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g: 0 Posted By: NantucketSunrise
Views: 55 Replies: 0 Probably if this couldaffect you, you already know about it!

However, I never hear anything about this topic in the US
(but I do not watch much American television, so that obviously limits my exposure),
and therefore I thought I'd justmention to FWF folks that Scotland is voting in 2 weeks on whether thatcountry willleave the United Kingdom or not,
and it's a pretty major decision for them (and for the entireUK).

Although many analysts/bookies/etc. have thought up to now that there is not much chance that the "Yes - Scotland should leave the UK" sidecould win, I'vealways had a gut feelingthat the vote might be pretty close to 50/50.

Last month, I held off on changing some dollars into pounds because Iexpectedthe poundto decline against the dollar in the first part of September, and it has now done so. (This will be an interesting month, especially if the "Yes" campaign wins!)

Today a reputable poll (YouGov) showed thatthe"Yes" voteis nowat 47%, with 2 weeks to go before voting day:

"Pound slides after latest Scottish independence poll
Currency markets get the jitters after poll shows support for yes vote has risen to 47% with referendum just over fortnight away"
http://www.theguardian.com/business/2014/sep/02/pound-slides-scottish-independence-poll-yes-vote-referendum
theguardian.com, Tuesday 2 September 2014 08.26 EDT

-----
A little background:

"The UK consists of four countries: England,Scotland,Walesand Northern Ireland."
"The relationships among the countries of the United Kingdom have changed over time.
The Principality of Waleswas incorporated into the Kingdom of Englandin 1536.
In 1707, the kingdoms of Scotlandand England were united to form the Kingdom of Great Britain,which in 1801, united with the Kingdom of Irelandto form the United Kingdom of Great Britain and Ireland.
In 1922, five-sixths of Ireland seceded from the UK, leaving the present formulation of the United Kingdom of Great Britain and Northern Ireland."
http://en.wikipedia.org/wiki/United_Kingdom

"A national referendumis scheduled to be held in Scotland on 18 September 2014. Voters will be asked to answer Yes or No to the question: 'Should Scotland be an independent country?'"
http://en.wikipedia.org/wiki/Scottish_independence

Question Deals
Regal Entertainment Group: Up To 35% Off @AAA
Added on : Monday September 01st 2014 04:00:04 AM
g: -1 Posted By: marieangelesf
Views: 281 Replies: 0 AAA>Tickets: Recreation>Regal Entertainment Group:Up To 35% Off
Enjoy a night out at the movies.Good at Regal Cinemas, United Artists Theatres, or Edwards Theatres nationwide. Tickets are available at Auto Club branches only. Regal Entertainment Group operates the largest theater circuit in the United States featuring major motion pictures, digital movie presentation, RealD Digital 3D, and much more.Save up to 35%on movie tickets and gift packs when you purchase your tickets at your local Auto Club branch.
Restaurants & Entertainment Deals
g: 0 Posted By: marieangelesf
Views: 90 Replies: 0 AAA>Tickets: Recreation>Regal Entertainment Group:Up To 35% OffUp To 35% Off82% Thumbs UpDetailsEnjoy a night out at the movies.Good at Regal Cinemas, United Artists Theatres, or Edwards Theatres nationwide. Tickets are available at Auto Club branches only. Regal Entertainment Group operates the largest theater circuit in the United States featuring major motion pictures, digital movie presentation, RealD Digital 3D, and much more.Save up to 35%on movie tickets and gift packs when you purchase your tickets at your local Auto Club branch.
Restaurants & Entertainment Deals
tax benefits of issuing 1099-C as an individual
Added on : Sunday August 31st 2014 04:00:09 PM
g: 0 Posted By: kgotze
Views: 37 Replies: 1 long story short:
I ownan open judgement against someone who may be essentiallyuncollectable... rather than trying to put a lot of effort into collections, I was wondering if it was possible to claim some tax benefit by writing off the debt and issuing a 1099-c (as was all the rage in the mortgage forgiveness actions in the last 5 years or so).

I can find a ton of information on what to do if you receive a notice, but not so much guidance on providing one.

anyone have any experience or pointers?


Question Deals
costco 65" Slumber Cat Tower 29.97 YMMV
Added on : Sunday August 31st 2014 10:00:04 AM
g: 0 Posted By: bearsloft
Views: 328 Replies: 0 A few weeks ago I purchased a Beatrise "65 Slumber Cat Tower for $49.97 at my local Costco. I believe this item was originally priced at 79.99 or 89.99 so I purchased feeling proud to have saved that much money. Today I spotted the same product now priced at $29.97. After a little of bit of drama I did get the price difference refunded to me, but thought I'd share with my fellow cat owners who are burdened with excess space in their house

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

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

Bear
Pets Deals
Free Kindle Book- The Essential Guide to Sex Toys
Added on : Sunday August 31st 2014 08:00:08 AM
g: 0 Posted By: remick
Views: 27 Replies: 0 http://www.amazon.com/dp/B00L5J9AHY

4.8 out of 5 stars (8 customer reviews)

From the author of Amazon best-seller Kinky Sex: the Secret to Long-term Desire, featured in ELLE Magazine
Do you know using sex toys releases feel-good hormones proven to boost your mood, lower stress and improve your health?

Todays decadent devices offer earth-shatteringly intense orgasms every day, every way, in the comfort and privacy of our own homes. Orgasmic pleasure be it G-spot, clitoral or blended is ours at the touch of a button.

But whilst half of all women now own some kind of sex toy, most of us still feel too embarrassed to ask our friends for recommendations.

Discover answers to the sex technique questions you always wanted to know but never dared ask
Which toys will truly take you to Climax Central? Is it true some vibrators are toxic? How much should you spend? And where in the world does your average non-chandelier-swinging person start with this stuff?

In this quick-and-dirty guide youll discover:
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10 secret sex toys you already have in your home
The world's 9 most orgasmic vibrators - by intensity, volume, performance and feel
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Devices designed to help put the passion back into your marriage
Sex techniques to tie and tease your lover to heavenly heights of pleasure
The toys that hit your hot spots and boost your sexual confidence
Toys for every budget, from cheap and cheerful to that luxury gift for someone special
Whether youre flying solo or spicing up your marriage, help is at hand from Amazon best-selling sex book author Jessica Howe, whose new guide reveals the most pleasure-enhancing toys on the planet.
How would you invest my money!
Added on : Friday August 29th 2014 03:00:06 PM
g: 0 Posted By: theblow
Views: 44 Replies: 2 35 years old. Have $100k cash which has taken about 10 years to accumulate. No debt, no significant assets (don't own a home). I've been keeping my cash in savings. I don't plan on needing the $100k soon so I'm thinking more long term here.

How would you invest? Stock? Funds? How much are you making on your investments and what are you invested in? I feel kind of dumb just keeping my money in a savings account that isn't making anything.
New User Question Deals
Family Financial Trouble - In Law Home Foreclosure
Added on : Friday August 29th 2014 09:00:13 AM
g: -2 Posted By: altidagain
Views: 173 Replies: 8 Good afternoon. Yes, this is an alternate ID. Yes, I am a senior member and have been around for over 10 years and continue to read the forums daily. I love the members here and the valuable advice shared. That being said, I would like some objective opinions of my current family situation. It is always difficult to think clearly and rationally when you and your family are involved. I apologize if any details are sketchy as this is a fluid situation and I'm hearing most of it second and third hand.

Summary: Sister/Brother In-laws are in default, which will place a lien on my father in-laws property. They are requesting financial assistance from my family.

My in laws own ~60 acres in the rural Midwest. They live on this property. They have carved off deeds of land to their children who have a interest in living and building on the land. One sibling "A" was deeded some property and now owns 7 acres. At some point in the last 15 years "A" borrowed against the property to build a construct a house on the said 7 acres. The father who owns the rest of the land cosigned (gasp) for this loan. The loan for "A's" property is now in default and they have until Tuesday to pay in full. The loan has a balance of approximately $65k on a property value of approximately $70k. It is the family's understanding that the rest of the acreage and property is at risk with a lien since the father cosigned for the loan. In addition the way the property is designed, my father in law doesn't want the "disturbance" of having other people using his access road and living on what was his property.

Of course my wife came to me to help. My first reaction was no, no, and no again. I don't want to get involved. We have already contributed significantly to "A" before to prevent this from happening about a year ago. We helped our one time. I think my wife is in agreement, except due to the impact of her father and his property being involved. I know we *shouldn't* help. However, if I were to consider helping I would only do it to help her father and protect my immediate family's assets. That being said here are the options I'm wrestling with:

Do nothing - we helped you once, why are we to believe this will be last time you need help. (my favorite)

Would consider bidding a diminished price at an auction

Provide $20k to her father to place as a down payment on a $45k loan thathe would finance on "A's" property(less capital invested, but you may as well consider that a gift as I don't own anything) - I considered asking him to update the his will to reflect this loan
Obtain a mortgage for the property, and offer the bank something south of $65k (protects her dad and stops foreclosure - and something to show for our investment)

I'm not sure if the bank would except anything less, could I really obtain a loan remotely over a holiday weekend in enough time to stop the foreclosure?
I would want to kick "A" out, which doesn't make the family situation much easier but it does help her dad
My wife would rather ask for a monthly rent payment from "A"- my concern is that this will happen again, if "A" won't pay the bank they certainly are going to expect a long leash with us - then you start over with the emotional dilemma of eviction

In both scenarios I'm not sure her family would be supportive if immediate eviction or eviction over missed payments. Thus why I don't want to get involved as I can't control the situation.
Additionally I worry about the liability factor, there are ponds on the property and I don't believe the house was built to code. Hunting also takes place on the property. Heaven forbid, but I'm worried if something goes wrong on the land or in the housethat my immediate family would be held liable.




What am I missing or not considering?

I appreciate the help in advance. I will do my best to answer/track down any questions that I can. Fun Friday...


Personal Finance Deals
Nordstrom: 40% off sale.
Added on : Thursday August 28th 2014 06:00:24 AM
g: 0 Posted By: Sofiya
Views: 152 Replies: 0 Nordstrom 40% off sale.Michael Kors Medium Bedford' Bowling Satchel $220.80http://shop.Nordstrom.com/s/michael-michael-kors-medium-bedford-bowling-satchel/3741009?origin=category-personalizedsort&contextualcategoryid=0&fashionColor=LUGGAGE&resultback=722&cm_sp=personalizedsort-_-browseresults-_-1_3_A

and much much more.

Clothing Deals

Nordstrom Coupons
g: -1 Posted By: DizzyT71
Views: 99 Replies: 0 Digjungle via eBay has theCanon EOS Rebel SL1 18 MP Digital SLR Camera 18-55mm + Extra 75-300MM Lenson sale for $549.99 with free shipping.

Compare at Amazonfor $749.99.

Product Information:

The 18MP Canon EOS Rebel SL1 Digital SLR Camera Kit includes the EOS Rebel SL1 18MP SLR camera, EF-S 18-55mm f/3.5-5.6 IS STM lens, EF 75-300mm f/4-5.6 III lens, gadget bag, 16GB SDHC memory card and Photo Suite Deluxe software. The SL1 is small in size but enormous in performance with an 18 megapixel CMOS sensor, DIGIC 5 image processor and full HD movie mode. The EF-S 18-55mm IS STM lens boasts features for shooting in any number of situations. The EF 75-300mm III telephoto zoom lens is ideal for sports, portraiture, animals and much more. The gadget bag is designed with enough room to hold one or two camera bodies, three to four lenses, as well as an assortment of accessories. The 16GB SDHC memory card offers the kind of mobility you need with your photos, music and videos. Plus, the Photo Suite Deluxe software includes Adobe Photoshop Elements 10, Page Plus Essentials Deluxe, Craft Artist Greeting Card and Web Plus Essentials Deluxe.

4.8/5 Stars based on 9 customer reviews on Amazon.
Cameras Deals

eBay Coupons
g: -2 Posted By: 1hotmama
Views: 315 Replies: 2 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
Allure Free Stuff -- September 2014
Added on : Wednesday August 27th 2014 09:01:46 AM
g: 0 Posted By: rockymast
Views: 52 Replies: 0 First 500 Allure readers to sign up at 12 pm ET on these dates get one free!

http://allure.com/free-samples

September 8
Butter London Matte Lipstick in Ruby Murray
This berry outlasts your average lipstick but isn't drying like long-wearing formulas.

September 9
Pixi Crayon Combo in Super Smoky
Run the black along your lash line, top it with the sparkly gray, and smudge. Evening eyes don't get much easier.

September 10
Declor Aroma White C+ Fluid
A skin-care overachiever, this lightweight serum has brightening peony, papaya, and chamomile.

September 11
SoCozy Behave Styling Cream
This pear-scented styling cream was made for kids, but it fights frizz and smells just as good on our heads, too.

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

Ships from and sold by Top Quality Factory.
Pets Deals

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

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

Well, that and trolling your story to every media outlet in Canada, and much of the States as well.
Discussion Deals
Seagate 6TB Internal Hard Drive $192.99 FS @ Best Buy via eBay
Added on : Tuesday August 26th 2014 03:00:14 PM
g: 0 Posted By: DizzyT71
Views: 91 Replies: 0 Best Buy via eBay has theSeagate 6TB Internal Hard Driveon sale for $192.99 with free shipping.

Also available at Best Buy for same price. Otherwise, next lowest price on Google Products is $289.99 shipped from a rated merchant.

6TB storage capacity with SATA III, 6Gb/s NCQ Interface
Seagate AcuTrac servo technology delivers dependable performance
Seagate OptiCache technology boosts overall performance by as much as 45% over the previous generation.
Seagate Smart Align technology provides a simple, transparent migration to Advanced Format 4K sectors.
Best Fit Applications include: Desktop or all-in-one PCs, Home servers , PC-based game systems, Desktop RAID, Direct attached external storage devices (DAS), Network attached storage devices (NAS)


4.1/5 Stars based on 368 customer reviews on Amazon.
Hard Drives Deals

eBay Coupons
Is there a benefit to a Living Trust in my situation?
Added on : Tuesday August 26th 2014 01:01:02 PM
g: 0 Posted By: kriskos4
Views: 123 Replies: 2 My father is 91 years old, lives with me and is worth roughly 4M...half cash and half stocks, no property. My brother and I will be his heirs, nobody else. The cash is in CDs payable to my father or either me or my brother 'upon death'. As far as I know, this money will not be subject to probate since it's automatically ours upon presenting a death certificate. The stocks are different though, the will states half to myself and my brother but not sure how exactly that would play out. Would the stocks be subject to probate court even if covered in a will? How much would they be taxed in probate? (stocks worth approx 1.5M)

I am getting a new will done, power of attorney and a health document stating his wishes. Just wondering if a Living Trust is beneficial given the amount is under the 5M that's taxable.
Question Deals
g: 1 Posted By: lambo881
Views: 203 Replies: 0 Rakuten has both Monoprice 27" WQHD monitors on sale.

27" IPS Zero Gfor $279.99 ($321.99 - $42 instant coupon), free shipping
27" IPS Glass Panel Profor $349.99 ($386.99 - $37 instant coupon), free shipping

Best prices I've seen! Both monitors are are WQHD 2560X1440 resolution. The more expensive monitor offers additional ports (DisplayPort and HDMI) in additional to the Dual Link DVI and VGA. It also guarantees no dead pixels, though I don't recall the dead pixel policy on the lower cost model. Remember, you'll need a compatible video card and use either DisplayPort or Dual Link DVI to get the higher resolution. It comes with a Dual Link DVI cable (a normal DVI cable does not support the higher resolution). Price is much closer to the less expensive 1920X1080 monitors and of course, significantly lower than name brand WQHD monitors. Main knock on these panels is the stand.


Monitors Deals

Rakuten.com Shopping Coupons
Bulova men's black dress watch, $89 shipped, from Ashford
Added on : Tuesday August 26th 2014 01:00:33 PM
g: 0 Posted By: cga
Views: 291 Replies: 0 Bulova quartz dress watch, $89 shipped

Use "DNEWSDIA89" to get the$89 price, including free shipping.

This is a very classy and expensive looking men's dress watch with a long, good quality bracelet, and an attractive dial. Looks much nicer and more expensive in person. I own many watches, and this is still one of the most attractive ones in my collection, even when compared to many of my MUCH more expensive watches. The case is small by today's standards but the style will always look contemporary and expensive.

Price good until September 1, or I suppose. until they sell out.

Don't forget FatWallet Cash Back--now 5%.
Watches Deals

Ashford Coupons
Honda Civic 2012 end of lease option? Finance?
Added on : Tuesday August 26th 2014 11:00:53 AM
g: 0 Posted By: penelope31
Views: 37 Replies: 0 Hi,
I have a Honda civic 2012 LX model with 29000 miles on it. My lease is ending by Oct 1st. I am considering to buy my car at the end of lease (residual value $13600.00) as my civic is in excellent condition with no accident. Initially I was considering leasing another brand new car, but after much discussions I have come to the conclusion that by buyingmy Civic out I will pay the minimum amount every month. I am really looking to reduce my monthly spending on the car. I do not want to look for another certified preowned car as I would not be sure about the cars actual condition.
So is my decision regarding buying my car a good one?
Also if I need to finance , what places I should look for ? Any tips?
Will look forward for your responses.

Question Deals
g: 0 Posted By: fivetalents
Views: 183 Replies: 0 Amazon has a $6 coupon for select 6 or 12 pack boxes of Stacy's 18oz or 8oz bags of pita or bagel chips. Four of these flavors also qualify for subscribe and save (5% on one item, and 15% on five items). You can cancel the S&S anytime after your order has shipped. S&S orders always ship free from Amaz0n. Without S&S, shipping is free on orders of $35+.

By stacking the coupon with the 15% S&S, you can pay as little as $18.93 ($0.1971 an ounce, or $1.58 per bag) for the Simply Naked bagel chips 8oz x 12 pack... to as much as $25.94 ($0.2401 an ounce, or $4.32 per bag) for the Parmesan Garlic & Herb pita chips 18oz x 6 pack.

Go here to clip the coupon. Scroll down to select qualifying flavor(s) to purchase.

Example...
Stacy's Bagel Chips, Simply Naked, 8-Ounce Bags (Pack of 12)
$29.33 - $6 coupon = $23.33
$29.33 - 5% S&S ($1.47) = $27.86 - coupon = $21.86 ($1.82/bag, $0.23/oz)
$29.33 - 15% S&S ($4.41) = $24.92 - coupon = $18.92 ($1.58/bag, $0.1971/oz)


Other flavors (prices without S&S or coupon)...
Stacy's Bagel Chips, Everything (Onion, Sesame, Poppy & Garlic), 8-Ounce Bags (Pack of 12) $30.22
Stacy's Pita Chips, Multigrain, 8-Ounce Bags (Pack of 12) $31.35
Stacy's Pita Chips, Parmesan Garlic & Herb, 18-Ounce Bags (Pack of 6) $37.57

Baked, no artificial colors or flavors, and no MSG
Baked in Randolph, MA

Food Deals

Amazon Coupons
Pyle PHBT5B Bluetooth Headphones - your choice of color $19.99 @ Woot
Added on : Monday August 25th 2014 09:00:32 PM
g: 1 Posted By: ctgolfer
Views: 155 Replies: 0 shipping adds $5

PHBT5B Stereo Bluetooth Noise Cancelling Headphones with Built-in Mic:

Take Calls with Built-in Microphone
Noise-canceling stereo sound drivers
Built-in Version 3.0 Bluetooth technology
Listen to your favorite music from Bluetooth-enabled devices
Unlock more possibilities - Can be paired with 2 mobile phones
Bluetooth profiles supported: headset, hands-free, A2DP & AVRCP
With built-in Bluetooth technology you can stream audio directly from your Bluetooth enabled device with crystal clear wireless performance -- Works with iPhone, Blackberry, Droid, iPads, Tablets and much more


http://kids.woot.com/offers/your-choice-of-pyle-bluetooth-headph...
Headphones & Speakers Deals

woot! Coupons
Recommend a CC for rewards for upcoming purchase
Added on : Monday August 25th 2014 07:00:18 AM
g: 0 Posted By: evercl92
Views: 117 Replies: 0 I'll be making a purchase of >$5,000 shortly, and was looking for a recommendation of a credit card to earn a quick spend and a truck load of reward points. I'm looking to trade the points out for cash - I'm not much of a traveler, so strictly flight points don't interest me.

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

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

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

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

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

$254.38
$10 off
= $244.38

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


Routers Deals

Staples Coupons
Career Coach
Added on : Monday August 25th 2014 04:01:00 AM
g: 0 Posted By: GermanBoy
Views: 17 Replies: 0 I was talking to one of my friends recently about some time that he spent with a professional career Coach. This was a one-time consultation paid for by his company. He described it as helpful, but not something that they would pay for with his own money. I know that there are a number of people with high-earning careers and am trying to decide if this is something I should look into further.

If you have worked with a professional career Coach, what has been your experience? Specifically...

How did you find your career Coach?
How much did/does career Coach charge?
What did his/her services include?
Was your relationship with your career Coach transactional or ongoing?
What do you estimate has been the impact on your career, both in terms of salary and fulfillment?
Would you work with your career Coach again/are you continuing to work with your career Coach?
g: 0 Posted By: mayberj
Views: 147 Replies: 1 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

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

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

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

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

$254.38
$10 off
= $244.38

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


Routers Deals

Staples Coupons
American Express Membership Rewards Up To 30% Discount On GCs YMMV
Added on : Monday August 25th 2014 12:00:41 AM
g: 0 Posted By: doctorofcredit
Views: 36 Replies: 0 Just received an e-mail from amex offering a 30% discount on some gift cards when redeeming MR points. Apparently some people only received an e-mail for 10 or 20% discount, so check your e-mails.

Not that much use for myself as I don't redeem MRs for gift cards, but some of you may find it helpful.
Discussion Deals
Granite Fabricator -- Should I sue?
Added on : Sunday August 24th 2014 07:00:50 PM
g: 0 Posted By: DoanB
Views: 75 Replies: 4 Hi Everyone,

I've hired a granite fabricator to install granite in my kitchen as well as my bathrooms.

The contract stated to install 3cm(about1in1/8)granite for a price of $50 per sqf. But then I found out that the installed granite is only 1in which looks much thinner than the 3cm should be. I have contacted him and he said he was only a fabricator and told me to contact the whole sale place where I went to pick out the type of granite that I'd like to install. I called the wholesaler and they asked for the fabricator's info and I provided all that. Then they asked for my info as well and said they would call me back. It has been a couple of weeks without any calls from them.

Should I sue them for the breach of the contract of not installing the correct 3cm granite? Does anybody have any experience with this kind of issue? Please advise!

Thanks!
Question Deals
$70 (gift card) for opening Amazon.com credit account
Added on : Saturday August 23rd 2014 11:00:34 PM
g: 0 Posted By: CPenn
Views: 49 Replies: 0 I searched through the forum and didn't see this specific question. If I missed it, please accept my apologies and blame it on the late hour, which is the only time I can get peace and quiet to take care of such things as opening a new credit card. My question is whether it is worth it, the $70 is nice, but it could be so severely restricted that I wouldn't be able to use it on something I actually need or want.

I'd really appreciate hearing others' opinions and experiences with this card. I'm a bit concerned about opening another credit account, especially if I end up cancelling it after a while. I usually keep my accounts a long, long time, even if they aren't active. Which probably isn't wise, but,,,for now I have the question about Amazon's offer. Any ideas/experiences? I love Amazon and use it a lot.

Thanks, all

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

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

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

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

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
Captive Insurance Programs
Added on : Saturday August 23rd 2014 12:00:15 PM
g: 0 Posted By: Coto
Views: 125 Replies: 2 I'm looking at a very high tax bill at the end of this year. So my accountant suggested setting up my own Captive Insurance Policy. From what he says I can contribute a lot and it's all tax deductible and after a certain period of time I can even take the money back out (borrow from it) with no penalties. I've looked it up all over the web, I guess the IRS doesn't like it too much as they are considered a tax shelter but they are allowed in 38 states. It will cost $60,000 to set up and I can even finance if I want one for a million for example.

I'm not so sure, anyone know anything about these types of policies?


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g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 25% more powerful than the competition with 150 in.-lbs. of torque, while operating at 0 - 500 RPM
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Built-in LED light illuminates the work area and makes it easier to see in dark, tight spots
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Small compact size gives you the freedom to use a power tool where not normally accessible with other driver/drills
Soft grip sides protects and grips surfaces
Lithium-Ion manganese chemistry provides fade-free power until the end of the charge
Quick bit-loading 1/4-in hex chuck for bit insertion and release with one hand


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

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

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

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

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

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
g: 0 Posted By: orangespot
Views: 29 Replies: 0 A friend of mine is coming in to town this weekend. He was sticker-shocked when he saw the price of accommodations. Apparently this weekend, most hotels seem booked solid. He really doesn't want to go lower than a 3 star hotel (or 2.5 on Priceline.)

I've done the Priceline thing for him but not finding any great deals. The Express Deals are coming in at 120- 130 for a 2 star, at best.

Anyone have any ideas for websites or strategies to try?

I'm not the best at travel planning because I don't do much traveling myself. He is willing to stay within 80 miles or so around town, but just doesn't want to stay where the quality would be more appropriately rated in bedbugs instead of starts.
g: 0 Posted By: billrubin
Views: 18 Replies: 0 I recently had my Capital One debit card hacked and there were around a dozen withdrawals made from a total of 3 ATM's over the period of 3 days, for around $2k, I believe all of them were in the UK. When I called Capital One and asked how they allowed these to go thru when I had not told them I was traveling (as I always do), they told me that because they were PIN based they allowed them. Shouldn't someone in their security department have noticed these and tried to contact me? I only noticed it because they got downloaded into Quicken, but sadly not until they had ended. Am I expecting too much???

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

I did call another bank I have a checking account with to see if they could put a block on all overseas withdrawals and they were able to. I wouldn't have thought that I would need to, but I guess better safe than sorry.
Discussion Deals
Help with small company 401K.
Added on : Thursday August 21st 2014 09:00:08 AM
g: 0 Posted By: jcb193
Views: 146 Replies: 0 I'll try to keep this simple.
We have a small father and son business.
- One full time employee- $35,000 a year
- Father and Son make about $500,000 in gross commissions a year, which comes out to about $300,000 a year in salary after expenses.
- Mother also works for salary in business (full time). ~$20,000
- I could also make wife an employee if this is advantageous too, as she works in the business as well (part time).
- Son and son's wife currently make max contribution to ROTH/Trad IRA every year.

I'd like to setup a company 401K-style plan, but wondering what is the most optimal setup, as I don't want to give my full time employee a ton of match, as it's money out of my pocket. Father and Son would like to sock as much away as possible.

From what I can gather, these are my two options:~~Sep IRA:
We can give up to 25% of our income (up to 50k). Nothing to employees. No costs.
No addition roth/tradition ira.401k:
We can give 100% of compensation (up to 50k). Have to give employees (2-5%) off the top (of their salaries).
Administrative costs ~$1200
Can also do a roth/tradition in addition
Investing Deals
Multiple credit cards decreases credit score?
Added on : Thursday August 21st 2014 08:00:09 AM
g: 0 Posted By: deterdangler
Views: 11 Replies: 1 Hi Everyone,

I am planning to apply for Amex credit card i already have 2 bank of america VISA cards.

Does my credit score decrease if i have multiple credit cards?
I have a credit card that i opened in 2011..if i close this credit card..does it impact my credit score?
If it does not impact, i would like to open 4th one..chase VISA signature card..because i always see buy one get one offer from Fandango..applying for 4th card impacts my credit score?

Any suggestions guys??

Thank you so much..

g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/dp/B00CB5UEXU/

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Amazon Coupons
Sams Club has Swann 8 camera, 720p w/1TB NVR for $449
Added on : Wednesday August 20th 2014 12:00:03 PM
g: 0 Posted By: gandude
Views: 167 Replies: 0 After $300 tech savings price is $449. free ship

Sams Club Swann 8 camera security

8x 720p cameras. NVR w/1TB HDD. CAT-5 cables. NOTE: this is not PoE, but doesn't look too bad. -Just a few extra wall warts tofind outlets for.

Don't know much about these systems but this seems fairly good for the price. I did a little bit of research. It should be delivered today.

Thoughts?
Home & Garden Deals

Sams Club Coupons
Free 6" Kindle e-Reader with $150+ Jewelry Purchase +FS at Helzberg.com
Added on : Wednesday August 20th 2014 10:00:03 AM
g: 0 Posted By: fivetalents
Views: 206 Replies: 0 Helzberg Diamonds is offering a free kindle e-Reader (retail value $69) with any qualifying online jewelry purchase of $149.99+. Valid online only using code KINDLE at checkout. While Quantities last.

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Which is better swapalease or leasetrader
Added on : Wednesday August 20th 2014 06:00:13 AM
g: 0 Posted By: traderneal
Views: 114 Replies: 3 Hoping to get some info on swapalease or leastrader


I have a lease I need to get out of, so if anyone can be so kind to let me know their opinion on the sell side, it would be greatly appreciated.

Upon checking the reviews of both sites on the web, there really isn't much to go on; just a small sample.

Has anyone used Craigslist to get out of a lease?



For the record, it is my father's car:

2013 Buick Lacrosse
7600 miles
1 year into a 39 month lease (roughly 27 months left)
10k miles a year
$210 a month
Car is almost spotless and runs perfect (some minor scratches)
Will split the cost of the transfer. (The lease is with USB. The transfer fee is $500, so I will split it $250 and $250)
Philadelphia area


In case anyone is interested



It would cost over $3,000 to have the dealer buy the car back, and over $5k to just turn the car in and end the lease.


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

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

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

So.. what would you folks suggest? We're looking at $25k that will need to be usable by June of 2016 for tuition. Please let me know if I've left out anything important.

Thanks!
Personal Finance Deals
g: 0 Posted By: ctgolfer
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Best Buy Coupons
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
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g: 1 Posted By: VegasVegan
Views: 145 Replies: 0 One Way Out: The Inside History of the Allman Brothers Band- $3.95 @ Audible.com
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g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

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

What they are wanting purchase from us:

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

Where we are in the process:

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

What they will pay for:

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

What they might pay for:

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

What they won't pay for:

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

Negotiation Strategies:

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



If you have any experience with something like this, or if you have suggestions please chime in.
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g: 1 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/dp/B007S63PS8

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g: 0 Posted By: ctgolfer
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g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 use promo code: VCO and check out with Visa

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

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

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


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way to undo a hard credit pull?
Added on : Sunday August 17th 2014 11:00:09 AM
g: 0 Posted By: morfys
Views: 123 Replies: 4 Hi,

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

So we had the following questions:

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

Thank you very much for any information.
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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


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From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
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g: 0 Posted By: ctgolfer
Views: 190 Replies: 0 These headphones use a single 50mm woofer and three 13mm tweeters in each earpiece to deliver superb sound quality across the entire musical spectrum. They feature a frequency response range of 20Hz to 20KHz and a 120dB sensitivity, so you will hear every note with clarity and as much volume as you can handle.The Bluetooth A2DP and AVRCP profiles are supported for music, allowing for wireless transmission of the audio signal as well as remote operation of the source device using the controls on the headset. The headphones also support the Bluetooth HFP and HSP profiles, so you can use them to answer and place calls from your smartphone. The Bluetooth module has a reception range of about 30-60 feet in clear air.As amazing and convenient as Bluetooth connectivity is, you still have to have a phone or music player with you or within Bluetooth range. However, with these Monoprice Headphones, you don't even need a phone or music player. Just plug a micro SD card into the card slot in the right earpiece and listen to your favorite music directly off the card. The headphones support micro SD cards up to 64GB capacity and can play mp3 and wma files. When connected to a PC or Mac through the USB interface you can see the micro SD card like any other drive on your system, allowing you to copy or delete files without the need for a separate card reader.The headphones have a built-in Lithum-polymer battery with capacity for up to 20 hours of playback/talk time and a whopping 325 hours of standby time. The battery takes about 3 hours for a full charge and is charged using the included micro USB cable. Included in the package are three audio connection cables, allowing the headphones to be used in wired mode.

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Questions about student loan consolidation
Added on : Saturday August 16th 2014 07:00:12 PM
g: 0 Posted By: SyZpuzzler
Views: 81 Replies: 0 Hi,

My credit card will be paid off in about 3-4 months, and I'm currently at a score of 747 on Credit Karma, not sure what this translates to for FICO: http://i.imgur.com/c3uXQpX.png

I have some questions about student loan consolidation as that is potentially next on the list

1) Is it worth it to consolidate about $27k worth of student loan debt, if at least 60% is at 5.9% or 6.9% interest? My thinking is, it lowers the interest each month, lowers the minimum payment each month, because it lengthens the term of repayment and they figure they'll make interest by you just doing the minimum each month. But if your goal is to pay it off asap, wouldn't you end up saving money as you're being charged less interest and your goal is to get the 27k to 0k?

2) How do minimum payments on fix year loans work? For example, if you only pay the minimum on your credit card each month you'll pretty much never get it paid down due to interest. But if you have a fixed 5, 10, 30 year loan, it is eventually paid off if you make minimum payments, correct? (This would tie in to my 8k car loan at 1.9% interest which I clearly just want to pay the minimum on, if this is true)

3) Is it worth it to get out of student debt asap at the cost of potentially entering the stock market? Should I set aside maybe $100 each month to invest there? I want my liabilities shrinking and my assets growing

Thanks


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g: 11 Posted By: remick
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g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/gp/product/B00D52RFZS/

This book is the, Student Version of the previous book titled, How to Build a Computer (For Beginners) by John Gower III.
This book has step by step instructions on how to build a computer from scratch. This book is great for educational use.
This book contains the following, newly updated questions in each chapter, Certificate of Completion, and much more.....
The answers are taken out and written in the teachers version.



also free

Windows Registry Forensics (WRF) with Volatility Framework: Quick Startup Guide for Beginners
http://www.amazon.com/gp/product/B00L3OML4U

Windows Registry Forensics (WRF) with Volatility Framework is a quick startup guide for beginners. Registry forensics is becoming very essential & useful task in digital forensics as well as incidence response. When system is infected & compromised by attacks or viruses, investigator need to perform analysis & forensic investigation on particular system. Through this book I am going to demonstrate forensics analysis by using dumped memory forensics.

This book cover some great forensic topics with practical demonstration -
1) Introduction to tools for forensics
2) Basics of Memory Image (Dumped)
3) Windows Registry Basics and Structure
4) Hardware Analysis
5) Hash Dumping and Analysis
6) LSA Secrets Dumping and Analysis
7) Shellbags Analysis
8) UserAssist Analysis
9) Shimcache Analysis
10) Most Recent Used (MRU)


Microsoft Office 2013: Fast and Easy: A comprehensive tutorial for Microsoft Office 2013 (The Get It Done FAST! Series Book 15)
http://www.amazon.com/gp/product/B00MP590YA

Best of the Internet: Useful Websites and How they will Improve your Business and Personal Life
http://www.amazon.com/gp/product/B00BEB9W12/

Protecting Your Privacy: A Guide to Keeping Prying Eyes from Your Computer and Online Activities (Location Independent Series Book 5)
http://www.amazon.com/gp/product/B00IBRYQUY

Quick Tips: Windows 8.1 Secrets, Tips and Tricks
http://www.amazon.com/gp/product/B00M3FUUU0

Microsoft PowerPoint 2013: Fast and Easy: A comprehensive tutorial: A part of the "Get it Done - FAST!" series of computer books (The Get It Done FAST Series)
http://www.amazon.com/gp/product/B00MO2S6N0

Computer Setup Guide: A Step-by-Step Guide to Setting Up and Configuring a New or Existing Computer (Location Independent Series Book 4)
http://www.amazon.com/gp/product/B00IBKFC1S
Books Deals

Amazon Coupons
Deluxe Table Top Photo Studio - Photo Light Box $26.99 Tanga.com
Added on : Saturday August 16th 2014 02:00:02 AM
g: 0 Posted By: DaysFan
Views: 185 Replies: 0 http://www.tanga.com
$26.99
https://www.tanga.com/deals/f9fe46f603c6/deluxe-table-top-photo-studio-photo-light-box?internal_campaign=channel
Deluxe Table Top Photo Studio - Photo Light BoxCreate Professional Photos From Home!https://www.tanga.com/
Create professional looking photos with your own home studio. A tripod for use with your own digital camera. The studio quality table top lighting ensures even color and clarity. Lighting also features retractable legs for placement or hand held use. Adjustable camera tripod for exceptional blur-free camera shots. Soft lighting diffusion box with red, white, blue and black fabric backgrounds. Also a fantastic carrying case, so that you can take your professional studio on the go.

Great for online auction advertising. Such as: eBay, Amazon, overstock and much much more!Features:

Adjustable tripod
Tripod measures 7.5 7.5 7 inches
Soft lighting diffusion box measures 16 16 16 inches
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Two quality adjustable lamps
Each lamp measures 7 7 9.5 inches with a 5.5 ft. cord
Carrying Case

Condition: NewWarranty: 30 Days
Cameras Deals

Tanga Coupons
AmericanGirl.com Last Chance Sale plus Free Shipping Min $50
Added on : Saturday August 16th 2014 12:00:05 AM
g: 0 Posted By: DaysFan
Views: 105 Replies: 0 linked
http://store.americangirl.com/agshop/html/thumbnail/id/2109/uid/329Free Shipping Minimum $50 purchase
*Offer valid through 11:59 p.m. Central Time on 08/18/2014. Minimum order of $50 required.

To redeem this offer, enter GETAWAY in the box marked "key code" in your shopping bag or at checkout. Free shipping will appear at checkout. Your purchase total must equal or exceed the minimum order requirement to qualify.

Offer applies to standard shipping and processing charges to first US or Canadian address only. Additional charges apply for shipping to more than one address, rush shipping, shipping outside of the US or Canada, and shipping large items. Rush shipping not available to Canada.

http://www.americangirl.com/

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Clothing Deals
20% off fashion products at amazon
Added on : Friday August 15th 2014 11:00:02 PM
g: 0 Posted By: epicSwag
Views: 104 Replies: 0 Until August 22nd, or when all codes are redeemed,Amazon is offering20% off fashion ordersof $100 or morewith coupon codeSTYL2014at checkout.
-----------
This promo covers your entire order ofeligible fashion products from the following categories: clothing, shoes, watches, sunglasses, luggage, athletic shoes, accessories, and jewelry. Brands include Kenneth Cole Reaction, Tommy Hilfiger, Oakley, Movado Cole Haan, New Balance, Gucci, Timberland, and so much more.
g: 2 Posted By: Tiemanator
Views: 322 Replies: 1 The crocs are actually NHL tagged, but the tag pulls off in like 2 seconds, very easily!
They're just plain black crocs when you remove the tags. There will be two small holes left where the tag was, but there are so many holes in the shoe already, it pretty much looks like it was supposed to be there.
This is a YMMV deal, or hot deal for some, not a deal for others, since many/most of the sizes are only available as the last one or possibly hard to find the size you need.. But I was able to snag 3 pairs in the size I needed, one for the house, one for the yard and one to replace the yard ones next year when these wear out.

Just go to Amazon and type in the search bar "NHL Crocs" or "NHL Crocs 12" or 10 or 8 or whatever size you are.. They there are still tons left, and remember, it doesn't matter what team you get, the tag pulls off and you have new black crocs for $6.02 shipped (if you have prime!)
Some sizes are available in pink too..
Example, HERE:

Either way, I got 3 pairs for me and a pair for my wife all for $24.08 shipped!
Shoes Deals

Amazon Coupons
HUD Minimum Acceptable Bid & Other Questions
Added on : Friday August 15th 2014 05:00:07 AM
g: 0 Posted By: scottybweyy
Views: 27 Replies: 0 I'm planning on bidding on a house in SC, which is in HUD Region 4. It's uninsured so it only has a 5 day exclusive bid period for owner occupants and no investors.I couldn't find much data on the minimum acceptable bid for uninsured HUD houses. I've read as high as 93%, but many numbers have said 87%, 85%, and 80% are possible depending on region for insured houses during their first bidding period. Some questions:

Any ideas on what the minimum acceptable bid for this house in percentages?
If I think I'll be the only bidder and place an offer, will I have to accept the counter before the first investor bids a minimum acceptable bid? Or would they let me decide on the counter before they open any investor bids?
If you resubmit a bid do you get a new bid acknowledgement number?
Best Budget Brokerage?
Added on : Thursday August 14th 2014 10:00:14 AM
g: 0 Posted By: caveman017
Views: 42 Replies: 0 Been using Options House and Trade King but am thinking of consolidating down to one. I (at the moment) just trade stocks on occasion with about $15k of "play" money (money I can afford to lose), although am thinking of putting cash into a money market account. All mutual fund transactions are through Vanguard where my IRA's are held as well.

I only hold about $3k in stocks at the moment as I cashed out of my short term gains a few months back and haven't been following the market much as I've got a new job. I don't think either of these offer money markets funds, do they?
Investing Deals
Accelerate Auto Payoffs or Invest?
Added on : Thursday August 14th 2014 02:00:04 AM
g: 0 Posted By: LeonSandcastle
Views: 10 Replies: 0 I'm having a tough time making up my mind on this. Recently, I've come to the conclusion that when financing a car, I won't go longer than 3 years in the future. However, I currently have 2 car loans, with 4.5 and 5 years remaining, at 2.90% and 2.69% respectively.

I have the ability to pay double on one loan, pay it off quickly, and then apply the money to the other loan and have them both paid off in 3 years, or I could pay them off as scheduled within 5 years, and have that extra $600/mo to invest.

I know a lot of the financial gurus suggest paying off car loans as quickly as possible, but I'm not sure if that advice makes as much sense when the money is borrowed at less than 3%.

How would you approach it?
Question Deals
g: 1 Posted By: remick
Views: 175 Replies: 0 The TI-Nspire for Beginners (TI-Nspire (TM) Tutorials: Getting Started With the TI-Nspire Graphing Calculator Book 1)
http://www.amazon.com/gp/product/B008GOXBDK

At a breakneck pace, students, teachers, and schools around the world are adopting the TI-Nspire as their graphing calculator of choice. However, with the popular TI-83 series dominating math classrooms around the world for over a decade, many students and teachers are still scrambling to figure out how to use the powerful new TI-Nspire.

This brief TI-Nspire tutorial book is a simple way to get started on the TI-Nspire graphing calculator. Whether you are a high school student who's never picked up a graphing calculator or a teacher looking to get current with the latest technology, you'll find numerous tutorials in this book to get you started. Button press sequences and dozens of screen captures will help guide you through the process of learning to use the TI-Nspire.

Since this book is full of tutorials for beginners, the focus is on the basics of the TI-Nspire. Whether your Target mathematics level is Algebra I, Calculus, or anywhere in between, you'll find that these tutorials will help you achieve a comfort level with the Nspire. While numerous features of the Nspire are touched on, the focus in this volume is on basic navigation and settings of the Nspire, calculator features, and graphing features. Examples are explained for every type of window, including spreadsheets and data and statistics.

Regardless of what version of the TI-Nspire you own, CAS or non-CAS, clickpad, touchpad, or the TI-Nspire CX, you will find that the TI-Nspire tutorials are aligned to your calculator. The second edition of these TI-Nspire tutorials are written for TI-Nspire OS 3.9, the latest version of the operating system released in June 2014. If you have an older version of the operating system on your TI-Nspire, you will find directions in the book on where to turn to update your calculator at no additional cost. Any version of the TI-Nspire is capable of running the latest OS 3.2, whether you have the original grayscale TI-Nspire clickpad or the latest full color TI-Nspire CX.

Lucas Allen has taught in the public high schools of Illinois for over 10 years. In recent years, he has focused much of his effort into learning and teaching with the TI-Nspire. As the Coach of the Morton High School math team, his coaching strategies with the TI-Nspire CAS have resulted in numerous trophies at the state finals, including the 2012 Illinois math team state championship. He blogs about math education technologies, including the TI-Nspire, at http://www.techpoweredmath.com



TI-84 Plus Tutorials
http://www.amazon.com/gp/product/B00E4EARHE/

Never has there been a family of graphing calculators that has dominated the math education landscape the way the TI-84 Plus family has. Throughout the early 2000's, it has been the single most popular graphing calculator in math classrooms around the world. It's easy to understand why. It's powerful, recommended by teachers, and accepted on virtually every standardized test that allows graphing calculators.

As the 2013-14 school year begins, the all new TI-84 Plus C Silver Edition brings a high resolution, full color, backlit display to an already wildly popular device, making it sure to be the hit new calculator for this upcoming school year. This new feature allows students to graph each function in a different color, graph on photographs, and more.

In Lucas Allen's new book, TI-84 Plus Tutorials, he breaks down the TI-84 Plus family in a non-intimidating way, setting beginning users up for success on the TI-84 Plus in their math classes. Step by step directions are given with detailed explanations of button presses and lots of screen captures so readers can follow along. There is no assumption that the user has ever used a graphing calculator before, whether they are a student or a teacher. The book is a comfortable reading length, designed so that you can go through it with your calculator in just a couple of hours and feel confident about getting started with your TI-84 Plus in class this year, whether you have a classic black and white TI-84 Plus or a TI-84 Plus C color.

Among the many features covered in depth are how to use fractions, change modes, perform trigonometric calculations, numerous graphing features, how to use tables, perform basic statistics calculations, use apps, solve equations, polar equations, parametric equations, calculus features, and much, much more.

Lucas Allen is high school math teacher in a small town in downstate Illinois. He's also the Coach of his school's highly successful math team, a team which won the 2012 Illinois math team state championship over some of Chicago's most elite private schools.



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

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

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

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

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

Thank you for reading!
New User Question Deals
LAS Car Rental Is This Worth The Cheap Price?
Added on : Wednesday August 13th 2014 06:00:13 AM
g: 0 Posted By: rella5
Views: 112 Replies: 0 Will be in LAS in September. For 4.5 day rental - Budget offered a Chevy Tahoe with pickup at the Tropicana location return to McCarran Rental Facility for $36.27 total (taxes/fees included). Budget online chat confirmed that the rental price was valid. The lowest car rental I have found is $165 total (taxes/fees included) for economy car. (Not interested in Firefly, Sixt, EZ or Payless) With the cost of taxi/shuttle to get there and the cost to replenish fuel, is it worth it? Too much vehicle for 2 people? Staying on the strip. Thoughts?
Las Vegas Deals
What to Charge for Property Management...?
Added on : Wednesday August 13th 2014 06:00:12 AM
g: 0 Posted By: jess888
Views: 108 Replies: 7 I have been approached by an acquaintance to potentially "manage" their expensive vacation home in my town. They are a well-to-do couple with small children and can't get to their second home very often.

The job will include spot checks of the place just to make sure that all is well, doors are locked, etc. Also, they are going to have some light remodeling done in the coming months, and would want me to check on the work make sure that workers show up, let them in, take pics of the work, coordinate with the contractor.

Not sure what to charge. I was thinking about a per visit fee with a specified time limit per visit, plus a fee for my time if I need to spend more than that time limit.

Thoughts? Thanks I much appreciate it.
Real Estate Deals
g: 0 Posted By: Deals4mykids
Views: 247 Replies: 0 http://www.a4c.com/dailydeal

Stunning 8-inch capacitive touchscreen (1280 x 800 resolution)
Runs the highly customizable Android 4.1 Jellybean OS
Access to thousands of new apps from the Android platform
Powerful 1.6GHz Samsung Exynos Quad-Core Processor
16GB internal storage capacity for storing photos, music and other files
Up to 64GB microSD card slot expansion, great for storing larger files
5MP rear camera for capturing life's unforgettable moments
1.3MP front camera for Skype and other web chats
Bluetooth 4.0 enabled; pair tablet with compatible headset, speaker, etc.
802.11a/b/g/n Wi-Fi enabled
Revolutionary integrated S Pen for sketching & notes

The ultra-thin and lightweight Samsung Galaxy Note 8.0 (GT-N5110) 16GB Wi-Fi Tablet is a modern day, yet affordable, tablet that runs the user-friendly Android 4.1 Jelly Bean operating system. The Note 8.0 has an 8" color touchscreen that boasts a 1280 x 800 resolution for crystal clear images. Store all your photos, music and other files thanks to the tablet's 16GB on-board memory, or insert a microSD card for additional storage space. Better yet, the Galaxy Note 8.0 comes with the one-of-a-kind S Pen which makes writing e-mails, taking notes and sketching much easier than ever before!

Android Tablets Deals

A4C Coupons
g: 0 Posted By: DizzyT71
Views: 339 Replies: 0 WalMart has theAmeriwood 5-Shelf Bookcase (Various Finishes)on sale for $31.50 with free store pickup.

Compare at Amazon for $52.58 shipped.

Available in: Alder♦ Black♦ Espresso♦ Ruby Red♦ White

3 adjustable shelves
Decorative bookcase is easy to assemble
5-shelf bookcase measures: 9.31"L x 24.68"W x 71.5"H
Holds books, magazines, games, DVDs and much more
Doubles as an open shelving unit
Neutral tone matches well with many home furnishings
Use in any area of your living or office space

4.1/5 Stars based on 1,643 customer reviews on product page.
Furniture Deals

Walmart Coupons
g: 0 Posted By: DaysFan
Views: 188 Replies: 0 WriteyBoard Removable Adhesive Portable Stick-on Dry Erase Board 10-Piece Kit - 000-991http://www.shophq.com/Offer/Default.aspx?OfferCode=000-991Cuban's American Dream-_-000-991&cm_re=OnAirToday-_-Mark Cuban's American Dream-_-000-991
linked
http://www.shophq.com/

ShopHQ Price: $67.00
Once Only: $55.41 Save: $11.59 (17% off)
or 4ValuePay:$13.85 Shipping & Handling: $7.99

WriteyBoard Removable Adhesive Portable Stick-on Dry Erase Board 10-Piece Kit

Black is the new white! Bring your thoughts to life like never before with the black or white Stick-on WriteyBoard. Imagine turning any indoor or outdoor surface into portable, erasable boards that allow you to list all your vital thoughts, school or business data and personal communications. One of the coolest products to hit the dry-erase market, since well, the original WriteyBoard. The Black WrietyBoard uses the dry-erase neon markers - make your menu or notes look magical in neon color! WriteyBoards are the ideal choice to graphically display your upcoming plans anytime, anyplace! Portable, versatile and practical! And once done, store everything back in the cool marker-shaped tube.As featured on Shark Tank, the Mark Cuban company features products that are practical and useful around the house or office. These WriteyBoards are dry erase boards with an adhesive backing designed to be stuck onto most any surface. The WriteyBoards can be removed and re-applied three to six times before the adhesive will weaken. Finally, a Whiteboard that you can stick on, take off and take with you! Perfect for dorm rooms, libraries, offices, homes, classrooms, workplace and much more!Includes:

One 12" x 18" Stick-on Black Dry Erase Board
One 24" x 36" Stick-on White Dry Erase Board
One Neon Orange Dry Erase Marker (for the Black Dry Erase Board)
One 3.38 oz WriteyBoard Spray Cleaner
Two Reusable Erase Cloths
Four WriteyBoard Markers

Features:

Removable adhesive - peel off backing can be reapplied to a different area
Flexible foam backing
Erasable so you will never have to buy another notepad again
Enough space to fit all important activities or appointments, yet small enough to fit most anywhere
Smooth writing surface
Easy to remove and reapply

Additional Information:

Dimensions:
Black Dry Erase Board: 18"L x 12"W
White Dry Erase Board: 36"L x 24"W
Spray Cleaner: 5-1/4"H x 1-1/2"W (3.38 oz)
Reusable Cloth: 11-1/2"L x 11"W
Care Instructions: For WriteyBoards: We recommend cleaning with a micro-fiber cloth or standard whiteboard eraser; Reusable Erase Cloths: Machine washable cold. Line dry; For stubborn dry-erase marks, use a little water
Country of Origin: China

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

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

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

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

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

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
g: 0 Posted By: Savvymommy03
Views: 88 Replies: 0 eBay has theLepow Stone 6000mAh Dual USB External Battery Power Bank Charger (Black) on sale for $15.99 w/ free shipping.

Lightweight, portable external battery - charge your mobile phones, iPod, and much more with a 6000mAh capacity
Amazing conversion rate of 90% (higher than average).
Top-notch compatibility - works with iPhone 5S, 5C, 4S, Samsung Galaxy S5, S4, S3, HTC One, Droid

Batteries & Chargers Deals

eBay Coupons
Union Plus Prepaid Savings Account - 5.1% APY
Added on : Monday August 11th 2014 09:00:10 AM
g: 0 Posted By: MoogLiberation
Views: 32 Replies: 0 I searched and didn't find any threads that had answers to my questions and I just figured I'd throw them out there to the group. I'm looking to open an account with Union Plus and I have a few questions before I do so:

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

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

If I decide not to do the DD and just eat the monthly fee, is there anything I have to do (like a small DD) just to keep the account active and open? Thanks.
g: 1 Posted By: cga
Views: 275 Replies: 0 Jomashop via eBay

Tag Heuer Formula One Grande Date Mens Watch WAH1011.BA0854, $589.99

This is a mainly white dial, discontinued quartz sports type watch. 200m water resistance, titanium bezel, stainless steel case and bracelet. With two year JomaShop warranty, which by the way I discovered is transferable to new owners.

The black version is $599.99, and in my opinion not as attractive as the white version, but this is strictly a matter of taste:

Black version

I don't think this deal will last. JomaShop will probably run out soon, as these prices are well below current market prices, and these two models are hard to find, and will probably not depreciate very much. I've purchased many watches from JomaShop, and they are first rate. Only issue is they charge sales tax for shipments to NY.





Watches Deals
Benny the Jumping Bull 6-Colors $24.99 @ Woot
Added on : Monday August 11th 2014 01:00:08 AM
g: 0 Posted By: ctgolfer
Views: 183 Replies: 0 shipping adds $5


Wrangle like a true cowboy on this raging bull. Benny will help your kids burn out their extra energy while teaching them balance, coordination and much needed bull-riding skills

Choose from 6 Colors

Thick, durable, washable
Pump included (other ride on animals don't)
Free of banned phthalates


http://kids.woot.com/offers/benny-the-jumping-bull-6-colors
Daily Deals

woot! Coupons
g: 0 Posted By: DaysFan
Views: 132 Replies: 0 2 Pack: Zero Gravity Recliner Patio Pool Chairs - Black or Blue!$69.99$130.00/66% off
linkedZero gravity (or anti-gravity) chairs are designed with comfort in mind, so much so that that they're widely used not only as camping, patio and pool furniture, but also in beauty salons, offices all across the world and as a reflexology chair.


Get this 2 pack on sale now for only $69.99 + Free Shipping!Click Here For OfferFeatures / Benefits



Included is a removable / adjustable pillow, great for use as a headrest or for the perfect lumbar support
UV-resistant high quality breathable mesh fabric and a powder-coated steel frame for long lasting use
Angle lock allows you lock in several reclining angles from sitting up to the "zero gravity" position
Weight Capacity: 330 lbs, Chair
Included : 2 (PC) Deluxe Zero Gravity Chairs
Id-rack are try as much as accurate on color of image. No 100% guarantee on color as screen may slightly difference.


Furniture Deals

1Sale.com Coupons
Point of Sale - Advice and pointers
Added on : Sunday August 10th 2014 06:00:10 PM
g: 0 Posted By: kogerk
Views: 103 Replies: 0 I am aware that there are several small business owners on this forum. Can you please chime in your experiences with POS systems that you currently use. Currently we have a very basic (a $300 system from Office Depot) system that we are looking to upgrade.

I am looking for one in a retail store setting (C-store) with mostly basic requirements. Some features that we are looking for are charge accounts, pay outs (lottery), ability to add check cashing.

I am looking for advice on hardware aspects and also software aspects. I understand that most charge a monthly fee for support. How critical is to have this service. I am not sure what issues frequently arise.

We are reasonably comfortable in dealing with software/hardware.

Further, please provide some resources that provide honest reviews/comparisons. Most of them we encounter are promotional and we are not sure how much we can trust them.

Thanks for any input.
Discussion Deals
$10 off $50 Teavana purchase online; Plus, great sale prices already
Added on : Sunday August 10th 2014 04:00:04 PM
g: 1 Posted By: Skim1
Views: 310 Replies: 0 Teavana.com is currently having a great sale with almost 50 items currently at 30-50% off. Using code 10OFF50 gives you an additional $10 off a $50 purchase. Purchases $50 and up get free shipping, plus a free tea sample included with the order.

Haven't posted much, and nothing in quite some time. If I did something wrong please offer constructive criticism, not mean criticism.
Home & Garden Deals

Teavana Coupons
g: 0 Posted By: tedhawkins
Views: 149 Replies: 1 The Essentials of Reloading Collection + Handbook of Reloading Basics $42.99 + $4.99 Flat shipping

http://www.gearhog.com/

Deal Overview
The Essentials of Reloading Collection
Format: Collection

There are many valid reasons for choosing to reload your own ammunition. Among them is the simple fact that it saves on cost - handloading is cheaper. Another reason is that you can create custom ammo for each of your guns, which is not as accessible when using manufactured ammunition. Accuracy is also another great reason for taking the reloading route, and because you have the ability to create custom ammo for your firearms, you can tailor the loads to your needs for a particular hunt or competition.

Whether you choose to reload because it's cheaper or you're interested in creating custom ammunition, it's important to know what you're doing. Done incorrectly, handloading can be risky, but with the correct tools, equipment, and techniques, it can be a more than viable alternative to purchasing manufactured ammunition.

With The Essentials of Reloading Collection, learn how to reload ammo the right way for rifles, handguns, and shotguns. Get a helpful overview in The ABCs of Reloading, discover the steps and techniques for safely creating handloads, find out which equipment you'll need to complete the reloading process, explore Gun Digest articles on reloading, and much more. Get a more specific view with Reloading for Handgunners, in which you'll find out how to custom tailor your handgun loads and discover even more safe reloading techniques. If you also have an interest in utilizing and boosting the accuracy of your shotgun, dig in to Reloading for Shotgunners, in which you'll discover the basics of reloading and advanced techniques for shotguns, explore the latest handloading trends, and more.

Utilize the resources offered in this convenient value pack to master the art of reloading for several firearms, and prepare to save money and boost accuracy from your guns with custom ammunition in the process. Plus, while you're applying your newly learned reloading skills, you'll probably be more inclined to go shooting more often - and that's never a bad thing!

****

he Handbook of Reloading Basics by Robin Sharpless and Rick Sapp takes the mystery out of handloading your own ammunition, making it an accessible practice for anyone interested in the hobby. Utilize this reloading guide to ensure you're buying the right equipment and safely handling the components. Not only will this guide get you started in the practice of reloading ammo, but it will also be a useful reference to turn to again and again. Find out which basic tools and equipment you need to get started and get advice on press and accessory buys, component necessities, and benefit from step-by-step instructions for your first time at the press.

Broken up into separate sections for both metallic cartridge reloading and shotshell reloading, you'll get a thorough look at the practices for handloading each type of ammunition. Discover the basic fundamentals of reloading metallic cartridges, and then delve into more specific information about reloading bottleneck and straight-wall cases. Explore the shotshell reloading process for buckshot and slugs, and find out how to account for extreme temperatures when reloading shotshells. You'll also benefit from an included reference section full of reloading and component suppliers, extra tools that help streamline the reloading process, and specialty equipment for improving shooting and accuracy. Once you discover the reloading basics presented in this helpful guide, you'll not only find yourself better supplied with enough ammo to keep you on the range and practicing, but you may also find a way to improve your accuracy.


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g: 0 Posted By: jpessin3
Views: 75 Replies: 0 OfficeMax and Office Depot have the Brother DCP-7065DN all in one on sale for $99.99. This has a black and white printer, scanner, and copier with auto document feeder. What makes Brother all in ones the best out there is that they are lightweight and easy to move plus the cost of OEM toner is the cheapestof all manufacturers at $44 for 2600 pages at Amazon. (There is also generic toner out there but that is always a risk at much greater percentage of defective cartridges and quality varies greatly.)


OfficeMax http://www.officemax.com/technology/printers/laser-all-in-one-pr...

Office Depot http://www.officedepot.com/a/products/214647/Brother-DCP-7065DN-...


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Free Kindle Book - Making A's in College: What Smart Students Know
Added on : Sunday August 10th 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 66 Replies: 0 http://www.amazon.com/gp/product/B004OR1SLA

5.0 out of 5 stars (8 customer reviews)

When youre in college youre a time-manager, organizational expert, and money manager. Plus, of course, you must learnand remembera huge amount of new material.
And, you do have a social life!
Keeping all these balls in the air takes a lot of skill. Fortunately, this Kindle book presents an organized approach to both the support skills and the academic skills youll need. It's illustrated, up-to-date, and includes many useful, interesting live links for more helpful information and examples.
This book is not a textbook. Its a guidebook to success and its easy to read. Packed with proven, cutting-edge information, it gives you a simple, practical system you can put to use right now to make better grades.
It tells you WHAT to do and exactly HOW to do it as you learn to succeed in college.

Heres Some of What Youll Get From This Book
Youll quickly learn to:
Improve Your Memory
Take Great Notes in Class
Improve Your Concentration
Read Better and Remember More
Study the Best, Most Effective Way
Be Testwise on Objective and Essay Exams
Manage Test Anxiety
Overcome Procrastination and Control Distractions
Get Started on Difficult Projects
Get (and Stay) Organized
Manage Your Time

Youll also learn:
The proven BEST way to remember what you read
A useful tip for reading complicated textbook chapters
Strategies for remembering lists of all sorts
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Plus 21 MORE Study Strategies and Favorite Tips from Top Students
In the bonus section youll find 21 more useful ways to build your college success. And seven very successful college students reveal their best study tips.
All Dr. Gibsons tips are organized and easy to use. Some are simple while others are surprisingly counter-intuitive. But they they all work and they come from her extensive experience with university students of all kinds.
Making As in College is by a real study-skills expert, not just another freelance writer. Its easy to read, organized, and its immediately useful. Follow these tips and youll be surprised how much your grades can improve
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Free Kindle Book- Database Pro (was $19.95)
Added on : Sunday August 10th 2014 01:00:02 AM
g: 0 Posted By: remick
Views: 162 Replies: 0 http://www.amazon.com/dp/B00BDS2FFQ/

Learn SQL Server 2012 professional database design fast. Practical relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts, IT managers and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language such as Visual Basic, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 400 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.
Database design principles did not change much since the inception of RDBS technology in the 1970-s. Yet there are many IT installations with faulty database design which is very costly to the company. Good database design increases reliability, decreases development time and maintenance cost.
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Bose CineMate Series II $429.99 After $50 Manufacturer Discount
Added on : Saturday August 09th 2014 06:00:02 PM
g: 0 Posted By: mikie12345
Views: 33 Replies: 0 Both Costco and Sams Club have the the Bose CineMate Series II Digital Home Theater Speaker System on close out, Both offer free shipping and have limited inventory in some warehouses. Costco also has the Bose Acoustimass 6 Home Theater System bundle with Yamaha receiver for $749. It sounded nice but it's more that I wanted to spend. Sams Club also hasthe Bose Acoustimass 6 Home Theater System bundle but it includes a Pioneer receiver instead.

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

Don't confuse this system with the CineMate GS offering from Sears. That system has an advanced universal remote and Gemstone speakers, and the system is about $100 more.
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Wife and Child Moving to UK - Car Advice
Added on : Saturday August 09th 2014 02:00:06 PM
g: 0 Posted By: regularlurker
Views: 111 Replies: 0 Hello FWF,

I am in need quite a bit of advice spanning several topics. I will limit it to just one for this post. Of course FWF is the first place I turn. I've also found the Expat Forum, a great site (not affiliated), haven't posted anything there yet - but will about some other topics. So much going on with business and otherwise it will be good to get the collective unbiased opinions. So, thanks in advance

For business reasons, my wife and child are moving to the UK for a period of time - either ~6 months to 5 years or longer. I am staying in the US for I think at least 6 months. After that it is likely I will join them, or they will join me. It's not tax evasion or anything, this is just how the cookie crumbled.

We both have cars (completely paid for) values. My daily driver (according to KBB) would fetch $20k. Wife's (mom-mobile) would fetch $9k - both sales to private parties, again according to KBB if you believe that site.

My questions: Should I try to sell one of these vehicles, use the $$ to buy another vehicle in the UK for wife? Or, store one of them with a relative (it will be stored outside) and sell or keep it later once plans are firmed up? Meanwhile, lease a car in the UK, or borrow money in UK to buy a car? I have enough cash to buy a $10k or $15k used car but don't really want to do so. Would rather keep the cash as I may need it for other things (lots of uncertainty in the next 6 - 12 months). Or, some other things that are not listed above... ?

Thanks again!



Discussion Deals
g: 3 Posted By: remick
Views: 332 Replies: 1 http://www.amazon.com/dp/B00B853VB6/
4.9 out of 5 stars (19 customer reviews)

As they examine each familiar phrase of the Lord's Prayer, readers will uncover a profound framework for spiritual growth. In a reader-friendly, memorable style, David Timms points to Jesus's teaching on community, love for the broken and isolated, holiness in an age of profanity, dealing with the evil within, resisting temptations, and much more. This critically acclaimed book will appeal to all who desire to go deeper into spiritual formation, helping them taste the life-giving water that only Jesus can provide. The new discussion guide makes it a great book for small groups as well as individuals.


Can I Be Sure I'm Saved?
http://www.amazon.com/gp/product/B00428MY0U
4.6 out of 5 stars (89 customer reviews)

Many people in the church today are plagued by doubts about their salvation. Satan whispers that it is impossible that sinners such as they could be in a state of grace, and some churches compound the problem by teaching that it is possible for believers to lose their salvation. But assurance of salvation is possible in this life. Indeed, as Dr. R.C. Sproul argues in this Crucial Questions booklet, it is the duty of Christians to make their calling sure (2 Peter 1:10). To help believers reach this goal, Dr. Sproul defines assurance, shows how we can get it, reveals the blessings it confers, and warns of the dangers of false assurance. Here is assistance for those who struggle to know where they stand with Jesus Christ.



The Daily Walk Bible NLT: 31 Days with Jesus
http://www.amazon.com/gp/product/B00FEOFT0S
4.7 out of 5 stars (218 customer reviews)

Most people agree that Jesus was an amazing teacher and someone we could all learn from. At the same time, most of us have spent little time actually reading his story. The Daily Walk Bible NLT: 31 Days with Jesus is an open invitation to do just that. In just one month you will read through all four gospels, seeing Jesus and gaining insight into his purpose and message for us.
This special eBook, taken from the pages of The Daily Walk Bible, includes a simple reading plan to help you through. Each day includes an Overview that provides a birds-eye view of that days reading, an inspirational and practical My Daily Walk devotion, and an Insight that offers an interesting fact about the passage. Every seventh day you will be invited to pause and reflectlooking back over what you have read, looking forward to what is coming, and most importantly looking up to God.
Its that simple, but be warned, Jesus has been changing lives for two thousand years31 days and yours wont be the same either.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (134 customer reviews)

Who was Jesus? What did he say? What did he do? This book is all about Jesus. It puts together the story of Jesus' life and message told by the people who knew him best--his disciples and friends--as recorded in the four Gospels of the Bible. Although the words were written over 2000 years ago, his message of peace, hope, love, and forgiveness still resonates with people of all races, nationalities, educational, and economic backgrounds. Some like what he said, while others disagree, but almost everyone finds him compelling. The story of Jesus comes to us from four different authors, Matthew, Mark, Luke, and John, written over a period of nearly seventy years. The message and uniqueness of Jesus remain the same, but each author tells the story from his perspective and for his purpose. Some writers wrote more; others wrote less. But what if we could read it as one single story from beginning to end? This book does just that by combining the four reports of Jesus' life into a single chronological story, using the easy-to-read text of the NIRV Bible. Take a new look at Jesus-- his life, his miracles, and his teachings--and to come to your own conclusions about the carpenter from Nazareth.
This book was produced in collaboration with Biblica (formerly the International Bible Society).



Who is the Holy Spirit? (Crucial Questions Series Book 13)
http://www.amazon.com/gp/product/B00AW02OZ2
4.4 out of 5 stars (150 customer reviews)

In this Crucial Questions booklet, Dr. R.C. Sproul cuts through the confusion by going back to the Bible. He establishes the biblical teaching on the Spirits identityHe is one of the three persons of the Godhead, along with the Father and Sonthen briefly sketches some of the most basic yet important roles the Spirit carries out. He shows that the Spirit gives new life to unbelievers, then sanctifies, strengthens, teaches, and anoints them for ministry. This booklet provides a basic understanding of the divine person on whom Christians very lives depend.



Five Lessons from the Carmelite Saints That Will Change Your Life
http://www.amazon.com/gp/product/B00DBBA1BS/
4.6 out of 5 stars (99 customer reviews)

Are you new to the Catholic spiritual life? Stuck in a rut? Not sure how you can grow closer to God? Five Lessons from the Carmelite Saints That Will Change Your Life will give you direction. St. Teresa of Avila, St. John of the Cross, and St. Therese of Lisieux will show you five vital steps you need to take to be holy.
You can read Five Lessons from the Carmelite Saints That Will Change Your Life in one sitting, then reflect on its teachings for a lifetime.
Now includes the Introduction from Connie Rossini's full-length book, Trusting God with St. Therese!



The Walk of the Spirit - The Walk of Power: The Vital Role of Praying in Tongues
http://www.amazon.com/gp/product/B00ARFNII4/
4.9 out of 5 stars (244 customer reviews)

Right now there is only one book available by Dave Roberson, but it is a book used by God to transform believers' lives in extraordinary ways.
If you want your life to change, or if you just want to increase your understanding about this phenomenon of praying in tongues, read "The Walk of the Spirit - The Walk of Power."



Foundlings (The Peleg Chronicles, book one 1)
http://www.amazon.com/gp/product/B0073EXXO6/
4.6 out of 5 stars (103 customer reviews)

Awarded Best Book of the Year 2010-2011 from The Old Schoolhouse Magazine!
#1 Bestseller in Historical Fiction from Christian Book Distributors Spring 2011!
#1 Bestseller in Fantasy from Christian Book Distributors Summer 2012!
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My Company doesn't pay my variable bonus at the time of relieving.
Added on : Saturday August 09th 2014 07:00:10 AM
g: -1 Posted By: AjayKumarNanna
Views: 36 Replies: 0 I had a contract of 2 years & after completion of m 1st year My salary was revised to 3,60,000 out of which 3,36,000 was fixed salary & remaining 24000 was variable bonus which would be payed upon the performance of company & individual. My company did well & so do I, But mean while I got very good offer where I have a chance of learning so much while I work, So I resigned here & My notice period was 2 months.

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

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

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

I need help, Kindly Please suggest me what to do......
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g: 0 Posted By: linrick
Views: 311 Replies: 4 Plus Members Save at the VIP Savings Event (much like BF)

Sunday August 17 7p.m. - 9p.m.

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g: 0 Posted By: remick
Views: 78 Replies: 1 ULTIMATE Leonardo da Vinci Artwork Collection! 200+ Paintings, Drawings, Inventions, Portraits, Virtual Fine Art Museum
http://www.amazon.com/gp/product/B00A7YP70W

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

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

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




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

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

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

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

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




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
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900 Amazing Tribal Tattoo Designs 700 X 700!

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

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

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

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

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

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

As many tattoos were stimulated by Polynesian and Japanese examples, amateur tattoo artists were in great demand in port cities all over the world, especially by European and American sailors. The first documented professional tattoo artist in the USA was Martin Hildebrandt, a German immigrant who arrived in Boston, Massachusetts in 1846. Between 1861 and 1865, he tattooed soldiers on both sides in the American Civil War. The first documented professional tattooist in Britain was established in Liverpool in the 1870s. Tattooing was an expensive and painful process and by the 1870s had become a mark of wealth for the crowned heads of Europe.
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g: 0 Posted By: linrick
Views: 154 Replies: 0 Plus Members Save at the VIP Savings Event (much like BF)

Sunday August 18 7p.m. - 9p.m.

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

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

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

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


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

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

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

We have not received any estimate of charges at our address.
Question Deals
Starting a new App Business, Delaware or Maryland?
Added on : Friday August 08th 2014 05:00:07 AM
g: 0 Posted By: technolich
Views: 30 Replies: 0 So I'm in the process of starting a new LLC for an App I am working on with two partners that we are planning to launch in a few months.

Currently I live in Maryland with my partners both being in Virginia, I am trying to figure out whether to incorporate as an LLC in Maryland or Delaware.

From everything I've read Delaware is more business friendly but the drawback is that for most companies you need to register as a foreign entity in Maryland.

Would that still apply as an App company? Can't I just get a PO box in Delaware with mail forwarding so that I can get a business bank account in Maryland?

How much trouble would I get in for promoting my App in Maryland without a foreign entity certificate? They seem pretty expensive and make you jump through a bunch of hoops.

Should I just incorporate the LLC in Maryland? I see a lot of back and forth about incorporating in the state you reside versus Delaware and neither seem to have an edge, even though most businesses are in Delaware.
g: 6 Posted By: masterox7737
Views: 1408 Replies: 3 Google Play $1.99 Albums (Rihanna/Nirvana/Kanye/Kendrick/Katy/Jason Aldean)

Rihanna - Talk That Talk (Explicit) + "We Found Love" for free : https://play.google.com/store/music/album/Rihanna_Talk_That_Talk...

Nirvana - Nevermind + "Lithium" for free: https://play.google.com/store/music/album/Nirvana_Nevermind?id=B...

Kendrick Lamar - good kid, m.A.A.d city (explicit) + "Bitch, Don't Kill My Vibe" for free: https://play.google.com/store/music/album/Kendrick_Lamar_good_ki...

Katy Perry - Teenage Dream (Explicit) + "Teenage Dream" for free : https://play.google.com/store/music/album/Katy_Perry_Teenage_Dre...

Kanye West - Yeezus (Explicit) + "Bound 2" for free: https://play.google.com/store/music/album/Kanye_West_Yeezus?id=B...

Jason Aldean - My Kinda Party + "My Kinda Party" for free: https://play.google.com/store/music/album/Jason_Aldean_My_Kinda_...

Daft Punk - Discovery +"One More Time" for free : https://play.google.com/store/music/album/Daft_Punk_Discovery?id=B4t6yqqvhnb2hy4st4uisjrcsrm&hl=en

Sigh No More - Mumford & Sons : https://play.google.com/store/music/album/Mumford_Sons_Sigh_No_More?id=B3l77a2np6o667gra75nu2wsyjq&hl=en

Deadmau5 - Random Album Title : https://play.google.com/store/music/album/deadmau5_Random_Album_Title?id=Bp3idmlbbiz5ulkfzd7hq5ifzae&hl=en

Emimem - The Marshall Mathers LP : https://play.google.com/store/music/album/Eminem_The_Marshall_Mathers_LP?id=Bez2kuejnmwtywvccmargnjuo2y&hl=en

Linkin Park - Hybrid Theory : https://play.google.com/store/music/album/Linkin_Park_Hybrid_Theory_U_S_Version?id=Bvj27zbdf7rh6irckwito4hgdty&hl=en

Like Bryan - Spring Break... here to party : https://play.google.com/store/music/album/Luke_Bryan_Spring_Break_Here_To_Party?id=Bfmz47weo6e3rqduomow3b5lmy4&hl=en

Hunter Hayes - Hunter Hayes : https://play.google.com/store/music/album/Hunter_Hayes_Hunter_Hayes?id=B2suiwytksedara2d4lzizd2uwi&hl=en

Strange Talk - Cast Away :https://play.google.com/store/music/album/Strange_Talk_Cast_Away?id=Blgg774pfgi36wxednkegrq5kfi&hl=en

Kaskade - Atmosphere : https://play.google.com/store/music/album/Kaskade_Atmosphere?id=Bkjv6ylwvmpwg737suk3kgwrfta&hl=en

Justin Bieber - Believe: https://play.google.com/store/music/album/Justin_Bieber_Believe?id=B5rzhysqrfg7pgq3ddzn6hbgb6m&hl=en

Some of these albums are at their lowest price point I've ever seen. Get 'em while they last!

The songs "Royals" by Lorde, and "Hold On, We're Going Home" by Drake are also free.
Music Deals
g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/The-Twenty-Piece-Shuffle-Poor-Other-ebook/...

In the dark corners of the inner city, the most destitute people in society are searching for anything to numb their hurting souls. And there are some who display the most extreme mix of need and anticipation: the twenty-piece shuffle, a jittery walk marked by wide-eyed desperation, named after the street tag for a piece of crack cocaine.

But the addiction to whatever will numb a troubled spirit is not confined to the streets. Suffering is not bound by social class, and pain is not held at bay by white-picket fences. In a wealthy society that equates money with happiness, we often remain unaware of our own addictions -- the things we chase to sooth our spirits. And while our need may not be as visible, it is no less real.

Greg Paul believes that the rich, the impoverished, and everyone in between can learn much from each other if they're willing to walk together. Join Greg as he takes a look at a remarkable paradox, where the poor can miss their blessedness while the wealthy overlook their own desperate needs, and reveals why God has always called the wealthy and powerful to care for people who are poor or excluded.
Books Deals

Amazon Coupons
How much $$$ to feel rich in Nj/NYC (2% problems)
Added on : Thursday August 07th 2014 02:00:11 AM
g: 0 Posted By: newnorley
Views: 12 Replies: 0 Following on from the, 'why do people blow money' thread.

How much do you need to earn to feel rich in Northern NJ / NYC? Me and the missus are going to earn $200k this year and I still feel like we're scraping by! I take lunch to work, rarely buy coffee etc. Don't have much debt, mortgage, car and student loan payments work out at $3600 per month, also max one 401k and one roth. I feel like I should be able to buy a latte from starbucks most days or spend $300 on a fancy dinner once a month. But we still feel like we're just making ends meet. I'm not use to an extravagant life but I always imagined once I hit this earning level I would have a lot more play money.
General Economics Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

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

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

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
g: 0 Posted By: DaysFan
Views: 72 Replies: 0 Garden Concerts for Kids is a free outdoor music series for kids and their families in the Getty Center's Central Garden featuring some of the best children's musical artists from across the nation.

Please feel free to bring a picnic blanket, but lawn chairs are not allowed.


Garden Concerts for Kids: Shine and the MoonbeamsSaturday August 9, 2014 4 pm - 5:30 pm
Central Garden, Getty Center
http://www.getty.edu/visit/cal/days/08092014.html

Soulful singer-songwriter Shawana Kemp and guitarist John Heagle introduce the sounds of classic funk, soul, blues, and jazz music to enthusiastic children as Shine and the Moonbeams. With infectious rhythms, catchy melodies, and positively empowering lyrical themes, their songs encourage kids to celebrate life and get up and dance!

Learn more about Garden Concerts for KidsDate/Time
Date(s) - 08/09/2014 - 08/10/2014
4:00 pm - 5:30 pmLocation
Getty Center
1200 Getty Center Dr.
Los Angeles, ,Free admission4-5:30 p.m. Aug. 2-3, Central Garden, The Getty Center, 1200 Getty Center Dr., L.A. This New York City-based band will brighten up your day as they blend soul, funk, jazz and blues into a energetic set of music. (WS)Shine and the Moonbeams exploded on to the family music scene in 2011, bringing a brand new R&B sound to the genre and introducing the sounds of classic funk, soul, blues, and jazz music to enthusiastic children. They are singer-songwriter Shawana Kemp and guitarist John Heagle, two New York musicians who have performed in varied genres from Musical Theatre to the circus. They combine their unique perspectives to create a soulful musical extravaganza that captures the sweetness, uncertainty, and simplicity of youth. Their self-titled debut album was released in 2013 to much acclaim and excitement. With infectious rhythms, catchy melodies, and positively empowering lyrical themes stemming from Kemp's experiences as a schoolteacher and mother, their songs encourage kids to celebrate life and get up and dance!
Car rear-ended, most likely totaled-Need advice
Added on : Wednesday August 06th 2014 01:00:12 PM
g: 0 Posted By: ShakuniMama
Views: 172 Replies: 1 I was in an accident last week where our car (Honda Accord 2002) was hit from behind while slowing down for red light on a city road.
I managed to steer my car to the sidewalk and managed to avoid hitting the car in front.
The driver of the car behind me hit our car so hard that it is most likely being totaled.
Air bags did not employ and seat belts did not tighten so both of us were thrown forward with the impact but did not hit the dashboard.
Hewas probably texting as the only explanation I could think of as to why he accelerated instead of applying brakes.

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

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

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

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

Thank you for reading.
Question Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00C4CF03E/

4.4 out of 5 stars (22 customer reviews)

Understanding DSLR Lenses will painlessly provide help and insight into the often confusing and intimidating world of DSLR Camera Lenses. The ability to change lenses is one of the greatest strengths of the DSLR camera but Lens Selection requires some insight. If you get serious about photography, you will spend much more money on Lenses than Cameras. The good news is that Lenses retain their value over decades and can often be used on with each new camera release. Some Lenses designed for film cameras can still be used on their digital counterparts. A wise Lens purchase will dramatically improve the quality of your images.

Digital Cameras dont have to be intimidating. The underlying principles are surprisingly simple but rarely presented in laymans terms. Like any other area of specialization, photography has its own language. Fortunately, you only need to understand a few of terms and concepts to get started.

This guide to PHOTOGRAPHY BASICS builds a solid foundation of photographic knowledge with easy-to-follow discussions of everything that you need to know in order to get started with confidence. Every photographic term used in the book is clearly defined and thoroughly explained. All terms are also highlighted by using BOLD CAPS so that you can easily find them again to refresh your memory.

This Photographic Guide will take the mystery out of digital cameras, camera choices, and Photographic Jargon.

This book is filled with charts, illustrations and photos that take the discussion to new levels. You will not only understand the terminology and techniques discussed, but you will have a much better understanding of how your camera works and what is actually happening when you make adjustments. The charts and photos should help you to retain what you learn and put it to good use immediately.
Totally Free Deals
California Rental Issue
Added on : Tuesday August 05th 2014 11:00:08 AM
g: -4 Posted By: coolcomp
Views: 161 Replies: 2 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

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

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

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

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

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

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?
Question Deals
Aravon Charlotte Women's Sandal $34.99 @ Joe's New Balance
Added on : Tuesday August 05th 2014 12:00:04 AM
g: 0 Posted By: ctgolfer
Views: 119 Replies: 0 shipping adds $6.95

Dont be fooled by its laser etched hardware buttons and decorative sidewall stitching. With its removable, cork-like EVA footbeds, N-ERGY comfort pods and adjustable straps, the Charlotte is one slide sandal that is as much substance as it is style.



ABZORB cushioning in the midfoot provides exceptional shock absorption
Adjustable hook and loop closure allows for personalized comfort and fit
Microsuede Lining
Decorative sidewall stitching provides detail styling
Quality PU outsole with arch support and heel cup
Sheepskin and textile footbed cover
Removable Cork, EVA and Memory Foam footbed
Full-length N-ERGY provides NB's most advanced shock absorption and cushioning
Uppers include metallic and goat leathers
1 5/8" Heel Height
Color: Black
Weight: 8.7 oz


www.joesnewbalanceoutlet.com/detail.asp?style=AAL08BK
Shoes Deals

Joe's New Balance Outlet Coupons
g: 0 Posted By: gtdguy
Views: 176 Replies: 14 Hey Guys,

First time poster here, I just found this by chance searching for business loan stuff, and realized what a cool community you have here. I thought I'd give it a shot and just lay my situation out here.

I've been doing business online for about 10 years now, always trying new businesses, doing new things, narrowly missing huge opportunities etc. I've single handedly been behind projects that have made millions, but I didn't have a big cut, and went years in between without making any money. I started a new business, and I'm positive this is my window. I've tweaked my business, and its currently able to double money in 60 days, sometimes it even does 150% roi. I get paid from famous vendors, people that banks would trust.

Here's the issue: You can't just throw all your money in at once, it has a bunch of tedious logistics associated with it, and it takes months to ramp up. I'm hiring people to help with this, however because the business takes money to make money, and my resources are limited, I'm hiring overseas to keep things cheap. I'm realizing now that there is a window on this opportunity, and I'm positive I could be making millions if I push hard and fast. I need to hire talented, smart people who can think for themselves, are motivated and can help take responsibility for things. To do this, I either need to recruit them with equity, or pay them (which If I paid them, I wouldnt have money to put in the business).

So my first thought, is that I would love to borrow money. I've got excellent credit, and I'm pretty sure my bank thinks I'm a high value customer, despite balances being a bit low now. What are my options? I'm worried my bank wont understand my business, its not exactly easy to understand, and in their eyes maybe they'll see it as risky. But I've got it figured out, its a system, it can grow, and it can be huge. And with these returns, interest rates on loans are silly. So does anyone have advice on how to go about getting loan? Is there anyway I have to present it to make sure I get a loan? Unfortunately I only have history with one bank, if they don't give it to me, I'm not sure how I convince the others. Maybe It's just me thinking small.

But I could really use some other brains on this, what should I do? I feel like I've figured out the hard part, and I want to focus on improviin gthat, but instead im stuck in a game of optimizing and being efficient with cashflow, when the real game should be trying to dump as much as possible in this, and improve the roi and terms at which im paid.

I know its alot, but thanks for reading if you've got this far.
New User Question Deals
Blue Iris Professional Surveillance Software $34.99 - FS
Added on : Monday August 04th 2014 08:00:07 AM
g: 1 Posted By: diskwzrd
Views: 212 Replies: 2 Newegg has the Blue Iris Professional Surveillance Software on sale for $34.99.


This is one of the best IP Cam software packages and is usually $45-$50. Even with the current code for the Foscam site (5% off), this is still a much better deal.


http://www.newegg.com/Product/Product.aspx?Item=9SIA1R212P0708
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First Invesment Property
Added on : Sunday August 03rd 2014 08:00:09 PM
g: 0 Posted By: BenFranklin
Views: 34 Replies: 0 I live in the cheaper part of the country. I want to buy my first investment rental property, but I don't want to put too much down.

If I purchase a property for own occupancy, I can get away with a 5% loan (I know PMI, blah blah...).

However, my understanding is that if I were to buy a property with intention of renting it out, the bank will require 20-30% down.

Hypothetically if I don't tell the bank at the time of purchase that I intend to turn it into a rental, and I do it later on. Is there usually a clause in the loan contract that allows the bank to VOID THE LOAN?

Thanks in advance!
Real Estate Deals
Aluminum Commercial Stack Chaise Lounge at Sam's $46.81 YMMV
Added on : Sunday August 03rd 2014 03:00:02 PM
g: 0 Posted By: Brew
Views: 123 Replies: 0 My wife has been watching these chase lounge chairs at Sam's all summer. They are normally $120, but if you order on line and pick up in store, the price can be much lower. For giggles I checked the chairs online last night and they were out of stock at my closest Sam's, but when I checked a few more stores, a few had them in stock for as low as $46.81. One store had them for $70, one for $99.

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

http://www.samsclub.com/sams/alum-sling-chaise/prod11740023.ip?s...
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Canon Pixma MX922 All-in-one $89.99 after coupon @ Staples
Added on : Sunday August 03rd 2014 11:00:04 AM
g: 0 Posted By: landenpc
Views: 346 Replies: 2 Staples has this printer in their weekly ad for $99.99, and on the same page is a coupon for $10 off any advertised Canon inkjet printer. Good through Saturday 8/9/14.
Link
coupon code is 84752 for online or phone ordering

4-in-1: print, copy, scan, fax
Network Ready; Ethernet, Wireless LAN (IEEE 802.11b/g/n), PictBridge (Wireless LAN), Bluetooth v2.0 (Optional) and USB 2.0 Hi-Speed connectivity
Automatic Duplexing (2-sided printing)
9600 x 2400 maximum color dpi4 produces incredible quality and detail in both your business documents and photos
Print a borderless, 4" x 6" photo in approximately 21 seconds
My Image Garden software makes organizing and printing your photos fun and easy with great facial recognition, Fun Filters, Calendar Organization, Automatic Layout Suggestions and so much more!
Easily copy, scan and fax multiple documents without having to load them one page at a time
Full HD Movie Print software turns your favorite HD movie clips captured with compatible Canon EOS Digital SLR, PowerShot cameras or VIXIA camcorders into beautiful prints
Quickly and easily scan your documents and papers from your printer or scanner. Evernote will make your documents searchable, so you can always find what you need at anytime, on any device.
The EasyPhoto-Print app lets you wirelessly print and scan jpg and pdf files from compatible iPad, iPhone, iPod touch, and Android devices
Plug the cable into your PC for a super-fast connection for your data transfers

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QVC.COM $599 HP 15" Laptop AMD A10 Quad Core 8GB RAM 1TB HD
Added on : Sunday August 03rd 2014 06:00:02 AM
g: 0 Posted By: DaysFan
Views: 30 Replies: 0 linkedhttp://www.qvc.comHP 15" Laptop AMD A10 Quad Core 8GB RAM 1TB HDitem # E226387Retail Value: $2,173.56QVC Price: $699.00Today's Special Value Price:$599.94Good until August 4, 2014 2:59 a.m. ETFree ShippingEasy Pay! 6 Installments of $99.99, plus Tax.See Easy Pay detailsFrom homeroom to home office, dorm room to living room, the popular HP Pavilion 15-p045nr laptop has the features and performance your family needs for school, work, and play.

The powerful AMD quad-core A10-5745M APU processor is coupled with 8GB RAM to handle all your family's everyday tasks. And with the massive 1TB of storage, you have plenty of room for all your files, photos, videos, and music.

Rock out to your favorite tunes and hear every nuance of movie and game soundtracks, thanks to Beats Audio dual speakers. And the 15.6" diagonal HD display gives you crystal clear views on everything from online chats to binge-watching your favorite streaming TV series.

What's in the box? Laptop, 4-cell li-ion battery, AC adapter.

From HP.

Plus, you receive a PC Treasures suite with everything you need to get started! (Ships separately.)

Enjoy the peace of mind provided by Trend Micro Titanium AntiVirus and Premier PC Support--both for the for the life of the computer.

The software suite also includes Adobe Photoshop Elements 12, Digital Scrapbooking with Photoshop Elements, Laplink PC Mover Professional 8, a $50 PrinterPix voucher, and much more.

Wireless capability may require network connection, accessories, and/or a service fee.

Consult manufacturer's documentation regarding the safe and proper use, handling, storage, charging, and disposal of products containing lithium-ion batteries.

Includes Pavilion 15-p045nr laptop, 4-cell lithium-ion battery, AC adapter, Quick Set Up Guide, and software suite (ships separately)
2.1/2.9GHz AMD quad-core A10-5745M APU processor
15.6" diag. HD BrightView WLED-backlit display with 1366x768 resolution
8GB DDR3L SDRAM 1 DIMM
1TB 5400 RPM hard drive with HP ProtectSmart hard drive protection
Beats Audio dual speakers
SuperMulti DVD burner
1x1 802.11b/g/n Wi-Fi
AMD Radeon HD 8610G graphics with up to 4224MB total memory
HP TrueVision HD webcam with integrated digital mic
Full-size island-style keyboard with numeric keypad
Multi-gesture HP Imagepad
10/100 Base-T ethernet
SD card reader
Two USB 3.0 ports
USB 2.0, HDMI, RJ-45 ports
Headphone out/mic in jack
Windows 8.1
Model numbers vary by color; purple model number is 15-p045nr
Cannot ship to VI, PR, Guam, or P.O. boxes
Closed, measures approx. 1" x 15-1/8" x 10-1/4", weighs 5.02 lbs
UL listed adapter; 1-year Limited Manufacturer's Warranty
Imported







Best way to move funds out of the USA?
Added on : Saturday August 02nd 2014 09:00:08 PM
g: 0 Posted By: deeder
Views: 63 Replies: 1 Looking to move out all my funds from the USA and move elsewhere. Possible candidates include Israel, Cayman Islands, and others. What happens depends on future circumstances as to which nation but I am leaving the USA and will not be coming back due to a horrific experience here, somewhere I can have a much better quality of life and a much better class of people and be outside the USA proper.

Thanks.


Discussion Deals
Acer C720 11.6" Chromebook (Refurbished) for $129.99 at groupon
Added on : Saturday August 02nd 2014 08:00:04 PM
g: 1 Posted By: cutaoden
Views: 79 Replies: 0 Acer C720 11.6" Chromebook (Refurbished) for $129.99 at groupon

In chromebook, HP and Acer are much better than Samsung
Laptops Deals

Groupon Coupons
g: 0 Posted By: jskins
Views: 175 Replies: 1 Home Entertainer 77-Quart Rolling Party Cooler- $112.15 with free shipping at Amazon. This price very low, but the reviews are not the best 2.9/5 stars based on 35 customer reviews. I thought I would put it up because it is still selling for much less on Amazon than anywhere else.

Heavy duty wheels
Locking wheels
Steel legs and body
Portable steel base
Twist-off drain plug
Bottle opener and cap catcher
Capacity to hold 100 12-ounce cans
Keeps beverages cold for up to 3 days

The next lowest price for this item fro a rated merchant on Google Shoppingis $139.99.
Home & Garden Deals

Amazon Coupons
Samsung Galaxy Light 4G LTE Smartphone $100 at T-mobile.com
Added on : Saturday August 02nd 2014 05:00:05 PM
g: 0 Posted By: peterl1365
Views: 72 Replies: 1 T-Mobile Galaxy Light

The price on this dropped from $200+ on the Tmobile site. This phone has sold for $99-170 at various web retailers (Newegg, Amazon, HSN, QVC) over the last 6 months.

My family has been using 3 of these phones for the last 6 months, and it is a perfectly serviceable smartphone. It's obviously got some deficiencies, but it's better than any other $100 phone currently on the market, IMO. At the very least, it's a decent backup phone to have lying around in case something happens to your primary. It's gotten very decent reviews.

This phone is being replaced with the newer Galaxy Avant which has a slightly bigger screen and newer OS (KitKat). No idea how much inventory T-Mobile has, so this deal might last a day or a month. It might even get cheaper, but it's obviously impossible to predict.

I wish this price was available a week ago when my daughter dropped hers in the toilet. We purchased a replacement for $120. I knew the Avant was coming, but wasn't sure when, so we couldn't afford to wait.

This is also a good deal for a family that might be upgrading from feature phones, as T-Mobile's service for voice/text/data is about the same as what I was paying verizon for just voice and text.

Cell Phones Deals

T-Mobile Coupons
g: 3 Posted By: VivYip
Views: 556 Replies: 5 credit techbargains

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

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

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

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

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

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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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

Tiger Direct Coupons
g: 0 Posted By: VivYip
Views: 227 Replies: 1 credit techbargains

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

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

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

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

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

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

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

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

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

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

Tiger Direct Coupons
g: 1 Posted By: remick
Views: 126 Replies: 0 http://www.amazon.com/gp/product/B00LNE6V14/

Before you pull out the lawn mower or sign up for the lawn mower service, grab a copy of this book to get insight on a strategy that will allow you to efficiently earn the best lawn in the neighborhood and that will keep you from wasting time and money on losing battles.

Among the variety of books on lawn and garden, it has been impossible to find one that combines a concise strategy and actionable tactics with clear photographs of the weeds that are causing your lawn care problems. That gap has now been filled.

How do you come up with a schedule for lawn feeding?
When do you apply feedings to your lawn?
What do forsythias have to do with anything?
Do pre-emergent applications only apply to crabgrass?
Is your lawn supposed to be a pleasure? or a master?

These are some of the questions addressed and answered in a short, targeted text of the NC WEED KILLERs strategy for lawn care and weed control.

Then there are 31 full color close-up photographs in the Rogues Gallery of common weeds. Knowing what you are up against allows you to pick the best strategy and Target the best weed control herbicide.

Luckily, landing in the 7c zone of North Carolina, the NC WEED KILLER has been able to document the weeds that have been creating problems from New York to Georgia, from North Carolina to The Pacific Northwest. And, he has been able to work out the best ways to combat those weeds- and win!

With the books available made so large to attract publishers, and so complex that there is too much information, the home gardener has been left without clear guidelines and a concise strategy. With hardcover volumes so large and with those little web site thumbnail pictures on your computer, getting the information out into the garden for good side by side comparison has been difficult, if even possible. Pick up your 8 x 8 copy of A Photo Handbook to Weeds and head for the yard!

A simple plan, portable information, and actions that arent going to rob all your time and money. You are looking at the answer you have been looking for.
Books & Magazines Deals
g: -2 Posted By: Strogonowski
Views: 171 Replies: 0 Free shipping, 4 colors to chose from, few hours left.. In my book much better phone then Nexus 5 (I own both Nexus 4 and 5) for this particular price...
http://www.ebay.com/itm/Samsung-GT-I9500L-I9500-Galaxy-S4-Factor...

Cell Phones Deals

eBay Coupons
Services to send money using your credit card besides Paypal
Added on : Thursday July 31st 2014 02:00:06 PM
g: 0 Posted By: Brody44
Views: 149 Replies: 2 Hi guys,

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

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

It's such a simple basic service, I can't believe paypal and google wallet would be my only options?
Thanks!
Credit Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 Matterhorn 1998 Mens 8 Inch Waterproof Non-Insulated Lace to Toe Boots, Black
Features:
Water-Resistant, Breathable Full Grain Leather
Cordura Nylon
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable Polyurethane Cushioned Insert
Non-Metallic Shank
Vibram Sierra Rubber Outsole
Goodyear Patented Flex-Welt Construction
Cambrelle
Cordura
Gore-Tex
Vibram Sierra - Black

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

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

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

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

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

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

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

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

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

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

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

www.ebay.com/itm/201138334610
Shoes Deals

eBay Coupons
g: 0 Posted By: MISTERCHEAP
Views: 100 Replies: 0 http://pages.email-petsmart.com/coupons2014?g=6e33a451-2f8c-401b...

use coupon above to get $15 total savings, as much as 50% off reg price!!


Pets Deals

PetSmart Coupons
g: 0 Posted By: homersaysdoh
Views: 197 Replies: 0 Sharknado

Sharks Are Flying at Your Head at 300 mph.
How Will You Survive?

In the apocalyptic world we live in, Mother Nature is angry. Danger waits at every turn, and catastrophes like the Los Angeles sharknados have taught us that we need to be ready for anything. Too many lives have already been lost.

But fear not. How to Survive a Sharknado and Other Unnatural Disasters is the first and only comprehensive guide to surviving the very worst that Mother Nature can throw our way. Inside this life-saving reference, you'll find:
Vital information about dozens of unnatural disasters and ungodly monsters that can injure, maim, or kill you, from arachnoquakes and ice twisters to piranhacondas and mega pythons;
Easy-to-understand survival tips for avoiding a bloody demise;
Inspirational words of wisdom from survivors, including Fin Shepard and April Wexler;
Useful resources, such as the Shepard Survival Assessment Test (S.S.A.T), and much more.
With this essential book in hand, you too can be a hero who laughs in the face of calamity while saving friends and family. Or you can just avoid getting savagely ripped apart by a sharktopus. Either way, you've been warned. Now be prepared.


Books Deals

Amazon Coupons
Not many REALLY understand inflation.
Added on : Wednesday July 30th 2014 01:00:10 PM
g: -2 Posted By: nicj4070
Views: 113 Replies: 4 Inflation is calculated the same way as compound interest. when prices double, on the average, every 15 years, you're averaging 5% per year of inflation, in ALL "investments' or expenses that are calculated in US $ AND, if you get pay raises = to the rate of inflation, the increased pay quickly puts you into a higher tax bracket. Not only are you losing due to price increases, but you are also losing due to the increased taxes (assuming that you ARE getting that much increase in pay, which is quite rare, actually.
Discussion Deals
everything you buy costs 2-3x as much as without SS, taxes
Added on : Wednesday July 30th 2014 01:00:09 PM
g: 0 Posted By: nicj4070
Views: 0 Replies: 0 Say you buy a car. car's require steel. steel is made from iron ore and coal. Do the people who mine those pay ss and taxes? Yes the do, so do the people who ship those things to the steel plants. do the steel workers pay ss and taxes? of course, so do the people who ship the steel to the car maker. do the carmakers pay ss and tax? sure, so do those who ship the car to the dealer, and so do car dealers, and then YOU PAY FOR ALL OF IT when you buy the car (with money that you've paid ss and taxes on ). If you don't believe me, check prices( on the same stuff you buy here) in China, or Taiwan. You're getting shafted, big time all the time, and you don't even realize it.
u truly CAN 'marry money".
Added on : Wednesday July 30th 2014 01:00:09 PM
g: -2 Posted By: nicj4070
Views: 80 Replies: 1 Thousands of 3rd world MD's, engineers, Physicists, etc, will do pretty much anything to become US citizens. Each one of them can get 20k per year of loans, grants and scholarships until they get a bachelor's degree from a US college, and then they get 40 k per year for 2 years, to get a master's degree. Since many of them can earn 200k per year, they could not care less that they end up owing 100k by the time they are Citizens (which takes 5 years, minimum) Of course, you have to know how to protect your stuff by having a Nevada corporation own it, and you have to be careful who you choose, but it can be done, and very little money and no special ability, training or education is required. If you care careful where they go to school, it costs 5k per year up to the bachelor's degree, 10k per year from bachelor's to a master's degree. They can only go half time, cause you'll have them working full time, at some lesser (but still well paid) job. they can't divorce you right at the 5 year mark, either, cause that will get Immigration looking and having them deported anyway, as the marriage being a "sham". So, basically, you can have 25-30k per year, cash, untaxed, per year, for 5-6 years. If you can't figure out a way to retire on that much of a head start, I feel for you.
Discussion Deals
g: 0 Posted By: RhizzleBop
Views: 86 Replies: 3 I've done the reading and research on borrowing from a 401k And how its generally a bad idea.
I get that the opportunity cost of the money not being there is potentially a big hit. I'm torn as to whether double taxation is a myth or not as I'm not sure when you're paying back the loan if it comes out pretax or not.

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

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

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

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

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

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

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

Discussion Deals
ETFs vs Mutual Funds
Added on : Wednesday July 30th 2014 03:00:06 AM
g: 0 Posted By: BrunoB
Views: 46 Replies: 0 What are pros and cons?
Example: ETFs are superior over MFs except for those ETFs where the insufficient liquidity masks the load with a spread on bid-asked, and the fees and expenses eat up much of the earnings.
General Economics Deals
Help Dividing Home Equity between 3 People
Added on : Tuesday July 29th 2014 02:00:05 PM
g: 0 Posted By: TacoSmith
Views: 123 Replies: 10 Hello FWFers. I need help finding a formula to divide up the profit from selling a house between myself, my wife, and her sister. I would love your assistance in finding a fair way to divide up whatever profit we make from selling the house.

My wife and sister bought a house together in June 2009 for $109,000 via an FHA loan. I'm still trying to find the down payment amount. They didn't keep good records.
My wife (then fiance) and I refinanced the house in our names in July 2013 (one month prior to our marriage) for $104,600 (30 year fixed) with a new lender. Her sister moved out the following month (job loss months earlier, couldn't afford her share of the rent). The cursory appraisal was $120,000.
My wife and I have been the only ones paying rent from July 2013 until now
We've spent $1000 in repairs during that time to get the house presentable to sell.
We've listed the house at $130,000 based upon comparables from our realtor.

I have no clue how much we'll have after selling since it hasn't sold yet, but I'd like to get some kind of formula in place to divy up the profit fairly. My father-in-law is trying to suggest a 50/50 split, but that fails to take into account the 12 months that I've been paying on the mortgage and the repairs we've done to get the house in sell-able condition.. Can anyone help me out in this regard?

I will do my best to provide any additional information that I can locate. I've tried doing Google searches, but they only seem to deal with divorces and selling estates that were inherited. Thank you for your time.
Question Deals
Learning How to Save, Retire and Manage Personal Finance
Added on : Tuesday July 29th 2014 10:00:11 AM
g: 0 Posted By: droctagon
Views: 125 Replies: 4 Hi all! I love this forum and try to visit it often as there seems to be a good pool of knowledgeable users. I've posted a few topics here and have received some great advice, a lot of which I did not take. I was recently looking at my 401k balances and really don't understand what is best for me or what it even means. This is what I know:
26.29% POST-86 SIP $23,928.47 $23,928.47 100% 20.29% EMPLOYER NONMATCHING CON $18,467.86 $18,467.86 100% 20.25% EMPLOYER MATCH $18,432.93 $18,432.93 100% 19.01% ROTH 401K $17,305.90 $17,305.90 100% 14.17% 401K $12,895.22 $12,895.22 100%
With a total 401k balance of $91,030.38. A little background on my other finances:

29 y/o engaged with $80k salary in Chicago (salary has been steadily increasing 5-10% since I started out of college with the same company)
$8k in savings earning 1% APR
$0 credit card debt
$6.4k car loan at 2.99% fixed
$36k student loans under 3% APR variable
$100/month into a Roth IRA (started today)

I spoke with a Fidelity representative who runs the 401k account and she suggested immediately opening up a Roth IRA, even if it means $100/month. She mentioned opening up a Roth IRA starts some sort of 5 year clock that is a qualifier for withdrawing money? Can anyone elaborate?

I have also read a good benchmark is to have 1X your salary by age 30 which I have been able to reach that goal. Given that, would anyone recommend maybe putting less into my 401k and putting more into my Roth IRA?

Finally, I will have a few major expenses coming in the next 2-3 years. I would like to be able to put a down payment on a modest priced house (~200-250K) and more immediately like in the next year, come up with $15k for a wedding. Sorry guys, I don't think my fiancee is going to accept a true FW wedding and if you guys aren't aware, 15k is on the low end for a wedding! Ridiculous!

I don't think its worthwhile to attack my car loan or my student loans given the APR. Any help, guidance, advice, articles would be of great help. Thank you all very much for your time.

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

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

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

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 4 Replies: 0 use promo code: EMCPCHA27

Brand
Seagate
Series
Desktop HDD.15
Model
ST4000DM000
Packaging
Bare Drive

Performance
Interface
SATA 6.0Gb/s
Capacity
4TB
Cache
64MB
Average Seek Time
<12.0ms
Average Write Time
<12.0ms

Physical Spec
Form Factor
3.5"

Features
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SATA 6Gb/s interface optimizes burst performance

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Average Data Rate, Read/Write (MB/s): 146

Max Sustained Data Rate, OD Read (MB/s): 180

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Looking for tips on saving money on trip to Beijing, China
Added on : Tuesday July 29th 2014 07:00:08 AM
g: 0 Posted By: FamilyOfSix
Views: 8 Replies: 0 I will be visiting China for 1 week in late September. Having just started doing my research and planning, I am looking for tips and advice, mainly on strategies for maximizing my travel dollars. Here are some things I've learned so far:

- Accommodation seems to be on par with North America. I'm looking at $50 per night for budget hotel on up to $200+ per night for higher end hotels.
- I will probably visit Datong and Pingyao, taking the overnight train. This has the benefits of: accommodation + transport in 1, and saving time on travel.
- I will try to avoid eating western food in tourist destinations
- I want to do a lot of shopping and will barter pretty hard. I've heard that I should pay between 40% and 60% of the original asking price.
- Transportation is a big question mark for me. I have heard that the subway is cheap and convenient. However, a good friend was able to hire a tour guide and driver for a total of just $50 per day. This seems insanely cheap and the benefit of a 'professional' tour with all the commentary and convenience.

Any other tips related to Beijing, Datong, and Pingyao very much appreciated.
Discussion Deals
How much was your mobile phone bill last month?
Added on : Monday July 28th 2014 04:00:08 PM
g: 1 Posted By: wtfu
Views: 262 Replies: 5 How much did you pay for your mobile carrier?


I paid $20 with Ting's pay as you go service.

Use less than 500 mins
0 text (using Google voice as alternative)
less than 100mb 4G Wimax (using Freedompop as alternative)
Discussion Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
g: 0 Posted By: DizzyT71
Views: 182 Replies: 0 WalMart has theCrayola Mini-Twistables Crayons (24-Pack)on sale for $2.50 with free site-to-store.

Next lowest price on Google Products is $5.26 shipped from a rated merchant.

Fun new mini size!
24 different brilliant colors!
Clear vinyl pouch provides re-usable storage.
Convenient small package in reusable tuck box.
Plastic barrel allows to see how much crayon is left.


4.5/5 Stars based on 80 customer reviews on Amazon.

Designer Purse Deal Thread
Added on : Monday July 28th 2014 12:00:02 PM
g: 0 Posted By: hellokitty27
Views: 143 Replies: 1 This thread is meant to consolidate all the current deals for designer bags, purses, wallets, etc. I'll be updating this thread as much as I can, and members should feel free to leave any deals they find in the comments and quick summary!
========================================================================================================================================================
Burberry Sale: Handbags and Accessories @ Ideeli
Purse Deals
g: 0 Posted By: hellokitty27
Views: 110 Replies: 0 Ideeli is having a Burberry Sale with Handbags, Watches and Sunglassesstarting at $139.99. Shipping is $10, but you can order as much as you want without extra shipping charges for the next 30 days.
Sunglasses Deals
g: 0 Posted By: tedhawkins
Views: 50 Replies: 0 Climbing - Petzl Ange Finesse Quickdraw SS 10cm (5 Pack) $79.95 Fs @ gearexpress

http://www.gearexpress.com/petzl-ange-finesse-ss-10cm-quickdraw-...

Petzl's MonoFil Keylock technology and the H-profile make these carabiners ultra-light and optimize their strength to weight ratio. They are also extremely durable, as are the new FINESSE Dyneema slings. ANGE FINESSE quickdraws are equipped with the STRING to correctly position the rope end carabiner for clipping, and to protect the webbing from abrasion.
Petzl's MonoFil Keylock ensures smoother opening and closing of the carabiner and a much longer lifetime compared to traditional wire gate carabiners
- the unique H-profile of the carabiner allows an optimal size and strength-to-weight ratio
- The indent on the bottom of the ANGE L carabiner helps keep the STRING in place so that the sling is properly positioned on the carabiner.
- The FINESSE 10 mm wide Dyneema sling offers an excellent weight to strength ratio
- The STRING holds the rope end carabiner in place and helps protect the webbing from abrasion

Specs:
major axis: 20 kN
open gate: 9 kN
minor axis: 7 kN
Gate opening: 23 mm
Capacity: 19 mm
Sling: 22 kN


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

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

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

BTW, I did check for the PP FAQ and the link atA Guide to Maximizing the Usefulness of FW Financeprovide a link toPAYPAL and other Online Payment Serviceswhich just leads to FWF homepage, not to the FAQ I'd expect.
Personal Finance Deals
Tap Water as an Investment?
Added on : Monday July 28th 2014 05:00:05 AM
g: -5 Posted By: a783783
Views: 178 Replies: 7 Here's another crazy idea. Let's say you rent an apartment where water is included. Let's say you could get away with using as much water as you want.

Watersupposedly has the potentialto be an increasingly scarce resource. Could you just stockpile as much as possible and re-sell it 50 years from now? Hell, is there a way to export it to Africa or India RIGHT NOW for a profit?
Discussion Deals
Need New Zealand Travel Plan
Added on : Monday July 28th 2014 12:00:07 AM
g: 0 Posted By: Swally
Views: 59 Replies: 0 I am a girl, I want to New Zealand from August 5 toAugust 20.

First, I will travel myself, no friend, no pet, no parent, which hotel is safe?
Second, I will go to rent a car, which company is cheap?
Third, I don't have much money, I want to travel for 15 days, the fee is not over $1500.

I like Newzealand, but I don't know whether the fee is enough, or somebody can give me some suggestion.
Requests Deals
g: 0 Posted By: ctgolfer
Views: 118 Replies: 2 Product Description

This quadcopter comes with a built it camera that allows you to record video or take still images. 4 channel function provide stable flying and easy operation. A high capacity battery and powerful motor enable the helicopter to fly much longer and faster. USB cable makes charging more convenient.

Features

YD-719 4CH 3-Axis Remote Control UFO Skyline Quadcopter w/Camera
Red color
Quadcopter design
4-channel remote control
3-axis flight control
2.4 GHz wireless technology
600 mAh rechargeable battery
User repairable
Four extra props included
Battery charges via USB
Remote control powered by three (3) AAA batteries (not included)
Spy camera captures photo or video

Unit Dimensions:
2.45 x 8 x 8-inches (H x W x D, approximate)

Package Includes:
YD-719 4CH 3-Axis Remote Control UFO Skyline Quadcopter
Remote control
Rechargeable battery
Four (4) extra rotor blades
Two (2) USB cables
User Guide

www.ebay.com/itm/Attop-YD-719-4-Channel-RC-3-Axis-Flight-Control...
RC & Hobbies Deals

eBay Coupons
Are All A+ Life Insurance Companies the Same?
Added on : Friday July 25th 2014 08:00:08 AM
g: 0 Posted By: wonderwoman1978fl
Views: 125 Replies: 1 Hi Guys! I am about to purchase life insurance and I qualify for an A+ company. Are they all created equal? Any one company better to deal with than another? Any company I should stay away from?
I always learn so much from all of you... Thanks for the help!
General Economics Deals
Maximum Time To Issue Refund
Added on : Thursday July 24th 2014 10:00:10 PM
g: 1 Posted By: Airking21
Views: 38 Replies: 0 Hey guys and gals, new here and recently found myself in a bad situation regarding getting credited for a refund. Hope someone can give me some advice or guidance on what I should do next. I know there are probably laws out there to help someone like me but I can't find anything specific. I recently had a charge go bad where the merchant was doing a terrible job with a service, sloppy with their work and were impossible to get on the phone. I was losing time and more money cleaning up their mistakes. Luckily I got the service canceled (in writing) and they agreed to issue a refund (in writing) but are telling me I have to wait 30 days before they submit the refund (this is not and does not include processing time). I paid with a credit card and know a little about my time limits to request a charge back (60 days I think). I'm uneasy about giving the company 30 days to issue the refund because I have never had an issue like this before where it would take so long to even put the request in, and two it puts me really close to my 60 day window for a chargeback if I wait. The amount in question is a couple $1k's. Any advice on what is an acceptable time for a company to issue a refund, is 30 days excessive? I know sometimes they say wait 7-10 business days for it to show up on your statement, but that is usually after they issued the refund and that is not what is happening here. The company mentions a "money back guarantee" on their site but does not describe their cancellation or refunds process, nor do they describe the money back guarantee in any detail other than those words. The receipt I was emailed doesn't mention much other than transaction date/time, customer name, address and email, and total amount. I feel like I'm being lead on and don't want to get burned.

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

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


Any advice on what my next steps are/should be?
Question Deals
New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Amazon Prime Pantry Filler Item Website?
Added on : Thursday July 24th 2014 10:00:22 AM
g: 0 Posted By: nullterm
Views: 95 Replies: 0 Much like http://www.filleritem.com/ allowed people to hit the exact minimum required for free shipping, does anyone know of a filler item website for Prime Pantry? For example, if my detergent fills up 16.4% of the box and I get 6 of them, I am only 98.4% full. FW mentality requires me to be THREE NINES OR BETTER!
Inherited IRA
Added on : Thursday July 24th 2014 06:00:09 AM
g: 1 Posted By: annemv
Views: 89 Replies: 3 My mother recently passed and I have received an IRA for $25K. I am trying to figure out if I should take the disbursements- in 5 years or lifetime. Unless I am seeing this wrong, it makes no sense to stretch it out for my lifetime as the disbursements would be so low I would never accomplish much. If I took the 5 yrs I could just put it all in a Roth over the 5 years. But then on the other hand, you have 5 years of crossing your fingers that the 5K does not up your tax bracket.
Any thoughts?
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 GeneralBrandLepowSeriesMoonstone 6000ModelMS6000-US-01TypePortable BatteryColorGreen/Black/White/Red/YellowCompatibilityCompatible Phone ManufacturerUniversalCompatible Phone ModelFor iPhone 5S, 5C, 5, 4S, 4 (Apple adapters not included), iPod, Samsung Galaxy Note, Galexy S4, Galaxy S3, Galaxy S2, Galaxy Nexus, HTC One X, One S, Sensation G14, ThunderBolt, Nokia N9 Lumia 920 900, Blackberry Z10, Sony Xperia Z; Google Glass, GoPro and MoreSpecificationCapacity6000 mAhSpecificationsOutput: 2 * 2.1 A / 1.2 A

Input: 5 V / 1 AFeatureFeatures

Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity



Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks



Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad Mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus



Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included.



12-month warranty; Please contact seller Lepow Official for exchange or return if it's over 30 days Amazon window

DimensionsDimension3.2" x 3.2" x 0.8"Weight8 oz.


www.ebay.com/itm/Lepow-Moonstone-6000mAh-Dual-USB-External-Batte...
over refunded on home owners insurance
Added on : Wednesday July 23rd 2014 07:00:05 PM
g: 0 Posted By: jaykull
Views: 66 Replies: 1 I sold my house last month and cancelled my home owners insurance. The insurance company sent me 400 too much. Got a letter saying I owe the 400, am I obligated to pay this back?
Question Deals
Vision Direct $50 Restaurant.com GC with $50 purchase
Added on : Wednesday July 23rd 2014 11:00:06 AM
g: 0 Posted By: Rhodan818
Views: 170 Replies: 0 http://www.visiondirect.com/get-a-restaurant-com-gift-certificate/qxc172960

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


Gifts Deals

Restaurant.com Coupons
g: 0 Posted By: Savvymommy03
Views: 34 Replies: 0 AnkerDirect ( via Amazon) has the Anker 2nd Gen Astro E3 10000mAh Ultra Compact Battery/ Power Packfor $25.99 with FSSS on $35+

Compatible with Android, Apple or other devices
5V / 2A input
0.59"thick
4 LEDs to show how much juice you got left

​Package contents:

Anker Astro E3 External Battery,
Micro USB cable
travel pouch
user manual
18-month hassle-free warranty

This item did well about a month ago w/ 17 likesand it was featured for $29.99.
Batteries & Chargers Deals

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g: 0 Posted By: cyberfire
Views: 98 Replies: 2 I did some searching on older threads and didn't see much in the way of topics around renting, mainly around ownership, so I'm hoping some members with recent experience can lend some insight here...

I wouldn't normally look at mobile / manufactured homes in my market as a rental property, but a situation just came up with someone we know that is currently renting one, and the owner is selling it, which made me wonder about this. Here are some of the specifics:

It's been converted to real property, the land and unit are both owned, which qualifies for traditional mortgage lending (in theory anyways)
Located in a desirable area of town, centrally located
Was built in 1984, in immaculate shape, dated interior
Asking price is 70K - majority of the cost is from the land
Current tenants are paying about $550 / mo
If they ever decided to leave, new tenant rent would go up to $650-700

With 20% down, after all expenses it would still cash flow, although not by much, around $150 / mo.

Getting $1,800 / yr return on $14K would be 12.8% - doesn't seem terrible, but is that the best way to look at this?

Has anyone else bought and rented out mobile or manufactured homes? What was your experience like? Was it worth it?





Real Estate Deals
Free Kindle Book- Making Play Doh for Kids
Added on : Wednesday July 23rd 2014 02:00:05 AM
g: 0 Posted By: remick
Views: 129 Replies: 0 http://www.amazon.com/gp/product/B00L0OADIE

Millions of kids and parents worldwide have been modelling for pleasure or in and educational way for decades. It all started with a little known substance that was made for a completely different purpose. That material is Play Doh now owned by American toy giant HASBRO. Over the years parents and enthusiasts have learned how to make their own in a cost-effective way. Check out the background and how for just $0.99.
Read on your PC, Mac, smart phone, tablet or Kindle device.
Here Is A Preview Of What You'll Learn...

The Origins of Play Doh
Play Doh Ingredients
Making Play Doh for Kids Safely
Homemade Making Play Doh for Kids
Play Doh on the Net
Play Doh Tools
Some interesting facts off the net
Useful Links and Further Information
Much, much more!
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 76 Replies: 0 Brand
Seagate
Series
Barracuda
Model
ST1000DM003
Packaging
Bare Drive

Performance
Interface
SATA 6.0Gb/s
Capacity
1TB
RPM
7200 RPM
Cache
64MB
Average Latency
4.16ms

Physical Spec
Form Factor
3.5"

Features
Features
Double your capacity and drive down costs with the industry's first 1TB-per-disk hard drive technology.

SATA 6Gb/s interface optimizes burst performance

Seagate AcuTrac servo technology delivers dependable performance, even with hard drive track widths of only 75 nanometers.

Seagate OptiCache technology boosts overall performance by as much as 45% over the previous generation.

Seagate SmartAlign technology provides a simple, transparent migration to Advanced Format 4K sectors.

Free Seagate DiscWizard software allows you to install a 3TB hard drive in Windows, including XP, without UEFI BIOS.

www.newegg.com/Product/Product.aspx?Item=N82E16822148840
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g: 0 Posted By: ShoppingChick
Views: 225 Replies: 0 DiscountMags has Us Weekly & OK! Bundle1-Yr. Subscriptionfor $125.00 - 80% off promo code FATWALLET = $25.00with free shipping. Order up to 3-years. Offer starts 7/24/14 and expires 7/25/14.

"Us Weekly magazine is a revealing, insider's look at all the trends and personalities important to the entertainment industry. Us Weekly is packed with fascinating news reports that take you way beyond the headlines. Us Weekly covers the romances, the scandals and the people behind them. Us Weekly gives you the smack-dab truth on everyone you hear about -- Paris Hilton, Kanye West, Britney Spears, Jennifer Lopez, Jennifer Aniston, Brad Pitt, Ashton Kutcher and so many others. Every weekly issue of Us Weekly brings you celebrities, gossip, photos, fashion and much more!"

"OK! is the world's biggest weekly celebrity magazine. Each issue is filled with celebrity photographs, interviews, close-up views inside their homes, on their vacations, and all the details of their daily lives. Get the latest scoop on celebrity hook-ups, break-ups, weddings, babies, diet, fashion and more! No magazine subscription gives you a more in-depth look into celebrity lives every week."

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g: 0 Posted By: tedhawkins
Views: 23 Replies: 0 Slim Electronic Earmuff from SmartReloader #SR112 (avail in OD Green or Anthracite) $19.99 + $9.99 Flat shipping

http://www.gearhog.com/

Deal Overview
These earmuffs electronically limit loud noises to 85 decibels and amplify soft sounds up to 20 decibels. Stereo microphones allow you to hear directionally. Excellent for hunting and range safety. Independent volume controls on each earpiece. Runs on 4 AAA batteries (not included).

NRR= 20dB

Amplifies non-harmful sounds as much as 19dB while blocking out harmful sounds (such as a gun- blast). Individual On/Off and Volume controls. Padded headband and soft, foam filled ear cushions. Amplifies the full range of audible sounds up to 100 yards away.

The SR112 earmuffs come with a built-in walkie-talkie plug which allows to plug-in your walkie or your music player!
Weight: 8 oz
g: 0 Posted By: remick
Views: 138 Replies: 0 PLAY The Discipline Solution: A New System Motivates Children to Do Chores while Teaching Life Skills & Self Discipline WITHOUT Cash or Spanking
http://www.amazon.com/PLAY-Discipline-Solution-Motivates-Childre...

5.0 out of 5 stars (9 customer reviews)

This ready-to-use kit is a job, financial & legal system that teaches children life-skills & self-discipline while giving parents an easy way to discipline children.

For Parents:
Strengthens respect without resentment
Transforms conflict into cooperation
Provides structure with rules and boundaries
Fosters encouragement instead of demands
Implements discipline without spanking or yelling
An on-the-spot tool to organize & manage chaos

For Children:
A fun & easy way to learn
Teaches money management, math & life-skills
Raises accountability & self-discipline
Nurtures a sense of pride with independence
Deflects disagreements & false sense of entitlement
Provides a way to earn all privileges
Inspires thinking before acting
Moderates unhealthy things such as the use of video games, computers, sweets, & more.


According to the Clark University Poll of Parents of Emerging Adults --

"74% of parents say they provide financial support to their 18-29 year old children."

This may be due to the "Entitlement Epidemic" that we've recently been hearing about.


This kit was created to help decrease the issue of entitlement. It will help kids learn money management, life-skills, self-discipline and math at the same time. It helps children gain responsibility for their actions without the parent feeling the need to spank or stress so much.

The system within this book is based upon the job, monetary and legal system that adults operate within today; and it's been broken down to a child's level. It gives hands on experience to children while teaching them about self-sufficiency, life-skills, money management, earning and moderation. by bringing real life responsibility to a child's level of understanding.

This toolkit provides motivation for kids to help out with household chores and to take on responsibilities independently -- without paying a cash allowance.

Once you begin using this system, you can say 2 words that in most situations will get your kids to listen to you almost instantly.

The toolkit includes charts for chores as well as a pay, price, and fine lists, facts, rules, currency, and discipline tips for parents. Everything has a set pay, price and fine. Everyone with kids or planning on having kids can benefit from this system.

The charts make it simple to start using immediately and kids love the idea of it too.

Research and studies have been done to make this system cater to a child and parent's needs. It's been tested, tweaked and rewritten many times over the last few years to narrow things almost down to a science.

Having the knowledge of life-skills and money management are just as important as the things children learn in school because the job market and financial world is ever changing and becoming more and more competitive every day. It's essential for children to start learning life skills as soon as possible, so they can have a jump start on how things work in the real world. If they don't learn these essential life-skills now, their life and yours may be harder now, and later down the road. This is why I felt the need to share this system with the world.

Let's arm our children with tools for success; while you gain some relief. This book and kit is a positive and educational solution. PLAY "The Discipline Solution" Really does work.
Totally Free Deals
VTech InnoTab 3S Tablet System Bundles (3-Choices) $49.99 @ Woot
Added on : Monday July 21st 2014 08:00:06 PM
g: 0 Posted By: ctgolfer
Views: 157 Replies: 0 shipping adds $5
Choose from 3 Bundles:

Mickey Mouse Club House
Disney Princesses
Monsters University

All BUNDLES INCLUDE:

20 Apps
2 Special Edition Games (varies by bundle)
A storage case (varies by bundle)
Wrist Strap and Charm

The Monsters University and Disney Princesses Also Include

Car Adapter
Headphones

InnoTab 3S, The Wi-Fi Learning Tablet, offers a wealth of fun, age-appropriate learning games for kids on their very own learning tablet featuring three different themed bundles

Includes Wi-Fi, providing a bunch of new ways to play and learn
These Limited Edition bundles come pre-loaded with 20 apps and 2 special edition games, plus a matching storage case, wrist strap and charm
Features a 5" color touch screen, E-Reader and Story Dictionary, MP3 Player
4 GB on-board memory, that is expandable up to 32GB with a micro SD card(sold separately)
InnoTab 3S also features a 180 degree rotating camera and video recorder
- Take pictures and make amazing videos with the 2.0 MP camera with enhanced photo features
- With the Wonder Cam your child can take silly pictures of themselves or their friends! Create funny faces, or decorate your picture with over 55 photo effects including picture frames and fantasy effects
- Use the D-pad controller, and talk into the microphone for enhanced and interactive game play
Requires 4 AA batteries (not included)

Expand Their Learning With Additional Apps

Parents can download more than 350 (and growing) educational games, e-books, music and videos developed specifically for each child's unique stage of development, as well as their age and interests
A broad library of subjects includes reading, math, social studies, science, creativity, problem solving and so much more!
Begins with activities suitable for toddlers and expanding to gradeschoolers
VTechs Learning Lodge gives every child an opportunity to expand their learning potential while keeping them entertained

VTech Kid Connect With your kid. Anytime. Anywhere

Kids can send and receive texts and stickers with VTech Kid Connect Basic, to and from iPhones and Android smart phones (requires corresponding parent app)
Also lets them stay connected to their friends with tablet-to-tablet communication, this allows them to send messages safely between two InnoTab 3S tablets

Make a Wish

Wish List Maker lets kids wirelessly explore hundreds of games, e-books, videos, music and more on VTechs Learning Lodge and send their favorite picks right to mom or dad's email
Apps download wirelessly right to the InnoTab 3S after purchase by parent


http://kids.woot.com/offers/vtech-innotab-3s-tablet-system-bundl...


Daily Deals

woot! Coupons
sam's club: $47.48 for a $50 steam gift card (F/S)
Added on : Monday July 21st 2014 02:00:01 PM
g: 0 Posted By: VivYip
Views: 0 Replies: 0 Sam's Club has a steam gift card for $47.48 with free shipping.

Steam gift card

Buy a Steam gift card to connect to the ultimate gaming platform
FREE STANDARD SHIPPING FOR ONLINE ORDERS

Description
Terms and Condition

Use of this card is subject to the Steam Subscriber Agreement, available at www.steampowered.com/subscriber_agreement. Card is not redeemable for cash or credit. You must activate this product via the Internet by registering for a Steam account and accepting the SSA. Please see www.steampowered.com/subscriber_agreement to view the SSA prior to purchase. If you do not agree with the provisions of the SSA, you should return this card to your retailer in accordance with their return policy.

Valve Corporation. All rights reserved. Steam is a trademark and/or registered trademark of Valve Corporation.
Specifications
Instructions

1. If you already have Steam, go to Redeem a Steam Wallet Code under the Games menu.

2. Otherwise, go towww.steampowered.com/wallet

3. Enter the unique Wallet Code revealed below and follow instructions

4. The USD funds will be added to your account and be ready for use. Have Fun!

For assistance, visit www.steampowered.com/wallet/support.

I saw this in email and hope that this might be of interest to someone. (it's a 5% discount...not much, but better than nothing) Thank you for reading.
g: 0 Posted By: lovelybones
Views: 224 Replies: 0 http://www.amazon.com/gp/product/B00L4HWY3E

Wireless Wi-Fi Dual Band N750 Router with 2.4GHz and 5GHz wireless radios for Video Streaming, Gaming and more
Easy setup for new home network or upgrade to existing network. Plus free 90 day Linksys Award Winning Technical Support by phone or live chat. You are covered.
Uses new Linksys Smart Wi-Fi web management interface with free smartphone app. Easily manage your router from computer or mobile device - from anywhere using remote access feature.
Packed with latest hardware. Four Fast Gigabit wired ports to connect printers, computers and other wired Ethernet devices. High-Speed USB port for shared storage or printer.
Other features included in the router that are managed by the web interface include Guest Network, Parental Controls, Shared Storage, Device List and much more

Routers Deals

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g: 0 Posted By: ShoppingChick
Views: 165 Replies: 0 Lepow Official via Amazon has the Lepow Moonstone 6000mAh External Battery Pack (Apple Green) for $24.99 - $9.00 coupon code BNALPIPT= $15.99with free shipping on orders $35+.

Charge mobile phones, iPod, and much more, on the go with 6000mAh capacity
More than 90% conversion rate
Works with all major cell phone and tablet models
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included
12-month warranty; Please contact seller Lepow Official for exchange or return if it's over 30 days Amazon window

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Corp To Corp versus 1099 Sole Prop Consulting? Pros/Cons?
Added on : Sunday July 20th 2014 07:00:07 PM
g: 0 Posted By: robronson
Views: 33 Replies: 0 I'm currently doing 1099 consulting. I've considered doing Corp To Corp (C2C) consulting such that I can form an S-Corp, hire myself as a W2, pay for things such as HSA Contribution pre-FICA tax, retain some of the money in the business to avoid SE Tax, and also to enroll in state unemployment because I believe my line of work will be dying out in the next 6 to 36 months. I see UI as a net positive given the tax-deductible cost of enrolling a single employee compared to 6 months of payouts when my consulting work eventually dries up.

Further, I work through third-party consulting firms through a loose relationship where they land me gigs, and a few of these consulting firms do not offer 1099 relationships, only W2 (through them) or C2C. I refuse to be someone else's W2.

Third point is I started a thread earlier this year that fizzled out, where I suggested it may be beneficial to have two separate entities to perform consulting through, such that you may be able to reduce state income tax. For example, perhaps you can do work in NY/CA through your S-Corp, max out your HSA contribution, Employee and Employer 401k Contribution, etc, through that S-Corp, and then the second part of the year, if you do work in TX/FL, you do it through your Sole Prop without any deductions. In theory, if you did everything through one entity, you'd have to reduce your 401k contributions/etc across all income equally such that you only get to deduct a portion of your deduction against your NY/CA income versus if you separated entities, you could say the S-Corp got all of those tax benefits and reduce taxes owed to the high-income tax states.

Fourth point is the ability to mess with income tax withholding through your S-Corp. Suppose you work Jan through August as a 1099 and decide to pay nothing in quarterly taxes. But then you withhold your entire paycheck from your W2 September through December and mail those to the IRS biweekly. I know married couples do this trick where husband does 1099 and underpays quarterly taxes and wife adjusts her withholding the last few months of the year to compensate. No penalties. Not sure if this works as an individual.

My biggest concerns with using an S-Corp are:

1) If I have to register as a foreign entity in each state I do consulting in. That seems like a hassle, and expensive. I think California was $500 to register as a foreign entity per year. I am nearly certain as a sole prop this is not necessary.

2) How difficult doing payroll for myself as a W2, filing UI payments with the state, etc. I've never used an accountant. I prefer learning things myself and handling as much as I can, and so far as a 1099, it's cake. I prefer this because as a true fatwalleteer, I use my understanding on a daily basis to plan the year out. I don't wait until April of the following year to talk to my accountant only to learn I should have done something differently the previous year. Doing things myself has a huge net positive benefit that exceeds the cost savings of paying for the accountant.

3) Anything else I missed?

Tax Deals
If I can't clear 10 per year, I'd rather hold gold with that money
Added on : Sunday July 20th 2014 11:00:08 AM
g: 0 Posted By: nicj4070
Views: 31 Replies: 4 We've averaged 5% per year inflation, since I started watching it in 1970. Gas was 40c a gallon, folks. A new Colt gov't model .45 was $135, rent was $50 per month, at most. A brand new, 400+ Cubic inch car, with AC, etc, was $4000, Ford or Chevy.

So any "investment" that doesn't make 6% minimum (before tax) is just losing money. Sure, gold CAN take a nose dive, but it can also double in price in a very few years, too. In 2004, I bought gold at $450 an oz. It went all the way to $1800, fell off, found support at $1200 an oz, and has been $100 or more over that price ever since. A lousy5% (after tax and inflation) just aint worth tying up much money into.
Investing Deals
Real estate license not worth it for two personal transactions?
Added on : Sunday July 20th 2014 11:00:08 AM
g: 0 Posted By: konstante
Views: 95 Replies: 3 I'm about to sell a house for ~$120K and buy another for ~$280K in a different area.

It costs less than $1500 and 60 hours of online training to become an agent in my area, join the two pertinent associations, and associate with a broker.

House 1:
The 6% commission would come to $7200, but I'd have to put $3600 of that to the buyer's agent and then take a cut for brokerage of, I don't really know, maybe 25% if I shop around? I've heard as much as 50%. So as little as $1800 to owner/agent on my first transaction ever and work the whole thing from 50 miles away. Yuck. Pretax yuck. Plus I have to be honest and say that it would suck to be the first line on lowball "give me a $10K discount because I don't like the paint color" offers on my first home.

The local market is stable but not on fire so I think that is will sell quickly if priced and marketed properly but could linger if either are significantly off Target.

House 2:
Buyer's agent commission would be $8400, but that's before the broker's cut. There is also a rebating agency in the area who will give a kickback of 1.5%. So I do most of the work with a rebating agency and get back $4200 or all of the work with my own license and get back $4200 to $6300.

I've heard of people getting their license for their own transactions but I'm thinking that their transactions are of much more significant value than what I'm talking about. Is there any point to getting a license instead of just using the rebating agency on the purchase and letting someone else handle the first home sale?
Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 635 Replies: 3 Thin, minimal design ensures the Smart Case won't add much bulk or weight
Aniline-dyed leather construction with a soft, color-matched microfiber lining that helps keep your display clean
Open the Smart Case, and your iPad wakes up - close it, and it automatically goes to sleep
Fold the Smart Case back to tilt your iPad into a comfortable writing position
Folds in just the right places to become the perfect stand for FaceTime video chats and watching movies or videos
*iPad not included

Condition: Bulk Packaged

Models and Colors Available:
Apple iPad mini Retina Smart Case (Beige) - ME707LL/A
Apple iPad mini Retina Smart Case (Blue) - ME709LL/A
Apple iPad mini Retina Smart Case (Black) - ME710LL/A
Apple iPad Air Smart Case (Beige) - MF048LL/A
Apple iPad Air Smart Case (Blue) - MF050LL/A
Apple iPad Air Smart Case (Black) - MF051LL/A

www.shnoop.com
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g: 5 Posted By: st4rdust
Views: 953 Replies: 6 Amazon hasInjustice: Gods Among Us(Ultimate Edition) on sale for$19.99with Free Super Saver Shipping on orders of $35 or more. Also ships free with Prime.

Choose from the PlayStation 3 or the Xbox 360.

4.2/5 stars based on 142 customer reviews.

A unique addition to the fighting genre in which an intriguing storyline pits the heroes -- and villains -- of the DC universe against each other
A powerful and diverse array of over 20 playable characters, including Superman, Batman, Wonder Woman, The Flash, Nightwing, Catwoman, Cyborg, Harley Quinn, Solomon Grundy, and others
A variety of play areas based in the mythologies of each character franchise
An accessible attack system broken down into light, medium and heavy attack, with each character having their own specific attacks
Wager battles that allow the winner of the battle to collect a portion of an opponents metered power
Deep multiplayer play options, including local and online play, as well as tournament support


Rated T for Teen.


Review: 8.2/10 at IGN

I enjoyed this game a lot. It was fun to play with a bunch of friends. I thought it was interesting that you can interact with your surroundings/the background. Also, each character's special move is unique and awesome in its own way. I liked watching my friends play almost as much as I liked playing it myself.
Video Games Deals

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JCPenney Back To School Ads
Added on : Sunday July 20th 2014 04:00:03 AM
g: 0 Posted By: jaymanthegreat
Views: 175 Replies: 0 Find all your kids favorite back to school outfits at JCPenney! Discover the latest fashions at affordable prices with must-have items for girls and boys. Or should we say young women and young men? Dont be intimidated by that shopping listwe make the experience easier than ever as your one-stop online shop for everything from jeans to dresses to graphic tees. When it comes to low prices, our clothing and accessories pass the test with flying colors! Enjoy back to school sales on kids shoes, backpacks, school uniforms and more. You can even stock your graduates dorm with dorm room furniture that reminds them of home (but not too much!). This year, ace your budget exam and make back to school more rewarding with affordable, up-to-the-minute styles at JCPenney.

http://www.jcpenney.com/jsp/browse/category.jsp?id=cat1002910036...
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g: 0 Posted By: st4rdust
Views: 106 Replies: 0 Today only, Amazon is offering a PC Digital Download of The Elder Scrolls V: Skyrim(Legendary Edition) for$13.59.

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

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

Reviews:

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

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

9.5/10 from IGN.



Video Games Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 156 Replies: 0 Amazon hasInjustice: Gods Among Us(Ultimate Edition) on sale for$19.99with Free Super Saver Shipping on orders of $35 or more. Also ships free with Prime.

Choose from the PlayStation 3, the PlayStation 4 or the Xbox 360.

4.2/5 stars based on 142 customer reviews.

A unique addition to the fighting genre in which an intriguing storyline pits the heroes -- and villains -- of the DC universe against each otherA powerful and diverse array of over 20 playable characters, including Superman, Batman, Wonder Woman, The Flash, Nightwing, Catwoman, Cyborg, Harley Quinn, Solomon Grundy, and others
A variety of play areas based in the mythologies of each character franchise
An accessible attack system broken down into light, medium and heavy attack, with each character having their own specific attacks
Wager battles that allow the winner of the battle to collect a portion of an opponents metered power
Deep multiplayer play options, including local and online play, as well as tournament support


Rated T for Teen.


Review: 8.2/10 at IGN

I enjoyed this game a lot. It was fun to play with a bunch of friends. I thought it was interesting that you can interact with your surroundings/the background. Also, each character's special move is unique and awesome in its own way. I liked watching my friends play almost as much as I liked playing it myself.
Video Games Deals

Amazon Coupons
Motorola Power Pack P793 @ Motorola.com $9.99 (plus S&T)
Added on : Saturday July 19th 2014 09:00:08 PM
g: 0 Posted By: wc455
Views: 221 Replies: 0 Before I get yelled at, shipping is $4 flat regardless of how many you order, so this will be a great deal if you need to order more than 1 charger. Otherwise, the prices I've seen around the web are at the $15+ ballpark. And yes,I know there are much higher capacity battery packs out there in the market and most likely at a better mAh/$ ratio, but if you want one from an established company with a built in USB cable in a neat design, here ya go.

The Motorola Power Pack is a portable battery pack to charge your phone with roughly around 1500mAh capacity and a built in micro-USB cable.

Link
Batteries & Chargers Deals
Moving to TX update : Picked Austin
Added on : Saturday July 19th 2014 05:00:05 PM
g: 0 Posted By: needhelpplease
Views: 82 Replies: 0 Can't post in my OP here http://www.fullofdeals.com/forums/finance/1316596/

Thanks for the great replies there. After much deliberation we picked ATX.

Will be renting for some time to avoid buying during the summer rush and try out the neighborhoods...Are there any property tax "deals" in the "top" schools http://childrenatrisk.org/wp-content/uploads/2014/05/2014-Greater-Austin-District-Rankings.pdf


Looking for an apartment/condo rental in the same elementary school while we look/build. Wife wants master planned community and I need public transportation access to the triangle area (hate ATX traffic!!)

Also looking for a new build rebate realtor and/or someone who "specializes" in REO/Foreclosures?

Thanks!


Discussion Deals
Citi Visa vs. Amex for big-ticket electronics?
Added on : Saturday July 19th 2014 03:00:04 PM
g: 1 Posted By: Tony1337
Views: 164 Replies: 3 I currently have a Citi Visa and an Amex and I'm trying to decide which one to use for my next major online electronics purchase (e.g. DSLR camera). Both have 1% Cash Back, 90-day purchase protection (against thefts/accidental damage), and 1-year extended warranty. Based on what I've heard, the Amex extended warranty program is much more hassle-free than the Visa (haven't heard anything about the purchase protection). However, the Visa card offers Citi Price Rewind, which refunds the difference if you buy an item and in the next 30 days, it is being sold for at least $25 cheaper by any retailer, which is not available for the Amex.

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

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

It really seems like they were trying to get her to quit prior to her notice so that they could have a more legitimate reason for the statement in her employment record. As we have little desire to move elsewhere, this sort of thing will be very problematic as there are only three other major health systems in the area and they all pretty much control everything in the area, whether that is nursing homes, doctors offices, etc.
Question Deals
g: 1 Posted By: remick
Views: 129 Replies: 0 http://www.amazon.com/gp/product/B00LSSG0Q6/

REARING RABBITS, CHICKENS, DUCKS & GEESE
A Comprehensive Introduction to rearing 4 of the most popular animals to be found around the Homestead or farmyard, with this bundle of 4 books in one.
Offered here at a Huge Discount on the individual book price.

BOOK 1 - REARING RABBITS
1 - Choosing Your Rabbits: With so many rabbits to choose from how do you know what is best for you and your particular plans? Here you will find a selection of the most popular rabbit breeds., whether choosing your rabbits for the best meat production, pelts or indeed as pets!

2 - Caring For Rabbits: If you want to get the best out of any livestock, then you must know how to care for them properly. Invaluable information on how to feed and care for your rabbits for best results.

3 - Costs & Considerations: How much does it cost to set up at rabbitry, and what could be the profitability of such an exercise?

Case study to look at the possible costs and profitability of breeding rabbits, looked at from a commercial and domestic viewpoint. Subjects covered include the numbers to be expected over a 1 year period, as well as start-up costs for 1 Buck and 3 Does using the New Zealand White rabbit a an example.

4 - Killing & Butchering: If you are raising your animals for meat, then information on how to dispatch your rabbit cleanly and efficiently is absolutely essential. Here are details on just how to achieve this with minimal stress to the animal, as well as how to dress or prepare the carcase.

5 - Glossary of Terms: A selection of over 60 popular terms used amongst rabbit breeders. Do you know what Binky means? Or perhaps what to do if your rabbit is Kindling? Check out these and other important terms here.

6 - Rabbit & Game Recipes! A selection of tasty rabbit and game recipes courtesy of F. A Paris from her excellent slow Cooking book "Slow Cooking Heaven.'

BOOK 2 - DELIGHTFUL DUCKS:
1 - Duck Care: How to care for your ducks to ensure healthy birds, including shelter, feeding and caring for goslings.

2 - Duck Breeds: A selection of the most popular breeds to keep whether for meat or for eggs. Including popular bantam duck breeds.

3 - Duck Preparation: How to prepare you duck for the table or for sale.

4 - Duck Recipes! Last but not least, A selection of tasty duck recipes courtesy of F. A. Paris from the 'Slow Cooking Heaven' recipe book.

BOOK 3 - GOURMET GEESE
1 - Caring For Your Geese: How to make sure your animals prosper from gosling stage to full adult, with instructions on proper shelter, feeding routines and health issues.

2 - Keeping Your Animals Healthy: How to be sure that you stay ahead of any potential health problems, and what to do if your animal becomes sick for any reason.

3 - Preparing For The Table: If you are rearing geese for the table then this is an essential piece of information to have. Includes instructions on how to dispatch your animals as humanely as possible, and how to prepare the bird for the table. Includes instructions on the best methods for plucking, cleaning and cooking your goose.

BOOK 4 - CHUNKY CHICKENS:
1. A glossary of 30 terms relating to the keeping of poultry, that will ensure you of a basic understanding as to what it is all about.

2. Keeping chickens for eggs or meat? This is a list of ten of the most popular chicken breeds along with a brief description of the birds and whether they are most suitable for egg production or for the meat.

3. Should you have a static chicken coop, or a chicken tractor - and what is the difference anyway? This is a simple look at what your chicken shed requirements may be, and how to choose the best hut for your hens.

4. Chicken feed - This section will show you what to feed your poultry during the different stages of growth, from baby chick ,to point-of-lay pullet, to full production egg-laying chicken.

5. Dressing Your Chicken. This is all about how to dispatch your chicken humanely and how to prepare the bird for the table - complete with picture
Totally Free Deals
170 oz Tide Original HE plus 170 oz Downy for $21.96 at Sam's Club
Added on : Friday July 18th 2014 04:00:03 PM
g: 0 Posted By: MachDave
Views: 187 Replies: 0 Sam's Clubhas a bundle discount of $6.50 if you buy a select Tideproduct and a selectDownyproduct together. Much better price per load than this deal currently going DEAL? I got 1 170oz Tide Original with Acti-Lift (whatever the hell that means) HE and 1 170oz Downy for $21.96 plus tax. You can purchase online with shipping or pick-up in store. Exp 07/20
Home & Garden Deals

Sams Club Coupons
g: 1 Posted By: Marvinomatic
Views: 413 Replies: 3 I just received 2 coupons, for 75 cents off from http://www.coupons.com/. I used this zip code 33043. I know the Potato chips are $2 at Shop Rite, but not sure how much the crackers are?
Discussion Deals
"Food should taste good" Brown Rice Cracker
Added on : Friday July 18th 2014 09:00:05 AM
g: 0 Posted By: Marvinomatic
Views: 34 Replies: 0 I just received 2 coupons, for 75 cents off from Coupons.com. I used this zip code 33043. I know the Potato chips are $2 at Shop Rite, but not sure how much the crackers are?
Discussion Deals
OFFER OVER Free Kindle Book - SECRETS OF BLACK HAT HACKERS
Added on : Friday July 18th 2014 05:00:09 AM
g: 8 Posted By: remick
Views: 570 Replies: 3 http://www.amazon.com/gp/product/B00LVJ7ON0

Here is the most amazing book ever published on computer hacking.
Step-by-Step illustrated details on the techniques used by hackers to get your data including :-
Guessing Passwords, Stealing Passwords,Password Lists, Social Engineering,
Reverse Social Engineering,Crashing Electronic Bulletin Boards,Dummy Screens, Fake E-mail,Trojan Horses, Viruses, Worms,Trap Doors, And Much more.
Anyone concerned with computer security and data privacy needs to read this book.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 106 Replies: 0 Nikon D4 Digital SLR Camera Body

Nikon calls their D4 Digital SLR Camera a "total professional imaging machine". They would be correct in doing so. Designed for the working photographer, the D4 meets the most-demanding photog's needs and then some. Packed with features essential to getting the job done, and getting it done well this rig is more than a digital camera, it's a shooter's bread and butter.

Building off the basic structure of its predecessor, the D4 goes big in a number of ways which are sure to be appreciated. The camera features a 16.2Mp 36 x 23.9mm CMOS sensor with Nikon's FX-format and the EXPEED3 image processor. ISO sensitivity can now be extended as low as ISO 50 or as high as 204,800 with a standard range of 100-12,800 ISO. Additionally, 10 frames per second continuous shooting in FX-format for up to 200 shots ensures the decisive moment will not be missed.

The D4 records in RAW, JPEG, TIFF, and RAW + JPEG files. Metering options include RGB 3D Color Matrix III metering, center-weighted, and spot. Additionally, compatible storage media includes the future of professional storage, XQD memory cards, and Type I CompactFlash memory cards (UDMA compliant). Of course, NIKKOR AF-S and AF-I lenses are compatible with the D4 body, putting an extensive line of lenses at the photographer's disposal.

Another improvement on D4's little brother would be the slightly bigger LCD screen. Up from 3", the D4 has a 3.2" LCD monitor with a 170 viewing angle, approximately 100% frame coverage, automatic monitor brightness control, and Live View. In Live View the image can be enlarged up to 46x to make on the spot focus confirmation. Surrounding the monitor are illuminated buttons for ease of use even in low light. Additionally, quick access Live View confirms exposure, white balance, monitor hue, histogram, focus mode, AF area mode, and focusing accuracy with ease.

The D4 also boasts stellar auto focus features - like 51 AF points, an AF mode selector switch, and fast AF point selection. All three of these components of the AF system ensure accurate, fast shooting whether the subject is a room full of children or a high-speed sporting event.

Of course, the D4 wouldn't be a professional level DSLR if it didn't include full HD video capture. The D4 does so, making it equally a pro videographer's tool as much as a pro photographer's. From 1080p broadcast quality video at 30 or 24 fps to full manual control to the option to add an external mic for stereo audio capture, the D4 isn't just a digital camera that also captures video.

Features like the aforementioned Live View allow the videographer to confirm capture of their footage on the camera's LCD and an external (optional) monitor simultaneously. It also gives you access to Picture Controls to handle the look and feel of the video, in-camera. Peak audio meters also allow the videographer to adjust sound levels manually in 20 incremental steps. Remote start and stop of view using wired and wireless remote accessories is also an option, among many others.

Detailed Specifications:

Lens Mount: Nikon F
Camera Format Full-Frame (1.0x Crop Factor)
Memory Card Type: XQD, CompactFlash
Built-in Flash: No
Video Recording: Yes, NTSC/PAL
Continuous Shooting: Up to 10 fps
Wi-Fi Capable: Yes
Dimensions (WxHxD): 6.3 x 6.2 x 3.6" / 16.0 x 15.8 x 9.1 cm
Weight: 2.95 lb / 1.34 kg

Also Included:

* EN-EL18 Rechargeable Lithium-Ion Battery
* MH-26 Battery Charger
* Strap
* USB Cable
* USB Cable Clip
* Body Cap
* Accessory Shoe Cover
* Connector Cover for Stereo Mini Plug Cable
* Connector Cover for USB Cable
* Software CD


Please note:
This camera is a direct import item - it is exactly the same as the USA model, meaning that there is no technical difference - all cameras are manufactured in the same factories by the same workers. Direct import models do not carry a USA manufacturer warranty. The deal offered here includes a seller warranty covering your camera body for 3Years and providing the same coverage against manufacturer defects as the manufacturer warranty.


www.ebay.com/itm/NEW-Nikon-D4-Digital-SLR-Camera-Body-3-Year-USA...
SLR & dSLR Deals

eBay Coupons
Free Kindle Book - SECRETS OF BLACK HAT HACKERS
Added on : Friday July 18th 2014 01:00:06 AM
g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/gp/product/B00LVJ7ON0

Here is the most amazing book ever published on computer hacking.
Step-by-Step illustrated details on the techniques used by hackers to get your data including :-
Guessing Passwords, Stealing Passwords,Password Lists, Social Engineering,
Reverse Social Engineering,Crashing Electronic Bulletin Boards,Dummy Screens, Fake E-mail,Trojan Horses, Viruses, Worms,Trap Doors, And Much more.
Anyone concerned with computer security and data privacy needs to read this book.
Totally Free Deals
g: 0 Posted By: cyberpitstop
Views: 144 Replies: 2 Link
use coupon code
zoomfalcon
coupon good until 11am Friday

This unit will make you some $$$$$$$$ at this price, my personal estimate it shouldpay for itself in 65 to 70days and turn a profit for another 75days of $600+ or moreit hosted so you have ZERO fees for 3 months.~~Product Description
The Falcon 27+ MH/s - 3 Months of Free ZenCloud Service - Same-Day Activation!
The ZenMiner hosted Falcon by GAW Miners gives you peace-of-mind and complete control over your miner without having to worry about the setup, optimization, and monitoring of your unit. You can easily manage your Falcon and all your other hosted miners through your ZenMiner Cloud account.ZenMiner Cloud Hosting:
The first 3 months are Free!*
Track the hashing performance of each miner
View key metrics about your miner's uptime, power consumption, speed, and much more
Reboot and troubleshoot your miner remotely
Dedicated customer support through ZenMinerThe Convenience of the ZenCloud!
Use our colocation service to stand up your miners, and dont wait for your delivery. Simply buy the miner(s) from our website (without shipping, of course) and we will point your miners to whatever pool you specify. You can then manage your miners through your ZenMiner Cloud Hosting account
Are you ready to take delivery? Just tell us where to ship it, and we will ship it to you for free!
Electronics Deals
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

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

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

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

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

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

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

Thanks all!
Personal Finance Deals
g: 0 Posted By: KayK
Views: 133 Replies: 2 Current (Fortune 50 company)
Salary: ~$63k before bonus. Full time salaried position (I.E.. no overtime)
Bonus: Average of around 15% of yearly salary (In past 7 years, it has been at minimum 1.2x monthly salary, and maximum 2.6x monthly salary)
Vacation: 20 days paid vacation, 5 paid sick occurrences
Other: 401k (Company matches 50% up to 2.5%), pension plan, good health/dental benefits (I pay less $50 a month for myself). Full pay for short term disability up to 6 months. Get to work from home two days a week as long as no major meetings/projects going on.
Distance: 22 miles, 30 minutes from home.

Offer (Fortune 20 company)
Salary: Somewhere between $55/hour and $60/hour.Minimum 18 month contract position with extension possible.
Bonus: What bonus?
Vacation: What vacation? (I.E. Unpaid vacation)
Other: No pension plan. Health benefits would be $2/hour. Unknown 401k plan. Most likely no work from home.
Distance: 35 miles, 40 minutes from home.

Me: Almost 30, married with no children. Wife works at a large regional hospital and makes roughly same as me but is hourly and gets overtime. I'll most likely get health benefits through her (it would be much cheaper) if I take contract position.

Is there anything else I should be looking at when comparing the two positions?

Personal Finance Deals
Switching jobs - is it worth in this situation?
Added on : Thursday July 17th 2014 07:00:04 AM
g: 0 Posted By: regor1000k
Views: 141 Replies: 1 This is for a friend of mine who appreciates my input to plan his career. I though i will pick brains of folks here as you guys are awesome and practical. Thanks in advance!

My friend is wondering about switching jobs and is evaluating his situation and wants my inputs on it. I thought i will pass it through the forum and get different dimensions of thought.

Friend: JDoe is 30 yrs old, has wife and 6 month old baby. Works as enterprise application analyst.

Curret Job:
- local government, been there 6 years, vested in a retirement system.
-its a civil service position, there is little job security
-does not learn anything, no opportunity to in near future too
-too much office politics in their department where none of developers are given any opportunity to do new things, except if you are liked!
-dead end job other than moving to management where its tooo much politics and mismanaged and stupid people running the show.
-makes $96k a year, 4 day work week and decent health benefits
-good rapport with his managers and co workers, team and business users.
-he owns the application, architects it, and he administers it and has total control of the function.
-poor project managers and leadership on top of him which does not understand things in IT world. they are managers because they know somebody!
- its soo dysfunctional that anybody will feel sick! Especially at 30.

new job he is offered:
-kind of a lateral move and asks for littler lesser experience than what he has.
-same line of work, same enterprise application, at a local state university. The city where he lives has limited options for his expertise.
-sounds like more challenging work as they have just started implementation and have a well structured project plan.
-not sure of office politics or new co workers or team
-pays $79k, same state retirement system but health benefits that are little lesser than current job
-this is an appointed position unlike his present civil service position.
-opportunity to learn more business process as its a new line of business.
-there could be opportunity to advance but he is not sure of how, what and when and how much.
-they hired couple of new grads for the same position last year and trained them, he already brings years of experience in this tool that they are very excited.
-they will get a lot of work done from him and he is afraid if they might over use him compared to trained new grad peers.
-5 day work week can be long days too as its an appointed position.

He is even thinking of this position as he feels he needs to learn new things and and be in an organization where they have a good structured projects and not work with dysfunctional PMs who became one because of politics!
As he is in IT he feels he should not become a dinosaur!
He can move into consulting, but because of family and small kid does not want to travel every week. He wants to enjoy coming home every evening. He is an ex-consultant from on of the good consulting companies like accenture, ibm etc..
He is also pm certified and wants to move up the ladder

I was telling him to look into federal government if he wants to move up and not this path by taking a huge pay cut.

What do you people think?





Personal Finance Deals
Job Resignation Timing Dilemna
Added on : Thursday July 17th 2014 06:00:09 AM
g: 0 Posted By: antiorg
Views: 260 Replies: 7 Hello all,

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

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

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

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

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

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

Thanks all!
Personal Finance Deals
g: 40 Posted By: remick
Views: 2728 Replies: 6 http://www.amazon.com/gp/product/B0055PLK1I

4.2 out of 5 stars (21 customer reviews)

In this easy-to-use, make-it-from-scratch cookbook, Jonni McCoy, the original Miserly Mom, demonstrates that inexpensive meals can be both nutritious and mouth-watering. She offers proof that living well without spending is doable. Originally published as Miserly Meals, every recipe includes the price per serving and a nutritional analysis. Kitchen tips are an added bonus with every recipe. Simple soups, slow-cook dishes, breakfast ideas, vegetarian options, snacks, gifts from the kitchen, and more will make this the busy mom's most-used cookbook.



Grandma's Simple CookbookMG EZ 120 Recipes
http://www.amazon.com/gp/product/B00BKNAYS4

4.2 out of 5 stars (19 customer reviews)

We All Love Grandma's Cooking!
Grandma's Simple Cookbook delivers 120 OMG EZ Recipes
Basic ingredients found in every kitchen are used to prepare these easy recipes.
Grandma's Cookbook of easy to follow recipescome from a generation raised to value time spent in the kitchen with friends and family.
Pass the legacy on, equip the next generation with the key to the kitchen. Encourage restoration of Joy in the kitchen with these easy recipes.



21 Easy Classic Recipes Every Kitchen Should Have
http://www.amazon.com/gp/product/B00CDWMAAQ/

4.3 out of 5 stars (10 customer reviews)

There are some foods you just dont appreciate until you move out on your own, and suddenly you find yourself missing moms meatloaf.
Sometimes when I am homesick, theres nothing like baking a batch of moms white bread.
In this collection, you will find many classic recipes that I remember from my childhood and some that are traditions in my family now.



NIM'S ISLAND: Excellent Stuff to Make, Cook, Read, Do
http://www.amazon.com/gp/product/B008H456O6

4.8 out of 5 stars (50 customer reviews)

Recipes, activities and study guide based on Nim's Island and Nim at Sea.
Inspired by a Nims Island Coconut Cookbook sent to her by a classroom of young fans, Wendy Orr has collected recipes, activities and teaching notes from Nims friends around the world.
There's also a note from the directors of the Nim's Island film, previously unpublished poems for Nims animal friends, and a bonus short story Freds Great Great Great Great Great Great Grandfather and How Volcanos Began.
This is an Australian National Year of Reading 2012 project, with all proceeds going to the Indigenous Literacy Foundation. The Indigenous Literacy Foundation (ILF) advocates and raises funds for Indigenous literacy, to improve the lives and opportunities of Indigenous Australians living in remote and isolated regions.



Holiday Recipes: 150 Easy Recipes and Gifts From Your Kitchen
http://www.amazon.com/gp/product/B009ZT2X70

4.2 out of 5 stars (52 customer reviews)

A huge collection of 150 holiday recipes for gifts from your kitchen and your own holiday table.
Give a gift of love this holiday season with homemade favorites from your kitchen. Everyone leads such busy lives, and gifts from your kitchen are thoughtful and much appreciated tokens of affection for family, friends and co-workers, besides being a great way to save money.
This 150 holiday recipe collection includes strategies to make your preparations easier, as well as tips to make your finished products tastier and more attractive. We also include loads of unique ideas to package your creations for gifts that are memorable and maybe even photo worthy.



New on 7/17

Quick and Easy Weeknight Meals For 2: Easy To Cook Delicious and Delectable Meals for Just the Two of You
http://www.amazon.com/dp/B00JF97EYM
4.3 out of 5 stars (24 customer reviews)

25 Simple Casserole Recipes for Any Occasion
http://www.amazon.com/dp/B00AOAV53M
4.1 out of 5 stars (14 customer reviews)

Desserts in Jars
http://www.amazon.com/dp/B00KKQLN8M
4.9 out of 5 stars (11 customer reviews)

Where Is Your Picnic Basket
http://www.amazon.com/dp/B0093TKK86
4.4 out of 5 stars (10 customer reviews)
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g: 0 Posted By: DizzyT71
Views: 115 Replies: 0 WalMart has theWeight Gurus Digital Bathroom Scale with Large Backlit LCD and Smartphone Trackingon sale for$28.88 with free store pickup.

Extra-large (4.3"), extra-bright backlit display
400-lb capacity with +/- 0.1-lb resolution
Non-slip, scratch-resistant feet
Connects with iOS and Android Devices (smartphone not required for scale use)
Free Weight Gurus smartphone App (iOS and Android)
Weightless technology lets you track weight by how much you weigh (e.g. 173.4 lbs) or by how much you've lost (e.g. -12 lbs)
Durable tempered glass construction
4 AAA batteries required (included)
Supports up to 8 users

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g: 0 Posted By: remick
Views: 13 Replies: 0 http://www.amazon.com/gp/product/B008XSBRW6/

Forearm exercises and hand strength training for building a strong grip are important components of a complete workout which are often overlooked.

However, there are great benefits for people who take the time to train their hands and make them stronger. Think about itwhether you're playing a sport, working out in the gym, or just fulfilling your day-to-day responsbilities, your hands are what you use to interact with almost everything around you.

You can have all the upper body strength in the world, but if your hands and forearms aren't strong enough to deliver that strength to the baseball bat, tennis racket, hockey stick, barbell, or whatever else you're trying to move, it's not worth very much.

Strong and healthy hands are also just a wonderful asset to have in your daily life. You'll never stop needing your hands, and taking the time to keep them in great shape is a very smart long-term investment in your body.

Hand And Forearm Exercises teaches you a full set of hand strengthening exercises, complete with pictures and detailed descriptions to ensure proper form. These are interesting and effective exercise which are also quite convenientmost require either common household objects or no equipment at all.
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g: 1 Posted By: xpcppc
Views: 253 Replies: 2 I haven't tried this mouthwash yet, but it's $3.69 for 8 oz and $5.19 for 16 oz at drugstore.com (4% back from Fatwallet). Apparently you mix with 5 parts water, so 16 oz. makes 3 L of mouthwash. Seems very practical for travel use and you can't beat the price. It's also apparently useful as an antiseptic, particularly on stings and bug bites. Amazon sells the same for about 2x as much. Shoprunner unfortunately does not work on this item, so you may want to wait until you can get up to $35 before you buy so that you can get free shipping. If you're trying to fill your cart to get to $35, some other items that are competitively priced at drugstore.com right now include Clubman PinaudandNature's Bounty Probiotic 10 (if you buy 3x at a time).

8 ozDr. Tichenor's
16 oz Dr. Tichenor's

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g: 0 Posted By: DizzyT71
Views: 21 Replies: 0 Rakuten has theOutsunny Zero Gravity Recliner Lounge Patio Pool Chair (Assorted Colors)on sale for $47.99 - $13.00 coupon code TREAT4U = $34.99 with free shipping.

Note: Coupon is valid forNew Customers Only.

Next lowest price on Google Productsis $47.50 shipped from a rated merchant.

Zero gravity (or anti-gravity) chairs are designed with comfort in mind, so much so that that they're widely used not only as camping, patio and pool furniture, but also in beauty salons, offices all across the world and as a reflexology chair
Included is a removable / adjustable pillow, great for use as a headrest or for the perfect lumbar support
UV-resistant high quality breathable mesh fabric and a powder-coated steel frame for long lasting use
Angle lock allows you lock in several reclining angles from sitting up to the "zero gravity" position
Weight Capacity: 300 lbs, Chair Weight: 20 lbs


4.5/5 Stars based on 213 customer reviews on Amazon.




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Compare mortgage offers
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: steveb10
Views: 47 Replies: 0 I am in the process of buying a home. I have pre-qualified with aimloans and in the process of being pre-approved. I also looked into a local broker and received a fee worksheet. It looks as if aimloans is cheaper by about $1k, but I just want to make sure I am not missing anything. If you see something, please let me know.

Location: Alabama
Purchase price of home: $160k
Loan Amount: $112k
Interest rate: 4.25%
Conventional 30 yr

Aimloans:
Lender Fee: $1,995
Lender Rebate: ($2,291)
Appraisal: $395
Flood Cert: $5.50
Credit Report: $16.75
Tax Service: $61
Owner's Title Ins: $500
Lender's Title Ins: $725
Recording Fees: $76
Tax Stamps: $216

Total: $1699.25

Local Broker:
Fees: $1,010
Appraisal: $450
Flood Cert: $14
Closing Protection Letter: $25
Title Examination: $125
Closing Fee: $300
Owner's Title Ins: $250
Lender's Title Ins: $25
Recording Fees: $85
Tax Stamps: $281

Total: $2565

Does anyone know why the Lender's Title Insurance is so much lower with the local broker? Is this something he would jack up at closing without me knowing? I am still learning about mortgages, so any comments or help would be much appreciated. Thank you!
Real Estate Deals
g: 0 Posted By: poorfatkid
Views: 64 Replies: 0 Best price I can find anywhere! Runs $199 everywhere. This is the newer carbon steel edition, not the B1 first generation.

Link
Basis uses 4 sensors including heart rate and activity to take automatically paint a more comprehensive picture of your Fitness (run/bike/walk/calories/steps), Sleep (REM/Deep/Light plus toss & turn) and Stress (continuous HR) levels.Product FeaturesMultiple Sensors = More InsightWith 4+ sensors compared to most single-sensor devices, Basis paints a more scientific picture of your health, tracking heart rate, motion, temperature & more.Seriously SmartOur Body IQ technology takes the hassle out of tracking and simplifies all that data into simple metrics for fitness, sleep and stress. All you have to do is wear Basis. It does all the work.Get Fit: Auto-Tracks Your Favorite ActivitiesBody IQ automatically detects your favorite activities like walking, running and outdoor biking in real-time on your wrist. It also gives you the right caloric burn credit for those activities.Sleep Better: Advanced Sleep AnalysisBody IQ delivers real sleep analysis with Deep / REM / Light sleep, toss & turn, Sleep Score and Interruptions. No 'modes' to set - Basis automatically figures all this out.Stress Less: Heart Rate On Your WristFeeling stressed? Elevated heart rate (viewable on your wrist) could be a clue. A quick breathing exercise can easily help you keep cool under pressure and be mindful.Track Goals & Build Healthy HabitsAll of the data in the world does you no good if you can't act on it. Basis helps you incorporate small changes into your daily routine that have a powerful impact on your health.Backlit DisplayMakes real-time metrics like running, biking, walking, heart rate and goal progress easy to view on your wrist. A quick flick of your wrist automatically turns the backlight on.Personalized DashboardView your personalized dashboard by syncing wirelessly with select Android and iOS smartphones, or via USB with your PC or Mac.Sleek And ComfortableThe Carbon Steel Edition combines polished stainless steel couplers and non-reactive silicone straps for a sleek look and comfortable feel.Change The LookAvailable accessories (not included), allow you to customize the look and feel of the health tracker.Free Software UpgradesBasis continuously updates its software and adds functionality to your experience, much of which is included for free in your purchase.Does Not Replace Your Workout Heart Rate MonitorBasis is designed to track your health over time using multiple sensors. It complements workout-focused heart rate monitors with chest straps which are for high-intensity workouts.
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g: -1 Posted By: puddonhead
Views: 142 Replies: 9 I'll keep the specifics to a minimum to keep the identity of the "close acquaintance"in question safe. Its no fun to have your boss find out that you are looking around.

A "close acquaintance" of mine is considering moving from his current job. His current job is stressful (in one of the typically aggressive industries - think "Strategy Consulting" or "Investment Banking" etc.).

He/she has two job offers - both in middle management.

Offer 1 is from an old school company that has a low stress culture. It's closer to home (less than 30 minutes commute). This place is supposed to offer very good for work life balance. The industry vertical is unfamiliar. He/She is pretty much done after doing a 9 to 5 stint daily (except for rare emergencies).

Offer 2 is in something this person has always done (i.e. another high stress job) - but pays about 20% higher. He/She is currently unavailable (either commuting or working) from 6am to 9pm due to work - and accepting this offer will continue that. It has a longer commute.

What are the factors you consider when evaluating two very different job offers like that. Is it possible to quantify things?

1. If we calculate the total lifetime value of the difference - then compounding (raises, bonuses) will magnify the current 20% difference to a huge number.
2. How do you put a value against quality of life? Have you faced similar choices and what have been your decision?

I'm interested in your thoughts, comments, or even better - stories - because I see this same thing playing out for me sometime soon. I can either continue doing what I do now (high stress), or find one of the low six figures "just another IT guy" (i.e. relatively low stress) jobs in the old-school organizations that are in abundance near where I live.
Personal Finance Deals
Free Traffic Law Counselors T-Shirt - Missouri only
Added on : Tuesday July 15th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.trafficstl.com/tshirt.html

Shirts are VERY bright safety green (lime-ish) | Like Road Workers Wear | Logos alternate front and back

IF YOU ARE INTERESTED IN THIS T-SHIRT, WE ONLY ASK THAT YOU WEAR IT OUT AND ABOUT AS MUCH AS POSSIBLE. We offer discounts on our services to anyone who can prove (with a picture) that s/he wore the shirt in highly visible situations. Call for more information.

Please fill out this form and we will send you a T-shirt. We hope you put it to good use. You MUST live in Missouri !! Oh, and only while supplies last.
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Car in accident while my car was rented out by carshare company
Added on : Tuesday July 15th 2014 03:00:05 AM
g: 0 Posted By: gooseman13
Views: 177 Replies: 2 I rent my car out to a carsharing company that then re-rents it out. One of these re-renters got into an accident - looks like they may have rear-ended another car. The carshare company towed it to a local Body Shop and got an estimate on the damage coming out to about $5,000 (car is less than a year old, worth about $13,000 pre-accident). Carshare company said they will pay for the damage. My first time dealing with an accident - should I just give them the go-ahead to fix, ask for anything in addition, have it taken to another auto body for review?

The carshare company is not having me sign a release or anything at this time. I will talk to them about diminished value at some point. Any thoughts or suggestions are much appreciated.
Question Deals
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B00CR6EJC0

4.4 out of 5 stars (27 customer reviews)

OK, I'm outing myself to you right here and now - I'm basically a "prepper junky".

I've spent most of my adult life doing such things as getting a license to be an Emergency Medical Technician (EMT) and also becoming "CERT (Community Emergency Response Team) Qualified" in Southern California. I've also been in tornadoes (Kansas), hurricanes (Hawaii), earthquakes (California) and even in the L.A. riots of the 1990's, so I guess I know a thing or two about emergency preparedness, and I would like to pass that knowledge on to you.

Most people think "preppers" are a bit looney. They think that we expect the worse to happen, and that we just go through life paranoid. My response to that is, "Better to have the peace of mind that I'm prepared to survive most any disaster than to be a head-in-the-clouds victim who doesn't have a clue."

Fact - in a serious community disaster (like a hurricane, or tornado), emergency response personnel will probably be so overwhelmed that they may not be able to get to you for several days.

Remember Hurricane Katrina and Superstorm Sandy?

Those who are prepared to be self-sufficient for a few days are soooo much better off than those who made no preparations and depend on outside help from the get-go.

Look, there are thousands of people every year who are directly affected by disasters - whether they are natural or man-made. A Bug Out Bag is just one of the things (and probably the easiest) that you can prepare for yourself and your family that will help you survive a disaster situation - whether the disaster is localized to your own house (a fire, for instance), or to your community - even a disaster that's affecting your whole country (civil unrest, maybe?).

So come on along, as this book not only covers Bug out Bags extensively, but also prepares you in other ways, too. You may become the "Go-To" person in your community after reading it and following the suggestions!
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g: 0 Posted By: jaymanthegreat
Views: 28 Replies: 0 Duracell 24 AA + 24 AAA Batteries Copper Top Alkaline Long Lasting 2018/19 Bulk $16.99

Item Description:
Batteries have been around for centuries, but they've never been more necessary than in today's electronic age. With these Duracell Copper Top Batteries, you'll get a valuable necessity at an incredible value! These alkaline batteries come from Duracell's durable and long-lasting copper top line. They're sure to get you and your remote through the biggest games, you and your flashlight through the darkest night, your portable iPod stereo through the best parties, and oh so much more!
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Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

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


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

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

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

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Optimize the performance of your computer system with the efficient operation of the Intel Core i7-3930K BX80619i73930K Unlocked Processor.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Help needed: WU MO bounced by Chase
Added on : Monday July 14th 2014 08:00:14 AM
g: 0 Posted By: ghasem0
Views: 49 Replies: 6 Couple of months ago I purchased a WU money order at a grocery store ( I kept the mo purchase receipt and the mo stub ). I filled it out payable to myself and deposited together with other mos at my local bank atm ( I kept the deposit atm receipt). Few days after that I withdrew the money.
About a week after the deposit, while making another deposit, I noticed that my account had been overdrawn. I went berserk. Called the bank cs rep, did not get much of help. Called WU and a machine confirmed it was cashed while in bank's possession( a day after the deposit date). Loaded with the receipt, stub and a copy of the bounced mo I headed to the branch where I deposited it in the first place. The banker was very uncooperative if not indifferent/hostile. I was told to wait for the letter from the bank with the legal copy of mo. I got the letter with the legal copy of the mo. The bank letter states the reason: "refer to maker". I called the loss prevention dep rep and was assured that it was their fault and If I deposited the legal copy of the mo again it would not bounce. And that's what I did. I deposited the legal copy inside the branch (kept the deposit receipt). It bounced again and they charged me returned item fee again.Went to the branch again, spoke with the branch manager. She did not help me. According to her there was nothing she could do and advised me to take it to WU.
So I initiated a research with WU. Got a letter from WU with the research payment trail records. It states clearly that the mo was "paid clean" by them and it provided the three different bank sequence numbersone for every time it was presented for payment. It looks like after i deposited the mo at the atm, tschaise presented the mo for payment twice (the very next day after the initial deposit date and again three days later on). Andthe third presentment per WU was a day after I deposited the legal copy inside the branch. So altogether this mo was presented for payment three times. The WU letter says that it was "paid clean" the very first time it was presented and was returned the at the next two presentments.Today I spoke with the bank operating loss prevention department analysts and was advised to go to the branch so they get a copy of WU letter faxed to them.
After spending good three hours in the branch and then again on the phone with loss prevention dep rep I was told to take it back with WU. Spoke with live WU rep for the first time and she told me that there is nothing more they can do.
I kept all the documents related to this mo. Bottom line is that the mo was cashed a day after it was deposited at the atm. At the time of cashing the mo was not in my possession but per the deposit receipt date and time it was in tschaise's possession.
Tschaise has given me a run around for two months already. I am not sure how to proceed from here on, never been in a situation like this one before.
I am sure I am not the first person to encounter a situation like this.
I need you help from guys.
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g: 0 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B00H4OVHEI

30 Piano Chords - Games & Puzzles - Triads, Chord Inversions, 10ths, major, minor, augmented, diminished

This is a Fun and Puzzle Game Book for Children Adults - 30 Piano Chords. Play this game to see how well you know your chords.

Pictures of piano chords are shown.
Identify the right piano chord.

There are 3 different levels for you to play.

This will increase your memory of the different chords that you play on the piano.

You are having so much playing this game & quizzes that it makes all music theory fun.
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g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Charges two PlayStation 4 controllers simultaneously
You and a friend can keep gaming for extended periods.
See how much power you have
Keeps you notified of your controller charging status with LED lights.
Easy to store
Provides compact storage for your controllers when not in use.
Accessories included
Comes with a charging stand, a detachable base, 2 battery packs, 2 battery covers, an AC adapter and a quick-setup guide.

www.bestbuy.com/site/insignia-dual-controller-charger-for-playst...
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g: 0 Posted By: ctgolfer
Views: 142 Replies: 0 The Microsoft Surface RT 10.6" (7XR-00001) 32GB Tablet Features:

Windows RT; Microsoft Office Home and Student 2013 RT
10.6" ClearType Widescreen 5-point multi-touch HD Display
Quad-core NVIDIA Tegra 3 CPU
2GB internal memory
32 GB hard drive capacity
MicroSD Card slot for expandable memory storage
Dual 2x2 MIMO antennas provide reliable internet connectivity
Ports: Full-size USB 2.0, microSDXC card reader, Headphone jack, and HD Video Out
Front-facing camera for video chats and Skype
Rear-facing camera for snapping photos
Bluetooth 4.0 compatible
Integrated Kickstand provides support
Stereo speakers and microphone
Up to 8 hours of battery life
Dimensions: 10.81" x 6.77" x 0.37" (W x L x D)
The Microsoft Surface RT 10.6" (7XR-00001) Tablet with 32GB of memory is a beautifully designed and versatile tablet perfect for browsing the web, checking emails, taking photos, watching movies, and much, much more. Inside, the Surface RT is packed with top-quality hardware: a Quad-core NVIDIA Tegra 3 CPU, 2GB of RAM, plus a MicroSDXC card slot for vastly expanded storage. The Surface RT Tablet also features a stunning 10.6" widescreen multi-touch LCD display (1366 x 768) and two cameras: a rear cam, and a front cam (perfect for video chat).

www.a4c.com/dailydeal/
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Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
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100k AA miles how do i utilize the points in best possible way!
Added on : Saturday July 12th 2014 11:00:08 AM
g: 0 Posted By: ganeshwar
Views: 95 Replies: 1 100k AA miles how do i utilize the points in best possible way!

I would like to cancel my card in next few months, as I don't travel much from what i anticipating.so my miles will not go towards flying..

If i try to order Giftcard i could get only 400$ only,is there a better possibility other than this to redeem my miles 110K miles?

Appreciate your opinions.
Air Travel Deals
g: 1 Posted By: remick
Views: 136 Replies: 0 Italy for First Timers
http://www.amazon.com/gp/product/B00I9P0VO8/

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



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

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


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

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



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

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

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

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

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
How do you deal with collecting daily spending data
Added on : Friday July 11th 2014 05:00:05 PM
g: 0 Posted By: calvin888
Views: 68 Replies: 2 I would appreciate all FWers here to share their successful experiences dealing with the tedious work of tracking and logging down daily spending, especially cash spending?Things getting really bad, family members are not helping. Wife and kids dont like to log down their daily spending and hate to be questioned for those numbers they dont like to remember everyday. Lots of vague descriptions and incomplete receipts are left for me to figure out. That is hours of detective work to put the broken pieces together, and the results are still not precise.

So much time and efforts,I am so tired but can not quit. Theworst part is no one appreciates it.
Discussion Deals
g: 1 Posted By: ctgolfer
Views: 822 Replies: 1 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison Chart

Shipping Note:Eligible for shipping to all 50 states

Warranty:90 Day Roku

http://sellout.woot.com/offers/roku-1-or-2-streaming-media-playe...
TV Deals

woot! Coupons
Free bag of much-ado-about-Mango snacks - survey
Added on : Friday July 11th 2014 09:00:12 AM
g: 0 Posted By: remick
Views: 139 Replies: 1 http://www.surveymonkey.com/s/ZN8K2KT

Welcome! Completing Peeled Snacks' Spring survey should take about 5 minutes and as a reward, everyone who completes every question will receive one free bag of much-ado-about-Mango
Totally Free Deals
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/gp/product/B00KGQS7EE

THE ART OF PHOTOGRAPHY is Book 2 of the Digital Photography Series. It is a highly illustrated guide to camera settings, composition guidelines, and sources of inspiration.
Learn how to move from snapshots to works of art. In this second book of the DIGITAL PHOTOGRAPHY SERIES by Al Judge, the focus is on artistic presentation and pleasing images. Learn from the experience of others.
What are "Typical" camera settings for popular types of images?
What factors make some images more appealing than others?
How do you find your source of inspiration?
How do other photographers view there art? What inspires them?
What equipment do you need for better results?
˃˃˃ Until now, Al Judge has written books to enhance your technical photographic skills. Now it is time to use that knowledge in a more artistic way.
This is Al's first book that relies on some previous knowledge of Digital Photography. That foundation was established in Book One of this series Mastering Digital Cameras. That knowledge is used to move effortlessly to more artistic images.

Digital cameras have advanced so much in the last decade that anyone can get a few great images by simply pointing at a scene and pushing a button. The joy and excitement comes when you learn to plan your images to convey an emotion or feeling and do it successfully.

We all know pleasing images when we see them, but few people understand why those images are so appealing. Art is unique to every person, but there are certain rules or guidelines that seem to be hard wired into the human brain. In this book, you will learn about the Rule of Thirds and other widely accepted artistic concepts.

˃˃˃ Learn from other photographers!
The chapters of this book are separated by two page articles about the work of eight different photographers. These photographers range from highly-acclaimed world-renowned professionals to pure amateurs. Regardless of perceived success, they were invited to participate in this venture because their images are inspirational and beautiful. The amateurs prove that you don't have to be a professional and own thousands of dollars worth of camera equipment to produce great images. The professionals help us to see what is possible with dedication to the art. All of these Featured Artists love photography and it shows in their work.
Totally Free Deals
Free Kindle Book- Manage Your Home with a Smartphone App!
Added on : Friday July 11th 2014 02:00:10 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00AKJN4GI

Millions of people around the world are interested in controlling their homes with a smartphone or tablet device over the Internet, but don't know where to start?
However, with the entry of a large number of players including Google! the smart home market is witnessing a piling of too many solutions available to end consumers, which is causing confusion for consumers.

Gerard explains that his new book De-mystifies Smart Homes by using easy-to-understand language that walks you through the process of setting up your own next generation smart Home automation system.

This book is intended to be read by the following people:

Anyone interested in controlling their lighting, alarm, heating and entertainment systems on their smartphones or tablets while out and about or at home.
Home builders interested in identifying specific home automation ideas that will differentiate their offerings and improve overall property sales.
This book is a useful tool for electrical contractors and alarm installers who are unsure about how to start offering Smart Home installation services to their customers.
Anyone else curious about how to setup a Smart Home system at a reasonable cost!

Included in this new version are several new chapters, including two special chapters that my customers have been asking for since pretty much the beginning:

The chapters emphasized in the book are;

Introduction To Home Automation
Choosing A Smart HA 2.0 Technology Platform
Step 1 - Select A Smart Home Automation Controller
Step 2 Use Smart HA 2.0 To Enhance Family Security Levels
Step 3 Use HA 2.0 To Enhance Family & Property Safety Levels
Step 4 - Add Lighting Control To Your HA 2.0
Step 5 - Add Heating & Smart Energy Control To Your HA 2.0 System
Step 6 - Add Multi-Room Music 2.0 To Your Smart HA 2.0 System
Step 7 - Add Whole House HDTV Distribution To Your Smart HA 2.0 System
Step 8 - Add Blind & Drape (Curtain) Control To Your HA 2.0 System
Step 9 - Add A Home Cinema To Your Smart HA 2.0
Step 10 - Smartify Your Kitchen
Step 11 - Smartify Your Garden
Step 12 Embrace The Internet Of Things (IoT)

Each chapter includes technical illustrations, examples of how smart homes are helping people and insights from Gerard.
Totally Free Deals
Roku 1 or 2 Streaming Media Players $29.99$39.99 w/FS @ Woot
Added on : Thursday July 10th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison ChartShipping Note:Eligible for shipping to all 50 statesWarranty:90 Day Roku

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

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

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

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

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

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
Homeowners: A new class of fools (CNBC)
Added on : Thursday July 10th 2014 08:00:06 AM
g: -1 Posted By: SangioveseW
Views: 247 Replies: 4 Here's an interesting article that I just came across:http://www.cnbc.com/id/101826458

As you can see, the author does not exactly think that the future of housing is particularly attractive. Quote:"According to the U.S. Department of Housing and Urban Development, privately-owned housing starts in May dropped an unnerving 6.5 percent from a downwardly revised April reading. And single-family housing didn't fare much better either, as starts fell by 5.9 percent against a lowered April print. This signals what is likely to be a brutal third and fourth quarter for the sector.As economist Karl "Chip" Case, the co-creator of the highly regarded S&P/Case-Shiller home price index, recently pointed out: "Every time [housing starts] have gotten below a million in the past, it's come right back. Every time except the Great Recession."
Discussion Deals
The cost of personal loans VS UK - Question
Added on : Thursday July 10th 2014 02:00:03 AM
g: 0 Posted By: newnorley
Views: 58 Replies: 2 I've always been amazed how much more expensive unsecured personal loans are in the USA than the UK. Today HSBC will lend between GBP 7,000 - 15,000 at 3.9% APR http://www.hsbc.co.uk/1/2/loans/personal-loan/personal-loans&WT.... as in the states the lowest I've seen in the last 4 years was around 7% APR with discover. Why are loans much more expensive here? regulations, lack of competition?
Question Deals
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: LongDongSilver
Views: 211 Replies: 0 There are quite a few of these refurb laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas, plus the MATTE screen that is more common on the business class laptops. Lenovo factory refurbs are as good as new.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: LongDongSilver
Views: 58 Replies: 0 There are quite a few of these laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: remick
Views: 85 Replies: 0 Brick ABC: An Alphabet Book Illustrated with LEGO Bricks
http://www.amazon.com/dp/B00CPVO9RM

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


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

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



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

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



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

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


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

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

Memberships & Services Deals
g: 0 Posted By: CanisMajor
Views: 97 Replies: 0 The threads mentioning this have been archived as far as I can tell, I also posted this in the deal discussion forum Class Action thread. Just got this email today:

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

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

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

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

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

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

Sincerely,
Settlement Administrator
ING Rate Renewal Settlement Program


Discussion Deals
Physicians Formula BOGO sale @ Target B&M, thru 7-19th
Added on : Tuesday July 08th 2014 11:00:03 PM
g: 0 Posted By: iowahawkeye
Views: 156 Replies: 0 promo

Got this in an email from Physician's Formula.
Put Brick and Mortar in the title, since the "shop" link in the offer doesn'tpromise BOGO, so it may not work online.

~~BOGO IS BACK!
You loved our last BOGO so much, we're bringing it back!
Shop all your favorite Physicians Formula products during this Buy One, Get One FREE promotion at Target July 6 - July 19.
No coupon necessary.



Health & Beauty Deals

Target Coupons
How much do you spend on groceries each month?
Added on : Tuesday July 08th 2014 06:00:06 PM
g: 2 Posted By: cyberfire
Views: 225 Replies: 10 I've been reassessing my budget recently, and noticed that for a family of 3 (2 adults, 1 toddler), we're spending about $1,000 / mo on groceries. I'm curious what other FWF members spend on groceries each month, because I feel like I might be on the high end of the spectrum. We don't but a ton of snacks, but I do enjoy eating quite a bit of meat - I love to BBQ, and that can add up, even when it's on sale. We don't bother with "organic" labeled food, as the regular stuff is cheaper.

Most sites and blogs I've read basically recommend either coupons or essentially having your own mini-farm. Couponing isn't as great as it used to be - we did used to coupon until the time vs money just didn't make sense, as over the past couple years the savings we've seen have just gotten weaker with couponing. And having crops / mini-farm setup in an urban environment is often not practical or possible.

So, how much do you spend?
Family size?
Discussion Deals
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

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

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

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

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

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

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

I don't want to turn this too much into a car discussion. I'd just like to know the pros and cons of what to do with 14k today versus having a $325 pension.
Investing Deals
g: 0 Posted By: toooomuchcoffee
Views: 208 Replies: 0 One day only, definitely worth checking out.
Clothing Deals
Shopping for mortgage need help !
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: itsmeprinceus
Views: 45 Replies: 0 Hi guys,
I am in the market shopping for mortgage. I am building a home with Taylor Morrison and they are pushing me towards getting a loan with them. I started doing my own research and found out that rates outside are much lower. This particular lender (https://pfloans.provident.com/?)is offering really low rates compared to any other banks outside just want to get some insight into what kind of things I should be looking for.

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

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

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

TIA
Personal Finance Deals
Bought second house, previous owner wants it back.
Added on : Tuesday July 08th 2014 02:00:20 AM
g: 0 Posted By: CptSavAHo
Views: 31 Replies: 1 We bought a second house as an investment rental. It's in a mediocre neighborhood and modest size. It needs a lot of updating, was an old man who died and didn't do much but hoard for the last 20 or so years. The garage is full of stuff some of it looks potentially valuable like these bikes from 1930s or so all in decent shape. When we closed we offered the son of the owner 48 hours to take whatever he wanted off the property. He didn't take anything as far as we know. Now some letter has surfaced in the family talking about how much some of what his dad collected is worth and his son is offering, almost demanding, to buy the house back. There are 3 rooms packed with stuff mostly in boxes and a garage crowded with stuff a lot under tarps. The funny thing is the son gave us a concession at sale because of the estimated cost of removing all the junk. So...

What's my best option to have someone estimate the value of all this? There seems to be a big variety of items some paintings some jewelry a lot of clothes records some books tons of magazines bicycles rugs and some furniture. What's my tax liability if it ends up with some kind of value?

What's the risk from the son? I offered to turn over any personal effects like photos but maybe thats a bad idea? I could see him saying we promised to give him whatever he wanted etc etc.
Tax Deals
g: 0 Posted By: cvrev
Views: 128 Replies: 0 Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support

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

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

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

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


​AMAZON LINK
Cell Phones Deals

Amazon Coupons
100 Lindt Lindor Truffles for $25
Added on : Monday July 07th 2014 02:00:05 PM
g: 1 Posted By: jc6168
Views: 249 Replies: 1 Pretty good deal considering they're usually twice that much or so.

http://www.lindtusa.com/shop/chocolates/lindor-truffles/create-y...
Grocery Deals
Medical loan advice
Added on : Monday July 07th 2014 11:00:09 AM
g: 0 Posted By: The111
Views: 147 Replies: 2 Here is my situation:
May need to pay ~$60k out of pocket, up front, for a medical expense that insurance won't cover (long story)
Spouse and I both have excellent credit, minimal debt, and stable decent-paying jobs
I could (barely) afford to pay the bill with cash on hand, but would rather borrow it than expend my cash reserves

Question:
Do medical loans exist? I know nothing about this. Where should I look?
I would like to think that I could find one with a really low rate, considering both my credit and the fact that I have the entire amount on hand as collateral. But, I have no idea if that is a reality.

Any advice is much appreciated. Thanks.
Personal Finance Deals
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

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

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

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

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

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

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

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


Discussion Deals
Innokin Itaste CLK Complete e cigarette Kit only $24.99
Added on : Sunday July 06th 2014 01:00:02 PM
g: -2 Posted By: shops2much
Views: 156 Replies: 0 www.vbvape.com/shop/the-daily-deal Has an Innokin Itaste CLK which is the newest ecig by innokin. This is a nice product from reputable manufacturer. Normal retail price is $50ish, fleabay price is around the same, but who knows if it'sgenuine or not. This is a complete kit, just add the juice.

Variable voltage means you can get a lot of vapor, passthrough battery means you can charge and vape at the same time. Comes with atomizer, lanyard, beauty ring and case.
Health Deals
College Student. Retirement Plan
Added on : Sunday July 06th 2014 08:00:04 AM
g: 0 Posted By: Joshhh
Views: 68 Replies: 0 I'm 20, single, 3rd year college student with a part time job $20K income this year. No debt (all $20K can be used for saving because of the full scholarship). Looking to start my retirement plan and lessen my tax. I am thinking about having a Roth IRA saving account, is it the right choice? I don't have much knowledge about investing.
Investing Deals
g: 0 Posted By: vicki23
Views: 43 Replies: 0 The Ringer Cast Iron Cleaner XL 8x6 Inch Stainless Steel Chainmail $14.99 FS PrimeThe Ringer Cast Iron Cleaner XL 8x6 Inch Stainless Steel Chainmail $14.99 FS Prime

This is the lowest price is has ever been on Amazon.com (without promo code)


Link :http://www.amazon.com/gp/product/B00FKBR1ZG/


XL 8x6 inches of Grit Scrubbing Magic for all your cast iron cooking needs! Also, AMAZING for glassware, plates, casserole dishes.

Dishwasher Safe Premium Grade Stainless Steel for easy cleaning of any cast iron cookware item like a baking sheet, tea pot, cookie sheet, cauldron, tortilla press, hibachi, cornbread, pie pan and more.

Lightweight, and convenient for home, camping or travel. Never have grit lodge into your cast iron skillet set ever again! Also works well with cast iron conditioner for restoration.

100% Satisfaction Guaranteed! We PROMISE you'll love it! Much better than a cast iron brush or cast iron scrub brush, or pan scraper.
study abroad flights?
Added on : Saturday July 05th 2014 03:00:07 PM
g: 0 Posted By: flyboynm
Views: 57 Replies: 0 What is the best method to get flights to places like South Africa or Australia for students that are studying abroad? I have looked around and been told to use student rates but have not found anything much different than what I can find at the normal sites.

Trips would be from Jan 15 - May 23rd but flexible. Can fly from ABQ, DEN, DFW, PHX or LAX if the incentive is there.

Thank you in advance.
Air Travel Deals
Rite Aid 7/6 - 7/12 (MM Bayer; free Clear Eyes, cheap Pantene)
Added on : Saturday July 05th 2014 06:00:06 AM
g: 0 Posted By: MrVietnam
Views: 825 Replies: 1 Free Clear Eyes with gold
psa $4.99 = $3.99 gold - $1/1 4/27ss - $3+up (limit 2) = $.01 MM


Looks like more cheap Pantene:

Buy 6 Pantene Shampoo and Conditioner 12.6 oz., $3.34 each
2 $5/3 Pantene Shampoo, Conditioner, or Stylers products 7/6 PG
Pay $10, Get $7 +Up Reward (limit 1)


Er1ca's site has ads thru 7/26 & I don't see much...

Rite Aid Deals
Repair and refill Freon (for temp fix) or replace heat pump?
Added on : Saturday July 05th 2014 05:00:05 AM
g: 0 Posted By: sagarrefi
Views: 66 Replies: 2 I have a 26 year old 2.5 ton heat pump and air handler and I understand they need to go. The outdoor heat pump unit leaked Freon three years ago as a valve was bent. It was cheap to repair and add R22 at that time but I can't find the same independent technician now. I would rather do this temporary fix as I am traveling out of town at present for 6 more months.

Now even the cheap techs are saying refilling freon will cost up to $800 (if the leak repair is minor) as R22 is much more expensive. I am torn whether I should go for temporary fix or replace heat pump and air handler. In my area heat pump costs are very high and I am afraid to even ask. One company gave me estimates of $3000 for new compressor and $6500 for heat pump (no band names or details on SEER rating, tonnage etc)

How much should i expect to pay for a new American Standard, Trane or Carrier system installed in DC area? I plan to sell the house in a year and brand name and warranty are important.

Do I have to be present in person to supervise an installation or a casual friend can supervise it? I have read horror stories of problems in installation on these forums. Thanks!

PS: I don't have warranty. A neighbor got a new system all on warranty company cost.
Question Deals
Rite Aid 7/6 - 7/12 (free Clear Eyes, cheap Pantene)
Added on : Saturday July 05th 2014 03:00:10 AM
g: 0 Posted By: MrVietnam
Views: 809 Replies: 0 Free Clear Eyes with gold
psa $4.99 = $3.99 gold - $1/1 4/27ss - $3+up (limit 2) = $.01 MM


Looks like more cheap Pantene:

Buy 6 Pantene Shampoo and Conditioner 12.6 oz., $3.34 each
2 $5/3 Pantene Shampoo, Conditioner, or Stylers products 7/6 PG
Pay $10, Get $7 +Up Reward (limit 1)


Er1ca's site has ads thru 7/26 & I don't see much...

Rite Aid Deals
g: 0 Posted By: Xenocrates
Views: 55 Replies: 0 JBL Loft 50 6.5" Floorstanding Speakers Pair(Black) - $149.00 FSP @ Frys.com

Note: Even though it is technically free store pickup it appears your local store has to actually have one for you to pickup.

2 - 6.5" PolyPlas side-mounted woofer
3 - 4" PolyPlas midrange
1" Soft-dome tweeter w/ EOS waveguide
FreeFlow Portincreases output and reduces distortion
Straight-Line Signal Path crossover network
Dimensions (H x W x D): 42.5" x 7.13" x 11.87"
5 Year Warranty


Frys claims was $449.00 which I didn't believe until I found Newegg still selling them for this much.
Frys Deals
g: 0 Posted By: ctgolfer
Views: 245 Replies: 1 Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
Electronics Deals

Amazon Coupons
g: -1 Posted By: ctgolfer
Views: 112 Replies: 0 Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
Electronics Deals
g: 0 Posted By: DizzyT71
Views: 170 Replies: 0 Lepow via Amazon has Lepow Moonstone Series 3000mAh External Battery Pack (Apple Green)for $18.99 - $9 w/ code "2JDA3K2Y" = $9.99.

Compare at Newegg for $19.99.Newegg

Lightweight, Portable External Battery Pack - Charge your Samsung S5, S4, S3, Note 2, Note 3, iPhone 5, 5S, 5C, 4S, iPod (Apple Adapters - 30 pin and lightning, not included), and much more, on the go with 3000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than similar power banks.
Top-Notch Compatibility - Works with all major cell phone models -- iPhone 5, 4S, 4, iPods; Samsung Galaxy S5, S4, S3; HTC One; Google Nexus.
Creative, Eco friendly packaging. Contents include: Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included.

4.7/5 Stars based on 284 customer reviews on product page.
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 241 Replies: 0 coupon code: OANOI78H

Are you fed up with the smelly, stained oven mitts that you keep using in your kitchen or on the BBQ? Are you tired of your oven mitts soaking up water or burning your hands?
These are the best solution! Easily manage messy BBQ sessions, grabbing and preparing hot food, retrieving hot pots and pans in the kitchen, and countless more scenarios, all the while keeping your hands safe and dry.

These are FDA approved and adheres to the highest quality standards for silicone products.
Why Choose These Over The Oven Mitt?

- Heat-Resistant For Temperatures Up To 425 degrees
- Comes In a Pair and Each Have 5 Fingers, So You Can Protect BOTH Hands While

Maintaining No-Slip Dexterity Both On The BBQ Grill and In The Kitchen

- One Size Fits All Design
- No-Slip Design To Allow Safe Movement Of Hot Items
- Dishwasher Safe
- No Staining or Smell Even After Long-Term Use
- PERFECT For Opening Tough Jars, Rinsing Veggies, Cleaning Dishes and much more!

http://www.amazon.com/dp/B00L2JQ8AE
Home & Garden Deals

Amazon Coupons
Warm -- Sling Media Slingbox 350 -- $99.99 @ Best Buy...
Added on : Thursday July 03rd 2014 04:00:02 AM
g: 1 Posted By: HotSalami
Views: 154 Replies: 0 I'm fully anticipating the 'Lava is better', 'Sling rips people off on their mobile apps', 'the (discontinued) refurb HD Pro is much better', etc. etc... BUT, my 9+ year investment in various Slingboxes will continue with this deal. At $99.99, it's at least $25 less than AMZN.

Dont forget FatCash...

http://www.bestbuy.com/site/sling-media-slingbox-350/6578328.p
Electronics Deals
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/dp/B009ALAPR8
4.4 out of 5 stars (36 customer reviews)

Make your own Seasoning Mixes from the spices you already own.
Also discover many self reliance tips.
As we know America was discovered while Christopher Columbus was seeking a faster trade route to the East Indies. He wanted to bring back spices quickly and cheaply. In his time spices were a very prized item. Today, compared to Columbus time spices are not near so valuable unless you dont have them. Then how much would you pay if you did not have access to Spaghetti or Taco season packet?

With the economic downturn of the US one item that has really increased in price are spices. I have watched spice packets double in price. People are willing to pay for a little something extra when it comes to good tasting food and your grocer knows this. For this reason spices will continue to climb as economic times waver.

Bulk Seasonings are much cheaper. If kept in a good mason jar or other suitable condition away from heat and light they will last for years. So what are you waiting for? Start saving today! Whip up your favorite seasoning mix from the spices Im sure you already own.

I guarantee the recipes in this book will open a new world of creation to you. It will pay you back again and again in lost time money and gas. No more running to the store because you realize in the middle of cooking, you dont have that season packet you always use. From now on you can pass up the season packets with a smile because you know how to make your own.
Totally Free Deals
Intex Queen Airbed with Pump - Supreme Air Flow $89.99 w/FS @ Kmart
Added on : Thursday July 03rd 2014 12:00:19 AM
g: 0 Posted By: ctgolfer
Views: 136 Replies: 0 Enjoy Portable Comfort When You Use the Intex Queen Airbed w Pump
When you choose the Intex queen airbed w pump, you get an incredibly convenient sleeping option that was designed to make your life easier. It all starts with the carrying case, allowing you to transport the mattress without the need for extra bags. The packed dimensions of 21x10x17 mean that it won't take up that much space, so you don't have to leave any other luggage at home when traveling. The electric pump is built right into the mattress, so you never have to worry about misplacing it or needing to find it when it's time for bed. Since it's electric, you also get to stay away from hand pumps or foot pumps, which can be rather taxing to use and are far slower than electric models.
The Intex queen airbed w pump also gives you the comfort that you desire, starting with a smooth vinyl surface that will be perfect for sheets or blankets. The mattress's large dimensions set it apart, giving you the luxurious space that you want, even with two.
The Intex queen airbed w pump has dimensions of 60x80x20, giving you plenty of space to sprawl out and relax
The built-in pump makes it easy to inflate the bed in any location, without external equipment
The vinyl construction is tough and durable, even with extended use
The white color will match any room if you plan to use the mattress for a considerable amount of time
The carrying bag allows you to transport the deflated mattress along with other luggage


www.kmart.com/intex-queen-airbed-with-pump-supreme-air-flow/p-08...
Camping Deals

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

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

Good luck finding it at your store.
UPC 041100809735

What to do after 401k and Roth / Also TSP Roth??
Added on : Wednesday July 02nd 2014 09:00:08 AM
g: 0 Posted By: nocomprendo
Views: 90 Replies: 2 Sorry if this is repetitive but I tried searching the forums for answers and I'm still a little confused.

I am 27 years old and I am very new to financing. I read a couple books as well as the internet and started two years ago and opened a Vanguard account. This is my second year putting money into my 401k (no match from employer) and into a Roth IRA. Currently I am making around $100,000 and have just paid off all credit card debt, student loans, car payments, and currently rent an apartment ($1,500/month). I also am saving up for other expenses such as wedding/house, and have a savings account with roughly $20,000 (definitely a ways to go for a house down payment in my area).

1. I was wondering what recommendations you guys have for putting my money once I have maxed out the 401K ($17,500) and Roth IRA ($5,500). I was thinking about individual stocks but I don't know much about that area.

My second question is for my girlfriend who is 26 years old. She is currently working for the government and I have urged her to do the same. She currently maxes out her TSP ($17,500, 3% match from employer) and puts money into a Roth IRA ($5,500). I was recently going through her paperwork and found out that they also have a Roth TSP.

2. Does that mean she can put up to $17,500 in her TSP, $17,500 in her Roth TSP, and $5,500 in a Roth IRA?

3. Also, if we do get married, I believe we would be put into a hire tax bracket? Does this mean I should recommend her put money into the Roth TSP to save on taxes later instead of the regular TSP.

Thank you everyone for any advice. This is all really complicating to a non finance guru.





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g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 use promo code: FATSHNOOP1

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

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

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

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

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

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

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

Discussion Deals
Paying relative so they can contribute to ROTH
Added on : Tuesday July 01st 2014 06:00:10 AM
g: 0 Posted By: bluegreenturtle
Views: 21 Replies: 1 So, I haven't thought this through entirely, but I was wondering if it would be worth it, or somebody could poke holes other than the obvious ones.

1) I have a business, let's say I make $100,000 a year.
2) I pay my parents (who are retired and over 70 and have some, but not much earned income) the IRA max ($6500 each?) so $13,000 for services rendered.
3) I get to take the $13,000 off my sched C reducing all my taxes
4) They contribute all of the money to a ROTH, and slightly increase their SS benefits (I recently read an article that this is the most misunderstood thing about SS - if you keep earning after taking benefits, they keep adjusting your amount upward).
5) They gift the same amount back to me because I need it more than they do.

So obviously, they have to pay FICA taxes (and income taxes) on the paid amount. They have their own Schedule C's though so could probably reduce it some. They would be slightly increasing their SS benefits too.

Is it worth the onetime price of those taxes (let's say 20%) to get money into a ROTH for growth and income year over year? My dad's a pretty savvy investor and seems to have dividend streams in his various accounts averaging 8% + what I can only describe as astounding returns on his general portfolio the last 3 years. Although I would save that same amount in taxes, so over the entire family it's a wash, basically - they've said multiple times that the only reason they spend about 20 hours a week working on investments (research, etc) is to increase our inheritance. Their current IRA balances aren't that big so the RMD's are very low. Their taxable account is around $1M I think.

Is this a bad plan? I realize the overall dollar amounts aren't much so it may be work for little gain.


Personal Finance Deals
g: 0 Posted By: StartByServingOthers
Views: 1 Replies: 0 Some states have a no-fault tort that limits your rights to sue under certain circumstances. THe following pertains specifically to Kentucky, but some other states are similar:

In most instances the insurance company charges a higher rate if you "reject" the tort and retain your right to sue. (It also gives other people the right to sue you). However by accepting the tort you also are required to have some medical coverage on your policy. Really the overall price between these two options are pretty similar.

I assume the idea is that everyone benefits from not getting lawyers involved in small accidents. Anyways under the advice I've seen given here by SIS, I carry rather high under-insured and uninsured insurance. But despite how much I've researched this issue I'm not sure I entirely understand it.

Assuming I am in a moderate to bad accident:

Is there any benefit to having Rejected no-Fault? From what I understand No-Fault only limits my ability to sue for small amounts.

Is there any benefit to having the "medical coverage" on my policy?

I'll make another post showing my current coverages and information on the KY tort. I wasting my money rejecting the KY Tort? It looks like I would keep the ability to sue for serious accidents and also have medical coverage included for a lower price than I currently have?
Timberland Earthkeepers Newmarket 2.0 Cup 6" $21.99 F/S @6PM
Added on : Tuesday July 01st 2014 05:00:10 AM
g: 1 Posted By: lovelybones
Views: 217 Replies: 4 http://www.6pm.com/timberland-earthkeepers-newmarket-2-0-cup-6-b...

Enjoy the latest version of classic style with the Earthkeepers Newmarket 2.0 Cup 6" boot from Timberland.
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Pyle Stereo Bluetooth Headphones (PHBT5B) - $24.99 shipped @ Woot
Added on : Monday June 30th 2014 11:00:04 AM
g: 0 Posted By: hellokitty27
Views: 115 Replies: 0 Woot has the Pyle Stereo Bluetooth Headphones (PHBT5B) for $19.99 w/ $5.00 shipping.

Take Calls with Built-in Microphone
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Unlock more possibilities - Can be paired with 2 mobile phones
Bluetooth profiles supported: headset, hands-free, A2DP & AVRCP
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Free Kindle Book- Getting Waisted (was $15.95)
Added on : Monday June 30th 2014 04:00:02 AM
g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/dp/B00ITTU3E2

4.8 out of 5 stars (27 customer reviews)

Monica Parker bridges the divide between serial dieter's survival guide and memoir, taking readers on a hilariously funny yet bumpy ride from chubby baby to chunky adult.

In Getting Waisted, Monica begins every chapter with a diet she committed to and reveals how much weight, money, and self-esteem she lost, then she tells how much weight she gained when she fell off the wagon. After all, "no one tells a short person to get taller, or a tall person to get shorter, but fat people hear about their bodies all the time." From Living Large in a size zero world to jumping into the dating pool without causing a tidal wave of angst, Monica learns that when you stop buying what the diet-devils are selling and start liking yourself, life is far more rewarding. When Mr. Right appears out of thin air, will she run back to the catalogue of Mr. Wrongs out of fear? Readers will laugh and cry as she realizes that while she thought it was her body that was in the way, it was really what she kept in her head that needed adjusting.
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Mishap during Health Screening-Who is responsible?
Added on : Monday June 30th 2014 12:00:07 AM
g: 0 Posted By: OlDog69
Views: 69 Replies: 1 Working stiff on a weekend, went for a Free blood test clinic held in a shopping establishment. Passed out just after the blood test procedure, whilst sitting in the patients chair in front of the nurse. Later when I came back to my senses, found myself lying down on the concrete floor with my feet elevated on a chair. I was helped up on my feet and made to sit on a chair and then experienced unbearable, throbbing pain, which started in my back and ribs, all around my body under the armpits. After catching my breath for almost half hour, later, with great difficulty, I managed to limp out of the establishment and struggled home.
Presently I'm still at home after over two weeks on sick leave; have used up all my sick days, incurred co-pay expenses for Doc visits, X-rays, prescription drugs, back brace belt, over the counter pain relief gels/balms, etc. Am still in considerable pain, needing constant help to carry on simple daily living activities, having very limited mobility. Am now considering applying for Short Term Disability.
If you were in my shoes facing this horrible, life changing experience, caused by somebody man-handling my limp body from the chair to the floor, causing this severe muscle/nerve bruising to my Long Muscles; luckily no broken ribs! What would you do? What are my best options and who is responsible for all my pain and suffering? Any/all responses and advice will be greatly appreciated.
P.S. First time posting, so don't know much, but hoping I've done this right.
Question Deals
Mini AOR - bonus targeted.
Added on : Sunday June 29th 2014 03:00:07 PM
g: 0 Posted By: webdeveloper
Views: 101 Replies: 0 Already have a house and cars should last for 3-6 more years. Interested in signing up for the following cards in order to get as much of a signup bonus as possible.
Anything I should watch out for? Any other cards worth applying? Too many apps at once?

Currently active cards:
Amex Blue Cash Everyday
Amex Premiere Rewards Gold
Chase Freedom
Chase Southwest
Chase Slate
Discover More
Citi ThankYou Preferred
Citi Dividend World


Cards considered:
$500 - Barcley- miles and more
$400 - Barcley -Barclaycard Arrival Plus
$400 - Chase- Sapphire Preferred
$200 - BOA- Cash Rewards
$400 - Wells Fargo - Propel World
$200 - US Bank - FlexRewards
$400 - Capital One - Venture
$500 - Citi- Thank you Premiere

Total $3000

Edited: AddedBarclaycard Arrival Plus
Credit Deals
Balancing Luxury and Thrift
Added on : Sunday June 29th 2014 01:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 106 Replies: 3 I'm currently looking at a new position which would increase my salary significantly, to the point that if we take the rule of thumb that housing should be 25% of your gross income, I could pretty much afford to rent anything in the metro area, McMansion in the burbs, high rise condo downtown, etc. That being said, I don't see the wisdom in spending every penny I can on housing just because it fits my budget guidelines. While I could live in a hole in the wall for about $400/month, I've worked hard to avoid having to do just that. On the other hand, I don't see the wisdom in spending five times that every month on rent either. There are a lot of options which would fit my needs for $650-$1,200 per month, obviously with the $1,200 per month apartments offering many more amenities and luxuries which I would enjoy, but could also live without.

Obviously, I could balance this out by spending $400/month on rent, then $2,000 on H&B, but at that point, I'm still putting the luxury ahead of the thrift.

So, I'm curious how the FWF crowd balances luxury and thrift and this discussion goes far beyond renting an apartment. Let's say that you have enough in the bank to buy a crown vic or a BMW //M5 (and pay for the new engine you'll need a year later after posting an FWF thread about it) obviously one is nicer, but how do you put a price on that additional luxury?

tl;dr: How do you price something that is purely a luxury good over a commodity which will serve the same purpose? (Based on the assumption that you can afford both options)
Discussion Deals
Financial advice needed
Added on : Saturday June 28th 2014 03:00:06 PM
g: -3 Posted By: travelbro
Views: 105 Replies: 0 Today at work I saw the sexiest 60 year old lady I have ever seen. She was Brazilian with natural blonde hair and a nice tan. From her neck down she has the body of a 25 year old on her prime. The face looks like a 45 year old at most.

I told her she looked much younger and she new I was hitting on her. She got real close...

Wow never felt that before. I usually like 21-28 max range girls.

I just opened my vanguard Roth IRA do I max out my 401k or just the amount that they equal?
Personal Finance Deals
g: 0 Posted By: remick
Views: 104 Replies: 0 http://www.amazon.com/gp/product/B00HQ8WZES

4.7 out of 5 stars (22 customer reviews)

In this easy-to-follow book from AP Award-winning author Nicholas J. Meyer, who's been featured on the top natural health sites in the U.S. including Mercola.com and Natural News, you'll learn:

-What organic foods last the longest (and give you the most value)
-The one simple trick that can save you as much as 67% on organic greens
-Tips for storing, preserving, and maximizing the freshness of organic food
-A rarely-used buying trick that can save you as much as 89% (!) on organic groceries according to one recent university study
-And most importantly, how to save ten times more money than the cost of this book in less than a week!

Are you ready to enjoy the benefits of going organic on a budget?
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MicroCenter Unlocked Iphone 5S $150 discount
Added on : Friday June 27th 2014 05:00:05 PM
g: 0 Posted By: leot
Views: 159 Replies: 0 I just bought one at Houston, 5S 64G. 849-150=699 + tax . Not much left in Houston store. But I can see online there are still a lot at Atlanta store.
Good luck!
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Free Kindle Book - The Amazing Animal Superbook
Added on : Friday June 27th 2014 06:00:17 AM
g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/gp/product/B00BNZHSU6

Did you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.

Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.

This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
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g: 0 Posted By: blueribb
Views: 198 Replies: 0 http://www.walmart.com/ip/Seiki-Digital-SE50UY04-50-4K-UHD-2160p-120Hz-LED-HDTV/33490006

For those following the recently popular Seiki 39" ($350 AC)& 65" ($999)4Kthreads, WalMart is now offering the 50" version for an unbelievable $449. The 4K portion of the set doesn't offer much visible improvement over 1080p versions with today's available source material but for those using it as acomputer monitor, this is where it shines. If your video card or integrated graphics is capable of driving the 3840 x 2160 Ultra HD resolution, you can have the best of both worlds (at least until the 60Hz / display port barrier is broken). There is some great advice on setting up a 4K TV for monitor use in this thread: http://www.fullofdeals.com/forums/hot-deals/1368219/

There has been some concern over the warranty and reliability of the Seiki brand. I surely couldn't see spending $100-200 to ship a defective unit back for warranty repair. You might want to consider an extended warranty from either WalMart or SquareTrade.

WalMart's extended warranties: http://see.walmart.com/walmart/protection-plans/

3 yr $44
4 yr $55
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g: 0 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 700 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.



VISUAL BASIC: Introduction To Programming
http://www.amazon.com/gp/product/B00JU9RPAA

I wrote this book to bring the basics of programming in Visual Basic to you without cluttering the issue with too much information too soon. It focuses on console applications to bypass the tendency to jump into programming feet first, and ending up with lots of bells and whistles that doesnt really accomplish anything. It is, however, detailed enough to start any reader on the exciting road to programming.
The examples are detailed enough to give a good introduction to Object Oriented Programming (OOP), without clouding the learning process with some of the more difficult principles of OOP.
The book is short enough to be read in one sitting, but not so short that it doesnt accomplish what it sets out to do.
All the resources used to do the programming shown in the book can be downloaded from the World Wide Web without any costs. I have included all the necessary links to the sources used.
I really hope you enjoy reading this book just as much as I enjoyed writing it.
In a few minutes you can be an your way, and who knows what the future holds for you in programming.
Optimize the performance of your computer system with the efficient operation of the Intel Core i7-3930K BX80619i73930K Unlocked Processor.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

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

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

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

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

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
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g: 2 Posted By: mictester
Views: 340 Replies: 3 Bloomingdale's has the machine and the Aero frother for $99. This is a good deal because the frother costs almost that much (this is the older model).

http://www1.bloomingdales.com/shop/product/nespresso-essenza-esp...

It is possible to get free shipping if you sign-up for their list (which is free). Plus, there is a 10% discount coupon for signing-up. The links are at the bottom of their home page. It goes to a third party (their list management service), so I am not posting link here.
Appliance Deals

Bloomingdales Coupons
List of Banks/CUs "Good" To Have For Various Reasons
Added on : Thursday June 26th 2014 05:00:10 AM
g: 0 Posted By: robronson
Views: 183 Replies: 1 In the past, opening a bunch of new bank accounts in a short period time was not a problem. In modern days, it can lead to adverse action as data mining/aggregation is more widespread, government anti-money laundering rules are stricter, and banks view this as risky behavior. Further, the account opening bonuses for many banks are becoming either non-existent, or much smaller. Thus, it may make sense to pre-plan opening a smaller number of bank accounts as small bonuses become available, not for the meager bonus money, but for access to the account. This could be for rate-chasing purposes or for access to best-in-class products one institution may offer over another.

For example, NFCU offers amazing 0% fee BT deals. They also, on occasion, offer a small bonus to sign up ($20 I think). It's a good idea to have an NFCU account (if you're eligible), but if you don't need one right now, it makes sense to wait for the next $20 account opening promo, and then just sit on that account until the next BT deal. That allows you to maximize the bonus while spacing out the account opening to look less suspicious.

Another example is Barclays. They seem to offer really high CD rates. I'm not currently in the market for a CD, but I may be next year, so I'm looking for any small bonus to open an account with them. I'm in no rush to do so, because I am at least 1 year out from needing to buy a new CD, so I have the luxury of waiting for the small bonus, and spacing out the account opening from other accounts.

The purpose of this thread is two fold:

1) To discuss whether this is a worthwhile strategy.

2) To make a list of banks and credit unions for us to keep an eye for bonuses that might not be worth the Chex inquiry/hard pull for the $20 bonus, but might be worth having the account for actual use, and free money is free money.

If the consensus is this a good idea, we can keep the quick summary updated with links to other FWF threads as small bonuses arise for any worthwhile banks/CUs.

I'll start:

Alliant Credit Union - offers a meager signup bonus on occasion. Has decent rates on HSAs and checking/savings account. Used to be one of the highest rates of any bank, has gone down over time, but is still very respectable and in the top quartile.

Navy Federal Credit Union - amazing credit card BT deals. Offer an obscenely high credit limit to people who probably don't deserve it, which could be you.


Deposits Deals
Free Kindle Book - Getting Started: Visual Astronomy
Added on : Thursday June 26th 2014 01:00:11 AM
g: 0 Posted By: remick
Views: 33 Replies: 0 http://www.amazon.com/gp/product/B00KRFPS28

If you have ever wanted to view the wonderous objects of our solar system and beyond, here is the how-to manual to get you well on your way.

From purchasing your first telescope, through setting it up and finding objects, to viewing your first galaxy, this book contains everything you need. See how to read star maps and navigate the celestial sphere and much more with plenty of pictures, diagrams and charts to make it easy.

Written specifically for the novice and assuming the reader has no knowledge of astronomy makes sure that all topics are explained thoroughly from the ground up. Use this book to embark on a fantastic new hobby and learn about the universe at the same time!

Learn how to:
* Choose binoculars for astronomical use
* Pick a telescope
* Select appropriate eyepieces
* Calculate magnification
* Locate celestial objects
* Record your observations
* Set up, balance and polar align EQ mounts
* Collimate your reflector telescope
* Read star maps
* Navigate the night sky
* Measure the angle between celestial objects
* Estimate an objects magnitude or brightness

Contains tables through 2025 for:
* Lunar eclipses
* Solar eclipses
* Transits
* Conjunctions
* Meteor showers
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g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 use promo code: G6CC6FC7

shipping adds $5-6 or free with Prime

Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
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Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
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Amazon Coupons
DC Men's Sale and Coupon Code: Up to 50% off and 30% off Coupon Code
Added on : Wednesday June 25th 2014 07:00:07 PM
g: 0 Posted By: Advertisement
Views: 146 Replies: 0 DC Men's Sale and Coupon Code: Up to 50% off and 30% off Coupon Code SALE30. Ends July 3.</a> <IMG border="0" width="1" height="1" src="http://ad.linksynergy.com/fs-bin/show?id=*7WaaTN6umc&bids=296488.131&type=3&subid=0

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

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

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

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

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

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

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

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

Does anyone know what his liability is?
g: 11 Posted By: ltcm
Views: 5686 Replies: 99 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

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

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

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

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

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

Thank you for your time.
Personal Finance Deals
Free Kindle Book - The Definitive Guide To Apartment Marketing
Added on : Tuesday June 24th 2014 07:00:09 AM
g: 1 Posted By: remick
Views: 185 Replies: 0 http://www.amazon.com/gp/product/B00D5G1TDI

In this incredibly in-depth guide to Apartment Marketing, Josh Grillo (of Resident360.com) gives an amazing amount of detail on pretty much everything you need to know for increasing leads, leases and retaining more residents at your apartment communities.

From the basics of handling negative online reviews to advance strategies of converting more prospects into leads from your apartment websites.

A must have reference guide for apartment owners and property management companies that want to get the most out of their marketing.

With Definitive Guide To Apartment Marketing you will learn:
How focusing on traffic, conversion and service can increase your occupancy and NOI
The seven points that make up a good apartment marketing strategy
How to schedule more community tours and close more leases
One strategy that can give you an immediate boost in apartment reviews and ratings
How and when to ask for resident testimonials
The key components that make up a good apartment website
How to drive more traffic to your apartment website
How to stay in front of your website visitors after they leave your website
The most profitable marketing tools that generate the largest amount of leads and leases
Do not miss this blueprint for increasing leads, leases and retaining more residents at your apartment communities.
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g: 1 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/gp/product/B009SGITDW

TRAVEL MONEY TIPS for anyone who wants their travel dollar to go further. Want to travel the world, but don't think you are rich enough? In this book a life-long traveler will show you how to travel further, for longer, for less. sometimes much less, money than you'd ever imagine.

Learn how to set a realistic budget for your next trip, and learn the single most important factor that determines your trip's price tag (Hint: it's not the quality of your hotels or the length of your trip).

Once on the road, this book describes how to best setup your financial life to manage your money while you travel.It also covers tips and tricks to minimize those pesky transaction fees that your bank like to charge, just because you want to use your own money overseas!

The last third of the book the author shares her favorite tricks and tips developed over 30 years of travel: tips to save money on everything from accommodation to sightseeing.
Totally Free Deals
Loyal3 Transfer Account
Added on : Tuesday June 24th 2014 05:00:09 AM
g: 0 Posted By: cjwray
Views: 76 Replies: 0 Hi,
I have bought several stocks commission-free at Loyal3.com. I also have a TDAmeritrade account, and was wondering if I could transfersomeof the stocks from my Loyal3 account to my TDAmeritrade account. I feel as though TDAmeritrade is much easier to use and I would like to consolidate my holdings. I've read (and this is only from one source, there is not much information about this) that Loyal3 will close your account if you transfer your assets to another broker. I would still like to maintain the ability to purchase commission-free and am curious whether they would close my account if I only transferred some of the stocks.

Thanks
Investing Deals
How much can I expect to pay for this roundtrip ticket?
Added on : Monday June 23rd 2014 03:00:05 PM
g: 0 Posted By: rza1
Views: 69 Replies: 0 I've been looking for a NYC to LAX round trip ticket in middle of August (roughly August 10-24 but +/- 3 days). I am only seeing prices around $500-600. Can I find cheaper prices later? I was hoping to spend around $300-350 round trip like last time.


Question Deals
g: 0 Posted By: ctgolfer
Views: 185 Replies: 0 Product Information
The seven-horsepower DuroStar DS4000S generator can be a supplemental source of electricity and comes in handy during power-outages. With an EZ-pull recoil start and a four-gallon tank, this unit can run for a maximum of eight hours at 50% power.

Location and Use
The unit can be transported in a large trunk, flat-bed truck or even an RV. The generator should never be used indoors. Incorrect use of the generator might lead to carbon monoxide poisoning from toxic exhaust fumes. Using a generator outdoors is the recommended option. If it is raining, the generator should be placed under an elevated tarp, or a small overhang. Water damage to any electrical parts of the generator may render it useless. Furthermore, the unit should be at least three feet from a wall or drapery and should be kept away from a. a flammable structure. About the Engine
This DuroStar DS4000S generator has an air-cooled OHV engine with a low-oil shut-off, adding to the durability of this generator. An external warning light will come on when the fuel is running low. After 20 hours of use the generator should have an oil change to ensure the parts do not overheat. Additionally, the oil drain beneath the generator will need to be emptied occasionally so as not to overflow. A full power panel on the DuroStar 7 HP generator that houses the fuel gauge also has a volt meter indicating exactly how much power is being generated. Also, the unit has a circuit breaker, so that if the system is overloaded, it will automatically turn off the affected unit in an effort to prevent damage. A maximum AC output of 4000 watts enables the generator to power several small to medium-sized appliances. A heavy system frame on the DuroStar 7 HP generator has four-point isolated motor mounts for smooth and quiet operation.

Certifications and Utilization
The unit is approved by the EPA, an important feature for modern appliances. To be EPA-certified the manufacturing process and the parts have to be in compliance with current standards and the unit should ventilate properly. Power specifications of this 4000-watt generator include two 120-volt, 20-amp, and 60 Hz NEMA 5-2 0R outlets. Furthermore, one 120-volt, 30-amp, 60 Hz NEMA L5-30 outlet is included on the unit. The plug for this single outlet differs in design for high-powered appliances that can handle a 2880 VA equipment load. Always ensure the unit is not overloaded, and perhaps only at half-capacity. If the electricity requirements are unknown, it is best not to plug the appliance in. Attempting to power an entire home with the generator can lead to an electrical fire.

Overall Use
The powerful 4000-watt generator has a 69 dB muffler system that will reduce overall engine noise significantly. Also, a four-stroke OHV single cylinder engine with a forced air cooling system ensures the unit does not overheat. To prevent potential igniting, the container should be sealed tightly to stop the vapors from entering the air. The unit should be completely turned off before fuel is added to reduce the risk of fire. Also, if the engine is hot, any gasoline that is spilled will potentially ignite. The fuel required by the manufacturer is the only fuel that should be used. The use of a non-preferred fuel could damage the unit or result in injury. Overall, the unit weighs approximately 90 pounds when no fuel is added. This portable generator comes with a tool kit as well as an operating manual. Measuring 20 inches wide by 27 inches long by 22 inches tall, the generator is fairly compact. When the generator is no longer needed, the owner should clean the unit to remove debris. When not in use, the generator should be stored in a well ventilated area to prevent harmful fumes from building up.

Product Identifiers
ModelDS4000S
UPC811640011840
MPNDS4000S

Key Features
Generator TypePortable
Horsepower7 HP
AC Max Output4000 Watt
Run Time8 Hours at 50% Maximum Output

Features
Fuel Tank capacity_Display4 gal.
Cooling systemAir
Volt meterIncluded

Dimensions
Weight94.01 lbs

Miscellaneous
Starter TypeManual


www.ebay.com/itm/DuroStar-DS4000S-Gas-Powered-4000-Watt-Portable...
Tools Deals

eBay Coupons
The Reason for the Season T-Shirt $8 w/FS @ Woot
Added on : Sunday June 22nd 2014 11:00:06 PM
g: 0 Posted By: ctgolfer
Views: 105 Replies: 0 We love you so much we are expediting your shipping for FREE. Arrives by 7/3.
Design Placement: Centered

Design Size:
3X - M, WXL - WL: 13.22 x 6.95
S, WM - WS, K12 - K8: 11.01 x 5.79
K6 - K4: 8.67 x 4.56

Pantone Colors: 199C - 281C - White

Features:

Fiber Content: 4.5 oz 100% Combed Ringspun Cotton
Manufactured In: Honduras/Nicaragua
Printed In: Carrollton, Texas, USA

www.woot.com/offers/the-reason-for-the-season-15
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woot! Coupons
2015 Insurance price hikes - post yours here
Added on : Sunday June 22nd 2014 07:00:06 AM
g: 0 Posted By: xerty
Views: 312 Replies: 6 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
2015 Obamacare price hikes - post yours here
Added on : Sunday June 22nd 2014 06:00:08 AM
g: 0 Posted By: xerty
Views: 188 Replies: 4 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
Free Kindle Book: CyberStorm by Matthew Mather at Amazon
Added on : Sunday June 22nd 2014 04:00:07 AM
g: 1 Posted By: ThriftyNet
Views: 136 Replies: 0 Check price before you click buy (knowing how quickly prices change).
Currently CyberStorm by Matthew Mather (Kindle Edition)is free at Amazon.

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

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


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

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


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

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


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

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


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

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


New on 6/22

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

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


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

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


Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 284 Replies: 2 PowerIQ technology intelligently communicates with connected devices to maximize both compatibility and charging speed (Max speed of 3 Amps among 2 ports).
10000 mAh of capacity charges an iPhones four+ times or large-capacity phones like the Galaxy S4 more than twice.
At only 0.59in thick, it's ideal for grab-n-go use. 4 LEDs display just how much juice you've got left. Reliable lithium polymer core ensures quality and supplies 500+ lifetime charge cycles.
Input: 5V / 2A; Use a 2A adapter (not included) for fastest charge times (6 hours).
Package contents: Anker Astro E3 External Battery, accessories, user manual, 18-month hassle-free warranty.

www.amazon.com/dp/B009USAJCC/
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 204 Replies: 0 PowerIQ technology intelligently communicates with connected devices to maximize both compatibility and charging speed (Max speed of 3 Amps among 2 ports).
10000 mAh of capacity charges an iPhones four+ times or large-capacity phones like the Galaxy S4 more than twice.
At only 0.59in thick, it's ideal for grab-n-go use. 4 LEDs display just how much juice you've got left. Reliable lithium polymer core ensures quality and supplies 500+ lifetime charge cycles.
Input: 5V / 2A; Use a 2A adapter (not included) for fastest charge times (6 hours).
Package contents: Anker Astro E3 External Battery, accessories, user manual, 18-month hassle-free warranty.

www.amazon.com/dp/B009USAJCC/
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 3 tools in 1, easily converts from mower to trimmer to edger
AFS automatic feed system ensures continuous work without bumping and having to stop
Power Drive Transmission prevents bogging down
Adjustable height deck & trimmer and pivoting handle
Includes 2 batteries for extended run time
www.amazon.com/dp/B00HH4K548/

also available:

Black & Decker 12-Inch 3-in-1 Trimmer/Edger and Mower - $79.99
AFS automatic feed system ensures continual work without bumping or having to stop
Gear Drive transmission prevents bogging down
Easy conversion wheeled edging
The 6.5 amp motor provides maximum performance
www.amazon.com/dp/B00HH4K6XS/


Black & Decker MTD100 3-in-1 Removable Mower Deck - $39.99
3 tools in 1- easily converts 12" trimmer/edger to mower
Adjustable height deck for ideal cutting height
Compatible with NST2118, LST220, LST300, LST400, to convert from trimmer/edger to mower
Wall hanging option to make storage much easier
www.amazon.com/dp/B00HH4K6TC/
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Amazon Coupons
The Beatles: Mono Box Set - CD $124.99 w/FS @ Best Buy
Added on : Saturday June 21st 2014 07:00:04 PM
g: 0 Posted By: ctgolfer
Views: 43 Replies: 0 The Beatles: Mono Box Set: Release Notes: Muze
Personnel: Paul McCartney (vocals, bass guitar); Ringo Starr (vocals, drums); John Lennon (vocals); George Harrison (guitar).Engineers: Norman Smith; Geoff Emerick; Glyn Johns; Jeff Jarratt; Ken Scott; Martin Benge; Peter Bown; Phillip McDonald; Barry Sheffield.Audio Remasterers: Sean Magee; Steve Rooke; Guy Massey; Paul Hicks.Liner Note Authors: Derek Taylor; Alan Rouse; Kevin Howlett; Tony Barrow.Photographers: Robert Freeman; Robert Whitaker; Michael Cooper.The STEREO BOX SET be the official canon, but what Beatlemaniacs have really craved is the MONO BOX SET. This limited-edition box is laden with new-to-CD mixes, including the genuine rarities of the previously unreleased mono mixes of the four new songs from Yellow Submarine, and its packaging is gorgeous, filled with mini-LP replicas with stiff cardboard sleeves of every album from Please Please Me to The Beatles, complete with replicated gatefolds and packaging inserts, all protected in resealable plastic sleeves. As pure physical product, this satisfies any collector itch, but this also is arguably the better-sounding of the two sets, providing ample evidence that the Beatles did spend more time on mono mixes during much of their career. For generations of listeners raised on stereo mixes, there are plenty of surprises here, from the faster versions of "She's Leaving Home" and "Don't Pass Me By" to the numerous little differences that pop up on SGT. PEPPER'S, THE WHITE ALBUM, and REVOLVER, all adding up to dramatically different experiences. Sometimes, the density of mono just has more force-- "Lady Madonna" rolls like a freight train, "I'm Down" hits to the gut--and sometimes the colors just seem more vibrant; in either case, there's enough emotional difference to make this worthwhile for the dedicated, and depending on taste, it may even be preferable. But there's no question of one thing: of the two sets, as a package, the mono box is a thing to behold. And there's also no question that those who waited 22 years to hear a better version of the Beatles will not be disappointed (although they may still wonder why it took so long for the Fabs to be treated as they deserve).

www.bestbuy.com/site/the-beatles-mono-box-set-cd/9459276.p?id=20...
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Kaiser Bill via ObamaCare Bronze Plan...
Added on : Saturday June 21st 2014 04:00:09 PM
g: 0 Posted By: inac
Views: 25 Replies: 1 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
First Kaiser Bill via ObamaCare Bronze Plan - Expensive?
Added on : Saturday June 21st 2014 11:00:09 AM
g: 0 Posted By: inac
Views: 71 Replies: 2 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




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

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


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

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


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

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


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

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


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


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

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


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

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


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

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

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

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

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

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

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

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

Here's some random ideas that may work:

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

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

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

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

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

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

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

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 0 Posted By: avash
Views: 218 Replies: 0 Deal just got hotter.

Was originally posted at $529.99, before lowered to $519.99 a few days ago. Now it's even cheaper at$498.00shipped and sold by Amazon.com which is an awesome deal for it. Amazon link

Previous threads for reference:12

Highlights:

16.1MP APS-C sensor, up to 10 fps shooting
Fast Hybrid AF with phase detection
AVCHD 1080 60p/60i/24p HD movies
XGA OLED electronic viewfinder
Built-in Wi-Fi
Quick Navi controls
E-mount 16-50mm lens


I used to have a NEX-5N with the 18-55 kit lens and sold that on CL after getting the NEX-6 with 16-50 PZ kit lens included. I also have the SEL35F18 prime lens and the SEL20F28 pancake lens which are both great lenses to have on the lower (wide) coverage. I primarily use the 20mm pancake with decent light since it's nice and wide and switch to the 35mm prime in low light, or the 16-50PZ when prime lenses won't work and I need something more versatile and low light isn't an issue.

What I love:
- Wi-Fi (I use PlayMemories App on my Windows 7 laptop and Android smartphone to get pics from my camera without needing to use the USB cable)
- On-board charging through the micro-USB port (no need to carry an external battery charger)
- Hybrid phase and contrast detect for faster focusing (vs. contrast only detect from my old NEX-5N)
- electronic viewfinder which automatically toggles on through a proximity sensor (awesome for bright outdoor use, not having to use the screen)
- 16-50mm power zoom lens compactness and reduced weight (vs. the 18-55 kit lens from my old NEX-5N)
- it retained the articulating screen from the NEX-5N (can't do self portraits as the screen doesn't flip 180degrees but you can use Wi-Fi to remotely view and trip the shutter, YAY!)
- universal hotshoe vs. proprietary port (actually a bit of a lie, it's Sony's Multi Interface Shoe which combines universal hotshoe and their own port, so best of both worlds I suppose)

What I don't mind:
- Increased size, but not a bad trade off considering better grip, ergonomics and weight seems the same thanks to lighter 16-50mm PZ lens.
- Loss of touch screen, but not a bad trade off considering I've adapted quite well as the new physical mode dial accomplishes about 80% of what I used to do on the touch screen.
- 16-50 PZ lens doesn't feel as nice as the 18-55 manual zoom kit lens but not bad considering it's made it MUCH more pocket-able which is why I got the NEX in the first place.

What I don't love:
- Decreased battery life, reviews say less shots per charge, even less when using the EVF a lot. I have played with the settings to maximize battery life.


If you were on the fence about it, this is a great price for a very competent mirrorless interchangeable lens camera from Sony.
The reason the price is so low is because it's being clearanced out in favor of newer models with better hybrid phase detection, different screen articulation, new Alpha naming instead of NEX, etc.
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How much of net worth should go into primary house
Added on : Friday June 20th 2014 01:00:05 PM
g: -1 Posted By: David415
Views: 169 Replies: 2 Hi Guys,

Just wanted to see what people's opinions are on this topic. Some background first. I live in the San Francisco Bay Area where house prices are expensive. My wife and I make combined 250k/yr. Me and my wife are in our mid-late thirties.

Here's my general situation:

200k cash savings
825k stocks
580k retirement accounts
250k investment condo with a 250k mortgage (I exactly breakeven on this condo each year. so don't really need to figure this in really)
890k primary house with a 500k mortgage
No other debts
Assume no inheritance money in future

I'm thinking of upgrading to a bigger house and renting out my current one. I believe I can rent out my current house and it will cover all expenses such as mortgage, insurance, taxes. Here is where I would like to see what you guys would do. The house I'd like to move into is 1.5M. If I got a house like that I would be happy staying there forever, but a big chunk of our monthly income would go towards mortgage. We could do it but probably would have very little to invest in other things. Or I can buy a slightly smaller house at around 1.3M or just stay in my current house a little longer like 3 years and then buy when I've saved a little more.

To me I think a house is a relatively safe investment over the long term. Since I plan to live here for a long time I don't see it as much risk at all and it might be good to just get the house you want early and enjoy it for a very long time.

What do you think?
New User Question Deals
g: 0 Posted By: ctgolfer
Views: 30 Replies: 0 Sold and Shipped by: Sunvalley

HooToo - Future Network for Today

By combining a router, external battery, AC adapter, and personal cloud into one compact device, the Tripmate Elite is the ultimate travel companion.

Travel Router:
- Plug an Ethernet cable into the WAN port(receive signal, not a LAN port), seamlessly turns a wired connection into a wireless network (wireless b/g/n, 150Mbps, AP/Router/Bridge).
- Easy setup in minutes.

Personal Cloud:
- Share media for up to 5 Wi-Fi enabled devices (iPhone, iPad, Android, etc) simultaneously.
- Stream movies, music, and photos to all Android, iOS, and Windows devices.
- Supports any USB storage device(Mac formatted hard disk is not supported) including: external hard drives, flash drives, etc.

External Battery:
- Built-in 6,000mAh external battery can charge most phones 2-3 times.
- High-capacity lithium-ion Samsung Cells to ensure quality.
- LED Battery Indicator displays how much juice is left.

Dual USB Wall Charger:
- Foldable AC plug connects the unit directly to the wall without the need for a cable.
- Can charge up to two USB devices simultaneously.

Before Buying:
- Cannot bridge iPhone hotspot
- Cannot be used for IP camera FTP path
- Windows phone App is coming soon

Package Includes:
- 1 * HooToo TripMate Elite (HT-TM04)
- 1 * User Manual
- 1 * USB cable
- 1 * Mesh Case

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getting fired and ready to cash out 401k.
Added on : Friday June 20th 2014 09:00:09 AM
g: 0 Posted By: 2hotforu
Views: 306 Replies: 13 So here it goes. I am about to be forced out of my job. I will need my 401k funds to live on after about 4 months. Anyone know of a calculator that will let you know exactly how much you will get after the gov. sucks their share out?
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Specific mortgage request, Loan officers please review
Added on : Friday June 20th 2014 04:00:13 AM
g: 0 Posted By: SoCalJohn
Views: 31 Replies: 0 Much to my dismay, my wife has decided that she wants a bigger house with a bigger yard. I currently own 2 houses in the same city, I will have to cashout both houses to come up with the downpayment for the new house and possibly sell one or both after acquiring the new mortgage.

I am just about done with a cashout refi on a condo owned free and clear, 70% ltv investment property 4.875% no costs no fees 30 year fixed $500k value
Primary residence $1.3M value owe $500k on first mortgage with Heloc of 170k with third federal

Issue is that we have a short sale from 3+ years ago, it did not effect the cashout conventional with our 700+ fico scores, but I have been shut down by morgan stanley and bank of america for jumbo cashout with short sale.

Can any of you mortgage guru's steer me to a lender that will cashout a jumbo loan with a short sale?

I have found financing on the 2M purchase, 40% down stated income 1 year arm at 4% for a .25 discount point cost. Only requirement is 60 months PITI reserves, which we will have after cashing out both properties with 60% of 401k counted.

Thanks for any help

Properties are all located in Southern California, Primary is SFR
Personal Finance Deals
g: 0 Posted By: BigBoyMichigan
Views: 236 Replies: 1 STARTING SEPTEMBER 01, 2014

I Got word today that McDonalds in the USA will be starting their McDonalds Monopoly in September, So here is a sneak preview!

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
*** COMING SOON ***



SPECIAL MCDONALDS RULES ABOUT THE GAME:
=======================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
*** COMING IN SEPTEMBER ***

* .................4 peels
* .................4 peels

* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels

* Check with store as once the peels runs out on a certain product, They will NOT be resupplied.



NEW PRIZES THIS YEAR:
=====================
**** COMING SEPTEMBER 2014 ***




McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk


if you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for Redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.



Totally Free Deals
g: 0 Posted By: BigBoyMichigan
Views: 27 Replies: 0 STARTING SEPTEMBER 01, 2014

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
*** COMING SOON ***



SPECIAL MCDONALDS RULES ABOUT THE GAME:
=======================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
*** COMING IN SEPTEMBER ***

* .................4 peels
* .................4 peels

* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels

* Check with store as once the peels runs out on a certain product, They will NOT be resupplied.



NEW PRIZES THIS YEAR:
=====================
**** COMING SEPTEMBER 2014 ***




McDonalds Monopoly 2014 Rare Pieces:
==============================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk


f you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.



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With Unlocked Multiplier from factory this Intel Core i5-3570K BX806237i53570K Processor is an Overclocker's dream!Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Free Kindle Book - Essential Fish Care In Aquaponics
Added on : Thursday June 19th 2014 07:00:06 AM
g: 0 Posted By: remick
Views: 103 Replies: 0 http://www.amazon.com/gp/product/B00DLHL3BO

As Aquaponics becomes more popular with gardeners and enthusiasts everywhere, sometimes basic fish health and proper care, can be overlooked. Much of this is largely due to not enough knowledge about their needs requirements and living conditions. This book is designed to give the beginner and mid-range Aquaponic grower a good foundation in providing the best possible care to their fish. All those little questions people ask about raising fish in Aquaponic systems can be answered in the Essential Fish Care Book. These living, breathing creatures will provide a healthy source of protein at the dinner table, if we take good care of their needs first.
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banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Figuring Out Credit Card Interest
Added on : Wednesday June 18th 2014 09:00:14 AM
g: 0 Posted By: nickygrahn
Views: 165 Replies: 1 Hey guys, I've done a bit of browsing on these forums in the past and finally made an account! I am wondering if you can help me figure something out:

I have a Discover credit card that has 22% APR which I've used for months now. I've always paid off the statement balance as I use this for my business. Just lately, I had to put a major repair on my credit card and will not be able to pay off the full balance. It's currently at $2700 and the payment due date is in a couple weeks. Does anybody know what extra I would be paying if I put $1500 towards it now and wanted to the pay the rest off in August? I've never had to do this and am worrying about how much they will make on me even if I pay it off within a couple installments. Thanks so much for any responses!
Personal Finance Deals
owning and managing a mid size apartment building
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: bxd20
Views: 218 Replies: 2 I have personal experience owning/renting/managing single family homes and duplexes. I have generally preferred the single family homes. In the neighborhoods I feel most comfortable, these are roughly $100,000 homes that rent at around 1% of that per month.

I was browsing MLS listings the other day and ran across a much larger property that I have no experience with. For about $600k, there is a 24 unit building available. Rectangular basic box shape, all brick, built in 1964, total sq ft about 16k, sitting on about 1 acre.

Granted these are small units at 670 sq ft and very plain inside. But they are kept up, in good shape, and the building is fully leased at around $600/month. It is listed as "commercial", I don't know what tax implications that brings about.

This is the first time I've even looked at something like this and the numbers look too good to be true. Even if 4 of 24 units goes vacant, we are talking a monthly rental intake of 2% of purchase cost, double what many here on FW would consider investment grade.

I have the skills to handle all mild to moderate repair and updates myself. If I quit my job, I would have the time to manage the 24 units. (Let's leave that angle out of this thread for now.)

I'd love to hear from other people that have buildings in this general size range. Do you find that the cookie cutter design makes repairs easier, because you know what to expect in each unit? Do you find that common area repairs (roof, drive, parking), while being more expensive and requiring a lot of cash, are easier to manage as projects, than having several smaller properties to juggle and visit? Wouldn't the lost income when someone moves out be much lower than a single family home because a smaller fraction of my investment is unrented at any given time?

I'm having a hard time thinking of negatives, besides the fact that the tenants are more likely to be young, single, perhaps careless, and more transient. But compared to spending $600k on 6 single family homes, we're talking twice the rental income. Seems worth the potential tenant issues.

Thank you to everyone with experience that weighs in!
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Best way to transfer $500,000 CAD to US bank?
Added on : Wednesday June 18th 2014 06:00:16 AM
g: 0 Posted By: jaybeaummont
Views: 1192 Replies: 18 I expect to receive an inheritance from Canada.....$500,000 CAD, that I would like to have sent to a bank here in the US.

I have inquired at several local banks, Wells Fargo, Bank ofAmerica, TD Bank, etc, and have been told that they will charge anywhere from 1% to over 2%, plus a small transaction fee. Of course they all say they can't give me an exact number because the exchange rate changes from day to day, and I understand that. But I would like to know, at the time I give the originating bank, in Canada, the go ahead to do the wire transfer, how much less than the spot rate I will receive.Can anyone advise me on how to go about this?

Also, I have an investment account with Vanguard, and I inquired as to how much they will charge if I have these funds wired to this account. They tell me, no charge! I find this hard to believe, and I don't quite trust them to give me the spot rate.

Advice appreciated.

Jay





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Free Kindle Book - Contact Aliens Within 30 Days. A 2014 How to Guide
Added on : Wednesday June 18th 2014 05:00:11 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/gp/product/B00K4ASH1U/

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Help with buying Honda CRV EX 2WD
Added on : Tuesday June 17th 2014 11:00:07 AM
g: 0 Posted By: mpennyranger
Views: 6 Replies: 0 Hi!
I am in the market for a new car and have pretty much settled on the Honda CRV EX 2WD, although I will be going in this weekend to test drive and nail down my preferred features, color, etc. I was planning/hoping on negotiating the car price down as low as possible, and have read lots of websites for advice (including this super helpful thread:http://www.fullofdeals.com/forums/finance/1001920/?start=0)

I was hoping that anyone with more experience could help me nail down the specifics for my purchase, particularly timing. I would like to get it sooner rather than later, but I am not in a super rush--so waiting an extra month or two to save $100 wouldn't be worth it to me, but it would be worth it to save $500+. I will be paying in cash, so financing deals aren't useful to me--although I would consider a 0% financing deal, although that is not available right now from Honda (I also have very good credit). I plan to solicit bids via email, since I feel better/more confident negotiating on email than over the phone or in person, although if need be I can make a few calls for the final round. I am in Los Angeles, and am willing to drive probably up to 50-75 miles for a great deal, but there are also tons of dealerships in the area.

The bottom line to me is the price, and I am sure everything else (day of pick up, color, miles) is negotiable within reason. I am willing to go for 2014, and probably even 2013 (if it is around somewhere but still new).

So, help me please! My main questions are:
1) When should I aim for closing this deal? Fourth of July weekend? Labor Day weekend? Before the 2015s are released? After?
2) Where can I find the accurate Invoice price? (or does anyone know what this is for the Honda CRV EX 2WD?)
3) Where can I find information on the amount of dealer holdbacks? (or does anyone know what this is for the Honda CRV EX 2WD?)
4) Should I get the dealer to order it for me from the factory? (I have heard this is a good method b/c its like a "free car" for the dealer, since they don't have to use any of their floorspace to sell, so any sale even with minimal profit, is good)
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g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
g: -1 Posted By: Deals4mykids
Views: 243 Replies: 0 http://www.a4c.com/dailydeal

The Asus Tablet EEE Pad Transformer Prime is among the best value high quality tablets currently on the market, featuring blazing fast speeds, HDMI compatibility for mirroring your display to view media on your HDTV in 1080p high-definition, and much more. Perfect for the whole family, this tablet will surely revolutionize how you interact with the world around you.

Runs Android version 3.2 Honeycomb (upgradeable to version 4.0 Ice Cream Sandwich)
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Local/Regional Business Ideas
Added on : Tuesday June 17th 2014 05:00:07 AM
g: 0 Posted By: David2k8
Views: 92 Replies: 0 I have been interested in starting my own business for awhile, but do not really know where to start. Specifically, what kind of business/service to focus on. Understandably, most business owners are reluctant to give much information, as they do not want to add competition and have others copy their business models. I posted a thread awhile back about this, and it was helpful, but a lot of people did not give much in specifics.

I was thinking that there must be people on FW who own business's that are specific to the region and/or local area they are in, and revealing what they are doing anonymously online wouldnt damage or threaten their business, but could maybe help others apply what they are doing to where they live.

The questions from my old thread were, and I think they would apply here,

Where did you get the idea for your business, and what is it? What product or service are you offering?

What experience did you have in the field?

How did you get the courage to "take the plunge"?

Did you start from scratch, buy an existing business/franchise?

How much money did you need to start? ($1k, $5K, $10K, $100K....)

Do you have any partners, help, etc, or was it all you?

What problems did you initially encounter, and how did you overcome them?

At what point did you consider the business a success or failure?

How did the area you live in help the business?


One thing I was thinking about doing was finding out what if any products are manufactured, or at least the companies are headquartered around me, and approaching them to obtain the products for resale online. But again, I have no idea how to go about this other then making some phone calls, sending emails etc, all which will likely be ignored.

I have also been looking at buying an existing business, but most I have look at have not been very profitable, hence the sale. It seems that if a person has a successful business, they wont be selling it, or it wont be advertised for sale, as there already will be people they know ready to buy it.
Personal Finance Deals
Best wat to transfer $500,000 CAD to US bank?
Added on : Monday June 16th 2014 06:00:07 PM
g: 0 Posted By: jaybeaummont
Views: 96 Replies: 2 I expect to receive an inheritance from Canada.....$500,000 CAD, that I would like to have sent to a bank here in the US.

I have inquired at several local banks, Wells Fargo, Bank ofAmerica, TD Bank, etc, and have been told that they will charge anywhere from 1% to over 2%, plus a small transaction fee. Of course they all say they can't give me an exact number because the exchange rate changes from day to day, and I understand that. But I would like to know, at the time I give the originating bank, in Canada, the go ahead to do the wire transfer, how much less than the spot rate I will receive.Can anyone advise me on how to go about this?

Also, I have an investment account with Vanguard, and I inquired as to how much they will charge if I have these funds wired to this account. They tell me, no charge! I find this hard to believe, and I don't quite trust them to give me the spot rate.

Advice appreciated.

Jay





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g: 0 Posted By: lovelybones
Views: 274 Replies: 1 Deal linky - http://www.newegg.com/Product/Product.aspx?Item=N82E16814161453&...

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Rammed my rental truck into a bridge, need play tips for the game
Added on : Monday June 16th 2014 02:00:08 PM
g: 0 Posted By: mail6234
Views: 50 Replies: 2 Sooooo....

Walked into a truck rental location earlier this month and said "give me your finest dock height rental truck." They said, no problem sir. Would you like the insurance? Why certainly darling. "Full insurance?" But of course! Out I went on my merry way and ran the truck into a bridge necessitating a new roof, left rail and some uprights in the cab portion. I knew my insurance didn't cover it, and I only use a standard Visa so neither would cover that. But alas, I had FULL INSURANCE.

WRONG, SO WRONG. The number of exclusions afterwords was mind boggling. Not covered "theft, tire damage, rim damage, overhead damage, damage by way of negligence etc etc" In fact I'm struggling to come up with many possible covered events at all. Anyways I had a conversation (which I recorded) when returning because I figured hey here comes the back peddling and the store manager straight up admitted they used the terms "full insurance" to generate insurance sales and basically said "we'll work with you." Now I'm not new to this act so I know that means jack squat. Further more going through things I realized I had signed up for "roadside assistance" when I never even asked for such a thing. The whole thing was total sleeeeze.

I got a call today and they're starting out at $7000. They didn't shop the rate around so I asked for the cab VIN number and what the quote included as far as parts so that I can shop it around. I get the feeling that number may drop to around $5000. But still. I'm awful salty about this. Sure it comes down to "read the contract" but when you ask to be fully insured and then someone basically just tells you that's a load of dog shit and then acts like its no big deal I'm not exactly pleased by this conduct.

So I contact a lawyer to see where I stood on something like this and it was more or less "well... not good." Contractual law is much stronger than consumer protection laws and it would be an uphill battle. The lawyer offered to take it at a flat fee $2500. Attorney's fees would be recoverable but only if I was victorious, and I highly doubt I'd be a clear victor.

I'm wondering if anyone has even been through this so I can get a playbook for this. I've seen a couple posts about this and someone else did mention they started at $7000 and settled for $2000. Given the cost of a lawyer is more than that, it seems my best play if I can get them to settle. Otherwise wondering if anyone that has an actual legal background has advice.

My advice BTW is to USE PENSKE from now on. I used a Penske truck afterwords and confirmed with them that they DO cover overhead damage and the truck I had was FANTASTIC. It got better gas mileage I think than the truck I park in my garage. Any help is appreciated.

Also obligatory I AM AN IDIOT
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Using Enterprise discount codes FYI
Added on : Monday June 16th 2014 02:00:11 AM
g: 0 Posted By: JiggleTheHandle
Views: 40 Replies: 0 General FYI... I never saw this before, and I have been using Enterprise for years...

Started the booking process with no corporate account ID and no coupon, and it gave me $290 for a weekly rental.

Put in some corporatediscount codes, and the price increased by varying amounts to as much as $329 for the same car and time. Some codes decreased the $290 by a few dollars.

Anyway, this is the first time I have ever seen using a code INCREASE the cost from a base no-discount-code price.

I would suggest starting your booking in one browser with no codes,see what the base prices is and keep it active (Enterprise.com has a timeout limit), while using a different browser totest out codes.
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g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/dp/B007RP547K/

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Using the correct aperture is vital if you want to put "SHAZAAM!" into your photography!

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Totally Free Deals
g: 0 Posted By: woodsnake
Views: 235 Replies: 0 $19.99 + Tax: Logitech - Hinge Case for Apple iPad mini and iPad mini with Retina display - Mid Grayhttp://www.bestbuy.com/site/logitech-hinge-case-for-apple-ipad-mini-and...

FYI,

I just check my local Best Buy store while looking at the clearance rack today on Father's Day - Sunday June 15, 2014. It's pretty good deal if you don't want spent too much on buying extended warranty for older iPad mini version that is on sale at Target, Bestbuy, and WalMart last week.


Tablet Accessories Deals

Best Buy Coupons
Cloud Hashing - Opinion?
Added on : Sunday June 15th 2014 02:00:12 PM
g: 0 Posted By: burgerwars
Views: 93 Replies: 1 I'm willing to throw $299 into Cloud Hashish's bronze contract. Since I can pay with Bitcoin (I got a couple I purchased for a cheap price last year) it's nothing new out of my pocket. Just play money.

How much do you think I'll lose or maybe earn? I've never been a fan of bitcoin, but since it exists, maybe I shouldn't totally ignore it.
Discussion Deals
GIRO Revel Cycling Helmet - $35.78 shipped @ Sports Authority
Added on : Sunday June 15th 2014 12:00:07 PM
g: 0 Posted By: david5182
Views: 163 Replies: 1 $45 regular price pretty much everywhere. On sale at SA @ $36 - 20% off today only + $7 shipping =$35.78 (+ tax).

Note, shipping is free on orders over $49.

Also, don't forget about the 10% Discover CashBack!

http://www.sportsauthority.com/GIRO-Adult-Revel-Cycling-Helmet/p...
Bicycle Deals

Sports Authority Coupons
Kenmore 12 yr 50 gal Gas Water Heater $543.65 or less
Added on : Sunday June 15th 2014 05:00:02 AM
g: 0 Posted By: momoman
Views: 130 Replies: 0 Water heaters don't normally go on sale. Sears has them on sale. I'm only posting the deal on the 12-yr 50 gal gas water heater. link

If you need a water heater and you like to jump thru hoops you can get this discounted by using a combination of the following: 6% FW Cash Back, Shop Discover 10% CashBack, discounted Sears gift cards, paying with SYWR points, etc.
You'll also earn the equivalent of $27.18 in SYWR points on the purchase.

There are other Kenmore water heaters on sale as well. I have a Bradford White water heater, but if you flush your water heater regularly they should all last much longer then the rated period.
Home & Garden Deals

Sears Coupons
g: 9 Posted By: ltcm
Views: 4285 Replies: 83 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
g: -1 Posted By: ctgolfer
Views: 144 Replies: 0 Key Features:

Incredibly powerful sound.

Despite its compact size, the Beatbox Portable speaker brings soaring highs and deep, booming bass to every room in the house. Its wireless and cord-free.
Change tracks from your phone.

Or your laptop, or any other Bluetooth-enabled device from up to 30 feet away. Beatbox Portable supports SBC, AAC, and Apt-X Bluetooth codecs, which means youll always get much higher quality sound than most other Bluetooth devices.
Remote control your beats.

In addition to Bluetooth connectivity, Beatbox Portable also comes with a pocket- sized remote that lets you pause, play or change tracks from across the room.

www.ebay.com/itm/New-Authentic-Beats-by-Dr-Dre-Beatbox-Portable-...
Headphones & Speakers Deals

eBay Coupons
New Arrivals: Michael Kors - Large Jet Set Studded Backpack
Added on : Friday June 13th 2014 09:00:10 AM
Large Jet Set Studded Backpack by MICHAEL by Michael Kors is crafted in brown logo signature PVC, allover studs and tan leather trim for the life traveler who craves style as much as adventure. Featuring fabric straps, leather top handle, zip-around top, front zip pocket, gold tone hardware and logo-engraved plaque on front. The interior features monogram lining, one zip pocket, compartments for documents, and two open pockets. Signature dust bag included.
Gladiator 30" Wall Mount GearBox Garage Cabinet $99.99 S/P @Sears
Added on : Thursday June 12th 2014 04:00:03 PM
g: 1 Posted By: lovelybones
Views: 175 Replies: 2 http://www.sears.com/-30-wall-mount-gearbox-garage-cabinet-/p-00...Gear Box is a Monster Storage Unit in Gorgeous DisguiseThe Gladiator 30' Wall Gear Box is one of the best looking, highly convenient storage units you'll ever find. Gone are the days of unsightly overflowing toolboxes and messy cramped spaces. They've been gladly replaced by this sophisticated, versatile storage system. Whether you own a construction business or a garage that need reorganizing, the gear box will help you store away tools and other materials you need out of your sight. It features 2 shelves that you can adjust for 6 possible placements. You can pack in as much as you need because it holds loads of up to 200 pounds.The Wall Gear Box is great for storing your more valuable tools or potentially dangerous items. You can use the keys to lock them safely away. Its unique magnetic latching does adds security by making sure doors are closed tight. It's a good looking piece of furniture, with a rugged plate exterior finished with powder coated steel
Tools & Automotive Deals

Sears Coupons
401k matching question
Added on : Thursday June 12th 2014 02:00:07 PM
g: -1 Posted By: oiangeoiange
Views: 131 Replies: 5 Hello, I have a quick 401kquestion...

Iam starting a job and want to maximize the 401k benefits. They match .25$ to every 1$ up to the first 4% of my contribution. My gross annual salary is 61,000. What is the maximum my company will contribute to my 401k and how much do I have to contribute to make sure I get their max contribution?

Thanks for your help
New User Question Deals
Selling my car - not much info out there?
Added on : Thursday June 12th 2014 01:00:08 PM
g: 0 Posted By: bytem3
Views: 21 Replies: 0 As I mentioned in my recent AOR thread, I will be moving out of country soon. I was strongly considering exporting my vehicle (SUV), but the cost of that would be not insignificant ($1500+ just for transportation + another couple hundred for the import process + significant % of purchase price in the form of sales tax). To complicate matters further, there is a recall the manufacturer issued 6-7 months ago without any remedy (according to the dealership, they have not yet started manufacturing the replacement part and there is no ETA for that). While I would be able to drive in the other country with my US plates and license for some time, I would not be able to formally import it until the recall issue was remedied (having all recalls remedied is one requirement of the destination country). So, I am now thinking that I would be better served by selling my vehicle stateside, before I leave in the next several weeks.

While there are many posts about buying cars on FW, I could not find any threads addressing selling and getting the most out of selling you car. This was my first car and will be my first car sale. All I know so far is to make sure the payment is legitimate (i.e. do the transaction at a bank location). I have also been told that Craigslist is probably the best venue for selling.

KBB value is just over$6,300. I realize that no one pays KBB value for a car, but I also have two complete sets of virtually new tires (IIRC, I paid around $1500 total for both sets) that I will be including in the sale. So, I'm considering a $6500 sale price.

What advice do you veterans have? (pricing, venue to sell, what to expect, how to evaluate buyers, technical issues to be careful of with potential buyers, things to watch out for, etc)
Question Deals
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 Exclusive promotion includes 3GB free first month data if you activate your Freedompop Photon within 7 days of receipt, and one month of free Freedompop Premier Service
500MB of free 4G Data per month for life!
Free trial of Freedompop Premier lets you rollover your unused data, prevent online threats, and much more
Includes a bonus 2,000mAh Power Bank that charges any USB or Micro USB device for up to ten hours of extra battery life
Create a high-speed, secure internet hotspot
Coverage in major metropolitan cities across Clearwire's 4G WiMAX network.
Connect up to 8 devices at once
6+ hours of battery life
Speeds up to 12Mbps
LED indicator lights
Compact design
Compatibility: Windows Vista / XP / 7 and MAC OS 10.4 / 10.5 / 10.6 / 10.7, G4 / G5.
Dimensions: 2.6" x 0.5" x 2.6"
Weight: 2.1 ounces
Brand: Freedompop
Model: Photon w/ Power Bank
Condition: Factory Refurbished
Warranty: 90 Day
Packaging: Brown Box

http://1sale.com/electronics/mobile-cell-phones/freedompop-photo...
Electronics Deals

1Sale.com Coupons
g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
g: 0 Posted By: wisegremlin
Views: 154 Replies: 0 This is available at Amazon right now - theManfrotto 055XPROB Tripod and Kata KT DL-DR-466 Rucksack Bag (Black) for just $170.56. I discovered this at BuyerNinja where the price history chart shows that The Amazon price has dropped 20.49% ($44.60) since the high price of $217.71 on June 06, 2014 at 3:09AM CDT. The price has been steadily dropping and may go down further - so you might get a better deal by watching this price for a bit. However, the price has gone down so much from the normal price that if you are looking to buy a nice tripod I personally wouldn't hesitate (I already have bought my own dream tripod).

This is an exceptional tripod and really nice bag and the Amazon reviews reflect this. It's an absolute solid 5 star customer review with many hundreds of reviews on Amazon. Doesn't often get better than that. I'm a serious amateur photographer and if I didn't already own a tripod I would seriously consider buying this immediately.
Cameras Deals

Amazon Coupons
g: 0 Posted By: DizzyT71
Views: 253 Replies: 4 Panasonic has their Microcomputer Controlled / Fuzzy Logic Rice Cooker with One Touch Cookingon sale for$74.95 - $25.00 coupon code "COOKRICE" = $49.95 with free shipping.

Compare at Amazonfor $83.06 shipped.

Micro-computer fuzzy logic controlled adjusts power depending on how much rice is being cooked for precise cooking and more consistent results.
Easy one-button operation with convenient cooking icons
Includes steaming basket, rice scoop and measuring cup, detachable power cord
Menu includes White Rice, Brown Rice, Porridge / Soup, Steam / Quick Cook, Keep Warm function
Measures 10-1/4-inch (d) by 13 13/16-inch (w) by 7 3/4-inch (h), 6.6-pound., white finish


4.1/5 Stars based on 63 customer reviews on Amazon.
Appliance Deals

Panasonic Coupons
How Much Can You Spend Through PayPal Before They Care?
Added on : Wednesday June 11th 2014 08:00:33 AM
g: 0 Posted By: thepineapple
Views: 113 Replies: 1 My business debit card has a 3k/day limit, but if I am meeting that limit everyday (and only buying from one merchant) are they going to shut me down? Would it be better to get my limit increased to say 9k/day and only use the card twice a week? Anyone have experience with this? Thanks in advance.
Question Deals
Thoughts on how much coverage for uninsured drivers
Added on : Wednesday June 11th 2014 07:00:31 AM
g: 0 Posted By: CPAESQ
Views: 24 Replies: 0 I was adding an umbrella policy, and I had to up my auto insurance from 100/300 to 150/500 (something like that)

However, I was looking at the uninsured / underinsured driver section of my policy and it was 25/50 This seemed a bit light

I doubled it to 50/100 I could go higher.. but wanted to see what the group thinks
Personal Finance Deals
Quicken Will Maker 2014 $25.79 NOLO.com Ends 6/18/14
Added on : Wednesday June 11th 2014 07:00:26 AM
g: 0 Posted By: yamafx4dude
Views: 266 Replies: 1 http://www.nolo.com/ hasQuicken WillMaker Plus 2014.$25.79 after using discount code FATHER. (Regular price is $42.99) This is the download option. The CD version will cost a few dollars more. DOES NOT WORK WITH MAC.

Promo Code works with other software as well.

Promo Deal:Make this Father's Day special with gifts that he will love! Father's Day is the perfect time to show your grandpa, uncle, and all fathers out there how much you truly appreciate everything he does, and Nolo is proud to help you along the way.Use Promo Code FATHER** This discount price is good through Wednesday, 6/18/2014. This online offer cannot be combined with other special offers or coupons from Nolo. It also cannot be used by 1) trade, library or academic sales accounts, 2) other resellers, 3) or in the Nolo Outlet Store. Not Valid for Nolo's Online LLC, PPA, Trademark products. Our products are covered by our "no hassle" return policy.
Quicken WillMaker Plus 2014Product Details:
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This program is not Mac compatible. Please use Nolo's Online Will if you have a Mac.
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Software Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
g: 2 Posted By: remick
Views: 213 Replies: 0 https://play.google.com/store/apps/details?id=com.touchtype.swiftkey

SwiftKey Keyboard is an intelligent app for Android that upgrades your device's on-screen keyboard, making it faster and easier for you to type. This free, award-winning app delivers smarter autocorrect and next-word prediction in over 60 languages. Its packed full of customization features, including over 30 colorful themes, layouts for all screen sizes and devices, support for over 800 emoji, emoji prediction and much more!TRUSTED BY MILLIONSThe top-rated, most-loved keyboard on Android, now available for free. As CNET wrote, we cant recommend SwiftKey highly enough.PERSONALIZED PREDICTIONSMind-reading word suggestions that learn from you as you type, and get smarter over time.SMARTER AUTOCORRECTIntelligent corrections for even the sloppiest typing.BEAUTIFUL THEMESCustomize the look of your keyboard with free and premium themes from the SwiftKey Store.YOUR KEYBOARD, YOUR WAYSplit. Resize. Undock. Tweak your keyboard with a variety of powerful tools to fit your needs.
Multilingual typing. Choose from over 60 languages and type in up to three at once.CLOUD-CONNECTEDSync your writing style securely to the cloud and across devices.
Personalize word predictions from your Gmail, Facebook, Twitter, Evernote and more.
Type with ease about daily news, sports and entertainment topics with Trending Phrases.
Gain access to the SwiftKey Store to browse new themes.


http://www.engadget.com/2014/06/11/swiftkey-android-keyboard-fre...

With today's update, SwiftKey's premium Android keyboard is now permanently free of charge.
Legacy customers will get a $5 theme ten-pack for free.
Free Apps Deals
Free app for android - SwiftKey Keyboard
Added on : Wednesday June 11th 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 https://play.google.com/store/apps/details?id=com.touchtype.swif...

=14pxSwiftKey Keyboard is an intelligent app for Android that upgrades your device's on-screen keyboard, making it faster and easier for you to type. This free, award-winning app delivers smarter autocorrect and next-word prediction in over 60 languages. Its packed full of customization features, including over 30 colorful themes, layouts for all screen sizes and devices, support for over 800 emoji, emoji prediction and much more!TRUSTED BY MILLIONSThe top-rated, most-loved keyboard on Android, now available for free. As CNET wrote, we cant recommend SwiftKey highly enough.PERSONALIZED PREDICTIONSMind-reading word suggestions that learn from you as you type, and get smarter over time.SMARTER AUTOCORRECTIntelligent corrections for even the sloppiest typing.BEAUTIFUL THEMESCustomize the look of your keyboard with free and premium themes from the SwiftKey Store.YOUR KEYBOARD, YOUR WAYSplit. Resize. Undock. Tweak your keyboard with a variety of powerful tools to fit your needs.
Multilingual typing. Choose from over 60 languages and type in up to three at once.CLOUD-CONNECTEDSync your writing style securely to the cloud and across devices.
Personalize word predictions from your Gmail, Facebook, Twitter, Evernote and more.
Type with ease about daily news, sports and entertainment topics with Trending Phrases.
Gain access to the SwiftKey Store to browse new themes.
g: 0 Posted By: ctgolfer
Views: 154 Replies: 0 use promo code: FATHERWT

Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
Batteries & Chargers Deals

Amazon Coupons
401(k) Allocation Feedback - Fidelity
Added on : Tuesday June 10th 2014 05:00:12 PM
g: 0 Posted By: theman15
Views: 108 Replies: 1 Hi all,

I'm currently in my mid 20's and I'm still relatively new to saving for retirement. Currently have ~$10k in my 401(k) portfolio w/ Fidelity. With my age, I hopefully have plenty of years left to contribute, so definitely looking to be investing in higher risk funds where I can weather the storm. My current allocation and fund are noted below. All 5 are approximately 20% of my portfolio.

American Funds The Growth Fund of America R5
Fidelity Freedom2055 Fund
T. Rowe Price Mid-Cap Growth Fund
Dodge & Cox Stock Fund
Dodge & Cox Balanced Fund

The above 5 break out to be:
72% - Domestic Stock
15% - Foreign Stock
8% - Bonds
5% - Short Term

General thoughts on my 5 funds above and my class breakout? I only have so many funds available with my employer sponsoring the 401(k). Any changes/advice? Is essentially 3/4 of my portfolio being domestic stock too much? My blended funds have pushed my bonds/short term investments up to 13%. With my risk aversion currently being next to none, is that number too high?

Lastly, these 5 funds have produced a 6% return so far YTD in 2014. I believe that is about average if not above average from my quick google searching, although I'm sure the saavy FWF investors are seeing much higher returns!

Really appreciate the input and adviceeveryone.


Investing Deals
Fairbridge Financial Services ..... Legit ?
Added on : Tuesday June 10th 2014 01:00:09 PM
g: 0 Posted By: OverTheTop22
Views: 71 Replies: 0 I am currently in the market for a loan, credit is average, not the best but also not the worst. This company has offered me the best deal , 7.25% interest rate. They have a website, phone number, and address. The website is ok, phone numbers works, but will only connect you if you have the persons extension, which I do have. I am not sure to proceed or not. I am 99.9% sure they already have my social , so I am not sure too much what the risk would be. Has anybody heard of them? Used them? There is little to no information on them on the web from what I have seen.

Any help anybody may have, thank you
New User Question Deals
Inherited/will inherit nearly half a million, what to do?
Added on : Monday June 09th 2014 05:00:12 PM
g: 4 Posted By: echpirate
Views: 2974 Replies: 53 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Los Angeles 2nd House Buying Help
Added on : Monday June 09th 2014 01:00:09 PM
g: 0 Posted By: Jollymommy
Views: 137 Replies: 0 Hi!

We own a house that we rent out worth $800,000 in LA. Mortgage is $444,000 + second mortgage $40,000 (will be done in 7 years and we pay extra every month). Our renters cover the mortgage + a surplus of $1,000 per month.

We make $250,000 a year, but after business expenses, taxes show $190,000. We have no other debt and credit scores in mid 700s.

We have $250,000 for savings towards a house.

We are renting a different house for $4000 a month.

We want to buy a new house, but the area we live in now and love is insanely expensive.

Questions:

1. Any idea how much house we would qualify for??
2. Does owning the other house make it harder to buy the second house?
3. Would you recommend selling the other house??

A basic house here is $1.5 million.

Thank you!
New User Question Deals
The Intel Core i5-3470 CPU features Quad-Core and Hyper-Threading Technologies that deliver a 3.20GHz clock speed for unrestricted performance.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

So now I have damaged floor and ceiling with not my fault and no one wants to talk to me. I didn't go to any lawyer for advice yet, as I don't have much free time for that, but now I am ready to take some action.

Any suggestion how I should deal with it? Also I think I should be responsible for my deductible if leak came from other unit. Its either that tenant should pay for it or HOA for not protecting building system from freezing.

I am just afraid now that in case there was fire or something worse, I will be left with nothing.

NYC condo location.
Inherited/will inherit over nearly half a million, what to do?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: echpirate
Views: 3 Replies: 0 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Free Kindle Book- The English And Sex
Added on : Monday June 09th 2014 04:00:11 AM
g: 0 Posted By: remick
Views: 24 Replies: 0 http://www.amazon.com/gp/product/B00CT5BW74

Is there a particular English attitude to sex? What makes it? Is it good? Is it bad? How has it changed? And what of the future?
When it comes to our sexual instincts, much more than in any other field of human activity, the importance of our psychological heritage is paramount. This book suggests that there is both confusion and constraint, aggravated by grey skies and a rapidly developing multiracial society - compounded by an uneven historical, cultural, religious and educational background.
Richard Goodall reviews English sexual trends from the 17th century to the first decade of the third millennium, citing the most recent statistical data.
The reader will be surprised by some of his conclusions.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 32 Replies: 0 The Microsoft Surface RT 10.6" (7XR-00001) 32GB Tablet Features:

Windows RT; Microsoft Office Home and Student 2013 RT
10.6" ClearType Widescreen 5-point multi-touch HD Display
Quad-core NVIDIA Tegra 3 CPU
2GB internal memory
32 GB hard drive capacity
MicroSD Card slot for expandable memory storage
Dual 2x2 MIMO antennas provide reliable internet connectivity
Ports: Full-size USB 2.0, microSDXC card reader, Headphone jack, and HD Video Out
Front-facing camera for video chats and Skype
Rear-facing camera for snapping photos
Bluetooth 4.0 compatible
Integrated Kickstand provides support
Stereo speakers and microphone
Up to 8 hours of battery life
Dimensions: 10.81" x 6.77" x 0.37" (W x L x D)
The Microsoft Surface RT 10.6" (7XR-00001) Tablet with 32GB of memory is a beautifully designed and versatile tablet perfect for browsing the web, checking emails, taking photos, watching movies, and much, much more. Inside, the Surface RT is packed with top-quality hardware: a Quad-core NVIDIA Tegra 3 CPU, 2GB of RAM, plus a MicroSDXC card slot for vastly expanded storage. The Surface RT Tablet also features a stunning 10.6" widescreen multi-touch LCD display (1366 x 768) and two cameras: a rear cam, and a front cam (perfect for video chat).

www.a4c.com/dailydeal/
Windows Tablets Deals

A4C Coupons
g: 0 Posted By: ctgolfer
Views: 128 Replies: 0 Smart Home Theater - Experience the next generation of our groundbreaking Smart Home Theater with full web browsing, cutting-edge TV Apps and much more to enhance the Home Theater experience.
3D Blu-Ray - Whether you are viewing a premium-quality 2D picture or seeing incredible 3D depth, images are breathtakingly real in Samsung Full HD. Combine with a 3D TV and 3D active shutter glasses to view the latest Hollywood 3D titles. (3D TV, Active glasses and content required.)
Smart Hub - Smart Hub provides a single location for all of your favorite smart content, giving you easy and instant access to apps, photos, videos, web browsers and much more. It's the simplest way to explore a world of entertainment.
Built-In Wi-Fi - With Wi-Fi built right into the Home Theater, no additional equipment is needed to connect with an existing wireless router in your home network and start browsing the web, accessing Samsung Apps or other Smart Home Theater features.
Full Web Browser - Enjoy all the benefits of full web browsing right on the big screen. Easily stream your favorite movies and TV shows, download apps, shop online, browse the web, update your status on Facebook and Twitter, and more.
Crystal Amplifier Plus - Samsung Crystal Amplifier Plus filters sound sources twice to minimize distortion and produce clear audio that sounds exactly the way it was meant to be heard.
DTS Neo Fusion - DTS Neo Fusion combines Samsung 3D Sound Plus and DTS Neo Ultra to give a more effective vertical surround effect in 7.1 applications as well as a virtual 7.1 vertical effect in 5.1 application.
Smart Volume - Lets you set the product so the volume remains stable when a scene change occurs or when you change the channel. Also minimizes the change in volume that may occur when a commercial comes on.
Bluetooth - Enjoy wireless connectivity with Bluetooth and stream your favorite audio content from your connected mobile devices.
5.1 Surround sound with 1000W total speakers power rating
Inputs/Outputs: 1 HDMI output, 1 HDMI input, 1 Audio input, 1 Optical input
Includes Blu-ray player/receiver, left & right speakers, center speaker, left & right rear satellite speakers, subwoofer and remote control
Brand: Samsung
Model: HT-FM53/ZA
Condition: Factory Refurbished
Warranty: 90 Day

http://1sale.com/electronics/tv-home-theater/samsung-home-theate...
Home Theater & Audio Deals

1Sale.com Coupons
IRIS USA Airtight Pet Food Storage 3-Piece Set Navy $19.99 @ Woot
Added on : Sunday June 08th 2014 11:00:01 PM
g: 0 Posted By: ctgolfer
Views: 18 Replies: 0 shipping adds $5

Keep pet food dry and fresh with the IRIS Airtight Pet Food Container. This IRIS Airtight Pet Food Container includes two pet food storage bins - a small bin and a large bin. The small bin can store up to 18 lbs of dry pet food and the large bin can store up to 37 lbs of dry pet food. Featuring a clear design, so you can keep watch of food levels. The wide opening makes accessing pet food easy, and the lock-down lids provide an airtight seal to keep food fresh. With fours casters each, these pet food containers can be conveniently rolled. The molded-in handles make it easy for you to pour the contents. These wheeled pet food containers are made with FDA-compliant material, a safe choice for pet food storage. Not just pet food, these Treat Combo Airtight Food Containers can even be used to store laundry detergent, birdseed, and much more.

IRIS Airtight Pet Food Storage Container Combo includes:

Keeps pet food dry and treats fresh
Clear dual bin system allows viewing of food levels
Small bin holds 18 lbs of dry dog food (varies by dog food)
Large bin holds 37 lbs. dry dog food, or 32 lbs. cat food, or 56 lbs. bird food, or 64 lbs cat litter (varies by pet food and litter)
Casters included for easy mobility
Graduated scoop included, measurement lines for 1/2, 1, 1-1/2 and 2 cups
Color: Navy
Meets FDA standards for food storage
BPA Free
Made in the USA

http://sellout.woot.com/offers/large-airtight-pet-food-storage-s...
Sees.com Summer Gift Pack $43.40
Added on : Sunday June 08th 2014 03:00:10 PM
g: 0 Posted By: DaysFan
Views: 167 Replies: 0 Summer Gift Packhttp://www.sees.com/prod.cfm/fathers_day_gifts/summer_gift_pack
Gift # Description Price Qty 9141 2 lb. 2 oz. Summer Gift Box

Add a little extra sunshine to their day. Featuring over two pounds of deliciousness, including Peanut Brittle, Extra Fancy Mixed Salted Nuts, Lollypops and Little Pops. Just what you need to make summer that much sweeter. Delivered in a See's gift box adorned with black organza ribbon and hangtag. Shipping included. Kosher.

Warm-Weather Friendly Product: This item is deliciously ideal for when temperatures start to rise. It is delivered melt-free with regular packaging and standard shipping2-day Summer Delivery shipping not required.

Gifts Deals
Chef's Choice M130 knife sharpener $119.99 Amazon platinum color only
Added on : Saturday June 07th 2014 05:00:03 PM
g: 0 Posted By: blueberrypie
Views: 130 Replies: 1 May be my first deal post so forgive any posting errors. Average price for this is $149 at most stores. Other colors are not a deal. The $119.99 is for platinum only.
Amazon Chef's Choice 130

Much discussion about different models all over the internet. This model 130 is the one Cook's Illustrated/America's Test Kitchen chose. It is not for putting a new edge on a bad knife. First slots sharpen, second slots are not mechanized and manually hone, third slots strop. Different combinations are used to put a different edge on the knife depending upon use (i.e. slick sharp for paring or micro serrated for more bite).The 120 model, from what I gather, has 3 mechanized slots. The first takes off the most metal, the second finer sharpening (perhaps like slot one of the 130). The third slots are the stropping. So, there is no honing on the 120. These models mentioned are not for 15 degree knives (like Japanese) but are for the usual western 20 degree bevel.
Home & Garden Deals

Amazon Coupons
Palmetto State Armory Gift cards- 100$ for 90$
Added on : Saturday June 07th 2014 11:00:01 AM
g: 2 Posted By: babalooie21204
Views: 79 Replies: 1 PSA 100$ Gift card for 90$ , spoke to a representative. yes, you can stock up on these and combine for a future purchase. So if you are itching for a nice upper or waiting stock up for ammo, this is a much hotter deal Cheers
Guns & Ammo Deals
g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 $139.99 and is eligible for $20 off at checkout

PS21 12-Volt Max 2-Speed Pocket Driver
The Bosch PS21 supplies up to 265 inch-pounds of torque--that's twice as much torque as the competition--so you can drill through wood and 22-gauge metal or fasten and drive nuts, bolts, and screws. With a 5.6-inch head length and weighing in at only 1.8 lbs, the PS21 has optimized balance and control and is ideal for working in small spaces and overhead. Easily switch between a low gear of 0-350 RPM and a high gear of 0-1,300 RPM. Twenty additional clutch settings ensure you always have the ideal torque for the application. The Bosch PS21 is equipped with a variable-speed trigger that helps you ease into the desired speed, giving you optimum control for drilling and driving.

PS41 12-Volt Max 1/4-Inch Hex Impact Driver
The PS41 12-Volt Impact Driver features a compact build with a head length of 5.4 inches, making it ideal for fitting tight areas and narrow corners. Weighing in at 2 pounds, the PS41 is well-suited for continuous overhead work. As powerful as it is compact, the driver packs a punch with a high torque of 930 inch-pounds for coverage of 80 percent of impact driving applications. It provides 2,600 rpm and a variable speed trigger for complete control. An easy-to-read fuel gauge and a three-LED light ring for use in low-light areas make this impact driver user friendly. An ergonomic, soft handle provides extended comfort and control, while bumpers on the side of the tool protect the work surface and prevent slipping.

www.amazon.com/Bosch-CLPK27-120-12-Volt-Lithium-Ion-Batteries/dp...
Tools Deals

Amazon Coupons
Does Discover cashback work on Costco cash card?
Added on : Friday June 06th 2014 12:00:09 PM
g: 0 Posted By: Wellcum
Views: 119 Replies: 6 Got spend $1,000 soon for extra $75 offer, but I don't normally spend that much, especially not on discover.

Does Costco cash card purchase qualifies? I think the fineprint on the offer says "Your first $3,000 annual purchases and warehouse purchases earn 0.25%"

Thanks.


Question Deals
Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - $59.77
Added on : Friday June 06th 2014 11:00:03 AM
g: 1 Posted By: ShamelesslyThrifty
Views: 313 Replies: 7 Certified Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - Includes Special OffersSold by Amazon Warehouse Deals
Used - Acceptable Condition
No warranty
Please look under "More Buying Choices" and you will see the price and details there (see the attached image for an idea where to click for this price).

I ordered mine (used -acceptable condition) yesterday with Prime shipping and it was delivered today by FedEx. The front screen has ZERO SCRATCHES, I just had to wipe it clean of something that looked like a scratch. The back looks VERY good as well. The screen is bright and everything has tested out great so far. The sound is great. This has no camera and no HDMI out. More details here.

I already have a tablet, but not this size and not an Amazon one. I got this so that I could take advantage of watching Amazon Prime videos on it (streamed and downloaded). The lending library is something I hope to take advantage of. I am also looking forward to some good "Amazon.com Special Offers" that should show up on the sleep screen. Since I like Amazon Prime so much it was a natural choice to pick this up at this price point.

I should mention that I was also given 500 Amazon coins (about $5.00 worth) to use to buy apps when I looked at the apps for the first time with the Kindle Fire HD. This sweetened the deal.
ebook readers Deals

Amazon Coupons
Southwest Fall Sale - Through Thursday June 5
Added on : Thursday June 05th 2014 06:00:13 AM
g: 5 Posted By: StartByServingOthers
Views: 1540 Replies: 9 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
g: 0 Posted By: imanemokid
Views: 178 Replies: 0 B1G1 Free coupon for new Friskies SauceSations by Mail from Friskies.com

Cats Love Sauce!

Sign up HEREto receive a Buy One, Get One Free coupon for new Friskies SauceSations to see how much your cat loves sauce! > BY MAIL

Good only in U.S.A. Void where prohibited.
Allow 6 to 8 weeks for shipment.
Limit one per household and mailing address.
P.O. Box address not accepted.
No purchase necessary. Open while supplies last.
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
529 - weighing state plan choice versus in state deduction
Added on : Wednesday June 04th 2014 11:00:09 AM
g: 0 Posted By: digduggler
Views: 128 Replies: 2 Forgive me if this has been covered, I don't seem to be able to find it. I'm still getting up to speed. I see that you can open a 529 plan outside of the state of residence and use it for whatever college is attended. I also see that all of these funds are not created equal (in particular Utah is often recommended and there isthis2013 Morningstar analysis).

This might be obvious, but I'm wondering if anyone has done an analysis or whether or not staying in state (I am in Alabama which has a 'bronze' Morningstar rated plan) which allows for a tax deductiblecontribution offers the greater savings in the long run vs investing in a fund with a lower ER/fees in a different state. It seems staying in state offers better savings as long as you contribute an appreciable amount. This will be for my < 1 year old, and I plan on cashing out one or more whole life policies my dad took out of me (see here) when I was a kid to jump start it with 14k (the current max gift amount as I see) this year and potentially 13k as well next year (I have two different policies I can cash out at separate times valued at about ~15 cash value each, not taking in tax implications). I've already gotten a healthy amount of term of my self and my wife (1 million of me, 500k on her), so it should be safe to cash these out. After the initial seeding I will contribute as much as I can after maxing out both my and my wife's ROTHs as well as my 401k contribution (no match, so currently weighted such that I"m putting aside 15% a year into retirement combined between ROTH and 401k. Once my wife goes back to work that will increase significantly). Any feedback appreciated.
Question Deals
Couple of Mortgage Questions
Added on : Wednesday June 04th 2014 07:00:14 AM
g: 0 Posted By: gyagya
Views: 112 Replies: 1 Hi guys n gals:

A couple questions where I need some of your advice:

1. I have a mortgage on my primary residence; Mortgage Amount = ~ 416k. Property Value is 1.1 Million. I'm thinking of buying a bigger houseand amin two minds on whether I should sell my existing house or not. Many factors will contribute to that decision. Here's the question for you all - May I get a HELOC on my existing house(80% LTV would allow a Heloc of about $400k) and use these funds towards my new home? I understand the variable-interest of HELOC - and I'm ok with that risk. Are there any other gotchas here that I should consider?

2. IRS says that interest deduction for a up to $1 million in mortgage is allowed (if I understand the tax-language correctly). If I were to keep my 1st and 2nd home - my total mortgage amount on both would be more than $1 million. When I looked at the 1098 Mortgage interest form though from my current lender - nowhere does it mention the principal; Only the interest and points. So how does IRS get to know how much total principal I have on my mortgages. How would I be able to do taxes legitimately, absent this information?

Thanks for any and all advice!

-G


Real Estate Deals
Economics of Rehabbing a House (i.e., am I overbuilding an old house?)
Added on : Wednesday June 04th 2014 04:00:10 AM
g: 1 Posted By: ltcm
Views: 136 Replies: 10 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, along with $1M+ properties that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. I don't know if I believe this. If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new property. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

Real Estate Deals
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B008A2BNFQ

When the warm weather arrives each year, people who love swimming and have some space on their property will often start to think longingly about owning their own pool. However, many people are not aware of the cost of buying a pool, and even fewer are aware of the cost of maintaining the pool throughout every month and year.

Proper care and maintenance of a pool can help protect your investment and, above all, your family's health and well-being. In this guide, you will learn about the main factors to consider when thinking about buying and installing an above-ground or in-ground swimming pool, including:

+ Your budget
+ The size of the area you wish to place the pool
+ How much time you can spend on pool maintenance
+ How much you can afford to pay on maintenance when the pool is in use
+ What part of the country you live in and how it affects your pool choices
and much more.

Discover key questions to ask for each type of pool you might be interested in. Learn how to maintain your pool in winter depending on where you live and what kind of pool you have chosen. Find out the best ways to prepare your pool each year when the warm weather starts to arrive.

Learn how to measure the area for your pool correctly if you want to buy an in-ground pool. Discover the critical mistake that many would-be pool owners make that can cost them thousands of dollars.

If you are thinking about installing a pool as an investment in the value of your home, learn about the upfront costs as well as ongoing costs to decide if a pool is right for you. Also learn the main questions to ask any pool builder before you sign on the dotted line to keep your family safe and you sane as the pool installation process begins.

If you are thinking of buying and installing a swimming pool this year, this beginner's guide is designed to help you weigh the pros and con. If you decide to get a pool, this guide will help you learn the essentials for maintaining it in order to keep you and your family safe.

Word Count=12,000
=====

TABLE OF CONTENTS

WHATS IN THIS GUIDE
INTRODUCTION
CHAPTER 1: THE PROS AND CONS OF OWNING A SWIMMING POOL
CHAPTER 2: HOW MUCH DOES A SWIMMING POOL COST?
CHAPTER 3: HOW MUCH DOES IT COST TO MAINTAIN A SWIMMING POOL
CHAPTER 4: HOW TO CHOOSE A SWIMMING POOL
CHAPTER 5: HOW TO CHOOSE A SWIMMING POOL BUILDER
CHAPTER 6: POOL WATER CHEMISTRY ESSENTIALS
CHAPTER 7: COMMON SWIMMING POOL PROBLEMS ONCE YOUR POOL IS INSTALLED
CHAPTER 8: DEALING WITH POOL PUMP ISSUES
CHAPTER 9: HOW TO GET RID OF INSECTS IN YOUR SWIMMING POOL
CHAPTER 10: WINTERIZING YOUR POOL
CHAPTER 11: GETTING YOUR POOL READY AGAIN IN SPRING
CHAPTER 12: SWIMMING POOL FREQUENTLY ASKED QUESTIONS
CONCLUSION
FURTHER READING
APPENDIX: POOL FENCING ESSENTIALS
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g: 0 Posted By: tedhawkins
Views: 160 Replies: 0 Chefs Star Juicer Wide Mouth Fruit & Vegetable Juice Extractor - Stainless Steel $39.99 w/code FS Amazon

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The Chef's Star juicer easily extracts juice and nutrients from the toughest produce. The wide mouth design allows you to juice most whole fruits & vegetables with ease. The extra large pulp bin allows for much longer continous juicing. Why buy ready made juice from the store when you can quickly and easily make your own personalized & perservative free juice at home. Your only limit is your imagination, mix and match any fruits, vegetables, or grasses you desire.

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Wide-Mouth design lets you fit whole fruits & vegetables

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Chefs Star Wide Mouth Fruit & Vegetable Juicer




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Southwest Fall Sale
Added on : Tuesday June 03rd 2014 05:00:09 AM
g: 0 Posted By: StartByServingOthers
Views: 66 Replies: 0 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
g: 0 Posted By: duna
Views: 0 Replies: 0 Interactive Brokers advertises only $1 fee for tradwes and margin interest rates which currently start at 1.59% and goes down to 0.5%. These seem much lower than all the traditional brokerage firms. Are there things which make IBC less attractive than they seem to be? Have you actually tired IBC?
2014 US Open Tennis Tickets BOGO
Added on : Monday June 02nd 2014 04:00:02 AM
g: 0 Posted By: Reubin
Views: 185 Replies: 1 For those of you who like tennis as much as I do, 2014 US Open tennis tickets are now on sale for AMEX members only. They have many sessions that are buy one get one free...including late into the final week. The first 3 days and nights are BOGO as are the final Thursday and Friday day sessions. These tickets will not last very long so don't delay if you are interested.

http://www.ticketmaster.com/promo/amwnqr?brand=axp&camefrom=CFC_...
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
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Help Me choose a Brokerage (Taxable Account)
Added on : Sunday June 01st 2014 07:00:10 PM
g: 0 Posted By: iyrishraven
Views: 60 Replies: 0 Hello,

Thanks in advance for all your inputs. Heard that you all are really helpful here.

I want to open a taxable investment brokerage account. in my opinion, I would like to invest in low ER ETFs, Indexed ETFs or tax-free muni mutual funds. I would not be trading too much in this account. Starting with $25k, hopefully contributing more.

1.I found Schwab, Fidelity, Vanguard, TD Ameritrade all have commission free, low cost ETFs and very competitive with each other.
2.Between all their commission free lineups is one brokerage's funds better than the other?
3.I went over the funds and for my objective, all brokerages are quiet neck-to-neck! Schwab ERs are at 0.07%, not sure of spreads in Schwab ETFs
4.At this point, I believe the tools they offer, customer experience, ease of use and other features might help me choose one over the other.
5.Any other good reason/s to choose the better of all these?

Any an all help appreciated!

Related Question: I see the market brewing again (without a reason), should I wait for a dip (not correction) or start dollar cost averaging slowly?
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This home entertainment system provides you with a Blu-ray player, 5.1 channel surround sound and 1000 watts (167W x 5 + 165W) of total power.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: invisible
Views: 78 Replies: 0 Perhttp://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre... did the NFL Visa card deals that has been sock drawer-ed.

Issuer says use or we close ... what is best course of action: let it close (one less thing to worry about) or do a $1 transaction & pay off keeping it alive?

From credit score perspective does that make any (much) difference? Anything else to consider?
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$149 Craftsman 263 PC Mechanics Tool Set sears.com
Added on : Sunday June 01st 2014 04:00:02 AM
g: 0 Posted By: DaysFan
Views: 158 Replies: 0 Craftsman 263 PC Mechanics Tool Sethttp://www.sears.com(23 Reviews) | Sold by Sears Seller Rating:(based on 0 ratings) Item# 00940263000 Model# 40263 This product is available through a Sears distributor.To purchase this product please visit our International Distributors pageReg Price: $299.99Savings: $150.00$149.99Hot Buy
Item# 00940263000 Model# 40263 263-Pc Mechanics Tool Set Provides a Staggering, Stunning VarietyThe Craftsman 263-pc mechanics tool set is the only tool set that you need to complete any and every mechanical job. The tool set has the variety that all mechanics dream of having, and it is also intended to help individuals work faster and more efficiently. The set features metric, standard, inch and deep well sockets made for three ratchet sizes. No matter what the job is, you have the tools that you need. As changing sockets can significantly slow down a job, these ratchets boast a release mechanism that releases sockets more quickly than normal.The 263-pc mechanics set features ratcheting wrenches, sockets, hex keys, extensions and so much more, all in one fantastic set that is reasonably priced. The range of sizes and tools in this kit gives you the freedom that you need to work in large spaces as well as small, restrictive places. With durable steel construction and a lifetime warranty, you can sleep better at night knowing that you'll never have to worry about having great mechanics tools again.

Complete your tool collection once and for all with the Craftsman 263-pc mechanics tool set
Includes 150 sockets in 0.25", 0.38" and 0.5"; spark plug socket; 10 inch ignition wrenches; magnetic holder; 30 screwdriver bit set; 12 nut driver bits; 40 hex keys; 3 quick release ratchets in 0.25", 0.38" and 0.5"; 4 extension bars, and 12 ratcheting wrenches
Metric, standard inch and deep well sockets fit three ratchets
Ideal flexibility with multiple sizes to work in both small, tight spaces and large areas
Alloyed steel construction for guaranteed durability
Includes a general lifetime warranty

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Microsoft - Surface Pro - 256GB - Black $649.99 w/FS @ Best Buy
Added on : Saturday May 31st 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 212 Replies: 0 Supports the full Office experience
Run Outlook, Word, SharePoint Designer, PowerPoint and more.
10.6" ClearType high-definition touch-screen display
1920 x 1080 resolution, 16:9 widescreen aspect ratio.
VaporMg casing
Precision crafted to be tough yet elegant, without excessive bulk. With a watchlike finish that's incredibly smooth and durable, Surface is a delight to hold and touch.
Integrated Kickstand
Provides uncompromised support and flexibility. Flip out the Kickstand for hands-free entertainment. Whether you're watching a movie, or shooting video, Surface stands on its own.
Pen input
Included stylus pen lets you jot down ideas anytime, anywhere. Crafted to work with Surface, it's a stylish way to edit, collaborate and do your signature work.
Ports and connectivity
Add extra storage using the microSD card slot. Watch movies, show photos, or present your work on the big screen through the video out port. Has full-size USB port for data transfers.
Built-in Wi-Fi capability
802.11b/g/n wireless LAN and dual 2x2 MIMO antennas provide reliable Internet connectivity.
Front- and rear-facing 720p HD video cameras
Rear camera is angled to shoot straight ahead when the Kickstand is flipped out. The Kickstand also enables hands-free Skype video chat or recording.
256GB storage capacity1
microSDXC card slot available.
Bluetooth 4.0 compatible
Easily link with other Bluetooth-enabled devices, such as a wireless keyboard, mouse and other accessories.
Xbox Music Pass
Stream as much as you like on your PC, tablet, Windows Phone and Xbox 360. Download music so you can listen to it when you are offline. Your favorite songs follow you wherever you go, across all your devices.
Weighs 2 lbs. and measures just 0.5" thin
For lightweight portability.
Microsoft Windows 8 Pro operating system
Full laptop capability in the size of a tablet. Download apps from the Windows Store and share files in the cloud for easy access anywhere you go. Free upgrade to the latest version of Windows.
1-year limited hardware warranty.
90 days of complimentary tech support from Microsoft.

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g: 1 Posted By: roger2724
Views: 326 Replies: 24 Newly constructed condos/townhouses in my state are required to have a certain percentage of "affordable housing". The only requirement for this particular property was that you need to make under $49,000 to be eligible and be able to get a mortgage. They run a lottery for these properties as there is huge demand, and I just so happened to win. I am 27, went to college and have a reasonably good job making $45,000 a year, which I expect to increase a bit.

Since I won, I ambeing given the opportunity to purchase a nice 1bedroom condo for $90,000 which is a great deal as other units (which are also 1 bedroomsbut a little biggerand have a balcony)in the same complex are selling for 3x that number. So obviously I willbuy it. There are no restrictions once Ibuy the condo other then that it must be my residence. If I meet a girl she can move in, no impact as my income increases, etc. My monthly payment is going tobe around $850 including taxes and HOA.

The only "catch" is that it will alwaysbe "moderate income housing", so there will notbe much appreciation in the value of the home. It was originallybuilt in the mid 90s and has been sold twice since then. It seems to appreciateabout $1500 in value per year, on average. I do want to get married, have some kids andbuy a regular 3 or 4bedroom house once that happens at some point down the line.

How should I handle this as far as a down payment, paying extra on the mortgage, etc? What do you think the optimal play is here?
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g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 delivery adds $69.99

The Craftsman storage building offers a spacious, 206 cu.-ft. capacity for storing your essential equipment. A dual swing door with a 60"W x 72"H door opening provides easy, in-and-out access to your equipment. A peak height of 6 ft. with an 8.3-ft. width gives you plenty of room to move around and organize. Metal hinges and pad-lockable metal handles (lock not included) keep your equipment safe and protected. Plus, with less than 50 sq. ft. of ground coverage, it won't take up much space in your backyard.

The Craftsman 8' x 4' Resin Storage Building 206 has assembled dimensions of 8 ft. 4-1/2 in. W x 4 ft. 3/4 in. D x 8 ft. 7 in. H and a 206 cu.-ft. capacity to store all of your essential equipment
Exclusive VersaTrack compatibility provides multiple organization options for the interior of your shed
Steel-reinforced roof and durable, double-wall resin construction stands up to all weather conditions
Metal hinges and pad-lockable metal handles adds security
Two skylights help you to quickly find the tool you need
Dual swing door with a more-than 4-ft. door width for easy in and out
50 sq. ft. of ground coverage won't take up much space in the backyard
Some assembly required

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Significant other loves wasting money, what to do?
Added on : Saturday May 31st 2014 05:00:07 AM
g: 0 Posted By: xynder
Views: 99 Replies: 5 I manage our budget between me and my SO.

She is not very concerned about money. Combined, we make about $140,000. As most of you know, this is not very much money when you're paying rent in a decent area (1200/month), maxing retirement accounts, and also trying to sock away some liquid cash.

Anyway, she goes to the god damned airport the other day to go to Vegas (I bought her the ticket using airline points from credit card rewards), and instead of parking in a surface lot for like $10/day, she uses a covered garage at like $30/day. I ask her why, and she says "well I don't know where anything is at so it was just easier." She didn't bother asking anyone or checking the damned airport map.

Yesterday, she phoned an order in at the local italian joint. She went to pick it up and when she paid, she left a tip. A TIP FOR WHAT?!?!?!?!?!! YOU PICKED UP THE F******* FOOD, NOBODY SERVED YOU, WHY ARE YOU LEAVING A TIP?!?!?! I ask her why and she says well because she used to be a waitress she feels bad for them.


How can I train my SO not to waste precious money?
Question Deals
Domino's 40% Off Any Pizza Code - Expires 5/31/14 - YMMV
Added on : Friday May 30th 2014 07:00:08 PM
g: 0 Posted By: rsmo2222
Views: 636 Replies: 2 Don't know if this is good everywhere, but working in St. Louis, MO.

CODE: 51940

Get 40% Off Any Pizza; No Limit; Not valid on Artisan Pizzas. Order as much as you want or as many times as you want.

------------------------------------------------------------------------------------

Also this code: 51989

"Make it a combo" -- Get 40% off any Pizza and add Side Items for $5 each. Not valid on Artisan' Pizzas.
Restaurants & Entertainment Deals
Domino's 40% Off Any Pizza Code - Expires 5/31/14
Added on : Friday May 30th 2014 12:00:02 PM
g: 0 Posted By: rsmo2222
Views: 246 Replies: 1 Don't know if this is good everywhere, but working in St. Louis, MO.

CODE: 51940

Get 40% Off Any Pizza; No Limit; Not valid on Artisan Pizzas. Order as much as you want or as many times as you want.

------------------------------------------------------------------------------------

Also this code: 51989

"Make it a combo" -- Get 40% off any Pizza and add Side Items for $5 each. Not valid on Artisan' Pizzas.
Restaurants & Entertainment Deals
g: 1 Posted By: Ayla
Views: 157 Replies: 1 The Following: The Complete First Season [7 Discs] [Blu-ray/DVD] - $22.99 FREE Pick up, or add $2.99 Shipping at Best Buy



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Special Features:
~~~~~~~~~~~~~~~~~
From a Dark Place: Maximum Episode Mode: Executive Produer's Audio Commentary on the Pilot with focus points
The Thrill of Horror: The Creator behind The Following: An in-depth look at creator Kevin Williamson's journey to bring The Following to television
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinning of the Followers
The Following Production Chronicles
The Followers Den


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


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g: 2 Posted By: Ayla
Views: 151 Replies: 0 The Following: The Complete First Season [4 discs] (DVD) From $9.50 F/S to $19.75 on eBay, and $19.99 at Best Buy





I AM LISTING ALL I FOUND ON eBay THAT ARE CHEAPER THAN THE ONES AT BEST BUY:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~



From lowest price to highest:
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Price: $9.50 - only 2
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


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Sale Price: $19.99

Regular Price: $34.99


FREE In-Store Pick-Up

Est. Shipping: $2.99
Free Shipping on orders $35 and up


Special Features:
~~~~~~~~~~~~~~~~~
An in-depth look at creator Kevin Williamson's journey to bring The Following to television
Deleted Scenes
From a Dark Place: Maximum Episode Mode: Exective Producers' Audio Commentary on the Pilot with focus points
Season finale Commentary
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinnings of the Followers
The Followers Den
The Following Production Chronicles
The Following: Free Megan
The Poe Mask
The Thrill of Horror: The Creator Behind the following:


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


Compare:
~~~~~~~~
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g: 0 Posted By: ctgolfer
Views: 70 Replies: 0 Prevents viruses, spyware, worms and Trojans from infecting your Mac or PC with the software's protection, and safeguards your Android device to keep your information safe on the go
Helps avoid spyware by identifying dangerous links in Web sites, social networks, e-mail and instant messages
Guards against identity theft by detecting spam e-mail containing phishing scams, which can trick you into revealing private personal information
Browse the Web with confidence, since the software provides safe surfing by preventing you from visiting dangerous sites
Limit access to personal data on Facebook, Twitter and Google+ with online privacy management and perform your online banking tasks with confidence in the secure browser
Shield your sensitive files with the Vault and store up to 25GB of data in the Cloud for safe, convenient solutions
Optimizes the performance of your Mac or PC with the System Tuner
Keep your kids safe when using the computer with the customizable parental controls that allow you to restrict access or filter content to Web sites you deem inappropriate, restrict how much personal data they can share online and monitor their use
Find a lost or stolen compatible mobile phone or tablet, or remotely lock and clean your device with an application that also backs up and stores data and identifies mobile apps that steal your personal data

www.bestbuy.com/site/titanium-premium-security-2014-5-device-1-y...
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g: 0 Posted By: SyZpuzzler
Views: 223 Replies: 3 Hello, I made a post a few weeks ago about purchasing a house but that is down the road, and this is more pressing

Currently, this is my situation: $39k salary, $29k combined student loan debt between 2.8% and 5.9%, $8.5 car loan at 1.9%, and a $3,400 CC balance on my Wells Fargo card I've had for over 10 years. As far as I know, my credit is good (excellent??? No late payments on anything in years, no other outstanding debt, I've held car loans before, I've had student loans for many years, etc. I don't know the actual score because when I go to annualcreditreport.com it just gives me a detailed summary but not my actual FICO score)

I currently have $1,000 I want to pay towards my credit card, and I'm looking to pay off the remaining $2,400 within a year (hopefully within 6 months ...)

I haven't gotten a new card in years, including a debit (also WF). I know there are tons of programs to move your balance, get 0% for a year, get 2% Cash Back, all sorts of stuff

My main question is: should I move my $3,400 balance to a new card with 0% down and potentially some rewards like Cash Back, then pay it down within a year and use that card moving forward?

Follow up questions:

- Once my current card is paid down, can I close it? Do I get a credit hit if I close a current line of credit?
- If I get a Cash Back or rewards card, is the correct way to make purchases moving forward to just use the credit card then at the end of the month pay it 100% off with the money from my checking account I would have used anyways?
- I know Discover has some sort of program where they tell you your credit score every so often. Are there any other programs? Ideally, 0% + a Cash Back rewards + a FICO score would be fantastic but that seems like a pipe dream
- Is it worth it to call Wells Fargo and basically pull the 'Hi, I'm a loyal customer. I see offers to move my balance over and get a 0% interest, is there anything you can do about my interest rate?' card AND THEN if they lower it, STILL move the balance over?
- My current credit line is $4,800, bumped from $3,600, bumped from $2,500. Will I more than likely be approved for at least a $3,600 limit on the new card? (Enough to move $3,400 + the 3% fee)

Yes, I know there is a credit card thread but it has 112 pages and I simply cannot invest the time into that much

Thanks

Credit Deals
asset protection from medical malpractice
Added on : Thursday May 29th 2014 08:00:11 AM
g: 0 Posted By: fdrjs
Views: 124 Replies: 3 I practice medicine in FL. My wife and I own several properties. Cap for tort cases were just recently removed in FL. I worry that our properties are exposed in case the award is greater than my malpractice insurance coverage (typically $250,000). I am not worried about tenants suing as much because of our umbrella insurance.

Options:
1. put a total of 3 rental properties in a LLC. Will a LLC prevents plaintiff from going after the properties if the award isgreater than my malpractice insurance coverage?
I am aware of serial LLCs but cost of maintaining and organizing is higher.
2. will putting all properties under my wife's name work?

Any advice is greatly appreciated.
my experience with the ACA; does this mean I'm poor?
Added on : Wednesday May 28th 2014 06:00:03 PM
g: 0 Posted By: bluegreenturtle
Views: 132 Replies: 2 I see no reason to create an Alt for this - I have no idea why people do when asking personal questions. So last month, I was looking through various health insurance options for next year (we opted to "keep our insurance" because it was very cost efficient, a $3500 deductible HSA) and the site redirected me to a "community adviser" which is what my state (Oregon) is using to sign people up for ACA compliant plans (because, as you might have heard, our website is dadgum broken). It gave some details on "Healthy Kids" which is our state's low income assistance for people under 19 and it seemed like we might qualify, so I signed up for a call from the adviser.

To my surprise, using our tax return as an income qualifier, we not only qualified for assistance, our children qualified for the "no cost" options for assistance and the adviser took their info and signed them up right away because our income was "so low". We signed up for new insurance that is similar to in cost, though slightly worse coverage than what we had, but getting the kids on the healthy kids plan cut our premiums way down. I'll post the qualifications for the plan at the bottom of the post - basically if you're at 300% or below of the poverty level, you qualify for full coverage for your kids.

The number that brought this about was that our AGI on our return was $55,000. The insurance adviser said that the state considers anything below an income of $78,000 for a family of four to be qualified for free health coverage for the kids. To arrive at the AGI, we also contributed $16k to my SEP IRA, $5500 each to our trad. IRA's, and $3250 each to our HSA, so we put away about $33k this year in tax deferred accounts and paid all our bills too. To me, this doesn't seem like a family that should qualify for public assistance.

So my question is this: am I poor? Does this mean we're on public assistance? I'm a long time member of Fatwallet, have always felt we were doing well above average, even among members of this forum - the above information shocked me; our state considers us to be in need of public assistance. Maybe I'm deluded. I grew up poor and am usually happy with our little successes. I feel like I'm missing something - the forms have all come with our children signed up, and now we don't have to pay for their premiums, and their coverage is complete, supposedly, much better than what we had buying it. I have no idea if they verified our income - it seems like they must have, but I'm not sure how they had time.

Here is a link to the qualification guidelines. Obviously every state is different. Perhaps ours is overly generous. http://www.oregonhealthykids.gov/families/qualifications.html

Discussion Deals
Best place to get a conventional renovation mortgage
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: lazyace
Views: 0 Replies: 0 I am considering buying a condo that need a complete rehab, or at the very least new baths and kitchen. This is an estate sale and the building is not FHA approved. What is a good place for a conventional renovation loan? I know Wells Fargo is offering them, but are they an OK lender? From what I have read, there are many potential problems that could arise in the process, so a decent level of customer service is essential.

I am also an immigrant and a first time buyer i.e. no experience with home ownership, lenders, or contractors. This kind of project seems too ambitious, but I have been looking for a long time and pretty much everything about this condo is perfect other than the fact that it needs work. Any and all advice will be greatly appreciated.
g: 0 Posted By: ctgolfer
Views: 44 Replies: 0 EXCLUSIVE OFFER: SAVE $25 FOR EVERY $64 YOU SPEND
SAVE $25 OFF Chefs Star Stainless Steel Juicer

Easily fit whole fruits & vegetables for effortless juicing
Powerful 700 watt motor makes extracts juice a breeze
Extra large pulp bin allows you to juice much longer
Dishwasher safe: easy to use, assemble, disassemble and clean
Attractive stainless-steel housing

www.ebay.com/itm/171220707755
Appliance Deals

eBay Coupons
g: 0 Posted By: VivianLau
Views: 28 Replies: 0 AFAIK, this one is amazing. There are 3 USB ports and 1 LAN port. When your computer is lack of USB, this can help you. The LAN will also play a great role. It is pretty helpful to me and much economical AR, HTHhttp://www.amazon.com/dp/B00IJU0K2Q
Electronics Deals

Amazon Coupons
Cuisinart Blend-and-Cook Soup Maker - $49.99 w/ FSSS @ Amazon
Added on : Tuesday May 27th 2014 01:00:03 PM
g: 0 Posted By: hellokitty27
Views: 211 Replies: 0 Amazon has the Cuisinart Blend-and-Cook Soup Makerfor $49.99 w/ free Super Saver shipping. Historic low price on Camel.

Versatile machine makes hot soup, whips up smoothies, crushes ice and does much more
For soups, simply add pre-cut ingredients and the machine sautes, blends and keeps the soup warm until serving
Razor-sharp blades quickly chop or mince foods; push-button digital controls make it easy to set cooking time and temperature
Three temperature settings- bringing soup from a gentle simmer to a boil; thermal shock-resistant glass container with plastic base
Four speeds; plus stir and pulse functions; blend ingredients to desired consistency

Appliance Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/gp/product/B007Y1OS4M

Author and official coupon fashionista, Charmaine Gerber has had nearly a two decades of experience in the fine art of frugalness in the kitchen and she estimates she saves her family around 5 thousand dollars a year with a simple system that anyone can implement.

Despite her frugalness in the kitchen her family is well fed and they enjoy healthy, delicious meals every time.

The secret according to Charmaine is simple It is a combination of smart planning, shopping and cooking. It isnt rocket science, but if you follow my guide, I will show you hundreds of tips that will save you thousands of dollars in the kitchen every year and also leave your family healthier as a result. The choice is yours, you can harness all of my tips and save even more money or select which tips are right for you and still enjoy significant savings.

Just a sample of the many techniques covered in the book are:

Her system of selecting meat and produce that ensures you get both healthier food and enjoy significant savings as a result.

Tips for stocking and storing produce to maximise your savings and ensures that your food maintains as much quality as possible over time.

Tips to turn boring leftovers into exciting lunches that your kids will look forward to eating. Included are a number of recipes and ideas to work with.

A comprehensive guide for how long you can store each type of food so you can plan out months in advance.

Bonus 30+ recipes for delicious, healthy meals that wont bite your purse (or your wallet).

If you are looking for a way to give your family healthier meals, save time and also save thousands of dollars a year in the process, this is the book for you.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 21 Replies: 0 The Lufkin Self-Centering Power Tape Measure helps you take accurate measurements every time
It is a self-centering tape for improved precision and efficiency
Its versatile design makes it suitable for a variety of projects, which include construction, carpentry, landscaping, tailoring, installing and much more
Wide base allows vertical and horizontal measurements without tape bending
Unique slide lock gives excellent control over tape blade
Slide lock also protect blade from bends and faded inaccurate markers
Removable belt clip enhances mobility
Blade tape has yellow clad finish
Great tool for professional and home use

www.sears.com/shc/s/p_10153_12605_00931543000P
Tools Deals

Sears Coupons
g: 0 Posted By: DaysFan
Views: 191 Replies: 1 http://www.sears.com$499.Craftsman 8' x 4' Resin Storage Building, 206 cu. ft. - Exclusive VersaTrack CompatibilityItem# 07165006000P | Model# 65006Get Handy, Durable Storage with this Craftsman Storage Shed
Boasting a steel-reinforced roof and double-wall resin construction, this super-tough Craftsman 8' x 4' Resin Storage Building 206 offers long-lasting, weather-resistant performance and a lifetime of durability. Two corner shelves with eight optional locations give you exceptional storage versatility. Tired of looking for tools and equipment in the dark? No problem. The heavy-duty storage shed comes with two energy-saving skylights, so you can find the right tool for the job without flipping a light switch. With exclusive, VersaTrack compatibility.
The Craftsman storage building offers a spacious, 206 cu.-ft. capacity for storing your essential equipment. A dual swing door with a 60"W x 72"H door opening provides easy, in-and-out access to your equipment. A peak height of 6 ft. with an 8.3-ft. width gives you plenty of room to move around and organize. Metal hinges and pad-lockable metal handles (lock not included) keep your equipment safe and protected. Plus, with less than 50 sq. ft. of ground coverage, it won't take up much space in your backyard.


The Craftsman 8' x 4' Resin Storage Building 206 has assembled dimensions of 8 ft. 4-1/2 in. W x 4 ft. 3/4 in. D x 8 ft. 7 in. H and a 206 cu.-ft. capacity to store all of your essential equipment
Exclusive VersaTrack compatibility provides multiple organization options for the interior of your shed
Steel-reinforced roof and

... read more


Home & Garden Deals

Sears Coupons
Domino's Pizza $5.99 Large 2-Topping Pizzas, All Week Long, ymmv
Added on : Monday May 26th 2014 11:00:02 AM
g: 0 Posted By: rmi65700
Views: 25 Replies: 0 Their pizza is so much better than it use to be! Just go the email. Not sure if it is targeted.
Restaurants & Entertainment Deals
g: 0 Posted By: GraPaJo
Views: 512 Replies: 1 Kinesis K3 Universal Rechargeable Wind, Solar and Outlet Charger - Power Your Devices, Anywhere! Ships Free!

http://13deals.com/store/item.php?id=36865

Retail: $99.95

$19.99

You save: 80%

Charge this up with a wall outlet, solar or wind and use it to power your cell phone, tablet, GPS, and much more!
SEE THE VIDEO!

Product Info

Harness the power of the sun and wind to recharge your portable devices with the K3 Wind & Solar Charger! Now you don't have to sacrifice having your smartphone when you go camping or hiking, just bring along the K3 and you'll be up and running with a little help from the wind and sun! A large capacity rechargeable battery allows the K3 to store a charge so you can place it in the sun or wind then connect your device later and the LED lights on the side let you know the status of the charge. The included AC wall plug allows you to pre-charge the unit before you ever leave your house! The USB port on the side lets you to connect whatever charge cord your device requires (several tips included) and there is even a spot to store cords and charge tips! The K3 features a versatile design that can lay on it's side, hang up or stand on it's own and the rugged construction is durable enough to travel with you out into the elements - there is even a handy draw string bag included to carry the K3!

Product Details

Charge by collecting FREE power from the wind and sun. In addition, you can charge
Large 4000 mAh capacity rechargeable battery
USB port for charging in and out
LED charge status lights
Durable design that stand, lies, or hangs
Storage inside for adapters and charge cords
Ideal for outdoor travel, recreation and emergencies
Works with all rechargeable hand held devices!

Included

K3 Wind & Solar charger
Tips and charge cable
AC wall plug
Draw string bag
Quick Start Guide
You will receive black or green

Electronics Deals
g: 0 Posted By: GraPaJo
Views: 173 Replies: 0 Kinesis K3 Universal Rechargeable Wind, Solar and Outlet Charger - Power Your Devices, Anywhere! Ships Free!

http://13deals.com/store/item.php?id=36865

Retail: $99.95

$19.99

You save: 80%

Charge this up with a wall outlet, solar or wind and use it to power your cell phone, tablet, GPS, and much more!
SEE THE VIDEO!

Product Info

Harness the power of the sun and wind to recharge your portable devices with the K3 Wind & Solar Charger! Now you don't have to sacrifice having your smartphone when you go camping or hiking, just bring along the K3 and you'll be up and running with a little help from the wind and sun! A large capacity rechargeable battery allows the K3 to store a charge so you can place it in the sun or wind then connect your device later and the LED lights on the side let you know the status of the charge. The included AC wall plug allows you to pre-charge the unit before you ever leave your house! The USB port on the side lets you to connect whatever charge cord your device requires (several tips included) and there is even a spot to store cords and charge tips! The K3 features a versatile design that can lay on it's side, hang up or stand on it's own and the rugged construction is durable enough to travel with you out into the elements - there is even a handy draw string bag included to carry the K3!

Product Details

Charge by collecting FREE power from the wind and sun. In addition, you can charge
Large 4000 mAh capacity rechargeable battery
USB port for charging in and out
LED charge status lights
Durable design that stand, lies, or hangs
Storage inside for adapters and charge cords
Ideal for outdoor travel, recreation and emergencies
Works with all rechargeable hand held devices!

Included

K3 Wind & Solar charger
Tips and charge cable
AC wall plug
Draw string bag
Quick Start Guide
You will receive black or green

Electronics Deals
FIA Card Services - New Website?
Added on : Sunday May 25th 2014 04:00:06 PM
g: 0 Posted By: NEDeals
Views: 1 Replies: 0 Wow, FIA might be upgrading their website, which is straight out of the 1990s. Maybe they might consider crazy features, like email, account alerts, viewing purchase categories, and dispute? It is probably too much to ask. But there was prior speculation that FIA was transferring some credit cards (e.g. Fidelity Amex) to BoA proper in preparation for a possible sale. I doubt BoA would invest
a nickel in FIA's website if they plan to sell.


FIA said: Coming soon: Improved site navigation and support features to enhance your online experience.


During the weekend of June 20, 2014, we are updating our systems to improve your online experience and provide
you with enhanced features. During this time, you will still be able to access and view your accounts, but certain
functions may be limited.

Bill Pay Choice will be unavailable from June 19 through June 23. Any scheduled payments will take place
as usual during that time, but you will not be able to add, modify or delete any payments set up
in Bill Pay Choice. If you need to make a payment while Bill Pay Choice is unavailable, you can call
Payments-by-Phone at 1-888-339-6262.

Below are a few of the key enhancements you will see:

Improved navigation. Enjoy redesigned pages with upgraded functionality for streamlined navigation throughout the site
to help make managing your accounts easier than ever.
Upgraded support features.New tools will provide interactive help and navigational assistance for locating what you
need more quickly.
Automated alerts.We will help you stay up-to-date by sending automated alerts to the email address you provided about
account updates, new card orders, statement delivery and more. This way we can quickly communicate with you and
help safeguard your information.

What you need to know:The first time you log in to the enhanced site you:

Will be asked to verify your identity by answering your Challenge Questions.

If you can't remember the answers to your challenge question, you can visit the My Profile page
to update your Challenge Questions prior to conversion.

Will be prompted to review and accept the Terms of Use agreement.
May need to create a new Login Name.

If necessary, you will be prompted to do so when you log in.


Customers with authorized user privileges will no longer be able to access your account online. Accounts will only be accessible
online to the primary account holders, co-applicants and guarantors. You will need to make alternate arrangements if an
authorized user manages this account online.
g: 0 Posted By: ctgolfer
Views: 136 Replies: 0 OneTouch favorites menu offers instant access to your personalized bookmarks of favorite places and searches anywhere you travel. With a single touch, find your favorite caf or restaurant in any city.
Free Lifetime Maps & Traffic updates provides real-time traffic information. Avoid traffic jams, detours and construction zones.
4.3-inch color touch screen is easy to view.
Spoken street names and directions so you can hear upcoming turn directions.
Highway exit POIs search finds gas stations, restaurants, hotels, and more near upcoming highway exits.
QuickSpell narrows your address and city searches, as you type, making destination entry easy.
Multi-destination routing lets you plan your trip with multiple stops. Choose the order you want or automatically optimize your route. Saving time and money.
Preloaded premium maps give you the latest maps and directions as you travel the contiguous United States, Hawaii and Puerto Rico.
Millions of points of interest (POIs) help you easily find gas stations, restaurants, ATMs, coffee shops, and much more.
Route customization lets you choose the shortest distance, fastest time, most use of freeways, or least use of freeways
Address book enables you to create and store contact information.
Auto night view adjusts your screen's color and contrast for easy night viewing.
Automatic re-route lets you quickly get back on track in case you missed a turn.
Dimensions: 5 x 3.3 x 0.6
Weight: 5.2 ounces

Brand: Magellan
Model: RM2035RGXUH
Condition: Factory Refurbished
Warranty: 90 Day
Packaging: Brown Box

http://1sale.com/electronics/other/magellan-touch-screen-gps2/
GPS Deals

1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 62 Replies: 0 shipping adds $5

Good Ideas Compost Wizard Dueling Tumbler

7 cubic foot total capacity (3.5 per chamber)
Fully Assembled - Low maintenance
Compost Tea collecting base with wheels (up to 5 gallons)
8" twist lids to secure the chambers
Safe for pets and children
Black color for heat absorption
Made in the USA with FDA approved materials
-- OR --

Good Ideas Compost Wizard Jr.

Holds 7 cubic feet of compost and sits on a wheeled base
Handles provide better grip to make turning even easier
12" twist off lid keeps your compost safely closed off but is easy to remove and even doubles as an extra turning point
The ends feature aeration holes which provide much needed airflow for the compost batch with the option of drilling more for those who live in areas with low air currents
The wheeled base allows you to turn the bin effortlessly and can easily be separated to allow the bin to roll freely from place to place
Low profile design ensures that it stays out of sight and won't be blown over in high winds
Crafted from resin, the bin is 100% recycled and the rich dark color absorbs the sun's heat keeping your compost at a nice hot temperature
Arrives fully assembled and requires little maintenance
Makes compost 3x faster than traditional bins and piles
Help keep organic waste out of landfills
Made in the USA with FDA approved materials

www.woot.com/offers/good-ideas-composters
Home & Garden Deals

woot! Coupons
g: 0 Posted By: tedhawkins
Views: 161 Replies: 0 Oakley Men's Rykkinn Snowboarding Jacket (Color: Navy Blue) (Size L,XL) $62.50 (Reg $120+) FS @ Amazon

http://www.amazon.com/Oakley-Mens-Rykkinn-Jacket/dp/B00G7HTAP6


DESCRIPTION

WHO KNOW WHAT YOU'LL DO WITH THIS MUCH COMFORT?
Give you warmth and some weather protection and step back 'cause there's no telling what you'll do. The Oakley Men's Rykkinn Jacket knows you have your moments of crazy, so it delivers allover Thinsulate insulation to keep you warm while you plot your next stunt. And it has two layers of weather-resistant, breathable laminate, so a little storm won't be enough to stop you. Wrist gaiters, a storm flap with hook-and-loop and snap closure, and adjustable hood seal out the elements. Underarm zip vents let you cool down when hiking the pipe or going out of bounds. And of course you need to rock out, so this jacket has an elastic media pocket for your listening pleasure.

Polyester with 2L Hydrogauge 10 laminate
Thinsulate insulation (80g in body, 60g in hood and sleeves)
Critical seams taped
Regular fit
Inner storm flap with hook-and-loop and snap closure
Underarm venting
Snap storm skirt connection with Lycra
OOR hood
Wrist gaiters
Chest, elastic accessories, and two hand pockets
Clothing Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 296 Replies: 0 use promo code: MEMHD

The Power Bank Elite uses the latest Lithium battery technology and integrates it with both USB and AC Power Outlets giving you the kind of power you need, when you need it, where ever you are. The Power Bank Elite 25 has a 25,000 mAh Lithium-Polymer portable battery pack which enough power to charge your iphone/smartphone up to 8x; ipad 1.5x on a single charge. You can also run a small appliance with the AC outlet. The Power Bank Elite 25 comes with two 2.1A USB charging ports; one 1.0A USB charging port and an AC outlet for a complete battery backup charging companion. These versatile charging ports allow for charging four devices at once. Being lightweight and small in size make it an easy travel companion. The bright LED status indicators let you know how much charge power is remaining. For smaller size check out the Power Bank 5.0 with a 5,000 mAh Lithium-Polymer portable battery pack or the Power Bank Elite 15 with a high capacity 15,000 mAh Lithium-Polymer portable battery pack. Regulatory compliance: FCC part 15 class B.

Lightweight and portable makes this the perfect traveling back up battery companion
Battery indicator and charging indicator gives you real-time information on battery life
Two 2.1 Amp USB ports to charge ipads and tablets
One 1 Amp USB ports to charge smart phones and other small electronics
Comes with AC adapter add optional nature power 18-watt folding solar panel for added flexibility
UL and cUL safety certified approved for airline travel

www.homedepot.com/p/t/203917337
Batteries & Chargers Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 81 Replies: 0 PRODUCT OVERVIEW

The Power Bank Elite uses the latest Lithium battery technology and integrates it with both USB and AC Power Outlets giving you the kind of power you need, when you need it, where ever you are. The Power Bank Elite 25 has a 25,000 mAh Lithium-Polymer portable battery pack which enough power to charge your iphone/smartphone up to 8x; ipad 1.5x on a single charge. You can also run a small appliance with the AC outlet. The Power Bank Elite 25 comes with two 2.1A USB charging ports; one 1.0A USB charging port and an AC outlet for a complete battery backup charging companion. These versatile charging ports allow for charging four devices at once. Being lightweight and small in size make it an easy travel companion. The bright LED status indicators let you know how much charge power is remaining. For smaller size check out the Power Bank 5.0 with a 5,000 mAh Lithium-Polymer portable battery pack or the Power Bank Elite 15 with a high capacity 15,000 mAh Lithium-Polymer portable battery pack. Regulatory compliance: FCC part 15 class B.

Lightweight and portable makes this the perfect traveling back up battery companion
Battery indicator and charging indicator gives you real-time information on battery life
Two 2.1 Amp USB ports to charge ipads and tablets
One 1 Amp USB ports to charge smart phones and other small electronics
Comes with AC adapter add optional nature power 18-watt folding solar panel for added flexibility
UL and cUL safety certified approved for airline travel

www.homedepot.com/p/t/203917337
Batteries & Chargers Deals

Home Depot Coupons
B2G1 Free Mascara Event @ Nordstrom - Today Only - FS or BM
Added on : Saturday May 24th 2014 04:00:05 AM
g: 0 Posted By: fivetalents
Views: 193 Replies: 0 Nordstrom's much anticipated buy 2, get 1 free mascara event is today only,online or in stores. The free mascara must be selected from a list of 175 qualifying products (a dozen more than last year). Prices start from $6 (cheapest ever?). The cost of the free/lowest-priced mascara will automatically be deducted at checkout.

"Blink... and it's gone! Buy 2 mascaras, get 1 free. Mix and match three mascaras from your favorite brands, and we'll automatically deduct the cost of the lowest-priced mascara in Checkout. No promo code required. But don't blinkthis offer lasts for 24 hours only (online and in store Saturday, May 24, 2014).

Excludes lash primers, serums, enhancers and mascara sets. Free mascara can only be shipped to the same destination as your order and cannot be shipped to international addresses. If you return the qualifying item(s), please return the gift as well."

Bonuses:
- Many brands (like CIinique) currently have free gifts with minimum/select purchasepromotions going on so you could get some very useful free stuff based on the brand of mascara you buy (see each brand for terms).
- Get 3 free makeup sampleswith any online makeup purchase.
- Mac has a recycling program where you get a free product of your choice from limited selection of products (e.g., lipstick) for bringing in 6 empty containers of any of the same type of
product... so this deal can get you halfway to a Mac freebie (or all the way if you do it twice).
- Unlike previous years, there is no stated limit of 1 per person, no code is required online, and greatly expanded selection (175 mascaras to choose from with more less expensive options).

FREE SHIPPING (no minimum required) . FREE RETURNS. ALL THE TIME.
Makeup Deals

Nordstrom Coupons
Nakamichi NK2000 Headphones @ KMart $25 - $20.25 SYWR
Added on : Friday May 23rd 2014 04:00:02 PM
g: 0 Posted By: REALid10t
Views: 39 Replies: 0 I was killing time at Kmart before work the other day...yes, apparently that happens still, you see some interesting things.Anyway, I stumbled upon Nakamichi NK2000 headphones for $25 with $20.25 back in Shop Your Way Rewards. So your net is $4.75 plus tax if you're into that sort of accounting.

Turbulence
Yellow
White

I do not have information on when this offer ends.
I don't know much about the brand either, but they have decent reviews on the Kmart site. as opposed to no reviews onAmazon(where they're $39.90).

ETA: I was wrong, this is available through the website. It'll show $20.25 under "Earn for Next Order" when you're checking out. With Free Store Pickup.
If you're signed in to your SYWR account, the product page should state that a Shop Your Way Rewards coupon has been loaded, near the price.
Seems to be OOS for shipping.

Specs
This home entertainment system provides you with a Blu-ray player, 5.1 channel surround sound and 1000 watts (167W x 5 + 165W) of total power.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 Brand New and Factory Sealed

T-Mobile Service (US Only)

4.5" qHD Touchscreen

LTE Capable (where available)

NFC Capable

5MP BSI Camera with Flash

1.3MP Front-Facing Camera

HD Camcorder

Bluetooth Connectivity

Wi-Fi and Mobile Calling

Visual Voicemal

And Much More!

Includes: battery, wall charger, USB cable, SIM card, T-Mobile Start Guide and T-Mobile Terms and Conditions. For use with T-Mobile service only and requires a Monthly Plan starting at $50 a month.

www.ebay.com/itm/141202096219
Umbrella Policy - How much to get
Added on : Thursday May 22nd 2014 11:00:08 AM
g: 0 Posted By: elptrainerny
Views: 106 Replies: 4 I am debating over how much to get especially with a rental property. At first I was thinking 1M, but now leaning toward 2M.. Anyone else can give advice on what they get?
Personal Finance Deals
g: 2 Posted By: Llilith
Views: 485 Replies: 7 New customers can get their first lingerie set from Adore Me for $9.95 with free shipping and free returns. Use coupon TRYFOR10 and choose a set from this category.There is a good selection of sizes, including plus sizes.

UPDATE:
This does require sign up in their VIP program(thank youpitflyer!)

From the merchant site:
We think you'll love the flexible VIP Membership, there are tons of benefits and perks! Enjoy fashion-forward lingerie from$39.95, every6th set free, exclusive VIP designs, sneak peeks and much more! You dont need to shop every month, all you need to do is visit your showroom before the fifth and either shop or skip.Well send you reminder emails, but if you forget, no worries!Youll be charged a $39.95 store credit to use anytimeand if you dont want this store credit, we have a convenient 30 day no-questions-asked refund policy. We think youll adore the VIP life!
Clothing Deals
TD Bank Premier checking vs competitors?
Added on : Thursday May 22nd 2014 08:00:09 AM
g: 0 Posted By: deeder
Views: 43 Replies: 0 Was shopping for a global access account. Schwab denied me for mobile deposit and they only do domestic transfers. TD Premier seems to give a lot with unlimited rebates, free cashiers checks and money orders and free incoming wires and they do international fund transfers as well for 2500 min balance requirement and free stops on checks and they have long hours. Chase and Citi have much weaker offerings along with other banks I've found. Schwab is missing features plus customer service waited a full 72 hours just to let me know my mobile deposit application was denied again.

Is there anything more competitive that TD Bank Premier Checking at this time for the NYC metro region? I have a local TD bank branch here though it is a block or two further than the other banks.

Service features and hours are tempting. I don't like minimum balance requirements because I like access to move my money when I want and I feel that while the money is still mine it's dead money I can't touch just to have fees waived.
More Money = More Problems/Stress? How To Stop It.
Added on : Thursday May 22nd 2014 05:00:12 AM
g: -5 Posted By: robronson
Views: 67 Replies: 7 I started making triple my old salary recently by going into consulting and it's nothing but stress and headaches. Before, when I was making roughly $70k a year, I was really happy maxing out my 401k (to the actual max, not the employer match max), maxing out my Roth IRA, maxing out my iBonds, and I didn't really have much left over after living expenses so I basically spent the rest, with the knowledge I had been doing well in my savings (hitting all the maxes), and was comfortable.

Now I have first-world 1%-er problems because being self-employed I can contribute my employer contribution to the 401k as well. I had to shift around my existing Traditional IRA money into my Solo 401k to be eligible for a back-door Roth contribution (which was a huge hassle because none of the account transfer forms worked as expected so I wasted hours and hours getting this done). I have to max out an HSA. I have two sets of I-Bonds I can max out (individually, and corporation's EIN). I have to pay quarterly estimated tax. I have to avoid overpaying the estimated tax, so I don't give the IRS a tax-free loan, but I have to keep the money liquid and free to pay the tax, so I have to maintain a Rewards Checking account and meet the requirements to get the higher rate on this money. I'm juggling multiple credit cards for their rewards, moreso than before, because of all the businesses expenses I have, reimbursable by the client.

I say "need" and "have to" somewhat facetiously because I don't really HAVE to do those things. But it would cause me great stress to let $5k per year in credit card rewards go unearned because I didn't juggle credit cards on my $10k/month business travel expenses. And it would feel bad to not earn 2% yield in a rewards checking account on $20k sitting there waiting to pay SE Taxes.

I made a spreadsheet to track my estimated earnings throughout the year, for tax planning purposes, and I'll be "in debt" to myself until November. In other words, it's not until November that my incoming consulting money will be enough to max out the 401k, IRA, HSA, IBonds, and pay the taxes owed on the income. If I can't keep getting gigs continuously through November, I'm screwed. My contingency plan is to use money earned in 2015 to pay 2014 employer-contribution 401k, IRA, and HSA because those aren't due until April 2015 (and technically I think my employer-contribution 401k can be paid by October 2015 if I file an extension). Of course, this contingency plan is only kicking the can down the road and I'll have problems meeting my 2015 contribution maxes if I use 2015 income to pay old 2014 "debts" to myself.

I thought making a lot of money was supposed to be fun and stress-free? I just feel like Damocles' Sword is dangling over my head. I don't mean this to be a thread about my personal situation. Let's discuss how more money has led to greater stress in your life and what you've done to reduce the stress.
Discussion Deals
g: 0 Posted By: VivYip
Views: 144 Replies: 1 the Staples ad for 5/25 is up; nothing much in my opinion, but anyway:

front page related
20% back on $200 HP toner
10% back on $60 HP ink
$12 for 2 Iris 54-quart Stack & Pull storage box - blue 781454

paper
3.99AR hammermill ream (limit 4?) (praying for coupons at this point)
$59.98 for 2 multipurpose case

copy/print promo
$3 24" x 36" engineering prints

Poppon & notebooks
20% coupon

tech ish (some mention of a $30-300 for trade in event.)
199.99 1000328 Samsung Galaxy Tab 4 7"
349.99 1000329 Samsung Galaxy Tab 4 Lite 10.1"

hoping for decent coupons to show up, but doubtful these days
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: remick
Views: 92 Replies: 0 http://www.amazon.com/gp/product/B00KDPJE54

Want to become the finest baton twirler and lead the parade?

This is your essential guide that covers everything you need to know in a step by step easy to follow method. Soon youll be baton twirling that will make you look like a master baton twirler with years of experience!

Discover inside is the easy way to perform the basics like

Horizontal twirls, In and outside circles, Hand spins, Pass around

Plus some advance fancy moves
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Also included
How to perfect jumps, leaps and aerial moves. Everything you need to know to become a baton twirling master. These moves take lots of practice but by following our unique easy to follow step by step guide well help you master them all.
This really is the ultimate book on baton twirling.

My daughter has just started baton twirling and with your guide she has already mastered the basic moves and is now performing twirls that took me much longer to perfect. Great guide thank you Clare MacLachlan

I loved the detailed illustrations they really helped me understand how to complete the moves Connie Paxton
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g: 0 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/gp/product/B00HVS5DT2

I tried everything. Changing shoes, changing nutrition, changing my running form and changing my training plan. I even prayed to the running gods! It didn't matter. Every time I'd 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 wasn't getting fitter and my times certainly weren't getting faster (in fact, they were getting slower). Running wasn't 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. I'm 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.

In this book you'll receive not only the 50 Best Tips EVER for Running Fitter, Faster and Forever, you'll also receive:

- Instructional videos on running drills, flexibility and running-specific strength training
- Training pace calculator
- 6 audio downloads for mental toughness
- 8 training programs ranging from 5k to marathon
- 5 bonus videos on barefoot running, overuse injuries and how building a better butt will lead to a better life

And MUCH MORE!

If you're just starting out and you think this book isn't for you because you're "not a runner," it is! It will get you started on the right foot and help you get the most out of your running...whatever that means to YOU.
Totally Free Deals
Free Kindle Book - Java 8 New Features: A Practical Heads-Up Guide
Added on : Thursday May 22nd 2014 01:00:10 AM
g: 0 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00KD6SVYS

Are you are worried you are missing out on the latest version of Java? When you hear a term such as lambda expressions - do you wonder what you are neglecting? If so, Java 8 New Features will squash your concerns and deliver a quick and easy-to-understand guide to whats new in Java 8.

The latest version of Java offers numerous improvements and new features to better utilize Java. Streams, for example, supports a fluent approach to problem solving and lets the developer take advantage of concurrency with minimal effort, whilst Lambda Expressions offer new ways of expressing a solution that brings efficiency and succinct programming.

Get up-to-speed here!

Java 8 New Features is a concise new book filled with code examples and best practice.

In this book, you will:

- Learn how interface enhancements - such as default methods - affect new additions to Java 8 and their impact on multiple inheritance between interfaces
- Use lambda expressions to simplify solutions to development problems
- Discover how the new Stream interface supports query type problems
- Explore the new support for concurrent processing including that supported by Streams
- Find out why the new date and time enhancements make working with time so much easier than it used to be
- Includes information on the Nashorn JavaScript Engine, File IO Enhancements, and Project Jigsaw
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g: 0 Posted By: myonlyday
Views: 5 Replies: 0 Amazon.com has the Seagate Barracuda 1 TB HDD SATA 6 Gb/s NCQ 64MB Cache 3.5-Inch Internal Bare Drive ST1000DM003 for $49.99 now.

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Seagate Smart Align technology provides a simple, transparent migration to Advanced Format 4K sectors.

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5-Port Poweradd 25W/5A USB Desktop Charger - $12.89 @ Amazon
Added on : Wednesday May 21st 2014 12:00:04 PM
g: 0 Posted By: hellokitty27
Views: 245 Replies: 1 Amazon has the 5-Port Poweradd 25W/5A USB Desktop Chargerfor $12.89 w/ coupon code UQ47UV25 and free Super Saver shipping on orders $35+. Sold by Poweradd and fulfilled by Amazon.

5 USB port design: 2 x 2.1A (for iPad), 1 x 1.3A (for Samsung tab), 1 x 1A (for iPhone), 1 x 1A (for Android), total max output of 5V/5A.
Wide input voltage range of AC 100-240V, compatible with all 5V USB-charged devices like iPad, iPhone, Samsung tab, smartphones, external battery, bluetooth speaker, headset and so on.
Ergonomic, compact and portable design, much more space-saving and well-organized while charging your devices.
Fire-resistant and hardened plastic outer shell for durability, build-in premium circuitry and microchip ensure device safety.
Package contents: Poweradd 5-port USB charger, 5ft detachable power cord.

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Price perception problem inhibiting sales.
Added on : Wednesday May 21st 2014 09:00:09 AM
g: 0 Posted By: zapjb
Views: 0 Replies: 0 What I get caught up in is perceived value by my customers moving or not moving products.

Just for easy numbers Though the numbers vary quite a bit. Say an average cost in parts totals $60 per unit.
I'll add this is just a sideline although I'd like to ramp up my sales by 5x or more. I won't figure in labor here
because I have extra time & repairing these units is therapeutic. If I started running out of free time then I'd
figure it in. Average sales price is $130 & I sell around 4 units a month. Sometimes I say let me goose the
sales & I lower to $100 per unit. Then at $100 virtually no sales. At $90 the phone doesn't ring at all. So I think
I'm being too greedy to improve sales but experience of lowering my prices many times proves me wrong.
Frustrating.

My 1st experience at this price problem was maybe 15 years ago. TM was selling their SIM cards at $20 a pop.
I was buying PP TM phones selling them for $20-$50 more a phone. I'd separate the SIM & sell them for $10.
At one point I had 5 SIMs, I was moving far away & I think these SIMs expired after a while. So I lowered my
price to $5, no calls or sales for 10 days. Then I upped them to $10 & sold 3 in 5 days.

I know this is a very small sample. But subjectively this price perception hurting sales has driven me nuts.
I don't know that theres much advice to given other than OP you're not telling us enough. But I'm just venting
I guess. The flea market 200-300% markup thread made me think of this again. Now hopefully I'll forget this.
g: 0 Posted By: ctgolfer
Views: 126 Replies: 0 The SSR 90 is an affordable radar/laser detector with reliable and proven performance. The unit detects all radar frequencies and laser signals currently used in United States and Canada. It comes with Voice Alert, Ultra Bright Data Display and much more..

Features:
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Ultra Bright Data Display: Provides easy recognition of band detected by use of band identification icons.
City/Highway Modes: Allows the user to select operating mode, reducing the frequency of falsing in densely populated urban areas.
Auto Mute: Automatically mutes the alert tone for enhanced driver convenience.
Signal Strength Meter: Provides the user with relative proximity to the Target.
Voice Alert: Provides the user with specific band voice annunciation.
Strobe Alert: A Cobra exclusive, works with tens of thousands of emergency vehicles currently equipped with traffic light controlling strobes emitters. Provides advanced alert of the presence and /or approach of these vehicles
Spectre I Undetectable: Provides complete immunity to Spectre I radar detector-detectors.
VG-2 Undetectable: Provides complete immunity to VG-2 radar detector-detectors.

www.newegg.com/Product/Product.aspx?Item=9SIA3K31H01288
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g: 0 Posted By: ctgolfer
Views: 149 Replies: 0 Worry-free data security with AES 256-bit full-disk encryption
No moving parts means no hard drive spin ups, no noise and superior data protection
An innovative lightweight design that allows you to work smarter and play longer.
Sequential Read Speed 540 MB / Sequential Write Speed 410 MB / Random Read Speed 94K / Random Write Speed 35K
Samsung's TurboWrite technology, 840 EVO can deliver much faster sequential write speeds compared to the previous 840 model, tripling the speed from 130 to 410MB/s in 120GB drives, and doubling it from 250 to 520MB/s in 250GB drives

also available:
120GB for $74.99
250GB for $139.99
1TB for $458.99

www.amazon.com/dp/product/B00E3W15P0/
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 57 Replies: 0 Roomy 36-oz. blender capacity
Boost your next party or family get-together with a frothy beverage. Serve concoctions to multiple guests at once with the sizable pitcher.
Heavy-duty, shatterproof plastic pitcher
Durable and much lighter than heavy glass pitchers, yet just as scratch-resistant.
Dishwasher-safe means easy cleanup
The pitcher is safe for the top rack.
2 speeds Target different drink types
Choose from the manual shave-only setting or a blend-only setting to customize the consistency of your favorite frozen beverages.
400 watts of crushing power
Basic blending and ice-shaving needed to make a margarita or other tasty drinks in just minutes.
Automatic Shave-N-Blend cycle for the best drink proportions
The sharp double layers of a stainless steel shaving paddle cut through ice and effortlessly incorporate ingredients.

www.bestbuy.com/site/margaritaville-bahamas-36-oz-frozen-concoct...
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Young couple starting retirement savings
Added on : Tuesday May 20th 2014 10:00:06 AM
g: 0 Posted By: novicenancy
Views: 109 Replies: 5 Hi everyone!

I am 24 and my husband is 26. We do not have a company 401K or anything like that yet but would like to start saving a little bit for retirement. We are planning to start a Roth IRA but would like some feedback from experienced investors. We come from families of limited means and have no family or parents to speak to about this subject, but I am hoping some internet strangers could offer advice.We know the importance of investing and saving for our future, but we are afraid of making a mistake with what little money we have!

So our current plan is to open a Roth IRA with $1000 initial investment and $200 a month while we continue to build our income, pay down debt aggressively, and save more in our emergency fund. For what it is worth, we have no high interest debt or credit card debt. Just a house (3.5%), one car (2.9%), and student loans. We are going to open the IRA in my husband's name with me as the beneficiary because he is two years older and can start drawing from it penalty-free earlier. Within 2 years, we will be able to contribute the max of around $450/month to meet the annual $5500 cap on that account. Meanwhile, we want to find new jobs and hopefully max out 401K contributions before Roth contributions but we will just have to cross that bridge when we get to it. We have pretty meager retirement goals, we plan to have a home paid off and live below our means as we currently do, hopefully travel a little and help our family when they need it.

So with that background, I need some guidance in choosing where to open the IRA and how to invest. Mutual funds, index funds, stocks, bonds, etc... it is all very overwhelming. So far I have been looking at Vanguard and investing in their index funds, or ScottTrade and investing in mutual funds. I am unclear about how much work this will be on our part -- in a perfect world the money would be automatically transferred from our checking account each month and be invested into the most promising place without any work from us. Of course we will check it periodically, but I don't want it to be a daily topic of discussion or something we have to actively worry about month to month. Since we are looking at 40+ years before retirement, we are comfortable taking more risk with our money now and riding out the market and changing our portfolio to a high percentage of bonds down the line as we near retirement.

Any advice you can provide would be very much appreciated. Thank you in advance!

Investing Deals
WalletUp: CreditCards.com & Wallaby CC recommendation tool
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 0 Posted By: BostonOne
Views: 50 Replies: 0 Wallaby (remember them?) and CreditCards.com just announced WalletUp, a credit card recommendation tool.

https://walletup.creditcards.com/app

You need to register to use it, then you are asked for your current credit cards, income, credit score range, and monthly spend in various categories. Optionally, they ask you to connect with the credit card accounts you already entered. I did not do that, but I assume it would be to automatically fill out the category spend piece.

Here are my quick thoughts after signing up & going through the process.

If you are already credit card, bonus & reward savvy (like much of FWFers), this isn't very useful for you. I put in the cards I had and my typical monthly spend and the results were recommendations that were not as good as the cards I already had. That said, it may be useful to folks who aren't already trying to optimize their rewards, but even then, not perfect. When I removed most of the cards from my profile, it didn't recommend obvious choices like the Sallie Mae card or Fidelity card. It did recommend the SPG card, which is perfectly respectable.
Discussion Deals
New driver with $5k car damage. Please help me decide what to do.
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 1 Posted By: vholic
Views: 202 Replies: 9 I'm a driver in my 30s, however I only got my driver license recently (Oct 2012). I live in MA with a full coverage insurance for $3,033/yr with $1,000 deductible.

Car info:
2009 Mazda 3 S Touring Hatchback 41,500 miles
Purchase used in Jan 2013, paid cash OTD $16K (incl tax & everything)
Blue Book value as of today: Trade in to dealer in fair condition $10K
Recent repairs: $1K for one new tire, one new axle/CV joint, all new rotors (Apr 2014)

I got into an accident in an underground parking lot last Sunday. I hit the cement support beam when backing up and had some damage to the left side of my car. All lights are still functioning after the accident. Pic attached.
I went to 2 reputable body shops. Body Shop A quoted me $5,500 (big shop, everything is guaranteed). Body Shop B (mom&pop) but also reputable quoted me $4,200 insurance or 10% disc if I don't do insurance.
The car needs a new quarter panel, bumper and rear lights-left side.

Please help me decide what to do:
1. Do nothing. Knowing that I'm a new driver, I don't think this will be my last accident. I will use this car as my "training wheel" for 3-4 years.
2. Claim my insurance. I will get 4 points in my record for 5 years. Insurance will incr to $3,917/yr. My out of pocket will be $1K ded + 2 weeks of rental car (found out that I don't have rental coverage).
3. Pay the repair out of pocket.
4. Go to a cheap/somewhat shady place looking for a repair that costs half as much (~$2K).
5. Sell my car as is (maybe ~$6K?) and get a crown vic.

I'm leaning toward option 1 right now. Need some opinions on pros & cons. Thanks in advance.

Pic: http://i.imgur.com/DhdxvdO.jpg

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 125 Replies: 1 Super easy set-up! Ready for water in as little as 10 minutes!
- Water capacity: 2,822 gallons (10,680 L) at 80% full
- No tools are needed to set up an Easy Set Pool
- Stronger construction - Easy Set Pools have SUPER-TOUGH 30 gauge sidewalls that are made with 3 separate layers of material for extra strength & durability: 2 outer layers of heavy-gauge PVC are laminated to an inner layer of polyester mesh for extra reinforcement!
- More durability - Made with SUPER-TOUGH Plastic, a high density molecular PVC plastic that is unaffected by gasoline, oil and salt water. SUPER-TOUGH Plastic is also highly resistant to damage from abrasion, impact and sunlight. This hybrid plastic allows more air pressure for rigidity thus the pool wall is very stable.
- No sand required - all an Easy Set above ground pool needs is level ground. Do not try this with a steel-sided above ground pool! You will need up to 2000 lbs of sand to secure the pool walls! Easy Set Pools do not need sand to support their walls!
- Easy Set above ground pools are great for adults and kids. PLEASE NOTE: Children should always be supervised by a competent adult when using or in proximity to any pool!
- Easy Set above ground pools drain conveniently! The drain plug accepts a garden hose to drain water away from the pool area as desired.
- Easy Set above ground pools are much easier to disassemble than any rigid steel-walled pool. Storing your Easy Set pool during the off-season is a breeze and will extend your above ground pool's life indefinitely.
- Easy Set above ground pools are affordably priced to keep you cool all Summer long!
- 15' x 36" Easy Set above ground pool set includes:
- (1) 15'x36" Above Ground Easy Set Pool
- (1) Set-up & maintenance DVD
- Item Weight: 46 LBS
- Product Dimensions: 15' diameter x 3' (36") height

www.newegg.com/Product/Product.aspx?Item=9SIA02D04X8506
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AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

Question Deals
Having trouble quitting job
Added on : Monday May 19th 2014 10:00:14 AM
g: -4 Posted By: simplefusion
Views: 197 Replies: 8 I guess I'm in a lucky position here. My net worth is in the high six figures, I have a self employment income of around 250k average, and my day job in accounting pays around 55K. Yet I've wanted to leave the job for the past year but still haven't done so. The job itself is boring, there aren't any rewards, and it doesn't have much meaning/purpose. So basically there is no good reason to go to the job. I would rather be traveling, learning new languages, dance, or decorating my place. Or finding a new career field. I just think its hard for me to quit the job, even though it seems like a no brainer. Thoughts?
Personal Finance Deals
Soliciting advice regarding housing situation
Added on : Monday May 19th 2014 10:00:14 AM
g: 1 Posted By: investingstuff1971
Views: 134 Replies: 2 Hi,

I am trying to help a good friend get her life together and one of the first things to figure out is what to do about her living situation. I will try to describe the situation as succinctly as possible. In 2005 her then mother-in-law borrowed the money to have a house built for her son and my friend. As near as I can deduce from the public records, the total amount of money borrowed was $91,000, split between a first mortgage and a HELOC (presumably to get around mortgage insurance). Later in 2005, she quit claimed the property to her son and my friend so, as I understand it, there are currently three names on the title, the mother-in-law, her son and my friend. In 2006 she took out a second mortgage against the property in the amount of $23,000. My friend is almost sure that only the mother-in-law's name is on any of the promisary notes. In 2009 or 2010, my friend and her husband divorced. I don't know that details of that proceeding beyond the fact that there were no lawyers involved and I would imagine that there weren't many assets to distribute.

In any case, my friend got custody of the three children and the house. She has for the last four years dutifully made the mortgage payment (which are $800/month) on her mother-in-law's note. I am trying to figure out what the payoff is for everything, but the house is almost definitely under water by at least 10 or $15k. There is a lot of tension (much of which is unrelated to the house) between my friend and her ex-husband's family and I think that it would be really healthy for her to simplify their relationship by leaving the property. My friend is open to the idea; the house has a lot of sad memories for her and she would almost certainly be able to find something nicer to rent for less money. (we live in a pretty economically depressed area) I really don't want to give her bad advice though which is why I'm soliting the fatwallet forums for their thoughts. Were she to leave the property I don't know exactly what here mother-in-law would do, but I would imagine that she would try to do a short sale. What if the house went in to foreclosure though? If that were to happen, how would that affect my friend who is one of three names on the title but not party to any of the notes against the property? I'm trying to encourage her to talk about the situation with her mother-in-law so that she can extricate herself from the situation in the manner that does the least harm to the both of them. Frankly here mother-in-law has treated my friend very, very badly, but she was nice enough to help them buy the house and neither of us want her to suffer a foreclosure if it can be helped.

Anyway, I know that this was all a bit rambling, but I'd love to hear any thoughts that anyone might have.
Personal Finance Deals
Pre-Paying Taxes As A Form Of Asset Creditor Protection
Added on : Sunday May 18th 2014 06:00:06 PM
g: 0 Posted By: robronson
Views: 125 Replies: 1 This is my first year being self employed as my full-time gig where I'm making a lot of money (by FWF standards I'm probably poor but by POTUS standards I'm wealthy). I'm very careful with my assets from a creditor protection standpoint for a variety of reasons, primarily because they overlap with my tax planning needs (401ks are both creditor protected and tax efficient).

This is my first year that I'm basically forced to keep large sums of money (10s of Thousands of Dollars) in reserve to pay my quarterly taxes. I know it's overblown but I feel queezy with $20k sitting in a checking account, easily seizable or freezable by anyone with a BS lawsuit consider I have never left more than $1k in there. (My "emergency savings" is not in my checking account and is not seizable).

Here's my tentative strategy for dealing with it. Segregate one of my checking accounts to ONLY be used to pay taxes from. I use it for no other reason. Like most FWFers, I have several from various opening promos or for reasons such as a CU that offers good CCs. I designate one checking account to be used for tax purposes only and I keep my $20k+ in there to pay taxes from.

In the event that I'm involved in a situation that could result in a lawsuit, I immediately pay the taxes from that checking account. The taxes may not be due. And the taxes may even be too much compared to how much I've earned so far in the year (but won't be too much for what my total liability at the end of the year will be). Once I use the money to pay the federal government, I highly doubt a judge would rule this as an fraudulent conveyance and reverse the money back from the federal government. In fact, I think the chances of that are zero. Even if a crazy judge ordered it, the IRS would still have to comply and send back my tax payment to my new creditor. Yeah, right.

The downsides here are if I am segregating an account just for taxes, then it can't be a high yield rewards account because those accounts need debit transactions would means I'm comingling this account for other purposes. And if I'm not getting any yield of return, I might as well pay the taxes as soon as the money comes in, if I'm worried about leaving it in my checking account. Then again, Alliant has a decent yield with no rewards account requirements.

I could probably get Alliant to open a second checking account for me just for this reason and the account can be used solely for tax payments so if it comes down to a judge accusing me of fraudulent conveyance, I can point to the history of the account and prove that I intended it to be used for taxes.

I'm sure I'm overthinking this and $20k sitting in a checking account unprotected isn't a big deal. Does this plan seem farfetched?
Tax Deals
Moto G 4G Pre-order... GSM unlocked 8Gig $219 + taxes
Added on : Sunday May 18th 2014 12:00:02 PM
g: 1 Posted By: svenkirk
Views: 90 Replies: 0 Specs are over here...

http://www.gsmarena.com/motorola_moto_g_4g-6355.php

Specs are pretty much the same as the Moto G, but added 4G (duh) and expandable memory, up to a 32G card.

Order direct from Motorola to get 2 year accidental damage coverage free and free shipping http://www.motorola.com/us/moto-g-pdp-1/Moto-G-Wizard/moto-g.htm...

Or go Amazon Prime for $219.99 + taxes.

Releases June 3rd

I am unsure on how cases will fit. Maybe the old Moto G case will fit the new 4G. I have emailed my favorite case company and should hear something back tomorrow.
Cell Phones Deals
foreign money transfers
Added on : Saturday May 17th 2014 11:00:07 PM
g: 0 Posted By: geraci
Views: 54 Replies: 0 Hello, I am looking at transferring money to and from Europe and would like to here other people's experiences. Note my interest it to minimize transaction costs, I dont care if it takes a week for the money to show up in the destination account (this almost excludes wires, which are very quick, but also ridded with fees at both ends and with intermediaries).From what I've seen:

1 - US banks always get you with very high transfer fees and bad exchange rates (many % over spot rates). Forget them.

2. - Banks in Europe can have accounts in USD, so one in principle can transfer USD directly. Exchange rates at European banksare much better than those of US banks, but I don't know how much better. The issue is finding then a low cost USD to USD transfer service.

3 -Services such as Paypal (charges 3% foreign exchange fee, $25 transfer fee - charges the same for USD to USD transfers) or Western Union (worse exchange fees 4.5% than Paypal, plus $25 transfer fee).

4 - Try one of the many online exchangeservices. For example, I looked into XE Trade. They claim small spreads, but do not give you any idea of what their spreads are until you sign up - Long process, two forms of ID, and possibly a credit check. They also do USD to USD transfers for ~$75 transaction fee (comparing with Paypals 3%, this is cheaper when transferring more than $1.7k, not including the cost to exchange the funds in Europe). Have also seen many other services, many based in the UK, such as xoom, transfermate, fftglobal, hifx....

Questions:
- does anyone have experience with XEtrade, Xoom, Transfermate or other such services?
- whatis your favorite provider of inexpensive foreign money transfersHave searched the site and only found a few very old posts.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 173 Replies: 0 shipping adds $5

Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote with headphone jack for private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
Free iOS and Android apps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

http://tech.woot.com/offers/roku-2-2013-streaming-media-player-3
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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Sleep with Joe Boxer Sweet Dreamer Bed Pillow
Joe Boxer Ultra Plush Bed Pillow takes your bedroom and turns it into a cool and comfortable place where you can sleep deeply because your head's resting on one of the best pillows avilable. Anyone who loves Joe Boxer quality underwear and sleepwear will want this pillow. The Joe Boxer name means this pillow is designed to be functional but fun. It has so much to offer so start with its standard size of 20' x 26' which means there's plenty of room to place your head. Sure, down pillows are soft and luxurious, but they also can trigger some serious allergies in some people. This soft and luxurious pillow is hypoallergenic so you won't wake up with a stuffy nose, itching eyes or a rash on your face.
Joe Boxer Sweet Dreamer Bed Pillow is made from amazingly soft 100% Polyester so you can wash it with ease. The package calls this pillow a bed for your head, in typical Joe Boxer fashion. Joe may joke around a lot, but this is one fantastic pillow and that's no joke.
Joe Boxer Ultra Plush Bed Pillow comes in a standard 20 by 26 inch size
Because this pillow is hypoallergenic, it's great for people who have allergies or sensitivity to down or feathers
The microfiber fabric is easy to keep clean by machine washing
This Sweet Dreamer bed pillow is made with the care and workmanship that you expect from Joe Boxer quality products.
Joe says you'll get 50 winks not 40 if you sleep on this luxurious bed pillow

www.kmart.com/joe-boxer-sweet-dreamer-ultra-plush-bed-pillow/p-0...
g: 0 Posted By: robronson
Views: 125 Replies: 0 I travel for a living and build up a lot of free frequent flier and other reward points. However, since I travel so much for work, I have zero desire to travel for fun, at least anytime soon. I thought about saving the points for use in a few years when I eventually stop traveling consulting work, but as experience of recent years dictates, I can guarantee a huge devaluation of the points over that time frame. Also, there's no reason I couldn't cash in my points now, and then about 6 months before I decide to "retire" from this line of traveling consulting work, start saving again since 6 months worth of points for a weekly traveler is enough reward points for 3 to 5 years of vacations.

That said, how can we cash out our points for non-travel rewards in the most efficient, least-riskiest way? Selling the points is out of the question due to the high risk. The risk of getting caught and being blacklisted from ever getting any additional points is not worth it. The best I've come up with is the following:

1) Cash them out for gift cards for places like Amazon and use them for personal purchases. Southwest offers redemption for Amazon GCs at 1 point per 1 cent. 50,000 points per $500. I can easily earn 50,000 points every 3 months of travel which is $2,000 per year in Amazon gift cards. That's enough for a new laptop and a new large flat panel television per year. Pretty sweet considering it's tax-free benefit of working.

2) Cash them in for gift cards/travel on the airline/hotel itself, and then remit those expenses to the client. Unethical? Maybe. Illegal? Not sure. I can see it borderline. The way this would work is cashing in 100k+ Marriott Points for Marriott Gift Cards and then paying for your hotel stay with the Gift Card, and then submitting your receipt to the client for reimbursement. With airliners, you may be able to book flight with your points on a refundable trip, cancel the flight, get a voucher for money, apply that voucher for a future light to your client, and submit an invoice for that flight.

Option 2 seems like it would be a higher payout since you usually get higher rewards if used directly with the place you earned them and you get Cash Back from the client. The downside is option 2 seems like it could be considered unethical or illegal. I'm not a lawyer. I do know the following is legal:

I book a flight for a client, pay on my personal credit card. Client cancels the trip to meet their needs. I paid for the trip out of pocket but don't get reimbursed because I didn't actually make a trip for the client. Assuming it's refundable airfare, I can use the voucher towards a future client trip, and get reimbursed for this at that future time. Perfectly legal, perfectly ethical, no problems. However, if I received the voucher by virtue of trading in my FF points, then I can see the argument that it's wrong to use the voucher for a future trip and get reimbursed. I say this because I know it's considered unethical to book a flight with FF points and try to expense that to the client. In my new method, while I am using points to pay for the trip, I'm first using the points to book a flight, cancel it, get a voucher, and apply the voucher to the new flight.

It's also legal for me to go to Lowes with my Chase Freedom card during Q2 with 5% Lowes CashBack, buy Marriott/Southwest Gift Cards, pay for my flight with those GCs, and expense them at full cost. No problems with that ethically or legally, especially since I can prove I paid for the GCs with cash out of pocket. Thus, maybe if I use my Marriott points to buy Marriott Gift Cards, I can do the same even though it's unethical to book a room with points and expense it.

I'd justify it this way: if you get frequent flier points they are not considered taxable income but they are considered property because your ex-wife could sue you for them as an asset (as per one of the opening scenes in the movie Wedding Crashers).

Justification stated, I feel more comfortable cashing out for Amazon Gift Cards because it feels less risky and more ethical. Not sure what to do with Marriott, Hilton, IPG points since they don't appear to be able to cash out for any GCs worth using.
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g: 0 Posted By: hellokitty27
Views: 148 Replies: 0 ThinkGeek has the Mucha Libre Cookie Cuttersfor $9.99. Shipping adds $6.04, or free shipping on orders $75+.

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Added on : Saturday May 17th 2014 09:00:08 AM
g: 1 Posted By: quilligan
Views: 56 Replies: 0 Free 1-Year Print Subscription to Popular Science Magazine

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Dell Venue 7 Tablet 16GB $119.00 at Amazon Free Shipping
Added on : Friday May 16th 2014 06:00:02 PM
g: 0 Posted By: BullishDad
Views: 94 Replies: 0 Dell Venue 7 Android Tablet $119

I purchased the Dell Venue 7 recently and this is the best price I've seen for a new one. Sold by Amazon, not a third party.

Just tonight, I received an update to Kit Kat 4.4.2, so the tablet is capable of handling the latest Android version.

Of course, there are many great deals on Android tablets, so determine what you're looking for and how much you want to spend and find something that you think you'll be happy with. The Dell Venue 7 is a good mid-range choice. I don't have time to give a complete review, but the overall performance and features of the Venue 7 are well worth $119. The front and rear cameras are terrible, so if that's important to you, look elsewhere. It has a microSD slot which was important to me along with 2 GB Ram and 16 GB Storage.
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g: 0 Posted By: ctgolfer
Views: 75 Replies: 0 shipping adds $5

Concentrated Root Cyclone Technology:

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Dyson cyclones are able to extract microscopic particles including common household allergens such as pollen and mold
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UCLA vs USC Decision
Added on : Thursday May 15th 2014 04:00:06 PM
g: 1 Posted By: mateoeyoo
Views: 102 Replies: 2 Hi everyone, I'm a 2nd year community college student and I'm transferring after this Spring semester. I'm interested in Business (accounting and finance), and I have been admitted to UCLA and USC. Hopefully some of you can give me some insight on which decision would be the better choice for me.

At UCLA, my major would be Business Economics (or Economics if I don't fulfill the GPA requirement). My net costs would be $13k a year, after financial aid. What appeals to me at UCLA are their attractions outside of campus (Westwood, Beverly Hills, Malibu), their worldwide name recognition, their esteemed dining food, and their generous financial aid. Nonetheless, not studying business takes me aback. The Business Economics major itself is not a conventional business major, it is majorily econ focused. Is it accurate to say that an accounting undergraduate is qualified for all the occupations an economics undergraduate is qualified for? Or, can I expect to have the same jobs?

At USC, my major would be Business Administration (Marshall School of Business). My net costs would be $26k a year, after financial aid. The prestige of USC's business program is always connected to their admirable networking opportunities, like the probable chance of sitting next to the son of a CEO of a fortune 500 company in class. Is this alone worth $26k a year--taking out student loans? Everyone advises that I go to USC because I'm a business major and the connections there are illustrious. However, there are some cons that alarm me. I'm uneasy knowing that safety is questionable outside the campus, there is a lack of reputation for a USC degree outside of California, and the overall cost to attend is twice as much as UCLA's. Does having a business administration degree from Marshall give me a significant advantage looking for jobs in California?

I know this choice should be made on what I want to do as a career, but I am unsure on what I want to do after my undergraduate studies. I know I want to start working after but doing what beats me. I like accounting because it allows me to dissect business decisions and advise. I like finance because I'm infatuated with numbers and investing. Moreover, I love interacting with people, but I am oblivious to the possible jobs that fit my nature. I have researched possible job opportunities with a degree in Business Administration and Economics, but because of my ignorance in their job responsibilities and their quality of employment, I just figured I would enjoy a consulting or advisory position compared to an analytical position that works in a cubical. What kind of occupations can I pursue with an economics or business degree that will match my personality and have reasonable pay and working hours?

Thank you in advance.

Edit: Is the networking at USC priceless?
I don't know how to feel about pursuing an MBA. What should I consider in my decision to go to graduate school?

Edit 2: I don't plan to stay at either university for more than two years.
New User Question Deals
Job/Career/Life decisions. Advice and guidance is welcome
Added on : Thursday May 15th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 93 Replies: 0 I'm 27 years old. I work in IT and I make $107k a year. Last fall I accepted a position in Switzerland, but so far I've been unable to obtain a work permit. Thread about thathere.I have at most 2 more months until I receive a final decision, but I'm not optimistic at all anymore. In the meantime, I had another job come up, a contract opportunity which pays a fair bit more than what I'm making now, but it wouldn't be very challenging. My dream job would be to work as a pre-sales engineer or as a solutions architect.

Now let's talk about my GF. We've been together for nearly 3 years now. I would like to keep her around for a lot longer, she's a keeper. She's defending her dissertation next month and after that she'll have to find a post-doctorate for 2-5 years. Afterwards, she plans on pursuing a career in academia. She is currently interviewing for a post-doc in Switzerland and has a very good chance of getting the position, as well as a work permit.

Here are our options as far as I can tell:

1. (preferred, but unlikely) My Swiss work permit comes through and my GF gets a post-doc in Switzerland
pros:

I make close to $150k/year with overtime/on-call pay, she makes about $105k/year
We share an apartment, reducing our expenses
We get to explore all of Europe

cons:

​high cost of living, however our salaries would be more than enough to live well in Switzerland

2. I take the contract job, she looks for a different post-doc in the US.
pros:

I make $80/hour on a W2 with benefits
I have a lot of control over my job, it's basically a one-man show

cons:

my gf would make $45k/year, she would have to live in a high cost area, and we wouldn't be living together
my job wouldn't be very challenging
I'm not growing profesionally
my gf wouldn't be able to find the best post-doc she can, she would be settling for something average

3. I look for a pre-sales engineer or solutions architect job, either here or overseas. I would have to wait until I have resolution on my Swiss visa before I can proceed with this path
pros:

I'm doing exactly what I want to be doing
Ideally, my gf and I would be living together
I make a bit more money than I currently do
This job typically requires at least 50% travel (my gf would be OK with this)

cons:

There simply aren't that many of these jobs around
I have the required technical knowledge and experience for the job, however, I don't have much experience with responding to RFIs/RFPs and have limited experience with giving demos or public speaking
I may not have the right personality for the job. I'm an introvert, and at times can be socially awkward around strangers. I definitely do not have the salesman personality
If the job is in the US, my gf would only be making $45k/year.

4. I can take the $80/hour offer to my current boss and I can ask him to see what he can do with it. I'm pretty much at the maximum pay for my job grade, so I would pretty much need to be promoted in order to get more money (which we've talked about recently, he said it could happen within the next year). I am currently working remotely and very rarely have to travel. I can probably probably get my boss to agree to let me work from Switzerland

pros:

I can probably get another $5-10k more
my job is actually challenging, and I get to do things I enjoy
If my GF gets the Switzerland job, I can stay with her for extended periods of time (I can stay in Switzerland 90 days at a time as a tourist. I can probably fly to neighboring countries, and take a train into Switzerland so my passport doesn't get stamped, so it doesn't look suspicous)
my gf would make $105k

cons:

it would be really shitty of me if my boss goes out of his way to keep me with the company, but a few weeks later I get my Swiss work permit, and I end up quitting
my coworkers are f#cking morons
I would be pretty much living in Switzerland illegally. I don't know what would happen if I got sick or injured. I don't know if my US-based health insurance would cover me.
my boss may not go for it
going back and forth between the US and Switzerland will get old after a while, and would be expensive too
high cost of living, although I think we would make enough to live comfortably

Any thoughts or advice?
Question Deals
Risk in Accepting Current Company's Counter?
Added on : Thursday May 15th 2014 01:00:05 PM
g: 0 Posted By: Kevo171
Views: 104 Replies: 2 I currently make $80k including salary and ~25% yearly bonus. I've been recruited into a role in a different industry with an offer of $95k +10-15% yearly bonus. Total yearly cash would be in the $105-$107k range.

My current company is a mobile company with a startup vibe- lots of people in their 20s and 30s (I'm 28). Catered food. Beer fridge, etc. If I need to stay late dinner gets paid for by the company. When I travel, I stay at really nice hotels. The other company is a bit more traditional (web, but not mobile) and slightly farther away (10 more minutes each way). Benefits are good in both places. The new role offers a small equity position that I don't currently have. New company also prides themselves in work-life balance and apparently it is rare to stay past 5pm.

My current company hasn't been performing as well recently (I worry that bonuses will dwindle in the future), so I expected that they wouldn't counter. However, afterI brought up the offer to my current company they are working on a retention package.

FWF, do you think that there is too much risk in staying at my current role even if they match my offer given that my company might think I have one foot out the door?

Edit to add- I really enjoy my current coworkers and I have a great relationship with my boss. I regularly hang out with coworkers outside the office. High level strategy has caused some issues recently and we aren't as profitable as we once were, so I worry about the long term stability of my current company.
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Added on : Thursday May 15th 2014 01:00:03 PM
g: 1 Posted By: joe606
Views: 301 Replies: 2 http://www.nomorerack.com/daily_deals/view/971934-12_pack__100__...

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g: 0 Posted By: ctgolfer
Views: 131 Replies: 0 Detailed item info
Product Information
Gift yourself the Bulova 96R000, which makes a perfect accessory for your slender and beautiful wrist. . This Marine Star Diamond wrist watch comes in a stainless steel case which graces your wrist elegantly. The Bulova 96R000 comes with 6 genuine diamonds which gives you the rich and classy appeal. With handsome durability and scratch-resistant case, this Bulova wrist watch for women indeed tops the wish-list. The Bulova 96R000 makes your life much easier with its chronographic feature. With 30 meters water resistant power, this Marine Star Diamond wrist watch is a must have. This super luxurious Bulova wrist watch for women graces your collection and lets you flaunt your diamonds too. Now isn't that great!

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g: 0 Posted By: ctgolfer
Views: 179 Replies: 0 shipping adds $5

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Sears May 15-21 15 off 100 sporting goods ''shop your way'' code
Added on : Thursday May 15th 2014 02:00:02 AM
g: 0 Posted By: fosterchild
Views: 55 Replies: 0 Not sure if this is so much ''hot'' as lukewarm but if you join (it's free) the Sears ''Shop Your Way'' membership you get access to exclusive codes, apparently. I just used this code to get 15 off 100+ purchase of a bicycle rack:9700030958657649.
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g: 0 Posted By: ArtieLange
Views: 105 Replies: 0 Bush Cobra Corner TV and Video Base for TVs up to 36" $89.00 free pickup WalMart

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This stylish and functional Bush Cobra Corner TV and Video Base for 36 Inch TV Stand is crafted of sturdy metal and tested for stability. It accommodates most 36-inch TVs with plenty of shelf space below for video players and other storage. The back panel features wire grommets that conceal unsightly cables, maintaining a sleek look that fits in anywhere. Easily and neatly store your media components, DVDs, games, remotes, gaming accessories and more to make your TV room a lot more organized, and watching and gaming much more fun.
Bush - Cobra Corner TV and Video Base:

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Back panels with wire grommets conceals cables
Bush Corner TV Stand model# VS44936-03

Televisions sold separately.

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BBE 427 Distortion Guitar Effects Pedal $39.99 FS Musicians friend
Added on : Wednesday May 14th 2014 09:00:05 AM
g: 0 Posted By: tedhawkins
Views: 97 Replies: 0 BBE 427 Distortion Guitar Effects Pedal $39.99 FS Musicians Friend

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Product Description

The 427 is the modern muscle car of distortion pedals, with a big, meaty tone thats ready to kick ass. Another Paul Gagon creation, 427 builds on his experience crafting pedals for the gods of rock, but this ones got a distinctly American voice.

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g: 3 Posted By: st4rdust
Views: 146 Replies: 0 Amazon has a10-pk. of Five Sugar Free Gum(Watermelon) for$4.91with free shipping when you checkout via Subscribe & Save. 15 pieces per pack.

4.4/5 stars based on 84 customer reviews. Not sure why this deal has cropped up so much recently, but this is the lowest price I have seen.
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Vanguard Mutual Retirement Fund
Added on : Tuesday May 13th 2014 10:00:03 PM
g: 0 Posted By: furlongce
Views: 55 Replies: 0 I am 22 years old, and have a well-paying job and no debt. After doing some research, I have decided to open a ROTH IRA account through Vanguard. I will have roughly 4,000 to invest initially, so I am not hindered by the 3,000 minimum on some of their mutual funds.

It seems like there is a fair amount of controversy regarding their Target Retirement Mutual Funds, so I am wary of putting money into that though I am still considering it as an option.

Although I would prefer to put my money into an account that did not require much attention, I would like to put myself in the best position possible even if that requires more effort to understand the market. I am saving for my first home, and I plan to use as much of the earnings as possible towards that goal.

Any advice would be greatly appreciated

Thanks in advance!


Question Deals
How to find good real estate attorney quick / semi FSBO
Added on : Tuesday May 13th 2014 05:00:09 PM
g: 0 Posted By: GermanExpat
Views: 75 Replies: 1 I have a question around selling our house. We are getting our house ready to sell and had picked a Realtor that we were ready to sign a contract with some time later in the week or next week. There were still some small things to be done to get the house ready (some tiles to be replaced, get the clutter out etc.).

By chance we found a letter in our mailbox from somebody asking if they can look at the house. They did hear from a friend living in our extended neighborhood that probably knew from our neighbors that we are getting ready to sell.

We called the number on the letter and talked to the family and they did tour the house today for an extended time (with me partially present at the beginning). I just got a call that they are interested in the house and would like to know our price. They do know we don't have a realtor yet and are willing to deal without a realtor and just use real estate attorneys. Ok now making a long story short I have to get back to them with our price and will give them a discount on our price based on not involving a realtor.

But now we are a bit unprepared to go through with a (semi) FSBO but for sure a realtor is not worth the 50k+ commission on our house just for holding our hands. I am trying to get a crash course now how to sell myself. So here are my questions and please add anything I might have missed:

- get a real estate attorney asap, how do I go finding a good one?
- ask the seller to send an offer in with earnest money attached to it (I assume our real estate attorney could hold it in a trust account?)
- find a title company for the closing (I assume this has some time or should I just ask the real estate attorney after finding one). It is Colorado and from what I understand in most cases the seller picks the title company albeit the buyer can select one as well.

I assume my biggest issue is finding a real estate attorney right away and have them check out the offer. The potential buyer stated he has a relative (uncle) in his current state he can use to draft the offer. So how do I go to find a good real estate attorney within a day?

Anything else I should consider?

Also on a side note the realtor did have a 1 week limited agreement. We already had a letter in the mailbox 2 weeks ago and asked him to follow up and signed a limited agreement with him for a couple days to show the house to this potential buyer and 2 of his agent friends had candidates that wanted to see the house as well. One buyer made a lowish offer and we did not accept it and our verbal counter was too high for them. The realtor was kind of pushy to talk us down price wise (ok, no surprise here). They then decided to wait for us to put the house on the market probably hoping it gets closer to their Target price. I don't feel we owe our realtor anything because he didn't have to do any work yet (no MLS listing, no adds etc.) and the limited agreement expired anyway. We are not in a hot area of the country, sales are doing reasonable well and not a huge inventory of houses comparable to ours (and they seem to sell much quicker then last year in our price range). But we were still a bit puzzled to have people show up before we even are ready to sell it. The realtor also kind of tried to low ball our house based on he didn't like our style (our house is quite contemporary and he has a more traditional style preference) and probably also to make it sell quicker (he did use some debatable comps and focused on per square foot price but we have e.g. a lot premium because of the lot location).
g: 1 Posted By: remick
Views: 194 Replies: 1 http://www.amazon.com/dp/B00GIAWDQK

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You'll discover much more in this rare and candid guide to expert bike repair.
How to winterize your bicycle with these 3 simple techniques...
3 little known, yet simple ways to avoid damaging the braking mechanism...
Secret of expert bike mechanics that few people ever know about...
3 proven steps to better lubrication...
2 simple keys (that are right in front of your eyes) to rust-free hinges and joints...
WARNING: 3 things you should never do when it comes to using antirust agents like WD40...
You'll discover in just a few short minutes how to properly remove a wheel...
6 time tested and proven strategies for lubricating all of the parts of a bike...
When to apply antirust and when to apply machine oil to your bike parts...
7 everyday but often overlooked tips and tricks for preserving your shock system...
A pennies on the dollar approach to preserving the metal frame of a bike...
How often to apply lubrication...
How to properly remove nuts and bolts from tight corners of a bike...
The once famous but forgotten secret that instantly allows you to repair a deformed rim even when you are on the road...
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g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/dp/B00K53ETHC

***Beginners Guide to Seed Starting!
Are you the new small farmer looking forward to starting your own seeding garden? If yes, then you really need to learn the skills to starting plants from seed. Whether you are seed-starting shelf in your backyard or little farmhouse or seeding in a high-tunnel, the basic steps will remain the same that we will thoroughly cover in this book.

Starting seeds indoors or outdoors will give you better control over the wide varieties you wish to grow yourself. This guide has all the information to help you get started in Gardening in no time.

This shot ebook will cover:
Quickly Getting Started
What To Grow?
Garden Design
Seeds vs. Plants?
Sow Schedules (Examples)
And Much More!

If you are eager to learn all about seed starting, follow this step by step guide and become a pro gardener in no time!


Companion Planting: The Ultimate Guide to Everything You Need to Know for Successful Companion Gardening
http://www.amazon.com/Companion-Planting-Everything-Successful-G...

Seed Saving for the Organic Gardener
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Growing Berries: How To Grow & Preserve Strawberries, Raspberries, Blackberries, Blueberries, Gooseberries, Redcurrants,Blackcurrants & Whitecurrants
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NBA 2K14 - PlayStation 3 or Xbox 360 $34.99 w/FS @ Best Buy
Added on : Monday May 12th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 Crews The single-most requested game mode is back, so face off against opposing crews online using your MyPLAYER, create your logo and face off in 5v5 battles with other crews featuring leaderboards and stats
Dynamic Living Rosters powered by Stats, Inc. Player attributes and tendencies automatically update daily to reflect true life hot and cold streaks, so now, each game played in the NBA can have an effect on your game
King James Soundtrack Featuring artists and tracks hand-picked by LeBron James, including JAY Z, Eminem, The Black Keys, Daft Punk and many more
MyTEAM Back and better than ever, with new player modes, multi and single player tournaments and much more
Pro Stick Throw down show-stopping moves, pull off intricate shots and toss flashy no-look passes with deadly accuracy with Pro Stick control easily the most intuitive basketball controls ever implemented
Signature Skills Six new Signature Skills, ensuring each NBA player's unique abilities are represented in the most authentic way possible
More Signature Styles New jump shots, dunk and layup packages, dribble moves, free throws, pre-game intros, getbacks, celebrations and more
Depth of Content With significant upgrades in nearly every aspect of the game, both on and off the court, NBA 2K14 boasts more animation content than any previous basketball title and includes more than 3000 new animations

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Free Kindle Book- Italy for First Timers
Added on : Sunday May 11th 2014 04:00:16 AM
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B00I9P0VO8

This book overflows with hands-on, proven techniques for getting the most out of this tripand future trips too! Selecting what to see and do, picking where to stay, where to eat and what to pack, the best guide for making your dream vacation a reality.
Group package tour or devise your own plan? Pros and Cons to help you decide.
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Hundreds of good travel ideas, from packing smart to the latest gear on the market to help travelerswearable luggage, neck collars, super-light duffels to name a few.
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Understanding Italian restaurants: why Americans think they give lousy service, and when you find out why, youll wish we had the same high caliber staff in the US!
The down and dirty scoop on the VAT tax, tourist cards, hotels, trains, subways, sleeping on the plane, and how to use a bidet. An indispensable guide to travel in the 10s.
Time: Your most precious resource. Bring along one small thing weighing about 2 oz.something you probably already ownto safeguard that resource.
This book is your guide to a great time!


also free

Colosseum in Rome - a travel guide and tour as with the best local guide (Rome Travel Stories)
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Italy Luxury: Family Hotels & Resorts
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WD 8TB NAS $349.99 @ BHP
Added on : Saturday May 10th 2014 10:00:04 AM
g: 1 Posted By: diskmon
Views: 162 Replies: 0 Although this is a last generation NAS device with a slower CPU and USB 2.0, it is an 8TB drive for only $349. If you are looking for two 4 TB drives this isn't too much of a premium for the casing and NAS.

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g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009POU070

Do you want to increase your skills and build your knowledge of Stand Up Paddle Boarding?

With Jon Michaels second book in the Stand Up Paddle Guide series you can do just that. Book 2: Advanced SUP Techniques, takes you through different facets of the Stand Up Paddle world from Surfing, to River and Whitewater paddling, to SUP Racing, and more, that will help you take your Stand Up Paddling to the next Level.

Many people get into Stand Up Paddle Boarding for fitness and then discover theres so much more they can do. This guide builds on what you learnt in Book 1: The Basics, and gives you all the information required to advance your skills in a particular area of interest or all of them!

If you bought Book 1, then you will already know this series is a must for a SUP Boarder looking to increase their understanding of the sport. So what are you waiting for

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g: 0 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/gp/product/B00FL2CPVY

Men are understanding that prostate prevention is the best way of not becoming one of those statistics. Why? Because prevention works once you understand prostate cancer causes and eliminate those factors from your daily diet.
Unfortunately, too much conflicting health information and too many diet recommendations may not serve you well in the end. Stop red meat and dairy? Eat soy instead or not? Margarine better than butter? Low fat diet best? How in the world to make sense of such eminent claims and "scientific" studies?
Ronald M. Bazar, author of the groundbreaking book Healthy Prostate: The Extensive Guide to Prevent and Heal Prostate Problems Including Prostate Cancer, BPH Enlarged Prostate and Prostatitis, wrote this new book to cut through the diet maze and steer you in the right direction. His thesis is that no one diet is perfect for everyone because we are all so unique.
He addresses the causes of prostate disease and prostate cancer in particular so you can easily understand what to avoid and what to do instead. He shows you how to achieve real prostate health without all the exaggerated claims by the supplement pushers.
Your prostate gland is remarkable! Among its many functions, it filters out toxins from your ejaculate. That means the worse you eat, the more toxins that will affect your prostate and the earlier your prostate can show signs of poor health, including prostate cancer. If you change your habits and remove the causes as soon as possible, your prostateand your sex lifewill have a better chance.
The Prostate Cancer Prevention Diet clearly lays out the path for men who want to prevent prostate conditions and/or who want to take watchful waiting up a few notches. He examines all the pros and cons of different diets with insights to help you determine which foods are best for you in order to have a healthy prostate.
But why wait until your prostate function is compromised to learn what foods you shouldnt eat? Prostate prevention is your best protection from prostate cancer.
Ronald M. Bazar, a Harvard MBA, walked away from emergency prostate surgery twice to use natural methods to heal his prostate instead. A decade of research and tens of thousands of dollars of self-experimentation are what have made him an expert in men's natural health in general and prostate health in particular.
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Out of Network charges
Added on : Friday May 09th 2014 04:00:09 PM
g: 0 Posted By: Dilbertic
Views: 44 Replies: 0 Late Nov 2013 I broke some toes and my doctor refereed me to this foot doctors office, but the foot doctors office told my doctor that the doctor they wanted me to use didn't handle broken toes, and suggested I use another doctor within that office. So they made an Appt with him and I went also knowing he was covered under my Ins plan.

I knew the minute I walked in this office I should have walked right out, it was a fast food shop, long lines and quick turn around, but I waited over an hour, half of which was paperwork and then when I asked how much longer they put me in a room and the Doctors Asst came in and talk to me, he was great, but all really did was take notes and look at my foot and xrays I had from my doctors office and then leave the room, and brief the primary doctor, who came in for about 10 minutes total telling me this is what you need to do and try to up sell me on a knee cart he helped design, and a bone stimulator for my foot and of course a boot.

I said no to the knee cart that wasn't going to happen for broken toes, and I have to think about the bone stimulator and yes to the boot, so he calls in this guy who say " I am a in house service " for the doctor and makes a molding of my foot for a boot and tells me it will be ready in a few weeks. 1 week later I get a call to come get a temp boot made out of plastic and a quick fitting for it. This boot was one of those you could order online and runs about 80 to 100 bucks and told the molded cast boot will be in the next few weeks, so 2 weeks later I get a call to come try on the other boot.

My foot is still swelled up and its a really tight fight, but wait this is not a soft cast boot, it's a custom black leather open toe'd boot with laces and boot straps and it hurts to put it on, and I am told I am going to have to find a shoe person to custom enlarge my shoe so the boot will fit inside of it.. WTH

A week later I check online with my Ins company, I am billed 300.00 for the plastic boot and 1500.00 for the black boot and it says it's only cover at 50% because this in house service provider is out of network which I was never told, so I call them up and they said yup we are not covered my that Ins company and I asked why wasn't I told this and they had no answer. I called my Ins company and they said they would look into it and said nope we will only cover 50%. The worse part is my foot doctor has some sales lady call me and said your Ins company already approved the bone stimulator for the toon of 3700.00 paid out and billed my Ins company for almost 6k, which sells for about 800.00 to 1k online.

I went back to the doctor and explained all this and said the boot hurts to wear and my foot swells up even more when I wear it which was only 1 time and he said not to wear it, but I can't return it, because it's custom. So now the in house service place is hounding me to pay my portion which I was tricked into using them by my in network house. I am pretty sure kick backs are going on here and wonder if that's even legal?

So what can I do about this bait and switch

Thanks for input
Question Deals
Guacamelee! (PS3 Digital Code) $4.99 @ Amazon
Added on : Friday May 09th 2014 10:00:03 AM
g: 2 Posted By: DizzyT71
Views: 230 Replies: 0 Amazon has theGuacamelee! (PS3 Digital Code)on sale for $4.99.

A modern Metroid-vania style action-platformer-brawler set in a magical Mexican inspired world.
Beautiful graphics. Lavishly detailed backgrounds, smoothly animated characters, and muchos parallax scrolling.
Non-Stop Fighting Action. An extensive move list, advanced combo engine, and large variety of enemies
Multi-dimensional Platforming. Instantly swap between the Worlds of Living and Dead to outwit impossible terrain, and reach new locations. Fighting moves used for both combat and traversal, resulting in creative new gameplay.
Download size for your PlayStation device: 527 MB

Review: Metacritic Score: 84 User Score: 7.9
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Taco Bueno - Muchaco 25 cents - May 9 Today only
Added on : Friday May 09th 2014 09:00:06 AM
g: 1 Posted By: Foreverman
Views: 281 Replies: 0 We've declared today National Muchaco Day! Get a Beef Muchaco for 25 cents! Today only

Just say Muchaco 25 to the cashier. The Muchaco is normally 2.39 each. One per person.

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Groupon: Ideeli Vouchers $40.00 for $20.00 or $100.00 for $50.00
Added on : Friday May 09th 2014 09:00:05 AM
g: 0 Posted By: SieSilverStars
Views: 182 Replies: 0 Groupon is offering an Ideeli vouchers for 50% off.

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Choose between a $40.00 voucher , for only $20.00 or a $100.00 voucher for $50.00.

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