to Pack When Traveling With Your Dog
- Things to Do and Places to Go
- Finding Dog-Friendly Hotels
- Traveling by Car
- Traveling by Plane
- Traveling by Boat
- Dining With Dogs
- Dog Medications for Travel
- Overview on International Pet Travel
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g: 3 Posted By: remick
Views: 242 Replies: 0 http://www.amazon.com/dp/B00BM9A5XA

4.6 out of 5 stars (12 customer reviews)

Successful Minute Taking and writing. How to prepare, write and organize agendas and minutes of meetings. Learn to take notes and write minutes of meetings. Your role as the minute taker and how you interact with the chair and other attendees. I'd rather throw myself downstairs - That was how I used to feel about minute taking; this book is for those among you who feel the same. It is aimed at secretaries, PAs and administrators and covers the issues that worry them. These are based on the things that worried me and that have worried my hundreds of delegates over the last 10 years. This book is easy to read and has lots of exercises to help you develop your skills. It has advice on note taking, summarizing, preparing agendas, becoming more confident in your role, working with the chair, writing skills, listening skills and the difference between making notes at the meeting and writing the minutes. There is a useful list of the order of tasks and a checklist with timings. There is a free downloadable booklet with all the exercises in it for you. The author, Heather, has experience not only of undertaking the role of secretary and PA but she also has 10 years' experience in training other people to use the skills she has and she shares all of this experience in this book. If you want to learn how to take minutes with ease then this is the book for you. What do people think? 'I had a real phobia about minute taking and was dreading today, but you've really taken away my fear. It's all fallen into place.' Beverley, Leeds 'One of the best facilitators ever - quite clearly Heather had an extensive knowledge of the skills needed and she wanted to share best practice. Everyone had a part to play and felt confident enough to ask and contribute whatever their level of expertise. Heather was very approachable.' 'This was excellent and clearly met all of its objectives. The course was well planned and the subject matter presented in a clear, logical and interesting way.' 'Heather had very good subject knowledge and is a very good trainer. She used a number of different teaching methods and was excellent at putting the group at ease; everyone joined in.' Committee servicing and minute taking for Leeds Metropolitan University 'I'm fairly comfortable with taking minutes, but find I write a lot of notes in the meeting which probably aren't necessary. I've learned how to condense effectively.' 'Heather was very practical and helpful; understood the reality of taking minutes and not just the theory!' Minute taking for RiverStone Management Limited 'I enjoyed the course and found it relevant to my needs. The trainer was helpful and able to answer questions.' 'I found the course really useful and the style very easy to understand.' Minute taking for Yorkshire Television About the author: Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff (www.bakerthompsonassoc.co.uk). She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to personal assistant to the managing director, commuting regularly between their offices in Manchester and London. Heather conceived the speedwriting system BakerWrite and wrote the Amazon best selling book based on this system which is also available as an online training course
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g: 0 Posted By: remick
Views: 131 Replies: 0 http://www.amazon.com/dp/B00CO5TQV8

Achieve CPLP Knowledge Exam success faster, easier, and your first time through!
Are you preparing for the CPLP Knowledge Exam? Are you looking for ways to make the study process more manageable?
Outlining a systematic, step-by-step study process, "Mastering the CPLP" assists CPLP candidates in decreasing their study time and improving their exam scores by helping them to get organized and to focus on the exam content that matters most.

This book is an ideal resource for delegates who seek to validate their skills and knowledge against a globally recognized professional standard, as this book helps those professionals prepare a personalized, individual study plan for achieving success on the CPLP Knowledge Exam the first phase of the CPLP certification process.

Features proven strategies and planning techniques for study preparation
Provides access to bonus materials, including a link to sample practice questions, flashcards, and ancillary materials

This book is must-have preparation for those looking to take the CPLP Knowledge Exam in order to strengthen their resume.
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g: 0 Posted By: remick
Views: 246 Replies: 0 TEAS V 5 Prep Test CHEMISTRY ESSENTIALS Flash Cards
http://www.amazon.com/gp/product/B00JH1XDVQ

700 questions and answers. Essential definitions, formulas, concepts, and sample problems. Topics: Introduction, Matter, Atoms, Formulas, Moles, Reactions, Elements, Periodic Table, Electrons, Chemical Bonds, Heat, Gases, Phase Changes, Solutions, Reaction Rates, Equilibrium, Acids and Bases, Oxidation and Reduction, Introduction to Organic Chemistry, Radioactivity



TEAS V 5 Prep Test BIOLOGY ESSENTIALS Flash Cards
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450 questions and answers (ILLUSTRATED). Essential definitions and concepts. Topics: Cells, Biochemistry and Energy, Evolution and Classification, Kingdoms: Bacteria, Fungi, Protista; Kingdom: Plantae, Kingdom: Animalia, Human Locomotion, Human Circulation and Immunology, Human Respiration and Excretion, Human Digestion, Human Nervous System, Human Endocrinology, Reproduction and Development, Genetics, Ecology



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TEAS V 5 Prep Test VOCABULARY ESSENTIALS Flash Cards
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g: 0 Posted By: remick
Views: 61 Replies: 0 TEAS V 5 Prep Test CHEMISTRY ESSENTIALS Flash Cards
http://www.amazon.com/gp/product/B00JH1XDVQ

700 questions and answers. Essential definitions, formulas, concepts, and sample problems. Topics: Introduction, Matter, Atoms, Formulas, Moles, Reactions, Elements, Periodic Table, Electrons, Chemical Bonds, Heat, Gases, Phase Changes, Solutions, Reaction Rates, Equilibrium, Acids and Bases, Oxidation and Reduction, Introduction to Organic Chemistry, Radioactivity



TEAS V 5 Prep Test BIOLOGY ESSENTIALS Flash Cards
http://www.amazon.com/gp/product/B00JH1XSPW

450 questions and answers (ILLUSTRATED). Essential definitions and concepts. Topics: Cells, Biochemistry and Energy, Evolution and Classification, Kingdoms: Bacteria, Fungi, Protista; Kingdom: Plantae, Kingdom: Animalia, Human Locomotion, Human Circulation and Immunology, Human Respiration and Excretion, Human Digestion, Human Nervous System, Human Endocrinology, Reproduction and Development, Genetics, Ecology



TEAS V 5 Prep Test ALGEBRA ESSENTIALS Flash Cards
http://www.amazon.com/gp/product/B00JH1PCWE

TEAS V 5 Prep Test ARITHMETIC REVIEW Flash Cards
http://www.amazon.com/gp/product/B00JH2I11C/

TEAS V 5 Prep Test VOCABULARY ESSENTIALS Flash Cards
http://www.amazon.com/VOCABULARY-ESSENTIALS-Cards--CRAM---TEAS-R...
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g: 0 Posted By: remick
Views: 80 Replies: 0 http://www.amazon.com/gp/product/B00I7UEY3E

4.8 out of 5 stars (5 customer reviews)

There are many of games you could play, but you have chosen to play golf. Golf is a game of skill, patience, and perseverance. Hitting a perfect score like a pro can happen, but you need to know the strategies and techniques needed to do so. In this book, Harry D. Mitchell, gives you everything you need to know to drive and play like a pro! You will learn:
-Why your attitude REALLY matters
-The correct golf pose
-The different types of clubs
-The most effective grip position to drive the ball long
-How to sink a putt with fewer strokes
-Proper nutrition habits
-Why you should practice weaknesses and not your strengths


also

Golf's Simple Secrets - Increase Your Power
http://www.amazon.com/Golfs-Simple-Secrets-Increase-Power-ebook/...
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g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/dp/B007SQBG4

4.7 out of 5 stars (66 customer reviews)

Revised Edition...

If you have EVER done a portrait...then you must have heard the question, "what should I do with my hands?"

Did you have an answer? Check out this course volume and you will! In just a matter of moments you will never be at a loss for what to do with the hands again!

And that's not all! In this volume we discuss posing the arms too! We cover the basic positions and how to direct the model into them. There are tons of variations for the upper arms, forearms and hands.

This massively illustrated, easy to read and easy to understand course volume will show you everything you need in order to completely MASTER the art of posing hands and arms.

To see what you are getting... Here is a list of the Table Of Contents:

Contents
Introduction
An Anchor Point
Missing Arms
Talking With Your Hands!
Hands Pointed Up Or Down?
Making Hands Look Younger!
Arms
Foreshortened Arms
Elongated Arms
Keep The Arms Parallel To The Camera
Positioning The Upper Arm
The Upper Arm Positions
Down
Up
Out
In
Combinations
The Forearm
The Trap
The Teapot Pose
Photo Exercise
The Hand
Broad Surface On Back Of Hand
Broad Surface On Front Of Hand
Narrow Edge - Thumb Side
Narrow Edge - Pinky Side
The Wrist
The Twist
The Break
Front Wrist Break
Back Wrist Break
Wrist Break Towards The Pinky
Wrist Break Towards The Thumb
Hand Positions
The Broad Hand
The Tapered Hand
11 Ways To Pose The Hand
Holding A Prop
On The Chin
At The Lapel Or Necktie
On The Hip
On Opposite Arm
On Top Of (Or Behind) The Head
At The Waistline
In The Pocket
At The Side
On The Lap Or The Knee
Leaning On An Object
The Fingernails
Jewelry and Accessories
Photo Exercise 2
Additional Photo Training

Here is your chance to FINALLY have an answer to the question, "What should I do with my hands?" In fact, if it isn't in here, it probably isn't worth knowing! Get your copy right now and withing an hour you will never be at a loss as to how to pose hands and arms again!
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Free!!! A BiggerPockets Guide: How to Rent Your House [Kindle Edition]
Added on : Saturday April 12th 2014 03:00:03 PM
g: 0 Posted By: fredymendez
Views: 193 Replies: 1 4.7 Stars out of 5.0

Described as "hands down, the best freaking article on renting your home, period," this short, easy-to-read guide from BiggerPockets.com - The Premier Online Social Network for Real Estate Investors - is packed full of actionable tips gained from years of real estate investing trial-and-error. The techniques shared within this guide will walk you through the entire process, step-by-step, to get your home rented with the least amount of stress possible.

From "the five initial questions you must ask yourself before getting started" to the final handing off of the keys, this guide is the definitive guide for any landlord. No matter what your background, this guide from BiggerPockets.com will help you gain the knowledge needed to successfully rent your property out to quality tenants who pay on time, won't trash the home, and will help you build your wealth.

Link
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g: 0 Posted By: remick
Views: 160 Replies: 0 http://www.amazon.com/dp/B00HMT7IWU


Learn Killer Craps Strategy In Record Time!
So your bags are packed and you are ready to meet with all your buddies in Las Vegas, Atlantic City or any other casino you might be heading to. Maybe you are heading to sunny Florida, or the Foxwoods in Connecticut, but that really doesn't matter. What matters is that when you see your friends this year you will be a winner...

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Remember last trip when you were the biggest loser of your group of friends in Vegas? This year that won't happen. Because when you learn these proven winning strategies your Craps game will undoubtedly line your pockets and have your buddies begging you to teach them your winning ways. Picture all of your friends who made fun of you last year, begging you for the answers this year.

The purpose of this book is to help you answer the age old question of how to beat the house at their own game. So make this year the year, or even this week the week, that you go to the casino and you're the one on top.
Download these proven strategies for beating the casino in the game of Craps and you'll be truly happy you did. Just follow the simple steps and you will be on your way to high payouts.
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Purse Organizers Set of 3 $29.99 sale $9.99 + ship wdrake.com/
Added on : Friday April 11th 2014 04:00:03 AM
g: 0 Posted By: DaysFan
Views: 14 Replies: 1 http://www.wdrake.com/free shipping on orders of $39 or more
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g: 1 Posted By: Farfisa850
Views: 164 Replies: 0 Link!

The Samsung Gear 2 Neo is the smart companion watch tailored to your look and lifestyle. With real-time notifications, calls and fitness tracking right at our wrist, you can stay focused in the moment. No matter where your day takes you, your Gear 2 Neo matches your style to keep you connected without feeling distracted.

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g: 0 Posted By: st4rdust
Views: 148 Replies: 0 The revised and expanded edition of Freakonomics (and Other Riddles of Modern Life),by Steven D. Levitt and Stephen J. Dubner, is available for $1.99.

Kindle Edition from Amazon
Android Edition from Google Play
Nook Edition from Barnes & Noble



For those of you who haven't read this book, I highly recommend it. I found it fascinating. 339,759 users at Goodreads gave it3.86/5 stars.

Here's Amazon's blurb:

"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? Why do drug dealers still live with their moms? How much do parents really matter? How did the legalization of abortion affect the rate of violent crime?These may not sound like typical questions for an econo-mist to ask. But Steven D. Levitt is not a typical economist. He is a much-heralded scholar who studies the riddles of everyday lifefrom cheating and crime to sports and child-rearingand whose conclusions turn conventional wisdom on its head.Freakonomicsis a groundbreaking collaboration between Levitt and Stephen J. Dubner, an award-winning author and journalist. They usually begin with a mountain of data and a simple question. Some of these questions concern life-and-death issues; others have an admittedly freakish quality. Thus the new field of study contained in this book: freakonomics.Through forceful storytelling and wry insight, Levitt and Dubner show that economics is, at root, the study of incentiveshow people get what they want, or need, especially when other people want or need the same thing. InFreakonomics, they explore the hidden side of . . . well, everything. The inner workings of a crack gang. The truth about real-estate agents. The myths of campaign finance. The telltale marks of a cheating schoolteacher. The secrets of the Klu Klux Klan.What unites all these stories is a belief that the modern world, despite a great deal of complexity and downright deceit, is not impenetrable, is not unknowable, andif the right questions are askedis even more intriguing than we think. All it takes is a new way of looking.Freakonomicsestablishes this unconventional premise: If morality represents how we would like the world to work, then economics represents how it actually does work. It is true that readers of this book will be armed with enough riddles and stories to last a thousand cocktail parties. ButFreakonomicscan provide more than that. It will literally redefine the way we view the modern world."
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g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00IDHDHMK

5.0 out of 5 stars (9 customer reviews)

If you travel and work online, youre dependent on technology. Love it or hate it, its part of your daily life without it, you wont get paid and yet its something thats barely mentioned when people talk about this lifestyle.

Working from the road comes with a unique set of challenges. The systems, equipment and processes that are perfect in a traditional office environment rarely work well outside of it. Unreliable Internet and no dedicated workplace make productivity a challenge, and the need to fit everything in your luggage severely limits your equipment choices.

Security is a major problem, yet one thats largely ignored until its too late. Theres a big difference between sitting in a cubicle protected by access cards and security guards, and wandering around the streets of a foreign city trying to find a cafe to work in. In the euphoria of finding a wireless network that actually functions, its rare to stop and think about the passwords and confidential information that youre sending across it and who else might be looking at them.

The risk of equipment failure is much higher on the streets of South East Asia than in an air-conditioned Manhattan office, yet theres no tech support person backing up your data or ready to come around with a new laptop when yours breaks.

You cant just walk around to a colleagues desk when theyre ten thousand miles and nine time zones away. Working together with a business partner or client is much harder when you're on the road, especially if youre trying to do everything by email.

If youre like most digital nomads, youre not a tech guru nor do you want to be. Instead, youre an expert in your own field an artist, photographer, writer, engineer or something else entirely. Every hour thats wasted trying to fix a computer problem is an hour youd much rather spend doing anything else. You just need things to work, using the right tools for the job and having enough knowledge to get everything done safely, securely and with a minimum of hassle. Technology is simply a means to an end.

Ive written this book for you.

Whether youre already a digital nomad or are planning to be, this book provides you with the straightforward, practical tech advice you need to work safely and effectively from anywhere.

Ill give you the knowledge to choose exactly which equipment you need and be certain about what you don't. Whether its a laptop, phone, hard drive or anything else, youll be able to focus on the features that matter on the road, and go beyond the sales people and specifications to make truly informed decisions.

Ill help you and your data stay secure in highly-insecure environments (including some you probably havent thought about). Youll have the right tools and gear to get faster, cheaper and more reliable Internet connections anywhere in the world and will know what to do when those connections inevitably stop working.

Youll save money on phone and data bills, and be able to collaborate effectively with others whether theyre on the other side of the table or the other side of the world. Youll know exactly how to prevent a tech disaster from destroying your business, and which websites and apps are worth your time and money.

In short, I completely demystify the technology behind life as a digital nomad. By the end of this book, youll be armed with the technical knowledge, skills, equipment and tools to run your business from wherever in the world you happen to be.
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Free Kindle Book - Negotiating When Money Matters: Home Improvement
Added on : Tuesday April 08th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B00F6GIOW4

5.0 out of 5 stars (10 customer reviews)

Negotiating When Money Matters provides a low-stress, ethical way to get the best price. Contemplating a home improvement or repair? Dread the hassle, hate wondering if you've been overcharged? Most of us aren't Do-It-Yourselfers. The typical homeowner spends $4,000 per year on home improvement. If you own a home, you are on the verge of needing repairs or getting an upgrade; when or what is TBD.
To get the best price, you don't need to know their job or outsmart them. You just need to know what factors cause the price to go up and sidestep those. Find out the surprising thing you can do, taking about an hour of your time, that makes your chosen contractor give a competitive, honest price.
This delightfully juicy book covers the Three Things Businesses Value More Than Money, the 10 risk factors that increase the price, and how the payment schedule determines whether the job is done on time, or done at all.
Keeping yourself out of the overcharged group is easier than you think. It makes you a double winner, because customers who get a fair price are also more likely to get good work.
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Free - Hidden Truth Magazine (religious) by Amazing Facts
Added on : Monday April 07th 2014 11:00:16 AM
g: 0 Posted By: remick
Views: 226 Replies: 0 http://www.ghosttruth.com/request-free-book

I'm not sure if this a book, single magazine or subscription

The analysis in this website is taken from the pages of the Bible. It seeks to represent the truth about ghosts, apparitions, strange manifestations, and other supernatural phenomena from the Bibles perspective, because we believe this is the only authoritative source on the matter. Whatever your religious background, we invite you to consider this perspective as you search for the truth about ghosts, death, and life itself. The following pages of this site elaborate upon our beliefs, including why we believe the Bible can be trusted to give us the truth.
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g: 1 Posted By: remick
Views: 252 Replies: 0 Secrets to a Happy Life: Finding Satisfaction in Any Situation
http://www.amazon.com/gp/product/B00B85M3LA/

4.6 out of 5 stars (48 customer reviews)

Inspiring Biblical Wisdom Helps Readers Overcome Dissatisfaction and Discontent

Deep, lasting satisfaction and contentment elude many people. In his accessible book, Giovannetti addresses this contemporary issue by guiding readers through the life of Joseph in the book of Genesis. He answers the question Is contentment possible? with a resounding yes. Biblical wisdom and practical advice will help the reader find contentment in God rather than circumstances.



The Juggling Act: Bringing Balance to Your Faith, Family, and Work
http://www.amazon.com/gp/product/B008AL1QCW

Lunch is reserved for meetings, technology makes us available anytime, anywhere-and somewhere along the way 9-to-5 morphed into 24/7, and technology makes us available anytime, anywhere. Our demanding schedules crowd out what matters most: family, friends, even our faith. Although it may feel like you're living under the Big Top, take heart. You don't have to be a circus professional to keep all the plates spinning.

Pat Gelsinger understands this challenge. As a prominent executive in the Silicon Valley, Pat struggled to juggle* a thriving career with his family. Pat's pursuit of balance led him to dynamic truths that revolutionized his approach to life.

The Juggling Act shares Pat's time-tested wisdom for keeping your life in perspective. This updated and expanded revision (formerly Balancing Your Family, Faith & Work) details the guidelines for balanced living, with insights on:

Prioritizing your work, family, and God
Developing a personal mission statement
Becoming an effective employee
Creating a support system
Sharing your faith in the workplace
Books Deals

Amazon Coupons
Oakley Crankcase Men's Sunglasses - $54.99 FS @ Oakley Vault
Added on : Thursday April 03rd 2014 08:00:08 AM
g: 0 Posted By: SieSilverStars
Views: 254 Replies: 0 The Oakley Crankcase Men's Sunglasses are on sale for $54.99 with free shipping at Oakley Vault.

"Durability and all-day comfort of lightweight, stress-resistant O Matter frame material."

Linky
Sunglasses Deals
Timing Student Loan and Credit Cards
Added on : Wednesday April 02nd 2014 06:00:07 PM
g: 0 Posted By: InANutshell
Views: 142 Replies: 0 Hello:

I've read through the FAQs, guidelines, and some other helpful posts as well as searching the forum, but I did not find something directly answering my question.

I am planning on opening two credit cards (by August, one hopefully in the next week or so but can wait on the other). I am in grad school and thus will also be applying for a student loan in the next few months.

I am curious as to the timing of these requests. It seems best to apply for the student loan (since the interest directly relates to my credit score), then the cards. I read on the FAQ (I believe it was there) that you recommend trying to obtain all new credit on the same day, but then in another part of the stickied posts, there is a recommendation to wait at least a few weeks or months between new credit cards.

Would it be more advisable for my to apply for a student loan and both cards in one day or to space it out in some other manner? I am also hesitant about applying for a private loan so early when the federal rates have not come out, but I usually have a high enough credit score that my private rate is lower (plus no origination fee and graduation forgiveness) - but that's another matter.

Thanks in advance!
Personal Finance Deals
Free Kindle Book- The Old Car Nut Book
Added on : Wednesday April 02nd 2014 03:00:09 AM
g: 0 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/The-Old-Car-Nut-Book-ebook/dp/B00ENK6B06

4.9 out of 5 stars (27 customer reviews)

The Old Car Nut Book was designed with the idea that EVERYONE in the old car hobby has a story or two to tell. It provides a place for people to tell those stories that often dont get shared outside of a garage or with a couple of buddies from the back fender of a special ride during a car show. These are stories from regular Old Car Nuts from across America.

Contributors range from people like the average Joe at a car show to collectors and restorers that are very well known and respected in their local communities. These individuals have spent a lifetime of buying, selling and admiring old cars and while some of them were not that old when they started admiring them, both and the cars are older now!

The stories in this book tell about the contributors experiences from the time that cars first caught their eye up to their latest project and reveal the people and events that made an impact on them.

The Old Car Nut Book is about people and it gives readers an opportunity to find out more about like-minded people that they may never hear about otherwise. Some of the stories in this book are of people finding garages storing timeless classics, those barn finds that have always been sought after, or of rescuing jalopies rotting away in open fields or under overhanging trees and being used as chicken coupes. Some of those cars were restored and some only needed to be preserved. Others were discarded, once again, in favor of an easier or more desirable project. More importantly, youll read about the emotions, decisions, and adventures that went along with them.

Youll read about the first ride in a hot rod, the first time driving, and double dates in old beater cars available to young and nearly penniless teenagers many years ago, and how some of those old beaters are now priceless classics that sell for big bucks. First car stories are a few page flips away.

Many of the storytellers reveal how dreams of building cars began at an early age, starting with models, bikes, scooters, or dune buggies. Several painted cars with their mothers vacuum cleaners in the back yard. More than once, youll find the authors of these stories lament, I wish I still had that car!

Old Car Nuts come in all shapes, sizes, and varied levels of interest and involvement and for many, speed, and power were the things that mattered as they moved through life. Some raced and some watched. Some wrenched and some drove. Some raced at the track and some on the street. Some went to extremes to win and some were happy just making a run whether the outcome was the thrill of victory or the necessary agony of the occasional defeat.

A few witnessed historical moments and several played a part in building iconic cars. A handful of these guys cars made their way to private collections or museums and a lot of them wound up dismantled for the valuable parts.

Youll find that you will enjoy reading these stories over and over again and will want to share them with friends and family, as well. You'll laugh and you'll cry. You'll step right into the past with each story told. For now, dig in and enjoy!
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g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/gp/product/B001UE7D0K

4.4 out of 5 stars (101 customer reviews)

The number one selling Mind Map book on the Kindle is on its 3rd version. Version 3.0 is the ultimate resource on the topic of mind maps with more innovative uses, examples, and illustrations than any other book.

Also includes links to numerous free mind mapping software - no need to buy, subscribe, or submit proof of purchase. Plus a bonus section that will triple your current reading speed and comprehension in a matter of minutes.

Mind Mapping is a note taking system which allows you to take better, faster, and more efficient notes. In conventional note-taking, you write down information line by line. With Mind Maps, you organize the information more in the form of a diagram, starting with a central key idea drawn in the center of the paper.

In addition to enhancing your note taking skills, Mind Maps help you improve your studying, writing, presenting, brainstorming, and creative skills. It is one of the best note taking skills anyone can learn.
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Publix - Free Meds Program Lisinpril, Antibiotics & Metformin
Added on : Wednesday March 26th 2014 08:00:09 PM
g: 0 Posted By: CindyLouWho2
Views: 0 Replies: 0 Publix - Free Meds Program Lisinpril, Antibiotics & Metformin
Publix Free Medication Program

It doesn't matter who your prescription insurance provider is or the number of prescriptions you need filled. There's no limit to the number of refills and no forms to fill out. How's that for easy?

Hurry and drop your prescription off at your neighborhood Publix Pharmacy and get the generic medication you need, free. Bet you're feeling better already.

FREE Lisinopril

An ACE inhibitor, lisinopril is used to prevent, treat, or improve symptoms of high blood pressure, certain heart conditions, diabetes, and certain chronic kidney conditions. Get a 30-day supply of this vital prescription FREE* only at your Publix Pharmacy.
* Maximum of 30 days supply (up to 60 tablets). Lisinopril-HCTZ combination products excluded.

FREE Antibiotics

Due to the unavailability of generic Doxycycline Hyclate (capsules only), we are no longer able to offer this item on our Free Antibiotic Program.
Get up to a 14-day supply of the following generic oral antibiotics free: Amoxicillin
Ampicillin
Cephalexin (capsules and suspension only, excluding 750 mg)
Sulfamethoxazole/Trimethoprim (SMZ-TMP)
Ciprofloxacin (excluding Ciprofloxacin XR)
Penicillin VK

FREE Metformin

As part of our Publix Pharmacy Diabetes Management System, you can get up to a 30-day supply* of generic immediate-release metformin (500mg, 850 mg, and 1000 mg) FREE.

*120 tablets of metformin 500 mg or 90 tablets of metformin 850 mg and 1000 mg


http://www.publix.com/pharmacy/Free-Medications.do

g: 2 Posted By: remick
Views: 174 Replies: 0 http://www.amazon.com/dp/B0092S4PL6

Written by professional outdoor, adventure and travel photographer Dan Bailey, this is a collection of 20 simple tips that will help you break out of that creative rut and throw some new excitement into your photography. Theyre designed to get you thinking actively about your image making process, because making powerful photographs should never be a passive activity.

These 20 tips are all short, concise and easy to remember, and they clearly outline necessary elements that are needed to produce a great image. Theyre not meant to be hard set rules, theyre meant as ideas to help inspire you to begin experimenting with your own photography.
Each technique is illustrated with three image examples that let you see how it can be applied to a subject. Topics covered include light, color, composition, vantage points, using different lenses and many more.
No matter if youre shooting landscapes, nature, people, action, sports, adventure, cityscapes, street scenes, your kids soccer game, or faraway landmarks in exotic locations around the world, these techniques will help you create more dramatic imagery and improve your outdoor and nature photography.
Even if you already know all of these techniques, reviewing them again and seeing how they apply with someone elses imagery might give you new insight on how to apply a specific technique to your own subject matter.


Also Free

Point and Shoot: Digital Photography Basics for Beginners and Amateurs: Master your DSLR in 21 Days
http://www.amazon.com/dp/B00COC34UU

Point and Shoot: How to Make Your Images Look Gorgeous: Become a Pro at Image Editing in 9 Days
http://www.amazon.com/Point-Shoot-Images-Gorgeous-Editing-ebook/...

Totally Free Deals
g: 0 Posted By: CheapToGo
Views: 30 Replies: 0 T-Mobileis offering a web-only deal on the HTC One (Glacial Silver) in a REFURBISHED condition. $312.
You can pay for it entirely or go along with their 24-month plan, although paying it off in any time period within the 24 months is also welcomed. As long as you pay for that full price then it does not matter within the 24-month stretch.
Great phone, great design, and great specs, even when it is 1 flagship behind.

I personally purchased one in January of this year when I saw this deal. Absolutely flawless when I opened the package. No scratches anywhere....ANYWHERE! Screen perfect and no dead pixels. Battery life as if I bought a new phone. I felt like I hit a jackpot when I got it. No one could tell it was refurbished.

Link to phone here...
Cell Phones Deals
Car repair estimates required by law?
Added on : Tuesday March 25th 2014 07:00:11 AM
g: 0 Posted By: BenH
Views: 167 Replies: 9 We had a situation at my Condo building where a seeming malfunction of the parking gate caused it to close on an exiting car.
The car is that of a visitor of an owner and it scratched up a rear door.

We assume(d) that the homeowner's association is responsible for this damage, and we asked this guy to get an estimate.
He came back with an estimate over $1000 which seems a bit high (but may be reasonable).
We requested that he get at least one other estimate and now are being relayed by the unit owner (whose visitor it was) that our demands for another estimate are ridiculous and that the guy is going to file a police report if we don't give him an answer by today.

This incident happened on Saturday - so it hasn't even been one business day and this guy is threatening us already.

While the association isn't' necessarily trying to absolve itself of blame - are these requests unreasonable?

The guys stated that when he went to get another estimate he was told that he is only required by law to get one estimate. Is this true?
Also, what would filing a police report do? This guy was parked in a private lot based on authority of his friend (the owner). Isn't this purely a private matter?

This is in Chicago.

thanks.
Personal Finance Deals
Health Insurance - UCR vs PPO - Huge Medical Bill
Added on : Tuesday March 25th 2014 06:00:25 AM
g: 0 Posted By: Lappie
Views: 68 Replies: 1 I do everything I can to avoid a doctor, but im getting older. I have insurance through my employer which is a PPO that uses
PHCS and Multiplan. I had to have a procedure done in December 2013 that required outpatient surgery. The necessary
pre-authorizations were obtained and all doctors and the hospital were in-network. My individual deduct is $500 and
80% Co-Ins for the plan. I thought it was pretty good.

I am now getting balance billed by the hospital for $11,000 because my insurance processed the claim using
"Reasonable and Customary Charges." I was told by my insurance company have the right to use PPO or UCR in deciding what to pay.
Of course, I have never run into this before because I dont usually require this, however, moving forward, I may.
I see of the claims, for the surgeon and anesthesiologist, are also being done this way, so I expect to owe
a few thousand there as well.

Of the approx $20,000 bills, the insurance covered about $5000.

Any help on this matter is appreciated. If nothing else, let this be a warning to you who have plans to check
your documents to see if this craziness is applicable to you. In addition, the UCR deductions are not
applicable to max out of pocket, so its payable to the provider at 100%.

This is an expensive lesson learned.
Personal Finance Deals
g: 0 Posted By: Logician1313
Views: 25 Replies: 0 Oakley Warm Up Womens' Sunglasses (Polished Black / Black Iridium) - $36.90 Shipped at OakleyVault


Normally $130.00, now $32.99 plus $3.91 shipping for a total of $36.90.



Frame:

Lightweight, stress-resistant O Matterframe material
Three-Point Fit that holds lenses in precise optical alignment
Patented hydrophilic Unobtainiumearpads and nose pads ensure a snug, secure fit
Metal icon accents


Lenses:

Optical precision and impact resistance meet or exceed Z80.3 optical and basic impact standards
UV protection of Plutonitelens material filters out 100% of UVA / UVB / UVC & harmful blue light up to 400nm
Varied field of light transmission (top to bottom) via optional gradient lens shading
Available w/Oakley prescription lenses

Sunglasses Deals
Retailers sends wrong product, wants to charge to correct it
Added on : Friday March 21st 2014 08:00:17 AM
g: -1 Posted By: medion
Views: 89 Replies: 3 Long story made short, my wife broke the remote to our 6 year old Samsung HDTV. I looked at generic universal remotes, but opted instead to go the OEM route. Ordered from this page:

http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

After shipping and handling charges, the order came to $53.25. When I got my shipping notice, they instead shipped me this item:
http://www.samsungparts.com/Products/Parts_and_Accessories/PID-B...

Despite the similar price on their website, trust me when I say that these are NOT equivalent items. I called them and this is what they confirmed for me:

When they are out of stock or back ordered, they will, as a courtesy and at their discretion, substitute a "comparable" item. There is no need for them to provide notice to the customer for this.
I may return what they send me within 30 days. However, I must pay return shipping, and they will only refund the $42, not the $53.25 that I paid.

I find this to be unacceptable. But, I don't want to jump the gun and issue a chargeback yet. Wanted to see what the FWFers have to say on this matter.

Some things I've considered (I'm a smartass):

issue chargeback (strongly considering this)
tell them that they can have their remote back that they accidently shipped to me, provided that they pay shipping (strongly considering this)
remove the remote, insert my broken remote and/or a rock and tell them, "as a courtesy and at my discretion, I have substituted a comparable item and did not see a need to notify you of this." (not seriously considering it, because it's wrong on so many levels, but so tempting...)

Personal Finance Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/Unlimited-Streaming-Internet-your-Cable-eb...

Is it time for you to cut cable TV?


Millions of Americans have cut cable TV in the last few years. They enjoy more freedom, more control and more money. Are you ready to join them?

I have yet to meet anyone who has cut cable TV, that decided to go back. Im sure there are a few, but most find they enjoy the freedom, control and money that cutting cable TV gives them and never go back after they make the switch.

This is book three of the Keys to Cut Cable TV series.

Unlimited Streaming: From the Internet to your TV:


It gives you everything you need to know to stream from your computer or other devices directly to your TV.

Roku and media devices are great for easy streaming. However, with those, your options may be limited by the available channels. Streaming from a computer or other device gives you unlimited access to everything that is available on the internet.

It is just a matter of setting it up. For many people this is a very simple solution. For others it is a little more complicated. This book will lead you through your choices so that you can decide what you want, get what you need, set it up quickly and cut cable TV.

This book answers the following questions:

Can you hook your computer to your TV?
What do you need to hook your computer to your TV?
What types of connections will give you the best results?
Should you add a graphics card?

What about Chromecast?
What does it take to set up a Chromecast?
Chromecast vs other computer streaming options, which is better for you?

Do you want a dedicated computer for your streaming needs?

Wireless or wired connection, which is right for you?.
What is the best way to set up your wireless connection for HD streaming?
How do you set up a wired ethernet connection?

Do you want to add one or more pay streaming services?
Each has unique benefits, which one is right for you?

Get your copy of Unlimited Streaming: From thRoku and Media Devices: Easy Streaming today and cut cable TV in the next seven days

The keys to cut cable TV series gives you what you need to know to make your preferred cable cutting solution work for you. If you want information on all the best cable cutting options, in one place The CTRL+ALT+DEL Plan: Cut Cable TV in 7 days. features all the information in the Keys to Cut Cable TV series.

Whichever option is right for you. Isnt it time for you to Take Control, Find Alternatives and Delete your cable TV bill?
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g: 0 Posted By: bpvh
Views: 34 Replies: 0 Office Depot rebate software for the week of 03/23/2014 ($10AR, $12AR, $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $64.99
Valid 3/23/14 through 3/29/14
Item #101-324


Bookkeeper
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$11.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $41.99
Item #865-150


MyAttorney Home & Business
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
$9.99 After $20 Mfr. Mail-In Savings
In Store Price $29.99
Item #949-667


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

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

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

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

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

NOTES:

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

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

Office Depot Coupons
Citi ThankYou points: New "Select and Credit" a crock.
Added on : Thursday March 20th 2014 09:00:13 AM
g: 0 Posted By: Dotbody
Views: 143 Replies: 3 Yesterday, I received a canned email from Citi CEO Jud Linville concerning their new "Select and Credit" program for ThankYou points. The idea is that you can redeem your points as statement credits for purchases previously made with a ThankYou reward card. This is similar to how the Amex reward cards will credit back your rewards directly to your account. The idea is that it's much easier to do that than worry about buying something with the points, or redeeming them for gift cards.

However, when I went to try redeeming my points, I saw it takes 839 points to redeem a $6.30 charge. In other words, you're paying a 25% premium just for the convenience of redeeming your points in this matter. Similar to using your points for Amazn purchases, this idea is a very expensive/inefficient way to use your points. It bothers me that Citi would not explicitly state this premium anywhere in the email, in the fine print, or even in the FAQ's when you click to learn more about it. Indeed, they simply gush about how much they "listen to suggestions" and "continually make meaningful improvements". What a crock.

Redeeming points for gift cards continues to be the best bang for your buck for the ThankYou program (unless someone knows of other possibilities).
Discussion Deals
g: 0 Posted By: manmohanrawat
Views: 67 Replies: 2 Story so far;
Wife got into a fender bender at wholefoods , exchanged insurance information , contacted OP's insurance the same day was given claim # and was told to get an estimate from the adjuster. that was last year Nov 2013
After 45 days was told they are not able to get in touch with the client ,and I got 2 more letters from OP's insurance company asking for me time and then in Feb this year I call them and then I am told they are not able to get in touch with the client and hence will be denying the claim
I just have liability only cause of an older car , Gieco now is saying that I am on my ownI went thru this archived thread and have come up with one option (Car Accident: Other Party At Fault - Denies Responsibility After the Fact To Insurance)SUE that person in small claims court

wife has pictures of the accident and insurance cards
my wife tried to get her to record a conversation but that person could not speak or hear

I was told by OP's insurance company that even if I did get that in writing they would absolutely have to talk to that person and it would have not mattered even if there is a police report.

Any ideas or suggestion.. apart from the option i mentioned above Sue in small claims











Personal Finance Deals
PLOC Term Questions
Added on : Wednesday March 19th 2014 04:00:10 AM
g: 0 Posted By: steve1jr
Views: 16 Replies: 0 Guys, I haven been looking into opening some Lines Of Credit for BT/MS mischief...not to carry a balance.

Some of the offerings I see indicate the LOC is only good for 2 years. Is it standard for LOCs to only be 'available' for a certain amount of time - if so, does it generally require additional applications and/or hard credit pulls to 'extend' them?

I'm willing to notch up a few credit inquiries to open these lines if it is a one time thing, but if the process has to be repeated every couple of years that is a different matter.


Personal Finance Deals
14.99 Freedompop w/FS
Added on : Tuesday March 18th 2014 10:00:06 AM
g: 0 Posted By: Shawnkk
Views: 222 Replies: 0 I just got this email. At this price I am going for it. Don't be hating the OP. This seems to be a refurb product if that matters to you.
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g: 3 Posted By: iLetTheDogsOut
Views: 131 Replies: 1 Craftsman 6-Amp, 2,700 RPM Corded Reciprocating Saw $29.99 P/U @ KMART

"6-Amp Corded Reciprocating Saw Is Versatile PowerIf nothing else will do the trick, add theCraftsman 6-amp corded reciprocating sawto your bag of tricks and you'll be back on track in no time. With speeds up to 2,700 rpm and a 3/4-inch blade stroke length, this saw has the power you need for construction, plumbing, demolition work, heating and air conditioning repair or jobs around the house. It can cut through wood, metal, drywall, PVC and more with ease.Weighing in at a shade over seven pounds, the6-amp corded reciprocating sawis easy to work with. Dual work lights boost visibility, while a tool-less blade clamp lets you work more efficiently. A soft handle lets you keep your grip no matter how long you're working with this high-performance saw.

For tricky projects where every other cutting device has failed you, turn to the power and versatility of theCraftsman 6-amp corded reciprocating saw
A six-amp motor and heavy-duty machined gearbox power the saw
It has a variable speed range up to 2,700 rpm with 3/4-inch blade stroke length
The adjustable shoe enhances stability and gives clear visibility of the blade in any position
Increase work productivity with the tool less blade clamp and the dual LED work lights
Eight-foot cord
Weighs 7.3 pounds
Includes the saw, blade, an Allen wrench and a manual
One-year limited warranty"


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Special Humble Bundle: 30 games (and counting) for $25
Added on : Thursday March 13th 2014 07:00:03 AM
g: 2 Posted By: Murrow
Views: 261 Replies: 0 Special Link

Introducing a bundle of love for Brandon Boyer, with more than 30 indie games (and counting) just for you!Humble Bundle has teamed with independent developers to put together a bundle like no other.

To help support this cause, pay at least $25 to receive a ton of games and all proceeds will go directly to the Brandon Boyer Cancer Treatment Relief fund. In addition to Brandons medical bills for cancer treatment, the excess funds from this promotion will be donated to a select cancer research organization.

Games and soundtracks included in the Humble Bundle of Love for Brandon:

Actual Sunlight
AirMech
Auralux
Bagfull of Wrong
BitTrip Beat Soundtrack
BitTrip Fate Soundtrack
BitTrip Runner Soundtrack
Blocks That Matter + Soundtrack
Castles in the Sky + Soundtrack
Dynamite Jack
Ensnare Soundtrack
Ethan: Meteor Hunter
Fancy Skulls
God of Blades + Soundtrack
Goscurry + Soundtrack
Mazing
McPixel + Soundtrack
Paragon
POP: Methodology Experiment One + Soundtrack
Proteus
QbQbQb
Quixotica Soundtrack
Sepulchre Special Edition with eBook + Soundtrack
Shipwreck
Sokobond
Stacking + Soundtrack
Thomas Was Alone + Soundtrack
VVVVVV + Soundtrack
Waking Mars + Soundtrack
Warp Juggler
Wizorb + Soundtrack
World of Goo + Soundtrack

Check back on this post as more games are added to the lineup. This promotion will end on Friday, March 21 at 11:59 p.m. Pacific Time. Thanks to everyone for all of your support!
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

The SharpBrains Guide to Brain Fitness: How to Optimize Brain Health and Performance at Any Age
Rating - 4.6 (37 Reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.
The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.
With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.
This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
A thought-provoking, practical and captivating read, the SharpBrains Guide makes the fascinating and complex subject of brain function and neuroplasticity easy to digest with its common sense approach. Its time to rethink, and to truly apply, use it or lose it.

Time Management: How To Get More Done in a Multitasking World
Rating - 5 (13 Reviews)

This book contains proven steps and strategies on how to effectively manage your time and accomplish more even if most of your resources are limited.
This compendium consists of sixteen chapters. Time management is clearly defined in the first chapters: the working principles, the basic techniques, and why it is important. Prioritization is likewise defined, and the basic tips on how to do it effectively are enumerated and explained. Also, the reasons why people procrastinate are explained so that readers will know how to avoid it. Productivity levels can also be improved by following simple steps.
You will learn throughout the chapters that no matter what kind of profession or walk of life you belong to, time management is a very important concept. Students, entrepreneurs, managers, and employees they have varied needs as far as time management is concerned. These are all discussed thoroughly in this book. While passing time, games that will help you develop your skills on time management are also suggested.
Read this book to be enlightened on just what time management is all about. Find out how you can learn to use your time more effectively.

Here Is A Preview Of What Youll Learn After Downloading Time Management Kindle book:

Time Management Techniques
15 Efficient Time Management Tips
Time Management for Entrepreneurs
Time Management for Managers
Time Management for Employees
Time Management for Students
Time Management Tools
Time Management Dos and Donts
Time Management Games
The Art of Prioritizing
Developing Time Management Skills
Set your Goals the Right Way
Productivity
Procrastination
How to Get More Work Done in 2 Hours
Time Management FAQs


How To Be Smarter: Brain Training To Learn New Things (Being Smart, How To Be Intelligent)
Rating - 5 (4 Reviews)

Have you always wanted to have a mental edge on the people around you? Would you like to know REAL ways to boost your brain function without using invasive techniques or hyped pills that are junk science? There ARE ways to get your brain motivated to learn and the best part is it doesnt even seem like work!

New discoveries are made all of the time when it comes to the brain and improving function. Learn the latest and best techniques that are backed by real results by people like you! Put as much or as little effort as you want to in it and you will still see drastic improvements right away. Download this book TODAY to find out:

The best mental exercises for brain function improvement
Science of increasing intelligence
How health affects intelligence
Importance of sleep
Things you can add to your diet that WILL make you smarter!
Download this book NOW and start doing the things you need to BE smarter tomorrow!

My Secret List of Sites that Pay (The Beginners Guide to Quick Easy Money)
Rating - 4.6 (11 Reviews)

Why is it so difficult to determine which websites will pay us real money? Most sites claim to pay, but their payment methods are rarely in the form of cash that can be sent to your bank account and used to pay the bills. In this guide, the author reveals twenty-five websites that will pay you real money. None of these websites will ever ask you for a penny to get started. Stop your search right here, because the links in this book are the only ones that you will ever need.
You do not need to have prior experience for most all of these gigs. If you do have a skill or trade, you can certainly use it to your advantage.

If the following strike your interest, then reading this guide will give you the direct links to the sites that pay, which will walk you through the process so you are confident with what you are doing.

Below are a few of the options that you will find in this guide.

Submitting product/book reviews
Editing small pieces of work for others
Giving professional or personal advice on just about anything you can think of
Getting paid to put together professional slide-shows or short videos for other companies
Posting advertisement banners on the web, and getting paid for the clicks
Making money on a blog, and getting paid to ramble about literally whatever you want
Putting together flyers/logo designs for those needing advertising
Making video testimonials for a product/business
Deciding what to charge per service (my favorite part)


There you have it. Its real, its legit, and its the quickest and easiest cash Ive ever made. Not to mention, from home.

101 Juicing Recipes: The Complete Nutrition Rich Green Vegetables and Fruits Juice Recipes for Weight Loss and Healthy Living
Rating - 4.8 (11 Reviews)

How to apply Juice Fasting Program to lose 7 lbs in 7 days with these Nutritious Rich Juice Recipes.
The juice fasting plan is a fresh fruit and veggie detox that gives the digestive system a much needed break. High vitamins, minerals, and other essential nutritional elements are the key to getting rid of built up toxins and loss of unwanted weight gain.
The Modern World Is Filled With Stressors And Pollutants That Can Be Effectively Eliminated With Fresh Juice.
A Beloved Childhood Snack, Juice Is An On The Go Option That Advances Skin And Organ Health Through Adulthood.

Fresh Fruits and Vegetables Juicing Help You to Transform Your Body For:

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Freedom from Luggage: Packing Light to Simplify Travel
Rating - 4.8 (5 Reviews)

Travel without luggage. Really. Without luggage!
We first enjoyed packless travel while celebrating our retirement with two months touring New Zealand. Having escaped the many burdens of luggage, we offer you the same opportunity.
Learn step-by-step how to develop an efficient collection of travel clothes. Discover new ways to carry the few accessories we really need. You can be ready for most occasions and weather with a minimum of clean, fresh, wrinkle-free extra clothes. The goal: avoiding the hassle of even a roll-around carry-on.
Recognizing that some situations like cruises require some luggage, we also offer strategies for determining when you really need luggage and when you dont. Then we describe how to minimize any luggage you take.
We invite you to experience the freedom of packless travel.

Travel Resolutions: 52 New Ways to Experience Planet Earth
Rating - 4.3 (3 Reviews)

Every day is a good day to make a resolution. Let Lonely Planet help you celebrate travel and create your ultimate travel wish list. Our FREE ebook Travel Resolutions: 52 New Ways to Experience Planet Earth features some of the most inspiring travel experiences from the travel experts at Lonely Planet. Paraglide in South Africa; rock climb in China; sleep in a tree-house on Canadas Vancouver Island; take a cooking course in Jordan or a flower-arranging course in Kyoto; go clubbing in Berlin; and much more. The 52 experiences introduced in this planning ebook will whet your travel appetite and help you to decide which promises to make and inspire you to keep them all. Begin your journey now!

Beginners Guide to Fly Fishing
Rating - 5 (1 Review)

In many cases an anglers life proceeds in a series of stages. To begin with he goes in for the simplest way of catching fish because at that stage his sole outlook is to deceive as many fish as possible at each outing, irrespective of the size or lack of cunning of such fish.
Later the angler may well find that he feels an urge to try something more difficult in the way of either fishing methods or fish.
Gradually he finds that there can be immense satisfaction in catching fewer fish, but of better size, possibly through mastering a more difficult method of fishing which, when he started fishing, seemed beyond his skill.
Eventually, having tried out various methods among various fish, most enthusiasts settle down to one, or perhaps two methods and apply them to the pursuit of one or two kinds of fish.
You have of course, exceptions. There are those who are dedicated to coarse fishing with bait and who would not waste time going after trout or salmon. You have the trout or salmon Fanatics who would not fish with bait for any fish and who have no interest in coarse fishing. Then there are the few who divide their time between coarse and game fishing.
For myself I am a trout and salmon addict and nowadays I fish only with the fly. That does not mean that I do not admire those who fish for other fish in other ways. Indeed I think that the coarse fisher of the English waters is worthy of the greatest admiration as a very sporting gentleman who goes to immense trouble and expends great skill to catch fish, all of which he returns to the water. What could be more sporting than that?
In my own case I caught my first trout on fly and it was at a later date that I enjoyed flood fishing with the worm.
So with salmon-my first fish was on a fly and it was in later years that I learned spinning with the difficult centre-pin reel and then went on through almost all the spinning reels that were manufactured. Eventually I turned to the fly completely for the simple reason that I love fly fishing better than any other method I have tried.
Today, as I see it, too many beginners buy a fixed-spool reel, find it simple to work and then, gaining an impression that fly casting is difficult, they go on bait fishing or spinning even though they feel they would like to try the fly.
I am not going to say that there is anything wrong in this but I do feel that many of our younger anglers today would like to try fly fishing if only they had someone to guide them at the start.
If in this way I can help even a few anglers to share the joy and the satisfaction that fly fishing has given to me over the years I will have been amply repaid.

Move the Ball: How the Game of American Football Can Help You Achieve Your Life Goals
Rating - 5 (2 Reviews)

Move the Ball draws parallels between football and life. The two are very similiar in that the principles needed to win the game of football are the same principles you need to win the game of life. Football teaches you how to use the strategies of the game to tackle any obstacle, beat any blitz, and overcome any blindside on lifes field. No matter what the situation, football provides you with the tools necessary to scramble through a field of defenders, move the ball forward, get into the end zone, and achieve lifes goals.
Achieving lifes goals comes down to this: hard work, teamwork, discipline, and dedication. In both situations, these principles build the conviction to drive that ball into your end zone and score. Defenders on your personal field intentionally want to stop the ball and limit your movement. You must recognize these defenders exist and have a plan to outmaneuver them. This book teaches you how to recognize the blitz, adjust to the blitz, and beat the blitz.
In football and in life, the players need to define the goals, invent the playbook, and execute the plays. Move the Ball draws upon the football playbook to show you how to do this and realize your dreams. Great players dont settle for being ordinary. They have a strong belief in themselves and strive to be extraordinary. They have M.A.D. P.R.I.D.E. This book shows you how you can use the elements of M.A.D. P.R.I.D.E. to overcome any obstacle and win.
As human beings, we need challenges to value our accomplishments; to experience the joy and elation of winning against obstacles. A great persons true character is displayed when he is able to face adversity, persevere, and accomplish his goals.
Life is about happiness. You only live once, so make every minute count. Life is about never giving up. Dont stop playing the game until its over. Life is about getting into the end zone and winning. You will achieve greatness.
The time is now for you to make the change. Are ready to move the ball?

Bow & Arrow, Archery Set for Scouts (Illustrated How to Build Guide #1)
Rating - 4.2 (23 Reviews)

This is a simple and illustrated, HOW-TO guide for an economical and environmentally friendly, Archery Set.
The materials used are bamboo, reed grass, and recycled man-made materials found easily around the world most prominently in third-world countries.
This guide will allow scouts in all economic situations to learn gadget building skills and archery, hence reinforcing the idea that Scouts Build a Better World.
Hopefully, experienced archers will find this guide entertaining and challenging, allowing them to expand their creativity and handicraft skills.
The author envisions a series of guides that serve to further enhance the development of scouts archery skills, while teaching them rudimentary survival tactics that they can both enjoy and benefit from.

HOW TO MAKE A WEBSITE OR BLOG: with WordPress, WITHOUT Coding, on your own domain, all in under 2 hours! (THE MAKE MONEY FROM HOME LIONS CLUB)
Rating - 4.4 (44 Reviews)

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
when a broker increases the IRA closing fee..
Added on : Saturday March 08th 2014 08:00:09 PM
g: 0 Posted By: gargam3l
Views: 84 Replies: 0 I got notice that the closing fee on an IRA account is increasing. Seems a bit ruthless, considering you're penalized no matter what. E.g., early withdrawal has a tax penalty, while staying with them enables them to increase the closing fee to unreasonable levels. Transferring to another broker and paying the current fee leaves savers paying a penalty before every increase. Usually when transferring over to the brokers who pay the closure costs of the former broker, these same brokers have closing fees of their own.

Is it possible to draw the account down to $1 after retirement, and just let the dollar sit there forever to avoid the closing cost?

Is it generally possible to transfer all but $1?
Personal Finance Deals
door ding in parking lot, but I have other car's plate
Added on : Saturday March 08th 2014 01:00:09 PM
g: 0 Posted By: civ2k1
Views: 225 Replies: 6 I was parking in a parking structure this afternoon and there were no spaces available after driving all the levels. On the way down I found 1, but the guy was parked over the line.

I only planned to be gone for about 20 minutes, so it would be quick.

I was able to park leaving reasonable space on one side (where the neighbouring car that was parked in his space wasn't inconvenienced), and I climbed out of my car on the passenger side.

I took a couple photos of the car over the line and his plate just in case (should have listened to my inner voice and just not parked there).

Anyway, I just got back to my car and there's a pretty serious door ding (door panel is creased). I guess technically I can't prove it was that guy since I didn't see it happen. Should I waste my time reporting to my insurance (I'm assuming they can track the guy down based on the plate) or just suck it up because reporting to my insurance won't help and I'll end up with a claim on my record?

And I know, I was probably asking for it by knowingly parking there. Let's move on from that.

Edited to add: quite likely the door that hit me is a rental car, not sure if that helps, hurts, or doesn't matter. And I don't know how to post pics from mobile, but will do so later.
Discussion Deals
g: 0 Posted By: bpvh
Views: 107 Replies: 0 Office Depot rebate software for the week of 03/09/2014 (QuickBooks Online Simple Start free after $90 rebate)


Will update with rebate information ... hopefully by the time this goes live on 03/09.


QuickBooks Online Simple Start
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99
Valid 3/9/14 through 3/15/14
Item #233-786


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

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

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

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

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

NOTES:

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

====================
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Office Depot Coupons
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

Her doctors told her that she needed major surgery to remove the cancer, and that because of her weight and other health issues it would likely take quite a number of months to recover.

Although she explained to her bosses that she was diagnosed with cancer, and that she would need a number of months to recover after surgery, she was then fired from her job. It has now been more than 4 months, and she is still in an assisted care
facility, after being released, getting a major infection, and having to be readmitted to the hospital.

She has gotten a lot of financial help from various friends and family for the surgery, bills and other basic living expenses. She also finally signed up for unemployment, food stamps, etc., so that she can get some help
before getting back on her feet and finding a new job.

Trouble is, she has been told that she can't have more than $100 in her accounts, or she risks losing the benefits. When she gets a check from friends, she has had my Mom running back and forth to the bank, cashing the check, and then depositing small amounts under $100 to my sister's checking account so that she can write multiple, small checks to pay her bills.

My sister does not have Internet or a smartphone which might help simplify matters by allowing her to pay bills herself or something along those lines. She currently has a laptop and internet connection at the hospital, but says she would not use any sort of online system, due to not trusting computers with her personal information. Now my parents are down in Florida for a while, and it looks like my sister expects me to run back and forth to the ATM for her, so that she can continue to try to mail out multiple, small checks to pay her bills.

There has GOT to be a more efficient way to go about this, but the only thing I was able to think of was American Express Travelers Checks. Up until about 6 years ago, we always used them when we went on vacations. I was able to get them for free at our credit union. I was thinking perhaps I could get my sister a bunch of $100, $50 and $25 travelers checks when she wants me to cash a check, which she could then mail out to pay bills, and they wouldn't even show up on her account balances when they do an audit to determine her benefits. Trouble is, our credit union stopped selling them, which means I would probably have to drive to a bank and incur fees & such.

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
Landlord charging me 4 months after vacating his property
Added on : Tuesday March 04th 2014 06:00:19 AM
g: 1 Posted By: Asahi
Views: 241 Replies: 5 I vacated a townhouse in Virginia back in Oct30'13 and Landlord(LL) deducted $500 from cleaning and refunded the remaining security deposit in Dec'13, however in March'14 i received a letter claiming that the house was painted with custom paint and he will pursuit a lawsuit for $1500 to repaint the house, is it legal for LL to charge me 4 months after vacating his property and refunding my deposit? What are my options? I searched the VA tenants handbook and related links and did not find info related to this, appreciate your input in this matter.

Timelines below:
12/2011-10/2013 - Lease start-end.
7/2013 -Townhouse had drywalls repaired for nail pops/cracks(1st year walk through) while we stayed there and the house was not painted post repair.
10/30/2013 - Vacated and handed over the keys with invoice for move-out cleaning performed.
12/26/2013 - Received an itemized letter with $500 deducted for drywall repair and cleaning, refunded the remaining security deposit.
12/28/2013 - Sent a letter and email to LL demanding more details/invoice for cleaning and drywall repair.
1/10/2014 - Check deposited and cashed.
1/13/2014 - LL responds by email stating the house was in unacceptable condition and needed extra cleaning without providing additional details.
1/20/2014 - Replied back to LL stating that house was cleaned during move-out and requested him to provide pictures, also as a good-will offer(LL was very flexible with lease duration and very good to us) i offered to pay him $300 instead of $500.
2/15/2014 - No response from LL, Filed a small claim court requesting invoice/details about deduction, hearing is end of March'14.
3/2/2014 - Received a letter with all the cleaning invoices and a letter stating that i painted the house with custom paint and he will file a lawsuit for $1500 to repaint the house, please notewe did not paint the house and the LL does not remember which paint was used for this house as it was a new construction,
(update)3/4/14 - Received an email with a letter from the builder stating that they use standard paint which does not match the paint used in the house.
Personal Finance Deals
UPDATED 3/4 Free Kindle Books on Gardening & Pest Control
Added on : Tuesday March 04th 2014 02:00:11 AM
g: 13 Posted By: remick
Views: 1048 Replies: 5 Organic Pest Control: The Ultimate Organic Pest Control System to Protect Your House, Garden, and Food (Organic Gardening - How to Guide on Natural Pest Control and Growing Your Own Food)
http://www.amazon.com/Organic-Pest-Control-Ultimate-Gardening-eb...

What if the Pest problem that has been haunting you for years could be eradicated by using natural and organic methods? now you are about learn hundreds of ways to control pests and keep them off your food, out of your garden, and free from you home.



Pest Control for Organic Gardening
http://www.amazon.com/Pest-Control-Organic-Gardening-Natural-ebo...

Pest Control for Organic Gardening is a short book dedicated to gardeners, who want to keep their gardens free from synthetic and often times harmful pesticides, and fertilizers. However, there still is the problem and pests and disease. This book gives practical and sometimes surprising ways to address these problems in a biological method. It contains an extensive list of beneficial insects that can be used to battle harmful pests.


Homegrown Humus: Cover Crops in a No-till Garden
http://www.amazon.com/Homegrown-Humus-No-till-Permaculture-Garde...

Cover crops are a simple, cheap way to boost your soil's organic matter, to fight weeds, to prevent erosion, to attract pollinators, and to keep the ecosystem in balance. Unfortunately, most information on growing cover crops is written for people who plow their soil every year and are willing to spray herbicides. You can get all of the same benefits in a no-till garden, though, if you're clever.



Farming for Ranchers
http://www.amazon.com/Farming-Ranchers-Aaron-Brachfeld-ebook/dp/...

This book covers all subjects related to roots, soil, composting, vermaculture, fertility without fertilizers, plant nutrition, fertilizers, leaves, feedlots, flowers, ecology, IPM, tillage, atmospheric condensation of water, erosion, water purification, hoeing, planting, harvesting, establishing a system of aisles/beds/rows, beneficial weeds, noxious weeds, annual systems, biennial systems, perennial systems, vineyard systems, arboreal systems, haying and pasture systems, specialty crops, commodity crops, stockyarding, land reclamation, converting pasture to farmland, blight, smut, production economics, labor management, marketing, sales, distribution, trucking and all other subjects required to begin or manage a farm...together with a detailed review of the tools required to do so.



New on 3/4

Everything You Need To Know About Vegetable Gardening
http://www.amazon.com/Everything-Need-About-Vegetable-Gardening-...

This book contains everything you need to know about starting your vegetable garden and keeping it healthy. From different designs and vegetable species based on climate to the soil type located in your backyard, this book covers it all. You will learn how to build a proper garden design, plant the correct vegetables and where, even tips on how to can your produce are included.

Growing Basil
http://www.amazon.com/Growing-Basil-Herbs-Craig-Bensemann-ebook/...
Totally Free Deals
g: 2 Posted By: remick
Views: 1068 Replies: 3 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
Free Kindle Books on Gardening & Pest Control
Added on : Monday March 03rd 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 145 Replies: 0 Organic Pest Control: The Ultimate Organic Pest Control System to Protect Your House, Garden, and Food (Organic Gardening - How to Guide on Natural Pest Control and Growing Your Own Food)
http://www.amazon.com/Organic-Pest-Control-Ultimate-Gardening-eb...

What if the Pest problem that has been haunting you for years could be eradicated by using natural and organic methods? now you are about learn hundreds of ways to control pests and keep them off your food, out of your garden, and free from you home.



Pest Control for Organic Gardening
http://www.amazon.com/Pest-Control-Organic-Gardening-Natural-ebo...

Pest Control for Organic Gardening is a short book dedicated to gardeners, who want to keep their gardens free from synthetic and often times harmful pesticides, and fertilizers. However, there still is the problem and pests and disease. This book gives practical and sometimes surprising ways to address these problems in a biological method. It contains an extensive list of beneficial insects that can be used to battle harmful pests.



What Is Killing My Tomato?: Tomato Problems & Their Solutions
http://www.amazon.com/What-Is-Killing-Tomato-Solutions-ebook/dp/...

The tomato is perhaps the most popular homegrown vegetable in the U.S. It can be grown quite easily by beginners and the many varieties keep it exciting for master gardeners. But sadly, there are a lot that can go wrong in a single tomato plant. From the plants roots to the leaves to the fruits, there are diseases and pests that can infect it and turn a perfectly healthy plant into something sickly in a very short time. This short guide enumerates the diseases that can affect the different parts of the tomato plant roots, stems, leaves and fruits and their recommended control. It also lists the common pests that attack tomato plants.



Tomato Container Gardening: Growing Tomatoes In Containers, Planters And Other Small Spaces
http://www.amazon.com/Tomato-Container-Gardening-Containers-Tech...

With the surge in interest in growing your own vegetables for both health and environmental reasons, has come the interest in growing vegetables or fruit in a small space. Not everyone is fortunate enough to have a large garden plot, or indeed able enough to work it if they had.
The fact is though that all kinds of plants can be grown in small spaces or containers, tomatoes being the one highlighted in this work. Home grown tomatoes are a world away from the ones available in the supermarkets today, in both appearance and flavour. The watery bland tomatoes that are often on offer in the store, just cannot compare with the crisp firm juiciness of a fresh tomato plucked straight from the vine.
Do you have the space for a plant pot, and a nice sunny space to put it in? If so, then you too can grow your own tomatoes!



Homegrown Humus: Cover Crops in a No-till Garden
http://www.amazon.com/Homegrown-Humus-No-till-Permaculture-Garde...

Cover crops are a simple, cheap way to boost your soil's organic matter, to fight weeds, to prevent erosion, to attract pollinators, and to keep the ecosystem in balance. Unfortunately, most information on growing cover crops is written for people who plow their soil every year and are willing to spray herbicides. You can get all of the same benefits in a no-till garden, though, if you're clever.



Farming for Ranchers
http://www.amazon.com/Farming-Ranchers-Aaron-Brachfeld-ebook/dp/...

This book covers all subjects related to roots, soil, composting, vermaculture, fertility without fertilizers, plant nutrition, fertilizers, leaves, feedlots, flowers, ecology, IPM, tillage, atmospheric condensation of water, erosion, water purification, hoeing, planting, harvesting, establishing a system of aisles/beds/rows, beneficial weeds, noxious weeds, annual systems, biennial systems, perennial systems, vineyard systems, arboreal systems, haying and pasture systems, specialty crops, commodity crops, stockyarding, land reclamation, converting pasture to farmland, blight, smut, production economics, labor management, marketing, sales, distribution, trucking and all other subjects required to begin or manage a farm...together with a detailed review of the tools required to do so.



Totally Free Deals
g: 13 Posted By: remick
Views: 1436 Replies: 2 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
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Ceton InifniTV6 $229 and Ceton Echo $109 AC Amazon
Added on : Monday March 03rd 2014 03:00:03 AM
g: 0 Posted By: blueiedgod
Views: 114 Replies: 0 Got this e-mail from Ceton

No matter what you're celebrating, for the next two days you can save big on Ceton InfiniTV 6 and Ceton Echo at Amazon.
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Buy a tuner and an extender for $328, basically making the extender $28 with a $150 discount code.
Home Theater & Audio Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 552 Replies: 2 linked
http://www.onestopplus.com/ Classic Fashion Briefs by Kings' CourtWas: $19.99 - $29.99 Now: $9.99 - $14.99Save up to 58%

Item #: 1176-79392-1079Your favorite choice of underwear for their irresistible combed cotton comfort... fashion briefs in six great colors!

roomy, large fit
long inseam for breathing room
heat resistant 1 1/4"" covered elastic waistband
large taped leg openings
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1 pair per package
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machine wash; imported

Classic briefs in sizes XL, 2XL, 3XL, 4XL, 5XL, 6XL, 7XLRead more:These aren't your plain briefs! Try black, blue, or red briefs for something different than the old-style white brief. Roomy fit and elastic waistband show these are specially designed for big and tall guys by the experts here at KingSize. Taped crotch and leg openings also mean they're durable no matter what. Wear them with jeans and a sport shirt.Reasons to Buy:Customers say these are a high-quality pair of briefs. They say they fit better than anything they found at the department store! Check our reviews for more.


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g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/Understanding-Your-Bible-Minutes-Day-ebook...

4.6 out of 5 stars (5 customer reviews)

The Bible can be overwhelming. For those unfamiliar with this huge and ancient book, it's hard to even know where to begin. These short, digestible readings answer questions about where the Bible came from, what it's about, and why it matters. Daryl Aaron blends the knowledge of a college professor with the friendly, welcoming tone of a pastor. Broken into forty small chapters, this book is perfect for those who want quick and clear answers to their questions.
Books Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 210 Replies: 0 linked
http://www.onestopplus.com/ Classic Fashion Briefs by Kings' CourtWas: $19.99 - $29.99 Now: $9.99 - $14.99Save up to 58%

Item #: 1176-79392-1079Your favorite choice of underwear for their irresistible combed cotton comfort... fashion briefs in six great colors!

roomy, large fit
long inseam for breathing room
heat resistant 1 1/4"" covered elastic waistband
large taped leg openings
taped double fabric fly and crotch
1 pair per package
soft, durable cotton fabric
machine wash; imported

Classic briefs in sizes XL, 2XL, 3XL, 4XL, 5XL, 6XL, 7XLRead more:These aren't your plain briefs! Try black, blue, or red briefs for something different than the old-style white brief. Roomy fit and elastic waistband show these are specially designed for big and tall guys by the experts here at KingSize. Taped crotch and leg openings also mean they're durable no matter what. Wear them with jeans and a sport shirt.Reasons to Buy:Customers say these are a high-quality pair of briefs. They say they fit better than anything they found at the department store! Check our reviews for more.


Clothing Deals

One Stop Plus Coupons
Men's Big Sizes ONLY Classic Fashion Briefs by Kings' Court
Added on : Saturday March 01st 2014 07:00:02 PM
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 linked
http://www.onestopplus.com/
Classic Fashion Briefs by Kings' CourtWas: $19.99 - $29.99 Now: $9.99 - $14.99Save up to 58%

Item #: 1176-79392-1079Your favorite choice of underwear for their irresistible combed cotton comfort... fashion briefs in six great colors!

roomy, large fit
long inseam for breathing room
heat resistant 1 1/4"" covered elastic waistband
large taped leg openings
taped double fabric fly and crotch
1 pair per package
soft, durable cotton fabric
machine wash; imported

Classic briefs in sizes XL, 2XL, 3XL, 4XL, 5XL, 6XL, 7XLRead more:These aren't your plain briefs! Try black, blue, or red briefs for something different than the old-style white brief. Roomy fit and elastic waistband show these are specially designed for big and tall guys by the experts here at KingSize. Taped crotch and leg openings also mean they're durable no matter what. Wear them with jeans and a sport shirt.Reasons to Buy:Customers say these are a high-quality pair of briefs. They say they fit better than anything they found at the department store! Check our reviews for more.

g: 1 Posted By: remick
Views: 231 Replies: 0 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
Bank Wire Transfer Missent
Added on : Friday February 28th 2014 02:00:04 PM
g: 0 Posted By: jeffreyosborn
Views: 60 Replies: 2 Hello,

First time user, long time lurker. A friend of mine sent me a wire transfer from his bank, located in the US to my bank, located in the US. All the information on the sheet was correct but one digit was left off the account number so, instead of leading to a 9 digit account number, it led to an 8 digit account number. Mind you the form had my name on it but that's not really the issue right now. Chase has received the funds, and has 'investigators' working on it, but they will not freeze the funds and, apparently, my account number minus the first digit is someone else's account.

Now, the wire transfer teams at banks work with the fed and have gone home for the weekend giving this person access to the money for the entire weekend. I will continue to work on this with the bank on Monday and I know there's little I can do in the meantime but I'm looking for advise, wondering how further I can approach this matter, etc. I will be receiving an 'amendment' number as soon as the fed opens on Monday to further my case but I was essentially informed by the bank they can 'ask' that the other account owner give permission to return the funds but is not legally required to do so, though it may be considered theft. What do you guys think? What should I do at this point? Any recommendations? Any experience with this? Thank you in advance.
Personal Finance Deals
g: 9 Posted By: remick
Views: 1103 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Books & Magazines Deals
Request-Cancun over Easter break not inclusive hotel
Added on : Wednesday February 26th 2014 06:00:09 PM
g: 0 Posted By: iluvminivans
Views: 54 Replies: 0 Mid 40's couple with 16 year old want to go to Cancun over Easter vacation. Looking for recommendations of non all inclusive hotels. Hubby is a picky eater and hates mass buffets. Not big drinkers, so unlimited booze doesn't matter. Looking for family friendly, not spring breakers. Any recent visitors with reccomedations? Thanks!
Hotel Deals
Daria: The Complete Animated Series (DVD) - $14.99 @ Amazon or Best Buy
Added on : Tuesday February 25th 2014 08:00:06 AM
g: 2 Posted By: heyyl0w
Views: 240 Replies: 1 Daria: The Complete Animated Series (DVD) is available for $14.99 from Amazon or Best Buy. Prime eligible at Amazon or free in-store pickup at Best Buy. This 8-disc set includes all seasons and both movies.

Amazon Link

Best Buy Link

The only article that ever mattered on the Internet also regards Daria, and can be found here.
DVD Deals

Amazon Coupons
$19 Credit to the New Republic Wireless Account
Added on : Monday February 24th 2014 06:00:04 PM
g: 0 Posted By: findedeal
Views: 138 Replies: 0 You can get $19 credit on the new republic wireless account no matter which plan (no contract) is picked.
The offer expires on February 28, 2014 at 11:59 p.m. ET.
You can PM me if you are interested in.
Cell Phones Deals
Free Kindle Book - Building A Portrait (On Target Photo Training)
Added on : Monday February 24th 2014 05:00:11 AM
g: 1 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
Totally Free Deals
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Looking for property tax assistance....
Added on : Saturday February 22nd 2014 04:00:09 AM
g: 0 Posted By: ZDog377
Views: 129 Replies: 2 Hello everyone,

I've run into an issue between my mortgage holder and my local tax collector. Quick summary here and longer version below.

Quick version - Mortgage company says they sent $1734 to tax collector for school tax. Taxes are in reality $1434 since I have received Homestead exemption and 2% discount this year (2013). I request difference from tax collector. She responds that mortgage company did not send extra, they had sent the correct amount and the reason I am seeing the issue is that the mortgage company has crossed two names in their system. The tax collector states there is nothing she can do to get the mortgage company to fix their records. I explained to her that if this is not resolved by this coming Monday at 8 AM, I am taking legal action to get this matter resolved. I have emails from her stating that the issue is not on her end but in the system of the mortgage company.

Long version - Back in December when my mortgage company did my yearly escrow analysis, they noted that I was $143 short and that I could either pay up now or I could roll it into the next 12 payments. I sent in the check. A few weeks later, I receive a delinquent tax notice for my school taxes. In getting proof from my mortgage company that the taxes were paid, I noticed that the amounts were about $300 off. I then found out that the tax collector is not doing her job well enough and that just about everyone in my town has received these notices. The town performs an audit and finds checks from four months ago totaling several hundreds of thousands of dollars just sitting un-cashed in her office. I finally reached someone at the borough building and they confirm that yes I am paid in full, but at the $1434 amount not the higher amount. Mortgage company sends me a letter stating that they paid the $1734 amount and have not received any Cash Back.
Finally, I contacted both the business manager at the school district and also the tax administrator at the county level and they both agree that I have overpaid and that I am due a $300 credit on my taxes. They state that I need to recover this money from the tax collector. I first tried calling and received no response. I then tried email and received a response. She states that my mortgage company has my information confused with another person and that I am paid for the correct amount and the mortgage company did not send her a check for too much. She cannot tell me who she talked to at the mortgage company that helped her come to this conclusion. I explain to her that the mortgage company had sent the payment by magnetic tape disbursement (their words) and not by check. She then responds she does not accept anything except checks, I then questioned how she is showing anything on my account then?

I am wondering how I go about getting back the overpayment on my taxes. I have done everything I can on my end to move this process along but she seems to not be cooperating. I have no problems taking this to small claims court, or is this something I should let a lawyer handle?

Please let me know if any more information is needed.

Tax Deals
g: 0 Posted By: bpvh
Views: 63 Replies: 0 Office Depot rebate software for the week of 02/23/2014 (McAfee title $10AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


McAfee AntiVirus Plus
$9.99 After $8 Instant & $42 Mfr. Mail-In Savings Visa Prepaid Card
Item #101-297


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

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

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

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

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

NOTES:

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

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

Office Depot Coupons
Just got $125 from a BoA "CLAIM PMNT" any idea why?
Added on : Thursday February 20th 2014 07:00:08 AM
g: 0 Posted By: renaud
Views: 155 Replies: 5 I just logged into my checking account at a local CU, and there is a deposit of a bit over $125 that is listed as "Bank of America CLAIM PMNT." I have no idea what this is from. I don't recall entering any class action suits against BoA, and I have never had a mortgage with them. I do have a checking account and CC with them if that matters. Any ideas?
General Economics Deals
g: 1 Posted By: remick
Views: 98 Replies: 1 http://www.amazon.com/Shopping-Addiction-Cure-compulsive-spendin...

Youre about to discover if your spending habits are just a little out of control or if you have a spending addiction. Millions of people struggle with overspending and mismanagement of their income. If you are finding yourself in this situation, then perhaps you may have a shopping addiction. Being a shopaholic is no laughing matter, if disregarded, this could potentially ruin your future and your family's future. Most shopaholics use the excuse as they are trying to do their part to ensure a productive economy, but the truth is, your economic future is in jeopardy if your destructive habits have you deeply in debt. If you hide any purchases from your partner or friends - then this book is for you. This book will help you understand the meaning of addiction and what steps you can take to control your spending. You will get some basic steps to guide you through methods to control your addiction, information about addiction, strategies to stay on track while shopping and where to go for help and support.
Totally Free Deals
Need advice on current debt situation!!
Added on : Wednesday February 19th 2014 10:00:13 PM
g: 0 Posted By: dlight1
Views: 50 Replies: 2 These type's of threads always get loaded with RED towards the OP, however I'm asking the community here on any advice to help the situation.

Debts
Home Equity Loan: $34,200 @ 5.25%
Student Loan: $5,100 @ ($4,500 @ 3.4% and $600 @ 4.5% consolidated)
Chase Credit Card: $0 @ 17.99%

Assets
Net Annual Pay: $22,000
Bank accounts: $3,072
401k: $22,000

Basically in a nutshell, the Home Equity is $224/mo for the next 19 years and the Student Loan started as 12,000, but is now just sitting in forbearance for the past year and a half. Forbearance is due to expire in October, but chances are I'll ask for an extension. The student loan offers auto-pay which reduces the interest by 0.25%, but obviously carries a $53/mo bill to stay on track, or $33/mo if extended to a 15yr term (10 original term). The Chase card has a low credit line of just over $2,000, but its sole purpose is to be used to earn 1% CashBack paying monthly bills (yeah trying every avenue to help... net CashBack is roughly $240/year), such as electric, water, and sewer bills. Based on the past 2yrs of bills, etc... In around August or early September, we no longer will be able to make payments on the monthly expenses.

Basically, I just would like to know of any other sources/ideas to eliminate this debt or at least stay steady and make it by on current income.

The next possibility to help things would be to lower health and dental plans. Currently paying around $3,276 annually from employer. Tapping into the 401k seems tempting, but would like to stay away from that option as well (unless it would actually help matters). As of right now, the only chance of hope is to get a raise in July, otherwise somethings got to give somewhere.
Question Deals
Wife getting Laid Off Tomorrow
Added on : Tuesday February 18th 2014 02:00:08 PM
g: 0 Posted By: trekwars2000
Views: 320 Replies: 7 She has been with her non-profit company 4.5 years and has gotten max raises with top marks each review and one promotion over the time period. She does have one write-up/coaching over the time period. She is currently in the company leadership program with a few others that the company was trying to develop into better leaders. Also, her company nominated her for a localRising Stars of Business and she was selected with a few others from the local area.On the drive home this afternoon my wife informs me that her work is eliminating her position and creating two new ones because they don't think only one people can do her job. They are not planning to transition her with the job change. The CFO and HR rep are having a meeting with her tomorrow morning to discuss "exit options". Needless to say this comes a bit out to left field not just to myself but to my wife as well.

My questions are to ensure that everything is done to protect her ability to get unemployment benefits while she transitions to a new job, to maximize her exit benefits and to ensure there was not a wrongful termination. With the fact that there are "exit options" on the table (I assume this is severance), I would think it should be a easy case for the NV DETR to approve an UI claim. Do you guys agree?

I know my company's severance policy is one week per year of service. Is this pretty standard in the profession environment? Should we expect the same for my wife; or more/less? Is this a negotiating point to begin with? Can she asks for severance without medical benefits (she can get them through my work)? I assumed she would just ask for the difference in monthly COBRA rate? Is there any key things she should or should not say tomorrow? We are debating having a lawyer in with her but I'm not sure we know anyone in the correct type of law field to quick turn an 8 am meeting tomorrow.

We are not implying wrong doing, but this is quite perplexing. Why is her work constantly rating her as a top performer, nominating my wife for local publication awards and putting her in a leadership class if they plan to make a "position change"? If it matters, her boss and others at work do know that we are actively trying to have a second baby. Again, I don't want to play a card that may or may not be there but my wife's old coworker was transitioned out of the job a few weeks after discovering she was pregnant with her 2nd.

Is there anything else we should know? Thanks
Question Deals
g: 0 Posted By: NantucketSunrise
Views: 222 Replies: 8 Fortunately, my teeth are in really good condition. Most dentists I have gone to in the last few decades have told me I just need onecheckup/cleaning a year, although of coursesome of them have saidthat having a 6-month checkupis always recommended.

My previous dentist retired, so last February I went to a new dentist.

I went to one of those perhaps-franchised kind of clinicsthat seem to employ various dentists who, for whatever reason, don't have their own stand-alone, long-term kind of private practice.

I went to that clinic because 1) they had a special "coupon" offerfor new patients (everything for about $70) and 2) my teeth don't have any big issues, so I knew the dentist's assessment of myteethwould be perfunctory no matter who the dentist was, and generally I just wanted to havea cleaning done by a hygienist.

The clinic required a full set of x-rays to be taken at the start of my appointment, and I was okay with that, because it had been about 3 years since I'd hada full set done, and I understand that when you go to a new practice, they like to do a full imaging.

The dentist's assessment of me was very quick - a couple of minutes - no problems, "just keep doing what you are doing". I received an adequate cleaning from the hygienist (not the best I've ever had, but I wasn't paying a whole lot for the appointment, so I had no complaints).

Now, 12 months on, I called the same clinicto book my next appointment. The full exam price applies this time,of course, and that's fine with me -- I think it's $150 or something for a cleaning by the hygienist and a look-over by the dentist.

The receptionist told me that the dentist I saw there last year has moved on to another city where he's opened up his own private practice. I asked her if my records went with him to his new practice, or if my records remain at this clinic. She said, "Oh, your records have remainedwith us -you are considereda patient of our clinic."

I asked her how much another cleaning by the hygienist & fly-by viewing by the dentist would be, and she said it would be about $150, "...and, also,naturally, our new dentist will require you to have another full set of x-rays taken because you have never been her patient before, and there would bean extra charge for those."

I replied, "But I just had a full set of x-rays taken by your clinic last year, and my teeth are in good health. You just told me that your office has all my records from my appointment there last year. Also -- I thought the full set of dental x-rays on healthy patientswas only taken about once every 5 years?"

She said, "No, you would need to have the full set repeated, because of course you would be going to a new dentist since Dr. X has left us,andnew dentistslike to start out with a full set of x-rays for theirnew patients."

Does this make sense?It doesn't seem so to me.

The typical guideline for just bite-wing (not the full mouth) x-rays foradults with no decay is only once every 2-3 years: http://my.clevelandclinic.org/services/x-rays/hic_Dental_X-rays.aspx.

Therefore, I wouldn't really want that clinic even to do bite-wings on me, since I just had a huge amount of imaging done by them last year.

I toldthe receptionist thatI'd have to think about it, and that I'd call back if I wanted to set up an appointment.

Obviously, they are trying to make money. But the ADA warns againstdoing excessive x-rays on patients. Do you think that the receptionist wassimplywrong in her information,and maybe I should call back and ask to speak to the hygienistwho cleaned my teeth last year (the receptionist said thatthis hygienistis still on staff there) to ascertain if they really would require me to do a full set of x-rays again?

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
Personal Finance Deals
g: 0 Posted By: HRJ77
Views: 0 Replies: 0 Hot Deal for those that want to stock up on on freeze dried food products. Honeyville. They have freeze dried Meat, Fruit, Vegetables, & Dairy just to name a few. Great for camping, emergencies, homemade cereals,snacks, trail-mix, etc.....the list goes on and on.

You have to purchase case quantities of #10 cans. Here's the deal......Special Offer - Buy One Case, Get One 50% Off* Offer Ends 2/21/2014 Coupon Code: STOCKUP

Shipping is only $4.99 no matter how large or small your order.

Enjoy!
14' Cat5e for $0.97 + Shipping @ tigerdirect
Added on : Sunday February 16th 2014 03:00:03 AM
g: 1 Posted By: bru20
Views: 221 Replies: 1 $0.97 14' Cat5e in Grey, Whiteand Yellow

Many other sizes and types on sale too.

$1.97 14' Cat6
$1.97 25' Cat6
$2.97 50' Cat5e, Blue, Gray
$4.97 100' Cat5e Yellow, Red, Green

Shipping is not free. Should be $4 nomatter how many you buy. Also may be Shoprunner eligible.

Separate thread for 25' Cat5e http://www.fullofdeals.com/forums/hot-deals/1342928/




Networking Deals

Tiger Direct Coupons
Risk vs. Return
Added on : Thursday February 13th 2014 05:00:17 AM
g: 0 Posted By: DiegoB
Views: 188 Replies: 1 So as you know guys in valuing the intrinsic value of an asset to a diversified individual investor, one element used in the CAPM model, is the stock's beta and the market's risk premium, which together capture the risk of a certain asset. And risk in finance is described as the standard deviation between actual vs. expected return, or in other words, how much a certain stock's return deviates from its expected return (the more it deviates the more risky an asset is perceived to be).

But isn't this illogical? why would stock A, which deviates more than stock B (both having the same expected return) be priced in such a way as to generate higher returns?

To put you in the same state of mind as me, think of the following:

Suppose that I am about to sell two different tickets, one that entitles its bearer to earn 1$ every time I toss a coin for 10 consecutive tosses no matter the outcome (whether heads or tails), and the other 2$ every time the outcome is heads but nothing for tails. And so I put these two tickets in the open market so that investors can bid on them.

In finance, the latter is a more risky investment and thus current finance theory suggests that the market would price it at a lower price point than the former, being Risk free. But if this was the case, then everyone would rush to buy the latter ticket, after all, why would the ticket with a certain payoff be priced more expensively than that of an uncertain one if they both have the same expected return? (especially to a diversified investor)

Notice that both have an expected return of 10$, and so my theory says that eventually, they will be both priced in the market at the same price point (a little less than 10$ per ticket).

This is all to suggest that risk in finance should be measured in a different way, what do you guys think?
Investing Deals
Car accident, rejection 1, small claims win, rejection 2, ....???
Added on : Wednesday February 12th 2014 01:00:08 PM
g: 0 Posted By: Marlin1975
Views: 229 Replies: 3 ~~Ok thought this was going to take time but not be this mess so here Iam asking for outside opinions on something that happened in 2012.

In late 2012 lets say Bob was driving a 4 door car and sideswiped my car. The car belonged to Bob's girlfriend but he had permission to drive it. He said he was not at fault and tried to fight it. It was obvious he was at fault due to road layout and signs. His insurance company Penn National said they could not decide who was at fault, again it was very obvious.

I filed a complaint with the State Insurance Review. I knew it was a long shot but they said they can't help on deciding fault. So between what they said and Penn Nationals adjuster I sued Bob since he was the driver.

Went to small claims and I had the estimate, insurance rejection letter, and pictures of the road/signs/cars. The judge was very swift in deciding Bob was at fault, again its that obvious. He looked at the estimate and pictures and felt it did not sound obscene or out of line. He found for me for roughly $1600 plus court cost.

Bob said he would send me money himself and I gave him a copy of the official court record showing he was at fault to give to the insurance company. Bob sent $200 which covered the court cost. I never heard from him or the insurance company, this was late 2013 by now. So I gave time for holidays but they came and went with no one sending the payment for repairs.

I then send an e-mail to Penn National to the original adjuster and the general inbox. I gave them a month (over 30days). I do not hear back. I forward the original message back to them again saying this is well past due this time. I receive a message from a 2nd adjuster today. He now gives a 2nd reason for rejecting the claim. He states that their position is that their insured does not have coverage for this matter. I wrote back asking how that was since that never came up and this is a completely different rejection from the first.

That is where I am at now, just received their replay and sent my replay today.

Just in case anyone is wondering Bob is dirt poor. Bob's girlfriend may have some money but I sued him since he was the driver. Bob did have permission to drive the car as I spoke with her as she was trying to make a claim with my insurance, as you can guess they said no.I'm thinking my next course of action is file another clam with the State Insurance board since I now have a valid claim per the courts action. I don't have a copy of the insurance policy of the other driver so not sure if I can get that easily.

So what would you do next that I may be missing?


https://www.creditkarma.com/reviews/auto-insurance/single/id/pen...


Personal Finance Deals
Potential 401k Contribution Limit Loophole?
Added on : Wednesday February 12th 2014 04:00:21 AM
g: 0 Posted By: Dus10
Views: 136 Replies: 2 So, from my understanding of the contribution limits, I always thought that limit was your limit for the year, end of story. There are the differences between what you can contribute and what your employer can contribute, but those are different matters. Related to that however, I was perusing the IRS website to get some more specific information because I am going to be leaving my current job in a couple of months and going to a new job. I wanted to figure out where I needed to be percentage-wise with each job to get to my limit, but not exceed it.

So I reviewed this page:Retirement Topics - 401(k) and Profit-Sharing Plan Contribution Limits

What I found there seemed rather interesting and I wanted to get others' take on it, specifically:

"Overall limit on contributionsTotal annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited. The limit applies to the total of:

elective deferrals

employer matching contributions

employer nonelective contributions

allocations of forfeitures

The annual additions paid to aparticipantsaccount cannot exceed the lesser of:

100% of the participant's compensation or

$51,000($56,500 including catch-up contributions) for 2013 ($52,000, or $57,500 including catch-up contributions for 2014)"


So, what is this business about related and unrelated employers? It seems to me that they are attempting to keep folks from creating multiple companies that are under a single umbrella of sorts to game the system. But what would they be gaming? Perhaps limits based on a per-employer setup? Is this suggesting that one could have two completely separated employers and have separate limits for each? I always thought that was a per-taxpayer annual limit. Did I, or perhaps others, miss something?
General Economics Deals
g: 1 Posted By: remick
Views: 187 Replies: 0 http://www.amazon.com/dp/B009FMI3JO

4.7 out of 5 stars (152 customer reviews)

Revised and expanded!

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:
Totally Free Deals
10 Pack: Women's 100% Cotton Tank Tops for $24 + free shipping
Added on : Monday February 10th 2014 07:00:03 AM
g: 0 Posted By: Deals4mykids
Views: 161 Replies: 0 0 Pack: Women's 100% Cotton Tank Tops for $24 + free shipping

Price drops from $34.99 to $23.99 with code BRAD31.

These tanks are 100% cotton, double-stitched roomy neck and arm openings, ribbed and they come in assorted colors and up to 3 sizes while supplies last.

There is no sales tax (except IL).
Confirm that the discount has been applied prior to purchase.

All women know that a cotton tank of differing colors and styles is something you can never have enough of. Regardless of the season and temperature, tank tops are wearable everyday! It doesnt matter if youre layering these tanks under blouses, sweaters, and jackets during winter or wearing them separately to show off your summer tan. A ten pack of tank tops is just the thing your wardrobe needs, so stock up now!

100% cotton--comfortable and durable
Pre-shrunk cotton
Double-stitched roomy neck and arm openings
Ribbed
Comes in assorted colors
Comes in five sizes

http://www.overhalfsale.com/events/10-Pack-Womens-100-Percent-Co...
Clothing Deals
Free stickers - "Trickle Down Doesn't" and others
Added on : Sunday February 09th 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 28 Replies: 0 http://act.boldprogressives.org/survey/freesticker2014_v2?

I'm from the Elizabeth Warren Wing of the Democratic Party
Trickle Down Doesn't
Patriot Act: Repeal It
If the 99% Vote, the 1% Won't Matter
Home, Auto & Pets Deals
Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)
Added on : Thursday February 06th 2014 06:00:03 PM
g: 0 Posted By: bpvh
Views: 23 Replies: 0 Office Depot rebate software for the week of 02/09/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 02/09.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Total Protection For 3 PCs
$14.99 After $10 Instant & $55 Mail-In Savings Visa Prepaid Card
In Store Price $69.99
Item #106-319


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

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

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

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

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

NOTES:

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

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

Office Depot Coupons
g: 0 Posted By: awishon
Views: 255 Replies: 1 We just finished up our contract at AT&T and havebeen shopping around for phones. I just got back from Best Buy where I was able to get them to price match Amazon.com for a black and white version of the Galaxy Note 3 for $199.99 eachas well as apply the $50 gift card promotion theycurrently have for cell phone upgrades. We did have to extend our contract for an additional two years. Hope this helps someone. Thanks. Aaron.

Best Buy $50 gift card reservation (do this before leaving the house) that can be applied instantlyto your phone purchasehttps://www-ssl.bestbuy.com/site/olspage.jsp?id=pcat17413&type=page&promoCode=RESERVE3 Note: You have to sign-up for each line that you will be upgrading.

Amazon.com AT&T Galaxy Note 3 Black for $199.99 http://www.amazon.com/Samsung-Galaxy-Note-Black-AT/dp/B00F2SDM00/ref=sr_1_10?ie=UTF8&qid=1391721713&sr=8-10&keywords=galaxy+note+3

Amazon.com AT&T Galaxy Note 3 White for $199.99 http://www.amazon.com/Samsung-Galaxy-Note-White-AT/dp/B00F2SBJFK/ref=sr_1_3?ie=UTF8&qid=1391722040&sr=8-3&keywords=galaxy+note+3+white

Best Buy Price Match Policy (bottom of page) http://www.bestbuy.com/site/Global/Low-Price-Guarantee/pcmcat290300050002.c?id=pcmcat290300050002). Note: In theory they could deny price matching more than one phone (of the same color) but this didn't matter to me since I took a printout of Amazon pricing for both black and white versions. I overheard the manager say that they will only match the price of "sold by Amazon" merchandise and after looking at my printouts he approved it.
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g: 0 Posted By: iLetTheDogsOut
Views: 117 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16823126299

was popular around the web last time. i dig cherry keyboards as they have the best "feel" if that matters to you. they are also built like tanks as far as the buttons and switches are concerned.
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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Truest-Thing-about-You-Identity-ebook/dp/B...

4.8 out of 5 stars (18 customer reviews)

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These truths can identify you, your successes and failures, your expectations and disappointments, your secret dreams and hidden shames. But what if your true identity isn't found in any of these smaller truths, but in the grand truth of who God says you are? In other words, lots of things are true about youbut are they the truest?

David Lomas invites you to discover and live out the truth of who God created you to be: you are loved, you are accepted, and you are made in God's image. It's time to move beyond the lesser voices and discover why everything changes when you become who you really are.
Men's Designer Leather & Shearling Jackets from $80 at bluefly.com
Added on : Tuesday February 04th 2014 03:00:08 PM
g: 1 Posted By: DaysFan
Views: 218 Replies: 0 http://www.bluefly.com
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Calvin Klein black faux lamb bomber jacket $195.00 $80.49Calvin Klein cognac faux shearling faux leather zip front jacket $295.00 $125.30SLATE & STONE navy blue snap button faux shearling lining jacket $345.00 $137.89Kenneth Cole New York black mixed media zip front jacket $225.00 $125.10Marc New York driftwood 'Vandam' vintage calf leather jacket $750.00 $199.00Cole Haan black lambskin zip front three-quarter jacket $795.00 $333.89Kenneth Cole New York black leather zipper front bomber jacket $695.00 $263.69

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Free Kindle Book - Critical Pursuit by Janice Cantore (was $13.99)
Added on : Tuesday February 04th 2014 08:00:15 AM
g: 1 Posted By: remick
Views: 269 Replies: 0 http://www.amazon.com/Critical-Pursuit-Janice-Cantore-ebook/dp/B...

4.5 out of 5 stars (58 customer reviews)

Officer Brinna Caruso has built a reputation at the precinct as the cop to call when a child goes missing. For Brinna, its personal because she was once one of them. Brinna and her K-9 search and rescue dog, Hero, will stop at nothing to find a missing child, no matter the stakes.
Detective Jack OReilly isnt ready to return to his homicide duties, after losing his wife to a drunk driver. Hes on the downside of his career, and bent on revenge, when hes assigned as Brinnas partner. While on patrol, Jack struggles between his quest for personal justice and his responsibility to those around him, especially his partner.
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eBags TLS Workstation Laptop Backpack $99.99 free shipping at eBags
Added on : Monday February 03rd 2014 11:00:04 PM
g: 0 Posted By: ArtieLange
Views: 142 Replies: 0 eBags TLS Workstation Laptop Backpack $99.99 free shipping at eBags

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g: 3 Posted By: sylwiawasowicz
Views: 512 Replies: 3 Test-drive any new Kia by March 31, 2014, and receive a $25 Kia Visa Prepaid Card

https://www.kiatestdriveoffer.com/

Test-drive any new Kia by March 31, 2014, and receive a $25 Kia Visa Prepaid Card_ while supplies last. Simply enter your information below, then select Print Now to receive a certificate to submit to your Kia Salesperson. You may also select Mobile Email or Text Me for a virtual certificate that can be completed with the dealer personnel directly on your mobile device.

TERMS AND CONDITIONS: Test-drive offer is valid from January 31, 2014, to March 31, 2014. To be eligible, test-driver must be 18 years of age or older with a valid driver's license. This offer is non-negotiable and non-transferable. One $25 Kia Visa Prepaid Card per household. 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 4/15/2014. 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 limited to first 10,000 completed certificates received, valid while supplies last. Kia is not responsible for mistakes or typographical errors. Kia is not responsible for lost or misdelivered mail. Kia's liability is limited to the value of the Visa prepaid card. Your Visa prepaid card is issued by MetaBankTM pursuant to a license from Visa U.S.A. Inc. For comments or questions, please call 1-877-883-4913.

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1099c from short sale, how to mitigate tax liability?
Added on : Saturday February 01st 2014 11:00:04 AM
g: 0 Posted By: Ma171aC
Views: 165 Replies: 3 In a situation much like everyone else with Florida property who was laid off during the crash. Purchased condo with intent on staying for many years, laid off and relocated for work (i was very lucky and happy with the offer) back in December 2008. Already under water, i rented the property and took my $800 hit each month. Eventually couldn't keep up and went through a 2 year short sale process. Bank wrote off 67k, i agreed to 15k promisory note at 0% interest. I understand the debt relief act that was extended through last year, but its only for primary residence..

My question i suppose is that my hardship caused all this to begin with and i made an attempt to keep up with my end of the deal. I was not insolvent at the time of sale either so that's off the table. Anyway i can take advantage of the debt relief act or are there other ways i can reduce the tax impact i'm about to receive? I do have a tax guy who will be receiving all my docs for last year, but i thought i would ask the great fatwallet community and see if anyone has experienced something similar.

To get this out of the way, i have every intention of paying my bills if thats what it comes to (although not at once, thats a mighty large tax bill). How did the "walking away" guy end up dealing with it, or did he have to? I THINK i can request removal of all late fees and other charges on the total amount that was owed to reduce the 67k number can't I, making it just what they lost on the house and not their fees?

Timeline in case it matters;

Purchased Townhouse 3/2007
Laid off 12/2008
Relocated for work (TX) 2/2009
Purchased house in TX 4/2011
Stopped paying mortgage 7/2011
Started short sale process 9/2011
Property sold 7/2013 for 141k
Total OWED 223k
Paying back 15k @ 0% to bank
they wrote off 67k which i got a 1099c for

With the deficiency "income" i'll be looking at around 180k of total income last year so that's the tax bracket.

Tax Deals
g: 0 Posted By: orelsie
Views: 93 Replies: 0 I have a checking account with USBank and they were offering a good loan rate for a used car (1.9% APR). When I went in to sign the closing documents, it said "If you prepay the loan you (may/will not) have to pay a penalty." The box next to "may" was checked. On the front page of the loan note, it had a section about early loan closure. The box next to that section was not checked and the line specifying the early closure fee was blank.

When I asked about the prepayment penalty, I was given the runaround:

The bank employees told me since the box on page 1 wasn't checked and the lines weren't filled in, there was no prepayment penalty. I pointed out that was inconsistent with "may" being checked, and I was unwilling to sign a loan giving them a blank check for an undisclosed fee. They said they couldn't change the loan document, and I left, planning to call the branch manager the next day.
That evening, I called the loan department of USBank. The employee there told me company policy says there is always a prepayment penalty, ranging from $50-1% of the loan. He advised talking with the branch manager the next day.
The next day, I talked to the branch manager. At first, she agreed with her employees from the night before, saying that blank lines on page 1 meant there was no prepayment penalty. I told her I wanted it in writing. She called back 20 minutes later after talking to the underwriting department. They told her there is a glitch in the software that generates loan documents and the early closure fee was not being printed as it should be. They are aware of the issue but are only informing bank employees/branch managers on a need-to-know basis. They also said that everyone who signed a loan before the glitch was fixed would receive an addendum in the mail informing them of the prepayment penalty! I told her it was a completely unethical business practice, and if they could change that fee, what was stopping them from changing my APR or any other loan amount. She said she would talk to her manager and get back to me, but she also said she would not let anyone else sign a loan at her branch until this matter was corrected.

USBank is knowingly letting people sign loan documents that do not accurately represent the loan terms. They are not making a good faith effort to inform their employees about the issue so customers can be informed of the actual loan terms, and they intend to retroactively apply changes to the loan documents. Although this is dishonest and unethical, there is a section in the terms that says they have a right to correct "errors and omissions" in the document, so it's probably not technically illegal. Buyer beware.

I've attached some pictures. Sorry for the scribbling, I was trying to explain to the bank employees what I wanted them to change.
Personal Finance Deals
g: 0 Posted By: maca
Views: 36 Replies: 0 Hi Everyone,

I'm currently in a dilemma and I just want to see what others thought out there. I had a case of bad timing where I had verbally accepted an offer from a company thinking that my top choice didn't want me due to them not getting back to me in a short timeframe. As it turns out they were still interested and so I continued to talk to them and emphasized to them that I had already accepted a competing offer and that if they really want me, they need to make their decision quick before I join the first company. (I did not tell the first company since I had already given notice to my current job at the time and I can't afford to be without a job if the 2nd company ends up not extending an offer.) Unfortunately, the 2nd company wasn't able to move faster enough in their decision and am now just starting to put together an offer after I have already worked 2 weeks. Now, I'm not sure what to do. The 2nd company was my top choice and if I had gotten the offer at the same time, I would definitely take the 2nd one. I'm worried about what this might do to my reputation if I were to just leave in such a short period of time especially since I'm in management and so a lot of things are about trust. This is in the technology sector, if that matters. Company #1 is large, stable, and well-known in it's industry. Company #2 is gigantic and has a reputation all over the world.
g: 0 Posted By: ArtieLange
Views: 116 Replies: 0 Four Piece 2 1/4" Herb, Spice, Tobacco, etc Grinder (Lifetime Warranty, Bulk Packaging) $5.90 shipped at Amazon

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Save The Internet Sticker- Net Neutrality Matters! FreePress.net
Added on : Thursday January 30th 2014 03:00:12 PM
g: 0 Posted By: FrugalFreak
Views: 99 Replies: 0 "Show Your With This Free Sticker!, Everything we know and love about the Internet is at risk thanks to the recent court decision that gutted the Net Neutrality rules. But the Federal Communications Commission could take immediate action to change all this and protect the Internet once and for all.Free Press is offering this lovely free sticker to anyone who wants to join this fight. Just fill out the form to the right and then let your friends know you support Net Neutrality by sharing this on Facebook,Twitterand wherever else you spend your time.We know that nothing will happen unless we make waves, make noise and pressure policymakers to do the right thing.Lets plaster the nation with these stickers and show our love for the Internet."

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amazon.com $19.95 LifeStraw Personal Water Filter
Added on : Thursday January 30th 2014 08:00:03 AM
g: 0 Posted By: DaysFan
Views: 2 Replies: 0 linked

LifeStraw Personal Water Filter
List Price: $25.00 Price: $19.95& FREE Shipping on orders over $35. Details You Save: $5.05 (20%)


Product Dimensions: 1 x 1 x 9 inches ; 2.1 ounces

Shipping Weight: 2.4 ounces (View shipping rates and policies)
Shipping: This item is also available for shipping to select countries outside the U.S.
Origin: Imported (Korea, Republic of)
http://www.amazon.com
ASIN: B006QF3TW4
Item model number: 527950



In Stock. Ships from and sold by Amazon.com. Gift-wrap available.Want it tomorrow, Jan. 31? Order within 11 hrs 29 mins and choose One-Day Shipping at checkout

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LifeStraw is a personal water filter that ensures no matter where you go, you will have instant access to safe drinking water Perfect for hunting, hiking, and fishing!You can drink directly from lakes, rivers, or your water bottle. Simply put the lower part of the straw in the water, and sip through the other end. After drinking, blow back into it to clear the filter.Email us at Deals@JHLSupply.com for quantity discounts!LifeStraw filters over 264 gallons (1,000 liters) to 0.2 microns, which removes dangerous bacteria and protozoa. The removal rate exceeds EPA standards for water filtration.The technology behind this portable water filtration system has been featured on CNN, Fast Company, BBC, Time, and the New York Times. LifeStraw is also Time Magazine invention of the year, 2005, Saatchi & Saatchi Award for World Changing Ideas, 2008, Well-Tech 2006 Innovation Technology Award, "Gadgets for Disaster Zones" BBC May, 2011.LifeStraw Review Features & Benefits Filters 264 gallons (1,000 liters) to 0.2 microns Removes 99.99999% of waterborne bacteria (>LOG 7 reduction) Removes 99.9% of waterborne protozoan parasites (>LOG 3 reduction) Portable water filtration; very lightweight 2 oz (57grams) Easy to use, contains no chemicals, and has no moving parts. Used in the harshest conditions in developing countries since 2005. 1 year manufacturer's warrantyLifeStraw removes bacteria, including: Escherichia coli, Campylobacter, Vibrio cholerae, Pseudomonas aeruginosa, Shigella SalmonellaLifeStraw removes protozoa, including: Giardia lamblia ("Beaver Fever"), Cryptosporidium Parvum, Entamoeba histolytica.The LifeStraw does not filter heavy metals or viruses, and will not desalinate water.Specifications:Length: 8.75 inchesWidth: 1 inchWeight: 2 ouncesConstruction: durable plastic. Does not require replacement parts or batteries, or any chemicals.Included: Comes with a lanyard, and a cap for the mouth piece and end piece
Best place/deal for startup website setup?
Added on : Wednesday January 29th 2014 05:00:09 PM
g: 0 Posted By: nic3456
Views: 46 Replies: 2 My wife is starting an online site selling some of her sewing stuff. I'm looking for some help on the best place to create a custom web address ( for example marysclothing.com and not marysclothing.blogspot.com,etc) Want easy to use interface (even if that gives up some bells and whistles), but would like to option to be able to move the web address to another provider down the road if desired. I had looked at Wordpress - any reviews on that? Also not that it matters but we would add paypal and/or Amazon payments on the site for payment.

This is out of my realm of expertise - just looking for some ideas from the community for easy to use and relatively inexpensive places to get started. Thanks!
Personal Finance Deals
g: 0 Posted By: Bagofchips
Views: 118 Replies: 2 Much of this needs to be handled by a tax advisor / tax attorney, and maybe there's really not much to be done here, but thought I'd share w/ you a situation I'm being asked to opine on with a family member (FM).

Apparently in Jun, 2011 the private company FM works for granted a material extension to the expiration date of FM's incentive stock options. The private company (then and now) at the time was still enough of a start-up that tax consequences of doing this were overlooked; they had good intentions. The options would have been worth money at the time of extension (from the companys perspective on valuation and subsequent financing @ higher valuations per share). Im guessing this expiration date extension will trigger a Section 409A taxable event. Not that numbers matter here, but its something like 300K options @ $2.00 / share when value in 2011 then was (call it) $5; they have NOT been exercised.

FM did not sign (or protest) the extension, and my understanding is that may not matter. The original expiration was in 2012 so it's not like the extension wasn't appreciated at the time.

There's probably a bunch of stuff I haven't thought of, but one thing I'm wondering about is the taxable income just thevalue of the extension or is there some de facto consideration that the options have been exercised and so income is "only" the spread between exercise and then valuation price. Note that Section 409A has a 20% penalty tacked on, too.

I'm wondering just how much FM should tell company they must make FM completely whole here.


Personal Finance Deals
Only working half the year then MBA... how to take advantage? Roth, etc.
Added on : Wednesday January 29th 2014 06:00:15 AM
g: 0 Posted By: dave6237
Views: 0 Replies: 0 I will be enrolling in a 2-year full-time MBA program starting this fall, and since I am taking some time off from work beforehand, I am only going to have about 25/30k of income in 2014. It is an extremely highly ranked program, so I believe this is a good investment (plus, my family is very generously paying for it).

How can I best take advantage of this taxwise (or other ways)? My plan right now is to convert my 401k into a Roth IRA. My 401k is currently traditional, but I have the option to switch to a Roth 401k going forward if I want. 401k balance is 22k (contributing 175 every 2 weeks). Other assets are 17k in a Capital One 360 savings account (adding 200 every 2 weeks) and 1k in my checking.

Also, if it matters, my income in 2015 will be roughly the same. I estimate 2016 income will be roughly 50k before going into low 6 figures 2017 and forward, but obviously that is way into the future.

Basically, my questions are:
1. Should I convert the entire 401k to a Roth IRA in 2014, or split it across 2014 and 2015? When in the year(s) should I convert?
2. Should I open a Roth IRA and contribute $5,500 before doing the conversion, do it after the conversion, or does it not matter?
3. Should I begin making Roth 401k contributions for the next 4 months, or does it not matter?
4. Can you think of any other ways I can take advantage of having income over the next 2 years that will hopefully be well below my lifetime average?

Thanks!
g: 2 Posted By: jaytrader
Views: 234 Replies: 14 I'll be the first to admit that this is not directly related to finance, but rather indirectly. I just got hit by a potentially huge issue last night, after connecting some dots.

See facts below.

Fiancee's father opened LLC in her name in 2004 (she was/is the sole member) because the father is in a union and cannot have his own company (to bill out side jobs) doing the same line of work he performs in his union.
Fiancee and I are getting married toward the end of this year (2014). Fiancee's father recently contacted her to help him write up an invoice for a decently high valueside job.
I dug a bit deeper and realized no income has ever been reported on behalf of the LLC, nor has any of her tax returns shown business income. It is unknown if he's ever utilized the company for billing purposes before recently.
Her father claims he "gets a W2 from [his] clients and puts it on [his] tax return." Anyone with half a brain knows this is impossible (he's not a member of the LLC), not economical for the client(s) (1099 vs W2), and would prove that he's doing side work to his union if he were ever "audited" by the union.
I looked online last night, and the state government site says the LLC is "ACTIVE" and she is listed as the DOS Process contactand Registered Agent.
In my opinion, the fact that there is now an invoice with the LLC name on it shows that there was work done by the company and poses an insurance liability.
Based on what I know about her father, the company has no insurance at all.


I know damn well that I'm not paying taxes on revenue that I didn't see/create. Not to mention, there is possible tax evasion/fraud that has happened in the past (whether intentional or not, doesn't matter). Also, there is now a potentially huge risk/liability, should any of the work her father (or his laborers) performed become faulty or fail and cause injury or death.


Questions

What do I do? I want to protect myself (meaning, want her off the company before we're married) as well as her ASAP.
Is thererisk regarding the work failing and causing injury or death, or am I incorrect? If so, who's at risk? The company or her father directly?
Is there past tax evasion/fraud risk? She had no knowledge about his use of the company up until the last week. She knew she was once on the company, but was told last year that her father "thinks she's no longer involved."
Am I paranoid? I know people do this type of thing often, but involving your kids for ten years and then billing on behalf of the child's company (legally/technically) is shady (IMO, of course).


I am prepared to dissolve the LLC and let her father be butt hurt over it, if I have to. The alternative is to push off the wedding until this is resolved. I told my fiancee that I'm not going to willingly marry her when she's part of this. I know she would never do something like this intentionally, and she told me that she didn't know any better when she signed the paper work in 2004. However, she now knows, and I told her this could potentially be a huge issue for her and her father, should anyone get audited or his clients get audited.

Thanks in advance.

Personal Finance Deals
45 Free & Open Texbooks eBooks from MIT OpenCourseWare
Added on : Tuesday January 28th 2014 05:00:20 AM
g: 0 Posted By: slervik
Views: 150 Replies: 0 MIT OpenCourseWare is offering 45 free and open ebook textbooks for students and those who just wish to have some. I've typed out and linked the list for those interested. Thanks!

1.571 Strutural Analysis and Control Spring 2004
2.017J Design of Electromechanical Robotic Systems Fall 2009
2.086 Numerical Computation for Mechanical Engineers Fall 2012
2.154 Maneuvering and Control of Surface and Underwater Vehicles (13.49) Fall 2004 (PDF)
2.158J Computational Geometry Spring 2003
3.11 Mechanics of Materials Fall 1999
6.001 structure and Interpretation of Computer Programs Spring 2005
6.003 Signals and Systems Fall 2011
6.00SC Introduction to Computer Science and Programming Spring 2011
6.02 Intro to EECS II: Digital Communication Systems Fall 2012
6.042J Mathetmatics for Computer Science Spring 2010
6.050J Information and Entropy Spring 2008
6.061 Introduction to Electric Power Systems Spring 2011
6.241J Dynamic Systems and Control Spring 2011
6.262 Discrete Stochastic Processes Spring 2011
6.641 Electromagnetic Fields, Forces, and Motion Spring 2009
6.701 Introduction to Nanoelectronics Spring 2010
6.901 Inventions and Patents Fall 2005 (PDF)
6.911 Transcribing Prosodic Structure of Spoken Utterances with ToBI January IAP 2006
16.863J System Safety Spring 2011
18.013A Calculus with Applications Spring 2005
18.S996 Category Theory for Scientists Spring 2003
21F.101 Chinese I (Regular) Spring 2006
21F.102 Chinese II (Regular) Spring 2006
21F.104 Chinese IV (Regular) Spring 2006
21F.502 Beginning Japanese II Spring 2005
21F.503 Intermediate Japanese I Fall 2004
MAS.632 Conversational Computer Systems Fall 2008
RES.12-000 Evolution of Physical Oceanography Spring 2007
RES.18-001 Calculus Online Textbook Spring 2005
RES.18-002 Introduction to MATLAB Spring 2008
RES.18-003 Calculus for Beginners and Artists Spring 2005
RES.18-004 The Torch or The Firehouse: A Guide to Section Teaching Spring 2009
RES.6-001 Continuum Electromechanics Spring 2009
RES.6-001 Electromagnetic Fields and Energy Spring 2008
RES.6-002 Electromagnetic Field Theory: A Problem Solving approach Spring 2008
REs.6-003 Electromechanical Dynamics Spring 2009
RES.6-004 Principles of Computer System Design: An Introduction Spring 2009
RES.6-010 Electronic Feedback Systems Spring 2013
RES.8-002 A WikiTextBook for Introductory Mechanics Fall 2009

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Amazon Zwipes Microfiber Cleaning Cloths (36-Pack) Assorted Colors $16.67
Added on : Thursday January 23rd 2014 09:00:03 PM
g: 0 Posted By: SAGAFTRA
Views: 16 Replies: 0 ~~Zwipes Microfiber Cleaning Cloths (36-Pack) Assorted Colors.$16.67 withFS

You can AlsoPay as low as $14.17 and never run out with Subscribe & Save.
Save 15% when you subscribe to regular deliveries of this item. Save 15% on your entire delivery when you subscribe to 5 or more items that arrive in the same month. No commitments, no obligations, and shipping is FREE~~Product Description
Amazon.comZwipes Microfiber Cleaning Cloths will become your favorite tool for virtually all cleaning tasks. In the garage theyre perfect for washing and detailing cars, trucks, boats, motorcycles, and RVs. Inside the house, you can use them to clean kitchens, bathrooms, floors, and TVs to a brilliant shine. No matter if youre cleaning up a spill, detailing your ride to a showroom shine, or restoring the sparkle to your kitchen, Zwipes Microfiber Cleaning Cloths are always up for the job.Saves MoneyZwipes Microfiber Cleaning Cloths are machine washable and can be re-used hundreds of times. They're also super absorbent, and soak up 8 times their weight in water--drastically reducing your paper towel usage. With over 110,000 fibers per square inch, these cloths create a scrubbing action that virtually eliminates the need for costly cleaning solutions. Say goodbye to harsh chemicals and expensive paper towels when you start cleaning with Zwipes.No Scratches, Streaks, or LintZwipes Microfiber Cleaning Cloths are exceptionally soft and are safe to use on paint, clear coat, TVs and all other surfaces. Zwipes are especially effective at trapping particles with static electricity, which is the secret behind its elimination of the need for cleaners and detergents. The cloths millions of tiny fibers gently lift away grit and grime leaving a streak-free shine with no lint. *Note that brand new cloths may lint slightly. It's recommended to rinse your cloths in plain water before their first use.Care InstructionsHand or machine wash. Tumble dry low, do not iron. Do not use fabric softener as it clogs the microfibers and affects performance. Do not bleach. For best performance, avoid washing with other items that lint.Usage IdeasZwipes are the ideal tool for a multitude of cleaning tasks, and are suited for everything from your kitchen and bathroom to your automobile and garage. They're also perfect for the office, and are handy while traveling, camping, golfing, boating, fishing, and picnicing.Frustration Free PackagingZwipes products ship in simplified packaging that is 100% recyclable and contains no excess plastic. By utilizing this packaging, Zwipes is able to reduce the amount of waste created, resources consumed, and overall impact on the planet.Whats in the Box?36 Pack of Zwipes Microfiber Cleaning Cloths (12 x 16).

Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)
Added on : Thursday January 23rd 2014 07:00:11 PM
g: 0 Posted By: bpvh
Views: 262 Replies: 0 Office Depot rebate software for the week of 01/26/2014 ($10AR and $15AR)


Will update with rebate information ... hopefully by the time this goes live on 01/26.


AVG Internet Security
$9.99 After $20 Mail-In & $30 Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $59.99
Item #211-025


McAfee Internet Security for 3 PCs
$14.99 After $5 Instant & $50 Mfr. Mail-In Savings
In Store Price $64.99
Item #101-324


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

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

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

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

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

NOTES:

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

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

Office Depot Coupons
First Time Home Buyer- looking for advise
Added on : Tuesday January 21st 2014 04:00:14 AM
g: 0 Posted By: saavyfw
Views: 184 Replies: 5 Looking to apply for a home loan for the first timeand want to know who you guys recommend fora lender. I am thinking of Navy Fed or Pen Fed.

-household income- $50K-$60K yearly gross
-excellent credit (780)
-very low debt to income ratio
-married
-looking to buy in northern va (purchase price less than $200K)

Does it matter who I go with? I should mention I am employed with one of them if that makes any difference. Who would you recommend? Or are there better lenders? Couldn't find a recent thread about this. Thanks!
Personal Finance Deals
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

Been working part time low hours, low pay for the last year (I am retired, well actually I guess I am not). For a few months out of the year my boss paid me by CHECK (he calls it cash) made out to me (yea, he's an idiot) and didn't deduct any taxes because he simply didn't want to pay them. I owned a retail business for many many years up until the late 1990's before I retired. I told him he's an idiot because if he ever gets audited he's f'd but I wanted to keep the job for convenience and mostly to be busy. The rest of the year I was paid "on the books" and in fact just got my W2. I told him after the first check payment that I am reporting all the income (he wasn't happy but didn't tell me to leave).

My question is how would I report it? Not on line 21 it seems. It wasn't a lot of money (under $2K) but I want to report it to CMA. Just for the record, he also has 2 "kids" (well, compared to me they are kids) working for him for a few years and he has ONLY paid them by CHECK with no taxes deducted. I'm tempted to sit them down and tell them how much deep shit they will be in for but I decided it's NOMFB.

There is a lot more detail to this but it doesn't matter because it doesn't change my question, I don't care what happens to him if he gets audited as long as my ass is covered. The other 2 guys are dumb enough just to do what he wants and/or simply don't understand the ramifications. If he was paying CASH I might have thought twice about it but with a check he might as well bend over and spread his cheeks if he gets audited because the checks are written to the names of his employees. At least this way I can say I reported the income and simply didn't want to lose my job. As a point of info I do have an EIN because I used to have a small eBay business and while it has been dormant for a couple years I have maintained the business name. It seems just as bad if I put it towards that long dormant business because that isn't where the income came from.

I know it's only a small amount of money but I want to report it correctly so my arse is covered when he eventually gets audited. BTW, this idiot employer is an accountant by trade (he was schooled as an accountant in Egypt where he came from) and the business is a national franchise. It's a "small" location with not a lot of business and not making a lot of meney. He probably bought it strictly for tax purposes. Maybe that's how they do it in Egypt? He's such a nice guy but definitely not a businessman.



Tax Deals
Questions on college major & future career
Added on : Saturday January 18th 2014 09:00:07 AM
g: 0 Posted By: floridagators2014
Views: 30 Replies: 0 I am in my mid-20s -- getting a late start on college & life for family reasons. I started taking some classes at a local community college last year to earn my AA, and hope to transfer to a 4-year university nest year -- hoping University of Florida.

I have talked to several "academic advisors" at my college, but don't really think they seem to be knowledgeable about the real world. I am also the first to go to college in my family, so asking them for advice is not a possibility either.

My questions is: What major puts me in the best position to have a good career? I know that a job is not guaranteed no matter your major, but I want to give myself the best possible chances. I don't need to be rich, but want to be comfortable -- don't want to live paycheck to paycheck ever. I am also going to more than likely need to support my mother -- and possibly brother as well -- in 10 or so years.

I am good at math and interested in computers. I was thinking about computer engineering or computer science. Possibly double majoring/minoring in math. I looked at nursing, but know that I would be miserable doing that for the rest of my life -- I am pretty introverted.

I have been following FWF for a few years, and there seems to be a lot of knowledge people on this board. I appreciate any advice I get! Thanks everyone in advance.
Personal Finance Deals
Free $5 Subway or Darden Restaurant Gift Card
Added on : Saturday January 18th 2014 05:00:05 AM
g: 10 Posted By: sylwiawasowicz
Views: 527 Replies: 6 Free $5 Subway or Darden Restaurant Gift Card
https://www.mymilesmatter.com/default.aspxsign in if you have an account or create a new free account

Enter code : HappyNewYear14 for 1000 bonus miles, they will immediately credit to your account

Go to rewards, then gift certificates & cards: Select $5 Subway or $5 Darden (Red Lobster, Olive Garden, LongHorn, Bahama Breeze) for 650 miles.For some reason I had 270 miles in my account, so I was able to get a $10 Subway Gift Card
Thanks 4walls
Restaurants & Entertainment Deals
g: 1 Posted By: jaymanthegreat
Views: 253 Replies: 0 D-Link Wireless-N Network Surveillance Camera W/ iPhone Remote Viewing DSC-930L $32.95

was $119.99

73% OFF
Item Description:

The D-Link DCS930L Wireless N Network Camera lets you keep watch on your home, children, and pets around the clock. The camera can be used to add surveillance to small-office networks as well. The installation of this surveillance camera requires three easy steps: connect the cables, plug in the camera and run the short installation wizard.
Features:
Wireless N - Wireless N for flexible placement
Motion Detection - Enhanced email alerting based on motion sensing technology
Remote Viewing - View on iPhone, iPad or Android with mydlink app or mydlink.com
Simple Setup - Install your camera in minutesThe user can see what the D-Link DCS930L Wireless N Network Camera is seeing by simply logging on to mydlink.com. A built-in microphone enables the user to hear what is going on too. There is no need to remember an IP address or change router configuration settings to start viewing.The device also works well with Mydlink iPhone, iPad, or iPod touch to serve the best results. With its sleek and compact design, the D-Link DCS930L Wireless N Network Camera fits in small spaces.
D-Link DCS-930L Wireless N Network Camera:Easily view and manage your camera from mydlink.com
Sleek and compact design
Wireless connectivity
Ready to use in 3 simple steps
Works with mydlink iPhone app for on-the go viewing
Keep an Eye on What Matters Most
The mydlink-enabled Day Network Camera (DCS-930L) comes with everything you need to quickly add a surveillance camera to your home or small office network. It works right out of the box. Simply connect the cables, plug in the camera, run the short installation wizard and setup is complete. To view what the camera is seeing, simply log on to mydlink.com, choose your device, and start viewing. There is no need to configure your router to open up ports or remember hard-to memorize Internet addresses.
Anywhere Access with mydlink
With the mydlink Lite app for iPhone and Android, you can quickly and easily see your camera feed from anywhere with a Wi-Fi, 3G or 4G connection. No more guessing whats going on at your house while youre away. Thanks to this app, you can monitor on-the-go... even if you dont have access to a computer.
Remotely monitor your network cameras from anywhere
Remote Pan & Tilt live video
Select video quality
No Monthly service fees
2-way audio
Pinch-zoom
Instant E-Mail Alerts and Auto-Recording
Built with motion sensing technology, the DCS-930L is capable of triggering instant e-mail alerts and auto-recording based on changes within your camera?s environment. The intuitive mydlink interface allows you to quickly customize your camera?s settings, so you can have full control of how and when you want to be alerted. Easily setup watch-zones to be instantly notified if strange activity occurs within your cameras field of view.

http://www.walmart.com/ip/D-Link-Wireless-N-Network-Surveillance...
Cameras Deals

Walmart Coupons
g: 0 Posted By: bittul
Views: 188 Replies: 0 http://www.drugstore.com/user/promo.asp?promoid=147430&trx=29932&trxp1=147430
Scroll down and add the Daily Freshness Feminine Wash (or any other item for that matter) to cart.

Poise Roll-On Cooling Gel automatically gets added to cart.
(link to product for reference: http://www.drugstore.com/poise-roll-on-cooling-gel/qxp414452?catid=183101)

Final at checkout $2.99 + FS w/Shoprunner for both.
Health & Beauty Deals

drugstore.com Coupons
USBank ATM issue -- is this fair banking?
Added on : Tuesday January 14th 2014 08:00:05 PM
g: 0 Posted By: ptiemann
Views: 65 Replies: 2 I deposited 3 checks last week Thursday at an USBank ATM inside a supermarket. The teller was on a phone call with a customer going through items on a bank statement, so I figured, why not use the ATM, what could go wrong.

1 check was a cashier's check ($825)
1 was a money order ($58)
1 was a personal check ($108)

the ATM had trouble with the last check which was handwritten, and the teller got off the phone, so I figured I cancel the transaction and deposit it with the teller.

You all know what comes now - the ATM has a paper jam and did not return the checks. It asked me 'how much did you try to deposit?', I answered $991 and it printed some receipt for me over $991 failed deposit.

Talked to the teller.

Teller says, 'yeah, I know, someone put in too much cash earlier and messed up the machine'
(why did they not lock down the deposit function then???)

He fills out an application and I will get a temporary credit ... AFTER 10 DAYS!
Supposedly they are going to call me in their investigation. I told him I'm rarely able to take calls, and rarely will take calls from 800 numbers.
It will take 60 to 90 days to investigate this deposit!

I told him I expect a credit in 10 minutes. He repeated it's UP TO 10 days. Well, it's been 5 days so far (calendar days) and I cannot even see anything on their web site indicating that they are doing anything in this matter.

I really wonder if the 10 days delay (probably 2 calendar weeks) is acceptable.

Obvious lesson is to avoid this type of transaction.

Really annoying since 2 of the 3 items were certified funds; I cannot just go to the other party and ask for a new check. I have typically $5k to $10k with them, so $991 is nothing extraordinary.

Added:
Tried calling them this evening.. 'too many calls at this time, we cannot take your call, try again later', and I don't find time in the day to call them... I guess I just wait 10 days.
negotiating billboard rates with Lamar Billboard ads
Added on : Monday January 13th 2014 07:00:08 PM
g: 0 Posted By: junkmailncrap
Views: 74 Replies: 0 I inherited a billboard contract with Lamar Billboard Advertisement company worth $1000 a year when I purchased a small commercial property last year. I have no idea what these billboards are worth in los angeles. The only way I've been able to communicate with Lamar is via email and i don't want to loose what little I have. How would someone with advertisement space go about making money? Should I raise their rent every year by a certain percentage? Nothing comes up with I try to google this matter. Please help!
Question Deals
g: 2 Posted By: mmax
Views: 767 Replies: 3 Wolverine Men's Barricade Hoodienow $29.99 (it was $90), comes in Medium or Large. This is a very good price for anybody who works along busy roadways, bicycle riders, hikers, and even handy to have on hand during a snowstorm (So that other drivers can see you if you are along the side of the roadway). Comes in a High Visibility Yellow color, with reflective tape.
Wolverine.com said: Tru Hi Vis, means true protection when visibility matters most. Wolverine Tru Hi Vis collection provides Class 3, Level 3 ANSI/ISEA certified protection. Features reflective tape atop a lightweight, breathable mesh base. 100% Polyester. Jersey Fleece. Reflective tape on front and back. 3 piece hood. Roomy welt front pockets. Rolled shoulders. Rib sleeve cuffs and bottom. Full front zipper closure. Tacked in hood cord with toggle. Tagless label. Tab label on front.


Web URL:

http://www.wolverine.com/US/en-US/Product.mvc.aspx/16686M/33952/...
Clothing Deals
g: 0 Posted By: mmax
Views: 195 Replies: 0 Wolverine Men's Barricade Hoodienow $29.99 (it was $90), comes in Medium or Large. This is a very good price for anybody who works along busy roadways, bicycle riders, hikers, and even handy to have on hand during a snowstorm (So that other drivers can see you if you are along the side of the roadway). Comes in a High Visibility Yellow color, with reflective tape.
Wolverine.com said: Tru Hi Vis, means true protection when visibility matters most. Wolverine Tru Hi Vis collection provides Class 3, Level 3 ANSI/ISEA certified protection. Features reflective tape atop a lightweight, breathable mesh base. 100% Polyester. Jersey Fleece. Reflective tape on front and back. 3 piece hood. Roomy welt front pockets. Rolled shoulders. Rib sleeve cuffs and bottom. Full front zipper closure. Tacked in hood cord with toggle. Tagless label. Tab label on front.


Web URL:

http://www.wolverine.com/US/en-US/Product.mvc.aspx/16686M/33952/...
Clothing Deals
Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

I am looking for advice on what steps to take in the next few months, so as to not run into problems and if possible exploit the current situation.
- Unemployment benefits is almost ruled out since she is quitting and there is no harrassment of any kind.
- Will transfer health insurance onto my name in the next couple of weeks.
- Plan to do an AOR on her name (details below - any input is highly appreciated)
- Anything else ...!!??

The AOR is primarily for points/CashBack. I plan to get big on BB/VR and MS to further supplement our incomes. We do not have CVS, Riteaid, OfficeMax. We have Walgreens though and will try my first VR today there.
Her credit score is about 705 (credit karma) and her current salary is about $65K (mine about $80K). Here is a list of potential ongoing offers. Am I missing some offers.
Wells Fargo 5 rewards points for every $1 spent on gas, grocery, and Drugstore net purchases for 6 months (primarily for VR at WGs) Barcley 2X on all purchases - ==2.2% CashBack NFCU 60K points with $3K spend in 3 months -- now 15K?? Marriot 70K points with 1K spend IHG Rewards Club 80K points with 1K spend Capital One 50,000 points with Capital One Venture Card Chase Slate Introductory Offer: 0% APR on Balance Transfers Chase Saphire 40,000 Ultimate Rewards points after $3000 within 3 months Chase Ink Bold 50,000 UR points
I plan to get a EIN and also apply for some business cards. We don't worry about any hits on her credit score, as we don't plan on refinancing or such in the near term. I have done couple pf mini AORs before but, I plan to optimize this AOR since we might not be able to show any income on her name for a while.

I would highly appreciate any advice on all pertinent matters. TIA>

Personal Finance Deals
g: 0 Posted By: remick
Views: 88 Replies: 0 http://www.amazon.com/You-Healthier-Now-Changes-Wellness-ebook/d...

4.9 out of 5 stars (18 customer reviews)

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Personal Health > Women's Health
#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Personal Health > Healthy Living

You Healthier Now is more than just a book it's a life guide!

Whether you are just getting off the couch, coming back from your regular daily walk, stepping out of your 10th yoga class, or running your 10th marathon this book applies to you!

Most of the other books you may have encountered prescribe an exact definition of what it means to be healthy. You Healthier Now helps readers do an honest assessment of where they are currently in their own personal health and fitness journey, and to identify then execute the next steps toward whatever goals they have.

It is a practical and accessible guide to everyone no matter their history, experience, or current state of health and fitness. The best part is, You Healthier Now can help you grow throughout your life and your fitness journey.


Totally Free Deals
Financing a car and a house this year. In which order?
Added on : Sunday January 12th 2014 01:00:05 PM
g: 0 Posted By: EvilPuppy
Views: 76 Replies: 0 I'm looking into getting an used car which I may qualify for a pretty attractive rate through the manufacturer. But I'm also getting a house in a few months. If I get the car first, would the home mortgage loaner see the car loan on my credit report and think I'm a bigger risk thereby give me a higher rate? Or does it even matter?

Car Loan Amount: $15,000
Car Down Payment: $3,000

Home Loan Amount: About $500k
Home Down Payment: $200k
Personal Finance Deals
Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

Upfront disclaimer: amount of EZPass charges in question in my case is less than $10. It is just a matter of principle that I don't like paying for something that I should not be paying for. If you consider such an approach a complete waste of time (which it might well be) then you might better save you time on something more useful instead of reading below Thanks.

Short description: Live close to NYC, don't own a car, rent cars on a regular basis (at least 3-4 times a month). To save time and money I bought my own EZPass tag, good suction mount for it and move it from car to car together with GPS.
EZPass NY recommends to register all cars being used with a specific tag by their license plate to be able to charge a specific account if a registered car goes throw a toll plaza and the system fails to read a tag. It is a quick process and I used to do it every time renting a new car right from my smartphone, just for a peace of mind. I remove license plates from my account right after I drop the car back to the rental company (usually the same day).

It worked like a charm for a very long time, until I rented a car from Dollar Rent-a-Car for one day in April last year. I returned a car next day at around 09:00am, went to the meeting and eventually logged to my EZPass account to remove a license plate there in the afternoon.
Several days later I see several toll charges for the total of ~$8 in the area nearby coming from the plate recognition of the rental car. The timestamp says somewhere around 11:30am the same day I returned this car, but before I removed it from my EZPass account (so, obviously, a guy/girl who rented a car after me decided somehow not to pay tolls and EZPass had to read his plates and matched it to my account).

Thinking that the situation is very simple, I wrote an email request to EZPass through their website with a detailed explanation asking to credit those charges back to my account and go after the owner of this car (Dollar) for those toll violations. Several days later I get an answer to call them.

(skip many months)

Long story short - in total I tried to contact them 5 or 6 times using all types of communication (email, phone, snail mail). I sent them my rental car receipt that I asked Dollar to send me, that clearly says that I dropped the car at 09:00 and at the time of those charges it was NOT in my possession. The last LETTER I received from them made me seriously think if I speak to a brick wall and if my explanations are actually being read by someone or I'm just getting automated "F**K OFF" answers for all my communication - basically, they write that they have reconfirmed that the license plate had been recognized properly (like I argued with that) and ask me to provide documentation that I sold this car or got rid of it by other means if I was not in its possession.

My brain starts to explode here. I wrote them 2 or 3 times that it was a RENTAL car. I sent them rental receipts twice. I just don't understand what else can/should I do? )


Is it about the money? Of course, no, at least now. I think I am close to spending similar amount on postal stamps and I already spent much more in terms of my time dedicated to this. What pisses me off most is that I thought that rental receipt is going to be a universal and unquestionable proof that I was not a driver at the time of violation. "Sir, a car with a plate XXX-ZZZ was involved in bank robbery and triple homicide yesterday. We saw you in this car three days ago, so you are under arrest... - Sure, but guys, I dropped this RENTAL car 2 days ago, sorry. Bye.". Apparently it is not, at least for EZPass.

What should I do next? The most natural answer is obviously "Let it go. Forget" and I lean towards this myself, but I hate situations like that and want to make it right..

Any ideas? Is there any authority I can report EZPass to? (I guess they don't really care about BBB...)

Personal Finance Deals
g: 0 Posted By: DaysFan
Views: 208 Replies: 0 Carter's Baby Girls' Blue Heart Snow SetOriginal: $90.00 Sale: $27.00

http://www.bonton.com/sc2/shop/kids/baby-girls-apparel/outerwear/facet-prodprom_On%20Sale/


Keep your little one as comfy as she is cute all winter long with this charming snow set from Carter's. The heart-print jacket features a cozy hood with faux fur trim to shield baby's face from the wind. Zip closures on the jacket and snow pants make dressing for a winter excursion quick and easy. Putting the finishing touch on the set, the fleece cap and mittens ensure that little fingers and ears stay toasty.

Navy
Includes: jacket, snowpants, cap and mittens
Zip-front on jacket and snowpants
Heart print
Faux fur trim on hood
Polyester
Imported

Columbia Girls' 3M-4T Bright Orange Double Trouble Reversible JacketOriginal: $65.00 - $75.00 Sale: $30.00 - $39.00
http://www.bonton.com/sc2/shop/kids/girls-sizes-2-6x/outerwear/columbia-girls-3m-4t-bright-orange-double-trouble-reversible-jacket_647528.html

Original: $65.00 - $75.00 Sale: $30.00 - $39.00This product can be gift wrapped.Keep your little one warm and cozy when the temperatures drop with this baby girls' reversible jacket from Columbia. The jacket features a hooded design and is quilted on one side with patterned fleece on the other.London Fog Baby Girls' SnowbibsOriginal: $34.00 Sale: $10.20This product can be gift wrapped.Winter-ready, these pants will protect your little snow angel no matter how chilly it gets out.http://www.bonton.com/sc2/shop/kids/baby-girls-apparel/outerwear/london-fog-baby-girls-snowbibs_668210.html

Clothing Deals

Bon-Ton Stores Coupons
ON SALE: Sonia Rykiel - Dauphine - Tote Black/White
Added on : Friday January 10th 2014 09:00:13 AM
Dauphine tote by Sonia Rykiel is made for the urban warrior who wants to stay in style no matter how busy she is. Cotton canvas in black and white stripes, gold toned zip and round »jewel» accents, leather front pocket. Ample room for iPad, makeup, and all the other things you need on the go.
Mortgage on primary home or rental?
Added on : Thursday January 09th 2014 06:00:14 AM
g: 0 Posted By: Kinasharma01
Views: 111 Replies: 8 We live in a paid off condo. Now we are looking to buy a similarly priced single family home and rent the condo. The options we have are -

1. Get a mortgage on the SF house when we buy it.
2. Do a cash-out refinancing on the condo and buy the house outright with cash.

Any opinions, thoughts on which option is better and from what perspective? Any benefits of mortgaging the rental property vs primary home? From what I have read on other threads, the mortgage interest is deductible on both properties, so it may not matter. Any other factors to consider?
Personal Finance Deals
Copays and Doctor visits (Hospital Based Billing)
Added on : Thursday January 09th 2014 05:00:10 AM
g: 0 Posted By: BenH
Views: 2 Replies: 0 I posted a thread several months ago in Off-Topic and updated it a week or so ago with no response (likely because it sat dormant for so long). I'm bringing some of the questions into FWF because I know there are here with good experience, and in the end - it is related to personal finances, so something we all should understand.

You can read the synopsis of my experience in this post:
http://www.fullofdeals.com/forums/off-topic/1307347/messid=18208089/#bottom

Essentially, it appears that my doctor's office - which is affiliated with a hospital - has changed their billing methods. Now, instead of just a $20 copay, I am paying towards my deductibles for office visits.
Feel free to read the above post for more precise information.

The question I have now, after speaking with my doctor directly (asking her for a recommendation for another doctor not affiliated with the hospital), is this:

My doc informed me that that last few visits that we have all had were not coded as wellness/preventative visits. My daughter (infant) went in for...can't remember...a rash maybe? My wife had hurt her neck, I went in for some congestion/nasal/sleeping issue.
So - the doc said that these were not coded as standard office visits - presumably because it wasn't like a normal check-up, but because we were coming in for a specific issue.

Now I don't go to the doctor often but since I've been married and had a kid I have to deal with the insurance more than ever. IIRC, in the past when I have had insurance with a $15-30 doctor copay visit, it did not matter what I was going into the doctor for.

Whether it was a yearly checkup, or I had a cold, or I was complaining about my toes being numb, or loss of hearing (all just examples)... it didn't matter! I would just go, pay my $15-30 co-pay and that is all I would owe unless the doctor had to order some specific tests.

I'm sure my doc has pressure from the hospital to bill a certain way, and I think she is trying to work with me on this, but which of us has the more real-world view? Am I wrong in thinking that a copay should be valid for all doctor's visits? Is the doc saying otherwise clearly the hospital talking and them trying to take advantage of these billing practices?

Doc says that if she realizes it is an issue for me, that she can try to code our visits more as a "standard" visit which, I believe, should just elicit the copay. With new insurance kicking in this year, and not wanting the hassle of finding another good doctor, I would like to think I can stay with them if they can do this...but I want to know what everyone else's understanding/experience with co-pays are.

thanks.
Buying a rental house targeted at shorter-term tenants
Added on : Monday January 06th 2014 06:00:15 AM
g: 0 Posted By: Bagofchips
Views: 0 Replies: 0 Here's an idea I'm toying with. Where I live (suburbs, upscale, Northern California)there is little inventory for housing (be it rental or purchase). This in turns leads to more people wanting to remodel their homes, but those who do so often have the challenge of where to live short-termduring a move-out remodel.

The cash flow on homes purchased for rental usually stinks, but am thinking MIGHT be able to make something work with a rental targeted at shorter-term occupancy. Rental terms would be front-loaded with a higher rate and the rate would decline over time (to a still-above-market rateat month-to-month). Where I am there is no rent control. Shorter-term tenants also include the recently-relocated (from outside the area or urban flight families) who are house hunting.

The ideal home for such a situation would have these qualities:

Generousgarage for storage
One level for easier move-in / out
Convenient location
Finishes / fixtures able to withstand more wear & tear

Things that ordinarily might hinderproperty value which could matter lessto shorter-termtenants (to an extent):

Road noise
Appearance of neighboring properties, house itself, grounds
Interior condition

So basically, I'm thinking there might be a way to cater to shorter-term credit-worthy tenants paying above-market rent in a property that is fundamentallylower cost / sq ft. Clearly Iwould need to manage vacancy. I can't get to the oft-advised1% rent threshold, though I will be able to self-manage given my proximity to it. Rent could cover mortgage and property taxes and minimal maintenance like landscaping. But let's say not routine repairs, insurance, home warranty...

Input?
OFFER OVER Free Kindle Book- Wake & Bake (cannibis cookbook)
Added on : Monday January 06th 2014 04:00:10 AM
g: 4 Posted By: remick
Views: 1455 Replies: 3 http://www.amazon.com/dp/B00HNJD1RA

Wake & Bake: a cookbook is a colorful and silly guide to cooking and baking with cannabis. Inside, you will find more than 50 recipes complete with photos, playful commentary, and simple methods.

This book was designed with novice home cooks in mind. Wake & Bake includes step-by-step guides with photos, using common tools and ingredients, to show you how to make incredible edibles in your own home. Theres also a full tutorial showing you how to make Green Monsta Oil (a cannabis infused coconut oil) so you can feel confident during the entire process.

Wake & Bake features dairy free, gluten free and vegan recipes and a substitution guide for using conventional ingredients. No matter your dietary habits or sensitivities, you can bake using Wake & Bake
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g: 2 Posted By: remick
Views: 288 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.



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You are about to discover how to get in charge of your financial life. No matter what you do for a living, you are going to need financial literacy to succeed in life. You know this; that is why you picked up this book. The fact is that the amount of success you achieve both in your business and personal finance is determined by the ability to track your spending, build up savings, and invest the smart way towards a better future. Its determined by the ability to develop the right money habits that will take you where you want to go in life.


Spending Smart: A Consumer's Guide to Saving Money and Making Good Financial Decisions
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Spending Smart is a compact but immensely helpful collection of columns from the weekly Chicago Tribune column penned by Gregory Karp. Offering tips for consumers across a wide variety of fields, including insurance, banking, cars, phones, homes, travel, and more, this book is a terrific primer for how to take better care of your money and find deals where others aren't even looking.
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g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.
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Free Kindle Book- Wake & Bake (cannibis cookbook)
Added on : Saturday January 04th 2014 09:00:07 AM
g: 0 Posted By: remick
Views: 189 Replies: 0 http://www.amazon.com/dp/B00HNJD1RA

Wake & Bake: a cookbook is a colorful and silly guide to cooking and baking with cannabis. Inside, you will find more than 50 recipes complete with photos, playful commentary, and simple methods.

This book was designed with novice home cooks in mind. Wake & Bake includes step-by-step guides with photos, using common tools and ingredients, to show you how to make incredible edibles in your own home. Theres also a full tutorial showing you how to make Green Monsta Oil (a cannabis infused coconut oil) so you can feel confident during the entire process.

Wake & Bake features dairy free, gluten free and vegan recipes and a substitution guide for using conventional ingredients. No matter your dietary habits or sensitivities, you can bake using Wake & Bake
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g: 0 Posted By: remick
Views: 53 Replies: 0 http://www.amazon.com/The-Walking-Dead-Complete-version/dp/B00HF19RVK

Winner of over 90 Game of the Year awards
All five award-winning episodes plus special episode '400 Days'
Based on Robert Kirkman's award-winning comic book series
Choice matters: your decisions change the story around you
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Air travel booked by AAA will not categorize as travel on your cc
Added on : Friday January 03rd 2014 04:00:09 PM
g: 0 Posted By: markbyte
Views: 2 Replies: 0 I'm just mentioning this to any of you who may be considering letting AAA make your travel arrangements for you. My family and I are planning a trip to Europe in September. Being members of AAA we went down to the local office and they helped us plan a trip. Since I have a Barclay's Bank Arrival card with about $500 of travel points available, I used that card thinking I could redeem my points against that reservation. After the charge posted to my account I found that AAA is categorized as Automobile Associations (and not travel) thus preventing me from using my travel points. To make matters worse, they added a charge of $44.40 to each airline ticket as some sort of international booking fee adding $177.60 to the total for airfare (there are 4 of us). I wasn't there when the airline tickets were being booked (my sister was) or I would have stopped it. So had I just done the reservation myself here online, not only would I *not* have been charged $44.40 per ticket, I would have been able to use my travel points. Not a good experience at all.
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Cheap Amazon downloadable games
Added on : Wednesday January 01st 2014 09:00:13 PM
g: 1 Posted By: MrsGuin
Views: 178 Replies: 0
Search video games & the game name @ www.amazon.com

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12/19/2013 to 1/3/2014 CIV V COMPLETE (GOLD PLUS BRAVE NEW WORLD) - $19.99 [Amazon.com]
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1/1/2014 to 1/3/2014 American Pickers (MAC) - $6.80 [Amazon.com]
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1/1/2014 to 1/3/2014 Arcade Attack! - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Arcade Blockbusters - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Arcade Favorites! - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Bastion - $3.69 [Amazon.com]
1/1/2014 to 1/3/2014 Batman Arkham Asylum GOTY - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Batman Arkham City - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 Batman Arkham City GOTY - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 Batman Arkham GOTY Pack - $11.99 [Amazon.com]
1/1/2014 to 1/3/2014 Batman Arkham Origins Season Pass - $14.99 [Amazon.com]
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1/1/2014 to 1/3/2014 Beebo Deluxe - $3.40 [Amazon.com]
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1/1/2014 to 1/3/2014 Bicylce Texas Hold 'em - $6.80 [Amazon.com]
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1/1/2014 to 1/3/2014 Bubbly Burst - $2.50 [Amazon.com]
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1/1/2014 to 1/3/2014 Caesar III - $1.49 [Amazon.com]
1/1/2014 to 1/3/2014 Call of Duty: Ghosts - $39.99 [Amazon.com]
1/1/2014 to 1/3/2014 Call of Duty: Ghosts Hardened Edition - $79.99 [Amazon.com]
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1/1/2014 to 1/3/2014 Card Crazy! - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Cargo - The Quest for Gravity - $3.50 [Amazon.com]
1/1/2014 to 1/3/2014 Castle - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Castle (Mac) - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Caveman Rocks - $2.50 [Amazon.com]
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1/1/2014 to 1/3/2014 Crazy Machines 1 - The Wacky Contraptions Game - $3.40 [Amazon.com]
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1/1/2014 to 1/3/2014 Crazy Machines 2 - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Crazy Machines 2 - Invaders From Space - $1.50 [Amazon.com]
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1/1/2014 to 1/3/2014 Dark Arcana The Carnival MAC - $3.50 [Amazon.com]
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1/1/2014 to 1/3/2014 Darksiders - $3.99 [Amazon.com]
1/1/2014 to 1/3/2014 Darksiders II - $9.99 [Amazon.com]
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1/1/2014 to 1/3/2014 Hitman Triple Threat Pack - $3.99 [Amazon.com]
1/1/2014 to 1/3/2014 Hitman: Absolution - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Hitman: Blood Money - $2.99 [Amazon.com]
1/1/2014 to 1/3/2014 Horse Lovers Compendium 5-Pack - $5.10 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Backgammon - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Beach Fun - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Beaks & Booty - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Beijing Buckaneers - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Bridge - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Bundle - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Card Games - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Card Games [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Card Games 2012 - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Card Games 2012 [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino 3D - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Collection 1 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Collection 2 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Collection 3 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Empire - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Games - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Games [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Games 2012 - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Casino Games 2012 [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Celebrity Gossip - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Chess - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Classic Board Game Collection 1 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Classic Board Game Collection 2 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Classic Board Game Collection 3 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Classic Board Game Collection 4 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Club House Pack - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Comic Cash - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Crosswords and Sudoku - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Desert Island Doubles - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Enchanted Puzzles - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Gator Elevator - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Haunted Harbor - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Illusions - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Illusions Mac - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Kid's Card Games - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Magic Carpet - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Miami Solitaire - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Ninjas of the Caribbean - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Parlor Games - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Poker & More - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Puzzle and Board Games - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Puzzle and Board Games [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Puzzle Board Games 2012 - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Puzzle Board Games 2012 [Mac Download] - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Robot Invasion - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Slots and Video Poker - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Solitaire - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Solitaire & More - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Super Sandwich - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Swashbucklin' Slots - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Texas Hold'Em - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Hoyle Wacky Makeovers - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Huntsman - The Orphanage Halloween Edition - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 Huntsman - The Orphanage Halloween Edition (Mac) - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Aztec Temple - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Aztec Temple Mac - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Bombay - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Bombay Mac - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Cleopatra II - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Kitty Glitter - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Kitty Glitter Mac - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Three Kings - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Three Kings Mac - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Wild Wolf - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 IGT Slots Wild Wolf Mac - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Immortal Action Pack - $20.99 [Amazon.com]
1/1/2014 to 1/3/2014 Injustice: Gods Among Us Ultimate Edition - $19.99 [Amazon.com]
1/1/2014 to 1/3/2014 Jewels of Cleopatra - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Jewels of Cleopatra 2 - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 JigSaw Boom - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 JigSaw Boom (Mac) - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Jigsaw Boom 2 - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Joe Danger - $6.00 [Amazon.com]
1/1/2014 to 1/3/2014 Joe Danger 2: The Movie - $6.00 [Amazon.com]
1/1/2014 to 1/3/2014 Joe Danger Bundle - $10.00 [Amazon.com]
1/1/2014 to 1/3/2014 Jungle vs Droids - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Just Cause 2 + DLC - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Katy & Bob Way Back Home - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Kilgazar - $2.99 [Amazon.com]
1/1/2014 to 1/3/2014 Kilgazar (Desura) - $2.99 [Amazon.com]
1/1/2014 to 1/3/2014 Kilgazar (Mac) - $2.99 [Amazon.com]
1/1/2014 to 1/3/2014 Lara Croft and the Guardian of Light - $1.99 [Amazon.com]
1/1/2014 to 1/3/2014 Learn to Play Chess with Fritz & Chesster: Chess Complete 3-Pack - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Learn to Play Chess with Fritz and Chesster - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Learn to Play Chess with Fritz and Chesster 2: Chess in the Black Castle - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Learn to Play Chess with Fritz and Chesster 3: Chess For Winners - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Legacy of Kain Pack - $3.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Batman - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Batman 2: DC Super Heroes - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Batman Pack - $11.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Harry Potter: Years 1-4 - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Harry Potter: Years 5-7 - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - $17.99 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Lord of the Rings - $7.49 [Amazon.com]
1/1/2014 to 1/3/2014 LEGO Marvel Super Heroes - $11.99 [Amazon.com]
1/1/2014 to 1/3/2014 Living Legends: Ice Rose - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Living Legends: Ice Rose Collector's Edition - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lord of the Rings: War in the North - $4.99 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Chronicles of Zerzuza - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets Ancient Mysteries - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets Ancient Mysteries (MAC) - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets Bermuda Triangle - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets Bermuda Triangle (MAC) - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets Caribbean Explorer - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Lost Secrets: November 1963 - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 M4 Tank Brigade - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 M4 Tank Brigade (MAC) - $6.80 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjong Easter - $0.49 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjong Royal Towers - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjongg 4 Deluxe - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjongg 4 Deluxe - $3.50 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjongg Platinum 5 Deluxe - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjongg Platinum 5 Deluxe Edition (Mac) - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Mahjongg World Contest Download] - $2.50 [Amazon.com]
1/1/2014 to 1/3/2014 Mass Effect Trilogy - $9.99 [Amazon.com]
1/1/2014 to 1/3/2014 Mass Effect Trilogy [Instant Access] - $9.99 [Amazon.com]
1/1/2014 to 1/3/2014 Masterpiece Mahjong Collection 5-Pack - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Mata Hari - $3.50 [Amazon.com]
1/1/2014 to 1/3/2014 Match Them All - $3.40 [Amazon.com]
1/1/2014 to 1/3/2014 Memento Mori - $3.50 [Amazon.com]
1/1/2014 to 1/3/2014 Metro 2033 - $3.75 [Amazon.com]
1/1/2014 to 1/3/2014 Metro Franchise Pack - $18.70 [Amazon.com]
1/1/2014 to 1/3/2014 Metro Last Light - $13.60 [Amazon.com]
1/1/2014 to 1/3/2014 Metro Last Light: Ranger Mode DLC - $1.70 [Amazon.com]
1/1/2014 to 1/3/2014 Metro: Last Light -
4-In-1 USB Phone Charging Cable $6 on Daily Steals
Added on : Wednesday January 01st 2014 05:00:07 AM
g: 0 Posted By: Wizard83
Views: 85 Replies: 0 Link

Looks like this might be good for those families that need to charge more than one type of phone at the same time (Iphone 4, Iphone 5, etc




This is a multi-function cable that can do your multitasking for you!If you're looking for an all in one sync and charge solution for your mobile devices look no further. With this 4-in-1 USB cable you can connect a wide variety of devices. The included Lightning connection affords you the ability to connect to Apple's iPhone 5, iPod Touch 5th, Nano 7th, iPad 4, iPad mini. The Micro-USB connector allows you to connect your Samsung Galaxy S III, HTC One and the vast majority to recent smartphones. Additionally, the included Apple 30-Pin adapter is great if you have an earlier model iPhone, iPod or iPad (4, 4S, iPod, iPad 1 & 2) and also doubles as a charge/sync cable for the Samsung Galaxy Tab, Galaxy Note and Galaxy Note 2.This convenient 4-in-1 cable is connects to your computer or USB wall for charging purposes. Its USB 2.0 connection also allows it to sync your favorite music, pictures, movies, and important files with blazing fast speeds. No matter your charging or syncing needs, this device delivers!----Condition: NewPackaging: Hassle-FreeWarranty: 1 YearProduct Features: Charges 3 devices simultaneously Connect your iPod, iPhone or other smartphone to your computer for charging and syncing Lightning 8-pin connector is compatible with Apple iPhone 5, iPod Touch 5th, Nano 7th, iPad 4, iPad mini Apple 30-Pin connector is compatible with Apple iPhone 3G, 3GS,4, 4S, iPod, iPad 1, 2 & 3 Micro USB connector is compatible with Samsung Galaxy SIII, HTC One and most smartphones Proprietary 30-Pin Samsung connector for Galaxy Tabs, Galaxy Note, Galaxy Note 2 and more 30-Pin connector features reversible design enabling Apple 30-Pin on one side and Samsung 30-Pin on the other side Fast USB 2.0 Connection Innovative 4-in-1 design for easy storage and portability Compatible with any USB wall charging adapter Works with all iOS firmwares includes iOS 7.x.x Measures approximately 1 ft. in lengthWhat You Get: 4-in-1 USB Cable (White)
Cell Phones Deals
Free Kindle Book- Today's the Day! by Jim Stovall (was $16.99)
Added on : Monday December 30th 2013 06:00:06 AM
g: 1 Posted By: remick
Views: 286 Replies: 0 http://www.amazon.com/Todays-Day-Jim-Stovall-ebook/dp/B005NHTRTU

By picking up this book, you have already taken a first step toward succeeding in life. But will you take the next step. and the next? Will today be the day you finally resolve to do something positive with your life-no matter what difficulties you face?

The world is made up of all kinds of people in all sorts of circumstances. But ultimately, everyone falls into one of two categories: winners or losers those who succeed. and those who fail. Nobody sets out to lose fail. But often we don't really know what success means, or how to achieve it personally.

Now there's help. In this inspiring and uplifting book, Jim Stovall shares easy-to-read, easy-to-put-to-work nuggets of wisdom that he has learned personally by overcoming his own blindness and becoming one of America's most accomplished entrepreneurs. Each persuasive chapter gives you a practical, positive, powerful insight that can help you successfully negotiate every situation in your life.

Ready to get started learning the winner's ways of success? Today's the Day!
Books Deals

Amazon Coupons
Free Zevia Soda at Whole Foods
Added on : Monday December 30th 2013 05:00:09 AM
g: 7 Posted By: attaallah
Views: 2030 Replies: 6 Free Zevia Soda at Whole Foods

Whole Foods has Zevia Soda 6 packs on sale for 2 for $5 until 12/31. Use the $1 off Zevia Whole Foods coupon(you only need one store coupon no matter how many you buy), and the$2 off Zevia print coupon(or here, or here) to make them free.
Beverage Deals
Free Zevia Soda at Whole Foods
Added on : Friday December 27th 2013 02:00:07 PM
g: 0 Posted By: attaallah
Views: 0 Replies: 0 Free Zevia Soda at Whole Foods

Whole Foods has Zevia Soda 6 packs on sale for 2 for $5 until 12/31. Use the $1 off Zevia Whole Foods coupon(you only need one store coupon no matter how many you buy), and the$2 off Zevia print coupon(or here, or here) to make them free.
Coleman Camp Gift Set ($36 OFF) $109.99 + Free shipping
Added on : Friday December 27th 2013 06:00:08 AM
g: 0 Posted By: tedhawkins
Views: 273 Replies: 0 Coleman Camp Gift Set ($36 OFF) $109.99 + Free shipping - includes 2-Prsn Sundome Tent, a Willow Creek Sleeping Bag, a Broadband Quad Chair, LED Headlamp and Cooking Forks

http://www.coleman.com/product/coleman-camp-gift-set/3000003118

Apply FS codesumm49

Coleman Camp Gift Set
This holiday season, give a gift packed with the spirit of outdoor adventure the Coleman Camp Gift Set. Youll make someones day with a 2-Person Sundome Tent, a Willow Creek Sleeping Bag, a Broadband Quad Chair, an LED Multi-Color Headlamp and a free two-pack of Extendable Cooking Forks. The trail could lead to a backyard slumber party or a car-less trek into the mountains the Coleman Camp Gift Set gets you ready for the outdoors no matter where the fun happens.

Coleman 2-Person Sundome Tent
Ground vent and large windows move air up and out
Dome design for quick setup, 10 minutes
WeatherTec System patented welded floors and inverted seams keep water out
Coleman Willow Creek Sleeping Bag
Designed for heights up to 5 ft. 11 in.
For temperatures 40⁰ F to 60⁰ F
Contoured head with Comfort Cuff stitching keeps your head on the bag and the bag off your face
Coleman Broadband Quad Chair
Heavy-duty steel frame supports up to 250 lbs.
Compact, folds up to fit inside most car trunks
Unfolded Dimensions: 21.3 in x 31.1 in. x 35.8 in.
Coleman LED Multi-Color Headlamp
More than 19.8-m beam distance
33 extra-bright lumens on high and 13 lumens on low
Extra-long runtime, 25 hours on high and 66 hours on low.
Coleman Extendable Cooking Forks
Cook hot dogs and roast marshmallows almost a yard away from the flames
Collapse for compact, easy storage
Stay-cool vinyl handle
Camping Deals
Free Kindle Book- Overcome Adversity Your Dreams Matter (was $21.97)
Added on : Friday December 27th 2013 03:00:03 AM
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/Overcome-Adversity-Dreams-Matter-BreakThru-ebook/dp/B00HI8PE62

"Overcome Adversity - Your Dreams Matter", was written and designed by Andrew Brown, a decorated US Army Medical Service Officer. Andrew's goal is to; roadmap the recovery and breakthrough process needed for the reader to define their own life purpose. The book is an active read - emotionally connecting the reader with realistic examples, inspirational and spiritual insight, and practical tools for application. By the end of the book, the reader will be refreshed, renewed, and spiritually redefined. Empowered with tested tools and strategies; to follow their divine calling, and utilize their God given gifts and talents to achieve their own dreams.

Brown, details his recovery from a near-fatal automobile accident during his military career. He was just seven hours from graduating from the US Army Medical Center and School. Faced with a defining moment of a 10/90 percent chance to live; Brown, is medevac by helicopter to the hospital comatose; prognosis...Terminal. What happens to him next is a miracle you must read and experience for yourself! The story is captivating, and layered with insurmountable defining moments. Incapacitated and at the doorway of disaster; Andrew, is barricaded in numerous injuries. The residuals of his past, the defining moments of medical uncertainty, confront him; and castrate his ability to lead himself.
Books Deals

Amazon Coupons
Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)
Added on : Thursday December 26th 2013 06:00:03 PM
g: 0 Posted By: bpvh
Views: 33 Replies: 0 Office Depot rebate software for the week of 12/29/2013 (1 $10AR, 1 $15AR)


AVG Internet Security
$9.99 After $30 Mfr. Mail-In & $40 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
In Store Price $79.99
Item #211-043


McAfee Internet Security for 3 PCs
$14.99 After $4 Instant & $51 Mfr. Mail-In Savings Visa Prepaid Card
In Store Price $65.99
Item #101-324


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

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

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

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

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

NOTES:

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

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

Office Depot Coupons
Sony Dualshock 4 controller + Knack $60 at Best Buy after GC B&M
Added on : Thursday December 26th 2013 05:00:10 PM
g: 3 Posted By: terroralpha
Views: 1238 Replies: 9 -go to a best buy
-get a game and controller, or two games, or two controllers. any game (xbone or PS4).any combo. doesn't matter. knack yields the cheapest bundle.
-go to the check out. make sure your total is $100 or over BEFORE taxes. you can throw in a candy bar or something to get it over the hump. the cash register will automatically ring you up with 2 free gift cards. one for $15 and another for $25. the cashier doesn't have to do anything.

current games that are on sale, Knack for $40 and CoD for $50. other games are on sale too.

best buy is having another promo right now for trade ins. you get a 50% to 100% bonus on trade ins for new gen console games. so instead of $20 your trade in value becomes $30 or $40. depending on what your particular store feels like giving you.
PS4 Deals

Best Buy Coupons
Taxes on a shared property
Added on : Wednesday December 25th 2013 07:00:12 AM
g: 0 Posted By: ankitgu
Views: 24 Replies: 0 I got a condo this year and started renting 1 of the 2 rooms (one is for myself). I'll have collected 6 months of rent for 2013 and the rent covers just over half of the regular expenses.

I have a few questions to help me begin thinking about how I'll handle my taxes. My goal is to have taxes filed pretty early on in the new year.

1) Which tax forms should I start looking at for this?
2)Will this be classified as personal property, or maybe the room and shared areas are rental areas? Any general idea would be helpful.
3) When I bought the place this year, it required significant renovations. At the end of it, 1/3rd of the final cost was in renovations and 2/3 was in the actual condo purchase price. Any idea if I can write off parts of the renovations, which were cash expenses towards fixing the place, which made it rentable? (I did things like replace flooring, countertops, fix holes in the walls, new toilets, all the appliances, labor to refinish cabinets, etc.)

I do intend on continuing to rent out the place through 2013. I'm anticipating maybe 9 months of rent payments in case that matters.
Personal Finance Deals
g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
Google Nexus 7 Tablet (2013), 16GB officedepot.com $199
Added on : Tuesday December 24th 2013 08:00:08 PM
g: 0 Posted By: DaysFan
Views: 234 Replies: 0 Google Nexus 7 Tablet (2013), 16GB
http://www.officedepot.com/a/products/870743/Google-Nexus-7-Tablet-2013-16GB/

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Android Tablets Deals

Office Depot Coupons
Building Your Book for Kindle [Kindle Edition] free
Added on : Sunday December 22nd 2013 08:00:09 PM
g: 0 Posted By: ArtieLange
Views: 77 Replies: 0 Building Your Book for Kindle [Kindle Edition] free

http://www.amazon.com/Building-Your-Kindle-Direct-Publishing-ebook/dp/B007URVZJ6/ref=sr_1_56?s=digital-text&ie=UTF8&qid=1387780431&sr=1-56

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Stubhub.com 5% Rewards starts today, 12/21/13 thru 12/25/13
Added on : Saturday December 21st 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.stubhub.com/
http://www.stubhub.com/promotions/scratch/common/gc_fr.jpg


The 5% rewards promotion period starts on December 20, 2013 12:00 AM PST and ends on December 25, 2013 11:59 PM PST
Must be enrolled in StubHub Fan Rewards prior to purchase.
Offer applies only to gift certificates purchased on stubhub.com to receive the 5% in rewards. Other event purchases will earn rewards at the standard rate for your level of membership.
Offer only applies to gift certificates purchased in the same order and cannot be combined with other offers, discounts, promotions or gift certificates.
Offer does not apply to previous gift certificate purchases.
Offer is non-transferable, void where prohibited, not redeemable for cash and has no face value.


Except as set out above, all other terms and conditions of the StubHub Fan Rewards program apply to this promotion. Promotion is subject to change without notice.
These are the StubHub Fan Rewards Program Terms & Conditions ("Program Terms"). These Program Terms are effective on September 16, 2013, or upon acceptance for all eligible StubHub users who have successfully registered for the Program.StubHub Fan Rewards Program Terms & ConditionsThe StubHub Fan Rewards Program ("Program") is designed to reward StubHub users for purchasing tickets on www.stubhub.com. Eligible Participants will receive Rewards based on a percentage of their Eligible Purchase or through other promotional offers and have an opportunity to redeem Rewards in accordance with the following Terms and Conditions:

Eligible Participants. An "Eligible Participant" means a StubHub user who meets, and continues to meet during participation in the Program, the following criteria:

1.1 Is a registered member of www.stubhub.com with a StubHub account in good standing (no hold or suspension) and is a legal U.S. or Canadian (excluding Quebec) resident who has reached the age of majority or older in their jurisdiction of residence, with a U.S. or Canadian (excluding Quebec) registration address tied to his/her StubHub account;
1.2 Accepts these Program Terms;
1.3 Receives confirmation of registration in the Program from StubHub;
1.4 Has not been previously terminated from participation in the Program by StubHub.

Earn Rewards Toward Rewards FanCodes. The Program allows Eligible Participants to earn Rewards on every Eligible Purchase they make on www.stubhub.com. These Rewards will then be converted into a Rewards FanCode when the Eligible Participant accrues $10 in Rewards.

2.1 Eligible Purchase. "Eligible Purchase" means a purchase made by an Eligible Participant that meets the following criteria:

2.1.1 The Eligible Participant purchased tickets, gift certificates, parking passes, hospitality, packages, and service and delivery fees after confirmation of Program registration on www.stubhub.com.
2.1.2 StubHub has verified delivery of the purchase via a courier, the ticket is available for download on PDF/email format, or Last Minute Services (LMS) has confirmed ticket pick-up (collectively, "Verified Delivery").
2.1.3 The amount of an Eligible Purchase does not include any gift certificate redemption, Customer Service credit, any FanCodes, whether issued as Rewards under this Program or through other StubHub channels, partial refunds, free items, purchases that fail to comply with applicable StubHub Terms and Conditions, past purchases, and non-shipped, undeliverable or returned items.
2.1.4 For canceled orders and refunds, StubHub will reduce an Eligible Participant's Rewards balance (even if the purchase was returned or refunded after the Eligible Participant already redeemed Rewards for such item) and this may result in a negative Rewards balance. StubHub reserves the right to place a hold or suspend an Eligible Participant's StubHub Fan Rewards account in the Program if the Negative Rewards Balance is not reversed within 6 months.

2.2 Rewards. "Rewards" means a U.S. dollar amount which may become redeemable in the form of a Rewards FanCode (see Section 2.3 below) attributed to the Eligible Participant's StubHub account. Rewards will be calculated as follows:

2.2.1 Once StubHub receives Verified Delivery of an Eligible Purchase, it will issue Rewards based on the Eligible Participant's membership status to the Eligible Participant within 72 hours. The Rewards earned will be displayed on the Eligible Participant's "Rewards Summary" within "My Account".

2.2.1.1 Star Status. "Star" is the status designated to an Eligible Participant who completes fewer than 10 purchases or spends less than $2,000 in a calendar year. Eligible Participants at this status will earn Rewards at the rate of 2% on the amount of their Eligible Purchases. When an Eligible Participant enrolls in the Rewards Program, they will automatically be set at Star status.
2.2.1.2 Superstar Status. "Superstar" is the status designated to an Eligible Participant who completes 10 or more purchases or spends $2,000 or more between January 1, 12:00 am PST, and December 31, 11:59 pm PST, of each calendar year. Eligible Participants at this status will earn Rewards at the rate of 3% on Eligible Purchases. Once an Eligible Participant achieves Superstar status, their Superstar benefits begin immediately upon qualification in the current calendar year through December 31, 11:59 pm PST, of the following calendar year. For example, if an Eligible Participant makes their 10th Eligible Purchase for the calendar year on August 1, 2011, their Superstar status will begin on August 1, 2011 and remain intact through December 31, 2012. Eligible participants with Superstar status may also receive additional benefits at StubHub's sole discretion.


2.3 Rewards FanCode. "Rewards FanCode" means an electronic certificate that is awarded to an Eligible Participant after the Eligible Participant earns $10 in Rewards.

2.3.1 StubHub will endeavor to issue an Eligible Participant a Rewards FanCode within 72 hours after an Eligible Participant has earned $10 in Rewards, but StubHub may take longer to issue a Rewards FanCode. StubHub reserves the right to withhold issuance of a Rewards FanCode if StubHub is investigating an Eligible Participant's compliance with these Program Terms or any other of its policies.
2.3.2 Any earned Rewards FanCode, including its expiration date, will be displayed in the StubHub Fan Rewards section of My Account and on the Rewards summary page. You will also see any unused, unexpired Rewards FanCode in the checkout flow when you make a purchase.


Rewards FanCode Redemption. An Eligible Participant may redeem any Rewards FanCodes issued by StubHub in accordance with the following requirements:

3.1 The Rewards FanCode is valid and redeemable by an Eligible Participant for six (6) months after StubHub issues the Rewards FanCode.
3.2 Rewards FanCodes may only be redeemed on www.stubhub.com.
3.3 An unused or partially used Rewards FanCode is forfeited when the Rewards FanCode expires.
3.4 Rewards FanCodes may be redeemed together, unless StubHub specifies otherwise.
3.5 To use a Rewards FanCode, the Eligible Participant must place an order before the expiration of the Rewards FanCode. During checkout, the Eligible Participant must select the checkbox for the Rewards FanCode they want to use.
3.6 The Rewards FanCode will be applied to the total purchase price and any unused amount remaining on a Rewards FanCode, if any, will continue to be available to the Eligible Participant until that Rewards FanCode expires.

Restrictions

4.1 Rewards Restrictions

4.1.1 Expiration of earned rewards. Rewards totaling less than $10 that have not been converted into Rewards FanCodes are forfeited if the Eligible Participant cancels their membership in the Program, the Eligible Participant's StubHub account is terminated or suspended, StubHub terminates the Program or the Eligible Participant's participation in the Program, or the Eligible Participant has not made an Eligible Purchase on www.stubhub.com within 12 months.
4.1.2 Earning limits per transaction. Subject to these Program Terms, there is no limit to the total Rewards an Eligible Participant may earn for each Eligible Purchase transaction or in a calendar year.
4.1.3 Rewards may only be earned on Eligible Purchases made on www.stubhub.com.
4.1.4 Rewards may only be earned on one StubHub account per Eligible Participant, regardless of the number of StubHub accounts used by such Eligible Participant.
4.1.5 Rewards will be tied to the StubHub account of the Eligible Participant and Rewards cannot be combined across any other StubHub accounts.
4.1.6 StubHub reserves the right to hold back or otherwise suspend Rewards after purchase in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards may not be earned or may be removed from the Eligible Participant's account during StubHub's investigation.
4.1.7 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards after posting.
4.1.8 If an order is canceled, the Rewards earned for that purchase will be deducted. If the order resulted in a Rewards FanCode, the Rewards FanCode will be voided if unused. If the Rewards FanCode has been used, the Rewards deducted may result in a negative Rewards balance.
4.1.9 If an Eligible Participant cancels their membership in the Program with a negative Rewards balance in their account and subsequently decides to rejoin the Program, the negative Rewards balance will remain.

4.2 Rewards FanCode Restrictions

4.2.1 Rewards FanCodes are not transferable, have no cash value and cannot be redeemed for cash. Rewards FanCodes will be cancelled and become null and void if sold, purchased or transferred, whether for value or not, except as expressly provided in these Program Terms.
4.2.2 Rewards FanCodes cannot be used retroactively for prior purchases.
4.2.3 Rewards FanCodes cannot be used to purchase gift certificates.
4.2.4 Rewards FanCodes can only be applied during online checkout, and cannot be applied retroactively by LMS or StubHub Customer Service.
4.2.5 StubHub reserves the right to hold back or otherwise suspend Rewards FanCodes in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards FanCodes may not be redeemed during StubHub's investigation.
4.2.6 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards FanCodes after posting.
4.2.7 Unredeemed Rewards FanCodes are not forfeited if the Eligible Participant cancels membership. However, these Rewards FanCodes may be forfeited if StubHub terminates the Eligible Participant's membership or terminates the Program.
4.2.8 If an Eligible Participant uses the Rewards FanCode towards the purchase of an item that is later refunded or credited, StubHub will credit back and reissue to the Eligible Participant the Rewards FanCode used on the refunded item with its original expiration date. If the FanCode's original expiration date has passed or is less than 30 days away from the date of reissuance, StubHub will issue the FanCode with a new expiration date of 30 days from the date of reissuance.


Other Terms and Conditions.

5.1 Modification and Termination.

5.1.1 StubHub reserves the right to modify or terminate this Program, in whole or in part, at any time by posting amended terms or a termination notice on the Eligible Participant's "Rewards Summary" section within "My Account", by sending an email notice to the email addresses tied to the Eligible Participant's StubHub accounts, or by any other means it deems sufficient ("Notice"). Except where stated otherwise by StubHub or as required by applicable law, all amended terms will be effective three (3) days after Notice. If any modification is unacceptable to you, your only recourse is to cancel membership of the Program by going to the StubHub Fan Rewards page, clicking "Cancel Membership" and then clicking "I'm sure" to confirm your cancellation. Without limiting the foregoing, StubHub may suspend an Eligible Participant's participation in the Program indefinitely to investigate potential violations of StubHub's policies without prior notice to the Eligible Participant. If StubHub in its sole discretion believes an Eligible Participant has or is using existing StubHub accounts or creating new accounts in order to circumvent or undermine these Program Terms, or is otherwise engaging in any activity not in keeping with the letter and/or spirit of the Program and these Program Terms, as interpreted by StubHub in its sole and absolute discretion, StubHub reserves the right to terminate the Eligible Participant's participation from the Program and their StubHub account.
5.1.2 To cancel membership in the Program, please go to the StubHub Fan Rewards Page under My Account and click the link "Cancel Membership". By cancelling, you forfeit all accumulated Rewards.

5.2 Other Restrictions. The Program is void where prohibited. All Rewards and Rewards FanCodes are subject to verification at any time. StubHub reserves the right, in its sole and absolute discretion, to invalidate any Rewards or Rewards FanCodes it deems to have been awarded in error, or as the result of any fraudulent activity, or any activity not in keeping with the letter and/or spirit of these Program Terms, as interpreted by StubHub in its sole and absolute discretion.
5.3 Combination with Other Programs. Rewards FanCodes may be redeemed with Gift Certificates, Discounts, Other Rewards FanCodes, and Customer Service credits as may be permitted by StubHub in its sole and absolute discretion. StubHub reserves the right to disallow the combination of certain Rewards FanCodes with any of the above listed or any other promotions it may offer from time to time.
5.4 Promotions. StubHub may in its sole and absolute discretion and from time to time, offer supplementary programs, rewards, benefits or promotions related to the Program. These Program Terms shall apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise.
5.5 Limitation of Liability. TO THE EXTENT PERMITTED BY LAW, STUBHUB, INC. ("STUBHUB") STUBHUB SHALL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, INJURY, LOSS OR DAMAGE OF ANY KIND, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, RESULTING FROM THE PROGRAM. THIS LIMITATION OF LIABILITY IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, INCOME, OR PROFIT; LOSS OR DAMAGE TO PROPERTY; AND CLAIMS OF THIRD PARTIES. ELIGIBLE PARTICIPANTS OF THE PROGRAM AGREE THAT STUBHUB HAS NOT MADE NOR IS IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION, OR GUARANTEE, STATUTORY, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE), IN FACT OR IN LAW, RELATIVE TO THE PROGRAM. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STUBHUB DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO WWW.STUBHUB.COM OR THE PROGRAM, AND STUBHUB SHALL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS RELATED THERETO. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. StubHub is not responsible for printing or typographical errors in any Program related materials; for stolen, lost, late, misdirected purchases; or for transactions and/or emails that are lost, misdirected, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, human or other error; or for electronic, computer, or telephonic malfunction or error, including inability to access any web site associated with the Program, or process any transaction thereon. If in StubHub's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Program, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Program, StubHub reserves the right at its sole discretion to disqualify any individual connected therewith, to modify or suspend the Program, or to terminate the Program. In all matters relating to the interpretation and application of any rule or phase of this Program, the decision of StubHub shall be final. StubHub reserves the right to cancel, amend or revoke the Program or any portion thereof at any time due to business considerations or circumstances beyond its control. Any attempt by an Eligible Participant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Program is a violation of criminal and civil laws and should such an attempt be made, StubHub reserves the right to revoke any Rewards or Rewards FanCodes, and seek damages and other remedies from any such person to the fullest extent permitted by law. Any attempts by an individual to access any web site associated with the Program via a bot script or other brute force attack or any other unauthorized means may in the sole and absolute discretion of StubHub will result in the IP address becoming ineligible. Use of automated devices or programs to access, accrue, or redeem any Program benefits is prohibited.
5.6 The waiver by StubHub of a breach of any provision of these Program Terms by an Eligible Participant or other individual shall not operate or be construed as a waiver of any other or subsequent or preceding breach by an Eligible Participant or other individual. No waiver by StubHub of any right under the Program shall be construed as a waiver of any other right. StubHub shall not be required to give notice to enforce strict adherence to all terms of the Program.
5.7 Governing Law. For purchases made at www.stubhub.com these Program Terms and the Program will be interpreted, construed and enforced, and governed in all aspects in accordance with the exclusive jurisdiction and laws of the state of California. Any cause of action arising under or relating to these Terms and Conditions will be brought exclusively in a court in San Francisco County, CA. Any claim or dispute arising under or relating to these Program Terms will be brought exclusively in a court in San Francisco, CA.
5.8 In the event that any provision in these Program Terms is determined to be invalid, illegal, or unenforceable, such determination shall not affect the validity and enforceability of any other remaining provisions of these Program Terms.
5.9 All Eligible Participant personal information will be subject to the StubHub Privacy Policy available at http://www.stubhub.com/privacy-policy/ as may be amended from time to time in accordance with its terms. Without limitation, Eligible Participant personal information may be used to administer the Program


Services Deals
The Elements: A Visual Exploration (for iPad): Free
Added on : Friday December 20th 2013 02:00:04 AM
g: 1 Posted By: bittul
Views: 191 Replies: 1 linky

Now compatible with iPad, iPhone and iPod Touch 5th Generation.

Of all the periodic table apps, there is only one which Stephen Fry described as Alone worth the price of an iPad!.
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Apps Deals
Free Kindle Book- Speaking of Jesus: The Art of Not-Evangelism (was $14.99)
Added on : Thursday December 19th 2013 06:00:03 AM
g: 0 Posted By: remick
Views: 132 Replies: 0 http://www.amazon.com/dp/B0052DYEUW

4.6 out of 5 stars(255 customer reviews)

Some of us fear moments when we need to defend our theology. Some of us seek them out. But we are seldom ready the way Jesus seemed to be ready. So how do we draw others to God in the midst of these ordinary conversations the way Jesus did?

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As Carl writes, While others are explaining and defending various isms and ologies were simply pointing people to our friend. The one who uncovers and disarms. Who leads people right to himself. The beginning and the end of the story. A good story indeed.
Books Deals

Amazon Coupons
Kohl's Free Shipping with Kohls Card Until 12/24/13
Added on : Thursday December 19th 2013 12:00:04 AM
g: -1 Posted By: tmcleid
Views: 249 Replies: 0 I would like to share this code for free shipping at Kohls.com no matter how much you spend it expires on 12/24/13 the code is ship4udec. I have used it 4 times in the last week and it has worked every time. Happy Shopping.
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Kohl's Coupons
Kohl's Free Shipping Until 12/24/13
Added on : Wednesday December 18th 2013 11:00:01 PM
g: 0 Posted By: tmcleid
Views: 2 Replies: 0 I would like to share this code for free shipping at Kohls.com no matter how much you spend it expires on 12/24/13 the code is ship4udec. I have used it 4 times in the last week and it has worked every time. Happy Shopping.
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Kohl's Coupons
Mario Kart 7 (3DS) - $29.96 at Walmart (S2S) or Amazon (FSSS Eligible)
Added on : Wednesday December 18th 2013 01:00:05 PM
g: 0 Posted By: heyyl0w
Views: 75 Replies: 0 Mario Kart 7 for the Nintendo 3DS is available for $29.96 at Amazon or WalMart. Typically sells for $40. All a matter of personal preference here.

At Amazon, it's FSSS and Prime eligible.

At Walmart, you can choose site-to-store for free.

Scored 9/10 at IGN. Metascore is 85.
3DS Games Deals

Amazon Coupons
Toy Story Playskool Mrs. Potato Head $6.39 (Reg $12.99) amazon
Added on : Wednesday December 18th 2013 07:00:03 AM
g: 0 Posted By: gizmo
Views: 189 Replies: 0 linkazonNOT an add-onHollywood has never seen a tater starlet like this before. Modeled after her character in the Toy Story movie, this CLASSIC MRS. POTATO HEAD figure comes with all of the accessories that helped make her a wild and wacky celebrity. Put her lips where an ear should be, put her eyes where her nose should be no matter what you do, shes still the same loveable spud. And when youre done, you can even put all of her accessories in her TATER TUSH storage compartment. Potato body comes with one pair of lips, one pair of eyes, two earrings, one purse, one hat, one flower, one pair of glasses, one pair of shoes, two ears, one nose and two arm accessories.
Toys Deals

Amazon Coupons
Mini Maglite Pro LED 226 lumens 2x AA 14.99
Added on : Monday December 16th 2013 03:00:03 PM
g: 0 Posted By: gbwooram
Views: 177 Replies: 0 I just got this mini maglite at AceHardware for $15 + tax. I think thats pretty good for a 226 Lumen flashlight

Goes for 20-25 on Amazon and eBay

Comes with batteries

http://www.acehardware.com/product/index.jsp?productId=23075116

Also got this mini AAA one for 9.99

http://www.acehardware.com/product/index.jsp?productId=23173246

Free ship to store

Black or grey

Says both are designed and manufactured in USA but may contain imported parts. If that matters to you
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g: 0 Posted By: DaysFan
Views: 181 Replies: 0 http://www.sears.com/8ft-braeburn-table-collection-with-bonus-table-tennis/p-006CO52655712B?prdNo=1&blockNo=1&blockType=G1

linked

$664.99


TWO BOX SET- REQUIRES PURCHASE OF BOTH BOXES FOR A COMPLETE TABLE.

Includes overhead lamp and conversion table tennis top



Real wood veneer top rails



35% wool blended felt cloth, tan color



K818 bumper rails



Ball and claw style leg design



Parlor style drop pockets



Includes all of the accessories needed to play



Assembled dimensions 96"L x 54"W x 31.5"H



Combined weight of both boxes: 443 lbs


MD Sports 8ft Braeburn Billiard Table w/ Table Tennis and Lamp (Box one of two- MUST PURCHASE BOTH ITEMS TO GET A COMPLETE TABLE)
Sears Item# 00601224000 | Model# 39608


Entertaining Gets Easier with This High Quality Billiard Table With Table Tennis Top Two exciting games in one space saving design. The Medal Sports 8ft Braeburn Billiard Table can also turn into a ping pong playground when you buy the table tennis top along with this table. With parlor style drop pockets and an elegant ball and claw leg design, this table sets the mood for a night of fun and bonding. The billiard table with table tennis top is a great way to outfit your rec room or basement for anytime gaming fun, no matter how the weather is outside. This set is professionally finished with a 35% wool blended felt cloth in neutral tan color and real wood veneer top rails complete its elegant look. Make a night of it polishing your skills and hanging out with friends; this table is an ice breaker


MD Sports 8ft Braeburn Billiard Table w/ Table Tennis and Lamp (Box two of two- MUST PURCHASE BOTH ITEMS TO GET A COMPLETE TABLE)
| Sears Item# 00601231000 | Model# 39609

MUST PURCHASE WITH ITEM #00601224000 FOR ENTIRE SETTWO BOX SET- REQUIRES PURCHASE OF BOTH BOXES FOR A COMPLETE TABLE. Includes overhead lamp and conversion table tennis top Real wood veneer top rails 35% wool blended felt cloth, tan color K818 bumper rails Ball and claw style leg design Parlor style drop pockets Includes all of the accessories needed to play Assembled dimensions 96"L x 54"W x 31.5"H Combined weight ofbothboxes:443 lbs

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Craftsman 6-in-1 LED Screwdriver from Sears $7.49
Added on : Sunday December 15th 2013 02:00:02 PM
g: 1 Posted By: ArtieLange
Views: 105 Replies: 0 http://www.sears.com/craftsman-6-in-1-screwdriver/p-00935722000P?prdNo=1&blockNo=1&blockType=G1

Craftsman 6-in-1 LED Screwdriver from Sears $7.49 free instore pickupThe 6-in-1 Aluminum Handle Lighted LED Screwdriver Includes 2 Phillips and 2 Slotted BladesWhen you don't want to bother carrying your whole tool chest, the Craftsman 6-in-1 Screwdriver may be the answer. Just stick it in your pocket and off you go. The handy lighted screwdriver comes with 2 steel bits, each containing a slotted and a Phillips steel tip (4 tips in all). The bits fit firmly into the shank and the shank snaps firmly into the handle giving this Craftsman tool a totally firm feel.

The 6-in-1 Screwdriver's stubby aluminum handle is a comfortable 4.5 inches and with molded grip panels is easy to grip. You won't drop this baby no matter how hard you need to twist it. At 7.5 oz. the 6-in-1 has plenty of heft and feels good in the hand. Turn the bit one way and you have a slotted screwdriver. Turn it the other way and it's a Phillips screwdriver. Like all Craftsman tools, the 6-in-1 comes with a lifetime warranty.

The Craftsman 6-in-1 Screwdriver is about as handy as a tool can be
The set includes 6 pieces: handle, shank, and two 2-sided bits, each with a slotted tip and a Phillips tip
Snap the bit into the shank and the shank into the handle for a sturdy tool
The black and red stubby, aluminum handle is 4.5" long and feels good in the hand
Overall the 6-in-1 is 7.5" long and weighs 7.5 oz.
The bits, tips and shank are heat-treated steel
Comes with a lifetime warranty

Tools Deals

Sears Coupons
health insurance solution?
Added on : Saturday December 14th 2013 03:00:06 PM
g: 0 Posted By: honorabledeadbeat
Views: 56 Replies: 1 Our insurance company dropped our coverage because our plan was "non-compliant" with Obamacare and our state regulator said they didn't have to grandfather/extend it.

A "Bronze" ACA plan would cost us $630/month without subsidies. I have no idea how much money I will make next year but I probably will not qualify for subsidies. Still, it is a nice feature of that plan to know that if you don't make any money, you get part of your health insurance paid for in the form of a tax credit!

That being said, my existing plan has the same deductible as a bronze ACA plan for HALF THE MONTHLY PREMIUM!

Anyway, my solution to obamacare is to prepay for temporary, non-obabacare health insurance for the first 3 months of the year, ($2 million per person coverage, $5k deductible) for only $250/month. Then in early March I'll sign up for Obamacare (afterall, they have to take us no matter what!). There's even a chance that obamacare implodes and more free market plans come online.

The key is to be off of temporary insurance when the open enrollment window closes. Only use it when it is open.

Can anyone find any faults to my plan? It will save me $1200 next year and theoretically be just as good as if I were covered all year by the Bronze plan.



Discussion Deals
g: 2 Posted By: remick
Views: 323 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.


also free at the time of posting

How to Rekindle an Unhappy Marriage: Overcome Resentment and Regain the Trust You Need (The Marriage Guide Series) [Kindle Edition]
http://www.amazon.com/gp/product/B00BBFR3N0

How to Get the Spark Back in Your Marriage - A Complete Guide for Women to get the Love back in Your Marriage(marriage counseling,marriage help) [Kindle Edition]
http://www.amazon.com/How-Spark-Back-Your-Marriage-ebook/dp/B00H6TF4KE

Making Your Differences Work for Your Marriage (Ebook Shorts) [Kindle Edition]
http://www.amazon.com/Making-Differences-Marriage-Ebook-Shorts-ebook/dp/B00CZALQ1K

How To Save Your Relationship... From Yourself: A Myth-Busting Guide To Successful Love [Kindle Edition]
http://www.amazon.com/gp/product/B00BXPURNQ

Books Deals

Amazon Coupons
Free Kindle Book- The Purpose and Power of Love & Marriage (was $15.99)
Added on : Saturday December 14th 2013 01:00:03 AM
g: 1 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Purpose-Power-Love-Marriage-ebook/dp/B0051GN8S4

4.9 out of 5 stars (21 customer reviews)

Probably no other dimension of human experience has been pondered, discussed, debated, analyzed, and dreamed about more than the nature of true love. Love is everywherein songs and in books, on televisions and on movie screens. Yet, for all of our thinking and talking, how many of us truly understand love and where can we turn for genuine insight in matters of true love? In The Purpose and Power of Love & Marriage, Dr. Myles Munroe provides the answers to questions surrounding the true nature of love as he also exposes the false images created in our culture. Throughout this book he eloquently illuminates the many facets of love while at the same time tackling the really tough subjects of separation and divorce. This book is sure to become a classic that will last for a lifetime and beyond as it responds gently and practically to those seeking to resolve the challenges of human relationships.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 241 Replies: 0 http://www.amazon.com/Healthy-Heal-Body-Recipes-LIFE-ebook/dp/B00GWU1MIQ

This book of recipes is for optimal healing. Your body is self-healing and self-regenerating and self-regulating. Nutrition is not taught in detail in Medical schools even though throughout time even the father of medicine Hippocrates said Let food be your medicine and medicine be your food and even older than that there is an Ayurvedic saying when diet is good medicine is of no need and when diet is poor medicine is of no good This book is to guide you on how your body metabolizes nutrients and prevent and even reverse disease in most cases.

I will present information to get the most out of the food you have available to where ever you live on our planet. Some places at some times of the year wont have fresh vegetables available so I will ask you to substitute fermented vegetables and show you how to prepare them. You may not have access to fresh coconuts or fresh spices I will always give you alternatives so no matter where you are or what you can afford you will always have cost effective healthy food choices for you and your family. I will also show you how to have healthy meals that even the pickiest child or adult will like.
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Amazon Coupons
HTC One (Refurb) for $312 (T-Mobile Web Offer Only)
Added on : Thursday December 12th 2013 07:00:05 PM
g: 0 Posted By: CheapToGo
Views: 326 Replies: 3 T-Mobile is offering a web-only deal on the HTC One (Glacial Silver) in a REFURBISHED condition. $312.
You can pay for it entirely or go along with their 24-month plan, although paying it off in any time period within the 24 months is also effective. As long as you pay for that full price then it does not matter within the 24-month stretch.
Great phone, great design, and great specs, even it is 1 flagship behind.

REFURBISHED HTC ONE


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45k i can't do anything with
Added on : Thursday December 12th 2013 05:00:13 AM
g: 0 Posted By: mmdino
Views: 30 Replies: 0 This is kinda long for a question, but I want to get the background down. Found the finance forum on google so I thought this would be a good place to ask because I can't ask local people or anything. Me and a friend were doing demo on a abandoned house about 10 years ago for close to minimum wage pay plus a written contract saying we could keep whatever we found like copper pipes that were still there, appliances, any furniture, etc. We demoed a wall and found plastic wrapped money. A contractor there that day said it was in our best interest to tun it into the police because it was probably drug money or from a robbery and if we tried to spend it we would be in a world of trouble. This made sense so we ended up bringing in the haul, didn't even open the plastic--- at this point we didn't even know how much it was. I guessed 10k at most. So we filled out a few forms and gave a statement, get a case num. Cop says we aren't getting the money back because it was clearly crime related.

So a few months goes by and my friend calls the police a few times but they basically say nothing has happened with the case. After a while he stops calling and about a year later he moves out of state for some job. We weren't super good friends, we basically met before the demo work and he asked if I wanted in on the job after he got hired so I lost touch and to be honest forgot about the money except when I saw movies and tv shows that had briefcases of the stuff.

Six years later Ron calls my mom and tells them to tell me to call him back as soon as possible. I was living with my mom when were demoing, now I'm in a different city and I had changed cell numbers a few times, I'm surprised he even had my mom's number but I call him back and he tells me the police are releasing the money back to us. I thought he was screwing around but he insisted they did. H wants to met up at the police station to pick it up because we both have to be there. I was positive it was some kinda prank, but he planned to drive back to the state that weekend and meet up at my place.

He shows up like he said and tells me there were no significant trace of drugs on the money and even though a bunch of it was sequential they couldn't trace any of serial numbers on the money to a crime. So then he tells me its a little over 90k in cash. I couldn't believe it, and honestly wasn't going to believe it until I saw it. He says they tried to contact previous owners but there were condos on the property now and the bank had taken possession then sold to contractors and never could get in contact with whoever had th house. Next day we drive to the police station and after a long wait they bring out a cardboard box from evidence with all the money stacked up and in zip bags with amounts written on them. So we sign off on the stuff then the police are like you can't take our box, so they give us some trash bags to separate it out which I thought was ridiculous and felt weird and stupid to be carrying trash bag of money but luckily we separated it out in the back so people didn't see us.

So my friend leaves to drive back home, we didn't even want to stop for a drink anywhere we just wanted to get the money elsewhere safe. My bank is closed so I take it home and stuff it in a box in my closet and then pretty much can't sleep. I call in sick on sun and go to the bank right at 8 mon complete with my trashbac of money. I tel the teller what i have and she has like this freaked out look and says she has to get the supervisor. He has me come in to a office and asks me where I go the money and I tell him the above and he really doesn't buy it, I can tell. So we all take a look at the money, which is still in police plastic bags and he figures out most of it is sequential numbers, and none of have security strips because they are before whenever they added those and tells me he won't accept it. I'm like what do I do with it, and he just shrugs at me like it is no big deal. wtf. So I take this stuff home and sort through it and like a it is split into three groups of serials on 100s and then maybe 1k of random numbers. There is over five hundred in smaller bills which I take out.

I end up taking it to another rbranh and it turns out the other bank flagged my account and warned them not to take any large sums of cash from me. I ended up arguing with the bank manager at the second place and he tells me if the police will vouch for the money they will deposit. I call the police and not only will they not vouch for it, but they don't even want to talk to me about it. Open a new account somewhere else right. No one will take it. Sequential bills, no security strips. I even mixed up the 100s and after it took them forever to count it all they come back and tell me it is sequential. In fact one bank tells me there only has to be 5% sequential for that sum and they won't be able to take it. This is nuts right. So I go to my original bank and get a safety deposit box and dump most of it in there. Meahnwhile I think I can just spend it as needed but places won't even take them, no security strip they don't even care if it is legal, two places call the cops on me and I have to sit around while they look up the case number and everything. I manage to break one of the 100 at a fancy restaurant and that is it.

Finally I call Ron up a few weeks later and he says he is having the same problem and even tried to cash in at the casino but they wouldn't. He said he has put one or two in an ATM deposit but he didn't think he could keep doing that and doesn't know how long it would take for them to reject them through that system so he was waiting to do more. He has been able to deposit one or two in a new account each week and now one has said anything but he thinks is only a matter of time. A month later I can't even get ahold of him and he won't return my calls, and I'm wondering if he got arrested or his state was better able to trace the money to something or what. So now I'm afraid if I take it out of state or even out of the general area i'm could be a world of trouble. I was thinking I could buy a car from a private seller and then sell it but that would just get the buyer in the same place I am or worse. One drunk night I actually burned one of the hundreds just because. It was funny at the time but the next day I felt awful. I don't even know how much exactly I have because I haven't had the nerve to go to the bank and just sit there and count it all.

So what do I do with this money? I don't want to ask friends because I just think someone is going to rob me or something because who knows who they tell. My mom doesn't even know the whole story because I think she's gonna tell people too so all she knows is I got some cash from the police after a demo job. I have gotten rid of all the smaller bills and some of the 100 that were new enough to have strips in them but thats not even close to the total amount. Please help and sorry for the length.
What price should I aim for on a 2014 Subaru Outback
Added on : Monday December 09th 2013 03:00:10 PM
g: 0 Posted By: pwdbyamd
Views: 1 Replies: 0 Pretty straighforward question. I don't know how FWers determine what they should pay for a car. I am looking to buy a new 2014 Outback 2.5i Limited Version with leather seats, moonroof (no navigation). The local dealer has it listed for $32,000. My instinct is to shoot for around $27,500k. Not sure if that is even realistic.

(1) I am not in a rush to buy and have NO problem walking away. At the same time, I don't want to walk in with an unrealistic approach. If I come in with an unrealistic approach, I will never get the car no matter how many times I try.
(2) I will get financing through PenFed (1.5% I think) and plan to walk in with financing in hand.


Side question: This is for my wife. She views the Kia Sorento as very luxurious inside and the Outback as plain. While she loves the Sorrento, my research was that Kia doesn't hold value and is a bad buy for that reason. I would love to see her get the Kia b/c she likes it so much. Am I misguided about avoiding Kia b/c of how it holds value?
Need help in sorting out the direct deposit mess!
Added on : Monday December 09th 2013 04:00:09 AM
g: 0 Posted By: JuNooNi
Views: 15 Replies: 0 I need some help/directions on how to resolve this issue with my SIL. This has been going on for almost 9 months and there is no end in sight. Here is the story in her words:

Long story:

It's all started back in March, 2013, when I provided my bank account number to my boss to have my checks direct deposited into my bank account. I only gave him the account number (XXXXXXXX) and he completed the form. I waited and waited for my checks to arrive, but found out after two month that my checks never made it to my account. There were about 8 checks. After calling my employer's payroll department and visiting my local bank branch back and forth, I was told that my account number was not written correctly on my direct deposit form therefore my bank has to send those checks back to my employer in order for my employer to reissue them to me. After waiting at last 2 more months, I was able to get four of my checks back in July/August or so. For the other four checks, I'm still in the process of calling and visiting continuously to my employer and to the bank, but seems like no one really care anymore. In September, Bank told me to ask my employer to request the reversal of those checks, and the employer says they cannot do reversal now as so many months have past. I was again in contact with the bank manager (who was quite helpful) and according to him, my checks were deposited into a wrong bank account number that my employer provided, but only ACH department (i.e direct depositing department of the bank) can fix it. When I called ACH, they said they don't see any credit to my account or to the wrong account number, therefore they are unable to do anything further about it.

I kept calling my employer and they gave me the same answer over and over again. However in October, my employer asked me to get a letter from bank and send it to my employer's field office. Bank manager gave me a letter (explaining the matter) and I sent the letter to the address provided by my employer in a hope that they might take the matter further. In November, I called the field office asking if they have received the letter I sent, they told me they did not. Finally I had to go to the field office myself to hand deliver the letter. I have been calling them ever since asking about the status of my request, but seems like they are not working hard enough to resolve this matter and as a matter of fact, during my last call that I made to them last week, the lady told me it has been too long therefore they are unable to take any action about it. I told her that I have been calling since day one and how come no one took action earlier. The dates of my checks that are missing are as follows: 3/5, 3/12, 3/20, and 4/17.

As of December, 2013, it has been nine months and yet no one seems to care about or do any kind of investigation/ search about my earnings of full month of hard work including overtime, which is a lot considering I'm a single mother of two and not to mention, nine months of calling my employer (where wait time for answering calls is 30 minutes or more) and visiting local branch of my bank etc, all adding up to countless hours of wasting my precious time and energy and my overall well being. I am still short to pay my bills and rent every month because of this income gap. I simply ask someone to resolve this matter or provide a solution, as I'm so much exhausted now. Someone, either bank or my employer has my money and I demand them to take care of their businesses properly so people like me with honest earnings won't get hurt because of the mistakes others make.

Shorter version:

1- SIL gave her bank account # to her Manager for enrolling in direct deposit.
2- Waited couple of months but the checks (8 of them) never made it to the bank.
3- Finally found out that the her supervisor made a mistake in entering the bank account # on her direct deposit enrollment form.
4- Was told that her bank needs to send the checks back to her company which then can be reissued to my SIL.
5-Got her 4 (out of total 8) checks after going back and forth between bank and payroll.
6-As for the remaining 4 checks, still no resolution in sight after going back and forth between bank and payroll dept and wasting several hours over the phone and in person.

I am advising her to file a complaint to CFPB. Any other ideas?
Estranged wife making medical and financial decisions for dying husband
Added on : Monday December 09th 2013 04:00:09 AM
g: 4 Posted By: Herb
Views: 520 Replies: 2 My father in law recently had a cardiac arrest and is currently in a coma and not expected to survive. His current wife and him were estranged prior to this and divorce proceedings have been filed although nothing has been finalized. He is survived by three adult children, none of whom are related to the current wife. Despite the estrangement, his current wife is representing herself as the primary decision maker in all matters, both medical and financial. The children and his wife have serious differences of opinion. I guess I have two major questions:

1. Is the wife legally correct that she is the sole medical decision maker, even though they are estranged and had filed for divorce? Are there legal grounds for them to contest this? As far as I know, he never completed an advanced directive or durable power of attorney document. My wife and her family would like to pursue hospice but her Dad's wife is talking about a tracheostomy and continuation of aggressive care.
2. Does the pending divorce make any difference in the division of the estate? My father in law left no will. We assume the community property will be hers but are worried that she will rightfully claim all separate property as well.

Of course we have an appointment with an attorney tomorrow but I wanted to see if I could get any further insight into a messed up situation. This is in California by the way, which likely matters a lot. Thanks in advance for your time.

Edited to change title
Question Deals
Probate Question
Added on : Sunday December 08th 2013 04:00:07 PM
g: 0 Posted By: Herb
Views: 11 Replies: 0 My father in law recently had a cardiac arrest and is currently in a coma and not expected to survive. His current wife and him were estranged prior to this and divorce proceedings have been filed although nothing has been finalized. He is survived by three adult children, none of whom are related to the current wife. Despite the estrangement, his current wife is representing herself as the primary decision maker in all matters, both medical and financial. The children and his wife have serious differences of opinion. I guess I have two major questions:

1. Is the wife legally correct that she is the sole medical decision maker, even though they are estranged and had filed for divorce? Are there legal grounds for them to contest this? As far as I know, he never completed an advanced directive or durable power of attorney document. My wife and her family would like to pursue hospice but her Dad's wife is talking about a tracheostomy and continuation of aggressive care.
2. Does the pending divorce make any difference in the division of the estate? My father in law left no will. We assume the community property will be hers but are worried that she will rightfully claim all separate property as well.

Of course we have an appointment with an attorney tomorrow but I wanted to see if I could get any further insight into a messed up situation. This is in California by the way, which likely matters a lot. Thanks in advance for your time.
Question Deals
g: 1 Posted By: remick
Views: 105 Replies: 0 http://www.amazon.com/Heal-Your-Essences-Janine-Thorp-ebook/dp/B00F3KCZ5A

This book gives you an innovative approach to healing your life, and to moving out of pain and into freedom. It describes how you can connect with these unique channelled essences to give you access to their frequencies, and gives you a step-by-step guide to how they can help you to move through and clear any issue that is going on for you in your life.

This book is for anyone who would love to have a simple self-supporting system that they can use whenever they want to, that can help in every area of their life, and for anyone who just enjoys exploring and expanding their awareness and consciousness of who they really are.


Also free at the time of posting:

Life Can Be a Miracle [Kindle Edition]
http://www.amazon.com/Life-Can-Miracle-Ivinela-Samuilova-ebook/d...

'Life Can Be a Miracle' is possibly the most unexpected course in miracles (in a novel) you may encounter. The book comes from one of the enigmatic parts of the world: the Balkans, and particularly from the oldest and rather mysterious country there, Bulgaria. Like the unique asymmetric rhythms of Bulgarian music that astonish Western even temperament, the approach to reality this book offers may shake up your structured, algorithmic and perhaps boring or ineffective approach to life. 'Life Can Be a Miracle' brings an unusually optimistic breath of fresh air, as warm as a Balkan summer, to our way of perceiving reality. This is the right book for readers who want a fresh take on reality, who do not take themselves too seriously and who would like to explore new and different ways to relate to themselves and to the world -- not as alien and hostile subjects, but rather as allies who share and exchange extraordinary resources in surprising ways. How can a tiny piece of blue cheese lead you to your ultimate life purpose, removing all the barriers you have built against a joyful, fulfilled, miraculous life? This and many more incredibly fun and easy-to-apply techniques can be found in this fascinating, original and inspiring novel.


Pathways To Paradise: 12 Selective Principles for Building Long-Term Success and Personal Development [Kindle Edition]
http://www.amazon.com/Pathways-Paradise-Selective-Principles-Development-ebook/dp/B00GF64N92

Scott Allan's Pathways to Paradise introduces twelve strategic principles for building long-term success and personal achievement. The topics cover a wide range of concepts from mastering self-discipline to building a goals portfolio; priority action planning to constructing the Master Dream for your life. The principles featured in this book can be applied today to create the success you have always dreamed of having.
Designed to empower and motivate you to reach higher levels of effectiveness and success, Pathways to Paradise cultivates a blend of modern day philosophy with straightforward practical advice to help you achieve success in your personal and professional life.

In this book you will learn to:

Define your lifes purpose
Deal with the trauma of past events
Cultivate self-discipline into your daily life
Handle failure more effectively
Create a system of motivating goals
Achieve your dreams through defining the Master Dream
Organize your daily life through establish priority tasks
Improve your saving and spending habits
Learn to eat better and live a healthier lifestyle


The Universe Doesn't Give a Flying F***k About You (Epic series) [Kindle Edition]
http://www.amazon.com/Universe-Doesnt-Flying-About-ebook/dp/B005...

If you walk around every day on eggshells, nervous about making a mistake or looking stupid, then you should read this.
If you have a "next big thing" in mind you want to do because you know it will be awesome (starting the business, making the big move, launching the nonprofit, writing the book) but are afraid of doing what it would take to make that thing happen, then you should read this.
The universe is very big. You are very small. In fact, you're so small and so insignificant in the big picture that you don't even register to the eye of the cosmos. The universe was here before you were born and will be here long after you're gone, and your life is but a blip on its vast, vast radar. If your life is to matter, it's not going to matter to the universe. It's up to you make your life matter in the only way you can: by doing things that make a difference to you, to those around you, and to those whose lives you touch. Time is short. You have exactly NOW to do whatever it is you're here to do, or to let the inexorable passage of hours and days and years kill your potential like fruit left to die on a vine.
The universe doesnt hate you, but it doesnt love you, either. Youre just an atom in its infinite workings. The universe doesnt care if you live, die, suffer, or thrive. Whatever your life here will mean is up to you.
Stop worrying so much about what others think and start being who you're supposed to be. It's time to do some epic shit.


The Heart of Abundance: A Simple Guide to Appreciating and Enjoying Life [Kindle Edition]
http://www.amazon.com/The-Heart-Abundance-Appreciating-ebook/dp/B00472O6I4

The Heart of Abundance is a free best of collection. Discover more abundance, encouragement, and simplicity in your life. Quotes, meditations, prayers, and instant inspiration help you create a life you enjoy and enjoy the life you have. New second edition features additional excerpts and material from new books by Candy Paull.
This inspirational guide reminds you that life can be good, no matter what challenges you may be facing right now. Be present, see the divine at work in all circumstances, and experience ordinary life as sacred. Learn to practice the art of abundance as a form of spiritual awareness based in gratitude.


How to Make Great Things Happen in YOUR LIFE - A sincere and proven approach to lasting happiness and success [Kindle Edition]
http://www.amazon.com/Make-Great-Things-Happen-ebook/dp/B00AVRI09A

What are great things in life? Money? Good health? Good relationships? Happiness? Yes, of course. And this book is about these topics. But what if the next global financial crisis makes your job and your money disappear? What if you are no longer as healthy as you would like to be? What if an important relationship becomes complicated? What if happiness seems a distant memory? In other words: what if these things turn against you? And what if as a consequence you think the whole world is against you? What then?
This book invites you to a journey that has a lot to do with the way you see and live your life: the way you think about life and the world you live in. After that journey if you took your time and paid attention nothing will be the same. Great things will happen in your life BECAUSE YOU MAKE THEM HAPPEN. Enjoy the trip!
The book also contains information about how readers who are interested in how to lose weight after all else has failed, can obtain a free preview copy of the author's new book "Quit the Club of Overeaters"


Books Deals

Amazon Coupons
Craftsman 19.2 Volt 5 pc. C3 Combo Kit $199.99
Added on : Tuesday December 03rd 2013 09:00:05 AM
g: 0 Posted By: Bob18
Views: 114 Replies: 0 ~~
Sold by: SearsRegular price $259.99
Your savings -$60.00$199.99http://www.sears.com/shc/s/p_10153_12605_00911445000P? Buy
~~
Description Item # 00911445000P Model # 11445Craftsman 5 Piece C3 Combo Kit: Powerful and Portable
With a pair of potent 19.2 volt batteries this Craftsman Combo Kit powers through tough jobs, swaps between tasks quickly and packs up fast. Ever ready, this tool set delivers precise cuts, tons of torque and even light to help you get the job done right, no matter where youre working. A solid addition to any jobsite or home shop, this set packs the punch you need to stay on schedule.Featuring not only a drill, but a powerful impact driver, this kit delivers a hammering action that sinks screws, bolts and more while extending the life of each battery. And when youre taking down framework, cutting holes for plumbing and electrical, the powerful reciprocating saw makes short work of nail loaded studs and wall paneling...
Tools Deals

Sears Coupons
Power of Attorney - which documents?
Added on : Monday December 02nd 2013 12:00:14 PM
g: 0 Posted By: Muscle
Views: 89 Replies: 1 Hi,

I need to get a power of attorney document that will be filled out and notarized. I did some research and found various forms for a state - all from government websites. Does it matter which form it is or what agency it's from? Additionally, are forms from RocketLawyer, etc. enforceable/complete or a waste of money? Finally, if a PoA is needed in 2 states/counties, does it need to be filled out in both states/counties or is a PoA from one state valid at a later date in another state? Specifically, the PoA in the first state may be prior to mental incapacitation, but the PoA in the second state (to be done later) may already be post-incapacitation.

TIA
Personal Finance Deals
Extended car warranty worth it?
Added on : Monday December 02nd 2013 05:00:21 AM
g: 0 Posted By: jetsfan92588
Views: 88 Replies: 2 I just bought a Lexus 07 GS 350 AWD with 112k miles. I was wondering whether it was a good idea to purchase an extended warranty from a 3rd party and if any are reputable. I have a lifetime warranty on alignment if that matters (previous owner received warranty with repair work done).

I received a quote from American Guardian for $2400 for 5 yrs, 100k miles with $100 per visit deductible.
General Economics Deals
up to 50% and Free Shipping Rite Aid
Added on : Sunday December 01st 2013 08:00:10 PM
g: 0 Posted By: imagine1128
Views: 67 Replies: 0 =13.333333015441895pxGet an early start on yourhttps://www.facebook.com/hashtag/cybermonday?source=feed_text&ft[tn]=*NK&ft[type]=104&ft[qid]=5952676824098663247&ft[mf_story_key]=1378985407561428368&ft[ei]=AQJpdL6wpVtH9hub02Fb0K6SsR9wEgMe1WTez3F_IgMXU6-vjgKRMmNIeDubLgRnmt8o9Ra3Ym44ZXVrsXleYyZtX1nhq50czu-OADsTmVHR4QPsvmeraShTuNpvYq3pg3sxPJR8k7EC0UtCYREKwgGeRDTR5fFpt9q94MWtgYYDO1DRm6TXgK_MALJjTQDFcGsHuq7nx8_gbeu3L9fXuCUlwJ1m3o9iv1hYccwQ6ac5TYQU8rZQy-X5Sj2HajQ7R8qiujbWZj1NgjC75dL9KfCClEaCh1Mu0p75S3cu7rDenAmM_JePayQ2c4K1uyX-DBs3CH8GeVJ3JyGQiKD1lKSyFdU6yl0Y2ZfH1-pYIX3zf2B1O8MBzWATfMwiv7Ro37oZM235-PClxvkb5kobUdL8cSh_NTStD-iWgTv7sOiPFN5Mwk-ZwCOCaedCvzAxDRG3jinHzwmdFYddhAlM8oy35NiY5MItftSbEpLiNHRxZsS5nwEEXQ7_GdMYjZ05tkbPd3wC41lmuwOXr4XOM6wXtNCnSey6ygPposCj8DwT-pLS4hMCDh9VZRlPjM9A7KqycQV_q9Np4t3ANDwuDDAbGq8yQWoSbxb8R-uo70KdOEuIr93vh_xtXMt-k16Qpnt2UsA4Ph337EJnnWuWVpzBBL-vUKnXFgJk-HnzJPAEQLeq8NgpKUsNu3alRnKbWrCPVt9MatyEplosQVkMqULJ5WEuf8eFsinWaATpgvoI_uoeh4-6JB0teTdsbn7HNfCEoxjhRs4On9L2jAIcDcyi1zBtFeehq25TZJz7utLjaBmRtbTLZFjvM5YDi46kblidPUfvGGiDbDk0DhfYzrayf4w24eh1r7nv9he8dGF5n4OLdJ_gIfdTIxOF2lP2NPnpsQs3m_oimysogC9cXO7Z6tL-F0KaTY5w3pEfK5u8QA4gXi--5xxSA-GyYmKXaznaMcTO2HJOJLsCmQ7LnLUYUo_My47JYSeh19l0jP2BIRttV1F2V8xnLMixwHcScqZoyF4rjwLzoUFFWcJLNbtlnc1P7cxihuEcHjxNmRV_K_AeWnAohm_itm0HDD00qJQ1Ko21QMMtKXg67lNTVNaOCdxXUIbi6PjfJFxv8mpLxXt5jKnFakBAEGdV1x6E2ZfxO8xhKhmNtaqqUWh7I1_kPUN6T6Lhro3kT19gM-0eJ_rZwpSoPbEer9foVwAf6yH152AYs5N-u6d2SsLdY2sJtLsr17AbeMCttq85bjnhYYWPM8_1JBl51MITec6E6gwwFUFODNVLP2-0Qoofx4DK9t_0Gp5tV2Mj88zw_suv8ole0ruCgatepm6Ks17zbSRL-PmQS_N5u_Udxdf-feL5LifI1aGzukgF5BAkOAuvyplqVhArSXawdKEv8A86mLy25qdxZlDOeeksNtFfu_46xf58kNQWFzpyfH_P35OnOJ8URzkTMMaEA22CVBO5at1jcridx1uTK8hL5VDofFDQ_vwQbyqDRuWHCSP8INj3E1VguqvQunMV-pznE2NNL0Z3JC1yW8ot_WXuRD7e3ZrcBd1ZrvkaMnB4E4t0KekUfjX_X_Xo8yDdrMv8Z0tbPiVQngpw7s14FXe5PCycGciTjRnd92dqcRvBpItZC2K1hIAOoZcaH9PQeOyyatkT9jML2SG-ic6yhL6v8lWiSKV9LQwJimwu9GtRJ7KCo1_VPG9qTSxYWNdlMicf5owidtTMyrNrNQ_W7ZdfPqQA4lOYt392ioNmte6szlzxdrVERYJbMO-RzL4u5uI5kaisW2pX-bPxCafB0ViGhRsto7p3xCE36vrMYS1GhIMlUmxOyEUJ3G4YLRca0WnLoCNzeZBWWc4TQZc-Xo4tFIg63bQQTHfdj0Qts8VA9H4YlFWnQWH4vu3G36vHPZ7tYOG-9gJaxFYS--151SSfJLCCGi&ft[fbfeed_location]=1&__md__=0=13.333333015441895pxsavings! Take up to 50% off when you shop Rite Aids online store, and dont let the Scrooge of online shopping - shipping costs - get you down! Receive free shipping no matter how much you spend

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Electronics Deals
Nike Air Collection - Up to 45% off @ 1Sale
Added on : Sunday December 01st 2013 07:00:09 PM
g: 0 Posted By: JayMatt19
Views: 144 Replies: 0 Linky
Don't call them "shoes" or just "sneakers". These are Fashion Icons, classic pieces of wearable art, as comfortable on the runway in Milan as they are on the courts of Miami. To step on the toe of another is as much an insult as talking about ones mother or sister.So dare to enter the world of high-class kicks at these limited time prices. Or just wear that beat up excuse for sneaks your grandma swears by. After all, it doesnt really matter how they look, does it? Who are we kidding? Just. Do. It.

g: 0 Posted By: ode2k
Views: 32 Replies: 0 Vyrso / Logos is giving away 50+ free ebooks this weekend. Most usually sell for $6.99-$14.99.

You can read these ebooks on iPhone, iPad, Android, or PCs

https://vyrso.com/products/search?q=&start=0&sort=pricelo&pageSi...


The Choice
Suzanne Woods Fisher

Daughter of Joy
Kathleen Morgan

Daughter of Twin Oaks
Lauraine Snelling

Jenna's Cowboy: A Novel
Sharon Gillenwater

Lion of Babylon
Davis Bunn

Love Me If You Must
Nicole Young

The Meeting Place
Janette Oke, T. Davis Bunn

Out of Control
Mary Connealy

Paper Roses: A Novel
Amanda Cabot

A Passion Most Pure
Julie Lessman

The Secrets in the Sauce
Linda Evans Shepherd, Eva Marie Everson

Angels Watching Over Me
Michael Phillips

Back on Murder
J. Mark Bertrand


Candle in the Darkness
Lynn Austin

Child of the Mist
Kathleen Morgan

A Daughters Inheritance
Tracie Peterson, Judith Miller

Distant Dreams
Judith Pella, Tracie Peterson

Elishas Bones
Don Hoesel

In the Company of Secrets
Judith Miller

Offworld
Robin Parrish

Paradise Valley
Dale Cramer

Somewhere to Belong
Judith Miller

The Calling of Emily Evans
Janette Oke

Secrets: A Novel
Kristen Heitzmann

A Holy Ambition: To Preach Where Christ Has Not Been Named
John Piper

Waiting for Summers Return
Kim Vogel Sawyer

An Untamed Land
Lauraine Snelling

Shadows of the Canyon
Tracie Peterson

The Twenty-Piece Shuffle: Why the Poor and Rich Need Each Other
Greg Paul

The Heart of Thornton Creek
Bonnie Leon

Deadly Aim
Patricia H. Rushford

The Experience
Henry Blackaby, Richard Blackaby

Sanctification in the Everyday: Three Sermons by John Piper
John Piper

I Believe in Heaven: Real Stories from the Bible, History and Today
Cecil Murphey, Twila Belk

Take Care How You Listen: Sermons by John Piper on Receiving the Word
John Piper

Disability and the Sovereign Goodness of God: Resources from John Piper
John Piper

Risen: 50 Reasons Why the Resurrection Changed Everything
Steven Mathewson

Code of Honor (Australian Destiny Book #1)
Sandra Dengler, Sandy Dengler

Knowing the Truth About Jesus the Messiah
John Ankerberg, John Weldon

A Cast of Stones (The Staff and the Sword Book #1)
Patrick W. Carr

Preparing for Marriage: Help for Christian Couples
John Piper

Love to the Uttermost: Devotional Readings for Holy Week
John Piper

Love to the Uttermost: Devotional Readings for Holy Week
John Piper

Fairchilds Lady
Roseanna M. White

Alive to Wonder: Celebrating the Influence of C. S. Lewis
John Piper

A Home in the West
Lori Copeland, Virginia Smith

Who Jesus Is and Why It Matters
Jim Wallis

Home to Pebble Creek
Vannetta Chapman

The 7-Day Prayer Warrior Experience
Stormie Omartian

The In-Between: Embracing the Tension Between Now and the Next Big Thing
Jeff Goins
Office Depot rebate software for the week of 12/01/2013 (2-$5AR titles)
Added on : Friday November 29th 2013 06:00:08 PM
g: 0 Posted By: bpvh
Views: 140 Replies: 0 Office Depot rebate software for the week of 12/01/2013 (2-$5AR titles)


WebEasy Professional [485-613] $49.99
$4.99 After $35 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Business Card Factory Deluxe [436-893] $29.99
$4.99 After $15 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.


DETAILS TO FOLLOW


There are also several titles $11.99 after $30 rebates:
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- My Invoices & Estimates Deluxe
--- Bookkeeper
--- MyAttorney Home & Business


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

****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

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

Office Depot Coupons
g: 1 Posted By: wei2cool
Views: 280 Replies: 0 review rating 4.4/5

Mind Maps: Quicker Notes, Better Memory, and Improved Learning 2.0

The number one Mind Map book on the Kindle has gotten better. Version 2.0 has more examples, better illustrations, and easier step-by-step instructions. Plus a bonus section that will triple your current reading speed and comprehension in a matter of minutes.

Also includes links to numerous free mind mapping software - no need to buy, subscribe, or submit proof of purchase.

Mind Mapping is a note taking system which allows you to take better, faster, and more efficient notes. In conventional note-taking, you write down information line by line. With Mind Maps, you organize the information more in the form of a diagram, starting with a central key idea drawn in the center of the paper.

In addition to enhancing your note taking skills, Mind Maps help you improve your studying, writing, presenting, brainstorming, and creative skills. It is one of the best note taking skills anyone can learn
Books Deals

Amazon Coupons
Victorinox Spartan- $13.99 with free shipping at Cabela's
Added on : Thursday November 28th 2013 04:00:02 AM
g: 0 Posted By: Tarf
Views: 27 Replies: 0 Victorinox Spartan- $13.99 with free shipping at Cabela'sLinkUse code 3WINTER for free shipping

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.
3 FREE GAS CARDS w/ Codes of Energizer Batteries - Expires 08/30/14
Added on : Wednesday November 27th 2013 03:00:06 PM
g: 0 Posted By: BigBoyMichigan
Views: 304 Replies: 0 $8.00 Gas Reward MasterCard*

get more miles on usget an$8.00 Gas Reward MasterCard Gas Card!* when you collect THREE (3) codes from specially marked packs ofEnergizerBrand batteries and redeem codes online. Valid only through 8/30/14.* Gift Card valid on any gas or non-gas purchase,


LIMIT: MAXIMUM TOTAL OF THREE (3) REWARD CARDSPER PERSON / HOUSEHOLD / E-MAIL ADDRESS.


http://www.energizerpumpupthepower.com/



Energizer Battery
Pump Up The Power $8.00 Gas Reward MasterCard Card Offer
MasterCard Debit Card Valid on Any Purchase

Terms and Conditions
Internet access is required to participate in this Offer.To participate in the Energizer Battery, Inc. Pump Up The Power $8.00 Gas Reward,MasterCard Card Offer (Offer), purchase specially marked packages of Energizer Brand battery products between April 1, 2013 and August 30, 2014, while supplies last. Look inside each participating package for your unique code/codes (Code). Three (3) Codes are required to redeem a Pump Up The Power $8 Gas Reward MasterCard ,Debit Card (Reward Card). Reward Cards are valid for any purchase at retailersaccepting MasterCard debit cards.

The following specially marked packages contain one (1) Code:
Energizer MAX batteries, AA-4
Energizer MAX batteries, AA-8
Energizer MAX batteries, AAA-4
Energizer MAX batteries, AAA-8
Energizer Advanced Lithium batteries, AA-4

The following specially marked packages contain two (2) Codes:
Energizer MAX batteries, AA-16
Energizer MAX batteries, AAA-16
Energizer Ultimate Lithium batteries, AA-4
Energizer Recharge Power Plus batteries, AA-4
Energizer Recharge Universal batteries, AA-4

Offer begins April 1, 2013 at 12:00:01 a.m. ET and ends August 30, 2014 at 11:59:59
p.m. PT (Offer Period).

Not all participating products and pack sizes are available at allretailers. For redemption purposes, Codes are valid online only at www.energizer.com/ pumpupthepower (the Web site). Internet access is required to participate in this Offer.To redeem Codes for your $8.00 Reward Card, visit the Web site during the Offer Period andcomplete the required information, including name, address, phone number, date of birthand e-mail address to register. Once registered, enter your Codes on the Web site. EachCode is unique and may only be entered once; three (3) Codes must be entered on theWeb site at one time in order to redeem your Reward Card. All Codes must beentered on the Web site by 11:59:59 p.m. PT on August 30, 2014. Once you haveentered your Codes, your request will be processed and your Reward Card will bedelivered by mail to the address provided when you registered for the Offer. All Codesubmissions and Offer redemption requests are subject to verification. Please allowapproximately 68 weeks for shipment of your Reward Card following verification ofyour redemption request. Use of a Reward Card is subject to all terms and conditions andpolicies imposed by the issuer. Reward Cards are not redeemable for cash and arenontransferable. LIMIT: MAXIMUM TOTAL OF THREE (3) REWARD CARDSPER PERSON/HOUSEHOLD/E-MAIL ADDRESS.

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Sponsor makes no representations, warranties or guarantees, express or implied, in fact orin law, with respect to MasterCard debit cards. Any issues in connection with theMasterCard debit card after receipt must be directed to the issuing entity. Sponsor bearsno responsibility for any aspect of a MasterCard debit card after delivery to participant.Fraudulent redemption requests or Codes (as determined by Sponsor in its sole
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2013 Energizer Energizer, Energizer Bunny design and other marks are trademarksof Energizer,The prepaid card is issued by Hometown Bank pursuant to a license by MasterCardInternational Incorporated. MasterCard is a registered trademark of MasterCardInternational Incorporated.





Gifts Deals
Octopus Ski Mask @ Tanga - $11.70 after Coupon
Added on : Tuesday November 26th 2013 07:00:02 PM
g: 0 Posted By: Virgil27
Views: 0 Replies: 0 Octopus Ski Mask @ Tanga - $11.70 after Coupon
compare at $23.99
Shipping adds $1.99.With this distinctive Octopus Ski Mask, you'll have nothing to fear from Old Man Winter (or Cthulhu for that matter). This "bearded" ski mask slithers in at $12 off the next lowest price after coupon! 

Coupons
FATWALLET - 10% off Pre-Turkey Items  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Tanga Coupons
g: 0 Posted By: remick
Views: 175 Replies: 0 http://www.amazon.com/dp/B007S0LTPU/

4.6 out of 5 stars with 63 reviews

Revised addition!

Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results!
For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!
Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will.
It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."
Here is the table of contents to show you SOME of what is included...

Contents

Introduction
Ambient Light
Ambient Light Defined
Light Qualities
Hard Light
Hard Light Defined
Light Quality
Control Viewer Emotions
Light Angles Matter
Photo Exercise 1
Light Shaping
Barn Doors
The Snoot
Making Your Light Bigger
Flags, Dots And Fingers
Cookies and Gobos
Photo Exercise 2
Additional Photo Training

First we review some lighting concepts regarding Ambient light. ambient light can be hard or soft and learning to work with it is vital.

Hard Light: Then we discuss what hard light is and some of the situations where we might find it being used.

Control Viewer Emotions: How hard light is used to elicit and control emotion in our photos.

Light Angles Matter: With hard light, the angle of the light is a key consideration. Shoot at the wrong angle and you could create a portrait that will absolutely be hated... and possibly create an enemy for life.

Shoot at the right angle and you may see your work on the wall of a gallery someday!

Light Shaping - Cookies, Snoots, Flags Fingers & Dots: Do you know what "Flags", "Fingers", "Dots", "Cookies", "Gobos" and "Snoots" are?

You will in an hour or so after getting Volume 7 of the "On Target Photo Training" series. Not only will you know what they are, but you will know how and when to use them!

Check out this easy to read - illustrated and easy to understand volume. You'll be glad you've added it to your collection!
Totally Free Deals
Amazon - Top Holiday Deals
Added on : Monday November 25th 2013 04:00:03 AM
g: -1 Posted By: TomPtz
Views: 216 Replies: 0 Looking for Top Holiday Deals?Thanks for stopping by! Top Holiday Deals 2013 is coming soon! Bookmark this page and come back in December to find deals on gifts and popular holiday products. Plus, don't miss our http://www.amazon.com/Black-Friday/b/ref=amb_link_385966522_1?ie=UTF8&node=384082011&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_r=0KFJT36FCX4V9A7RHB8F&pf_rd_t=101&pf_rd_p=1652438642&pf_rd_i=5550343011 and http://www.amazon.com/Cyber-Monday/b/ref=amb_link_385966522_2?ie=UTF8&node=5550342011&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_r=0KFJT36FCX4V9A7RHB8F&pf_rd_t=101&pf_rd_p=1652438642&pf_rd_i=5550343011 deal events. Looking for great deals right now? You can:

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}Watch. Read. Shop. Relax.Millions of Amazon Prime members enjoy instant videos, free Kindle books and unlimited free two-day shipping.> Get startedhttp://www.amazon.com/gp/goldbox/?pf_rd_p=1673798002&pf_rd_s=cen... Today's Limited-Time Deals
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g: 0 Posted By: remick
Views: 152 Replies: 0 http://www.amazon.com/Songs-Key-Solomon-Word-Mood-ebook/dp/B00B8ST9XW

4.5 out of 5 stars with 25 reviews

Ladies, are you tired of trying to engage your man in something he is reluctant to do? Lets face it: husbands are not normally seen running to bookstores to buy a couples devotional.

And guys, are you tired of feeling like the term devotional is code for boring? You may be thinking, Please, not one more thing to check off my daily to-do list. Plus, you and your wife have different views on what intimacy is all about, right?

If either of you is wondering if youre living more with your roommate than your soulmate, then this devotional can help you meet on common ground and discover each other in new ways. You wont even need an alarm clock to wake you when your devotional time is finished.

Filled with insights from a real couple on real issues, Songs in the Key of Solomon will get you and your spouse laughing, thinking, sharing, touching, and praying possibly all during the same reading. Each offering in this devotional is designed to spark connections around issues that matter, so youll deepen your emotional, spiritual, and physical unity and ignite new levels of intimacy. (One devotional involves a bathtub and some candles...try not to get stuck on that one page over and over again.)

Here is an invitation to hear the music in your marriage maybe for the first timeor maybe once again.
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Free Kindle Book- Wounded Women of the Bible (was $12.99)
Added on : Monday November 25th 2013 01:00:05 AM
g: 0 Posted By: remick
Views: 164 Replies: 0 http://www.amazon.com/Wounded-Women-Bible-Dena-Dyer-ebook/dp/B00F6445VA

4.6 our of 5 stars with 27 reviews

Imploding relationships, incapacitating losses, injurious personal mistakes, or spiritual failureswhatever the issue, the wounds are the same. Whether its a lapse in judgment by Bathsheba or the moral failure of the womens ministry leader in your local church; the spiritual insensitivity of Martha or the compulsive obsessions of your churchs care circle chairwoman; the terror of an abandoned single mother like Hagar or the struggling single mother in your prayer groupthe time and circumstances are different, but the wounds are equally deep and spiritually devastating. Dena Dyer and Tina Samples get it. They have their own stories of pain before healingalong with similar experiences of their families and friends. Offering more than pat affirmations or vicarious shoulders to cry on, Dena and Tina delve deep into the shared emotions and injuries that women of all ages have in commonand move readers toward the recovery and healing that only God can provide. No matter what hurts youve experienced, Wounded Women of the Bible proves that God understands and that healing is not only His intention but His delight!
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If You Shop on Thanksgiving, You are Part of the Problem
Added on : Sunday November 24th 2013 03:00:07 AM
g: 0 Posted By: unnamedny
Views: 0 Replies: 0 http://www.huffingtonpost.com/matt-walsh/shopping-on-thanksgivin...
above said: That's our entire economic system: buy things. Everybody buy. It doesn't matter what you buy. Just buy. It doesn't matter if you don't have money. Just buy. Our entire civilization now rests on the assumption that, no matter what else happens, we will all continue to buy lots and lots of things. Buy, buy, buy, buy, buy. And then buy a little more. Don't create, or produce, or discover -- just buy. Never save, never invest, never cut back -- just buy. Buy what you don't need with money you don't have. Buy when you're happy. Buy when you're sad. Buy when you're hungry. Buy when you want to lose weight. Buy an iPhone. Six months have passed, here, buy another iPhone. Go online and buy things. Go to the mall and buy things. On your way, stop and buy some more things. Buy things for every occasion. Buy things to celebrate. Buy things to mourn. Buy things to keep up with the trends. Buy things while you're buying things, and then buy a couple more things after you're done buying things. If you want it -- buy it. If you don't want it -- buy it. Don't make it -- buy it. Don't grow it -- buy it. Don't cultivate it -- buy it. We need you to buy. We don't need you to be a human, we don't need you to be a citizen, we don't need you to be a capitalist, we just need you to be a consumer, a buyer. If you are alive you must buy. Buy like you breathe, only more frequently.




Office Depot rebate software for the week of 11/24/2013 (1-FAR and 1-$10AR)
Added on : Saturday November 23rd 2013 07:00:07 PM
g: 0 Posted By: bpvh
Views: 160 Replies: 0 Office Depot rebate software for the week of 11/24/2013 (1-FAR and 1-$10AR)


PhotoImpact Pro 13, Traditional Disc [948245] $83.99 LINK
++ FREE After $4 Instant & $80 in (2) Mfr. Mail-In Savings
$50 standard rebate #601-182 LINK
--- rebate valid from 11/24/2013 through 11/30/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$30 CONTINUING onbox rebate UTW30 LINK
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- copy of receipt
--- original UPC code
--- Registration Card
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


McAfee Total Protection 2014, For 3 PCs, eCard [106319] $70.99 LINK
++ See McAfee alert below
++ $9.99 After $9 Instant & $61 Mfr. Mail-In Savings
$61 standard rebate #13-78545 LINK
--- paid via prepaid Visa card
--- rebate valid from 11/24/2013 through 11/30/2013
--- original UPC code (731944645308)
--- copy of receipt
++ McAfee rebates generally can be pre-submitted at www.mcafeerebates.com


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

****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

====================
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Do you need to pay tax on the money you receive in your PayPal account?
Added on : Friday November 22nd 2013 06:00:12 AM
g: -2 Posted By: alexro
Views: 155 Replies: 7 Hello,

I just have a short question because I am not sure how this works.

I have a PayPal account and I recently got one of those card readers that you attach to your phone and allows you to receive a payment to your PayPal account using your phone.
Suppose I want to swipe a rebate card that I received. (Yes I am aware that PayPal charges 2.7% transaction fees and that I could just use that rebate card to pay a bill or dump it into Amazon, but let's leave that aside for a moment.)
Since it's just moving my money around I shouldn't have to report it to the IRS and to pay tax on it. However will PayPal see this as income and report it or force me to report it/pay tax?
For a single rebate card the amount is to small to matter, but if I do this for all the rebates I do in an year it adds up quite a bit.

Thanks and hope it's not a dumb question.
Personal Finance Deals
g: 2 Posted By: bittul
Views: 33 Replies: 0 Copied/Pasted from DJ3xclusive over @ SD
DJ3xclusive said: *Starts 11/21/2013*

http://www.amazon.com/dp/B00GJ1X4TS/ Rockstar Classics Bundle 7.99
http://www.amazon.com/dp/B00CLEIC6W Shatter - 2.49
http://www.amazon.com/dp/B00DOD0TZG BioShock Triple Pack - 14.99
http://www.amazon.com/dp/B00CPBZDQ8 Borderlands 2 and Borderlands GOTY - 11.99
http://www.amazon.com/dp/B00CPBZDPE Firaxis Pack (XCOM EU, Civ V Gold, Civ IV Complete) - 19.99
http://www.amazon.com/dp/B00ECHYTKY X-COM Collection (Classics +EU + DLC) - 9.99
http://www.amazon.com/dp/B0091T6FQO Desert to Sea - 9.99
http://www.amazon.com/dp/B008GW5V9E Action Shooter Pack - 9.99
http://www.amazon.com/dp/B00ELJROFA CIV V COMPLETE (Gold + Brave New World) - 19.99
http://www.amazon.com/dp/B00AFDKCLE X-COM ENEMY UNKNOWN- SLINGSHOT DLC - 3.49
http://www.amazon.com/dp/B009RSL2EO X-COM ENEMY UNKNOWN- ELITE SOLDIER DLC - 2.49
http://www.amazon.com/dp/B00846E6X4 X-COM: Complete Pack (CLASSICS) - 7.49
DUKE NUKEM FOREVER - 9.99
DARKNESS 2 - 14.99
http://www.amazon.com/dp/B00BCNV1CA CIV V GOLD - 24.99
http://www.amazon.com/dp/B0084FHBGY CIV IV COMPLETE - 14.99
http://www.amazon.com/dp/B00CYOHL48 Sid Meier's Civilization V Game of the Year Edition [Mac Download] - 19.99
http://www.amazon.com/dp/B00BLS4CZ4 Civilization V Gold - 24.99
Duke Nukem Forever [Mac Download] - 9.99
Civilization IV [Mac Download] - 9.99
Civilization V Gold + Civ V: Brave New World - 19.99
http://www.amazon.com/dp/B00BGEAY00 Blacklight Tango Down 4-Pack - 4.49
http://www.amazon.com/dp/B008PGUVLE Blacklight Tango Down - 1.29
BULLY/MANHUNT - 4.99
http://www.amazon.com/dp/B00DQXF8AU GTA TRILOGY - [Mac Version (http://www.amazon.com/dp/B006BEZPTU Click Here)] 6.99
http://www.amazon.com/dp/B00A9XQ83Q Max Payne 3 + Season Pass $7
http://www.amazon.com/dp/B00G3K2JEG MAX PAYNE 3 COMPLETE - 6.99
http://www.amazon.com/dp/B00GJ1X1SM MANHUNT/MANHUNT 2 - 3.99
http://www.amazon.com/dp/B00GJ1X3V2 GTA TRILOGY + GTA IV - 10.99
http://www.amazon.com/dp/B0091UYJ66 LA NOIRE Complete + Max Payne 3 Complete - 7.99
http://www.amazon.com/dp/B00904XVS0 GTA IV Complete + Max Payne 3 - 7.99
L.A. NOIRE - 9.99
GTA IV - 9.99
MANHUNT - 4.99
MANHUNT 2 - 7.49
GTA VICE CITY - 4.99
GTA 3 - 4.99
GTA SAN ANDREAS - 7.49
MAX PAYNE 3 - 9.99
MAX PAYNE 3 SEASON PASS - 7.49
Call of Duty: Black Ops - 19.99
Call of Duty: Black Ops - Rezurrection - 5.99
Call of Duty: Black Ops "Annihilation & Escalation" Content Pack - 9.99
R.I.P.D.: The Game - 2.99
God Mode - 2.99
Zeno Clash 2 - 4.99
Invadazoid - 1
Rails - 4.95
Art Text for Mac - 19.95
Scorpion: Disfigured - 4.9975
Jekyll & Hyde - 4.9975
Outcry - 4.9975
http://www.amazon.com/dp/B00B2CY948 Giana Sisters: Twisted Dreams - 2.99
The Few - 1.99
Strike Suit Zero - 4.99
Dungeons & Dragons: Chronicles of Mystara - 7.49
Dungeons & Dragons: Chronicles of Mystara 4-Pack - 22.49
Super Street Fighter IV: Arcade Edition - 14.99
100% Hidden Objects - 3.99
Ancient Spirits - Columbus Legacy - 1.99
Build It! Miami Beach Resort - 1.99
Dark Mysteries - The Soul Keeper - 2.99
Jewel Legends - Tree of Life - 2.99
Mahjong Mysteries - Ancient Athena - 1.99
Mahjongg: Ancient Mayas - 1.99
Mystery Stories - Mountains of Madness - 2.99
Mystery Stories: Island of Hope - 1.99
Sanctum 2 - 3.74
Super Sanctum TD - 0.99
Sanctum - 2.49
18 Wheels of Steel Long Haul - 2.49
Amnesia - 4.99
Hunting Unlimited 2010 - 2.49
Ultimate Mahjongg 20 - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 4.99
18 Wheels of Steel Extreme Trucker - 2.49
Let's Ride: Silver Buckle Stables - 2.49
Prison Tycoon 4: Super Max - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 9.99
Amnesia - 9.99
Stealth Bastard Deluxe - 2.99
Stealth Bastard Deluxe: The Teleporter Chambers - 1.49
Deponia - 3.99
Chaos on Deponia - 3.99
The Dark Eye - Chains of Satinav - 4.99
A New Beginning - 2.49
Edna & Harvey: Harveys New Eyes - 2.99
Garshasp: The Monster Slayer - 1.25
Garshasp: Temple of the Dragon - 1.25
Secret Files Franchise Pack - 19.99
Cubetractor - 4.99
PixelJunk Monsters Ultimate - 9.99
PixelJunk Shooter - 6.7425
Psychonauts - 2.5
Costume Quest - 3.75
Stacking - 3.75
Brutal Legend - 10
Brutal Legend - Soundtrack Edition - 12.5
Guacamelee! Gold Edition - 9.99
Tales From Space: Mutant Blobs Attack - 3.99
Hunter's Trophy 2 - America - 7.5
Hunter's Trophy 2 - Australia - 7.5
WRC 3 - 14.99
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Restaurant Empire - 4.95
Restaurant Empire 2 - 9.95
Capitalism 2 - 4.985
Zoo Empire - 2.4875
Marine Park Empire - 2.50
Circus Empire - 2.4875
Hotel Giant - 2.4875
Seven Kingdoms 2 - 2.4875
Nemesis of the Roman Empire - 4.9875
Warlords Battlecry 3 - 4.9875
Joan of Arc - 0.9875
Lords of Football - 6.25
Jig-Man! - 2.67
Maze-Master - 2.67
Nancy Drew: The Final Scene - 3.5
Nancy Drew: Secret Of The Scarlet Hand - 3.5
Nancy Drew: Ghost Dogs Of Moon Lake - 3.5
Nancy Drew: The Haunted Carousel - 3.5
Nancy Drew: Danger on Deception Island - 3.5
Nancy Drew: Ransom Of The Seven Ships - 3.5
Nancy Drew: The Phantom of Venice - 3.5
Nancy Drew Dossier: Resorting to Danger - 3.5
Nancy Drew: Legend of the Crystal Skull - 3.5
Nancy Drew Dossier: Lights, Camera, Curses! - 3.5
Nancy Drew: The Haunting of Castle Malloy - 3.5
Nancy Drew: Curse of Blackmoor Manor - 3.5
Nancy Drew: Warnings at Waverly Academy - 3.5
Nancy Drew: Secret of the Old Clock - 3.5
Nancy Drew: Last Train to Blue Moon Canyon - 3.5
Nancy Drew: Danger By Design - 3.5
Nancy Drew: The White Wolf of Icicle Creek - 3.5
Nancy Drew: The Creature of Kapu Cave - 3.5
Nancy Drew: Trail of the Twister - 3.5
Nancy Drew: Secrets Can Kill REMASTERED - 3.5
Nancy Drew: Shadow at the Water's Edge - 9.99
Nancy Drew: Shadow at the Water's Edge [Mac Download] - 9.99
Nancy Drew: The Captive Curse - 9.99
Nancy Drew: The Captive Curse [Mac Download] - 9.99
Nancy Drew: Alibi in Ashes - 9.99
Nancy Drew: Alibi in Ashes [Mac Download] - 9.99
Nancy Drew: Tomb of the Lost Queen - 9.99
Nancy Drew: Tomb of the Lost Queen [Mac Download] - 9.99
Nancy Drew: Treasure In The Royal Tower - 4.99
Nancy Drew: Message in a Haunted Mansion - 4.99
Nancy Drew: The Secret of Shadow Ranch - 7.49
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: The Phantom of Venice - 3.5
Defense Grid Containment Bundle - 4.99
StarDrive - 10.2
Endless Space Emperor Special Edition - 10.2
Endless Space: Disharmony - 3.4
Endless Space Gold Edition - 11.9
Adam's Venture - 1.25
Dark Fall: Lost Souls - 2.49
Darkness Within: In Pursuit of Loath Nolder - 2.49
Killing Floor - 4.5
Red Orchestra - 2.49
Baron Wittard - 2.49
Darkness Within 2 - 2.49
Wings of Luftwaffe DLC - 2.75
Wings of Prey - 3.75
Wings of Prey - Collector's Edition - 6.25
Family Farm - 3.75
Nuclear Dawn - 2.49
Oil Rush - 3.99
Armada 2526 - 3.75
Starpoint Gemini - 4.98
Blades of Time Limited Edition - 9.99
Gemini Wars - 4.98
LHOD Society of the Serpent Moon - 4.98
Adam's Venture 3 - 1.25
Adam's Venture 2 - 1.25
SOL: Exodus Collector's Edition - 2.49
Cristiano Ronaldo Freestyle - 1.25
Tiny Troopers - 1.25
Tiny Troopers - 1.25
The Good Life - 2.49
ABC Coloring Town - 1.25
Alphabet Robots Mahjong - 1.25
Balloon Blowout - 1.25
Fantastic 4 In A Row 2 - 1.25
Fantastic Checkers 2 - 1.25
Letter Land Mahjong 2 - 1.25
Mahjong Deluxe 2 - 1.25
Drip Drip - 2.5
Drip Drip - 2.5
Jewel Quest Mysteries: The 7th Gate - 0.99
Jewel Quest Heritage for Kindle Tablet - 0.99
Jagged Alliance: Crossfire - 7.4975
Tropico 4 DLC - Pirate Heaven - 1.2475
Sine Mora - 2.4975
Tropico 4: Megalopolis - 1.2475
Tropico 4: Vigilante - 1.2475
Omerta: City of Gangsters - 19.995
Tropico3: Absolute Power - Expansion - 2.4975
Tropico Reloaded - 1.7475
Tropico 3 - 2.4975
Tropico 4 - 7.4975
Tropico 4: Collectors Bundle - 9.9975
Tropico 4 - 7.4975
Tropico 4 - Junta Military DLC - 1.2475
Tropico 4 - Quick-Dry-Cement DLC - 1.2475
Omerta: City of Gangsters: The Con Artist - 2.495
Anna: Extended Edition - 4.995
Omerta: City of Gangsters: Damsel in Distress - 2.495
Jagged Alliance: Collector's Bundle - 9.9975
Omerta: City of Gangsters: The Arms Industry - 2.495
DARK - 19.995
Tropico Trilogy - 4.9975
Tropico 4: Military Junta DLC - 1.2475
Tropico 4: Voodoo - 1.2475
Tropico 4: Voodoo - 1.2475
Port Royale 3 Gold - 7.4975
Tropico Collection - 9.9925
Tropico 4 - Plantador Production DLC - 1.2475
Tropico 4: Quick-dry Cement DLC - 1.2475
Jagged Alliance - Back in Action - 9.9975
Tropico 4 - Modern Times DLC - 4.9975
Manhunter - 4.99
Euro Truck Simulator 2 - 11.99
Alien Breed : Assault - 2.49
Alien Breed : Descent - 2.49
Alien Breed : Impact - 2.49
Alien Breed Trilogy - 4.59
Superfrog HD - 2.49
Worms - 1.99
Worms Armageddon - 7.49
Worms Blast - 1.99
Worms Clan Wars - 12.49
Worms Collection - 22.49
Worms Crazy Golf - 2.49
Worms Pinball - 1.99
Worms Reloaded Game of the Year Edition - 6.25
Worms Revolution - 7.49
Worms Revolution Season Pass - 7.49
Worms Ultimate Mayhem - 3.75
http://www.amazon.com/dp/B007WWW2C8 The Walking Dead - 6.25
http://www.amazon.com/dp/B00DRKJ7VI The Walking Dead: 400 Days - 1.25
http://www.amazon.com/dp/B00ELJRCDO Walking Dead Pack - 7.49
Duck Tiles - 1.99
Bulldozer - 1.99
SQUIDS - 1.75
The Bridge - 4.99
Spectromancer + League of Heroes + Truth and Beauty + Gathering of Power Bundle - 1.99
Chivalry: Medieval Warfare - 12.49
ANNO 2070 - The Eden Project Complete Pack DLC - 5.2
ANNO 2070 - The Financial Crisis Complete Pack - 5.2
ANNO 2070 - 19.49
Assassin's Creed 2 - 12.99
Assassin's Creed 2 Deluxe Edition - 12.99
Assassin's Creed Brotherhood [Mac Download] - 12.99
Assassin's Creed II [Mac Download] - 12.99
Assassin's Creed Revelations - Gold Edition - 19.49
Assassin's Creed Revelations - Mediterranean Traveler Map Pack DLC - 6.49
Assassin's Creed Revelations - The Ancestors Character Pack DLC - 2.59
Assassin's Creed Revelations - The Lost Archive DLC - 6.49
Assassin's Creed Revelations - 12.99
Assassin's Creed: Brotherhood - 12.99
Assassin's Creed: Brotherhood Deluxe Edition - 19.49
Assassin's Creed: Director's Cut Edition - 12.99
Babel Rising - Mac - 6.49
Babel Rising - Sky's the Limit DLC - 1.94
Babel Rising - Sky's the Limit DLC Mac - 1.94
Babel Rising - 6.49
Beyond Good & Evil - 6.49
Blazing Angels 2: Secret Missions of WWII - 6.49
Blazing Angels Squadrons of WWII - 6.49
Brain Spa - 6.49
Brothers in Arms Earned in Blood - 6.49
Brothers in Arms Road to Hill 30 - 6.49
Call of Juarez 2: Bound in Blood - 6.49
Call of Juarez: The Cartel - 12.99
Cold Fear - 6.49
CSI: Crime Scene Investigation: Hard Evidence - 6.49
CSI: Deadly Intent - 6.49
CSI: Fatal Conspiracy - 12.99
Dark Messiah: Might & Magic - 6.49
Dawn of Discovery Gold - 12.99
Dawn of Discovery: Venice - 6.49
Driver San Francisco - Deluxe Edition - 16.24
Driver San Francisco - Standard Edition - 12.99
Driver San Francisco [Mac Download] - 12.99
Driver: Parallel Lines - 6.49
Far Cry - 32 Bit OS Only - 6.49
Far Cry 2: Fortune's Edition - 6.49
From Dust - 9.74
Heritage of Kings: The Settlers - 6.49
Heroes of Might and Magic V - 6.49
Heroes of Might and Magic V: Hammers of Fate - 6.49
Heroes of Might and Magic V: Tribes of the East - 6.49
Heroes Over Europe - 6.49
I Am Alive - 9.74
IL-2 STURMOVIK: CLIFFS OF DOVER - 12.99
Lock On - 6.49
Mad Riders - Daredevil Map Pack - 1.94
Mad Riders - 6.49
Might & Magic Clash Of Heroes - 6.49
Might & Magic Heroes VI: Pirates of the Savage Sea Adventure Pack - 6.49
Might & Magic: Clash of Heroes - I Am the Boss DLC Pack - 1.94
NCIS - 6.49
Peter Jackson's King Kong - 6.49
Petz Catz 2 - 6.49
Petz Horsez 2: Pippa Funnell Rescue Ranch - 6.49
Petz Sports - 6.49
Prince of Persia - 6.49
Prince of Persia: The Sands of Time - 6.49
Prince of Persia: The Two Thrones - 6.49
Prince of Persia: Warrior Within - 6.49
R.U.S.E. - 6.49
R.U.S.E. - 6.49
R.U.S.E. DLC 3 - 6.49
R.U.S.E: The Chimera DLC-Pack - 4.54
Rayman 3 Hoodlum Havoc - 6.49
Rayman Origins - 12.99
Rayman Raving Rabbids - 6.49
Shaun White Skateboarding - 6.49
Shaun White Snowboarding - 6.49
Splinter Cell Conviction - Insurgency Pack - 6.49
Tom Clancy's EndWar - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter 2 - 6.49
Tom Clancy's H.A.W.X 2 - 6.49
Tom Clancy's H.A.W.X 2 Deluxe - 9.74
Tom Clancy's H.A.W.X. - 6.49
Tom Clancy's H.A.W.X. 2 : The Open Skies - 6.49
Tom Clancy's Rainbow Six Lockdown [Game Download] - 6.49
Tom Clancy's Rainbow Six Vegas - 6.49
Tom Clancy's Rainbow Six Vegas 2 - 6.49
Tom Clancy's Splinter Cell - 6.49
Tom Clancy's Splinter Cell Chaos Theory - 6.49
Tom Clancy's Splinter Cell Conviction [Mac Download] - 12.99
Tom Clancy's Splinter Cell Conviction Deluxe - 12.99
Tom Clancy's Splinter Cell Double Agent - 6.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Pro Cycling Manager 2013 - 14.99
Pro Cycling Manager 2013 - 14.99
Wargame Airland Battle - 13.59
Magrunner: Dark Pulse [Thin Game Download] - 6.79
Mars: War Logs - 6.79
Cities XL Platinum - 7.49
Cities XL Platinum - 7.49
Blood Bowl: Chaos Edition - 7.49
The Testament of Sherlock Holmes - 7.49
The Testament of Sherlock Holmes - 7.49
Adventure Bundle - 14.99
RPG Bundle - 34.99
Game of Thrones - 9.99
DLC Quest - 0.99
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
The Asskickers - 3.1936
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
Megabyte Punch - 7.49
Critical Mass - 0.49
Metal Dead - 1.25
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Sountrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 33.49
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99
THE SIMS 3 70s, 80s, & 90s STUFF (PC/MAC) - 9.99
THE SIMS 3 Diesel STUFF PACK (PC/MAC) - 9.99
THE SIMS 3 DRAGON VALLEY (PC/MAC) - 9.99
THE SIMS 3 FAST LANE STUFF (PC/MAC) - 9.99
THE SIMS 3 GENERATIONS (PC/MAC) - 9.99
THE SIMS 3 HIDDEN SPRINGS - 9.99
THE SIMS 3 HIGH-END LOFT STUFF (PC/MAC) - 9.99
THE SIMS 3 INTO THE FUTURE (PC/MAC) - 22.49
THE SIMS 3 MASTER SUITE STUFF (PC/MAC) - 9.99
THE SIMS 3 MONTE VISTA (PC/MAC) - 9.99
THE SIMS 3 MOVIE STUFF (PC/MAC) - 9.99
THE SIMS 3 OUTDOOR LIVING STUFF (PC/MAC) - 9.99
THE SIMS 3 PETS (PC/MAC) - 9.99
THE SIMS 3 SHOWTIME (PC/MAC) - 9.99
THE SIMS 3 SUPERNATURAL (PC/MAC) - 9.99
THE SIMS 3 TOWN LIFE STUFF (PC/MAC) - 9.99
THE SIMS 3 WORLDS BUNDLE - 9.99
THE SIMS MEDIEVAL (PC/MAC) - 9.99
THE SIMS MEDIEVAL PIRATES AND NOBLES (PC/MAC) - 9.99
MASS EFFECT 3 - 6.99
MASS EFFECT 3 - 6.99
BULLETSTORM - 4.99
DEAD SPACE - 4.99
DEAD SPACE 2 - 4.99
MASS EFFECT - 4.99
MASS EFFECT 2 - 4.99
SIM CITY 4 DELUXE - 4.99
SYNDICATE - 4.99
THE SIMS 3 AMBITIONS (PC/MAC) - 14.99
THE SIMS 3 LATE NIGHT (PC/MAC) - 9.99
THE SIMS 3 PLUS SHOWTIME (PC/MAC) - 14.99
THE SIMS 3 PLUS SUPERNATURAL (PC/MAC) - 14.99
THE SIMS 3 STARTER PACK - 14.99
THE SIMS 3 UNIVERSITY LIFE (PC/MAC) - 14.99
THE SIMS 3 WORLD ADVENTURES (PC/MAC) - 9.99
MASS EFFECT 3 DIGITAL DELUXE - 9.99
BATTLEFIELD: BAD COMPANY 2 ULTIMATE DIGITAL COLLECTION - 8.99
MEDAL OF HONOR ULTIMATE DIGITAL COLLECTION - 8.99
SPORE ULTIMATE DIGITAL COLLECTION - 9.99
THE SIMS 3 ISLAND PARADISE (PC/MAC) - 19.99
THE SIMS 3 PLUS PETS (PC/MAC) - 19.99
THE SIMS 3 SEASONS (PC/MAC) - 19.99
ALICE: MADNESS RETURNS THE COMPLETE COLLECTION - 7.49
CRYSIS 2 MAXIMUM - 7.49
CRYSIS MAXIMUM - 7.49
MASS EFFECT 2 DIGITAL DELUXE EDITION - 7.49
THE SIMS 3 DELUXE (PC/MAC) - 24.49
THE SIMS 3 PLUS ISLAND PARADISE (PC/MAC) - 24.49
Burning Hot Bundle - 5.99
Kingdoms of Amalur Complete Bundle - 8.49
Vintage Sports Pack - 8.49
Medal of Honor Warfighter pack (Game + DLC) - 7.49
Have Faith Bundle - 4.99
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Memoria - 13.19
The Night of the Rabbit - 9.99
1 PLEX: EVE Online [Game Connect] - 16.95
2 PLEX: EVE Online [Game Connect] - 29.75
6 PLEX: EVE Online [Game Connect] - 89.25
12 PLEX: EVE Online [Game Connect] - 178.49
28 PLEX: EVE Online [Game Connect] - 416.49
1 Month Subscription: EVE Online [Game Connect] - 11.25
3 Months Subscription: EVE Online [Game Connect] - 29.13
6 Months Subscription: EVE Online [Game Connect] - 53.77
12 Months Subscription: EVE Online [Game Connect] - 98.55
Painkiller Hell & Damnation Collector's Edition - 5.49
Rooks Keep - 4.99

*Starts 11/22/2013*

S.T.A.L.K.E.R. Call of Pripyat - 9.995
Expeditions: Conquistador - 13.3933
Thunder Wolves - 6.6933
Air Conflicts: Pacific Carriers - 9.995
Galaxy on Fire 2 HD - 9.995
Party of Sin - 2
Party of Sin - 2
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475

*Starts 11/23/2013*

The Book of Unwritten Tales Deluxe Edition - 4.99
The Book of Unwritten Tales Deluxe Edition - 4.99
reef Shot - 2.99

*Starts 11/24/2013*

Inspector Cyndi in Newport--UNFINISHED SYMPHONY - 4.99
Inspector Cyndi in Newport--FALL FROM GRACE - 4.99
Crossed Quotes - 2.49
Jewels of the Nile - 2.99
Crystal Caverns of Amon-Ra - 2.99
Billiards Champ - 2.99
101 Pony Pets - 2.99
Dynasty of Egypt - 2.99
Supreme Commander: Forged Alliance - 2.99
Supreme Commander - 2.99

*Starts 11/25/2013*

Party of Sin - 5
Party of Sin - 5
Kilgazar (Desura) - 2.99
Kilgazar - 2.99
Kilgazar - 2.99
Kilgazar (Desura) - 2.99

*Starts 11/26/2013*

Hell Yeah! - 4.99
Hell Yeah! Virtual Rabbit Missions DLC - 1.87
Hell Yeah! Pimp my Rabbit DLC - 1.02
Hell Yeah! Collection - 6.29
Renegade Ops - 4.79
Renegade Ops 4 pack - 9.99
Reinforcement Pack - 1.0465
Cold Strike Campaign - 1.69
Renegade Ops Collection - 5.29
Red Faction Armageddon - 3.99

*Starts 11/27/2013*

Test Drive: Ferrari Racing Legends - 14.99
Pat Sajak's Lucky Letters - 4.99
Indigo Prophecy - 4.99
Project Runway - 9.99
Test Drive Unlimited 2 - 9.99
911: First Responders - 9.99
Backyard Sports: Rookie Rush - 14.99
Ghostbusters: The Video Game - 4.99
Haunted House - 9.99
Ghostbusters: Sanctum of Slime - 4.99
Yars Revenge - 4.99
Star Raiders - 4.99
Puzzler World - 9.99
Rollercoaster Tycoon 2: Triple Thrill Pack - 4.99
Rollercoaster Tycoon 3: Platinum - 9.99
Swashbucklers - 4.99
Tactical Ops - 9.99
The UnderGarden - 4.99
Baldur's Gate Enhanced Edition - 9.99
Rollercoaster Tycoon Pack (Rollercoaster Tycoon 3: plat + Roller coaster Tycoon 2 - 9.99
Test Drive Pack (Ferrari racing + Unlimited 2) - 14.99
Empire: Total War - Gold Edition - 19.99
Napoleon: Total War - Gold Edition - 14.99
Rome: Total War Gold Edition [Mac Download] - 12.5
Tribes: Ascend Game of the Year Edition - 7.49
Inversion - 4.99
Dark Souls: Prepare To Die Edition - 7.49
Ace Combat: Assault Horizon - 7.49
Star Trek - 4.99
RIDGE RACER Unbounded - 4.99
MUD - FIM Motorcross World Championship - 7.49
Pac-Man and the Ghostly Adventures - 19.99
Pac-Man Championship Edition DX+ - 4.99
Enslaved: Odyssey to the West Premium Edition - 9.99
Mishap 2: An Intentional Haunting - 2.49
Mishap 2: An Intentional Haunting - 3.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Antiques Roadshow - 2.49
Burger Time Deluxe - 1.69
Cat Wash - 1.69
Dig Dug - 0.99
Everything Nice - 1.69
Garters & Ghouls - 1.19
Gwen the Magic Nanny - 1.69
Journabullet Journey: The Eye of Odin - 1.69
Knightfall: Death and Taxes - 1.69
Mishap: An Accidental Haunting - 0.99
PAC-MAN - 0.99
PAC-MAN Pizza Parlor - 1.69
Pool Pro Online 3 - 2.49
Star Trigon - 1.69
The Otherside: Realm of Eons - 0.99
Tinseltown Dreams - The 50's - 1.69
Sniper Elite V2 - 5.99
Rogue Trooper - 1.49
Sniper Elite V2 - Kill Hitler DLC Pack - 2.39
Sniper Elite V2 - The Neudorf Outpost DLC Pack - 1.49
Sniper Elite V2 - The Landwehr Canal DLC Pack - 1.49
Sniper Elite: Nazi Zombie Army - 4.49
Sniper Elite: Nazi Zombie Army 4 Pack - 11.99
Sniper Elite V2 Bundle - 9.99
The Lord of the Rings Online: Quad Pack - 19.99
The Lord of the Rings Online: Riders of Rohan - 9.99
The Lord of the Rings Online: Samwise Gamgee's Starter Pack - 6.99
Dungeons & Dragons Online: Shadowfell Conspiracy Standard Edition - 14.99
Dungeons & Dragons Online: Shadowfell Conspiracy Collector's Edition - 24.99
Making History II: The War of the World - 4.99

*Starts 11/28/2013*

http://www.amazon.com/dp/B0098QPPL6 Battlefield 3: Premium Edition - 13.99
http://www.amazon.com/dp/B0087STJLS Battlefield 3: Premium Service - 11.49
http://www.amazon.com/dp/B008MNJYI6 Battlefield 3 Ultimate Shortcut Bundle - 9.49
http://www.amazon.com/dp/B00DNHLFQA Command & Conquer The Ultimate Collection [PC Instant Access] - 7.49
http://www.amazon.com/dp/B009IR1SR0 Command and Conquer The Ultimate Collection - 7.49
NiGHTS into Dreams - 3.39
Sonic Adventure 2 - 3.39
Sonic Adventure 2 Battle Mode DLC - 1.02
http://www.amazon.com/dp/B00AWRPEJI Sonic and SEGA All-Stars Racing Transformed - 4.99
Sonic and SEGA All-Stars Racing Transformed 4-Pack - 14.99
Binary Domain - 4.99
Binary Domain Collection - 7.79
Final Fantasy XIV: A Realm Reborn - 14.99
Final Fantasy XIV: A Realm Reborn Collector's Edition - 24.99
Joe Danger - 5.996
Joe Danger 2: The Movie - 5.996
Joe Danger Bundle - 9.996
Risen - 1.99
Risen 2 : Dark Waters - 3.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 5
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 4.99
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
http://www.amazon.com/dp/B00GJ1XDJY Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.49
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 4.99
BioShock [Mac Download] - 4.99
BioShock 2 [Mac Download] - 4.99
Titan Quest Gold - 3.99
Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Sonic Generations - 7.49
Sonic Generations Casino Night DLC - 0.39
Sonic The Hedgehog 4 Episode 1 - 2.49
Sonic The Hedgehog 4 Episode 2 - 3.7475
Viking: Battle For Asgard - 3.7475
Total War: ROME II - 39.99
Total War: ROME II: Greek States Culture Pack - 5.9925
Warhammer 40,000: Dawn of War II - 4.99
Warhammer 40,000: Dawn of War II - Chaos Rising - 4.99
Warhammer 40,000: Dawn of War II: Retribution - 7.49
Total War Master Collection - 16.99
Warhammer 40,000: Dawn of War II: Complete Collection - 24.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
Batman: Arkham Origins - 19.99
LEGO Marvel Heroes - 19.99

*Starts 11/29/2013*

30 Day Membership: RuneScape 3 [Game Connect] - 3.95
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
RIP Trilogy - 1.24
Specforce - 1.24
Alpha Prime - 1.24
Biathlon 2009 - 1.24
Chains - 1.24
Greed - 1.24
GTI Racing - 1.24
Ice Land 2 - 1.24
Nikopol-Secret of the Immortals - 1.24
Obulis - 1.24
Race Team Manager - 1.24
Space Trader - 1.24
Vigil: Blood Bitterness - 1.24
Winter Sports 2009 - 1.24
Vigil: Blood Bitterness - 1.24
RIP Trilogy - 1.24
Chains - 1.24
Obulis - 1.24
Nikopol-Secret of the Immortals - 1.24
Alpha Prime - 1.24
Deadly 30 - 1.24
Hacker Evolution: Untold - 1.49
The Chosen-Well of Souls - 1.49
Chrome - 1.79
Chrome - 1.79
Battle Mages - 1.99
Gear Grinder - 1.99
Daemonica - 2.49
Shadowgrounds - 2.49
Tank Universal - 2.49
Tank Universal - 2.49
Stellar Impact - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Bridge Constructor - 2.49
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Scratches - Director's Cut - 2.49
Trapped Dead - 2.49
Post Apocalyptic Mayhem - 2.49
Al Emmo and The Lost Dutchman's Mine - 2.49
Australia Zoo Animal Links - 2.49
Avencast: Rise of the Mage - 2.49
Bus Driver - 2.49
Crash Time 2 - 2.49
Dark Matter - 2.49
Future Wars - 2.49
Hacker Evolution - 2.49
Hard Truck: Rise of the Clans - 2.49
Operation Matriarchy - 2.49
Penguins Arena - 2.49
Space Hack - 2.49
Xpand Rally Xtreme - 2.49
Wasteland Angel - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Crash Time 2 - 2.49
Avencast: Rise of the Mage - 2.49
Future Wars - 2.49
Space Trader - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Scratches - Director's Cut - 2.49
Stellar Impact - 2.49
Trapped Dead - 2.49
Penguins Arena - 2.49
Grotesque Tactics 2 Dungeons and Donuts - 2.49
Unstoppable Gorg - 2.49
Battle Mages: Sign of Darkness - 3.79
Hot Dog King - 3.79
Pacific Storm - 3.79
Pacific Storm Allies - 3.79
Shadowgrounds Survivor - 3.79
Pacific Storm Allies - 3.79
Pacific Storm - 3.79
Steller Impact bundle - 3.99
Grotesque Tactics 2 Dungeons and Donuts - 4.99
Big Rig Europe - 4.99
Deer Drive - 4.99
Great Journey - 4.99
Dark Bundle - 6.49
Grotesque pack - 6.49
M4 Danger Pack - 8.29
M4 Family Pack - 8.49
M4 Action Pack - 9.29
Stronghold Crusader HD - 6.99
Space Colony HD - 6.99
BOUNCEBACK- Stronghold HD FREE with Purchase of Stronghold Kingdoms (B0083LD2TE) - 0
Mighty Castle Pack: Stronghold Kingdoms [Instant Access] - 4.99
Top Gun Hard Lock - 2.49
http://www.amazon.com/dp/B00DCDTSRI PAYDAY 2 - 9.99
http://www.amazon.com/dp/B00DGD0DUK PAYDAY 2 4-Pack - 29.99
TAKEDOWN: Red Sabre - 3.68
Brothers - A Tale of Two Sons - 7.49
Marlow Briggs and the Mask of Death - 7.49
How to Survive - 7.49
Fast and Furious: Showdown - 19.99
The Walking Dead: Survival Instinct - 24.99
The Walking Dead: Survival Instinct - Walker Herd Survival Pack - 2.49
Cabela's Bundle - 24.99
Cabela's Dangerous Hunts 2013 - 14.99
Cabela's Hunting Expeditions - 14.99
Caesar III - 1.49
Transformers: Fall of Cybertron - 29.99
Transformers: War for Cybertron - 9.99
Transformers: War for Cybertron - 9.99
Prototype - 9.99
Prototype - 9.99
Prototype 2 - 19.99
Blockland - 4.99
Blockland - 4.99
3,500 Marvelous Coins: Pandora Saga [Game Connect] - 2.5
7,000 Marvelous Coins: Pandora Saga [Game Connect] - 5
14,000 Marvelous Coins: Pandora Saga [Game Connect] - 10
35,000 Marvelous Coins: Pandora Saga [Game Connect] - 25
70,000 Marvelous Coins: Pandora Saga [Game Connect] - 50
3,500 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 2.5
7,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 5
14,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 10
35,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 25
70,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 50
3,500 Marvelous Coins: Battle Space [Game Connect] - 2.5
7,000 Marvelous Coins: Battle Space [Game Connect] - 5
14,000 Marvelous Coins: Battle Space [Game Connect] - 10
35,000 Marvelous Coins: Battle Space [Game Connect] - 25
70,000 Marvelous Coins: Battle Space [Game Connect] - 50
GRID 2 - 15.99
F1 2012 - 12.49
Dirt 3 - 12.49
Dirt Showdown - 14.99
GRID - 7.49
F1 2011 - 14.99
Operation Flashpoint Red River - 7.49
Operation Flashpoint Dragon Rising - 7.49
Overlord - 1.99
Overlord 2 - 4.99
F1 2010 - 12.49
Hospital Tycoon - 1.99
Clive Barkers Jericho - 1.99
Overlord Raising Hell - 4.99
Rise of the Argonauts - 4.99
Maelstrom: The Battle for Earth Begins - 1.99
Damnation - 4.99
F1 Race Stars - 9.79
Codemaster Action Pack - 9.49
F1 2013 - 31.99
F1 2013 Classic Edition - 41.49
Racing Pack (GRID + Dirt 3 + Dirt Showdown) - 9.99
Crysis 3 Complete Pack - 9.99
Dead Space 3 Complete Pack - 15.99
Need for Speed Bundle - 19.99
The Secret World - 10.19
MonstaFish - 1.99
Frozen Hearth - 8.25
Uprising 44: The Silent Shadows - 4.99
Bounders & Cads - 2.49
Tabletop Defense - 3.33
Don't Starve - 7.495
Castlevania: Lords of Shadow - Ultimate Edition - 14.99
Pro Soccer Evolution 2014 -
Kingdom Tales - 6.6933
1953 KGB Unleashed - 9.995
Agricultural Simulator 2012 - 4.995
Bridge Project - 9.995
Farming Giant - 9.995
I Am Vegend - 4.995
Agricultural Simulator 2011 Gold Edition - 3.7475
Chernobyl Terrorist Attack - 2.4975
Farm 2 - 2.4975
GTR Evolution - 3.7475
Hotel - 1.7475
Snowcat Simulator 2011 - 4.9975
Sudokuball Detective - 2.4975
The Surfer - 2.4975
Where Angels Cry - 2.4975
Woodcutter Simulator 2012 - 4.9975
Zooloretto - 2.4975
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Paradox Action Pack - 5.99
Paradox Grand Strategy Pack - 14.99
Aliens vs. Predator - 3.59
Swarm Pack - 1.87
Bughunt - 1.87
Aliens vs. Predator Collection - 5.99
Jet Set Radio - 2.49
Alpha Protocol - 3.74
Space Siege - 3.74
10 Gold: Age of Wushu [Instant Access] - 2.7
100 Gold: Age of Wushu [Instant Access] - 27
200 Gold: Age of Wushu [Instant Access] - 54
30 Gold: Age of Wushu [Instant Access] - 8.1
300 Gold: Age of Wushu [Instant Access] - 81
50 Gold: Age of Wushu [Instant Access] - 13.5
It came from space, and ate our brains - 0.99
Defiance - 4.99
Defiance Digital Deluxe Edition - 14.99
Defiance Digital Deluxe Upgrade - 9.99
Bastion - 3.69
FEAR Ultimate Shooter Edition - 2.49
LEGO Batman - 4.99
LEGO Batman 2: DC Super Heroes - 7.49
LEGO Batman Pack - 11.49
LEGO Harry Potter: Years 5-7 - 4.99
LEGO Harry Potter: Years 1-4 - 4.99
LEGO Lord of the Rings - 7.49
Mortal Kombat Arcade Kollection - 2.49
Scribblenauts Unmasked - 26.79
Vanguard Princess - 2.5
FIFA 14 - 29.99
FIFA 14 [PC Instant Access] - 29.99
FIFA Manager 14 Legacy Edition - 13.99
Need For Speed Rivals - 35.99
SimCity [PC Instant Access] - 29.99
SimCity - Standard (Online Game Code) - 29.99
SimCity Cities of Tomorrow - 26.99
Sega Fun Pack - 9.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
http://www.amazon.com/dp/B00GJ2I1UE LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
http://www.amazon.com/dp/B00GJ2I2GW Scribblenauts Pack - 14.99
Call of Duty: Ghosts - 44.99
Call of Duty: Ghosts Hardened Edition - 99.99
DuckTales: Remastered - 7.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 0.99
Eve Online: Starter Pack - Caldari Explorer - 0.99
EVE Online: Starter Pack - Asteroid Miner - 0.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 0.99
Metro 2033 - 3.74
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 14.99
Saints Row: The Third - 5
Saints Row the Third - The Full Package - 7.5
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
EVE Online: Starter Pack - Plasma Planet Command - 0.99
Battlefield 4 - 29.99
Battlefield 4 [PC Instant Access] - 29.99
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
http://www.amazon.com/dp/B007VFH3BQ Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.99
Assassin's Creed III - 7.49
Assassin's Creed III - 7.49
Assassins Creed III: Deluxe Edition - 14.99
Far Cry 3 Deluxe + Far Cry 3 Blood Dragon Bundle - 14.99
Might&Magic X Legacy Early-Access - 19.99
Far Cry 3 + Far Cry 3 Blood Dragon Bundle - 14.99
Rocksmith 2014 - 39.99
Mortal Kombat Komplete Edition - 14.99


important !important !important
*Starts 11/30/2013*

Party of Sin - 2
Party of Sin - 2
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Darksiders - 3.99
Darksiders II - 9.99
Darksiders II Season Pass (DLC) - 3.99
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
Battlefield 4 - 39.99
Battlefield 4 [PC Instant Access] - 39.99

*Starts 12/01/2013*

Trainz Trouble - 2.49
My First Trainz Set - 4.99
Trainz Simulator 12 - 19.99
Trainz Simulator 2010 Engineers Edition - 4.99
Trainz Simulator: Blue Comet Addon Pack [Game Download - 4.99
Trainz Simulator 2009: World Builder Edition [Game Download] - 2.49
Foursquare - 2.49
Slider - 2.49
Word Jungle - 2.49
Casual Strike - 2.99
Jewel Drop - 2.99
Jewel Labyinth - 2.99
Bible Hangman Quest - 2.99
PlayPets: 101 PuppyPets - 2.99
Sonic everywhere pack - 17.49
Neocolonialism - 4
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99

*Starts 12/02/2013*

Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Metro 2033 - 3.75
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 18.7
Saints Row: The Third - 4.99
Saints Row the Third - The Full Package - 7.49
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
Risen - 1.99
Risen 2 : Dark Waters - 4
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 4.99
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 5
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.5
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 5
Battlefield 3 - 4.79
Battlefield 3 [PC Instant Access] - 4.79
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Company of Heroes 2: Theatre of War - Case Blue DLC Pack - 4.99
Company of Heroes 2 (Digital Collectors Edition) - 49.99
Company of Heroes 2 (Standard Edition) - 29.99
Company of Heroes 2 Barbarossa Skin Pack - 9.99
Company of Heroes 2 Starter Camo Bundle - 3.99
Company of Heroes 2 Starter Commander Bundle - 4.49
Total War Grand Master Collection - 29.99
Sonic Adventure - 2.2375
Crazy Taxi - 2.2375
SEGA Bass Fishing - 2.2375
Space Channel 5: Part 2 - 2.2375
Dreamcast Collection - 6.99
Warhammer 40,000: Space Marine - 6.99
Warhammer 40,000: Dawn of War 1 & 2 Franchise Collection - 29.99
Company of Heroes - 2.49
Company of Heroes - Opposing Fronts - 4.99
Company of Heroes - Tales of Valor - 4.99
Company of Heroes - Complete Pack - 7.49
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.49
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
Mortal Kombat Komplete Edition - 14.99
Skulls of the Shogun: Bone-a-Fide Edition - 4.99


Video Games Deals

Amazon Coupons
Saks Fifth Avenue OFF 5TH ($20 off $40 or $30 off $60) Groupon
Added on : Tuesday November 19th 2013 07:00:06 PM
g: -1 Posted By: JayMatt19
Views: 0 Replies: 0 https://www.groupon.com/reserve/private/saks-fifth-avenue-off-5t... Fifth Avenue OFF 5TH keeps two primary thrills of shopping alivethat is, the thrill of finding coveted luxuries and the thrill of finding a deal. Buyers curate a wide selection of trends fresh from the runways, then offer them at 40% to 70% off retail, supplying shoppers with a steady stream of delightful discoveries and the feeling that they've been let in on a major style secret. Today's Reserve selection invites you to catch the spirit of discovery with a choice between the following options:

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Groupon Coupons
g: 7 Posted By: bru20
Views: 154 Replies: 3 Use the Amazon appstore website to be sure it works properly. Won't work if bought direct from some phones/devices.

"Buy" the CastleVille Legends [Kindle Tablet Edition] *make sure it is still $0.00* and receive 110 free Amazon coins. No matter if it says its not compatible with your device, complete the purchase and you will receive your coins. You don't need to install the app, just "purchase".Check coin balance buy selecting a paid app that is eligible for purchase with coins and your balance will be shown.

Link
Apps Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 372 Replies: 0 http://www.amazon.com/dp/B00COGYQY4/

Breakthrough talent management techniques! 5 authoritative books bring together the state-of-the-art in finding, growing, and keeping world-class people!

Talent is everything and finding, growing, and keeping the best talent has never been more difficult. This 5-book collection brings together powerful new insights, techniques, practices, and skills for improving the way you manage talent in any organization, industry, or environment including the talent that matters most. (Yours!) In 17 Rules Successful Companies Use to Attract and Keep Top Talent, renowned workforce expert David Russo identifies exactly what great organizations do differently when it comes to managing their people. He distills these differences into 17 rules for everything from resourcing and compensation to leadership development, risk-taking to change management. Next, he shows how to apply these rules in your organization, whether youre large or small, high-tech or low-tech, for-profit or non-profit. Then, in Talent Force, Rusty Rueff and Hank Springer help you systematically get the right talent into the right place at the right time. Youll learn how to develop and implement a world-class talent plan that aligns with business objectives, and identify metrics for tracking and optimizing progress. Discover how candidates are using technology to evaluate new opportunities, benchmark compensation, and create new back-channels of communication about worklife and learn how to use these technologies yourself to grow the worlds best Talent Force. In The Truth About Hiring the Best, Cathy Fyock reveals 53 proven hiring principles for identifying, reaching, and recruiting the very best. Fyock helps you find hidden talent sources make great people want to work with you choose amongst the great new people youve found, while building great relationships with strong candidates you dont hire. Next, in The Truth About Getting the Best From People, Second Edition, Martha Finney 60+ proven principles for achieving unprecedented levels of employee engagement. This new edition features more than 15 new truths including: managing virtual teams, building persuasive skills, tuning into your own unconscious biases, managing multiple generations, and identifying and cultivating individual high performers. Not feeling empowered enough to do all this? Vince Thompsons Ignited! reveals gathering forces that are re-empowering you right now. Thompson outlines realistic steps for leveraging networks and resources to transform your own visions into reality, and accomplishing powerful goals only you can achieve. He offers new tools for leading from the middle expanding your influence and overcoming traps connecting your passions with business goals mastering all your new roles: linkmaker, process master, pilot, healer, bard, scout, and translator!

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Books Deals

Amazon Coupons
*** DEAD *** FREE Kindle Book - The No B.S. Guitar Advantage was $9.99
Added on : Monday November 11th 2013 12:00:05 AM
g: 0 Posted By: archena
Views: 511 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The No B.S. Guitar Advantage: Secret Strategies Most Guitarists Will Never Tell You About To Go From Beginner To Head-turning Guitar Player Faster Than You Ever Thought Possible [Kindle Edition] was $9.99

Johnny Lee (Author)

http://www.amazon.com/dp/B00GFT5HSK

Publication Date: November 3, 2013

6 Reviews ★★★★.5


#1 in Kindle Store > Kindle eBooks > Arts & Photography > Music > Instruments & Performers > Guitar

Are you a beginner to intermediate guitar player looking to improve your guitar playing faster and easier?

Learn your favorite songs? Play for your friends and family? Jam with other musicians? And even write and share your own songs?

This could be the single most important book you read all year. Join the thousands who have already discovered the secrets to effectively teaching themselves the guitar in their own spare time. For the first time ever, expert guitar hacker Johnny Lee reveals his little-known secrets for mastering the guitar at home, even if you possess no innate talent to begin with and hate the idea of being disciplined. In these 12 exciting lessons, youll finally learn how to do it all without struggle without complicated theory without boring lessons and without paying thousands for expensive lessons (yet still get equal or better results).

Heres what youll learn inside:

* Where to begin if youre just getting started.

* The 6 most common mistakes made by beginner guitarists.

* How to ensure youll lay the proper foundation and avoid forming bad habits.

* Pit-Stop Practice: A scientifically proven method of structuring your practice for maximum growth in the minimum possible time. This alone is worth 10X the price of this book.

* Why practice, practice, practice can actually hurt your ability to learn the guitar properly if youre a beginner/intermediate. Not understanding this can virtually guarantee you end up quitting sooner or later.

* A mental trick you can use instantly to ensure youre fingers are moving properly at all times (in a relaxed, tension-free way) while allowing you to play faster and smoother.

* Why choosing the wrong guitar to practice with could prevent you from ever playing with ease and confidence (and an inexpensive way to modify the guitar you currently have if you cant buy a new one).

* The surprising truth about talent and whether you need it for learning the guitar.

* Why using YouTube and other guitar websites have proven time and again to cause beginner guitar players to block their own lack of progress the 6-word solution to fix it (This could be life-changing for anyone who uses the internet to learn guitar.)

* 6 guaranteed ways to have more fun today, even if youre still in the beginning stages of learning the guitar.

* The simplest, most powerful way Ive ever discovered to immediately put your guitar learning on steroids that anyone can use in 5-minutes.

* How to develop speed without losing accuracy (believe it or not a metronome is not actually made for increasing your speed. Ill show you a free tool that IS.

* How to overcome any fear of playing in front of other people (this lesson has frequently been called the best article Ive ever read by guitar players of any age)

* And much much more

Been looking for a better way to learn guitar? Its finally here. And best of all, its been proven effective by guitarists of ALL ages. See for yourself


About the Author
Johnny Lee is a lover of music, guitarist, songwriter, and creator of the No B.S. Guitar website, the best-kept secret of self-taught guitarists from over 73 different countries.
When he first started learning guitar, he spent the first 3 years really struggling and sounding terrible. He couldn't play like he wanted, and even felt like giving up. But luckily, he didn't. Instead, he went looking for a "guitar teacher". Someone to show him how it was really done.

After wasting a ton of time and money on three different guitar teachers... one a "guitar guru" who even had his own column in Guitar World magazine... and still not being able to perform a single song cleanly from beginning to end... he eventually tried a different approach. He found a non-guru... a 23-year old jazz-guitar prodigy... and started taking lessons with him. Within 4 or 5 lessons, this new teacher helped him turn it all around and make more progress in 6 weeks than he had previously made in 6 months. The rest was history.

Johnny was able to teach himself the guitar, effectively, from that point forward, never paying for a single lesson more. He quickly went on to perform regularly at a local cocktail bar, to the astonishment of his friends.

In 2010, Johnny started No B.S. Guitar to see if the strategies he discovered could be used by other guitar students to improve their ability to learn, just as they did for him. What happened next was astounding. In a matter of months, the emails came pouring in. Case after case... people were sharing their success stories on how these ideas had changed their playing and their lives... all in a very short time.

Since then, No B.S. Guitar has matured into one of the premier sources of accurate information, useful knowledge, and uplifting inspiration for scores of self-taught guitarists from over 73 different countries. Johnny's lessons have appeared on top guitar websites such as Ultimate-Guitar, GuitarNoise, and many others.
Books & Magazines Deals
Veteran's Today ONLY 11/09 10% Off Your Entire Purchase* Big Lots stores
Added on : Saturday November 09th 2013 10:00:01 AM
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 Saturday November 9th, Veterans Get10% Off Your Entire Purchase*JUST SHOW YOUR MILITARY ID* AT CHECKOUT

To thank the men and women -- past and present -- of our Armed Services, Big Lots is celebrating Veterans Day by offering 10% off all purchases* when you show a valid military ID**. This offer is also open to all retirees and families of active duty personnel. Just show your valid military ID* for this same great discount.

*Discount does not apply to previous transactions, previously initiated price holds, non-purchases such as rentals, deposits and charitable donations, purchases of milk, dairy products, eggs, or alcohol, and purchases of gift cards, and cannot be used in combination with any other coupon, associate discount or other discount such as Buzz Club Rewards redemptions. Value is forfeited if item is returned. By showing ID to receive discount, customer unconditionally agrees that decisions of Big Lots are final on all matters of interpretation, fact and procedure in respect of discount and validity of ID. Valid only on in-stock goods. Void where prohibited. No cash value or Cash Back. Offer valid 11/09/2013.
http://www.biglots.com/p/c/as-advertised/veterans-10-percent-off

**Valid military IDs include: Veterans Organization Card (i.e. American Legion or VFW, etc.), Form DD-214 (Military discharge/separation document), US Uniform Services ID, US Uniform Services ID (retired), commissary and Exchange ID, VA Benefits Card, Dog Tags.
g: 1 Posted By: thx
Views: 249 Replies: 3 Let the Snow Fly

Keep yourself dry out on the mountain with the Maker Pop Cargo Insulated Ski Pants. These pants are made with a nylon material that features fully taped seams and a 5k waterproof and breathable rating to keep you dry while out on the hill. These pants feature 60 grams of insulation to keep you toasty warm. If things get a touch warm, you can regulate your body temperature by utilizing the thigh zip venting, simply un-zip and let a little air flow through to cool you down. There are cargo pockets and front and back pockets for plenty of storage space for your belongings and the articulated knees give you a better fit and provide added mobility so you stay comfortable no matter what activity you are participating in. The lower leg gusset on the Marker Pop Cargo Insulated Pants provide you with extra snow protection to keep you warm and dry.

Brushed Tricot Lined Pockets
Lower Leg Gusset with Internal Powder Cuff
Gripper Elastic
Marker Logo D-Ring
Scuff Guards
Waterproof Zippers

Type:Insulated
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Cut:Regular
Exterior Material:Nylon
Lining Material:Brushed Tricot
Insulation Weight:60g
Waterproof:Moderately Waterproof (5000mm-19,999mm)
Waterproof Rating:5,000mm
Breathability:Moderate Breathability (4000g-8999g
)Breathability Rating:5,000g
Taped Seams:Fully Taped
Thigh Zip Venting:Yes
Articulated Knee:Yes
Suspenders:None
Waist:Adjustable
Full Zip Sides:No
Warranty:Lifetime
Model Year:2012
Product ID:316907

$49.99 Today only, as a Black Friday Preview item
available in sizes S, M, XL (Size L available at regular $79.99 sale price)


Clothing Deals
g: 9 Posted By: archena
Views: 1007 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
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g: 0 Posted By: bpvh
Views: 180 Replies: 0 Office Depot rebate software for the week of 11/03/2013 ($3AR, $5AR, $10AR and two titles $15AR)


Will update with the rebates later.


System Suite 12 Professional [494797] $52.99
++ $2.99 After $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

WebEasy 8 Professional [485613] $49.99
++ $4.99 After $35 Mfr. Mail-In & $10 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Photo Explosion Deluxe 5.0 [891709] $49.99
++ $9.99 After $20 Mfr. Mail-In & $20 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

Greeting Card Factory Deluxe 8.0 [485379] $49.99
++ $14.99 After $15 Mfr. Mail-In & $20 Mfr. Mail-In Savings
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.

McAfee Total 3499 Protection For 3 PCs [106319] $74.99
++ $14.99 After $5 Instant & $60 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

====================
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Office Depot Coupons
g: 0 Posted By: archena
Views: 86 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
GUNS, Stoeger Cougar (Beretta Subsidary), 9MM 15RD pistol, $369 @ Bud's
Added on : Wednesday November 06th 2013 05:00:03 PM
g: 0 Posted By: Logan71
Views: 56 Replies: 0 I have this pistol and it made by Stoeger - a reincarnation of the Beretta 8000-series pistols made by a subsid of Beretta.

I am very happy with mine, and paid $40 more than this several years ago. The rotating barrel helps with accuracy and its easy to disassemble and clean.Thought the description is confusing, mine is SA/DA, not solely DA.

Good luck...

Link

Description:

The Stoeger Cougar double-action, auto-loading pistol with no-nonsense, rugged performance you can rely on when it matters most.
Stoegers standard, quick-read, three-dot sight system is designed for fast Target acquisition.

The ambidextrous safety and decocking lever is easily accessible to the thumb of a right-handed or left-handed shooter.

The rotary-locking principle used in the Stoeger Cougar has been proven in the service pistols of several nations. The barrel stays in one plane, increasing accuracy.

Action: Double/Single action

Magazine: 2 high-capacity magazines .40 S&W, 11-round; 9mm, 15-round

Safety: Ambidextrous safety lever

Sights: White 3-dot sights
Model: 31700
Stoeger COUGAR 9MM

15-rd capacity

Black Bruniton Finish
Cardcash suing me?
Added on : Wednesday November 06th 2013 04:00:08 PM
g: 0 Posted By: skwz
Views: 60 Replies: 1 I received this email today
Re: Plaintiff: CARDCASH LLC CASE REF #: xxxxxx

skwz

It has been brought to our attention that the Toys R Us cards that you sold were redeemed in your location shortly after selling it to us. This is a federal offense of selling stolen goods across state lines, and we are at a loss of $17.160.We are already working with the proper authorities, and will be opening a further investigation into the matter in order to prosecute you to the fullest extent of the law.We will be reaching out to the California Division of Investigation,local law enforcement agencies, and the Toys R Us fraud prevention team,all of whom we have worked with in the past.As a standard procedure I am contacting you to to give you a chance to compensate us before we turn over the investigation to them. Any cooperation on your part will go a long way towards our dropping the charges.

Email was fromRobert M. Shor<robert@cardcash.com> so I don't think this is spam

Background: I bought these Toys R Us gift cards (~$250) from google offers and didn't redeem them. I cashed them into Cardcash this summer after they've been sitting for around 1 year.They deposited money into my paypal account which I quickly transferred to my bank account. I have the emails of the gift card purchasesfrom google offers showing that I indeed pruchased the GC's.

Do they have a legitimate case against me? Any advice would be appreciated!
Personal Finance Deals
Home Insurance asking for repair proof for uncovered incident
Added on : Wednesday November 06th 2013 08:00:21 AM
g: 0 Posted By: wishforme
Views: 196 Replies: 2 During severe rain my basement got flooded. Although we were aware that our insurance does not cover this incident, we called them to confirm it is the case. Once insurance company confirmed that it is not covered we stopped the communication with insurance company. Fast forward 3 months and now I got letter from my insurance company stating that they need proof of repair in terms of photograph. Letter suggests that if we don't provide proof then they may cancel or stop renewal of my policy.

Current situation of basesment:
Currently we have removed all the damaged things(carpet and drywall) from our basement and it just has wooden subfloor and metal stud left in the basement. We will take time to complete refinishing since we are in the process of exploring various options.

Questions:
Could someone suggest what I should communicate with my insurance regarding this matter? I thought about getting insurance from other company but I am sure that they will ask for inspection of house.
Is that ok if I project my basement as unfinished one till I get it refinished? Any pros and cons with this?

Personal Finance Deals
*** DEAD *** FREE Kindle Book - Take Back Your Money was $9.99
Added on : Wednesday November 06th 2013 05:00:18 AM
g: 10 Posted By: archena
Views: 1364 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Totally Free Deals
g: 6 Posted By: archena
Views: 2019 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Hike Your Own Hike: 7 Life Lessons from Backpacking Across America (WanderLearn Series) [Kindle Edition] was $9.99

Francis Tapon (Author)

http://www.amazon.com/dp/B002MH4K00

Publication Date: August 27, 2012

Publisher: WanderLearn Press

50 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Travel > United States > Regions

#2 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help

Francis Tapon sought wisdom when he quit his Silicon Valley job, donated most of his belongings, and set off to hike the Appalachian Trail. He and his hiking partner, Lisa Garrett, traversed the 2,168 mile footpath by walking for nearly four months from sunrise to sunset. The pilgrimage gave him insights that not only apply to backpacking, but to life itself. It also taught him that there sure are easier ways to go from Maine to Georgia.

While you enjoy the intense journey, youll learn: Why the Appalachian Trails credo is relevant to your life.

- How to control your finances.
- How to discover and pursue your passion.
- How to avoid costly mistakes and conquer your fears.
- How to dramatically improve your health.
- Why the Appalachian Trail teaches you more about human nature than Mother Nature.
- How to shrug off misfortune and live stress free.
- Why mosquitoes just want to be your friend.

Packed with a map, photographs, sidebars, and self assessment quizzes!

Francis Tapon knew he had a good lifehe had a great career, fantastic friends, a nice home, and a cool electric shaver. However, something was missing. His life was good, but not great. It was quite predictable and safe, but thoroughly uninspiring. He wondered how to take his life to the next level.

He thought it would be smart to do what the sages do: hang out in the woods for several months and get some wisdom. Although he ultimately found wisdom, finding it wasnt as easy or as romantic as all those spiritual books say it is. They neglect to mention that during the hot humid summer months theres no air conditioning in the woods.

Hike Your Own Hike balances the story of an adventurous and insightful trip across the Appalachian Mountains with practical advice on how to squeeze the most out of life both on and off the trail. Its enlightening, educational, and entertaining. Its a
serious book that doesnt take itself so seriously.

Hiking the entire Appalachian Trail in one season has soared in popularity over the last 20 years. Compared to 1986, there are eight times more people trying to thru-hike it! What accounts for this phenomenon?

Today people are overly stressed and need a break to return to the fundamentals. Feeling disconnected from the rhythms of life, hikers go on multi-month trails to recalibrate their perspective and to remind themselves of what really matters.

Hike Your Own Hike is about an incredible pilgrimage, what we can learn from it, and how to enrich our lives without getting too muddy.

Francis is donating 50% of his book royalty to the Appalachian Trail, the Pacific Crest Trail, and the Continental Divide Trail. So even if you dont think youll like this book, buy it anyway so you can support those trails.

This is definitely not your ordinary Appalachian Trail thru-hike memoir.
Brian T. Fitzgerald, Chair, Appalachian Trail Conservancy

Francis Tapons book is a marvelous addition to the very best outdoor and personal development books available. Against the backdrop of a rich and unique journey along the Appalachian Trail, Hike Your Own Hike offers the reader a wealth of
practical how-tos blended masterfully with the wisdom of the ages. This isnt another boring hiking guidebook, its a wonderful
guidebook for life. Kim and Demetri Coupounas, Co-Founders, GoLite

Dont expect a dull trail log. Dont expect a humdrum self-help book. Instead, expect to laugh and learn as Hike Your Own Hike weaves practical wisdom with an epic journey as the backdrop.Dave Roberson, President and Chief Operating Officer of Hitachi Data Systems

Its hard to imagine a book that combines the strengths of Bill Brysons "Walk in the Woods" and Stephen Coveys "7 Habits of Highly Effective People," but "Hike Your Own Hike" has done it! Marco Iansiti, Harvard Business School Professor.
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FREE Kindle Book - Take Back Your Money was $9.99
Added on : Tuesday November 05th 2013 07:00:14 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
ACA Subsidy, with volatile and complicated income stream?
Added on : Monday November 04th 2013 03:00:06 PM
g: 0 Posted By: TravelerMSY
Views: 0 Replies: 0 How are you supposed to choose a ACA plan for 2014, if you have a volatile income stream and don't know if you'll qualify for the subsidy or not?

From what I am reading, they try to estimate it based on 2013 or even 2012 income, but it ultimately gets reconciled on your 2014 return. To further complicate matters, I'm in a state that didn't expand Medicaid, so there' nothing for me if MAGI falls under 11k. And it does look like there are caps on how much you're required to pay back if you judge your income incorrectly but still have income < 400% fed poverty level.

I do have some latitude to boost my AGI through doing Roth conversions if I have a low income year. And is the subsidy separate from what you actually spend on premiums? IE- do you still get the max amount of subsidy even if you didn't spend it all on premiums?

Sorry for another ACA thread.
g: 2 Posted By: archena
Views: 158 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Pre-order now may not be FREE on Relase Date

Mollie Katzen's Sunlight Cafe: Breakfast Served All Day (Mollie Katzen's Classic Cooking) [Kindle Edition] worth $29.99

Mollie Katzen (Author)

http://www.amazon.com/dp/B00FX2Z42Y

Publication Date: November 19, 2013

Publisher: Hyperion

15 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Meals > Breakfast

Breakfast is back! And Mollie Katzen's Sunlight Caf offers tasty, protein-rich, meatless breakfasts to boost your energy level and get you going first thing in the morning--or any time of the day. Mollie Katzen provides simple, mouth-watering, healthful recipes and menus for every day of the week, whether you are preparing a sit-down brunch for ten, breakfast-on-the-go for kids running late, a light bite after a late night, or a luxurious breakfast in bed.

About the Author
Can there possibly be anyone left in the U.S. who hasn't heard of Mollie Katzen? Or if not Mollie herself, at least her first cookbook, the now classic Moosewood Cookbook? Few writers have reached so broad an audience with a healthy-cooking, pro-vegetarian message. Ms. Katzen's latest effort, Sunlight Caf, turns breakfast into a healthy, fulfilling showpiece meal, a morning sanctuary for assembling the day. She explains how to do this, no matter what your time crunch or disinclination might be. And in an introductory essay called "Breakfast for Metabolic Health," she explains why.

Lavishly illustrated throughout with Mollie's luminous paintings, Mollie Katzen's Sunlight Caf is divided into 12 chapters of breakfast fare, including yogurt and cheese, griddled foods, muffins and biscuits, eggs and tofu, whole grain cereals, homemade breakfast bars and coffee cakes, puddings and custards--and much more. In addition to showing you exactly how to make the perfect omelet or the crispiest waffles, Mollie offers irresistible recipes that range from the familiar Winter Fritata with Red Onions, Red Potatoes, and Goat Cheese, to the favorite Gingerbread Pancakes, to the surprising Basmati Almond Muffins, and on to irresistible Crispy Southwest Polenta Hash. And Mollie's energy-packed Peanut Butter Chocolate Chip Oatmeal Protein Bars are certain to become a ray of sunshine in any kitchen.
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Is paying for AAA worth it?
Added on : Saturday November 02nd 2013 11:00:05 AM
g: 1 Posted By: GuP
Views: 94 Replies: 4 I am in the tristate area and wanted to get some input whether it is worth it to pay for AAA for a family of four. If I sign up the 4 drivers, it comes to about $150 for the whole year. Any input on the matter would be appreciated. Thanks.
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Amazon AppStore - 7 Free Haunting Hits Apps + Free Amazon Coins
Added on : Thursday October 31st 2013 09:00:10 AM
g: 0 Posted By: Maestro4k
Views: 176 Replies: 0 Amazon's got a special today in their AppStore for 7 free apps, each app also gives you 20 free Amazon Coins when you purchase them. (Doesn't matter if you install them, just purchasing them gives you the coins.) This may only be available to Kindle Fire owners, but there's no terms or conditions links I don't know for sure.

The apps are located here.

Free apps included are

Zombie Highway (No Ads)
Slender Man! Chapter 1: Alone
Age of Zombies
Ghost Radar: Connect
Greedy Spiders
Zig Zag Zombie HD (Kindle Tablet Edition) - Zombies, Vampires, Ghosts, and More!
Zig Zag Zombie

You can buy both Zig Zag Zombie versions if you have a Kindle Tablet on your account.
I picked them all up, I didn't really want any of the apps, but I can always use the 140 coins on something I do want later.

Free Apps Deals
g: 0 Posted By: Mavrick88
Views: 0 Replies: 0 Hit the Like button on FB to enter!
Advanced Auto Parts - Enter to Win a $300 AAP Gift Card and $200 in free gas! Good Luck!

TO ENTER: Beginning 12:00:01 a.m. ET on October 28, 2013 through 11:59:59 p.m. ET on November 3, 2013 (the Promotion Period), you may enter the Advance Auto Parts Halloween Sweepstakes (Promotion) by going to the Advance Auto Parts Page on Facebook (www.facebook.com/Advanceautoparts). Once there, click on the Sweepstakes link to access the Promotion application. You must like the Advance Auto Parts Page on Facebook to access the Promotion application. Once you have accessed the Promotion application, follow the onscreen instructions to complete your entry. You can also enter by sending an e-mail to webcare@advance-auto.com with your name, address and e-mail address. Limit one entry per person/ e-mail address/phone number per the week long entry period regardless of the method of entry. For purposes of this Promotion, the week long entry period begins at 12:00:01 a.m. ET and ends at 11:59:59 p.m. ET. No robotic, programmed, script, macro or other automated entries. Multiple entries in a week long entry period, including multiple entries by the same entrant using different e-mail addresses, will invalidate all entries submitted by that entrant for the week long entry period. This Promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. You are providing your information to the Sponsor and not to Facebook. As such, please direct any questions, comments or complaints regarding the Promotion to the Sponsor at Advance Auto Parts, Attn: Marketing Department,5008 Airport Rd., Roanoke, VA 24012.

WEEK PRIZE DRAWING: To be eligible for the prize drawing, an eligible entry must be received and recorded by Sponsors computer during the corresponding week long entry period. One (1) Prize winner will be randomly selected in the prize drawing from all eligible entries received for the corresponding week long entry period. The prize drawing will take place approximately one day following the entry period. Drawing will be conducted by Advance Auto Parts whose decisions shall be final in all matters relating to this Promotion.

PRIZES/ODDS OF WINNING: One (1) Prize, per entry period: $300 Advance Auto Parts Gift card and $200 Gas Gift Card. Gas card winner each must select one of five gas cards (BP, Shell, ExxonMobil, Sunoco or Chevron), at time of entry. Redemption of gas card subject to terms and restrictions set by the issuer. Limit: one Prize per person or household for the entire Promotion Period. Odds of winning the Prize depend on the total number of eligible entries received for the prize drawing.No prize substitutions permitted, except by Sponsor, who may substitute a prize of equal or greater value if advertised prize becomes unavailable. Total Approximate Retail Value of all prizes: $500.00.
g: 0 Posted By: archena
Views: 69 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Hike Your Own Hike: 7 Life Lessons from Backpacking Across America (WanderLearn Series) [Kindle Edition] was $9.99

Francis Tapon (Author)

http://www.amazon.com/dp/B002MH4K00

Publication Date: August 27, 2012

Publisher: WanderLearn Press

50 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Travel > United States > Regions

#2 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help

Francis Tapon sought wisdom when he quit his Silicon Valley job, donated most of his belongings, and set off to hike the Appalachian Trail. He and his hiking partner, Lisa Garrett, traversed the 2,168 mile footpath by walking for nearly four months from sunrise to sunset. The pilgrimage gave him insights that not only apply to backpacking, but to life itself. It also taught him that there sure are easier ways to go from Maine to Georgia.

While you enjoy the intense journey, youll learn: Why the Appalachian Trails credo is relevant to your life.

- How to control your finances.
- How to discover and pursue your passion.
- How to avoid costly mistakes and conquer your fears.
- How to dramatically improve your health.
- Why the Appalachian Trail teaches you more about human nature than Mother Nature.
- How to shrug off misfortune and live stress free.
- Why mosquitoes just want to be your friend.

Packed with a map, photographs, sidebars, and self assessment quizzes!

Francis Tapon knew he had a good lifehe had a great career, fantastic friends, a nice home, and a cool electric shaver. However, something was missing. His life was good, but not great. It was quite predictable and safe, but thoroughly uninspiring. He wondered how to take his life to the next level.

He thought it would be smart to do what the sages do: hang out in the woods for several months and get some wisdom. Although he ultimately found wisdom, finding it wasnt as easy or as romantic as all those spiritual books say it is. They neglect to mention that during the hot humid summer months theres no air conditioning in the woods.

Hike Your Own Hike balances the story of an adventurous and insightful trip across the Appalachian Mountains with practical advice on how to squeeze the most out of life both on and off the trail. Its enlightening, educational, and entertaining. Its a
serious book that doesnt take itself so seriously.

Hiking the entire Appalachian Trail in one season has soared in popularity over the last 20 years. Compared to 1986, there are eight times more people trying to thru-hike it! What accounts for this phenomenon?

Today people are overly stressed and need a break to return to the fundamentals. Feeling disconnected from the rhythms of life, hikers go on multi-month trails to recalibrate their perspective and to remind themselves of what really matters.

Hike Your Own Hike is about an incredible pilgrimage, what we can learn from it, and how to enrich our lives without getting too muddy.

Francis is donating 50% of his book royalty to the Appalachian Trail, the Pacific Crest Trail, and the Continental Divide Trail. So even if you dont think youll like this book, buy it anyway so you can support those trails.

This is definitely not your ordinary Appalachian Trail thru-hike memoir.
Brian T. Fitzgerald, Chair, Appalachian Trail Conservancy

Francis Tapons book is a marvelous addition to the very best outdoor and personal development books available. Against the backdrop of a rich and unique journey along the Appalachian Trail, Hike Your Own Hike offers the reader a wealth of
practical how-tos blended masterfully with the wisdom of the ages. This isnt another boring hiking guidebook, its a wonderful
guidebook for life. Kim and Demetri Coupounas, Co-Founders, GoLite

Dont expect a dull trail log. Dont expect a humdrum self-help book. Instead, expect to laugh and learn as Hike Your Own Hike weaves practical wisdom with an epic journey as the backdrop.Dave Roberson, President and Chief Operating Officer of Hitachi Data Systems

Its hard to imagine a book that combines the strengths of Bill Brysons "Walk in the Woods" and Stephen Coveys "7 Habits of Highly Effective People," but "Hike Your Own Hike" has done it! Marco Iansiti, Harvard Business School Professor.
Totally Free Deals
When to sell Bond Index?
Added on : Wednesday October 30th 2013 06:00:10 AM
g: 0 Posted By: Muscle
Views: 56 Replies: 0 I'd like to change my AA soon which will consist of selling $4.5k of Bond Market Index fund. If I sell in January 2014, I will have held the bonds for anywhere from 1-2.5 years. About 2/3 of the bond fund is US gov (if that matters at all).

My question is when is the 'best' time in the near future (the sooner the better) to sell this bond fund? Is there a specific maturation date for bond funds and does it even matter? For instance REITs and certain 'income' funds pay on a specific schedule (monthly, quarterly, etc), so if I'm better off waiting until end of January for instance vs. end of December for a large dividend, that would make more sense.

TIA
Question Deals
GUNS, Kimber Stainless Ultra Carry II pistols .45 ACP, for $776 @ KYgun
Added on : Tuesday October 29th 2013 05:00:04 PM
g: 0 Posted By: Logan71
Views: 102 Replies: 0 It's pretty. It's pricey. After all, it's a Kimber. Still, seems like a good price considering the competition.

Size matters in a concealed carry pistol. Reduced dimensions and light weight are as important as magazine capacity and power. Kimber Ultra Carry pistols in .45 ACP and 9mm have it all, and put it together in a 1911 package that simply outperforms any other type of semi-auto.

Link


Guns & Ammo Deals
Free- Hire Amazing Employees [Kindle Edition] was $14.95
Added on : Tuesday October 29th 2013 01:00:04 AM
g: 0 Posted By: remick
Views: 128 Replies: 0 http://www.amazon.com/Hire-Amazing-Employees-ebook/dp/B00CJIXIWI

Companies are hiring again! Unfortunately, we have entered into the Talent Wars era. U.S. employers are already experiencing difficulties finding candidates with the required experience, skills, and interests. Its only a matter of time before more companies must seriously review their hiring practices. By then, it may be too late!

It costs time, money, and energy to hire. It costs even more if its the wrong person. Hire Amazing Employees, Second Edition, outlines a strategic process for ensuring youre attracting and hiring the right one.
Books Deals

Amazon Coupons
g: 2 Posted By: VivYip
Views: 418 Replies: 1 Sam's Club has a box of 200 gloves for $10.98/box; in-club only.

This is the regular price, but I think this is a deal overall for people who use these gloves for general purpose use in the lab. Unless a lab uses a really good quote, this is a deal mostly because the box is of 200 and most nitrile glove boxes are sold in boxes of 100. The closest price I could find was around $5.59/box of 100 from glovenation.

Simply Right Nitrile Exam Disposable Gloves - Latex Free / Powder Free - Size Medium - 200 gloves
Small
Large
Specifications
Medical Examination Grade
Not made with natural rubber latex
Ideal for a wide variety of tasks, including first aid, cleaning, pet care, and food handling

Textured fingertips for better grip
Improved dexterity for easy handling of small tools
Powder Free
Ambidextrous

Supposedly, Amazon might have small as low as $4.44/box but the page is not coming up well for me (using chrome, if that matters) but otherwise, I believe the Sam's Club nitrile gloves will get the job done for most lab work. If there are cheaper powder free nitrile gloves, then please mention it in a reply below.

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

Sams Club Coupons
g: 0 Posted By: Gambit3
Views: 134 Replies: 0 Lola & Company 3-in Center-to-Center Champagne Distressed Arched Cabinet Pull $1.12 @ Lowe's. WAS $7.97

GREEN if you think this is a Hot Deal, please.
3-in Center-to-Center Champagne Distressed Arched Cabinet Pull

The Legacy Distressed Collection features a rustic look and feel in classic shapes
Originally designed for Mediterranean kitchens, this line can be used in many settings
Infuse timeless warmth and elegance into your home with these stunning knobs and pulls
Designed for use with drawer fronts and cabinets
1" and 1.5" screws included
Diameter is 8/32"
...Because style matters

Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: bpvh
Views: 142 Replies: 0 Office Depot rebate software for the week of 10/27/2013 (2 McAfee titles: $9AR and $10AR)


McAfee Internet Security 2014, For 3 PCs, eCard [101324] $61.99 LINK
$9.99 After $8 Instant & $52 Mfr. Mail-In Savings


McAfee Total Protection 2014, eCard [106292] $54.99 LINK
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


Select Energizer Max Alkaline Batteries Multipacks [416545 / 576827] $7.79
GET AN $8 MFR. MAIL-IN REBATE when you buy 2 multipacks.


DETAILS TO FOLLOW


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

****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

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

Office Depot Coupons
Corp-To-Corp vs 1099 and Unemployment Tax Issues
Added on : Wednesday October 23rd 2013 10:00:10 AM
g: 0 Posted By: robronson
Views: 1 Replies: 0 I've recently started in the traveling IT consulting space. I want to avoid working as a W2 of an employer directly for several reasons:

1) No children, no family, so "Cadillac" health plans are wasted compensation.

2) I intend to max out retirement plans as much as possible. Many more options if not W2ed.

3) Opportunities to deduct several purchases such as new phones, laptops, etc. For my personal life I run a dirt-cheap crappy prepaid phone at 10 cents a minute. If I get a W2 job, they'll expect me to buy my own cell phone and pay for my own minutes, but I can't deduct that. As a 1099, I can buy a new phone, new phone plan, keep my existing 10cents a minute plan for personal use, and deduct the new phone/plan 100%.

I was dead set on 1099 until I learned about Corp-to-Corp, which seems like some staffing firms require that I would use in stead of a 1099. I've done some research on Corp-to-Corp but most of it seems to be tailored to the non-Fatwallet crowd who gives the federal government an interest free loan each year and is excited at tax return time to get "free money." Thus, I am proposing the question here about Corp-to-Corps because I imagine there's some high level operators doing some nifty things with them.

I do have a few specific questions and would like to open the floor to general comments on pros/cons.

1) If I'm the only person working through this corp, does it matter if I use S-Corp versus LLC?

2) Does my corp hire me as a W2 of the corp, or contract me as a 1099 of the corp, or is either allowed?

3) Are 1099s exempt from unemployment taxes (and subsequently, benefits if eligible?)

4) How does unemployment work on a corp-to-corp if I'm the sole W2 employee of my corp? From my research it appears I'll be on the hook for around $500 per year for state/federal UI insurance, at least for the first 2.5 years and then it may get cut in half or so. I ran the numbers on UI insurance, and assuming I was legally able to decide on W2 versus 1099 within my Corp-to-Corp, it seems like UI insurance is a good deal for me for several reasons:

a) You're only taxed up to the first $7k or so of income, but the maximum benefits of UI are not realized until around $40k of income. Thus, unlike social security where you're negatively penalized for making too much with respect to the ratio of payout, with UI, you're unfairly compensated for being a high earner. Since the tax stops at $7k but the benefits run until $40k or so, then if you're making $40k+, you're getting more than your payout relative to someone earning less than $40k.

b) As the owner of my S-Corp, I could decide not to take on a new Corp-to-Corp contract and make my sole employee (myself) be unemployed. And thus I have more control over my own unemployment. This is probably borderline fraud, but that also means it's borderline legitimate. So suppose the market for what I do dies down, there's no requirement for my S-Corp to take on a crappy contract I don't want when I can just terminate my own W2 within the corp and collect 6 months of unemployment.

c) The possibility exists of future federal extensions of UI benefits. This is effectively free money with regard to the cost/benefit analysis of UI insurance. The possibility exists that you pay the exact same amount ($500 annually) but get double or triple the payout in the event of unemployment. From a pure economics perspective, that has some form of value.

In summary, let's discuss the pros/cons of 1099 versus Corp-To-Corp and details of how Corp-to-Corp can work. Either in general or pick one of my topics above to comment on.

Personal Finance Deals
g: 0 Posted By: remick
Views: 83 Replies: 0 http://www.amazon.com/Stairway-Awesomeness-Fundamental-Living-ebook/dp/B00EEH3CTQ/

5.0 out of 5 stars with 20 reviews

Being a happy, positive person and living a life of awesomeness is a choice. In the face of adversity, it isnt always easy to make, but it is a necessary choice if you want to live life to the absolute fullest.

Written and illustrated with infinite wisdom and an original comic twist, Stairway to Awesomeness is the ultimate 30-step self-improvement guide that will make you want to change your life forever and encourage others to do the same.

Comic Strip Mama cartoonist and writer, Tanya Masse, shares her tragedy-to-triumph life story with the world and proves that no matter what adversity you are faced with, as long as you have a shred of sanity left, you CAN rise above and BE AWESOME!

Comic Strip Mama shows you how to:
CHANGE your way of thinking about certain things you have been conditioned to believe
STOP taking life SO SERIOUSLY
Focus on the POSITIVE lessons
Recognize the BLESSINGS
Find the HUMOR in everything. Yes, even tragic things!

Now make your choice, and start climbing the Stairway to Awesomeness!
Totally Free Deals
32GB Nexus 7 (2013) $249.86 - Must be Sam's Club Member
Added on : Tuesday October 22nd 2013 04:00:03 AM
g: 0 Posted By: spacejamz
Views: 317 Replies: 0 Probably the best screen on a 7"/8" tablet right now (at least until iPad mini w/ Retina is available)....

$20 off regular price (but not as good as the eBay Buy.comdeal if it ever comes up again)...

http://www.samsclub.com/sams/chopin-x-7in-tablet/prod11010797.ip?sprodId=prod11010797

Free standard shipping for online orders

7" 1080p HD Touch Screen display
32GB internal storage
Android 4.3 Jelly Bean
Front and rear facing cameras
Up to 9 hours of HD video playback

DescriptionWith a stunning 1080p Full HD display, 5 MP rear camera, and built-in dual stereo speakers Nexus 7 brings you a premium entertainment experience.Slim and weighing only 0.64 lbs, Nexus 7 makes it easier and more effortless to carry along wherever you go.Nexus 7 comes loaded with the best Google Apps like Chrome, Gmail, Google Now and Hangouts making it easy to manage the things that matter most.Access over 975,000 apps and games (including thousands of tablet optimized titles), the worlds largest collection of eBooks, and thousands of movies and TV shows all in one place on Google PlaySpecifications

7" 1080p HD Touch Screen display (1920 X 1200) - 323 pixels per inch
Scratch resistant Corning glass
Quad-Core Qualcomm Snapdragon S4 Pro processor, 1.5GHz
2GB RAM DDR3LM-1066
32GB internal storage
Android 4.3 Jelly Bean operating system
1.2MP front facing camera
5MP rear facing camera
Build-in stereo speakers
Bluetooth 4.0
Dual-band Wi-Fi 802.11 a/b/g/n
3.5mm Audio Jack (Headphone/Mic-in)
microUSB with Slimport HDMI out
Up to 9 hours of HD video playback
15Wh, 3950mAh, non-removable polymer battery
Ambient Light Sensor
E-compass sensor
Gyroscope

Android Tablets Deals

Sams Club Coupons
g: 3 Posted By: magni
Views: 1088 Replies: 1 Just came across this one and thought of sharing with the community here.

Self Confidence NOW - Proven Strategies to Instantly Improve Your Self Confidence & Boost Your Self Esteem (Confidence, Self Confidence, Self Esteem, Self ... Love Yourself, Depression, Anxiety) [Kindle Edition]
Price: Free
Here's theLink

Excerpt (from Amazon):
You are about to discover how to become a powerful, strong, sef-controled individual. Whatever you do, you have to be firm and internally validated to succeed in life. The fact is that the amount of success you achieve both in your workplace and social life is determined by your ability to solidify your character, lift up your chin, and look at other peoples eyes. Its determined by the ability to carry forward despite what other people say, only following your own voice and inner path.

My goal is simple. I will help you develop your self confidence, self esteem & personal worth to make a real impact in your life. Together, we will go to the roots of self value and transform that knoweldge into an simple step by step guide that will change forever the way you approach your day to day life. So let's go for it!

Here Is A Preview Of What You'll Learn When You Download You Copy Today
Why Your Appearance Matters & How to Instantly Improve It
How to Develop The Right Positive Attitude
How to Keep On Learning & Enrich Your Knowledge, Talents and Skills
How to Become Insanely Charismatic
How to Conquer the World By Accepting Your Flaws
How to Get In Charge of Your Own Life
Much, much more!

Hope you guys like it.


Books Deals

Amazon Coupons
g: 1 Posted By: magni
Views: 223 Replies: 1 Just came across this one and thought of sharing with the community here.

Self Confidence NOW - Proven Strategies to Instantly Improve Your Self Confidence & Boost Your Self Esteem (Confidence, Self Confidence, Self Esteem, Self ... Love Yourself, Depression, Anxiety) [Kindle Edition]
Price: Free
Here's theLink

Excerpt (from Amazon):
You are about to discover how to become a powerful, strong, sef-controled individual. Whatever you do, you have to be firm and internally validated to succeed in life. The fact is that the amount of success you achieve both in your workplace and social life is determined by your ability to solidify your character, lift up your chin, and look at other peoples eyes. Its determined by the ability to carry forward despite what other people say, only following your own voice and inner path.

My goal is simple. I will help you develop your self confidence, self esteem & personal worth to make a real impact in your life. Together, we will go to the roots of self value and transform that knoweldge into an simple step by step guide that will change forever the way you approach your day to day life. So let's go for it!

Here Is A Preview Of What You'll Learn When You Download You Copy Today
Why Your Appearance Matters & How to Instantly Improve It
How to Develop The Right Positive Attitude
How to Keep On Learning & Enrich Your Knowledge, Talents and Skills
How to Become Insanely Charismatic
How to Conquer the World By Accepting Your Flaws
How to Get In Charge of Your Own Life
Much, much more!

Hope you guys like it.


Books Deals

Amazon Coupons
Free- Night of the Living Dead Christian [Kindle Edition] was $14.99
Added on : Sunday October 20th 2013 05:00:04 AM
g: 0 Posted By: remick
Views: 249 Replies: 0 http://www.amazon.com/Night-Living-Dead-Christian-Ferociously-ebook/dp/B005EZ0BEQ

What does a transformed life actually look like?
In his follow-up to the critically acclaimed Imaginary Jesus, Matt Mikalatos tackles this question in an entertaining and thought-provoking waywith MONSTERS!!! While Christians claim to experience Christs resurrection power, we sometimes act like werewolves who cant control our base desires. Or zombies, experiencing a resurrection that is 90 percent shambling death and 10 percent life. Or vampires, satiating ourselves at the expense of others. But through it all we long to stop being monsters and become truly humanthe way Christ intended. We just cant seem to figure out how.

Night of the Living Dead Christian is the story of Luther, a werewolf on the run, whose inner beast has driven him dangerously close to losing everything that matters. Desperate to conquer his dark side, Luther joins forces with Matt to find someone who can help. Yet their time is running out. A powerful and mysterious man is on their trail, determined to kill the wolf at all costs . . .

By turns hilarious and heartbreaking, Night of the Living Dead Christian is a spiritual allegory that boldly explores the monstrous underpinnings of our nature and tackles head-on the question of how we can ever hope to become truly transformed.
Books Deals

Amazon Coupons
2013 Build-A-Bear Holiday Guide
Added on : Saturday October 19th 2013 08:00:05 AM
g: 2 Posted By: pumaJ
Views: 351 Replies: 0 http://socalsite.socalthrills.com/2013-build-a-bear-workshop-holiday-gift-guide-2/Give a Gift to RememBEAR from Build-A-Bear WorkshopGive the Build-A-Bear Workshop gift of friendship this holiday season. There is something for everyone on your gift list including holiday favorites, new MY LITTLE PONY friends, winter- themed stuffed animals, personalized picks, gifts that give back, stocking stuffers and more. Of course, you can always give the Build-A-Bear Workshop experience with a Bear Buck$ gift card to make memories that last a lifetime.Christmas ClassicsMake everyones season beary and bright with classic Christmas friends.http://socalsite.socalthrills.com/wp-content/uploads/2013/09/Screen-Shot-2013-09-25-at-2.21.30-PM.pngMake-your-own Rudolph the Red-Nosed Reindeer ($25) and his special friend Clarice ($25) they are sure to light up your holidays. Dress Rudolph in a holiday sweater ($8.50), red bell collar ($4), snowflake hat and scarf ($8.50), and Rudolph slippers ($6.50 per pair). Rudolph has a light up nose you could even say it glows! Plus, you can add the Rudolph the Red-Nosed Reindeer sounds ($7) to Rudolph, Clarice or any furry friend!Clarice has a light up heart and is ready for holiday fun in a polka dot dress ($10.50), red bell collar ($4) and red sparkle bow flats ($7.50 per pair). Together, this deer and doe duo make the perfect gift for children, and adults who are kids at heart.At Build-A-Bear Workshop, you will find even more holiday favorites for under the tree. For the first time ever, the company will have its own version of the classic holiday tale, Twas the Night Before Christmas. Kids can cuddle up with Wishes Santa ($20) and Merry Mouse ($18) as they read Twas the Fun Before Christmas written by Michelle Bain (available November 1 for $3.99). The book is a great stocking stuffer and can be used as a gift card holder. It also includes holiday stickers and a bookmark.Wishes Santa looks jolly in his signature outfit ($12.50) and hat (included), wire frame glasses ($4.50) and black rubber boots ($7.50). Add Santas famous Ho, Ho, Ho sound ($5) or the holiday jingle Up on the Housetop ($7).Merry Mouse is ready to nestle all snug in his bed in snowflake pajamas ($10.50) and a red Santa hat ($3.50).Frosty the Snowman ($23) comes complete with a top hat and jolly, happy soul, Shown here in his Frosty the Snowman accessory set ($8.50). Add the song Frosty the Snowman ($7) to make him really come to life.MY LITTLE PONYhttp://socalsite.socalthrills.com/wp-content/uploads/2013/09/Screen-Shot-2013-09-25-at-2.46.51-PM.pngBuild-A-Bear Workshop brings the magic and friendship of MY LITTLE PONY to Guests everywhere this holiday season with make-your-own characters.FLUTTERSHY (available November 29), PINKIE PIE, RAINBOW DASH, and PRINCESS TWILIGHT SPARKLE ($25 each) are ready for new adventures.Personalize these pony friends with clothing and accessories to make the perfect gift. Dress them in their signature capes ($13.50) or a variety of other fashions.Their colorful manes can be brushed, combed and braided with an exclusive rainbow hairbrush ($3.50), available only at Build-A-Bear Workshop.Winter Favoriteshttp://socalsite.socalthrills.com/wp-content/uploads/2013/09/Screen-Shot-2013-09-25-at-2.52.42-PM.pngWhen you are looking for cool gifts, Build-A-Bear Workshop has you covered with winter-themed furry friends.Pinky the Penguin ($18) is ready for snow in her pink snowflake sweater set ($12.50), white faux-fur puffer coat ($11.50), white sparkle faux-fur bow ($3) and white faux-fur boots ($9).Pengy the Penguin ($18) is super chill in his skull sweater outfit ($12.50), blue varsity jacket ($10.50), blue newsboy hat ($5) and black canvas high-tops ($7.50).Snow Sparkles Bunny ($20) is ready for a fun day at the ice rink in her purple ice skater dress ($13.50) and white faux-fur trimmed ice skates ($9).Winter White Polar Bear ($20) is ready for holiday fun in her polar ice dress ($12.50), white sparkle faux-fur bows ($3) and silver gem flats ($7.50 per pair).Festive Friendshttp://socalsite.socalthrills.com/wp-content/uploads/2013/09/Screen-Shot-2013-09-25-at-3.03.06-PM.pngNo matter what you are celebrating this season, festive friends bring holiday cheer to kids and adults (who are kids at heart).Happy Hugs Teddy ($15) is ready to hit the holiday party circuit in a red sequin dress ($13.50) and red sparkle bow flats ($7.50).Lil Bunny Big Ears ($15) and Cheerful Monkey ($20) will stand out under the tree dressed in these traditional elf costumes ($12.50) and matching elf hat and shoes set ($6).Champ- A Champion Fur Kids ($18) is helping make Christmas wishes come true in this Mrs. Claus outfit ($12.50) and red sparkle bow flats ($7.50).Tropicolor Teddy ($20) is ready for Hanukah in her blue satin fancy dress ($12.50), silver gem flats ($7.50), and Bear Flair sequin bows ($5 per 4 pack). She is sure to bring smiles all eight nights and all year long.Give the Build-A-Bear Workshop Experiencehttp://socalsite.socalthrills.com/wp-content/uploads/2013/09/Screen-Shot-2013-09-25-at-3.09.20-PM.pngToo many choices to pick just one gift? Give the Build-A-Bear Workshop experience (and a memory that lasts a lifetime) with a Bear Bucks Gift Card. Gift cards come in a variety of holiday designs and can be purchased for any amount. Each gift card purchased in-store comes in a festive mini Club Condo house. Gift cards are also available online, just a few clicks away from sending the bear-making experience.
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Build-A-Bear Workshop Coupons
Verizon wireless pulled all three credit report without my permission
Added on : Friday October 18th 2013 05:00:07 AM
g: 1 Posted By: mikecl
Views: 1121 Replies: 14 So, I was in the market for new phone and I was checking out verizon wireless website yesterday for possibility of paying full price for the phone and ordering it without credit check.

I started the checkout process. Put in my right name/address/dob (stupid of me) but on the credit form I put all garbage for DL and SSN. But the real kicker is, I did not order the phone in the end and I closed the browser. The credit form did not have any disclaimer on the page stating it will do credit check right at that step if I continued. But as a matter of fact I got alert today morning that I've two new inquiries (transunion and experian).

Now I know that they do not need to have my correct SSN/DL information to do credit check but I did not think they would do a credit check for a line that I did not order (or open). I talked with them today morning and they seem to not find any inquires to me in their "credit pull" database.

Now my question to FWF is, what are my options here?

ETA: Today I see an alert for Equifax as well and no wonder it's a hard pull from verizon wireless.

Personal Finance Deals
FNB Omaha Closed My Visa Account
Added on : Friday October 18th 2013 05:00:06 AM
g: 0 Posted By: jalsman
Views: 4 Replies: 0 Called them today on a routine matter and found out they had closed my Visa account that had a 4K limit, zero balance.

The reason they cited was "excessive inquiries". I had done a mini-AOR with 2 inquiries. I realize that they can close an account for any reason, but this?

Their rewards werent that great and the card had a zero balance, so no big loss.........just advising others of what happened to me.
Verizon wireless pulled credit twice without my permission
Added on : Thursday October 17th 2013 06:00:11 AM
g: 0 Posted By: mikecl
Views: 176 Replies: 4 So, I was in the market for new phone and I was checking out verizon wireless website yesterday for possibility of paying full price for the phone and ordering it without credit check.

I started the checkout process. Put in my right name/address/dob (stupid of me) but on the credit form I put all garbage for DL and SSN. But the real kicker is, I did not order the phone in the end and I closed the browser. The credit form did not have any disclaimer on the page stating it will do credit check right at that step if I continued. But as a matter of fact I got alert today morning that I've two new inquiries (transunion and experian).

Now I know that they do not need to have my correct SSN/DL information to do credit check but I did not think they would do a credit check for a line that I did not order (or open). I talked with them today morning and they seem to not find any inquires to me in their "credit pull" database.

Now my question to FWF is, what are my options here?

Personal Finance Deals
g: 0 Posted By: icrazyapple
Views: 91 Replies: 0 HooToo USB 3.0 Hub 7-Port Bus-Powered (5V/3A Power Adapter, Latest VIA VL812 Chipset, 3.3 feet USB 3.0 Cable), Backward Compatible with USB 2.0 and Supporting Windows / Mac / Linux OS (HT-UH006)

Original price: $39.99
Price after coupon code: $29.99
Coupon code: TK3LC3TN ($10 OFF)
Expected end time: October 15th 23:59 PM PDT

*While our USB hub is connected via USB port, HooToo also provides a 5V/3A power adapter for high-consumption devices. So, no matter what the situation, you will be connected. Package includes: 1*7 port USB 3.0 hub; 1*USB data cable(3.3ft); 1*5V/3A power adapter; 1*User manual - See more at: http://forums.deals2buy.com/discussion/1311/hootoo-usb-3-0-7-por...
USB & Flash Drives Deals

Amazon Coupons
Student loans- In school defer subsidized loan repayment
Added on : Monday October 14th 2013 05:00:12 PM
g: 0 Posted By: cordgrass
Views: 77 Replies: 0 Does anyone know the laws that pertain to the repayment of unsubsidized loans. Here is my situation- Grad student with both subsidized and subsidized student loans. They are both currently in school defer. My loans where with direct student loans and are now with cornerstone loans. I have been making payments on these loans i just realized that the payments have been going to both my sub and unsub loan. I thought if you make payments while in school defer all payments go to the unsub loan. I called corner stone and i was told the two loans are now one. I am not sure if this is true because only the unsub is accruing interest. If i was trying to cover just the interest cornerstone still splits the payment no matter what i dont think is legal "i have been making well over the interest payment just an example". anyone have a similar situation or know where i can find the laws that deal with unsub loans.
Personal Finance Deals
Reverse Mortgage for fun and profit
Added on : Monday October 14th 2013 09:00:13 AM
g: 9 Posted By: brettdoyle
Views: 793 Replies: 31 I recently read an article stating that the FHA will need a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs. This got me wondering how they are losing so much money on these mortgages at a time when housing prices are supposedly rising. Until recently I didn't fully understand this program as I am a younger person and reverse mortgages have a negative stigma attached to them. They are generally used by individuals living beyond their means... but when I looked into it and ran the numbers it sounds like a pretty good deal in many scenarios.

A quick background: Reverse mortgages are only for individuals ages 62 or older. You can either take a lump sum payment or receive a payment stream. The home continues to compound principle and interest over time, however you cannot be kicked out of the home no matter how large the mortgages compounds. When that individual passes away, the family has the option to repay the balance and keep the home or leave the collateral to the lender. Any excess equity it kept by the lender. You can borrow up the 75% of the appraisal value.

The system was designed with rules to protect taxpayers such that only the individuals on the mortgage could continue to live in the home indefinitely. You could only qualify if every person on the mortgage was 62 years old, so a couple typically left the younger spouse off the mortgage. Women typically outlive men, and often this meant that when the man died the widow would need to cough up the mortgage balance or else move out of the house. Of course, the losers who made bad decisions didn't like this outcome and looked for ways to prevent it.

Now the interesting part is that AARP ultimately teamed up with these widows, went to court, and somehow got a judge to decide that the widows cannot be kicked out of the homes... even though they never qualified for the reverse mortgage program (which is ridiculous).

http://www.aarp.org/about-aarp/press-center/info-10-2013/Two-Sur...

Ultimately, this could be a really good deal in a situation where a woman is younger than her husband. Consider a homeowner with a $400,000 property who is eligible to borrow up to $300,000. If he has a wife that is 57 years old and assuming she lives until the median expectancy of 82... that would allow her to live in the home for 25 years without ever repaying a cent.

Assuming a 7% annual investment on that $300,000.... after 25 years it would compound into a value of $1,628,230 that could be left to heirs in lieu of a house. This would probably be much larger than the future value of the home... a house is a fixed asset that simply sits there whereas the $300,000 could be employed into active business investments that will compound and generate much higher returns on investment.

What happens after the widow finally dies? As you can imagine, an individual without equity in a home is not going to take great care of the property. They aren't going to renovate the kitchen or do major repairs. The interest and principle compound over decades but the collateral is probably worth no where near that amount. The home gets sold off a large loss relative to the mortgage. Interestingly enough the lender doesn't care if this happens as they won't lose a penny. They get to make a bunch of money off fees and interest and are made whole loans by the US taxpayer as these loans are federally guaranteed. Their goal is to just write as many of these smelly loans as possible.

In more extreme scenarios with a 62 year old male and a 45 year old wife that lives until 95... the payouts could hit $10 million. I also wonder how badly this ruling could be abused. What if the widow decides to marry a younger male? Does that mean he can live in the home for the rest of his life without paying a cent? Could the widow arrange a paper wedding with a 20 year old to give him a free house? Could he then marry someone in turn and keep the home? Who knows... but the losses on these loans are massive.
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FREE Stanford Online Class: The Finance of Retirement and Pensions
Added on : Monday October 14th 2013 07:00:13 AM
g: 0 Posted By: fongo61
Views: 13 Replies: 0 I saw this in my local newspaper and thought that people who need to plan for retirement might enjoy this.

Info about the class:https://www.gsb.stanford.edu/news/headlines/joshua-rauh-launch-massive-open-online-course-retirement-planning

Direct Link

This course contains general information about financial matters for educational purposes only and does not provide personalized investment, tax, legal or accounting advice.In this eight-week course, you will learn the financial concepts behind sound retirement plan investment and pension fund management. Course participants will become more informed decision makers about their own portfolios, and be equipped to evaluate economic policy discussions that surround public pensions. The course begins with the principles of financial economics, such as the distribution of outcomes when investing in stocks, bonds, or annuities. These serve as the building blocks for an understanding of different retirement strategies that can help you improve your asset allocation. Finally, the course applies these principles to government programs and policies.The Finance of Retirement and Pensions will culminate in an interactive symposium about the challenges of U.S. pension systems.Held in January 2014 at Stanford Graduate School of Business, the event will feature representatives of the MOOC teams with the five most promising ideas for pension reform, who will present their proposals to a distinguished panel of faculty and experts in finance and public policy.Expenses will be covered by Stanford Graduate School of Business and the Hoover Institution.
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Reverse Mortgage... a hot deal
Added on : Monday October 14th 2013 07:00:12 AM
g: 0 Posted By: brettdoyle
Views: 0 Replies: 0 I recently read an article stating that the FHA will need a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs. This got me wondering how they are losing so much money on these mortgages at a time when housing prices are supposedly rising. I am a younger person and reverse mortgages have a negative stigma attached to them. They are generally used by individuals living beyond their means... but when I looked into it and ran the numbers it sounds like a pretty good deal in many scenarios.

A quick background: Reverse mortgages are only for individuals ages 62 or older. You can either take a lump sum payment or receive a payment stream. The home continues to compound principle and interest over time, however you cannot be kicked out of the home no matter how large the mortgages compounds. When that individual passes away, the family has the option to repay the balance and keep the home or leave the collateral to the lender. Any excess equity it kept by the lender. You can borrow up the 75% of the appraisal value.

The system was designed with rules to protect taxpayers such that only the individuals on the mortgage could continue to live in the home indefinitely. You could only qualify if every person on the mortgage was 62 years old, so a couple typically left the younger spouse off the mortgage. Women typically outlive men, and often this meant that when the man died the widow would need to cough up the mortgage balance or else move out of the house.

Now the interesting part is that AARP ultimately teamed up with these widows, went to court, and somehow got a judge to decide that the widows cannot be kicked out of the homes... even though they never qualified for the reverse mortgage program.

http://www.aarp.org/about-aarp/press-center/info-10-2013/Two-Sur...

Ultimately, this could be a really good deal in a situation where a woman is younger than her husband. Consider a homeowner with a $400,000 property who is eligible to borrow up to $300,000. If he has a wife that is 57 years old and assuming she lives until the median expectancy of 82... that would allow her to live in the home for 25 years without ever repaying a cent.

Assuming a 7% annual investment on that $300,000.... after 25 years it would compound into a value of $1,628,230 that could be left to heirs in lieu of a house. This would probably be much larger than the future value of the home... a house is a fixed asset that simply sits there whereas the $300,000 could be employed into active business investments that will compound and generate much higher returns on investment.

What happens after the widow finally dies? As you can imagine, an individual without equity in a home is not going to take great care of the property. They aren't going to renovate the kitchen or do major repairs. The interest and principle compound over decades but the collateral is probably worth no where near that amount. The home gets sold off a large loss relative to the mortgage. Interestingly enough the lender isn't on the hook for a penny. They get to make a bunch of money off fees and interest and are made whole loans by the US taxpayer as these loans are federally guaranteed.

I also wonder how badly this ruling could be abused. What if the widow decides to marry a younger male? Does that mean he can live in the home for the rest of his life without paying a cent? Could the widow arrange a paper wedding with a 20 year old to give him a free house? Could he then marry someone in turn and keep the home? Who knows... but the losses on these loans are massive.
g: 1 Posted By: remick
Views: 277 Replies: 0 http://www.amazon.com/dp/B00968FPDE

A brand new collection of powerful insights into building outstanding customer relationships 4 pioneering books, now in a convenient e-format, at a great price!

4 remarkable eBooks help you develop rock-solid, high-value long-term customer relationships: levels of loyalty you thought were impossible

Today, rock-solid long-term customer relationships are the holy grail of every business -- and they seem just as elusive. But such relationships are possible: great businesses are proving it every day, and reaping the rewards. In this extraordinary 4 eBook set, you'll learn how they do it -- and how you can, too, no matter what you sell or who your customers are. First, in Managing Customers for Profit: Strategies to Increase Profits and Build Loyalty, internationally respected marketing expert V. Kumar presents a complete framework for linking your investments to business value - and maximizing the lifetime value of every customer. Learn how to use Customer Lifetime Value (CLV) to target customers with higher profit potentialmanage and reward existing customers based on their profitabilityand invest in high-profit customers to prevent attrition and ensure future profitability. Kumar introduces customer-centric approaches to allocating marketing resourcespitching the right products to the right customers at the right timedetermining when a customer is likely to leave, and whether to intervenemanaging multichannel shopping even calculating referral value. Next, in Smart Retail: Practical Winning Ideas and Strategies from the Most Successful Retailers in the World, Richard Hammond presents remarkable new case studies, ideas, strategies, and tactics from great retailers worldwide. Discover new ways to use data to drive profit and growth do more with less leverage technology to develop highly productive and innovative remote teams create your ultimate retail experience! In Inside the Mind of the Shopper: The Science of Retailing, the legendary Herb Sorensen reveals what customers really do when they shop, ripping away myths and mistakes that lead retailers to miss huge opportunities. Sorensen identifies simple interventions that can have dramatic sales effects, shows why many common strategies don't work, and offers specific solutions for serving quick-trip shoppers, optimizing in-store migration patterns, improving manufacturer-retailer collaboration, even retailing to multicultural communities. Finally, in The Truth About What Customers Want, Michael R. Solomon demystifies today's consumers, revealing what they want, think, and feel. Then, based on his deep truths about consumer behavior, he presents 50 bite-size, easy-to-use techniques for finding and keeping highly profitable customers!

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g: 0 Posted By: remick
Views: 252 Replies: 0 http://www.amazon.com/dp/B00E4MBFAO

This book is about employee enthusiasm: that special, invigorating, purposeful and emotional state thats always present in the most successful organizations. Most people are enthusiastic when theyre hired: hopeful, ready to work hard, eager to contribute. What happens? Management, thats what. The Enthusiastic Employee is an action-oriented book that helps companies obtain more from workers - the basic premise is that under the right kind of leadership, the more one side wins in a collaborative relationship, the more for the other side. The book is heavily evidence-based (using extensive employee survey data) and lays out two basic ideas: the Three-Factor Theory of human motivation at work and the Partnership company culture that is based on the Three-Factor Theory and that, by far, brings out the best in people as they respond with enthusiasm about what they do and the company they do it for. Drawing on research with 13,000,000+ employees in 840+ companies, The Enthusiastic Employee, Second Edition tells you what managers (from first-line supervisor to senior leadership) do wrong. Then it tells you something much more important: what to do instead. David Sirota and Douglas Klein detail exactly how to create an environment where enthusiasm flourishes and businesses excel. Extensively updated with new research, case studies, and techniques (they have added over 8.6 million employees and over 400 companies to their analyses ), it now contains a detailed study of Mayo Clinic, one of the worlds most effective healthcare organizations and a true representation of the principle of partnership, as well as more in-depth descriptions of private sector exemplars of partnership, such as Costco. Other new chapters include: how the Great Recession really impacted workers morale (bottom-line, it didnt) and how to build a true Partnership Culture that starts with senior leadership. They now debunk fashionable theories of worker generations (Baby Boomers, Gen X, Y, etc.) as mostly nonsense clarify what theyve learned about making business ethics and corporate social responsibility actionable share what research on merit pay (pay for individual performance) tells us about its likely impact on school teachers and performance (not good)discuss the utility of teleworking (and the dust-up at Yahoo)offer compelling, data-informed insights about women and minorities in the workplace, and much more. You can have enthusiastic employees, and it does matter more than it ever has. Whether youre a business leader, HR/talent management professional, or strategist, thats the workforce you need and this is the book that will help you get it.
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Credit Report....does it matter who closes card?
Added on : Saturday October 12th 2013 05:00:10 AM
g: 0 Posted By: kaneohe
Views: 71 Replies: 1 A credit card we have has been inactive. The issuer has sent a letter informing that it will be closed when it expires. We can keep it open by calling or let it expire and be closed by bank or call and ask for it to be closed. For credit report (or other reasons) , does it matter whether the bank closes it (for non-use) or whether we ask for it to be closed?
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g: 0 Posted By: bpvh
Views: 157 Replies: 0 Office Depot rebate software for the week of 10/13/2013 (2 Nova Development titles: $5AR and $15AR)


Photo Explosion 5.0 [891718] $29.99 LINK
++ $4.99 After $25 in (2) Mfr. Mail-In Savings
$15 standard rebate #601-176 LINK
--- paid via prepaid Visa card
--- rebate valid from 10/13/2013 through 10/26/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$10 CONTINUING "on box" standard rebate #PE510 LINK
++ First appearance of this rebate in the Office Depot rebate threads
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
++ Rebate not currently known
--- registration card
--- copy of receipt
--- original upc code
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


Greeting Card Factory Deluxe 8.0 [485379] $49.99 LINK
++ $14.99 After $35 in (2) Mfr. Mail-In Savings
$15 standard rebate #601-175 LINK
--- rebate valid from 10/13/2013 through 10/26/2013
--- original Proof of Purchase 1 Emblem (located on the bottom inside flap of the product box)
--- copy of receipt
$20 CONTINUING onbox standard rebate RMW20 LINK
++ Be advised that the Nova Development/Avanquest rebate processor has a habit of not sending rebate checks even on valid rebates unless contacted.
--- registration card
--- copy of UPC code
--- copy of receipt
--- presubmit at usa.novadevelopment.com/support/rebate/Registration.aspx


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

****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

====================
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g: 0 Posted By: CowbellMaster
Views: 1 Replies: 0 First, a rant - I know several friends/family that subscribe to the theory of government savings plans through high withholdings. When filling out their federal and state payroll withholding forms, it's "0" all the way, so their paychecks are ravaged but come April they get this "awesome huge refund." No matter how much I try to explain that this is a 0% loan they're giving to their government, they love getting their annual 'bonus'. When my state had a funding issue and delayed refunds until the budget was straightened out, I tried to explain that not only were they get no interest on their 'investment' but as was just demonstrated, there is risk associated with these entities holding their money for them. Still no dice.

So anyways, at least I do what I can to minimize withholdings to the absolute minimum. I do this by roughly calculating my taxable income throughout the year, taking into account large deductions like property, school and state taxes, tax advantaged account contributions (401k, traditional ira, HSA), and various large credits. My primary goals are two-fold:

1) Make sure I pay as close to 90% of my expected tax liability via paycheck withholding (or 100% of last year's liability, if that is lower). I don't mind paying on 4/15, as long as it's not penalized, as that way it's a 0% loan to ME, from the government.
2) Try to adjust my taxable income to slide in under a relatively higher bracket. For me, I try to avoid the 25% bracket, meaning my taxable income for this year should optimally be under $72,500.

Every year around this time I try to gauge my trajectory and make adjustments as necessary. This time around, my taxable income is well into the $80k's (some slight early-year miscalculations on my part) so I've maxed out our HSA 401K contributions to get that level back down. I also miscalculated some credits I thought we were privy to, so I've added an additional few hundred dollars in withholding per paycheck to get me caught up. Luckily, I have enough emergency fund dry powder to get me through the next couple months which will feature extremely anemic paychecks. As every dollar I earn over $72,500 is culled by 25%, I believe it's a worthwhile exercise, even if it comes with some temporary discomfort.

I would like to hear other FWF strategies to zero in on financially optimal withholding? What do you do when unexpected or unaccounted-for income comes in, to keep you on track for that sweet spot of 90% of liability? I'm thinking of setting up a spreadsheet, with expected income to the dollar, and adjust it, and our withholdings, as necessary throughout the year. The goal is to prevent scrambling for major course adjustments at the end of the year.













10% OFF your purchase ($20 max) @newegg mobile app
Added on : Wednesday October 09th 2013 12:00:03 PM
g: 1 Posted By: unnamedny
Views: 232 Replies: 2 If you'd like to save more on every purchase of computers, components, electronics and pretty much any other piece of technology, but you're often too busy to sit down in front of a computer or laptop to shop...it's time for you to check out Newegg Mobile Apps! We have a broad selection of applications for phones, tablets and even smart televisions that allow you to take Newegg's incredible deals and savings with you, no matter where you're headed.
Enter promo code MBLMOBILE10 at checkout.

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Chemical Guys E-zyme Natura Paste Wax (Car Wax): $120-160 @ Amazon
Added on : Wednesday October 09th 2013 06:00:07 AM
g: 0 Posted By: bittul
Views: 224 Replies: 1 I'll be honest. I only looked at this product because I saw a $100 coupon, and my curiosity got the better of me.

Even after the $100 coupon, I'm not spending >$100 on Car Wax, no matter how "Natura" it is. That said, it still might be a deal for some... So I'm posting it.

From $119.33 (with mom) to $160.45 (with regular S&S).

http://www.amazon.com/gp/product/B0043A5B5M/

Selling on fleabay for $275. Yikes!
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g: 2 Posted By: remick
Views: 297 Replies: 0 http://www.amazon.com/dp/B0082LJ01O

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 Gunther
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g: 7 Posted By: archena
Views: 1498 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
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Beware IRS criminal investigations impersonators
Added on : Friday October 04th 2013 02:00:04 AM
g: 0 Posted By: tuphat
Views: 77 Replies: 2 From Tax Analysts/Tax Notes --

Is That Really IRS Criminal Investigations Calling? Maybe Not
by William Hoffman

Though most of the IRS is closed during the government shutdown, it seems some scam artists masquerading as its criminal investigators are still hard at work.

The IRS Criminal Investigation division is aware of media reports and website discussion groups regarding an apparent scam being run from a New York phone number (with a 347 area code), and is asking the Treasury Inspector General for Tax Administration to look into the matter, according to Ed Loomis, CI communications director in Washington.

Asked if there could be a misunderstanding, and if the New York callers actually worked for CI, Loomis said, "I have no reason to believe that the individuals who are saying that they are from IRS CI are from IRS CI, but that's what TIGTA will determine."

TIGTA's media office is closed during the shutdown. The inspector general maintains a toll-free hotline, 1-800-366-4484, on which people who believe they have been contacted by a fake IRS employee can leave a message with their complaints. Loomis said it's unclear who will register or investigate complaints to TIGTA during the shutdown.

Marc Dombrowski, an enrolled agent and owner of Tax Help Associates Inc. in Buffalo, N.Y., said one of his clients advised him of a suspicious call the client had received October 3 from someone presenting himself as being from CI.

Dombrowski called the number, and the phone was answered by an individual identifying himself as Damon Marshall of IRS CI. Dombrowski asked if it was really the IRS. Marshall said yes. Dombrowski pointed out that the IRS is closed for the government shutdown, and Marshall said CI was exempted. When Dombrowski identified himself as an enrolled agent and mentioned the power of attorney he held for his client, Marshall hung up, according to Dombrowski.

"I've been around the block," Dombrowski said. He suspected a scam, he said. "I assume they realized they were not going to get money out of [someone with] a power of attorney, and they hung up. Usually they want to just get along to the next person who will put money into their pockets," he said.

Meanwhile, on a website called 800notes.com, which solicits visitors' reports of phone fraud, three Web pages detail dozens of complaints about the same New York phone number, and the alleged CI scam and "Damon Marshall."

A typical example, posted on September 11 by "Tommy," reads: "Received 3 phone calls this morning from the 'IRS' stating they were from the IRS Investigating Division. . . . [S]poke with a [D]amon Marshall, telling me I owe back taxes and penalties, etc." It continues, "I pointed out to him that the IRS NEVER, ever, NEVER contacts citizens via the phone [and] that they ALWAYS correspond via mail. He then threatened me with the usual throw me in jail, confiscate bank accounts or any other asset, seize all property, etc. Another person left a message on my [answering] machine . . . from the IRS -- 'call back immediately,' 'do not ignore this phone call,' of 'utmost urgency,' etc."

A call from Tax Analysts to the New York phone number was answered by a man identifying himself as Damon Marshall of IRS CI. Asked if he would answer some questions from a reporter, Marshall replied, "What am I going to get in return if I give you all the information? Are you going to pay me something for my interview?" He was informed that Tax Analysts does not pay for interviews. Marshall said, "If you're not paying me anything, then I don't got time. If you pay me something I will give you each and every question's answer."

After again being told that Tax Analysts doesn't pay for interviews, Marshall hung up.
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Learn the Science of Cooking with This Free Harvard Course
Added on : Thursday October 03rd 2013 05:00:07 AM
g: 0 Posted By: JayMatt19
Views: 216 Replies: 0 Through cooking you can learn a lot about scienceand vice versa. If you'd like to know more about how recipes work, as well as basic physics and engineering principles, this course is for you.Science & Cooking: From Haute Cuisine to Soft Matter Science is a free online course taught by Harvard professors and top chefs. According to the course description
During each week of the course, you will watch as chefs reveal the secrets behind some of their most famous culinary creations often right in their own restaurants. Inspired by such cooking mastery, the Harvard team will then explain, in simple and sophisticated ways, the science behind the recipe.

Topics will include: soft matter materials, such as emulsions, illustrated by aioli; elasticity, exemplified by the done-ness of a steak; and diffusion, revealed by the phenomenon of spherification, the culinary technique pioneered by Ferran Adri [a pioneer in modernist cuisine].P
Classes are held twice a week for an hour, during which time you'll watch top chefs and food scientists (including David Chang of Momofuku and renowned author Harold McGee) create dishes and reveal the science behind them. The classes are delivered via online learning platform edX (created by Harvard and MIT), so you'll be able to interact with other students online. The best part? You can conduct your own experiments in your kitchen and eat the results from your "lab."PRegister for the course, which starts Tuesday, October 8, at the link below.

https://www.edx.org/course/harvard-university/spu27x/science-coo...
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g: 0 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
Books & Magazines Deals
Free- Identity: Your Passport to Success [Kindle Edition] was $22.99
Added on : Monday September 30th 2013 02:00:03 AM
g: 0 Posted By: remick
Views: 229 Replies: 0 http://www.amazon.com/Identity-Your-Passport-Success-ebook/dp/B007BLO7KU

Have you ever thought about the connection between knowing who you are and success? Identity can serve as your greatest asset. Enduringly successful people know who they are, are clear about what matters to them, have established powerful identities, and create value in the world.

In this book, the process for discovering and understanding your identity is brought to life through Stedman Graham's personal experiences and the stories of individuals who've resolved their questions of identity, building a life that matters to themselves and those around them.

Take control of who you are. Take control of your life. Achieve lasting success.

Now a wall street journal bestseller!
Books Deals

Amazon Coupons
g: 0 Posted By: Ayla
Views: 666 Replies: 0 .

http://www.discountwomensdressshoes.com/servlet/the-47114/Purple...


Price: $18.99


(You Save: 84%)

Shipping: $7.99 - No matter how many pairs you order, shipping is the same.


Color and Material: Purple Suede

~3 Inch Heel Height
~15 Inch Shaft Height
~14.5 Inch Circumference

Sizes: 5.5, 6, 6.5, 7, 7.5




AND IN BLACK WITH A HIGHER HEEL FOR $25.99 + Shipping:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.discountwomensdressshoes.com/servlet/the-44436/Black-...


Price: $25.99

Shipping: $7.99 - For amount of your whole order.


Color and Material: Black Velve


~3.75 Inch Heel Height
~16.5 Inch Shaft Height
~14 Inch Circumference

Sizes: 6, 7, 7 1/2



IF YOU ORDER ONE OF EACH, SHIPPING IS STILL $7.99.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Shoes Deals
Kinivo BTM440 Bluetooth Headset $9.99 Amazon Prime
Added on : Saturday September 28th 2013 08:00:05 PM
g: 0 Posted By: OceanMist
Views: 143 Replies: 0 Kinivo BTM440 Bluetooth Headset
Amazon price shows as $24.99.
http://www.amazon.com/dp/B00COB1YNU/

I simply did this "Enter code OFFERBTM at checkout"
which deducted $15.00 from the $24.99
With Amazon Prime shipping is free. Total price was: $9.99

I have 2 Jawbone Icon HD bluetooth headsets purchased at $50ish. Everyone complains about their sound quality. I haven't replaced them because those were supposed to be good. But for that matter, all of the Bluetooth headsets paired with cell phones I've used have been just barely BTN (Better Than Nothing). Everyone is appreciative when I turn off the tooth and hold the phone up.

I just saw alink in Joe Brancatelli's free email newsletter for business travelers. His email included a link to someone else's review:
"DAVID ROWELL: A GREATBLUETOOTHHEADSET FOR $30
After a disappointing experience with a $130 headset, David Rowell finds a vastly better headset for only $30. Read his review for the headset to avoid and the one to choose. surf to link "

I thought the review did a good job of identifying the cons (not the latest bluetooth version) as well as the pros (sound quality, price).
So I was going to give it a try at $24.99.
Am thrilled to give it a try at $9.99.
I'll use it this week on a trip, will test it vs the Jawbone ICON and post results.

Was going to wait till then to post this, but the offer code might expire.









Electronics Deals

Amazon Coupons
g: 0 Posted By: Ayla
Views: 0 Replies: 0 .

http://www.discountwomensdressshoes.com/servlet/the-47114/Purple...


Price: $18.99


(You Save: 84%)

Shipping: $7.99 - No matter how many pairs you order, shipping is the same.


Color and Material: Purple Suede

~3 Inch Heel Height
~15 Inch Shaft Height
~14.5 Inch Circumference

Sizes: 5.5, 6, 6.5, 7, 7.5




AND IN BLACK FOR $25.99 + Shipping:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.discountwomensdressshoes.com/servlet/the-44436/Black-...


Price: $25.99

Shipping: $7.99 - For amount of your whole order.


Color and Material: Black Velve


~3.75 Inch Heel Height
~16.5 Inch Shaft Height
~14 Inch Circumference

Sizes: 6, 7, 7 1/2



IF YOU ORDER ONE OF EACH, SHIPPING IS STILL $7.99.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Advice on getting child support
Added on : Saturday September 28th 2013 01:00:05 AM
g: 0 Posted By: NoChildSupport
Views: 28 Replies: 1 Can't believe it's taken me thins long to post here and see if there are other ideas, but here goes....

* Living in Hawaii in 2010
* Sent daughter to overseas boarding school in SEP 2010 because marriage imploding, and we wanted to get her out of the situation.
* Divorced in OCT 2011 in Hawaii family court. Not amicable, but not terrifically nasty either.
* Divorce decree stipulates the following:
1. I pay alimony: $2K/month until I retire, at which point ex gets 1/2 military retirement and no alimony
2. No child support paid by anyone to anyone as long as daughter in boarding school
2. When daughter returns from boarding school, joint decision made among all parties re: who she lives with. That person assumes physical custody.
4. At that point, non-custodial parent pays custodial parent child support. No specific amount decreed.
* I am relocated to Virginia. Ex moves to Texas.
* Daughter leaves boarding school and comes to live with me in Virginia in SEP 2012. All parties agree to this arrangement.
* Ex refuses to pay child support in any amount. Ex is not hiding or running; I know precisely where she lives/works. She just refuses to pay.
* I took ex to court in Hawaii to enforce the order and set an amount. At trial in March 2013, Hawaii judge asserted Hawaii no longer had jurisdiction in the matter of child support as none of the parties reside in Hawaii (!)
* I open a case with the TX Child Support Enforcement Agency. After *many* months of back and forth, case finally sent to a "processor" who promptly tells me that because I live in Virginia, this is difficult and I should work thru the process in Virginia.
* I engage the VAChild Support Enforcement Agency. They have told me that because an order already exists (the original divorce decree stipulating that child support will be paid, but not specifying an amount), they cannot create a new order. And since no amount is specified, there's nothing to collect.

So here I am over a year later, and the ex has paid no child support. She has plenty of money; I know what her resources were when we divorced two years ago, and besides, I send her $2K/month in alimony. She's not under any particular hardship. It's galling (at a minimum) that she is a deadbeat mom and none of the agencies that are supposed to do something about this seem to care. Like I said: she's not hiding. She just refuses to pay.

If I could get a court order specifying an amount, I could simply cut that amount out of the alimony I pay. I was thinking that one or the other of the child support enforcement agencies could do that for me, but apparently not, or at least not easily. I think the term "valueless" properly describes those agencies.

So it appears that my next step is to sue her in Virginia court for alimony. Lawyers and moneyWasted; here we go again. I'm gonna do that, but I wondered if perhaps the FW community had any ideas?

I'm not sending any pics or more personal info, so please don't ask. I'm not really interested in anyone's opinion about what I wouldaCouldaShoulda, so don't waste your time. And if it starts to get nasty, I'll simply disengage and no longer respond to anything. That said, if anyone has advice or ideas, I'm all ears....




Personal Finance Deals
g: 0 Posted By: bpvh
Views: 194 Replies: 0 Office Depot rebate software for the week of 09/29/2013 (two McAfee titles: $5AR and $9AR)


McAfee Internet Security For 3 PCs [830-698] $59.99
$4.99 after $10 Instant & $55 Mfr. Mail-In Savings


McAfee Total Protection For 3 PCs [830-788] $69.99
$8.99 After $10 Instant & $61 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

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

McAfee.com Coupons
New Arrivals: Philip Watch - Heritage Sunray Automatic Men»s Watch
Added on : Wednesday September 25th 2013 09:00:03 AM
This Heritage Sunray Automatic Men»s Watch is Swiss made with automatic movement and power reserve. Featuring silver dial and bezel, visible back with screw, anti-reflective sapphire crystal and alligator strap. When style matters.
Mechanical self winding Swiss Regulateur movement. Featuring a screw down see through case back, anti reflective sapphire double curve crystal, silver bezel and alligator strap. When style matters.
Introducing Bluebird "Set Aside" Savings Account
Added on : Wednesday September 25th 2013 05:00:17 AM
g: 0 Posted By: BenH
Views: 15 Replies: 0 I got an e-mail this morning -

There seems to be no incentive (like interest) for using it - but FYI, a new feature on BB:
BlueBird said: Were excited to introduce a new Bluebird feature The SetAsideSM Account, a useful tool that can help you put money away toward goals that matter to you.

Planning for: Holiday shopping?
A large purchase? A rainy day?

SetAside can help you reach these and other goals by giving you a separate place to store your funds until youre ready to spend.

Heres how SetAside works:


- Create your SetAsideSM Account by logging in to Bluebird.com or the Mobile App and selecting SetAside Account.

- Easily add funds with one-time or recurring transfers from your main Bluebird Account.

- Instantly transfer your funds back to your main Bluebird Account when you are ready to spend its your money, youre in control.


General Economics Deals
g: 0 Posted By: noshop
Views: 235 Replies: 0 Nintendo Wii Blast from the Past System Bundleby GameStop
Preowned console with 6 games (assume also pre-owned)

Not bad for what it is!


$79.99 + Shipping ($5)
Disney Epic Mickey
Disney Epic Mickey is an action-adventure platforming game for the Wii console that sends Mickey Mouse on an epic journey of creativity and discovery. As Mickey, the player is propelled into Wasteland, an alternate world made up of Disney's forgotten creative efforts, and is given the power to wield paint and paint thinner to dynamically change the world while determining Mickey's path to becoming an epic hero. Through the use of this unique paint and paint thinner, the key components of animation and Mickey's tools for impacting his world, players will have the ability to shape how the story unfolds as they discover the concept of "Playstyle Matters" - an innovative style of gameplay created by Disney Interactive Studios' Junction Point, led by industry luminary Warren Spector, where players creatively tackle different challenges in the world to explore all the possibilities and storylines - but with consequences for their chosen actions.

Wii Sports
Wii Sports offers five distinct sports experiences, each using the Wii Remote to provide a natural, intuitive and realistic feel. Players can use their own Mii caricatures in the game and play them against their friends' Miis for a more personalized experience. As players improve, their Miis' skill levels will increase, so that they can see exactly how much better they've become.

LEGO Star Wars: The Complete Saga
Building on the success of both LEGO Star Wars videogames, LEGO Star Wars: The Complete Saga enables families to play through the events of all six Star Wars movies in one videogame for the first time ever. From the Trade Federation's "negotiations" with Obi-Wan Kenobi and Qui-Gon Jinn in The Phantom Menace to the space battle above Endor in Return of the Jedi, The Complete Saga allows players to kick some brick through dozens of Story Mode levels.

Nerf N-Strike
The Search for the N-St rike El i te Begins. . . Through the din of a popular arcade, one player has emerged as the best N-Strike gamer his friends have ever seen. But even as Shane smashes through the game's record, something far more mysterious is happening: his success is being tracked and recorded. Shane is the perfect candidate for an ultra-exclusive invitation to become an N-Strike Elite. Later that night, he's awakened to find the Nomad C Series Recruitment bot hovering silently over his bed. "B.O.B." has a challenge for Shane. Join the quest to become an Elite Striker and he'll have access to Top Secret Blasters. It's all the incentive Shane needs, and as the one controlling Shane, it's your opportunity of a lifetime....

Star Wars: The Force Unleashed
12th Annual Interactive Achievement Awards Winner: Outstanding Achievement in Adapted Story The Star Wars saga continues in Star Wars: The Force Unleashed. You are Darth Vader's Secret Apprentice! The Dark Lord of the Sith himself has trained you to use a lightsaber and unleash the power of the Force, but now your destiny is your own. Will you join Vader as the next great Sith, or will you choose to defend peace and justice as a noble Jedi Knight? The expansive story, created under direction from George Lucas, is set during the largely unexplored era between Star Wars: Episode III Revenge of the Sith and Star Wars: Episode IV A New Hope.

Wii Play
Wii Play collects nine quick and addictive games that are easy to pick up and play and hard to put away. Thanks to the intuitive controls of the Wii Remote, even the most inexperienced gamers will have no trouble mastering the controls. Wii Play features nine seperate mini-games! Every game features a multiplayer mode, so you and your friends can compete for the high score or go head to head to see who's the best.
Pre-Owned Wii System Contains:

1 - Wii System.
1 - Wii Remote
1 - AC cable
1 - Standard AV cable
1 - Nunchuk and Sensor Bar



Nintendo Wii Blast from the Past System Bundle ‑ Wii
Wii Deals

GameStop Coupons
Nook Book Free Friday's - The Rockin' Chair by Steven Manchester
Added on : Friday September 20th 2013 04:00:13 AM
g: 0 Posted By: canavja
Views: 143 Replies: 0 Free today only -
http://www.barnesandnoble.com/w/the-rockin-chair-steven-manchester/1115092542?ean=9781611880687&itm=1&usri=9781611880687

Almost all positive reviews, hope it's a good one.

Overview
Memories are the ultimate contradiction. They can warm us on our coldest days or they can freeze a loved one out of our lives forever. The McCarthy family has a trove of warm memories. Of innocent first kisses. Of sumptuous family meals. Of wondrous lessons learned at the foot of a rocking chair. But they also have had their share of icy ones. Of words that can never be unsaid. Of choices that can never be unmade. Of actions that can never be undone.

Following the death of his beloved wife, John McCarthy Grandpa John calls his family back home. It is time for them to face the memories they have made, both warm and cold. Only then can they move beyond them and into the future.

A rich portrait of a family at a crossroad, THE ROCKIN' CHAIR is Steven Manchesters most heartfelt and emotionally engaging novel to date. If family matters to you, it is a story you must read.

Totally Free Deals
g: -29 Posted By: Gamethesystem
Views: 3376 Replies: 126 A recent post on Reditt (Link)got me thinking about clever or unusual ways to save money that are borderline or even completely unethical, but are geared more toward the FWF mentality.

Some of the comments in the other thread were pretty clever, including:
Reditt said: Whenever I go to a big chain movie theater, I get my tickets from those electronic kiosks they have at the front, and I buy the child's price tickets. They're way cheaper.

Reditt said: Make an appointment for the DMV for two weeks from today online (or whenever its available).
Save the confirmation page as PDF or HTML or JPG. Modify the date to todays date and the time to right now with Photoshop or edit the HTML with a text editor or whatever your most comfortable with.
Walk into the DMV past all the sorry people waiting hours directly to the "appointment line". Get served in under 5 minutes.
Done this multiple time, it works. Sometimes they say "oh, you're not in the computer, wierd. Doesn't matter - our system always screws up. Go ahead."

Some things that I thought up include renting a car and having a tire shop swap the tires with your own car when they are near the end of their life or buying a new product (identical to the old one) to swap out something that is outside of warranty and defective.

These aren't necessarily things I or others would do (or you could, I guess), but I figured it would be interesting/amusing to see what sort "cheats" people could/have come up with.
Discussion Deals
g: 1 Posted By: andrey2506
Views: 388 Replies: 3 I don't know if it's old news, but I thought I will share my experience switching from Geico auto.

Long story short, after purchasing a new car and adding collision and comprehensive my rate with Geico went pretty high up. So, I went shopping around and got a better rate with Progressive (about 25% less but with 50/100 instead of 100/300 I had with Geico).
Now, today I call Geico to cancel and they transfer me to my local department, then to a local insurance agent and he says that Geico recently implemented this new credit rating system. He then double-checks my info and pulls my credit report (soft pull, he says) and comes up with 30% off the current Geico rate, with all the same limits. So, $100 off with one phone call, not bad, I think.

BTW, I was with Geico for 3 years now. When I purchased my new car, I updated my policy but they did not mentioned any new credit rating system being used at the time (2 months ago).
Also, I have no accidents or tickets, but I don't know if that matters though.

Good luck!

edit: I am in OH




General Economics Deals
g: 0 Posted By: andrey2506
Views: 96 Replies: 1 I don't know if it's old news, but I thought I will share my experience switching from Geico auto.

Long story short, after purchasing a new car and adding collision and comprehensive my rate with Geico went pretty high up. So, I went shopping around and got a better rate with Progressive (about 25% less but with 50/100 instead of 100/300 I had with Geico).
Now, today I call Geico to cancel and they transfer me to my local department, then to a local insurance agent and he says that Geico recently implemented this new credit rating system. He then double-checks my info and pulls my credit report (soft pull, he says) and comes up with 30% off the current Geico rate, with all the same limits. So, $100 off with one phone call, not bad, I think.

BTW, I was with Geico for 3 years now. When I purchased my new car, I updated my policy but they did not mentioned any new credit rating system being used at the time (2 months ago).
Also, I have no accidents or tickets, but I don't know if that matters though.

Good luck!


General Economics Deals
Ways To Save Money Even If It's Unethical
Added on : Tuesday September 17th 2013 03:00:08 PM
g: -6 Posted By: Gamethesystem
Views: 387 Replies: 20 A recent post on Reditt (Link)got me thinking about clever or unusual ways to save money that are borderline or even completely unethical, but are geared more toward the FWF mentality.

Some of the comments in the other thread were pretty clever, including:
Reditt said: Whenever I go to a big chain movie theater, I get my tickets from those electronic kiosks they have at the front, and I buy the child's price tickets. They're way cheaper.

Reditt said: Make an appointment for the DMV for two weeks from today online (or whenever its available).
Save the confirmation page as PDF or HTML or JPG. Modify the date to todays date and the time to right now with Photoshop or edit the HTML with a text editor or whatever your most comfortable with.
Walk into the DMV past all the sorry people waiting hours directly to the "appointment line". Get served in under 5 minutes.
Done this multiple time, it works. Sometimes they say "oh, you're not in the computer, wierd. Doesn't matter - our system always screws up. Go ahead."

Some things that I thought up include renting a car and having a tire shop swap the tires with your own car when they are near the end of their life or buying a new product (identical to the old one) to swap out something that is outside of warranty and defective.

These aren't necessarily things I or others would do (or you could, I guess), but I figured it would be interesting/amusing to see what sort "cheats" people could/have come up with.
Discussion Deals
Unheard of 401K administrator
Added on : Sunday September 15th 2013 04:00:06 AM
g: 0 Posted By: FWaddiction
Views: 23 Replies: 0 Background: previous job had 401k with Prudential Retirement. New job has 401K (yet to enroll) with John Hancock (linky). I had never heard of it until now. But then Finance is not my strongest skill. I dont really have an option. John Hancock 401K it is! What do I do with the money sitting in Prudential? Roll over to John Hancock? Is it a reputable company to deal with? Or keep it at Prudential? Do I incur charges for changing/monitoring if I do so? Not sure if the amount matters but its a PLUM.
Investing Deals
MILES KIMBELL has a bunch of items starting at $0.32 +
Added on : Saturday September 14th 2013 02:00:02 PM
g: 0 Posted By: Ayla
Views: 130 Replies: 1 I made the post this way, because I wanted you to see that the shipping is $9.99, and Processing is $1.99.

BUT: If you find several items you want, and want to get gifts ahead for christmas, paying that will be worth it.

Enjoy shopping!



http://www.mileskimball.com/buy-holiday-resin-bear-325049?parent...


List Price: $5.99
Sale: $1.12


http://www.mileskimball.com/mileskimball/displayitem.aspx?id=339...

List Price: $29.99
Sale: $8.52


http://www.mileskimball.com/mileskimball/displayitem.aspx?id=315...

List Price:$2.99
Sale: $0.32


http://www.mileskimball.com/mileskimball/displayitem.aspx?id=335...

List Price: $29.99
Sale: $4.92


http://www.mileskimball.com/mileskimball/displayitem.aspx?id=dc0...

List Price: $9.99
Sale: $6.12

REFILLS:
List Price: $1.99
Sale: $0.72



Shipping is $9.99 and Processing $1.99
The price is the same no matter how much you buy
Check out other items
Home & Garden Deals

Miles Kimball Coupons
Bestbuy Sales Tax Question ... is this legal?
Added on : Friday September 13th 2013 05:00:12 AM
g: 0 Posted By: prozario
Views: 135 Replies: 3 Bestbuy Sales Tax Question ... is this legal? So order something online for in store pickup. It clearly states sales tax is where i pickup .. so my nearest store is in UEZ and has 1/2 sales tax of NJ from 7% to 3.5%. I Chat online, as the purcashe was showing full 7% tax, and the guy told me online that even if it sohws 7% your credit card will automatically get refuded and you get 3.5% back. So i order a mac and now they claim 7% is right tax (basically additional $35 bucks .. not whole lot but matter of principle).

Is this legal? Their website clearly states on pickup tax is what the destination tax is.Where sales tax applies, your online order will show tax applicable to the destination to which your order is shipped, delivered or picked up, at current tax rates. Shipping charges may also be subject to tax in certain states. Best Buy is required to collect tax in all states where we have a physical presence. You can estimate your sales tax by entering your ZIP code in your cart.
Tax Deals
Navy Federal: Fee Padding on Mortgage
Added on : Friday September 13th 2013 04:00:12 AM
g: 0 Posted By: zimma13
Views: 105 Replies: 0 I searched but didnt find anything. Sorry if this has been covered previously.

I'm in the midst of getting approved for a mortgage at Navy Federal. On the GFE the appraisal was quoted at $400. I got an email from a different person at NFCU asking where to charge the $390 appriasal fee, but yet I was still charged $400. I emailed both people I was dealing with and get a very quick response back that I'll be credited the $10. Its not the money that matters, its the fact that they overcharged me. I'm a stickler for crap like this. A few questions for those of you who have done this more than me:

1. If I request a copy of the appraisal invoice (I got the report), do they need to supply it to me?
2. Is it illegal for them to pad fees? If so, should I report it and to who?(after mortgage closes)It is often hard to prove, I think I just caught them by chance.
Real Estate Deals
Kodak Webcam $6.29 shipped w/KOHLS CHARGE
Added on : Wednesday September 11th 2013 05:00:04 AM
g: 2 Posted By: MISTERCHEAP
Views: 366 Replies: 2 http://www.kohls.com/product/prd-685165/kodak-webcam.jsp?prodId=685165&skuId=91188218&_requestid=9018573Connect to your loved ones using this Kodak webcam.No matter where your friends and family are, this webcam makes it easy to stay in touch. Reach out with this Kodak webcam.

640 x 480 resolution videos provide clear, full-motion live images.
Still mode captures up to 1.3 megapixel photos.
Included Kodak Software Control Center helps you capture, save and email webcam videos and pictures.
Parental control lock out featurelends security.
Mounting system attaches to any flat panel PC monitor or TV.
Details:

2.0 & 1.1 USB compatible
Compatible with Microsoft Windows & Mac
Compatible with AOL Instant Messenger, Windows Live Messenger, Skype, Yahoo! Messenger, YouTube, Facebook & Photobucket
Manufacturer's 1-year limitedwarranty
Model no. 11037-KHL

30% code is FALL30

WESHIPFREE - Free shipping with Kohls Charge thx GIZMO

Info on Kohls Cash FULL EARN $10/50 overlap 9/11-18 (thx gizmo)




Computers Deals

Kohl's Coupons
g: -1 Posted By: onlypinkfloyd
Views: 295 Replies: 0 http://www.androidpolice.com/2013/09/11/best-buy-will-currently-...


Cell Phones Deals

Best Buy Coupons
WM MO gone bad - funds deducted yet transaction declined
Added on : Monday September 09th 2013 03:00:05 PM
g: 0 Posted By: gruntwork
Views: 266 Replies: 1 I was using Metabank VISA to purchase MO from WM. PIN and everything was set correctly, however the transaction was declined with code 51 (insufficient funds). I paid with second card and transaction went through. However when I checked the online statement, the card showed the there was a PIN purchase and entire transaction amount was deducted. This is not an authorization hold, the money actual left the account. This exact same thing happened before in the same branch and the store cash office returned the money in cash. However for this card they say that they can only find the declined transaction in their books and I have to work with bank to recover the funds.

So upon filing dispute with the number on the back of the card, I get a letter demanding 'Proof of purchase' of GC otherwise the matter will be closed within 30 days. Stupidly, I didn't keep the purchase receipt as there was a balance when the PIN was set. Is there anything else that can be done? I mean its a GC, does the gift recepient always get a receipt?

Here is the online transaction history. Note the decline transaction is for $5.00, however WM receipt clearly shows a declined transaction charge of $500.00. So something is off.
8/23/2013 Decline Insufficient funds $0.00 $0.00 Transaction Details

Authorization Amount$5.00
Retailer NameWal-Mart Store
Purchase Date
Retailer Cityxxxxxxxx
Settlement Amount
Retailer ZIP Codexxxxxx

8/23/2013 PIN Purchase Wal-Mart Store -$500.00 $0.00 Transaction Details

Authorization Amount
Retailer NameWal-Mart Store
Purchase Date8/23/2013
Retailer Cityxxxxxx
Settlement Amount$500.00
Retailer ZIP Codexxxxx




Personal Finance Deals
WM MO gone bad - money deducted no MO
Added on : Monday September 09th 2013 02:00:06 PM
g: 0 Posted By: gruntwork
Views: 26 Replies: 0 I was using Metabank VISA to purchase MO from WM. PIN and everything was set correctly, however the transaction was declined with code 51 (insufficient funds). I paid with second card and transaction went through. However when I checked the online statement, the card showed the there was a PIN purchase and entire transaction amount was deducted. This is not an authorization hold, the money actual left the account. This exact same thing happened before in the same branch and the store cash office returned the money in cash. However for this card they say that they can only find the declined transaction in their books and I have to work with bank to recover the funds.

So upon filing dispute with the number on the back of the card, I get a letter demanding 'Proof of purchase' of GC otherwise the matter will be closed within 30 days. Stupidly, I didn't keep the purchase receipt as there was a balance when the PIN was set. Is there anything else that can be done? I mean its a GC, does the gift recepient always get a receipt?

Here is the online transaction history. Note the decline transaction is for $5.00, however WM receipt clearly shows a declined transaction charge of $500.00. So something is off.
8/23/2013 Decline Insufficient funds $0.00 $0.00 Transaction Details

Authorization Amount$5.00
Retailer NameWal-Mart Store
Purchase Date
Retailer Cityxxxxxxxx
Settlement Amount
Retailer ZIP Codexxxxxx

8/23/2013 PIN Purchase Wal-Mart Store -$500.00 $0.00 Transaction Details

Authorization Amount
Retailer NameWal-Mart Store
Purchase Date8/23/2013
Retailer Cityxxxxxx
Settlement Amount$500.00
Retailer ZIP Codexxxxx




Personal Finance Deals
g: 0 Posted By: lovelybones
Views: 46 Replies: 0 Linky

Frame:

Durability and all-day comfort of lightweight, stress-resistant O Matter frame material
Comfort and performance of Three-Point Fit that holds lenses in precise optical alignment
Interchangeable metal icons that snap into place (additional icons sold separately)

Lenses:

High Definition Optics for clarity, visual fidelity and impact resistance that meets all ANSI Z87.1 standards
XYZ Optics to extend clarity to the edge of a wide peripheral view
UV protection of Plutonite lens material that filters out 100% of UVA / UVB / UVC & harmful blue light up to 400nm

Accessories:

Included: Two sets of icons and collection specific Microclear bag for storage and lens cleaning

Sunglasses Deals
Magellan RoadMate 4.3" Portable GPS (Refurbished) $49.99 at Ben's Outlet
Added on : Friday September 06th 2013 06:00:03 PM
g: 1 Posted By: Ayla
Views: 366 Replies: 2 ONE DAY ONLY SALE

http://www.bensoutlet.com/products/magellan-roadmate-4-dot-3-por...

Need help finding a restaurant or gas station in a new town? This GPS is pre-loaded with more than 6 million points of interest (POI), so you can find local shops in a snap. No matter where the road takes you, youll know the exits with the Magellan Portable GPS.Features Include:

4.3 Premium Navigator
Lifetime Map Updates included, no more worries about out-of date maps
Traffic Alerts for real-time traffic alerts with no subscriptions or hidden fees
With spoken street name guidance, you hear the street name and direction for every turn
One Touch favorites menu allows you to quickly bookmark favorite destinations and searches anywhere you travel
Highway Lane Assist offers realistic highway signs that guide you to the correct lane when approaching an upcoming interchange or exit
Speed Limits offers options to display the speed limit for major roadways
Routing for multiple destinations lets you plan your trip with multiple stops in the order you choose or optimizes automatically for the most efficient route
AAA TourBook guides for the US and Canada gives the ratings and descriptions on AAA-approved places to stay, dine, and more
QuickSpell helps you enter addresses correctly - even if you are not sure of the spelling
When in need of Roadside Assistance, as a AAA member your navigator will display the phone number and your location
6 million points of interest quickly guides you to gas stations, restaurants, boutiques and more
Address book allows you to create and store contact information
Get to your destination, even in the dark with auto night view which adjusts the screens color and contrast
Maps: U.S., Canada & Puerto Rico
USB 2.0 port
PC compatible
Built-in speaker
QWERTY/ABCD keyboard
Li-ion rechargeable battery (included)
High-sensitivity GPS with 3-5 meter accuracy and multidirectional patch antenna
Operating temperature range: 14-158 Fahrenheit
Dimensions: 3.3" width x 5" height x 6" depth
Weight: 5.2 ounces

Package Includes:Magellan 2136T-LM GPS Receiver, Power Adapter, Users GuideList Price: $149.99Savings: (67%) $100.00 Our Price $49.99


GPS Deals
Magellan RoadMate 4.3" Portable GPS $49.99 at Ben's Outlet
Added on : Friday September 06th 2013 05:00:03 PM
g: 0 Posted By: Ayla
Views: 190 Replies: 1 ONE DAY ONLY SALE

http://www.bensoutlet.com/products/magellan-roadmate-4-dot-3-por...

Need help finding a restaurant or gas station in a new town? This GPS is pre-loaded with more than 6 million points of interest (POI), so you can find local shops in a snap. No matter where the road takes you, youll know the exits with the Magellan Portable GPS.Features Include:

4.3 Premium Navigator
Lifetime Map Updates included, no more worries about out-of date maps
Traffic Alerts for real-time traffic alerts with no subscriptions or hidden fees
With spoken street name guidance, you hear the street name and direction for every turn
One Touch favorites menu allows you to quickly bookmark favorite destinations and searches anywhere you travel
Highway Lane Assist offers realistic highway signs that guide you to the correct lane when approaching an upcoming interchange or exit
Speed Limits offers options to display the speed limit for major roadways
Routing for multiple destinations lets you plan your trip with multiple stops in the order you choose or optimizes automatically for the most efficient route
AAA TourBook guides for the US and Canada gives the ratings and descriptions on AAA-approved places to stay, dine, and more
QuickSpell helps you enter addresses correctly - even if you are not sure of the spelling
When in need of Roadside Assistance, as a AAA member your navigator will display the phone number and your location
6 million points of interest quickly guides you to gas stations, restaurants, boutiques and more
Address book allows you to create and store contact information
Get to your destination, even in the dark with auto night view which adjusts the screens color and contrast
Maps: U.S., Canada & Puerto Rico
USB 2.0 port
PC compatible
Built-in speaker
QWERTY/ABCD keyboard
Li-ion rechargeable battery (included)
High-sensitivity GPS with 3-5 meter accuracy and multidirectional patch antenna
Operating temperature range: 14-158 Fahrenheit
Dimensions: 3.3" width x 5" height x 6" depth
Weight: 5.2 ounces

Package Includes:Magellan 2136T-LM GPS Receiver, Power Adapter, Users GuideList Price: $149.99Savings: (67%) $100.00 Our Price $49.99


GPS Deals
Office Depot rebate software for the week of 09/08/2013
Added on : Thursday September 05th 2013 07:00:02 PM
g: 0 Posted By: bpvh
Views: 46 Replies: 0 Office Depot rebate software for the week of 09/08/2013


QuickBooks Online Simple Start For PC/Mac [826-207] $89.99
FREE After $10 Instant & $90 Mfr. Mail-In Savings


McAfee Total Protection 1 PC [830-743] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


McAfee Internet Security For 3 PCs [830-698] $63.99
$11.99 After $6 Instant & $52 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

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

Office Depot Coupons
Logitech UE/Squeezebox Radio $99 on Amazon - Patience Required
Added on : Thursday September 05th 2013 04:00:05 PM
g: 0 Posted By: dreadpiratemark
Views: 239 Replies: 1 $99 is the lowest price by far that I've seen a Logitech UE internet radiofrom Amazon. The catch is they now show as OOS BUT you can still place your order. So, hot deal if you're willing to be patient for them to come back in stock. Look to the 'more buying choices' on the right side of the site to order direct from Amazon for $99 instead of the $159 from the 3rd party sellers.

I have two of these and love them. Battery powered, seemless iTunes integration, good sound, perfect for parties and, most importantly, can be switched from Logitech's UE interface back to the Squeezebox format. Why does that last one matter? 1) More features in SQBX than UE, 2) more 3rd party add-ons, 3) much better iOS/Android apps for SQBX than UE (Orange Squeeze is great), 4) works with all other SQBX items if you want to add to your network.

Link-o-Matic
Home Theater & Audio Deals

Amazon Coupons
Grocery Outlet stores: Challenge salted butter in 1 lb block for $1.99
Added on : Thursday September 05th 2013 12:00:14 PM
g: 0 Posted By: kirbydog
Views: 76 Replies: 0 I saw it in their ad this week, but didn't really believe they would have any left when I went today. Lots in stock at Berkeley store. It's the "institutional" version, not the 1/4 lb cubes. I do a lot of baking and cooking so it doesn't matter to me that it is not in cubes. Typically the very best price I have found for this is $2.69 and that is not common.
Gross Out websiteto find locations.
Dairy Deals
Interest on death benefit payment for months after death until payout
Added on : Thursday September 05th 2013 10:00:11 AM
g: 0 Posted By: DTASFAB
Views: 2 Replies: 0 My father died 13 months ago. He had a 403(b) on which I was the sole beneficiary. I sent in paperwork to have the entire lump sum rolled out to an inherited IRA in October. The check to the IRA custodian wasn't cut until the end of January, more than 5 months after my father's death. I had been led to believe the full amount in the account would continue earning 7% interest for at least 6 months after his death, but that's not what the New York City Teachers' Retirement System has written to me in a letter. The letter states the following:

In accordance with the 1991 TRS Board Resolution regarding interest payments on death benefits, interest is credited using the lesser of on (sic) declining rate schedule or the rate of return on the TRS Non-Variable Annuity Funds. Previously, TRS erroneously applied only the declining rate. However, for payments issued on or after the March 2012 payroll, we started correctly doing both calculations and applying the applicable one. Please note that the rate of return earned by TRS on its Non-Variable Annuity Funds for the current quarter is based on the annual rate of return for the last previous quarter as reported by the Office of the Comptroller.

Furthermore, by resolution of the Teachers' Retirement Board on September 20, 2012, "where interest on a qualified pension plan or tax-deferred annuity death benefit is due, the rate of interest shall be the lesser of (a) 5% simple interest for the first year following the member's death and reduced by 1% simple interest per year for each of the following four years; or (b) a simple interest rate equal to the actual net rate of return on TRS' qualified pension plan fun assets calculated from the date of death of the member as determined quarterly (based on the previous quarter) by the Chief Accountant pursuant to data provided by the responsible agencies (but in no case shall principal be reduced)."

As further stated in the above-noted resolution, "the interest rate to be paid on a death benefit shall commence on the thirty-first day after the date of death and will continue until the earlier of the following date: a. the date the death benefit payment is issued, b. five years after the date of death, or c. six months following the date on which TRS sends death benefit claim forms to the beneficiaries."

For your information, we have enclosed a detailed breakdown of the interest computation used to calculate the interest on your TDA death benefit.

Earlier in the letter, it states, "your father's TDA account became inactive as of his date of death."

I've given up hope of getting 7%, which would have been around $40K for the 5 months in question, despite at least two TRS phone reps telling me the money was still earning that return, once last September and once last December.

Interestingly, although he died before the 9/20/2012 resolution, it was within less than 30 days of that date. I'm not sure if that makes a difference.

According to the interest calculations worksheet they enclosed with the letter, quarterly interest (5% declining rate) would have been over $18K. Quarterly performance was only $1065, which is what I got. I'd like to collect the difference of about $17,600 if possible. I've contacted a FINRA lawyer who said the case was way to small for him even if it were a slam dunk, but he recommended that I try the securities arbitration clinics at local law schools. They don't want to deal with this and referred me to the bar, where I got a reference to another lawyer this morning who I called. I left him a message and he hasn't called me back yet.

Questions:

(1) How relevant is the September 20, 2012 board resolution? Can they apply any new rules or procedures they enacted on that date to my father's account? They stated earlier in that very same letter that his account became inactive when he died. Therefore, wouldn't it have to be administered according to the rules and procedures in place at that time?

(2) The way this letter is written is confusing to me. In the fhird paragraph that begins with, "As further stated in the above-noted resolution," it's unclear whether they're referring to the 1991 resolution or the 9/20/2012 resolution. I'm not sure if it matters. Additionally, it seems the correction was made in March of 2012, and the 9/20/2012 resolution was included only for the purpose of detailing the method by which the Chief Accountant is to calculate the simple interest rate in part (b), which in my case was $1065.

(3) Basically, I think I'm screwed and I probably have no case to recover the $17,600 difference. Should I bother putting more time and effort into this?
g: 0 Posted By: archena
Views: 158 Replies: 0 Did not see this posted please lock if repost.

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

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] was $25.99

Steve Weisman (Author)

http://www.amazon.com/dp/B009PM8XOY

Publication Date: October 10, 2012

Publisher: FT Press

55 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing

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 theft

Identity 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

About the Author
Steve Weisman hosts the radio show A Touch of Grey, syndicated to 50+ stations nationwide, including WABC (NYC) and KRLA (LA). A senior lecturer at Bentley College, he is a member of the National Academy of Elder Law Attorneys and is admitted to practice before the U.S. Supreme Court. The legal editor for Talkers Magazine and a monthly columnist for the American Institute of Economic Research, he writes for publications ranging from The Boston Globe to Playboy and earned an ABA Certificate of Merit for excellence in legal journalism. His books include The Truth About Avoiding Scams, featured on Dr. Phil and CNN. Weisman holds a J.D. degree from Boston College Law School. He also operates the website www.scamicide.com, which provides the latest information on scams and identity theft.
Books Deals

Amazon Coupons
Simple question. Can I pull out principle out of my Roth IRA?
Added on : Friday August 30th 2013 02:00:08 PM
g: 0 Posted By: DellFanBoy
Views: 62 Replies: 3 Hi,

I've searched and read way too many blogs on this topic and I can't get a straight answer. I've put money in a Roth IRA back in 2006. I'm currently 29. Any yes/no answers are greatly appreciated!

1) Can I pull out the full principle from the Roth IRA without penalty?
2) if yes, then I will continue putting $5,500 a year and use this as an emergency fund. Is there a time restriction where I won't be able to touch the principle?
3) if I'm pulling out for a house does it matter?
4) can I borrow from an IRA (non roth) or old 401k if I'm not employed by the company?

If the answers to 1 is yes and 2 is no then I've failed as a fatwalleter.

Thanks in advance!
Investing Deals
Get our car insurance involved or not?
Added on : Friday August 30th 2013 11:00:12 AM
g: 0 Posted By: seankovacs
Views: 24 Replies: 1 Long story short, my wife was hit by a large truck in her brand new 2014 SUV (2 weeks old). It was their fault and the police noted as such (they admit as well). It was a large landscape company that hit her and they are self insured. In fear of not increasing our insurance rate by contacting our insurance, I decided to deal with the matter without them (so far). They told me to go get a quote and I went to a Nissan dealership (Infiniti SUV) and got one, though they don't even have the car in the system, so getting parts could be tricky. I sent it in and now they sent a "General Release" document for us to sign. And that's where the pleasure of dealing with them ends. I included the document less personal information for review, but it seems like it rids them of any guilt or wrong doing and also seems like it ends our relation once we get paid for the car repairs (the estimate did say there may be other damage not in the original estimate).

I'm very pissed of the situation as this is a very new expensive SUV ($60k) and for it to already be damaged is eating at me. Such is life.

Should we get a lawyer involved and/or our insurance (Geico)? Thoughts? My concern is the repair costing more and/or long term hidden pain my wife has?

Personal Finance Deals
g: 0 Posted By: rain74
Views: 82 Replies: 0 http://www.globalcitizen.org/

This site is similar to recyclebank, but instead of pledging for the environment, it's to fight poverty, women inequality, and other social justice matters. You click on the different pages to "take the pledge" and earn points. I just joined today, clicked on 3 pledges for a total of 9 points (signing up gives you a point), and entered a drawing for concert tickets in Central Park. They offer other concerts by different artists, but those seem to require more points (20 points).


Surveys & Rewards Deals
Need New Federal Student Loans To Qualify For 10% IBR
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 1 Posted By: perpetualstudent
Views: 139 Replies: 2 I went to grad school in 2009 to 2011 for an MBA and took out massive student loans. While things were not unexpected, basically everything went as badly as they could. (A) not qualifying for in-state tuition. (B) massive tuition increase between first and second year (C) not qualifying for an assistantship either year (D) not obtaining a paid internship and working for free over the summer.

While I did have a risk plan going in, every single risk occurred simultaneously and my mitigation strategy for this outcome was to use Income Based Repayment and qualify for forgiveness after 25 years. Had at least half of the things went right, I intended to pay back the student loans within 5 years. But everything possible went wrong and $150k of federal student loans at a weighted average of 7.4% interest is not something I can reasonably pay back. While this intro has nothing to do with the question in the post, I list it for background information.

The strategy now is to legally use the system in my favor and that will involve taking new federal student loans, because our president's student loan executive order in 2012 only helps people who have at least one student loan in 2012 or later, and who have no loans prior to 2008. If I get in that plan, then my IBR drops from 15% of my discretionary income down to 10% and the 25 year repayment period drops to 20 years.

I ran the numbers and it would make sense for me to stop working for a year and do one more year of school, in any program, it doesn't matter what, just so I can take out new federal students and thus put all $150k onto the new 10%/20 year plan. The new IBR rules apply retroactively to all previous loans, if you have at least one loan in 2012, not just to loans in 2012 and later.

The problem is only federal student loans work and certain criteria, of which I'm not certain of, must be met in order for federal loans to cover tuition. It's my understanding it must be some kind of "degree-seeking program." I don't think I can get a federal student loan to cover massage therapy school, for example.

Can anyone recommend how I might get a new federal student loan issued, considering I already have an MBA and a BA degree?

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
Giveaway of the Day - Easy Drive Data Recovery 3.0 (was $59.95)
Added on : Tuesday August 27th 2013 04:00:15 AM
g: 0 Posted By: remick
Views: 126 Replies: 0 Windows 2000, XP, Server 2003, Vista, Server 2008 and 7; Supported languages: English, Russian, French, Portuguese, Spanish, Italian, German

System Requirements: Windows 2000, XP, Server 2003, Vista, Server 2008 and 7
Supported languages: English, Russian, French, Portuguese, Spanish, Italian, German

Easy Drive Data Recovery is a supreme and mighty data recovery application that has a remarkable ability of restoring files in situations that may seem absolutely hopeless, like accidentally formatting a hard drive or having a drive corrupted because of a nasty virus or someones clumsy hands. While looking simple and undemanding, its powerful enough to restore files that arent even present in the file system.The program uses Raw Search, a special algorithm that enables finding files of almost a 100 formats. Reinstalling an operating system is no longer an obstacle on the way to successful data recovery the program can deal with files that have been erased and deleted. It also doesnt matter how large the hard drive is, even if its enormous, the search wont take long, thanks to the built-in optimized search engines.
Totally Free Deals
g: 0 Posted By: archena
Views: 408 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Passport through Darkness: A True Story of Danger and Second Chances [Kindle Edition] was $14.99

Kimberly L. Smith (Author)

http://www.amazon.com/dp/B005V21ZHE

Publication Date: January 1, 2011

Publisher: David C. Cook

131 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > History > Africa

#1 inKindle Store > Kindle eBooks > Nonfiction > Travel > Africa

As she shares her extraordinary stories of fighting human trafficking as an ordinary mom, Kimberly Smith offers hope for readers who wonder if God is calling them to greater things.

Passport Through Darkness takes readers on Smiths journey from normal family life and business, to Europe, to the deserts of Africa and ultimately, to the deserts of her own soul as she tries to live well as an imperfect American mom, crusade for justice for orphans around the world, and embrace Gods extraordinary dreams for her. When Kimberly and her husband risk everything to answer Gods call, they see God change and restore themeven amid exhaustion, marital struggles, and physical limitations.

This heartbreaking, heartlifting book is for anyone who longs to see God move their life from normal to one that matters. It is a call to readers to take one more step on their journey to know Gods heart.
Books Deals

Amazon Coupons
g: 2 Posted By: archena
Views: 130 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Business Innovation Insights (Collection) (2nd Edition) (FT Press Delivers Collections) [Kindle Edition] was $122.99

Luke M. Williams (Author), Deepa Prahalad (Author), Robert Brunner (Author), Ravi Sawhney (Author), Jonathan Cagan (Author), Craig M. Vogel (Author)

http://www.amazon.com/dp/B00COGYQOY

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews
#3 inKindle Store > Kindle eBooks > Business & InvestingAn up-to-the-minute collection of techniques for jumpstarting innovation in any market, product, service, or process Hot new ideas for supercharging business innovation in any market, right now: 4 extraordinary books from world-renowned pioneers in all facets of innovation!This 4-book package brings together todays fastest, most powerful, most realistic solutions for jumpstarting innovation -- whatever you sell, whatever industry youre in! Youll discover how to change the playing field, leverage your customers insights and expertise, uncover huge unmet needs, craft great customer experiences, and make innovation repeatable throughout your organization. In Predictable Magic, veteran industrial designer Ravi Sawhney and business strategist Deepa Prahalad introduce a breakthrough approach for systematically creating deep emotional connections between consumers and brands seamlessly integrating corporate strategy with design transcending the utilitarian (or even the beautiful) to build products that powerfully connect, touch, and move people... again and again! Next, in Do You Matter?, legendary industrial designer Robert Brunner (who laid the groundwork for Apples brilliant design language) and Stewart Emery help you use design to consistently create products, services, and experiences that matter to customers lives -- and thereby drive powerful, sustainable improvements in business performance. Through case studies from leaders like Nike, Apple, BMW and IKEA, they introduce design-driven techniques for managing your entire experience chain defining effective design strategies and languages managing design using (and not abusing) research extending design values into marketing and manufacturing encouraging design innovations that open entirely new markets! Then, in Disrupt: Think the Unthinkable to Spark Transformation in Your Business, frog designs Luke Williams shows how to start generating (and executing on) a steady stream of disruptive strategies and unexpected solutions. Williams combines the fluid creativity of "disruptive thinking" with the analytical rigor thats indispensable to business success. The result: a simple yet complete five-stage process for imagining a powerful market disruption, and transforming it into a reality that catches your entire industry by surprise. Finally, in the highly-anticipated Second Edition of Creating Breakthrough Products: Revealing the Secrets that Drive Global Innovation, Jonathan Cagan and Craig Vogel offer an indispensable roadmap for uncovering new opportunities, identifying what customers really value today, and building products and services that transform markets. This edition contains brand-new chapters on service design and global innovation, new insights and best practices, and new case studies ranging from Navistars latest long-haul truck to P&Gs reinvention of Herbal Essence. You know how Crucial innovation has become this 4 book package will help you infuse it throughout your entire organization!From world-renowned business innovation experts Deepa Prahalad, Ravi Sawhney, Robert Brunner, Stewart Emery, Russ Hall, Luke Williams, Jonathan Cagan, and Craig M. Vogel
Books Deals

Amazon Coupons
g: 0 Posted By: bpvh
Views: 181 Replies: 0 Office Depot rebate software for the week of 08/25/2013(McAfee titles $9AR and $15AR)


McAfee AntiVirus Plus [830-644] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In Savings


McAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & $58 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

====================
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Office Depot Coupons
g: 5 Posted By: archena
Views: 1238 Replies: 7 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children [Kindle Edition] was $5.99

Sandy Richmond (Author)

http://www.amazon.com/dp/B00EJVRE5U

Publication Date: August 13, 2013

Publisher: Sandy Richmond

Reviews updated now

7 Reviews ★★★★★

#3 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Minimalist parenting is about raising responsible, calm, respectful children without complicating the process. It's about striving to get rid of all the unnecessary things in our lives so that we can focus more on the things that really matter. Children are our future. Let's remember where the focus should be.

Discover:
What minimalist parenting is and isn't (it's not what you think)
what the minimalist parenting approach is to handling a variety of common parenting situations (it doesn't have to be complicated)
4 minimalist themes to guide you (you're almost guaranteed success using these)
tips to help you get started on the minimalist approach
a bonus tip for getting rid of stuff

In the Bonus Report you'll receive additional tips for dealing with negative behavior, road trips, food dislikes, household chores, and more.

So scroll up and grab your copy of Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children
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Account Closed, NOT notified!!! Bank of Anti America
Added on : Tuesday August 20th 2013 06:00:07 PM
g: 0 Posted By: TruckerGuy
Views: 88 Replies: 5 I have done some research online. Within an hour of searching, I realized that many have had a similar situation to mine and in fact for most, much worse. I use been using a small, local, community owned bank for many, many years. I am a Professional Truck Driver, and not having access to a bank while on the road is very inconvenient. I have been a customer of Chase within the past and would not do business with them again. After this issue with B of A this week, I also will not be doing business with them again. The small town I live in only have two national banks, not even any regional ones, only a Chase, B of A, and the rest are all local (1-3 branches each).

=8ptI opened a B of A MyAccess Checking the first week of August 2013. As stated before, I am a truck driver which keeps me on the road for 1-2 weeks at a time. When I finally arrived home and obtained my mail all the pertinent account documents had arrived i.e.; debit card, pin, temporary online banking password and welcome packet. My initial $100.00 opening deposit was funded via ACH with my current checking account with the small, local bank as referenced above.

08/17/2013: I receive mail, activate debit card, register for online banking

08/19/2013: In Illinois (not my home state) I visit a B of A ATM and make a personal check deposit in the amount of $350.00 ($450.00 Balance, $100.00 Available Balance, $350.00 Processing, $150.00 On Hold)

*Personal Check was from my roommate for household expenses. He is also a truck driver thus; we do not see each other often. This is our typical way of paying each other, writing personal checks and then leaving them in a designated spot in the house. NOTE: His check has the same address on it as mine, as we live together.

08/20/2013: In Illinois, same branch, same ATM. Withdrawal of $300.00. Personal check deposit in the amount of $300.00. ($450.00 Balance, $0.00 Available Balance, $350.00 Processing, $250.00 On Hold)

*Personal Check from same roommate, forgot to deposit it the previous day.

08/20/2013: Later this same day, online banking log-in attempt unsuccessful. Telephone banking states account is overdrawn. (-$8,888.88 Balance, $650.00 On Hold)

08/20/2013: Contacted B of A via online secure chat. "Account is being handled by a different department." Referred to contact via phone next business day as their office was already closed. Online CSR would give no further information on account stating, "With your account in this status, I cannot access it from my system, which is why you have to contact the other department."

I have been doing research and have come to the conclusion that this is some type of Risk Management/Fraud/Investigations account closure department. I am SERIOUSLY HOPEING that the -$8,888.88 Balance is just some sort of code for within the B of A. There is NO POSSIBLE WAY that I have overdrawn my account to that extent, or any for that matter.

WHY? What is B of A's fraud matrix, so on so forth. Why would this type of legitimate transactions be considered suspicious? I spoke to a friend who works in banking. This type of activity may seem "unusual" in her opinion. And apparently in the banking world "unusual" automatically = fraud. She works for Chase and said that her BIG BANK as she called it, will shut people down at a moment's notice as well. Chase however typically places a freeze on the account and doesn't just close it all willy nilly.

I HATE large banks, because none of them seem to give a darn about Joe working man. They have much more high end personal and business customers in which they can make their money off of. I understand that banks need to make money in order to stay in business, but they shouldn't be trying to do it with deposit accounts. That's what LENDING is for. Now with my account locked out, I am stuck 500 miles away from home with no access to any money. My other bank account with the small local bank hasabout enough money left in it to buy a cheeseburger or two, as I planned on closing it after a few weeks with B of A. Not anymore!!! I may be able to get an advance on my pay check from my company in the morning and I am simply lucky to have that option to fall back on. From the information I can gather online with others who have had a similar experience, me trying to get any answers from B of A is practically pointless if it is a fraud case.I will be the %95 percent of customers who get screwed by B of A and just don't have the time nor energy to fight them.

I just want my money back...plus the other questions I asked,any suggestions??? Thank you!
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g: 2 Posted By: archena
Views: 192 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children [Kindle Edition] was $5.99

Sandy Richmond (Author)

http://www.amazon.com/dp/B00EJVRE5U

Publication Date: August 13, 2013

Publisher: Sandy Richmond

The Reviews are messed up for this one.

#3 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Minimalist parenting is about raising responsible, calm, respectful children without complicating the process. It's about striving to get rid of all the unnecessary things in our lives so that we can focus more on the things that really matter. Children are our future. Let's remember where the focus should be.

Discover:
What minimalist parenting is and isn't (it's not what you think)
what the minimalist parenting approach is to handling a variety of common parenting situations (it doesn't have to be complicated)
4 minimalist themes to guide you (you're almost guaranteed success using these)
tips to help you get started on the minimalist approach
a bonus tip for getting rid of stuff

In the Bonus Report you'll receive additional tips for dealing with negative behavior, road trips, food dislikes, household chores, and more.

So scroll up and grab your copy of Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children
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Contest speeding ticket or not
Added on : Tuesday August 20th 2013 01:00:06 PM
g: 0 Posted By: samjd
Views: 1 Replies: 0 Hello,

I got speeding ticket along I-25 in Thorntob, a northern suburb of Denver, few days ago. Just half an hour ago, I had received the news of a friend passing away and was in a sense was rushing to their home (73 in 55 zone). I typically drive within 5-10 miles of posted limit and thought it was a 65 MPH zone, while so many things were going through my mind. I received a 4 point violation that will lowered to 2 if I plead guilty, by paying $145. The officer refused to let go with a warning. If I appear in the court and mention my state of mind, is there a possibility the judge might dismiss the case? Anybody has any experience on such matters? Or should I just pay the fine and accept the 2 points, and not waste my time?

Thanks
g: 2 Posted By: archena
Views: 2818 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
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vehicle abandoned on my property - what to do?
Added on : Saturday August 17th 2013 04:00:11 AM
g: 0 Posted By: solarUS
Views: 138 Replies: 4 i have an investment property (condo) with 2 dedicated parking spaces. one is vacant, the other has an abandoned vehicle in it. truck's been there a long time, according to former tenants. no tags, WAY expired brake tag (aka inspection sticker)...what is my recourse for getting rid of it?tow companies don't seem to have an interest in towing it, i honestly dont know why - perhaps because they will have to store it while they conduct the process for getting it titled? the local salvage place will give me $200 to give them a bill of sale and they will tow it away. i dont want the money, but more importantly, i dont want to open myself up to a fraud situation because i dont [think i?] own this vehicle.state is Louisiana if that matters...i just want the damn thing gone. should i keep calling all the tow places? is there something i am missing in all this?
Personal Finance Deals
g: 4 Posted By: DjScibbity
Views: 262 Replies: 9 OK, so this is my first FW post on the finance forum and Im not sure this belongs here, but here goes:I purchased a home about a year ago that had the in ground Sentricon terminte system installed and was being service by Arrow Exterminators. As far as I know, the original owner paid a lot initially to have them install the system and then paid annually ($350 which is insane) for them to come out and monitor the stations. So, after I moved in, I began receiving invoices from Arrow Extermiantors (AE) for $350 to renew the annual contract and "Termite Warranty." Being an active Fatwalleter (and a devout skeptic), I was leary of the whole Sentricon system (read about all the cons to this system as well as ways exterminators wiggle out of the termite warranties) and felt that $350 was a waste of money. So, I ignored the invoices and decided I would use the stations since they are there and just monitor and service the stations myself (its not rocket science, though I am versed in that as well). I found online companies that sold replacement bait and read through all the literature on Sentricon and similar systems (still skeptical about it working effectiely, but since it was there I might as well use it).
Anyway, to make a long story longer, I came home from work yesterday and saw a plastic bag on my doorknob. Inside the bag was a brochure from Arrow Extermiantors saying they came and removed all of the in ground bait stations since I have not paid for the annual renewal. I was quite PO'ed at this for many reasons.

First, they came onto my property and into my back yard (I do not have a fence) while I was at work WITHOUT my permission. Thats trespassing in my book and if I was home, I wouldnt have let them onto my property.
Second, they removed all the stations and in many cases, left large holes in the ground, disturbed the ground cover, and were sloppy. Now I need to go back and refill holes, re-spread pine straw, etc. I have a few pictures of some of the holes, but its a bit difficult to see in pictures.
Third, what would have happened if my dog was outside and bit them or if they got injured on my property? This seems like a VERY poor practice.
Last, it was my understanding that the bait stations were paid for by the original owner and that the annual fee was for monitoring and re-baiting if necessary. Maybe this is untrue, but it wasnt clearly explained to me by Arrow.What are my rights and options here? Call and talk to them and get them to reinstall? Take them to small claims court? I cannot leave the holes because I have a dog that could fall into them and it just looks bad. I was planning on calling Arrow today to give them a piece of my mind and ask for compensation/rectification, but I expect them to tell me to go pound sand. I dont really care too much about the stations, but if I did want to use them again, I would be forced to pay a lot to reinstall them - something that was already paid for by the original owner of the house. I appreciate all of your advice.PS - Property is in GA (1.5 acres) in case it somehow matters-DJScibbity
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g: 5 Posted By: MISTERCHEAP
Views: 355 Replies: 2 http://www.staples.com/McAfee-Internet-Security-2013-for-Windows...This is the item above, deal valid in store only. Be sure to get the SMALL BOX (approx 4x6") with the Always On Rebate card offer inside. (limit 5 on this offer per household)$63.99
less 20% q here http://www.staples.com/coupons?PID=2026489&CID=AFF%3A361116%3A36...= $51.19-$5 off $50 coupon in other HD thread- $54 MIR prints out at register (mailin only) Limit 1 - $2.32 in rewards back (if paid by cc/cash/gc but NOT rewards- $20 always on rebate inside box$30.20ish mm less tax. FOR ALWAYSON $20 REBATE"Trick" is to go directly to this site, NO NEED TO INSTALL CRAP or to REGISTER/LOGIN software, etc...:
https://www.mcafeealwayson.com/indexUS1/Then click on "Go" under Step 1, a new window/tab of your browser will popup (I'm using Firefox on a PC laptop, if that matters) to register or login. Go back to your (original) 1st browser window and click on the "Go" under Step 2. Initially, you cannot click on the "Go" under Step 2 because it is not highlighted. Now site should just ask you to enter the product-Key for the software and the reward code on the $20 card... You can close/ignore what is in window2/tab2 that just opened. No need to register, just enter your name/mailing address of where to send your $20 rebate card and you are done in less than 2 min.
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Tips for new married couple setting a budget?
Added on : Thursday August 15th 2013 06:00:10 PM
g: 0 Posted By: dougan778
Views: 60 Replies: 2 I am going to be getting married soon and I want to start using a budget with my wife and I. I have always been extremely frugal and have never seen the need for a budget, because I only really spend money on essential things anyway. My fiance is not irresponsible, but also not insanely frugal, so we do have two different perspectives. I figure setting and using a budget would be very helpful-- otherwise, I think that I'll find myself being the bad guy on a daily basis. If we can take care of the compromising and discourse up front while creating a budget, then the day-to-day matters won't be so stressful. I've heard a lot of discussion on here about how to manage money with a spouse, so I'm wondering if anybody had any tips on setting up a budget like this?We both work and pull in about $110k annually together.
g: 0 Posted By: BigBoyMichigan
Views: 228 Replies: 0 https://www.cedarpoint.com/online-fun/michigan-days Welcome Michigan residents!
Cedar Point is issuing you an invitation to enjoy some special ticket offers for the Worlds Best Amusement Park between August 19 and September 2. Theres also a deal for overnight stays from August 19-29. So get your family and friends together and enjoy our collection of roller coasters, including the new GateKeeper, take a spin on your other favorite rides and experience a beautiful late-summers day at Cedar Point! ADMISSION DEALS
===============
$44.99 - Regular* Ride & Refresh Ticket: includes one-day admission ticket to Cedar Point AND an all-you-can-drink Coca-Cola products wristband (a $7 value)$29.99 - Jr./Sr.** Ride & Refresh Ticket: includes one-day admission ticket to Cedar Point AND an all-you-can-drink Coca-Cola products wristband (a $7 value)$39.99 - Regular one-day admission ticket to Cedar Point only (SAVE $15 off the gate price!)
*An...est, age 3-61, 48" or taller in shoes
**Any guest, age 3-61, under 48" tall in shoes; Any guest age 62 & olderMichigan Days takes place August 19 through September 2, 2013. Cedar Point charges $5.99 per online order no matter how many tickets you buy at once. CLICK LINK ABOVE TO PURCHASE your ticket online today!
MICHIGAN meijer IN-STORE OFFER
==============================
Purchase any Cedar Point single admission ticket between August 18th and September 7th, youll get a meijer coupon for 5 dollars off your next shopping trip when you check out. Enjoy family fun at Cedar Point, and save on your next meijer shopping trip too! Savings valid in Michigan stores only.  CEDAR POINT RESORTS OFFER
=========================
Save up to 20% on select hotel room types at the Cedar Point Resorts between 8/19 and 8/29. Excludes Camper Village and Lighthouse Point. Discount amount varies and applies to room rate only. Limited availability and restrictions apply. Cannot be combined with any other promotion, discount or offer.https://www.cedarpoint.com/online-fun/michigan-days
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g: 7 Posted By: archena
Views: 1760 Replies: 5 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
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g: 0 Posted By: BigBoyMichigan
Views: 105 Replies: 1 20/20 Market Research is currently conducting a new research study regarding Financial Services (13-0991.51) and would like to invite women ages 25-50 to participate in a live "virtual" one-on-one interview taking place Tuesday, August 27th and Wednesday, August 28th.

This interview will take place in a secure online site and will require you to participate for 60-minutes using a web cam. If you don't have a web cam, don't worry...we can send you one and get it setup for you in no time! Because it's online, you can participate ANYWHERE with an internet connection.

For your time and participation you will be paid a $75.00 online Visa gift code, and as always, any information you provide will remain strictly confidential. To see if you qualify, please click HERE to answer a few brief questions. So sit back, relax and get paid to be you. Because your opinions are what matter most.



If you would like to be contacted directly about future studies, become a member of our Market Research Panel by clicking HERE.

No sales or solicitations, ever. Strictly Market Research!
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g: 0 Posted By: archena
Views: 184 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
Books & Magazines Deals
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
free book on social media
Added on : Monday August 12th 2013 01:00:04 AM
g: 0 Posted By: kindleguyz
Views: 7 Replies: 0 last one from me today - Social Media Marketing for PublishersAmazon.comdescription
Marketing your books or publishing brand through social media needn't be confusing! This eBook is the essential Publisher's Handbook to all social media activities that you need to know about. Social media marketing expert Liz Murray guides you through a series of social media topics by making the subject matter easy to understand, engaging and personal. You'll learn the same methods that she has used working with well known publishing brands. Key areas covered include social media planning, websites and blogs, Facebook, Twitter, other social media marketing sites, measuring ROI and social media tools. The book is aimed at those who want to gain a low level understanding of all areas of social media rather than extensive knowledge about one area. It's the perfect go to handbook, there when you need to refer to it.
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Need advice on how to pursue baggage damage claim
Added on : Sunday August 11th 2013 06:00:06 AM
g: 0 Posted By: stardent
Views: 41 Replies: 1 I recently checked a luggage (brand new suitcase I had recently purchased for $250) on Hawaiian Airlines and it arrived with one of a latches being sliced as though with a knife. I filed a claim with the airlines as soon as I noticed the damage and here is what they told me:Based on the pictures you have provided as well as the pictures sent by our SEA staff, scuff marks are excluded from liability. Please kindly refer to our "Hawaiian Airlines Domestic Fares Tariff no. DFR HA-2", Rule 230, B item 4, titled "Exclusions from Liability", states HA shall not be liable for damage to the baggage unless it impairs the ability to protect its contents, and specifically shall not be liable for: damage arising from the normal wear and tear of baggage handling, including but not restricted to scratches, scuffs, punctures, dents, stains and marks The tariff can be found at Hawaiianair.com, Quick Links; About Hawaiian; Contract of Carriage. It is regrettable that our tariff precludes our acceptance of liability in this matter. If you are to pursue this claim through private insurance, I will forward a copy of this file, upon request to your broker.I am upset because this was a pristine piece of luggage when I checked it in and as someone who flies at least once a month, this sort of damage is something new. I am feeling a little paranoid thinking this was a deliberately inflicted damage. Secondly, how is it excusable that a piece of metal is sheared off like this? I am looking for any advice on how I may proceed based on past experience. By the way I was charged a checked in luggage fee for this ($25).
TIA.
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Added on : Saturday August 10th 2013 09:00:12 AM
Dauphine tote by Sonia Rykiel is made for the urban warrior who wants to stay in style no matter how busy she is. Cotton canvas in black and white stripes, gold toned zip and round »jewel» accents, leather front pocket. Ample room for iPad, makeup, and all the other things you need on the go.
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g: 3 Posted By: remick
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FinCEN and You. The Laws Behind Trying To Manufacture Spend.
Added on : Thursday August 08th 2013 09:00:17 PM
g: 9 Posted By: BenH
Views: 761 Replies: 9 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all. UPDATED DISCLAIMER: This is meant to be an informational post to understand things on the back-end a bit better. Even with full understanding it is unlikely to help you net a higher spend. Individual retailers have different policies and those policies are often misunderstood or unevenly enforced. Thread title updated to clarify).After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and he became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
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g: 0 Posted By: bpvh
Views: 202 Replies: 1 Office Depot rebate software for the week of 08/11/2013 (McAfee titles $10AR and $15AR)
This is a bit odd but the same McAfee titles that were in the last two-week offer are in this two-week offer as well.
McAfee Internet Security 2013 [830689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In Savings
--- http://forms.young-america.com/133386_MC71-415-2013-08-08.pdf
--- rebate #13-74972 (two previous weeks was #13-74626)
--- valid 08/11/13 and 08/24/13McAfee Total Protection For 3 Users [830788] $72.99
$14.99 After $7 Instant & Before $58 Mfr. Mail-In Savings
--- http://forms.young-america.com/133379_MC71-413-2013-08-08.pdf
--- rebate #13-74363 (two previous weeks was #13-74364)
--- valid 08/11/13 and 08/24/13
====================****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.====================
Software Deals

Office Depot Coupons
FinCEN and You. What you need to know for Manufactured Spending.
Added on : Thursday August 08th 2013 05:00:17 PM
g: 1 Posted By: BenH
Views: 141 Replies: 1 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all)After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
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Sick with noro virus on celebrity cruises Alaska
Added on : Wednesday August 07th 2013 09:00:06 PM
g: 0 Posted By: junkmailncrap
Views: 77 Replies: 1 I caught the noro virus on a nine day celebrity cruise to Alaska. My calls to the doctor on the ship were all unanswered. I later found out that A hUge percentage of the ship was sick. i didn't bother checking into the infirmary as no one returned my calls and i was too weak to move. I simply quarantined myself in my cabin and drank chicken soup when I wasn't busy in the bathroom...
I emailed the cruise line when I recovered to demand reimbursement for the 5 days that I was locked in my cabin. My reasoning being they knew by the second or third day that there was an out break. The cruise ship didn't take precautions until the fifth day. Which was too late for me. I stated the cruise had an obligation to serve me clean food and warn me if there were an outbreak. A third of the dining guests were missing by the 3rd night. I also found out they purposely under reported the number of crew member. It was clear that a large amount of crew members were ill but the CDC report I read stated they only had 9 ill crew members.What upset me was they told me since they have no record of me being ill they didn't have an obligation to reimburse me. I told them that they can confirm with the person who made up my room who knew I was sick. They then came back and told me they can offer me $50 on board credit for my next cruise. All further emails to the cruise line were ignored.
You may say Its my fault that I got sick but as someone who understands how the noro virus is spread I would have taken precautions if they announced it sooner.Any advice on how I can pursue this matter? It's a matter of principle as I took vacation time off for this trip and all I did was barf for a week.
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prepping for small claims court - as defendent
Added on : Monday August 05th 2013 11:00:11 AM
g: 2 Posted By: spanky42
Views: 291 Replies: 11 Not sure why I waited until the day before trial to post, but thought I would get this topic out there...other than the usual 'pay your debt, deadbeat' comments, I was looking for a little prep on going to small claims court. I am an amateur house flipper (buy foreclosure and renovate for sale or rent) and hired a contractor to run a remodel foreclosure I had recently purchased. He had done well coming into the middle of my last house (late last year) so we did a gentlemen's agreement (nothing in writing) that he would be the general contractor on this job and I would pay him per hour (hiring piecework is too hard on a foreclosure since you don't know what you are getting into)...basically I agreed $20/hour each for him and two of his workers. Everything was going ok (other than taking too long) for the first month, but eventually he started taking other jobs (when he promised he would be at my house the majority of the time) and then when I questioned why nothing was getting done, he told me that I needed to find a drywaller to finish the drywall along with an electrician and so on and so on...and that I owed him $2700 for time and materials from the last two weeks (I had paid him over $10k up to this point). I went over to the jobsite to find the drywall that his crew hung in terrible condition - walls didn't line up, screws all over the place, etc. Then the ceiling started leaking during a rain storm...I found they hadn't sealed up holes that drilled in a sidewall for blowing in insulation in the attic. I said I wasn't paying until this was fixed. He then came back with how all I did was complain and never got him material and time and it was my job to line up the finishers (I assumed that is what a 'general' does!), so he pulled off the job and left me with a mess. Then I received the court papers saying he was trying to collect what I owed him. So for prepping, I have all of the emails we sent back and forth and I'm bringing in the contractor that followed him as a witness along with pix I had taken (I'm attaching some to this post). I've never seen a bill for his materials, which I will pay if he produces one, but I don't feel I should have to pay labor based on substandard work - but maybe that is not a defense? We have no official agreement, but the emails dictate bills, etc so one could see that I was paying him by the hour. I'm just so tired of contractors coming in until the work gets too hard or they get a better offer and moving on, expecting to be paid up to that point, leaving the homeowner to find someone to come in and follow their crap work. Bascially the drywaller told me he added at least $500 to the cost of his finishing because of all the extra mud he had to use. I had a roof guy come in and fix the leaks for a couple hundred. I'm just not sure what a magistrate will say to his request and what I can do to disprove it. Did he work those hours he billed me for? I have no idea as I wasn't there, but I'm assuming he worked some - just enough to do a terrible drywall hang job.Any legit suggestions? yeah, I know I should get a written agreement, but in this case I don't think it would matter.By the way, I'm in Michigan.
Thanks for the info.
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Tipping on take-out, aka Drew Brees 'controversy'
Added on : Monday August 05th 2013 09:00:04 AM
g: 0 Posted By: tuphat
Views: 227 Replies: 9 Where do FW Finance junkies stand on this issue?Drew Brees amazed at tip reaction
ESPN.com.com news servicesMETAIRIE, La. -- Drew Brees says he's amazed his $3 tip on a $74 takeout order last month has become a talking point on national television and the Internet.The quarterback was in the locker room at Saints headquarters Thursday morning when he noticed a discussion on a network morning show about tipping on takeout orders, referencing a photograph of his takeout receipt that was circulated online.Brees said he figures the person who initially photographed the receipt did so innocently because he visits the San Diego-area restaurant regularly and poses for photos with staff.The quarterback said he was disappointed "that it actually got spun and perceived as -- you immediately jump to the conclusion that he stiffed a waiter or waitress. That's the part that bothers me."Brees responded to the blog himself on Twitter.Brees suggested the headline to the initial blog post, which referred to him as "cheap," could have just as easily stated instead that he typically gives restaurant staff a few extra dollars on takeout orders, "but nobody's going to read that."Brees' contract with the Saints pays $100 million over five years.The quarterback did not appear deeply disturbed by the matter, smiling often while discussing it. He said he'll be happy if his takeout tip turns out to be the biggest controversy he has to discuss all season.
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g: 0 Posted By: tedhawkins
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BIG: The 50 Greatest World Record Catches is, well, big. This gorgeous coffee-table book grew out of a late night conversation between author and IGFA historian Mike Rivkin and noted artist Flick Ford. Rivkin, a salt-water angler, began speculating on the greatest big-game catches of all time, and Flick - a freshwater man - chimed in with his own list of notable bass, salmon, and trout captures. After much debate - and perhaps a few refreshments - the two had hammered out a list and concluded that a book needed to be written to put the matter at rest. So here it is.In the end, Rivkin's extensive research through the IGFA's archives along with Flick's gifted paintbrush created a book unlike any other. The oversized format provides a generous look at the 50 greatest catches, each with a lively narrative and visuals along with Ford's lushly reproduced painting. The fish range from the modestly-sized smallmouth bass to a giant black marlin weighing more than three-quarters of a ton. All the famous billfish and tuna are represented, just as are the major bass, catfish, and trout. For the angler, ichthyologist, marine scientist, or budding sportsman, this is the book for them.Published by Greenwich Workshop Press, 2008, hardbound, 216 pages, fully illustrated.
About the authors:Flick Ford studied art for 10 years and then dove into New York City indie film, publishing, illustration, and music. He has been painting fish since the early 1990s. Concern about the effects of pollution, over-development, and acid rain in the Northeast inspired him to keep a record of all the fish he caught. Flick's first book , FISH: 77 Great Fish of North America was published to critical acclaim in 2006. His detailed watecolor portraits of fish are widely exhibited and sought by collectors. Today he lives on the Hudson River outside Albany, New York, where he ties his own flies and fishes more than 100 days per year. Mike Rivkin is a retired catalogue publisher widely recognzied for his spirited and successful copywriting. He is also an avid and experienced offshore angler, past president of the venerable Tuna Club of Santa Catalina Island, and a past IGFA International Representative. Mike has written extensively on the history of angling, including widely acclaimed books on the history of the IGFA, angling before and during WWII, and the West Palm Beach Fishing Club. On the water, he has caught every type of marlin that swims, including a 1,226 lb black marlin taken off Australia in 1984. Today Mike lives in La Jolla, California with his wife and children and plies the Pacific waters nearby.
g: 7 Posted By: archena
Views: 2125 Replies: 3 Shazaam! Effectively Using Photo Reflectors and Photo Filters! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SAWZPSPublication Date: April 6, 201246 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > LightingRevised and expanded edition!Here in Volume 11 of the On Target Photo Training series - "Shazaam! Effectively Using Photo Reflectors And Photo Filters!, we delve even deeper into the creation and manipulation of light.This is another "must have" volume - if for no other reason than the section on the UV filter has the potential to save you thousands of dollars!Here is the table of contents to show a bit of what is covered...Introduction
Review:
Color
RGB
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Gimp
Light Management
How Many Lights Do You Need?
More Is Not Better
The Reflector
Filling In The Shadows
Reflector Or Flash?
A Reflector Can Be Better Than A Flash
The Reflector As A Main Light
Saving Money With Reflectors
Creating A 5 Light Studio Portrait With Reflectors
Filters
Filters Vs Photoshop
Filters In Action
The UV Filter
The Polarizing Filter
The Neutral Density Filter
The Graduated Neutral Density Filter
Colored Filters
Do Not Buy Solid Color Filters
Graduated Color Filters You Will Need
Alternate Filters
Storing Your Filters
Removing Stuck Filters
Photo Exercise
Additional Photo TrainingIt's easy to spend hundreds of dollars on lights...but it isn't necessary! With the judicial use of reflectors, it is possible to turn one single light into a 5 light setup! AND that one light could even be the sun!You can get results to rival the best studio shooters with very little cost. Reflectors can even be homemade - so they cost almost nothing.Filters - for the most part physical "on camera" filters have dropped by the wayside due to the digital revolution.We still use filters, but now - with many of them - it is after the fact (in Photoshop) rather than in front of the lens. But, there ARE a few filters we still need on camera. the effects simply can't be easily done (or done at all) in Photoshop...The UV Filter - This one can literally save you thousands of dollars.The Polarizing Filter - this one should be in your camera bag ALL THE TIME! The results you will get can take your photography to completely new levels and it is difficult if not impossible to duplicate the results in Photoshop.The Neutral Density Filter, Graduated neutral density filters and so on...Read through this easy to understand and easy to implement course volume and in a matter of minutes you will have a firm grip on effectively lighting with reflectors and using the essential filters.
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Added on : Sunday August 04th 2013 06:00:06 PM
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9 Free Kindle Books
Added on : Sunday August 04th 2013 05:00:11 PM
g: 0 Posted By: remick
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Case Logic SLCC-2 Digital Camera/Camcorder Case @ Sears - $19.20 - FS
Added on : Sunday August 04th 2013 03:00:03 PM
g: 0 Posted By: Farfisa850
Views: 82 Replies: 0 Case Logic SLCC-2 Digital Camera/Camcorder Case @ Sears - $19.20
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Added on : Saturday August 03rd 2013 06:00:10 AM
g: 8 Posted By: archena
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g: 1 Posted By: archena
Views: 172 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.How to Grow Glorious Wheatgrass at Home Tutorial: With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil [Kindle Edition] was $7.99Eryn Paige (Author) http://www.amazon.com/dp/B00A6VTN9WPublication Date: November 12, 20126 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Healing#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > NutritionLearn how to grow thriving wheatgrass with over 200 beautiful pictures to guide you in this How to Grow Glorious Wheatgrass at Home Tutorial - With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil. You will learn how to effectively grow this unsurpassed green vegetable in an especially nutrient rich way.This tutorial specifically zeros in on how to successfully grow wheatgrass at home. You will learn why good soil selection truly matters, how to exceptionally fertilize your soil in a safe manner, how to foliar feed your wheatgrass, how to select the right seeds, how to properly water, how to overcome challenges with mold, plus so much more. The growing wheatgrass instructions can be used to grow barley grass as well. It also contains research resources on the benefits of wheatgrass.Eryn Paige embraces the nourishment from the ocean to powerfully fertilize the appreciative wheatgrass - a fertilization method which she believes holds tremendous promise for an enhanced tomorrow.Glorious wheatgrass and its remarkable juice awaits you!About the Author
Eryn Paige is the Editor of HealthBanquet.com. Growing nutrient rich wheatgrass embracing the fertilization power of the ocean is one of her passions. She loves sharing about this phenomenal plant that has so much to offer physically and mentally and so many lessons to teach. To learn more you can follow her on Twitter - http://twitter.com/HealthBanquet or visit her website - http://www.HealthBanquet.com/ or find out news at her Facebook page http://www.facebook.com/HealthBanquet
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g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Word Up! How to Write Powerful Sentences and Paragraphs (And Everything You Build from Them) [Kindle Edition] was $8.99Marcia Riefer Johnston (Author), Scott Abel (Foreword) http://www.amazon.com/dp/B00CYSB2IKPublication Date: April 27, 201364 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Education & Reference > Words, Language & Grammar > Grammar#2 in Kindle Store > Kindle eBooks > Education & Reference > Writing, Research & Publishing Guides > Writing SkillsEven the best writers want to know how to write more powerfully.You may write blog posts, e-books, e-mails, executive summaries, e-zine
articles, hospital-hallway signs, presentations, proposals, lab reports,
letters to the editor, love letters, lunch-bag notes, movie reviews,
news stories, novels, online help, plays, poems, proposals, recipes,
reference manuals, scholarly critiques, speeches, term papers, tweets,
user-interface text, video scripts, web pages, or white papers.You may write for a million readers or for one. You may use a pen, a
typewriter, a wiki, or an XML authoring tool. You may be a grammar snob,
or you may think that "grammar snobs are great big meanies." You may
write because something within you says you can't not write--or because
your boss says you can't not write. No matter what you write, or how or
why, you and every other writer have two things in common: you use
words, and you want someone to want to read them.How do you get people to want to read your words? Know your subject.
Know your audience. And write powerfully. This book can help you write
powerfully.
1 year Emergency Food $900 free ship Ebay deal Augason Farms
Added on : Wednesday July 31st 2013 01:00:04 PM
g: 0 Posted By: obeydacracka
Views: 245 Replies: 4 1 year Emergency Food $900~ free ship eBay deal
It says "limited quantities"
Augason Farms~ 1 Person~ 1 Year Kit, I've seen this For $1000 on sale at Costco.com, but you don't need a card here. Listing has details of the contents.LinkMy opinion, all the 1 year deals, no matter who makes them, are just the bare minimum calories to sustain you for a year. Either add to them, or buy extra.Other eBay deals on emergency supplies here:
link2
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FREE Kindle Book - Of Cabbages And Kings (Humor) was $9.99
Added on : Wednesday July 31st 2013 07:00:10 AM
g: 0 Posted By: archena
Views: 92 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Of Cabbages And Kings: A Collection of True Short Stories that Celebrate the Good, Bad, Ugly & Funny Things That Make Life Worth Living [Kindle Edition] was $9.99Randa M. Chance (Author) http://www.amazon.com/dp/B00B51Y8VKPublication Date: January 21, 201313 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > Parenting & FamiliesDo you think an experience needs to be big and important to be valuable? What about those small, funny, poignant moments, those that dont seem to be very significant? Can you actually learn life lessons from those simple things in life?Randa Chance shares true-life stories that are gut-wrenchingly sad, side-splittingly hilarious, and achingly tender. Laugh out loud with her as she swallows a bobby pin and when she becomes psychotic at the end of her pregnancy. Sigh with her when she meets her remarkable husband. Cry along with her as she realizes that, as a young mother, and the wife of a church-planting pastor husband, theres no food to feed their kids, nor money to buy any. Each vignette charms the reader with real emotions and youll keep turning the pages to read just one more.Randa Chance shows readers from all walks of life that significant moments dont have to be big and important to truly matter. Sometimes a moment consists of a fully-clothed grandmother executing a cannonball dive into the creek, just to help her family say good-bye with smiles instead of tears. Sometimes its about finding the funny in the insensitive, instead of taking offense. Sometimes a moment is about how Christmas can still be special even after you burn down the house. Randa manages to find those priceless moments while juggling life as a wife, mother, pastors wife and a writer.Readers from all walks of life will be challenged to hold those they love just a little closer, to consciously appreciate not just the big moments but also the little ones, and to find contentment, laughter and beauty even in some of lifes most difficult circumstances.
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FREE Kindle Book - The Devil's Double Original Book was $9.99
Added on : Tuesday July 30th 2013 07:00:13 PM
g: 0 Posted By: archena
Views: 42 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Devil's Double Original Book, (which was made into a feature film of the same name, This Book Sold Over 6.7 Million Copies Worldwide in Twenty Languages.) [Kindle Edition] was $9.99Latif Yahia (Author)http://www.amazon.com/dp/B009SFWLXMPublication Date: October 15, 2012Publisher: Arcanum Media Group10 Reviews ★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Presidents & Heads of State#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History > Operation Desert StormTHE DEVILS DOUBLE:
is the first of 3 autobiographical books chronicling Latif Yahias incredible life story.
It vividly describes how Latif was forced to become Uday Husseins fidai (body double) and gives a unique insight into the extreme extravagance and cruelty of the Saddam regime.
Latif survived assassination attempts and witnessed Udays psychotic temper, rapes, orgy parties, torture atrocities, and sadistic murders. The book has recently been made into a highly acclaimed movie.THE BLACK HOLE:
gives a fascinating account of what happened to Latif in Europe after he escaped from Iraq. How he was treated by western governments and the CIA. How Uday sought revenge on Latif and vice-versa. How he was offered a British passport by Saudis to murder a dissident and how they beheaded Latifs Saudi princess lover. How Latif made and lost a fortune. How he strived in vain for a peaceful life and survived 4 more assassination attempts.Forty Shades of Conspiracy:
brings Latifs story right up to date by detailing his time in Ireland. His run-ins with drug-dealers, Corrupt Irish Garda officers and Irish politicians who continually denied him Irish citizenship.
His despair as a beggar on the streets and the happiness he found after he met the love of his life. His reaction to Uday and Saddams deaths and his opinion on the current political situation in Iraq all makes fascinating reading.Book Description:
In 1987, Latif Yahia was taken to Saddam's headquarters to meet Uday, Saddam's eldest son, and told that a great honour had been bestowed upon him: that because of the great likeness between them, he had been chosen to be Uday's double.
For many Iraqis it would have been the highlight of their lives, but for Latif, a peace-loving man who did not agree with Saddam's brutal regime, it was not. He refused. Following a week of torture, and realising he would be killed if he continued to refuse, Latif was forced to accept the role.
After a gruesome training programme during which he was made to watch over thirty films of torture, hours of tapes of Uday, and undertake a final remodelling of his appearance, Latif was deemed ready.
But it was only after the final test, a meeting with Saddam himself, that Latif made his first public appearance. And so began his life as Uday's double - a life on the perimeter of the inner circle of Saddam's eldest son, a witness to the horror of his insane life of debauchery, excess and brutality, and an experience for which he almost paid with his life on more than one occasion. From The Publisher:
Latif Yahia has never attained citizenship from another country, still stateless since his flight from Iraq in 1992, he attributes this to the fact that he refused to work with intelligence services against his country. There should be a distinction made between Saddam and Iraq, being against the invasion of Iraq in 2003 did not mean that he was for Saddam, he opposed the war because he knew what it would do to the Iraqi people and the country as a whole and also who would be appoionted Iraqs new leaders and what they too were capable of. At the beginning of the invasion, Latif Yahia warned the American led forces that they may remove one Saddam but they would create one hundred and they may remove one Uday but make one hundred more. This has been proved by recent events in Iraq, After his flight from Iraq Latif Yahia was considered by Saddam and the regime to be a Traitor, now within the new government he is considered to be a collaborator.
A no win situation.You may or may not be aware that Mr. Yahia is donating his royalties from all sales of the book, to the Iraqi children Orphaned by the American invasion of Iraq in 2003 and the subsequent warA note from the Author This book was written in 1992, originally it was 1,000 pages long with even more facts and details than contained in the pages herein, because of it's size the original publisher trimmed it down to the 300 or so pages that it is today. After the fall of Saddam Hussein and his regime in 2003 the facts in this book were confirmed. Many of Uday Hussein's employees found new masters over the years since my flight from Iraq, some work for the US intelligence services, some for the UK, but no matter how they may try to discredit me and my story the facts remain and as you now know I had already put them on paper in 1992, eleven years before the regime fell. I did not have a crystal ball to know all these things, I knew them because I was there, that was my life. Uday's employees have admitted in the Western media to being Pimps for him, they also admit to working as spies against him for the US and the UK intelligence services in return for citizenship of the respective country, what I ask is this, If a man is willing to sell women to a man that he knows to be a sadist, if he is willing to sell his country and himself, is it not then conceivable that he will sell his soul and say anything for money? I have paid a high price for my refusal to co-operate with the intelligence services, the CIA in particular, after twenty years in the West I am still stateless, I cannot return to Iraq because the new Government consider me a colaborator of the Hussein regime, although while they were in oppossition to Saddam they found my book to be a useful tool against him and his regime. Saddam while in power considered me a traitor. I do not regret my decision to leave Iraq or write my story, but I have not found the Western governments to be as open and democratic as they were portrayed to us in the Middle-East. In my search for a new counry to call home, I have found that those whose story is a fabrication are given the protection of the state as they are no threat, money is their only goal in life so they will not rock the boat', while I, who have an opinion and voice it openly (that is probably my biggest problem) am ignored, refused and while not told to leave am not made especially welcome either, I am tolerated. I do not nor did I ever seek fame, I have not made money from my story and if I do it will go to charity. It amuses me how the tables turn, when Saddam was in power my book was held up in the US Congress and given as a reason for Saddam's removal, now that Saddam is gone those that once used my story for their benefit have tried to denounce me, I have been interviewed by the world's biggest and best names over 1,800 TV, Print and Radio, journalist's who do their research and know who to ask for opinion, the old guard who took pride in their work and valued their reputation. While there are still some true journalists out there many work to order if their editor wants a specific story they make it, true or not, there is no oversight. Although it was never my intention, this book has been used as propaganda for the War on Iraq, my intention when I wrote it was to open the eyes of the world to the horrors and atrocities committed by the regime and to spur the Iraqi people into action. It will always disturb me that the Iraqi people never had a chance to participate in The Arab Spring and depose Saddam and his regime themselves, It may be a very different place today if they had had the chance to do so. Best regards to all, Latif Yahia . --A note from the Author.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that va --D. Smith, wall street journal.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that vantage point he was, he reports, privy to all the machinations and horrific excesses perpetrated on the Iraqi people by the family and government of Saddam Hussein. After serving in that capacity from 1987 to 1991, Yahia was imprisoned and tortured before being released?then fled to Europe, where he still lives. The author's message seems to be a warning to the rest of the world: If you thought Saddam was a cruel tyrant, just wait until Uday takes over! Although this work is easy enough to read, it is filled with graphic details of torture, murder, and rape. Recommended only for large collections in the subject area.? --David P. Snider, casa Grande P.L., Ariz. Library JournalThis is The Story of A man who knows too Much... He Looted Kuwait, Survived Assassina - Tion Attempts, and was at his Boss Uday Hussein's Side During Some of Iraq's Grisliest Moments. --D. Smith, wall street journal.
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g: 0 Posted By: archena
Views: 80 Replies: 0 Shazaam! Effectively Using Photo Reflectors and Photo Filters! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SAWZPSPublication Date: April 6, 201246 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > LightingRevised and expanded edition!Here in Volume 11 of the On Target Photo Training series - "Shazaam! Effectively Using Photo Reflectors And Photo Filters!, we delve even deeper into the creation and manipulation of light.This is another "must have" volume - if for no other reason than the section on the UV filter has the potential to save you thousands of dollars!Here is the table of contents to show a bit of what is covered...Introduction
Review:
Color
RGB
Hand Tinting
Harmonizing
Gimp
Light Management
How Many Lights Do You Need?
More Is Not Better
The Reflector
Filling In The Shadows
Reflector Or Flash?
A Reflector Can Be Better Than A Flash
The Reflector As A Main Light
Saving Money With Reflectors
Creating A 5 Light Studio Portrait With Reflectors
Filters
Filters Vs Photoshop
Filters In Action
The UV Filter
The Polarizing Filter
The Neutral Density Filter
The Graduated Neutral Density Filter
Colored Filters
Do Not Buy Solid Color Filters
Graduated Color Filters You Will Need
Alternate Filters
Storing Your Filters
Removing Stuck Filters
Photo Exercise
Additional Photo TrainingIt's easy to spend hundreds of dollars on lights...but it isn't necessary! With the judicial use of reflectors, it is possible to turn one single light into a 5 light setup! AND that one light could even be the sun!You can get results to rival the best studio shooters with very little cost. Reflectors can even be homemade - so they cost almost nothing.Filters - for the most part physical "on camera" filters have dropped by the wayside due to the digital revolution.We still use filters, but now - with many of them - it is after the fact (in Photoshop) rather than in front of the lens. But, there ARE a few filters we still need on camera. the effects simply can't be easily done (or done at all) in Photoshop...The UV Filter - This one can literally save you thousands of dollars.The Polarizing Filter - this one should be in your camera bag ALL THE TIME! The results you will get can take your photography to completely new levels and it is difficult if not impossible to duplicate the results in Photoshop.The Neutral Density Filter, Graduated neutral density filters and so on...Read through this easy to understand and easy to implement course volume and in a matter of minutes you will have a firm grip on effectively lighting with reflectors and using the essential filters.
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g: 2 Posted By: remick
Views: 272 Replies: 0 http://www.amazon.com/gp/product/B001M60BKU/Jon M. Huntsman built a $12 billion company from scratch, the old-fashioned way: with integrity. There were short-term costs and difficult decisions. There were tough times. Times just like today. But ultimately, leading with integrity wasnt just personally right for Huntsman, it also proved to be the best business strategy.In Winners Never Cheat, Huntsman tells you how he did it, and how you can, too. This book is about remembering why you work, and why you were chosen to lead. Its about finding the bravery to act on what you know is right, no matter what youre up against.

Its about winning. The right way.

Think about the kind of person you want to do business with. Then, be that person--and use this book to get you there.
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Repair or ditch old civic?
Added on : Saturday July 27th 2013 07:00:07 AM
g: 0 Posted By: TheDragonn
Views: 90 Replies: 4 FWF besties,My Civic is a ripe old +/- 13 years old with about 135 kilomiles on the odometer. Recently, the check engine light came on, and the mechanic (who I have used for years and trust) said that the sum total of the repairs needed was likely around 1k. I don't remember off the top of my head what parts specifically had failed/were failing, but that's a sizable sum of the car's value. What to do? To complicate matters, I'm moving out of the area (far away) in about a year and will certainly be selling the thing then. Here's a snapshot of some facts: - car worth +/- 3000, according to KBB
- necessary car repairs at or around 1k
- I haven't put a ton of $ into the thing in the past, and it's been largely reliable (only expensive routine maintenance was the timing belt a few years ago and other similar things that one would expect on an older vehicle)
- I'm definitely selling the thing in a year at the latest, as I will be moving far away and not taking this trust little beater with me.What's the general consensus on cost-of-repairs vs car's-value? Would you repair the thing and just continue driving it for the year? I don't foresee any other expenses in the near future (nothing scheduled soon like another timing belt, etc), and frankly wouldn't feel comfortable just trying to unload it on someone now for 3k knowing that it requires a bit of work. Cough up the 1k and continue driving for a year? Ditch it and uhhh buy a crown vic for the next twelve months? Lease a ///BMW? Thanks.
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g: 0 Posted By: lovelybones
Views: 79 Replies: 2 linkRelax your mind with a soothing, uninterrupted listening experience. These lightweight and comfortable noise-canceling headphones deliver tranquility no matter where you are. Shut out up to 80% of the ambient noise around you with the MDR-NC60 noise canceling headphone. Great for work, traveling or just when you're trying to sleep in a loud place, they provide a calming atmosphere no matter where you are. The pressure-relieving cushion offers premium comfort, and the lightweight, folding design makes storing them a breeze. Includes a premium travel case and "AAA" batteries
g: 0 Posted By: bpvh
Views: 355 Replies: 2 Office Depot FAR software for the week of 07/28/2013 (McAfee titles $10AR and $15AR)
McAfee Internet Security 2013 [830-689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In SavingsMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & Before $58 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.====================
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Office Depot Coupons
g: 0 Posted By: bpvh
Views: 102 Replies: 0 Office Depot FAR software for the week of 06/28/2013 (McAfee titles $10AR and $15AR)
McAfee Internet Security 2013 [830-689] $45.99
$9.99 after $4 Instant & $36 Mfr. Mail-In SavingsMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & Before $58 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.====================
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Office Depot Coupons
iParkedHere FREE for iOS for a Limited time
Added on : Wednesday July 24th 2013 04:00:08 PM
g: 0 Posted By: seemegan
Views: 71 Replies: 0 https://itunes.apple.com/us/app/iparkedhere/id408605548
DescriptioniParkedHere will tell you exactly where your car is, no matter where you parked it. It will even notify you when you need to return to your car!You will never have to pay extra carpark fees again. Save yourself time, frustration and money by downloading iParkedHere now!Features:
✓ Find your car in any shopping centre
✓ Find your car on any street
✓ Indoor mode for carparks & shopping centres
✓ Outdoor mode for street parking
✓ Timer that tells how long you've parked
✓ Sounds alarm - Set timer for desired time
✓ View 'Time Remaining' or 'Time Elapsed'
✓ Take a picture of where you parked
✓ Notes to enter nearby landmarks
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Rear end a SUV with small compact
Added on : Tuesday July 23rd 2013 08:00:20 AM
g: 0 Posted By: Luser
Views: 10 Replies: 0 Hi FWF,Thank you all that helped me in the past. I am not going to write a wall of text.Here my story. I rear end in a hitch of a SUV two month ago. No police report. No insurance has been reported. I told the SUV driver that I would pay to cost of the repair if he takes the SUV to my mechanic. SUV driver waits 3 weeks to contact me via SMS text that he is going to take it to my mechanic. He never showed up to my mechanic. I mean anything could have happen to the SUV in 3 weeks. Contacts me again after 2 months period. Accident was in New York City if that matters.How should I proceed?
g: 0 Posted By: archena
Views: 144 Replies: 0 7 Simple Choices for a Better Tomorrow [Kindle Edition] was $13.99Bob Merritt (Author), Bill Hybels (Foreword) http://www.amazon.com/dp/B0080K3IF6Publication Date: July 1, 2012Publisher: Baker Books23 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help > Personal TransformationLife is hard--for everyone. No matter how gifted or fortunate, everyone will experience some level of disappointment in life: difficult classes, jobs, relationships, and losses. But by following basic disciplines anyone can experience accomplishment, freedom, and ease in navigating through life's daily challenges.In this positive, insightful book, Bob Merritt describes a set of universal principles that work for everyone in every stage of life, showing that what we do today determines who we become tomorrow. Anyone who has experienced pain or confusion from lost opportunities, broken relationships, or a nagging sense of emptiness will treasure this book that shows them that the best of life has not passed them by.
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g: 0 Posted By: Butcherboy
Views: 140 Replies: 0 Disney Winnie The Pooh Postcard Large Diaper Bag w/ Changing Pad $8.99 ($33 at Amazon) + Free Store Pickuphttp://www.kmart.com/disney-winnie-the-pooh-postcard-large-diape...Amazon $33 + Shipped
http://www.amazon.com/Disney-Winnie-Postcard-Large-Diaper/dp/B00...Kmart has the Disney Winnie The Pooh Postcard Large Diaper Bag w/ Changing Pad on clearance for $8.99 (Reg. $14.99). Pickup in-store or have it shipped free if you have SYWM. This has 4-1/2 stars out of 8 reviews. The next best price I could find for this is a third party seller at Amazon for $33 here [Amazon.com].Disney Winnie The Pooh Postcard Large Diaper Bag w/ Changing Pad [Kmart.com]
Product Description Large Disney Diaper Bag Has Room for Everything You Need
No matter whether you and baby are packing for a day out on the town or an overnight trip to grandma's house, take everything you need with style in the Winnie the Pooh Postcard Diaper Bag! The bag's large main compartments and multiple storage pockets provide the perfect storage solution for all your changing items: Pad, wipes, diapers, bottles and other accessories will all find a home here. The zippered pockets will keep even the tiniest items secure and easily accessible.
The large Disney Diaper Bag features three of everyone's favorite friends: Winnie the Pooh, Piglet and Tigger, too! The fun image on this budget-friendly bag's largest pocket shows the three best pals jumping rope and having a blast, and their happiness is likely to rub off on you and baby when you carry this bag.Winnie the Pooh Postcard Diaper Bag has a long shoulder strap for no-hands carrying and has room for everything baby needs for a day on the go
Multiple zippered compartments will keep all your essentials secure all day long and an included plastic zip-top pouch will keep damp or soiled items separate
Changing pad is included and perfectly coordinates with other Winnie the Pooh items
Fun green color and friendly Disney image is gender-neutral and perfect for boys and girls, moms and dadsCorwin76 op
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International Visa charge dispute issue
Added on : Friday July 19th 2013 12:00:06 PM
g: 0 Posted By: kyle0k
Views: 96 Replies: 1 I will try to keep this as short as possible. This is an issue with my Chase Sapphire Preferred visa credit card.I booked a parasailing tour while on vacation on the Caribbean. It was $130 for 4 of us at 15 minutes each. First off it turned out to only be about 5 minutes each and we had to wait for an hour for others on the boat to go. Then I come home to find out that they charged me $160. They obviously charged me in their local currency which I didnt have a calculator on hand to do the conversion. I verbally confirmed with them that it will only be 130 USD. At the time I was not worried since I was confident in my protection from my credit card.Well as it turns out, I filed a dispute, telling them exactly this. That the service wasnt as described. A couple days later I get a call telling me that they are unable to file this dispute because this is an international charge and the only option for international is unauthorized charge. No matter how much the customer service representative agreed with me, she said she was bound by visa international regulations. I finally was able to file a dispute for the difference in the charge ($30) as unauthorized. But she basically said as long as the merchant even replies, I will unfortunately lose and she cannot do anything about that.To say the least, I was SHOCKED that I have no protection when using my card internationally. Obviously, now I know and I will be diligent with confirming conversions. Is there really nothing I can do? The most shocking part was that Chase refused to even open a dispute. It wasn't that I lost the dispute, just that they refused to open and send the dispute to the merchant. I thought it was my right to open a dispute, regardless of reason, and if anything I would just lose the dispute.Is this just Visa or Chase regulations or all credit cards? If I paid with my AMEX, would I have had this same issue? I have filed 2 or 3 chargebacks with AMEX (all legitimate), and I have never even so much as received a phone call about it.
Personal Finance Deals
Bank abusing customers and breaching arbitrator's rules?
Added on : Thursday July 18th 2013 07:00:06 PM
g: 1 Posted By: emcdemc
Views: 108 Replies: 0 Hi All,I have posted on and off over the years. I have been dealing with something recently that I thought you all would find interesting:In Citibank's non-negotiated consumer agreements (i.e. checking accounts, overdraft accounts, etc.) there is a mandatory arbitration clause. That clause names AAA and JAMS as the consumer's choices for arbitrator. AAA and JAMS consumer due process rules are binding on the drafting institution. Failure to abide by those rules renders AAA and/or JAMS unable to arbitrate the matter.AAA and JAMS rules grant the consumer a right to small claims that cannot be precluded. Preclusion of said rights should result in a denial of jurisdiction.Specifically, AAA and JAMS impose the following rules on anyone that seeks to use them for dispute resolution in consumer cases:AAA Consumer Due Process Protocol, Principle 5: Consumer ADR Agreements should make it clear that all parties retain the right to seek relief in a small claims court for disputes or claims within the scope of its jurisdiction.;AAA Review of Consumer Cases, Page 1: If the AAA has determined that the arbitration clause does not comply with the standards contained in the Protocol, and the business does not comply, the AAA will not handle your claim. However, you may pursue whatever other remedies you choose in another forum;JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (1B): JAMS will administer arbitrations pursuant to mandatory pre-dispute arbitration clauses between companies and consumers only if the contract arbitration clause and specified applicable rules comply with the following minimum standards of fairness. These minimum standards for arbitration procedures are: 1. The arbitration agreement must be reciprocally binding on all parties such that: A) if a consumer is required to arbitrate his or her claims or all claims of a certain type, the company is so bound; and, B) no party shall be precluded from seeking remedies in small claims court for disputes or claims within the scope of its jurisdiction. [Emphasis added]I filed a small claim against Citibank. I live in Arizona. In Arizona, if you motion a small claim to a higher court, it is automatically granted. Well Citibank not only motioned the claim to a higher court, it simultaneously motioned to compel arbitration. I replied by pointing out the above arbitrator rules. Nonetheless, the court granted Citibank's motion to compel arbitration. (I later hired an attorney and he has mentioned that the courts are extremely biased towards arbitration - and towards not making tough decisions).Anyways, Citibank effectively precluded my right to small claims.Here is what the contract says, in the section entitled "DISPUTES EXCLUDED FROM ARBITRATION":
"Disputes filed by you or by us individually in a small claims court are not subject to arbitration, so long as the disputes remain in such court and advance only an individual (non-class, non-representive) claim for relief."So, really, when you get down to it, the court was right in interpreting that clause as it did. The claim was no longer in small claims and therefore it did not have to be excluded from arbitration. Fine. Stupid technicality.The problem is that this limited view fails to take into account the rules of AAA and JAMS. AAA and JAMS both should, when presented with this information, reject arbitration. AAA and JAMS should determine that the aforementioned clause as drafted does not grant the consumer a right to small claims court - as my experience clearly demonstrates.One would assume that if AAA and JAMS agree with me (and I have a hard time seeing them completely ignore their own rules), then a great many if not all of Citibank's consumer agreements have arbitrators named that cannot arbitrate these disputes.Finally, the arbitration provision includes the following clause:
If any portion of this arbitration provision is deemed invalid or unenforceable, the entire arbitration provision shall not remain in force."Thus the entire arbitration provision should be struck from the agreement.Opinions? Thoughts? Advice?
Discussion Deals
Advice Requested: Insurance or Repair (pics included)
Added on : Thursday July 18th 2013 01:00:08 PM
g: 1 Posted By: Horseymen
Views: 180 Replies: 0 I appreciate any thoughts/help that can be provided.I consider myself a home improvement rookie. It's just not my thing. One of the more embarrassing moments in my life was trying to put together an Ikea TV stand for 45 minutes, and my wife got frustrated, took it away from me and finished it in 7 minutes. This kind of stuff just isn't where my brain is powered. If you have technical comments, please understand I won't understand most of what you're saying, so talk in small words. I have had a bathroom leak for about a year. Everyone keeps giving different advice. About 6 months ago, I had someone come out, say it was a caulking issue, recaulked the shower, it slowed down (so I thought).About 2 months ago, my wife went into the closet where she keeps all the shoes that she never uses, picked up a shoe and saw the bottom shelf of the closet was loaded in mold. Clearly the caulk kept whatever the source of the leak was from coming into the tile - and it went into the wall and took care of that. We removed the bottom panel (where all the mold was) which then allowed for water to quit soaking into the wood - and move closer to saturating the entirety of the carpet.About 3 weeks ago, we had a paraprofessional come out, look at it, take apart the shower and notice the drain pipe was completely busted. More than likely, some of the water when going down the drain was going out, had nowhere to go, so it, as water will do, went into the wall, out any area possible.So, this was fixed, drain pipe repaired, drywall repaired, new carpet put in the closet - all is good. Out about $1200 bucks.Fast forward to about 10 days ago when my wife noticed it was leaking again. This is where I look to the internet for advice, because I'm an idiot, and I've asked two professionals and have heard two different things.I have a coverage in my homeowner's insurance which covers slow leaks and the damage that has been done (and the repair) - it was an added coverage that I've had, so it's not a normal part - but something my insurance guy recommended.The deductible for homeowner's insurance is 1% - or in this case, about $4,000 dollars.I've had a general contractor come out and look at it and a plumber. General contractor says that this is a caulking issue, that it's not sealed, probably not the drain pan the way it's leaking, he would like to cut open the wall and check it out more (but there's a cost involved with that) - but the issue is more likely with shower door/shower pan than an incorrectly installed drain pipe - and likely drain pipe was a big part of the issue, but those other issues went unfixed and contributed to it anyway - and suggested a master painter who had superior silicon caulking experience.I've had a plumber come out, and tell me 10 different things it could be, but he wouldn't even give an estimate until he could demo everything and pull the shower out. He said it would likely require tile damage to see everything. He estimated about a day of labor before even beginning to diagnose it, but "it likely would not be more than the insurance claim"So therein lies my quandry.If I go with insurance, then my max out of pocket is capped at $4,000, but I will likely see insurance hikes, but I assume there would be some sort of warranty that the problem WILL be fixed, and if it came back 2 weeks later, it would be fixed again?If I go with either of the other options, if they get in there and discern it's bad, then I'm out that money PLUS insurance cost, but there's also a chance it's a $1000-$1500 dollar fix (less than $4000) - and no insurance hike.I'm already out $1200 fixing it once (but clearly not having it fixed - since the problem cropped back up a few weeks later)I've attached three pictures.Picture A is just a general view of the shower.
Picture B is a view of the wall where the water is likely eating up in there and settling - also, you can kinda see the corner caulk where the leak comes from under the shower.
Picture C is the other side of the closet where the water is coming in through the wall.Anyone with thoughts/ideas/advice? For what it's worth, this is not a house we plan on staying in for much longer (maybe 1 year or so) - but it is something that clearly needs to be fixed.This also isn't something where I have my mind made up which way I want to go so I will be defensive to everything said. I honestly don't know which way would be best. Part of me values getting it done without dealing with insurance, but the home improvement novice likes the "this will cost no more than $4,000 no matter what, and it's guaranteed to be fixed." - $4,000 would be a big chunk of cash for us, but we do have it in an emergency fund.
Personal Finance Deals
Collective Bargaining Contract Issue
Added on : Thursday July 18th 2013 04:00:07 AM
g: 0 Posted By: 062703
Views: 15 Replies: 0 This is a publicly traded company and the employees are represented under a collective bargaining agreement.Recently, it was brought to my attention of a potential issue being neglected within the contract at a certain company. According to the contract, the employees are supposed to be paid their salary increases by X date and historically (including this year) the company pays late. Once the salary increases have been announced, The company retroactively pays the difference over the period of time that is missed. The issue that has recently come up is the potential opportunity cost of the 401k contributions that aren't being made by the date they would have been made according to the terms of the contract. Basically, employees are missing out on gains within the market they should have been exposed to by being paid on the date set within the contract. Any advice on the matter would be appreciated.
Personal Finance Deals
Oakley Half Jacket - Carbon Fiber: $80 + Free Shipping
Added on : Wednesday July 17th 2013 06:00:07 PM
g: 0 Posted By: lovelybones
Views: 254 Replies: 0 LINKHalf Jacket Sunglasses
Our first dual-lens sunglasses with interchangeable lenses, this chameleon lets you adapt instantly to any light condition. When the sun fades or flares, switch to a new set of optional lenses and change your entire point of view. Or just enjoy the freedom to customize your look instantly. Accented with true metal icons, the lightweight O Matter frame includes Unobtainium earsocks and grip anchors. The open-edge design extends your vertical field of vision, and each set of optional lenses retains the peripheral clarity of XYZ Optics. Thats just one of the patented innovations that give High Definition Optics (HDO) its unbeatable performance.Ultra light stress resistant Oakley O Matter frame material
Plutonite lens material passes ANSI Industrial Standard Z87.1 for optical clarity, high mass and high velocity impact
Iridium coatings an lens tints reflect glare and heighten contrast
Interchangeable lens options available
Three-point fit comfortably hugs the nose and behind the ears
Metal icon
Interchangeable Unobtainium nose pads and earsocks insure comfortable, secure fit
100% protection against UV and harmful blue light
Available with Oakley Prescription Lenses
Sunglasses Deals
Oakley Hijinx sunglasses
Take all the music, art and life that inspires athletes to step up and go beyond. Shape it with an edge of attitude but keep the look clean and uncomplicated, then give it the best technology ever to carve light rays. Thats how we made HIJINX sunglasses, an O MATTER frame decked with dual cam hinges, true metal icons and HIGH DEFINITION OPTICS (HDO). Eye-chafing UV cant get through our PLUTONITE lenses, and the side contours use patented XYZ OPTICS for widescreen clarity.
Durability and all-day comfort of lightweight, stress-resistant O MATTER frame material
Precision and durability of sculpturally integrated hinge mechanisms with dual cam action
Dual POLARIC ELLIPSOID lens geometry (two lenses cut from single toric shield)
Comfort and Performance of Three-Point Fit that holds lenses in precise optical alignment
Metal icon accents
Comfort and performance of Three-Point Fit that holds lenses in precise optical alignment
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 & harmful blue light up to 400 nm
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
MagicalPad powerfully integrates note taking, handwriting/drawing, outlining, mind mapping all side-by-side in one page. Using our innovative fluid free-from layout you can create ** connected notes **, attach and annotate photos and drawings.* iTunes top 10 Free Productivity Apps *
AWARDS
PC Magazine - "25 Best Small Business Apps"
CNet - "Intuitive no matter your pursuit"
148apps.com - "Essential iPad app"FEATURES
When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
Features like advanced styling, outlining, diagrams / mind-maps, text-boxes, photos and drawings are the perfect tools to get the job done quickly and beautifully.** Connected Notes **
Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
Take meeting and class notes, draft agendas and research notes
Research smarter: snap photos of whiteboards and books and annotate them.
Organize checklists and to-dos
Innovate faster: draw concepts, connect facts and ideas, outline thoughts, brainstorm and flesh out the details
Plan a trip: keep track of travel plans, plane tickets and packing lists
Create a grocery list or task list and check things off as you go
Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
▸ Insert PhotosFree
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▸ Export and Import via DropboxFree
▸ Share via EmailFree
▸ Export and Import via Google DriveFree
▸ Export (only) to EvernoteFree
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Photo Backdrop Secrets - DIY! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SBRLHE60 Reviews ★★★★.5#2 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised Edition!In this lesson "Photo Backdrop Secrets - DIY!" you are going to learn some truly mind-blowing secrets!You'll learn how to get a pure white background in your photos...no matter what color the backdrop was originally.You'll learn how to get pure black no matter what color you start with as well!You'll learn how to make a backdrop that only costs a couple bucks -but in the final picture it can be any color you want!Here is the Table Of Contents showing a bit of what is covered...Introduction
The Light That Isn't A Light!
The Notebook Revisited
GOBOs And Colored Gels!
Creative Uses For Gel Material
The "Found" Photo Backdrop
Keep It Clean And Neat
Balancing The Light
The Neutral Density Filter
The Graduated Neutral Density Filter
Scrims - What They Are And How To Use Them
The "Created" Photo Backdrop
Commercially Made Backdrops Are Expensive!
Make Your Own For Pennies On The Dollar!
How To Make A White Backdrop
How To Make A Black Backdrop
How To Make A Colored Backdrop
Background Storage
The "Digital" Photo Backdrop
The Digital Photography Background - A Creative Masterpiece!
The "Separation" Light
How To Use A "Separation Light" In Portrait Photography!
Photo Exercise
Additional Photo Training
We discuss the background and how to manipulate it so that one or two backdrops can do the work of dozens. You will save a ton of money!Background Storage - There IS a simple way to store them that will keep them from getting wrinkled...I show you how.And more...and more...and more...Having a professional looking backdrop for your portraits is the easiest and fastest way to make your work look truly professional! You'll be getting paid assignments - or winning photo contests sooner than you think!
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
I will be moving in a relatively isolated town in a state in the Deep South, for a job there.The banking angle of the move is this: big banks such as Bank of America do not have any branches or ATMs in the state. The town I'll be moving to has an assortment of local banks you most likely never heard of, a couple of local credit unions, and a regional bank's branch (aptly named Regions).Currently I have an assortment of banking accounts, some for ATM convenience (BofA, WF), others for the interest given if you make a certain number of monthly purchases, and others for their online reach (Ally, Fidelity, ING - OK, this one had a nice BF incentive to open). I am thinking of reconfiguring my account portfolio usage so that I can use checks for rent, pay credit cards via ACH, and also be able to use local ATMs for purchases in places (quite a few) that don't take credit cards, by incurring as few fees as possible, while keeping the set-up relatively streamlined. The plan is long-term, and it may involve buying a home; the potential future mortgage and HEL may or may not be with the local banks; I assume the local rates are less than impressive. Does any of you have any useful experience to share with me on this matter? If you ever moved in a place that resembled somewhat the one I described, how did you deal with it, banking-wise?Thanks in advance!
Need Help: W2 vs W2 Contract Employee vs 1099 Contractor
Added on : Sunday July 14th 2013 03:00:09 PM
Long time lurker here looking for some advice. I'd rather not say the name of my former employer but it's well known in the health care IT community as a company that burns out employees quickly. I wound up leaving just north of two years in, which is actually very common for this company. My one-year non-compete agreement ends in 6 weeks and I'm able to enter consulting. This is a very striving marketplace and people with my skill set and certifications are in high demand. I should easily be able to pull in $100k on the low end which is nice for a 27 year old. I also have a few years of healthcare management experience and a healthcare related degree, which is rare for someone in my position. Most employees hired by my former employee have non-industry degrees such as art-history and other silly unrelated things. Then the clients get pissed that these employees don't know how a hospital runs. Surprise, surprise.That's all spilled milk and now I'll be able to take my few years of healthcare management experience, related degree, and two years of health IT experience and go into consulting. All of my friends who left and went into consulting got 10 phone calls within the first day of posting a resume. Apparently my former employer is a top keyword search for headhunters.The problem is that most of these consulting opportunities are W2-based. For the average dumbass former employee of my last company (who is in their mid-20s and doesn't know any better), a W2 job at $110k/year plus "amazing benefits" like $30/month gym membership stipend and top-of-the-line health insurance seems great. And for the average dumbass 24 year old, it would be.Obviously if I am 1099, I have to pay my half of SE-Tax that a W2 employer would otherwise pay. However, it's my understanding 1099 positions pay at least that much more to compensate.But I'm 27, have some financial savvy, and know that making $150k as a 1099, contributing the max plus 25% of net income as employer-contribution of an individual 401k, paying for my own HDHP, maxing out an HSA, writing off a second maxed-out phone as "business" while I maintain a prepaid per-minute plan as my personal phone for IRS auditing purposes, and other interesting tricks is significantly superior.To make matters worse, it seems like another large chunk of consulting jobs are W2-Contractor roles, which from my understanding means that I have the worst of both worlds. I can't collect unemployment between gigs and I can't contribute to an Individual 401k.Finally, I'm of the impression that as a W2 based employee, I become salary exempt and when the client needs me to work more than 40 hours a week, I'm screwed - no extra money but my company can bill the client for my extra hours and keep the money themselves. I'd really like as a 1099 if the customer sends me home at the 40 hour mark because I run a few small side businesses that I've stared over the last 11 months of my non-compete period. I can keep them going over 10 to 20 hours per week, so if I keep my consulting gig to 40, then it won't be an issue since I was used to working 80 hours per week at my last employer.I've only just begin my search so I'm sure there's at least a handful of 1099 gigs out there, but so far the first 10 places I found were W2 based. A few places I emailed said they'd consider using me as a 1099, but since I've never worked as one before, I feel like I might get screwed, especially if it's a company that normally doesn't 1099 people. The problem is best defined as: "I don't know what I don't know."I'm hoping the smart minds here can help me figure out what to do. A few issues I have that I don't know the answers to are:a) 1099 vs W2 vs W2 contractor - general thoughts?b) As a 1099, can I require the client to pay me extra for overtime? I know with W2 (non-exempt) work, it's a federal law to pay 1.5x hourly pay >40 hours. With 1099 IC work, I imagine it's not a law, but I can require it in my contract. Along those lines can I hit a second time frame like >60 or >80 hours = 2x pay? With the kind of work I do, it might be a project that the client will want me to work 40 hours per week for a 12 month period and then have me work 90 hours per week for the last 3 or 4 weeks of the project as it finalizes.c) How do travel reimbursements usually work for 1099s? I'm certain with a W2, the company takes care of everything. With a 1099, do I usually have to bill the client directly, or does my "consulting/staffing" company handle that as part of their cut?d) Does the kind of job I'm describing usually involve a non-compete? I'm pretty sure the correct term for the kind of company I'm looking to work for is a "staffing company". It's not a Consulting Firm like the big 4 (e.g. Deloitte) that W2s you, overworks you, bills the client hourly, and sends you different clients every week. With my kind of work, it will be one hospital that wants to hire me on a 6 month contract term (that may be extended at their discretion) to do a certain project role, and this hospital client will want to do a brief interview with me to ensure I'm a good fit. I imagine this interview is less intensive than a regular hiring interview because the hospital is assuming the staffing agency performed full due diligence on me.e) What other questions and considerations should I be making that I might have forgotten?Thanks so much for any help.
House sale fell through -being sued -update
Added on : Saturday July 13th 2013 03:00:04 AM
I wanted to update those interested on what has happened so far. I had stopped posting, because I was worried the seller maybe also on this forum.
Archived topic:LINK
Original post:
A little background- (very long read)
I currently have a home with several mortgages due to (2) 100 year flood, national disasters (one right after another. Lucky me) My soon to be ex-husband is not on my primary mortgage, but is on the deed.
He was pre-approved for a loan and He went to buy a home, a short sale from BOA. The process started in dec 2011. He put 1500 down as good faith money with the normal contingencys that it would pass inspection and he could obtain financing.
in Jan the seller's still could not get written approval from BOA, he extended the contract. Come March BOA finally gave him approval and he order the house inspection. Due to the sellers not putting oil in the tank or winterizing , when the house inspection started the pipes burst from being frozen and the inspector found mold. He then extended the contract hoping they would fix the home. After his agent hassled the other one for weeks asking for info/ update etc, they finally decided to fix the home because BOA offered to pay the expenses. They fixed the pipes at the end of April(yes that long!) and my ex paid to have the house re-inspected. (about 1300 total) . The sellers did not fix the mold, hoping it would pass the assement and the mold could be mitigated later. My ex agreed because BOA closing deadline was getting close. It did not pass the assessment (about $500), so my ex again extended the contract while he awaited the mold to be fixed . BOA insisted that the house must close by the 15th of June. After hassling the sellers agent again, she finally had the mold mitigation done on Jun 11th. During this time he finds out through a friend at the town hall that the town is putting a lien on the house for an unpaid water bill. The agent contacts the sellers agent and they refuse to pay it and then proceed to call the town hall and try to see if they can stick him with the water bill
The mortgage broker ordered another assessment which was finished on the 14th ($75). The mortgage broker put in all the paperwork and tries to push in the closing for the 15th. It can't be done so they push the closing to the 18th with BOA approval. Come the 18th, my ex gets a call from his buyers agent, stating the loan did not go through because he is on 2 of the house mortgages, (due to the floods). These were found by the underwriters doing a deed search. He was not aware he was on the mortgages and because he was on the deed thought when he signed the forms he was just giving permission.( He is not on the main mortgage) In the beginning, He did bring this up to the finance guy when he was running his credit and asked if he was on the mortgages and the guy said no, and In fact they never show up on his credit report.
Now because of the debt, he no longer meets the ratio and the sale fell through. His agent called him in a panic and told him to release his good faith money or that the sellers agent was going to try and keep it and sue him for her out of pocket money. (unknown to him, the sellers agent had paid to put oil in the tank, and paid for all the repairs upfront) My ex tells her he will not release the funds because the contract clearly states he has to obtain financing, or the contract is void and he gets his money back. Plus he feels as though he got screwed out of money because he had to keep getting the inspectors to go back due to her procrastinating , but she tells him that the date of the contract was never extended past March. My husband feels that if the other agent hadnt procrastinated so long the loan people would have found the mortgages and we could have tried to fix it. As it is now Im filing a Quick Claim deed and will try and call the mortgages tomorrow to have a loan novation to have him taking off ( there is no way I can refinance) .
So several questions Does anyone know why these mortgages are not showing up on his credit? Should he release the funds ? The agent has been calling him all day and insisting that he will be sued and it will be expensive. UPDATE:
My ex-husband gave back the deposit. The prepaid lawyer told him that if he gave it back, and the seller accepted it, then the seller would technically give up all legal recourse. Unfortunately, no one explained this to the seller (whom is a lawyer), because he then took my ex-husband and the mortgage broker to small claims court. The seller lost in small claims but then brought it forth to superior court. Both my ex and the mortgage broker, at this point, hired separate lawyers. The seller represented himself, (probably not a good idea). The seller argued that he made the repairs because he was going to get reimbursed by the bank when the house sold. Since the house did not sell, he felt he was entitled to the repair money from my ex. My ex's lawyer argued that: the repairs would not have had to be made if the seller had kept the house in good repair ,(by purchasing oil in the winter), that the bank was supposed to reimburse the seller and that the seller did not have a contract signed by my ex stating he would assume financial responsibility for the repairs. The lawyer also argued that the bank would not have loaned the money without the repairs and that it was up to the sellers real estate agent to have had a contract with BOA for the repair money. After my ex's lawyer reviewed all the contracts, she found that in fact there was a contract that the seller signed stating that my ex would get his deposit back no matter what if the sale fell through. After my ex gets the decision from the court, the lawyer wants to sue the seller for lawyers fees and the deposit.
As far as the house.. the joke is, once it went into foreclosure , (several weeks after this deal fell through),a new relator took the house on and sold it in 5 days for $225,000 . My ex was going to buy it for $184,000. This helps prove my argument that this whole fiasco was the sellers realtors fault.
As far as a mortgage for my ex.. I did a quick claim deed the next day. SBA would not take my ex off the loans nor do a novation. (Dealing with the SBA was a whole 'nother horror show that could fill a forum!)Due to that, my ex could not get an FHA loan but was able to do a loan through TDBank through one of their other programs. He contracted with a new realtor (it was too awkward to use the old one), and he purchased a home , (oddly enough), directly in back of the one he is being sued over! The other ironic thing was this new house also needed some repairs and my ex's realtor had a contractor contract with the bank directly so the repairs were a separate transaction from the sale of the house. That way the contractor would be paid weather the house sold or not. (something the other relator should have done and supposedly she sells multi-million dollar homes!) When the decision from the court comes through, I will update.
Office Depot rebate software for the week of 07/14/2013 ($9AR, $12 AR & $15AR)
McAfee AntiVirus Plus [830-644] $54.99
$8.99 After $5 Instant & $46 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $63.99
$11.99 After $6 Instant & $52 Mfr. Mail-In SavingsNorton Antivirus Backup [873-394] $49.99
$14.99 After $20 Mfr. Mail-In Savings $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
Should be all completely new rebates. Details to follow.
====================****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.====================
Office Depot Coupons
Hit & Run on my Brick Mailbox - Homeowners or Auto Claim?
Added on : Thursday July 11th 2013 12:00:11 PM
I keep finding various discrepancies as most info is around me hitting my mailbox or someone else's.Basically someone took my out brick mailbox (left no note, etc) - I figure its going to be ~$500 to replace.My HO deductible is $1000 so that's a deal breaker.Auto Deductible is only $50, but I assume I'll end up paying with higher premiums for a couple of years? (Geico if it matters)
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Rock31 on Slickdeals posted about this. The full title is "Democracy Denied: How Obama is Ignoring You and Bypassing Congress to Radically Transform America - and How to Stop Him" (it was published in 2011). Those who are not interested in the subject matter may find it a suitable filler item or may find use for the roughly 175 sheets of paper that comprise it.product page
Amazon Coupons
*Super Smash Bro Pre-Order (Nintendo 3DS)
*$34.99 + Free Shipping
*Promo Code: EMCXNXL95
*Release Date: 12/31/13Like previous games in the series, Super Smash Bros. is a competitive fighting game in which up to four players from various Nintendo games fight against each other. Players use a variety of attacks to damage their opponent, increasing their damage percentage which makes them easier to knock out of the playing field. Smash Balls, first introduced in Super Smash Bros. Brawl, make a return, allowing whoever obtains them to perform extremely powerful attacks.Along with returning characters including Mario, Bowser, Link, Fox McCloud, Kirby, Pikachu, Donkey Kong, Samus Aran, and Pit, three new characters have been introduced: the Villager from the Animal Crossing series and Mega Man from Capcom's eponymous series were shown in the promotional trailer while the Wii Fit Trainer was later displayed on the convention floor. The game is presented in high-definition visuals on Wii U and cel-shaded visuals on the Nintendo 3DS. Both versions of Super Smash Bros. will contain the same number of playable characters, but feature exclusive stages. The Nintendo 3DS version will include more stages based on Nintendo's handheld video games, while the Wii U version will have more stages designed after their home console releasesThe Legend of Zelda: A Link Between Worlds Pre-Order(Nintendo 3DS)
*$34.99 + Free Shipping
*Promo Code: EMCXNXL94
*Release Date: 12/31/13This new Zelda title, dubbed Legend of Zelda 3DS, is set in the world of the SNES classic, A Link to the Past but isn't a direct sequel. It finds Link with the new magical ability to flatten himself and turn into a drawing on the wall, giving developers a whole new dungeon mechanic to play with. The game will also feature multi-level dungeons which should look incredible using the Nintendo handheld's 3D capabilities. The graphics and art style look absolutely beautiful as well. Of course, that's pretty much expected from a Zelda title -or any of Nintendo's first party titles for that matter.Low Price Guarantee
Newegg will monitor your purchase for any price decreases and will honor the final Sales Order price of the item if it is lower than the price at pre-order. Newegg will not honor any other lower amount before that time.
Newegg Coupons
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
upgrade car for work
Added on : Tuesday July 09th 2013 05:00:08 AM
Being a good FWFer, I still drive a 2-door Honda civic that I have owned for over 10 years. If appearances were not important at my job, I'd drive my current car into the ground. But I'm a CPA and was recently promoted to manager at a public accounting firm. At my job appearances, especially with clients, do matter. All my co-workers (excluding administrative staff) drive much newer and nicer cars then me. I'm concerned that not having a nice 4-door car will prevent me from progressing in my career as quickly as I'd like. Right now I'm limited in my ability to take clients out to lunch and drive co-workers to events.My commute to work is 5 miles each way. Often, I bike to work, which I want to do more frequently. I average less than 10,000 miles per year in my current car. I have a garage space at home which cuts down on the weather damage when I'm not using my car. I'm not mechanically inclined so it does not make sense to get a car that requires a lot of maintenance.I'm thinking of either buying a lease-return car, a private party car, or possibly a new car. If I proceed, I'd pay cash.Am I crazy? Any suggestions on good cars that are reasonably priced, will look good enough to be useful to me for a long time, and don't need a lot of maintenance?
FREE Kindle Book - Market-Fresh Mixology: Cocktails for Every Season was $17.95Market-Fresh Mixology: Cocktails for Every Season [Kindle Edition] was $17.95Bridget Albert (Author), Mary Barranco (Contributor)http://www.amazon.com/dp/B004YWBBK8Publication Date: March 1, 2009Publisher: Agate Surrey21 Reviews ★★★★.5#1 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Drinks & Beverages > SpiritsTodays diners and drinkers are seeing a bold new integration of culinary art and cocktail culture. Market-Fresh Mixology shows how fabulous additions from the farmers market, garden, or pantry can elevate classic cocktails to the next level. It introduces an entirely new dimension to the ideal of seasonal cocktails, with a clean, contemporary approach that uses fine spirits and fresh ingredients to create cocktails for every occasion. Hot day? Blustery night? Snowbound? No matter what the weather, season, or event, Market-Fresh Mixology offers a recipe, from the refreshing summer mojito to the cozy hot buttered rum, thats as easy to follow as it is delicious. With its gorgeous full color photos, the book is a treat for the eyes, but its also eminently practical, with tips on cocktail mixing techniques, garnishes, enhancements, glassware, and bar tools, as well as amusing lore surrounding classic cocktails.
Amazon Coupons
Photo Backdrop Secrets - DIY! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SBRLHE60 Reviews ★★★★.5#2 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > ReferenceRevised Edition!In this lesson "Photo Backdrop Secrets - DIY!" you are going to learn some truly mind-blowing secrets!You'll learn how to get a pure white background in your photos...no matter what color the backdrop was originally.You'll learn how to get pure black no matter what color you start with as well!You'll learn how to make a backdrop that only costs a couple bucks -but in the final picture it can be any color you want!Here is the Table Of Contents showing a bit of what is covered...Introduction
The Light That Isn't A Light!
The Notebook Revisited
GOBOs And Colored Gels!
Creative Uses For Gel Material
The "Found" Photo Backdrop
Keep It Clean And Neat
Balancing The Light
The Neutral Density Filter
The Graduated Neutral Density Filter
Scrims - What They Are And How To Use Them
The "Created" Photo Backdrop
Commercially Made Backdrops Are Expensive!
Make Your Own For Pennies On The Dollar!
How To Make A White Backdrop
How To Make A Black Backdrop
How To Make A Colored Backdrop
Background Storage
The "Digital" Photo Backdrop
The Digital Photography Background - A Creative Masterpiece!
The "Separation" Light
How To Use A "Separation Light" In Portrait Photography!
Photo Exercise
Additional Photo Training
We discuss the background and how to manipulate it so that one or two backdrops can do the work of dozens. You will save a ton of money!Background Storage - There IS a simple way to store them that will keep them from getting wrinkled...I show you how.And more...and more...and more...Having a professional looking backdrop for your portraits is the easiest and fastest way to make your work look truly professional! You'll be getting paid assignments - or winning photo contests sooner than you think!
Office Depot FAR software for the week of 07/07/2013 (QB Online Simple Start)
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
FREE After $10 Instant & $90 Mail-In Savings LINK
++ requires activationMcAfee Total Protection For 3 Users [830-788] $72.99
$14.99 After $7 Instant & $58 Mfr. Mail-In Savings LINK
++ Second week of this rebate
Details to follow
====================****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====================
I entered into a 12-month contract for standalone DSL from Centurylink in February 2013. The price was fixed at $34.95. However, this month I just got autobilled for $35.94. It's still $34.95, but then a $0.99 extra charge. I was given no notice, so I went looking for their terms of service. The TOS was updated early May 2013, and has a line in it that says that they don't need to serve notice on you for a change in terms to apply to me. Kind of wish the customer could make the same contract changes that the corporation could.Anyway, there's a $200 contract termination fee on my end. Their service has been horrid so I want out. I was going to wait until my 1 year was up, but it looks like I'll have to pay an extra $8-$9 for that. On one hand, I don't want to raise a stink over "just 99 cents," but on the other hand, it's the principle of the matter. Any suggestions aside from suck-it-up?
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
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When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
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Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
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Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
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Except for the business 401(k) offer, these offers have expired.$100 for opening a 360 Checking account and doing a total of five debit card purchases or check-image deposits. The terms say "this has to be your first 360 Checking (this includes Electric Orange, too)."
$76 for opening a 360 Savings account with at least $500
$76 for referring two friends
$176 for opening a Sharebuilder brokerage account with promotional code sbfids2013 or SBFIDS2013 (not sure whether capitalization matters) and depositing $5000 cash into it; deposit must be done by July 19
discount of $17, $76 or $176 when opening a 401(k) with promotional code JULYSAVE by August 4 link
$276, $376 or $576 for opening a Sharebuilder IRA by July 3 with promotional code IRAFIDS2013 and putting $25,000 to $100,000 into it by deposit, rollover or transfer by September 3.
http://home.capitalone360.com/independenceExcept for the 401(k), any of these accounts must be opened by July 3rd. With some of these accounts, there is likely to be a fee when you close the account.
Moods and Markets: A New Way to Invest in Good Times and in Bad (Minyanville Media) [Kindle Edition] was $39.99Peter Atwater (Author) http://www.amazon.com/dp/B008J8RCTWPublication Date: July 6, 2012Publisher: FT Press25 Reviews ★★★★#6 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing#6 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > FinanceLeading consultant and Minyanville contributor Peter Atwater has helped institutional investors, corporations and policymakers map changing social moods to emerging market shifts, and use that knowledge to identify huge new market opportunities. Now, Atwater shows you how to use the same powerful Horizon PreferenceTM approach to select your own high-performance investments. Utilizing what is often in plain sight, but overlooked and underestimated, Horizon Preference helps you understand how we narrow our physical, time and relationship horizons to the "local" in bad times, and widen them to the "global" in better times and then translate that knowledge into better investment decisions. Atwaters Moods and Markets offers powerful new insights into everything from market bubbles to the real challenges of making mergers work why "farm to table" and "locavore" movements are booming now, and whats likely to happen next why Americans now want to rent homes even though its become far more affordable to buy them why the "Arab Spring" is bullish, and higher education is in deep trouble which businesses prosper in a downturn, which prosper most in an upturn and why. This book will be an invaluable resource for every serious investor, trader, and money manager.Peter Atwater has used his exclusive Horizon Preference approach to help top asset managers, major endowments, and hedge funds map changes in social moods to shifts in the markets and to identify huge new market opportunities. Now, he shows serious investors how to use the same powerful techniques these top global investors already rely on.  Building on insights from Elliott Wave Theory and Robert Prechters work in socionomics, Moods and Markets shows how we naturally narrow our physical, time, and relationship horizons to the local in bad times and widen them to the global in better times. Atwaters easy-to-understand framework helps investors quickly identify the direction of social mood and the markets using readily available, but frequently overlooked, clues from the world around us. To Atwater there is no coincidence to the Occupy Wall Street movement, The Hunger Games, Downton Abbey, farm-to-table dining, and the rise of Facebook with our volatile stock markets today. Moods and Markets explains why.  Through numerous recent real-life examples, readers will gain deeper insights into short- and long-term investment trends in virtually every key market sector. Along the way, Atwater helps you to identify the consistent mood-based characteristics of market turning points that dont show up in conventional analysisand that can disastrously impact your portfolio if you miss them.  Moods and Markets explains: The difference between mood and emotionand why mood matters more How to use mood to identify significant market tops and bottoms How changing moods drive public sector decisions that impact your portfolio Todays market mood and where we may be headedand how to decide for yourself
About the AuthorPeter Atwater is President of Financial Insyghts, a consulting firm providing advice to institutional investors, major corporations, and global policymakers on how social mood affects decision making, the economy, and the markets. A pioneer in securitization and a long-time financial services executive, through Moods and Markets, Peter brings his innovative social mood-based thinking to the world of investing. A regular contributor to Minyanville, Peters work on social mood and decision making has been featured in The Socionomist, Time Magazine, and The Financial Times.
Amazon Coupons
iPad only - MagicalPad - Notes with Paper Inside | $7.99 → FREE
Added on : Monday July 01st 2013 07:00:08 AM
MagicalPad - Notes with Paper Inside | $7.99 → FREEMagicalPad is an easy-to-use app that helps you organize everything, save your ideas and improve productivity. Quickly take notes, capture ideas, doodle and manage lists and to-dos. Use it freebuy additional tools from the in-App Store.** Completely Redesigned With Stunning User Interface & Great New Features. **
MagicalPad powerfully integrates note taking, handwriting/drawing, outlining, mind mapping all side-by-side in one page. Using our innovative fluid free-from layout you can create ** connected notes **, attach and annotate photos and drawings.* iTunes top 10 Free Productivity Apps *
AWARDS
PC Magazine - "25 Best Small Business Apps"
CNet - "Intuitive no matter your pursuit"
148apps.com - "Essential iPad app"FEATURES
When you start using MagicalPad, you'll be surprised how easy it is to capture and manage your ideas and notes. Simple yet Magical!** Full-featured Note-taking & Authoring **
Features like advanced styling, outlining, diagrams / mind-maps, text-boxes, photos and drawings are the perfect tools to get the job done quickly and beautifully.** Connected Notes **
Connect your notes handwritings, photos and ideas. Redefining the way you take, organize and view notes. Freely capture and manage content in the page or edit each note or outline item as a stand-alone note, and then close it to see the big picture. Attach multiple photos and drawings to each element. Drag and drop to freely organize any element on the page, zoom in on the details, and zoom out to see the whole story.** Drawing doodling & handwriting **
Create retina handwritten paper notes sketches and diagrams. Draw concepts, write formulas, or quickly jot down a name and phone number. Flexible formatting and retina scale drawing; once youre done put it in context within your page, connect it to other ideas; add notes, photos and more drawings to it. Beautiful Notes with Paper Inside.** Media Insertion **
Enhance your notes by adding pictures from your photo library or from the iPad camera. Insert drawings to compliment your notes, resize, and draw on images to make them perfect. Add notes, attach related drawings and photos and connect to others.** The most versatile All-in-One Productivity App on the App Store **
MagicalPad is the first and only free-form outliner app that marries outlining, mind mapping, note-taking, drawing and media all on the same page. Organize your notes and ideas in dynamically expanding pages and organize your projects in different customizable notebooks.** Multiple Flexible Sharing Options **
Share your meeting notes, class notes, or just your doodles with friends and family. Share via Twitter, Facebook or email. Export multiple file formats to Evernote, dropbox and Google Drive. Import and exchange files with other apps.
Exchanged formats include: PDF, JPEG, RTF, TXT, OPML and MagicalPad (MPX).USES
Here are some ways to use MagicalPad for your personal and professional life:
Take meeting and class notes, draft agendas and research notes
Research smarter: snap photos of whiteboards and books and annotate them.
Organize checklists and to-dos
Innovate faster: draw concepts, connect facts and ideas, outline thoughts, brainstorm and flesh out the details
Plan a trip: keep track of travel plans, plane tickets and packing lists
Create a grocery list or task list and check things off as you go
Prioritize, benchmark and compare shopping options and product features for comparison-shopping purposes
Brainstorm and prioritize options and organize facts using drag/drop
Keep finances in order: save receipts, bills and contracts
Use MagicalPad as part of your GTD system to help you stay organized** MagicalPad will be available for: Mac, iPhone and iPod touch this fall.SUPPORT & FEEDBACK
We appreciate all feedback. Your constant interest and improvement ideas help us grow with you.
support@magicalpad.com or visit www.magicalpad.com/support
Note that all in-app purchases are also FREE for a limited timeTop In-App Purchases▸ Essentials Package (includes everything)Free
▸ Insert PhotosFree
▸ Insert DrawingFree
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▸ Unlimited Notebooks, Pages, Notes and OutlinesFree
▸ Export and Import via DropboxFree
▸ Share via EmailFree
▸ Export and Import via Google DriveFree
▸ Export (only) to EvernoteFree
Master Photo Lighting... Hard Light! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author)http://www.amazon.com/dp/B007S0LTPUPublication Date: April 5, 201260 Reviews ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > Lighting Revised addition!Here in Volume 7 of the "On Target Photo Training" series we are concerned with hard light and how to shape it to get some pretty stunning results! For most of us, the sun is our primary light source. Unless it is hidden behind a bank of clouds, it is a hard light source. Learning how to work with hard light is vital to our progression as photographers!Once you are comfortable with working and shaping hard light, life gets pretty exciting... you can control your viewers emotions at will. It's when you start putting emotion into your photography that you stop creating "snapshots" and start making "art."Here is the table of contents to show you SOME of what is included...ContentsIntroduction