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g: 0 Posted By: DaysFan
Views: 106 Replies: 0 http://orchard.blair.com/p/clearance/health-beauty/mobility/folding-knee-cruiser/pc/2609/c/2650/sc/2654/53792.utslinkedThis took some detective work, found for a friend on crutches.
A lady used one of these and put a basket on front to hold her packages, paperwork, etc.
This gives you so much more mobility.
item# Item # 94064


Folding Knee Cruiserby Gold ViolinWas $450.00
Now $229.97Here's help getting around easily without using a walker or crutches. Just what's needed after a foot or ankle surgery, an injuryor even chronic conditions like diabetes. Con... Read More >>
Here's help getting around easily without using a walker or crutches. Just what's needed after a foot or ankle surgery, an injuryor even chronic conditions like diabetes. Contoured, padded knee cushion for comfort. Hand brakes for stability and easy maneuvering. Supports 300 lbs. Assembly. Knee pad height adjusts 17"22-1/2"; Handle height adjusts 31"37"; Overall measurements 18"x18"x32-1/2".
Health Deals
g: 0 Posted By: sarahturtle
Views: 0 Replies: 0 http://amzn.com/B00OI0AU4O

5/5 stars, save $5.89

Hearty Fall Soups and Stews
Delicious Fall Salads
Appetizers, Sides and Baked Goods
Entrees, Entrees, Entrees
Decadent Desserts and Sinful Drinks and Cocktails
PLUS 8 Complete Thanksgiving Dinner Meal Plans
...And much, much more!
g: 0 Posted By: Y3ll0wSlack3r
Views: 106 Replies: 0 Advanced Coupon Strategies: Money saving secrets from a coupon shopping expert

Get it while it is still FREEBook DescriptionPublication Date: September 7, 2013Everything is so expensive these days! Even when you just need a few things at the grocery store, it ends up being hundreds of dollars!

What if a short eBook could save you money every single time you visit the grocery store, for the rest of your life?

You've probably been stuck behind someone in line who holds everyone up because they have handfuls of coupons. It's frustrating to wait in line, but what's more upsetting is that they are literally saving 50, 70 even 90% on their bill. They're winning.

How to do they do it?

Well, there's an elite group of shoppers who call themselves Couponers. These people know the tricks of the trade, and can get unbelievable savings with the coupons that most people throw out.

How can I get in on that?

The first book from Deep Cove Publishing, How to Coupon Shop Like a Pro, is made just for you. You're tired of spending way too much money for necessities, and you just need some breathing room in your budget. So we got one of the best couponers around and asked for his secrets - and he told us!

Are you ready to learn how to save hundreds of dollars every month and live a richer life by learning how to coupon?

For less than the price of a fancy coffee or two (admit it, you have a few every day) you can get this book that will pay or itself the very first time you go shopping, and every other time after that.

That sounds like a pretty good deal, right? Pay a few bucks now, and save tons of money for the rest of your LIFE? Where do I sign?

Here's what you're going to learn in this book:
Is Coupon Shopping Worth the Effort?
Coupon Rules and Etiquette
Various Kinds of Coupons
Advanced Coupon Finding Strategies
Coupon Organization Tips
How to Plan Your Shopping Trip
Pro Tips and Advice
The Best Links to All Things Coupon

If you're not frustrated by your growing grocery bills, this book isn't for you. Seriously - if you don't need hundreds or thousands of extra dollars per year, do not buy this book.

If, however, you think you could find something to spend a few hundred extra dollars on, you need this book. Do not go to the grocery store again before reading this book - you'll be wasting A LOT more money than the price of this book.

Happy couponing!
LG 55 inch 1080p TV 539 Frys
Added on : Friday October 24th 2014 07:00:54 AM
g: 0 Posted By: harrisonh
Views: 186 Replies: 0 Not advertised, but on sale in store at Fry's Electronics
I went in to pick up the great deal on the Samsung55inch for 599. While I got there, they had the 55 inch LG LB6000 series (I think it's the top of their "dumb" tv line") for only 539.
Because I've had great success with other LG products, I decided to save the 10% off the Samsung price.

Pros: nice 55 inch panel with full array and 120 motion, but the electronics are oversampled to 240hz. Motion was very smooth. Vibrant colors,very very good performance on test pattern bluray. Very good blacks, especially forbeing so inexpensive.
Cons: not a "smart TV, but who cares? All of us have multiple devices thathave "smart features". Only 2 HDMI in and no HDMI out, but that is pretty standard for under 1000TV's. It has a dark metal bezel instead of black, which I would have preferred. Under movie room lightingconditions it is completely invisible, but under conditions like watching the news it is visible, but not distracting.It is very small about 3/8 inch, so not too intrusive. No 3d, but I don't really like 3d anyways, and wasn't looking for one. No auto adjust brightness, but again that's pretty much standard under about 800 and I can do it myself, or forget about it.

Stock level is pretty good at my location.
LED TV Deals
KidKraft Super Highway Train Set 17809 $69.99 + SH @ Woot
Added on : Thursday October 23rd 2014 08:00:10 PM
g: 0 Posted By: ctgolfer
Views: 154 Replies: 0 shipping adds $5


Our Super Highway Train Set puts a whole busy city at your childs fingertips
Its so much fun pushing the vehicles up and down the track and discovering all the fun details this detailed set has to offer
Now put on that conductor hat, because its time to go
Over 80 total pieces
Long, winding track is easy to assemble
Moving crane lifts and lowers cargo
Deluxe airport, complete with a helicopter, airplane, terminal and air traffic control tower
Made of composite wood materials and molded plastic
Large enough that multiple children can play at once
Packaged with detailed, step-by-step assembly instructions
Compatible with all KidKraft, Brio and Thomas & Friends Wooden Railway vehicles and play sets


http://kids.woot.com/offers/kidkraft-super-highway-train-set-onl...
Toys Deals

woot! Coupons
g: 2 Posted By: Y3ll0wSlack3r
Views: 129 Replies: 0 Evernote. Wow! I Didn't Know It Could Do That.: How-To Tips with Pics

Get it when it is still FREEBook DescriptionPublication Date: August 11, 2014Evernote. Wow! I Didnt Know It Could Do That. How-To Tips with PicsUpdated October 2014

Have you downloaded Evernote and wondered what to do with it?
Are you looking for tips on using Evernote but need to see screenshots?
Want to maximise your productivity and get results?Table of Contents

Chapter 1. Capture
Web Clipper
To Do List/Day Planner/Task Manager/GTD
Capture Screenshots
Evernote Email
How to Save Gmail Email Using Chrome Evernote Web Clipper
Business Cards
iCloud Contacts
Google Contacts
How to Import Files Using the Send to Menu

Chapter 2. Notebooks, Tags and Notes
How to Structure Your Notebooks and Tags
Encrypting Text
Edit PDF
Note Links
How to Create a Table of Contents for Your Notes
Shortcuts to Folders and Files
How to Merge Notes
How to Undo a Note Merge
How to Convert a List to a Checklist
How to Display Shortcuts in Horizontal Toolbar

Chapter 3. Search
Search
Saved Searches
Finding Shared Notes
Finding Checklists

Chapter 4. Share
Sharing Notes
Sharing Notebooks

Chapter 5. Add-Ons
Evernote Add-Ons
Food, Recipes and Restaurants - Evernote Food

Chapter 6. Extra
Signing Documents
Blogging with Postach.io
Saving Tweets
Facebook Posts
Wordpress
Keyboard Shortcuts

You will learn:

How to organise your notebooks and tags for maximum efficiency
How to use special keywords for email
Create super fast shortcuts to special notes
Finding shared notes quick and easily
Supercharging your search by using advanced syntax
Connecting third-party apps
Saving Tweets and Facebook posts
And much, much more...

Totally Free Deals
g: 0 Posted By: Y3ll0wSlack3r
Views: 54 Replies: 0 Happiness: How to Stop Feeling Depressed, Hopeless, Lonely, Sad and Be Happy


Get it when it is still FREEBook DescriptionPublication Date: January 15, 2014Life Changing Wisdom on How To Be Happy
Are you ready to discover the secrets to happiness that work? The wisdom found in this book has the power to change your life from being on the edges of depression to smiling again. These are proven methods that work for overcoming sadness and obtaining gladness.

Amber Rain, the author, writes in such a way that you wont have to waste a lot of your time searching for the excellent content. NO! She writes in a numerical style that will allow you to start applying these principles to your life immediately.A Few Ideas from The Book On Happiness
1. A wise friend of mine says this to me all of the time: Have a nice day, unless youve made other plans. Please take a moment to think about that statement and let it soak into your thoughts and attitudes in the present moment. Are you planning on having a nice day today? Are you focused on all of the bad things in life? You really do have the power to change your life through making decisions about how you want your life to be.

2. Have you ever heard that what you focus on grows? If you focus all of your attention on all of the negative things in life, you will eventually begin to feel hopeless and overly discouraged. What are you focusing on in your life, good things or bad things?

3. Youve heard it said: Happiness is an inside job. The word job indicates that it takes effort to reach the place of being happy. I share with you the wisdom that has the power to set you on a pathway to having a happier life; all you have to do is apply wisdom. Can you make the decision right now, to really work on being happier?

When you are finished reading these 51 ways to be happier you will:

Have social skills that will help you interact with anyone at any time, even a stranger
Have the wisdom you need in order to get along with others
Understand the importance of having goals and be inspired to accomplish a few
Have gained insight into why you are feeling so sad and how you can counteract those feelings through changing your thinking and behavior patterns
Be inspired to make subtle changes in your life until they become routines that lead to happiness
Learned the most important key to being a happy person
Gained communication skills that will attribute to your happiness
And much, much more

Plus more ideas here how to be happy from the book:
18. Learn to delegate whenever possible, whether at work or at home. Frequently, you don't have to do everything yourself. Enlisting the support of family, friends and coworkers can build stronger relationships and decrease your sense of isolation. When you feel as though you are not alone, you will feel better about living.

19. Expectations lead to resentments. If you are expecting someone to act in a particular way, you are just setting yourself up to be irritated. Learn to live by this guideline: Live and let live. When you let go of trying to control outcomes, you will be a lot happier. Focus on the things you can change and let go of the things that you cannot.

The wisdom contained in this book will help relieve:
-Anxiety
-Depression
-Hopelessness
-Despair
-Uncertainty
-Fear of the future
-Regrets from the past

There are so many things that affect your happiness:
-Issues of rejection
-Abandonment issues
-Peoples attitudes
-Job situations
-Family life
-Daily routines

Inside of the happiness book, youll find all of the life-skills you need for living a much happier life.

Get the book now while its reasonably priced. Youll be glad you did.

Tags: How To Be Happy, Happiness, How To Be Happy Alone, How To Be Happy No Matter What, How To Be Happy All The Time, How To Be Happy Single, Depression, Sad, Lonely, Depressed, Happy People, Happy Thoughts, Happiness is a choice,How To Be Happy With Yourself, Being Happy
Fremo P52 5200mAh Power Bank External Battery Charger $12.99 A/C @ Amazon
Added on : Thursday October 23rd 2014 09:00:05 AM
g: 0 Posted By: ctgolfer
Views: 200 Replies: 1 use promo code: MEILOPZM

Ships from and sold by SCUD USA.

Compatible with most smartphones,tablets and USB-charged devices
Aluminum casing with A Grade battery cell and premium microchip
Four LED lights reveal how much power you have left
Provide full-speed charges up to 5.1V/2A to all USB enabled devices,input is up to 5V/2A to halve the recharging time
Built-in-short-circuit,over-charge,and temperature protection

www.amazon.com/dp/B00MHI7EAM/
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: DanoMcGarret
Views: 164 Replies: 0 e Staplesad for the week of 10/26 is up - Not much to get excited about but the 15% coupon can be uaed on
the 3 paper deals.

front page related
Staples Multipurpose Paper, 8 1/2" x 11", Ream $4.99 after SER
Staples Multipurpose paper measuring 8 1/2"x 11" has 96 US / 109 Euro brightness for good contrast.Item: 513099
Model: 513099-WH
Staples Multipurpose paper is ideal for laser or inkjet printer and offers good contrast. 20 lbs Acid free, bright white paper measuring 8 1/2"x 11" complies with FSC certification, sold as 500 sheets per ream.

20 lb.
96 US / 109 Euro Bright
Bright white paper provides better contrast
Works great in your laser or inkjet printer
Acid free - will not yellow or crumble over time
Staples Brand 100% Satisfaction Guaranteed
FSC certified

In store only. Limit 4 rebates per household.
---
The 1/2 case is back - but not a gteat price Save $14. Staples 8.5" x 11" copy paper, 5-ream case $12.99 after easy rebateStaples Copy Paper - High Contrast PrintingItem: 990176
Model: 23479-US
Print documents clearly with Staples copy paper. Measuring 8.5 x 11 inches, this bright white copy paper provides good contrast, allowing printed documents to be read easily. This paper is ideal for use in copiers, printers, and fax machines.

Recommended for use with black-and-white toner-based copiers
Each case contains five reams of 500 sheets
Acid-free paper will not yellow or crumble with age
8.5 x 11 inches
Staples Brand 100% Satisfaction Guaranteed
Staples copy paper is ideal for everyday use. Whether used in the office or at home, this paper delivers crisp, clear print quality that is high-contrast and therefore easy to read. You can use this letter-sized paper in printers, copiers, and fax machines to get consistently high print quality. Safe for Archiving Staples copy paper is ideal for printing records that will be kept for a long time. The composition of the paper is entirely acid-free, which means that it will not yellow or crumble when it is stored. Use it for long-term projects in which the paper will be heavily handled or for documents in your archive. Bright White Color The bright white shade of Staples copy paper provides a high level of contrast for documents printed in black ink. As a result, printed text is easy to read, which helps you and your colleagues to avoid straining your eyes. Plentiful Supply This case of Staples copy paper contains five reams of paper, each of which contains 500 sheets. That means you can print 2,500 pages of information before you need to order a refill.In store only. Limit 4 rebates per household
---

$19.99 after easy rebateStaples 8.5" x 11" multipurpose paper 10-ream case Staples Letter-Size Multipurpose Paper - Create Perfect Prints and Copies.
Item: 513096 In store only. Limit 4 rebates per household.
---
Toshiba Canvio Connect 1TB Portable Hard Drive (Silver) $54.99 Save $20Item: 180279 Model: HDTC710XS3A1 Toshiba Canvio Connect portable hard drive in silver color has 1TB capacity with USB 3.0 interface and provides transfer rate up to 5Gb/s. 8MB Drive requires speed of 5,400 RPM with 12 ms average seek time and is compatible with PC, Mac.

1TB
Interface: USB 3.0
PC and Mac Compatible
Silver
Transfer Rate: Up to 5 Gb/s
Speed: 5,400 RPM
Average Seek Time: 12ms
Cache Buffer: 8MB
System Requirements: Microsoft Windows 8, 7, or XP and Available USB 2.0 or USB 3.0 Port
0.59"H X 3.11"W X 4.37"D, 5.82 oz
Toshiba 2-Year Limited Warranty


copy/print related
20% back in StaplesRewards on Color Printing Services
Retail Coupon Code 66435 Offer continues through 11/1/14
Color copies Presentations Posters Banners
Business cards Postcards Brochures
Color copies
Presentations
Posters
Banners
Business cards
Postcards
Brochures
Retail Coupon Code: 66435
Valid 9/14/14-11/1/14. Offer valid in store and online on color Copy & Print services with coupon only. Membership number must be supplied during purchase to receive benefi ts. The following services are excluded from this offer: Self-serve Copies, printing from the Computer Workstation, purchases from Staples Promotional Products, Scanning and purchases from Create.Staples.com. Purchase a qualifying item and earn 20% back in Staples Rewards. Standard percent back in Staples Rewards will be excluded. Not valid on prior purchases. Web-submitted order for pick up in store must be paid for in store in order to receive the offer. Price eligible is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Customer may only qualify for one promotion in a single transaction. Staples Rewards are issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period. For full program details, visit Staples.com/rewards.


coupons
15% off in store onlyRetail Coupon Code: 34230
Valid in U.S. stores only. Valid 10/26/1411/1/14 in Staples U.S. stores only. Limit one coupon per customer, nontransferable. Not valid on desktop or laptop computers, tablets, netbooks, Amazon Kindle, Apple products, Beats products, Bose products, Canon ink, Epson ink and toner, HP ink and toner, Steelcase products, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTechsm, SquareTrade warranties, phone cards or postage stamps. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.

Take an extra $75 OFF All laptops, desktops and all-in-one computers regularly priced $399 and aboveRetail Coupon Code: 90825
Valid in U.S. stores only. Valid 10/26/1411/1/14. Discount applies to PCs only regularly priced $399 or more. While supplies last. Excludes clearance items and tablets. Limit one coupon per customer, nontransferable. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.



Thank you for reading.
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00LOWZZ0I

The Book of Online Dating: The Complete Step-by-Step Guide to Finding Love Online - and Enjoying It Offline
5.0 out of 5 stars (19 customer reviews)

TIRED OF BEING SINGLE AND UNLUCKY WITH RELATIONSHIPS? TRY ONLINE DATING BUT PLEASE DO IT THE RIGHT WAY.
This book reveals easy and clear steps to plan and execute your online dating strategy.
No need to sift through several websites to find your potential mate. With this book, you cut out the clutter and focus on sites that really fit with your priorities, using an exclusive approach based on scientific research and empirical data. The end result is a quick yet effective approach to find love online while safeguarding your privacy, reputation and physical safety.

>>> The book contains a helpful Discussion Guide and a sample chapter of sequel The Art of Seductive Communication - How to Win Friends and Persuade Anyone to Do What You Want. Through burning questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.


>>> After reading this book, you will know how to:

Distinguish reputable sites from the fishy;
Write an impeccable and attractive user profile;
Prepare effectively for the first date; and
Follow up on successful first dates and potential mates.




ALSO FREE


Played: understanding and dealing with players
http://www.amazon.com/Played-understanding-dealing-Greg-Figueroa...


Always Hit on the Wingman: ...and 9 Other Secret Rules for Getting the Love Life You Want
http://www.amazon.com/Always-Hit-Wingman-Secret-Getting-ebook/dp...


Street Game: Day Game Tactics
http://www.amazon.com/Street-Game-Day-Tactics-ebook/dp/B00HY0CHE...



Simple Tricks To Get The Guy Of Your Dreams: Learn how to find the man you want and get him to love you
http://www.amazon.com/Simple-Tricks-Get-Your-Dreams-ebook/dp/B00...


Little Book of Dating Secrets - Finding Mr. Right Has Never Been This Much Fun
http://www.amazon.com/Little-Book-Dating-Secrets-Finding-ebook/d...



Books Deals

Amazon Coupons
Worx 20V Cordless Grass Trimmer/Edger $84.99 w/FS @ Sears
Added on : Wednesday October 22nd 2014 11:00:07 PM
g: 0 Posted By: ctgolfer
Views: 111 Replies: 0 The WORX Cordless 20-Volt Lithium Power 2-in1 Trimmer/Edger is a powerful, lightweight, and easy to use yard and garden machine. Convert the trimmer easily to an edger and vise-versa in seconds with no tools. The specially-designed adjustable handle and shaft can accommodate varying working heights for maximum comfort and control. Save time and effort with an easy safety start trigger -- no more pull starting; no more gas/oil mixes; no more exhaust smells; and no tangled cords. Typical trimmer batteries may need to be recharged before using them even if it was charged after the last use. With the Lithium Power battery technology, it resists self-discharge for much longer periods of time, and it has the ability to perform a quick partial charge without worrying about “memory effect” damaging your battery. The Lithium Power battery is lighter in weight and more compact. The rubberized twin-set wheels roll easily to guide along when edging to help maneuver through the edging process. To protect flowers and ornamental objects, there is a adjustable flower guard to keep the trim line at just the right distance from valued objects in landscaping and yard. An automatic single line feed means no bumping to advance the line. With 2 20V Li-ion batteries for longer run time.

www.sears.com/worx-20v-cordless-grass-trimmer-edger/p-0717171400...
Garden Deals

Sears Coupons
g: 0 Posted By: Y3ll0wSlack3r
Views: 127 Replies: 0 Push: 50 Secrets on How to Land a Job by Creating Social Media Buzz Book DescriptionPublication Date: June 7, 2011Job hunting used to be so much simpler.

All you had to do was follow a simple set of rules:
1. Write a resume
2. Submit it to a company (online or in person)
3. Interview
4. Rinse and repeat with multiple companies
5. Cross your fingers and hope someone hires you

Admit it, youve gone through this process, haven't you?

This was a decent method for landing your dream job - years ago! The rules have changed. Weve gone through an unprecedented time with the financial crisis. Jobless rates are sky high. The job market has become ultra-competitive.

Heres the bottom line: Job hunters can no longer play by the same rules and expect to land their dream job. Youve got to stand out from the crowd.

This book will help you push yourself towards your dream job by:

★ Sharing 50 tips on how to leverage social media (Twitter, Facebook, LinkedIn, Prezi, SlideRocket) and networking techniques to land your dream job
★ 10 core philosophies to guide you in your job hunting journey
★ Learn the secrets to how I was able to get recruiters from Google, HP, Verizon, Apple and other top private companies reach out to me about job opportunities!
★ Best practices I've learned from hiring practices at Fortune 100 companies and numerous interviewing sessions and seminars at colleges

Don't be dragged down into the crowd of endless paper resumes - Its time for you to push your resume, your social media skills and yourself to new heights.

Are you ready to push?

"Nelson's writing style keeps you engaged from the first page to the last." - Ted Blosser, Senior Account Executive, Box.com

"In Push, Nelson Wang's finest accomplishment is the transparency and sincerity in which he writes that can be identified within the first 10 pages." - Hansen Shieh, MBA Student at Columbia University
Totally Free Deals
g: 0 Posted By: Y3ll0wSlack3r
Views: 120 Replies: 0 Shapes & Colors For Children: Including Hexagon Pentagon Octagon

Get it while it is FREE

Book DescriptionPublication Date: November 13, 2013 | Age Level: 0 - 6 | Grade Level: P - 1This is an educational book for babies, toddlers and very young children. It features 14 different shapes, and 14 different colors. The shapes include not only the basics, but hexagon, pentagon, octagon and a few more advanced ones. There are also some tips to parents at the end for more ideas to reinforce the learning of shapes and colors to children.

I found as a mother, I tended to just teach the basic shapes and colors. Im not sure why I stopped there, but I assumed thats what young children learned. When I became a full time nanny, the little boy I cared for loved shapes. He enjoyed every minute of our learning time, so I kept going in the teaching of shapes because he mastered the basic ones quickly.

By 15 months old, he knew ALL the shapes in this book in various mediums. He couldn't say them mind you, but he could accurately, find them, every time. I believe oval was one of his very first words. I learned a lot from him and how much young children can learn, if well teach it. Dont be nervous about teaching very young children the more advanced shapes, just make it fun. Make the learning process itself, enjoyable.
Totally Free Deals
Margin Loan for Real Estate from Interactive Brokers
Added on : Wednesday October 22nd 2014 04:00:15 PM
g: 0 Posted By: corwinamber
Views: 71 Replies: 2 There've been a few threads in the past talking about taking out a Margin Loan from Interactive Brokers (with their crazy-low interest rates for large portfolios) to purchase real-estate, either as a bridge loan or, presumably, longer term as long if the rates stay low enough. So currently a $1.5M margin loan from IB would be at about a rate of 1%. That's certainly enticing compared to a traditional mortgage (not to mention the lack of fees, paperwork BS, etc.) I'm well aware that there's a much higher risk if securities go south but I'd probably put something like $2.5M in assets into the account so it would take a pretty nasty downturn to be a problem. (Part of the reason to do this, rather than just liquidating the securities and paying cash, is to avoid some capital gains I have on a couple of those securities. It was a good call to buy AAPL and TSLA last year )

But I'm wondering if anybody out there has done something similar, particularly with IB, and can reassure me that I'm not missing something here.

Previous threads that touch on the topic can be found here: http://www.fullofdeals.com/forums/finance/1359910/ andhttp://www.fullofdeals.com/forums/finance/1337838/


New User Question Deals
Free Kindle book: Signs of Vitamin B12 Deficiencies: Who's At Risk -- Why
Added on : Wednesday October 22nd 2014 04:00:13 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 23 Replies: 0 Signs of Vitamin B12 Deficiencies: Who's At Risk -- Why

Get it while it is FREEEditorial ReviewsAbout the Author In 1975, my husband, two little baby girls, and I were living in an apartment in Chicagos Hyde Park district. My husband had diabetes and asthma and I realized I didnt know very much about healthy food and the best way to feed my family. Id always been a fairly decent student having graduated a few years earlier with a M.A. degree from Bradley University in clinical psychology. I minored in biology as an undergraduate and did postgraduate work in biology with an emphasis on human anatomy and physiology. Ive also done considerable independent study in this area as well as studying about foods simply because I enjoy it and to help my husband with his Type 2 Diabetes. My latest book, How to Eat Healthy foods to eat . . . foods to avoid, is available at on Amazon.com
$9.99 @tanga.com 6 ft wall decal writing surface
Added on : Wednesday October 22nd 2014 12:00:15 PM
g: 1 Posted By: DaysFan
Views: 205 Replies: 0 Http://www.tanga.com
Sick of your kids coloring on your wall? Give them a space to let their imaginations run wild without having to call a clean-up crew afterwards with todays deal for a 6-Foot Chalkboard or Whiteboard Decal.Turn any ordinary wall into a fun writing surface with this easy peel-n-stick decal. Perfect for kids coloring surfaces, grocery lists, calendars, weekly dinner menus and much more, the 1.5ft x 6.5ft decal can be cut into any shape and size. The decal sticks to any wall and peels off without any residue.Skip the scrubbing and give your family a wall to color on without the mess!Transform any wall into an intentional writing surfaceInstalls onto any clean, smooth surface or painted dry wallCan be cut into any shape or sizeEasily wipes clean with cloth or towelCan also be used on tabletops for a creative work stationList all your vital thoughts, school or business data, and personal communicationsNon-toxic and 100% lead free vinylYour choice between chalkboard or whiteboard stylePerfect for childrenBrand New30 Day WarrantyWhats Included:6-Foot Wall Decal Writing Surface (Choice of Chalkboard or Whiteboard)Chalkboard Option Includes: 5 Pieces of Chalk (2 White, 1 Yellow, 1 Blue and 1 Red)White Board Option Includes: 1 MarkerDimensions:Item measures 6.5′ 1.5′ (L x W)
Office & School Supplies Deals

Tanga Coupons
TC Helicon VoiceLive 2 Floor-Based Vocal Processor Restock $349.99 Fs @ MF
Added on : Wednesday October 22nd 2014 05:00:14 AM
g: 0 Posted By: tedhawkins
Views: 162 Replies: 0 TC Helicon VoiceLive 2 Floor-Based Vocal Processor Restock $349.99 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The VoiceLive 2 floor-based vocal processor from TC Helicon makes it easier to lead your own vocal backup group while sounding rich and authentically human at the same time. It starts with a guitar, MIDI keyboard, or aux-input controlled vocal harmony algorithm with four intervals, each of which can be unison-doubled, or 8 discrete voices controlled by your MIDI keyboard playing. And when you want to tap into your gospel soul, VoiceLive 2 effects pedal gives singers a Choir algorithm that creates the massive multi-voice group vocal sound to bring home those classic choruses.

Vocal effects pedal with more automatic features
When you're worrying about parameter settings, you spend less time focusing on your music. So when TC Helicon set out to build VoiceLive 2, they automated several of its features.

Auto MicGain Set the mic gain from a standing position just by singing. Once this is done there are no knobs to be jostled in transit and you can still do manual tweaks if you feel you'd like to.
Auto GateFeedback a problem? An all-new Auto Gate listens to you and adjusts to reduce feedback and effects leak-through while you're not singing.
Adaptive ToneA single push of the Tone button engages studio-quality Shape EQ, compression, and de-essing that adapts to the tonal range of your singing style and voice for increased impact and smoothed dynamics. Finally, your live singing can have that studio polish.
Reverb and Delayducking Increase the sustaining tail of your reverb and delay effects while carving out plenty of room for your lyrics with ducking. The level of the effects is reduced while you sing and then subtly increases after your last syllable for a paradoxical deeper ambience with enhanced intelligibility. Of course, this is all automaticjust select a ducking reverb or delay style, and VoiceLive 2 does the rest.

A vocal effects powerhouse
All the processing power in VoiceLive 2 is available simultaneously to take your voice, your performances, and your music over the top. In addition to vocal harmony, you can construct or select preset effect chains containing effects to:

Distort your voiceGrunge is good. Make a statement with the Transducer block that also has 4 pole filters for great megaphone and telephone effects.
Clone your voiceEmploy up to 4 voices of humanized unison overdubs in addition to the harmony voices. This sound has been used since recording began to fatten vocals. Now it's your turn.
Expand your spaceA completely new reverb algorithm envelops your voice in dense ambiances from teeny live rooms to concert halls and bright plate simulations. Don't forget the delay block can serve to add depth or become a highlight effect whether it's using tap tempo or tape delay styles.
Mod ya laterThe full μMod block brings lush chorus, slick microtuning, swooshing flange, and more to the party. Those half-time bridge sections never sounded more psychedelic.

Random access
Having a large chain of effects won't do as much good if you can't add and remove links in the chain when the mood strikes. The individual stompbox footswitches for Harmony, Doubling, μMod, Reverb, Delay, and FX give you the flexibility to layer or simplify at will. Also, there's a Shortcut footswitch that can be assigned to add other interesting features such as tap tempo, harmony hold, and others. There is no separation between Song mode and Preset mode as there was in the original VoiceLive; each preset can have up to 50 steps each of which can contain a different preset or a simple modification of the main preset. Go ahead, get dirty, and start creating now.
Features

5x processing power of typical floor processor
Separate harmony and doubling blocks
New reverb, tap delay, μMod
FX block for T-Pain effect, megaphone, distortion
Wizard button helps you find the right preset
Stompbox access to 6 effect blocks
One button access to global Tone, Pitch, and Guitar FX
Easy editing of all parameters
Simple preset chaining with Step feature
USB for updates, backups, and audio streaming
All effects can be used simultaneously
Tone tailors adaptive EQ, compression and de-ess to your voice
Adaptive gate reduces mic input when you're not singing
Mic or Line input with digital controlled mic gain
Control harmonies with guitar, MIDI, or MP3 input
Up to 8 voices with MIDI keyboard control or 4 doubled harmonies
All new algorithm is smooth and natural even for extreme vocal styles
Autosensing of harmony control instrument
Guitar input with auto-mix , Guitar FX, and transparent pass-thru
Stereo 1/8" (MP3 player) input
Stereo XLR, 1/4" and Headphone outputs
MIDI in, out, and thru
Expression pedal input
USB for updates, back-up and audio streaming
Digital mic-gain control is engaged with your feet
Natural curve puts footswitches at comfortable angle
Recessed rubberized handle
Bright LCD and large lettering
Rubberized end caps and edit/mix knobs


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g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 Sold by Lepow Official and Fulfilled by Amazon

use promo code: TR3NUEEY

free shipping with Prime or on $35+

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

www.amazon.com/gp/product/B00DWKK6PE/
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g: 0 Posted By: sarahturtle
Views: 46 Replies: 0 http://amzn.com/B00OO5IGC6

save $5.99

Today only, get this Kindle book for FREE. Regularly priced at $5.99. Read on your PC, Mac, smart phone, tablet or Kindle device.

Pumpkins have been popularly associated with 2 things Halloween and pies. Fortunately, pumpkins have much more to offer than that!

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Maintain Or Improve Healthy Eyesight
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Collection agency letter on a 4+ year old medical bill
Added on : Tuesday October 21st 2014 04:00:07 PM
g: 0 Posted By: peteron
Views: 29 Replies: 1 Hi FWers, I got this letter three weeks ago from Front Arnett debt collection agency on a medical bill that I was charged in 2009. I was in school at that time, and went to a clinic outside school for doctor visit. I was charged a few hundred bucks which I was obligated to pay within my deductible. I received the bill but didnot pay because it was a bit too much to afford at that time. I remember I got a call once from the clinic, but eventually I did not pay. Since then nothing has happened and I totally forgot about it. Now after nearly 5 years, the debt collection letter shows up in my door - which is shocking to me since I have moved numerous times in the past five years. How do they manage to find me?? Now they demand me to pay full amount, but do not say anything about the bill - I wonder if they will be able to validate it or not. I should have responded to the letter earlier, but I just saw the letter lying on my desk today. I am going to hit the 30-day window next week. I have excellet credit and donot want this to ruin it; on the other hand, it would be nice if I donot have to pay the hundreds bucks. Given that it is a really old bill, I want to consult people here, what is the strategy I should take?
If and how to retain an attorney for contingencies
Added on : Tuesday October 21st 2014 01:00:06 PM
g: 5 Posted By: ssgcinty
Views: 2066 Replies: 46 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her - even in the middle of night. (edited to add)

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

edited typo

Discussion Deals
Hamilton Beach 22-Quart Roaster Oven 39.92 free ship w/50 or pickup
Added on : Tuesday October 21st 2014 08:00:11 AM
g: 0 Posted By: KillMonkey
Views: 159 Replies: 0 Hamilton Beach 22-qt. Stainless Steel Roaster

WalMart is selling the Hamilton Beach 22-qt. Stainless Steel Roaster Oven for $39.92 In store Pickup or get free shipping with $50.00 or more

Hamilton Beach 22-Quart Roaster Oven:

Double your oven space
roast whole turkey
Perfect for thanksgiving
Roasts, bakes, cooks & serves
Removable pan
Easy lift-out rack

When comparing ovens remember some of the cheaper ones are 18qt and can only cook small turkeys, the 22 can Handel much larger birds​

Reviews at Amazon are good:
amazon link for reviews


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Free Kindle Book- The BIG book of Paper Beads (was $9.99)
Added on : Tuesday October 21st 2014 02:00:11 AM
g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/gp/product/B008ADKFJK

4.6 out of 5 stars (41 customer reviews)

3rd edition, revised February 2014 with larger/ better pictures per YOUR request

This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too!

It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more!

But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
Totally Free Deals
g: -1 Posted By: galen77
Views: 198 Replies: 2 New working promo code for FanDuel.comwith no expiration date.

Use promo code STACKSwhen you sign up for up to $200 match on your first deposit. This is the highest bonus you can get as of now.
For those of you who doesn't know what FanDuel is here is the gist.
FanDuel is the biggest and most popular fantasy sports website on the net.

100% legal in USA and Canada

You can play for free or for real money.
No season long commitments - most games are 1 day or 1 week long
Play NFL, NHL, NBA, MLB or CFB.
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Safe withdrawals via Paypal or check.
Pretty much they have it all when it comes to fantasy sports.
For full rules about the match bonus, read here.
IMPORTANT NOTE: FanDuel is currently NOT offering paid entry games to residents in the following states :
Arizona, Iowa, Louisiana, Montana or Washington. If you are a resident in one of those states and want to know why is that - read here.


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g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/Making-Jewelry-Beads-Silver-Beginners-eboo...

Wearing jewelry is essential to helping women developed their own style. For women wishing to create a look that's unique, the last thing they'll want to invest money in is mass produced pieces of jewelry. It's for this reason alone, learning the skills needed for making silver and beaded jewelry could prove extremely beneficial. When it comes to making such pieces you need to know where to purchase the right kinds of supplies. In this book, " Making Jewelry With Beads & Silver Jewelry For Beginners : A Complete Step by Step Guide (Special 2 In 1 Edition)" not only do we discuss what's needed to start your own silver & beaded jewelry making venture but also provide several projects you may want to try out. The actual process of turning a piece of silver into a piece of jewelry is not only very technical, but also allows your artistic side to flourish. Once you've finished making silver jewelry either for yourself or for someone else, it can prove extremely satisfying, especially as you watch the piece develop and grow. In addition, after finishing this book not only will you be able to create unique and stunning jewelry designs with beads for yourself but for others as well. Within this book are some techniques that'll only take a matter of minutes to master, whilst others may require you to spend a little more time practicing them to achieve the right kinds of results. From the outset, this book has been designed for those who have never created jewelry with beads and silver before. However by the end you'll be an expert in the tools of the trade, the supplies you need and some basic skills you can advance upon over time. For more tips and tricks, download " Making Jewelry With Beads & Silver Jewelry For Beginners : A Complete Step by Step Guide (Special 2 In 1 Edition)" now!




also free

The BIG book of Paper Beads (was $9.99)
http://www.amazon.com/gp/product/B008ADKFJK
4.6 out of 5 stars (41 customer reviews)

3rd edition, revised February 2014 with larger/ better pictures per YOUR request Smile
This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too!
It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more!
But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages


Making Costume Jewelry: An Easy & Complete Step by Step Guides
http://www.amazon.com/Making-Costume-Jewelry-Complete-Ultimate-e...
4.1 out of 5 stars (12 customer reviews)


25 Winter Craft Ideas: Easy Indoor Crafts for Kids
http://www.amazon.com/25-Winter-Craft-Ideas-Seasonal-ebook/dp/B0...
4.0 out of 5 stars (51 customer reviews)


23 Halloween Crafts for Kids: Homemade Halloween Costume Ideas and Spooky Decor
http://www.amazon.com/23-Halloween-Crafts-Kids-Homemade-ebook/dp...
4.3 out of 5 stars (21 customer reviews)


21 Fun Crafts for Kids: Easy Fabric and Paper Crafts for All Four Seasons
http://www.amazon.com/21-Fun-Crafts-Kids-Seasons-ebook/dp/B00OL0...
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g: 0 Posted By: ctgolfer
Views: 34 Replies: 0 The fourth season of The Walking Dead finds Rick Grimes (Andrew Lincoln) desperate to rediscover his own humanity and preserve what he can of his son Carl's (Chandler Riggs) childhood through reinventing himself as a farmer while a counsel including Carol (Melissa McBride) and Daryl (Norman Reedus) in addition to several Woodbury ex-pats take on leadership roles. His newfound sense of peace is quickly Derailed, however, when a mysterious illness begins to decimate the community. Elsewhere, the disgraced Governor (David Morrissey) roams the apocalyptic streets on his own until happening upon a family of survivors who reignite both his will to survive and take revenge against Rick, who he blames for the loss of Woodbury. Following a massacre at the prison, the group is splintered into several factions, none of whom can be sure about the fates of the others, and forced to find shelter among a population of survivors that can pose as much and often more of a threat than the walkers themselves

www.bestbuy.com/site/walking-dead-season-4-5-discs-limited-editi...
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g: 0 Posted By: Y3ll0wSlack3r
Views: 116 Replies: 0 40 Rules for Internet Business Success: Escape the 9 to 5, Do Work You Love, and Build a Profitable Online Business

Get it quick before it is gone with the windEditorial ReviewsReview"Matthew reminds us that whether bricks and mortar or online, building a business is a process of building relationships, creating value, acting with integrity, and using time-proven strategies for profitability. 40 Rules for Internet Business Success will walk you through that process -- from idea to money in the bank." - Dan Miller, Author of 48 Days to the Work You Love"If you are prepared to IGNITE your entrepreneurial journey, 40 Rules for Internet Business Success will inspire you to take massive action and provide you a proven game plan to turn your dream of building your own online business into a reality." - John Lee Dumas, Host of Entrepreneur on Fire"Just one of Matthew Paulson's 40 Rules for Internet Business Success will greatly shorten your journey to your first (or greater) online income. All forty of the rules are proven wisdom from someone who has been there and done it. Read, take action, and you will see results." - Jason Van Orden, Co-Founder of Internet Business Mastery"If your business has an Internet component, this book will give you bite-sized, actionable tips and advice to blow it out of the water. Written by an author who's actually done it, Matthew details how he grew, shifted, and pivoted in building his businesses." - Emily Chase Smith, Author of The Financially Savvy Entrepreneur"With so much noise (and misinformation) in the world of teaching Internet business, it's refreshing to see actionable advice from an entrepreneur who has been there and done that. 40 Rules provides a proven blueprint that will guide anyone who's willing to do the work and learn along the way to build their own online business." - Tim Conley, Host of the Consulting Fuse PodcastFrom the Author If you had asked me a year ago if I thought I would be launching a book today, I would have probably dismissed the idea. For the longest time, I didn't think I had any unique business knowledge until someone said to me, "Do you realize how successful you are? You've built not one, not two, not three, but four profitable online businesses." I had never really considered writing about business because I've always been too busy building my company, but there's been a steadily growing stream of people that have asked me about how I've built my Internet businesses. I couldn't possibly mentor everyone who's asked me to help with their online business, so I did the next best thing. I wrote a book so that everyone who wants to benefit from the knowledge I've gained while building my online business can do so. In my book, 40 Rules for Internet Business Success, you'll learn the strategies I use to identify, build and launch my online businesses. You'll learn the tactics I've used to get all four of my businesses to six figures in annual revenue. You'll also learn how to systematize, delegate and automate major portions of your business so that you actually enjoy the work that you're doing. Finally, the book is peppered with stories from my businesses so that you can grow your business faster and avoid many of the mistakes that I've made along the way.
If and how to retain a attorney for contingencies
Added on : Monday October 20th 2014 11:00:14 AM
g: 1 Posted By: ssgcinty
Views: 72 Replies: 1 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her.

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

Discussion Deals
g: 0 Posted By: shahnm
Views: 76 Replies: 0 West Side Story

Disc 1: West Side Story Remastered in 1080p Hi-Def with 7.1 DTS-HD Sound

Pow! The Dances of West Side Story In-Movie Viewing Mode
Song-Specific Commentary by Stephen Sondheim
Music Machine

Disc 2: Blu-ray Additional Special Features

A Place for Us: West Side Story s Legacy
Creation and Innovation
A Timeless Vision
West Side Memories
Storyboard-to-Film Comparison Montage

Disc 3: DVD

West Side Story Digitally Restored in
Standard Definition
Music Machine

Disc 4: Tribute CD: Songs and Music

8 covers from West Side Story from top performers including Julie Andrews, Tuck & Patti, Gloria Estefan, and much more!

50th Anniversary Collectibles:

Hardcover Book Includes Rare Photos and Foreward by Producer Walter Mirisch
Theatrical Posters from Around the World in 10 Collectible Postcards
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Free Butterfly Body Liners
Added on : Monday October 20th 2014 07:00:09 AM
g: 2 Posted By: remick
Views: 240 Replies: 0 https://www.butterfly.com/butterfly-pads-free-sample/

The first product that fits comfortably in the buttocks, providing secure protection for little bowel leaks.

Much better than products that fit un​uncomfortably in the buttocks.
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g: 1 Posted By: remick
Views: 286 Replies: 0 http://www.amazon.com/gp/product/B00NFUPKNO/

4.9 out of 5 stars (11 customer reviews)

WHAT IS THE SINGLE MOST IMPORTANT ELEMENT THAT HINDERS YOUR SUCCESS?

This book answers that question.

In a society awash with perseverant yet unsuccessful men and women, this book is making a great plea to all readers: Let us show you the 10 key languages of success. The book surveys the rich, successful and famous and illustrates what it takes to thrive in life, distance yourself from the rest of the pack, and wrap your existence in the language of success, motivation and conviction.



also free

On the Leadership Journey...: 30 conversations about leading yourself and others
http://www.amazon.com/On-Leadership-Journey-conversations-yourse...
4.8 out of 5 stars (6 customer reviews)

The way you grow internal power (greatness within) and how you project that power (influence) in your environment will dictate your level of success every day. This book is not about boring theories of leadership but about finding, within your arena of life, real leadership growth and manifesting it in everything you do. This is about converting your every-day life experience into an influential leadership experience. Thats how you will become the leader others want to follow!




Success Made Simple: Achieve Your Business and Personal Dreams by Mastering One New Habit at a Time
http://www.amazon.com/gp/product/B00O47VRPW

It is in your moments of decision that your destiny is shaped
Tony Robbins

This is one of my favourite quotes. The reason is, it can be put to use moment by moment in every area of our lives. In fact right now as you are reading this introduction you have the opportunity to make a commitment to yourself to read everything in this book and decide to put one new idea into practice every week, and do what you can to master just one idea. In 12 months from now you will have 52 awesome habits that will change your life forever.

Of course you can also choose to be a slave to your excuses. I dont have time, Im too busy or whatever you can come up with so you dont need to challenge your comfort zone, so you can slide into the massive sea of mediocrity with the masses.

In your hands you have information and ideas that have been generated from almost 20 years of research and experience in the area of personal performance and personal change. You have the opportunity to benefit massively without the significant time, effort and money that I have invested over that period, but you must act! That is the price you must pay for the benefits you can enjoy with this information.



Think Rich: The Power of the Mind - Believe It, Create It, Become It
http://www.amazon.com/gp/product/B00IERPW3Q
4.5 out of 5 stars (19 customer reviews)

Have You Ever Dreamed of Being Rich?
The first steps to becoming rich is believing it WILL happen. You've got to have the mindset and believe that money WILL be in your future...and we're not just talking about a few nickles and dimes - we're talking about thousands or even millions of dollars - that part is up to you to decide.
Recently the secrets of how powerful the mind ACTUALLY is have become more noticed with the wealth of information that is at your fingertips today. Years ago only a few of the wealthiest people knew the secrets I am about to share with you. The richest people in America know that the power of the mind plays a huge role in the ability to make money and become rich.

You Are About To Discover:
- How To Use The Power of the Mind To Your Advantage
- Why & How the Law of Attraction Can Make You Rich
- The Steps Napoleon Hill Used To Become One of the Richest Men Ever
- Strategies To Keep a Positive Mindset & Believe in Yourself
- How To Deal With Failure
- And Much Much More!
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g: 0 Posted By: remick
Views: 12 Replies: 0 http://www.amazon.com/dp/B00JD07HMM

The first major league baseball game to take place at what is now called Wrigley Field occurred on April 23, 1914, on 4,000 yards of soil and four acres of bluegrass. Though the area may have shrunk, Chicagos love for the iconic Wrigley Field has only grown in the past century. In honor of the legendary ballpark's 100th birthday, the Chicago Tribune staff has compiled a breathtaking tribute to Wrigley Field, including historical photos, archival articles, and new content from the newspaper's award-winning journalists.

Beyond the Ivy: 100 Years of Wrigley Field is a beautifully illustrated collection that captures the timeless charm of the "Friendly Confines." With contributions from beloved Chicago Tribune writers like Mike Royko, Christopher Borrelli, Paul Sullivan, Phil Vettel, and more, this book is a dazzling celebration of a national landmark and the gem of Chicago's north side. Stories of homers and blunders, heroes and villains, and triumph and tragedy are spread throughout this book, allowing readers to relive all their favorite memories right in the palm of their hands.

From the time the plot of land bound by the streets Clark, Addison, Sheffield, and Waveland was the Chicago Lutheran Theological Seminary, to the construction of Weeghman Park and its renaming as Wrigley Field, this stadium has not only hosted baseball, football, and hockey, but also a century's worth of ever-changing trends in music, food, and fashion. Readers can finally join in on Wrigley's centennial celebration with this entertaining and fascinating book detailing what may very well be Chicagos greatest contribution to baseball. Beyond the Ivy, in tracing the roots of Major League Baseball's second oldest ballpark, has created a testament thatmuch like the cherished construction it profileswill surely stand the test of time.
Free Kindle book--The Apple Cider Vinegar and Coconut Oil Bible
Added on : Monday October 20th 2014 12:00:06 AM
g: 0 Posted By: sarahturtle
Views: 61 Replies: 0 Free Kindle book--The Apple Cider Vinegar and Coconut Oil Bible, 4.5/5 stars though only a few reviews.

http://www.amazon.com/Apple-Cider-Vinegar-Coconut-Bible-ebook/dp...

Discover Natures two most powerful health supplements

Maintain & Lower Blood Sugar,
A new way to cure you heart burn using these two supplements,
Learn the hundreds of uses of Apple Cider Vinegar and Coconut Oil
Save money, avoid toxins, and live a healthier life

Learn how two of natures most powerful supplements can change your life for the better. Everyone knows that coconut oil is healthy but in this book, well go into detail about why its healthy, how you can use it every day and what it can do for your health. Some of the topics that is covered on coconut oil are:
Weight loss with coconut oil
Enhancing your immunity
Heal from injuries in record time
Treatments of Alzheimers
Beauty benefits
And much more!
Apple Cider Vinegar has been around for centuries but has just now been in the spotlight as a nontoxic and healthy way to cleanse your body inside and out. It also helps to cure a multitude of ailments such as:
Skin Rashes
Heart Burn
Type 2 Diabetes
Helps you lose weight
Sore throats
And much more!

In this book, well go over tips and tricks that you can use to save you hundreds of dollars if not thousands of dollars a year just from the use of these two products. People might know what coconut oil does and what Apple Cider Vinegar can do, but have you ever thought about combining two of the worlds best health supplements? We detail various uses this wonder combo can have in your life and the many uses that come along with it.

After youre done reading this book, youll definitely be ready to put all the information to use and to start saving money, living healthier, and avoid dangerous toxins.

So what are you waiting for?! Scroll up and download the book now and take the first step into living greener and healthier with two of natures most powerful health supplement, Apple Cider Vinegar and Coconut Oil.


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g: 0 Posted By: Dotbody
Views: 192 Replies: 0 Whether you're looking to upgrade from an $18 Syma helicopter, or you're ready to take some nice 720p footage, this quadcopter is at a really good price right now.

Black with red
Red with white.

Hubsan X4 H107C RC quadcopter with HD 2MP Camera
Latest 6-axis flight control system with adjustable gyro sensitivity
Permits super stable flight. With 4 channels
4-ways flip(left,right,forward,backward)
memory card:Micro SDHC(excluded)


YouTube has some pretty nice footage of this capable guy. Much better than some of the standard definition stuff out there.
RC & Hobbies Deals

Amazon Coupons
g: 0 Posted By: sarahturtle
Views: 86 Replies: 0 Free Kindle book:101 Avocado Recipes: Today's Superfood, Facts, Health Benefits, Weight Loss

http://www.amazon.com/101-Avocado-Recipes-Superfood-Superfoods-e...

Avocado: Today's Superfood.

Many people have mixed feelings about adding avocado into their daily diet due to the high levels of fat that are present in it`s make up. Not to be alarmed avocado lovers, these creamy, delicious and versatile little nuggets are loaded with one of the best types of fat that our body needs on a regular basis in order for all of our systems to function optimally. The combination of fat found in avocado also helps our bodies absorb many of the other essential fat soluble nutrients in our diet that much more effectively.

Plentiful and easy recipes that will help you incorporate this wonderful Superfood in your daily life.

What you will Learn:

Tons of Recipes and ways to incorporate in daily eats
Recipes for Breakfast
Recipes for Lunch
Recipes for Salads
Recipes for Desserts
Recipes for Soups
Recipes for Drinks and Smoothies
History of Avocados
Nutritional Value and Benefits
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 167 Replies: 0 Sold by OXA USA COM and Fulfilled by Amazon.

free shipping with Prime or on $35+

Intelligently designed using Samsung Grade A cell microchips to ensure safe operation.
Digital LCD screen provide a visual indication of the battery life, and Includes a high intensity flashlight let your life much easily.
Quick and easy charging of the 10000mAh Lithium-ion Polymer battery using any available 2 USB ports(5V 2A&1A) that support charging 2 devices simultaneously.
Stylish surface ensures light weight, scratch resistance and durability.
Package contents: The 10000mAh Juice Box S2 Power Bank, Three in one cable, Anti-static bag for storing the product when not in use, User Manual.

www.amazon.com/dp/product/B00E2TT8W6/
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g: 9 Posted By: remick
Views: 928 Replies: 1 http://www.amazon.com/gp/product/B00OM729CY

The book covers hacking scenarios ranging from the merely mischievous to the criminal, the super hacker known as the Knightmare gives step-by-step instructions in meaningful hacking from a personal computer.

"Secrets of a Super Hacker is a fascinating hacker cookbook that reveals the ease of
penetrating even the most stalwart computer system."


Black Book of Viruses and Hacking
http://www.amazon.com/dp/B00OKRD7UY/

This is the first in a series of three books about computer
viruses. In these volumes I want to challenge you to think in new
ways about viruses, and break down false concepts and wrong ways
of thinking, and go on from there to discuss the relevance of
computer viruses in todays world. These books are not a call to a
witch hunt, or manuals for protecting yourself from viruses. On the
contrary, they will teach you how to design viruses, deploy them,
and make them better. All three volumes are full of source code for
viruses, including both new and well known varieties.
It is inevitable that these books will offend some people.
In fact, I hope they do. They need to. I am convinced that computer
viruses are not evil and that programmers have a right to create
them, posses them and experiment with them. That kind of a stand
is going to offend a lot of people, no matter how it is presented.
Even a purely technical treatment of viruses which simply discussed
how to write them and provided some examples would be
offensive. The mere thought of a million well armed hackers out
there is enough to drive some bureaucrats mad. These books go
beyond a technical treatment, though, to defend the idea that viruses
can be useful, interesting, and just plain fun. That is bound to prove
even more offensive. Still, the truth is the truth, and it needs to be
spoken, even if it is offensive. Morals and ethics cannot be determined
by a majority vote, any more than they can be determined
by the barrel of a gun or a loud mouth. Might does not make right.



Hacking into Linux
http://www.amazon.com/gp/product/B00O49TVOO

Till now almost all Hacking Truths manuals have been Windows centric. However, with the growing popularity of Linux and the fact that Linux is considered to be the Hackers OS, the book "Hacking into Linux" makes you hack any linux system completely!




also free

Internet Traps, Rip-Offs And Pitfalls: Understanding Online Security
http://www.amazon.com/dp/B00M0EWTEY/

YOU ARE IN DANGER

If you use the Internet at home, whether for work or play, you are wide open to serious exploitation unless you take specific measures to protect yourself. Nothing may happen this week, this month, next month, or even in the next year but, as sure as eggs are eggs, it is only a matter of time before you will find yourself under attack. "But I have anti-virus protection already", you might say. Sorry to disillusion you but, although that's good, it's only a small part of the protection you need.

THERE IS MORE TO ONLINE SECURITY THAN JUST AN ANTI-VIRUS PROGRAM!

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

If you are new to the Internet (or perhaps even if you're not so new), you will pick up many useful Internet security tips from this ebook. It is deliberately written in plain English for the 'not so technically minded' and is all about how to get the most out of being online at the same time as guarding against its many dangers.

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

If you are a parent with children who use the Internet at home, at the library or at a friend's house (especially where they might access it unsupervised), it is your duty to have at least the level of understanding that this ebook provides, in order to properly advise them. Internet safety for kids is mostly a matter of advising them what not to do online.

Tech-speak really cannot be avoided but this book includes a comprehensive Glossary Of Terms too, which lists and explains nearly 500 common acronyms and other snippets of jargon peculiar to the world of IT and marketing. In other words, Internet Traps, Rip-offs And Pitfalls (ITRAPS) covers Internet security for those with limited technical know-how as well as Internet security for beginners.

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
Free Kindle book: Malaysia Flight MH370 Lost in the Dark
Added on : Sunday October 19th 2014 02:00:05 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 23 Replies: 0 Malaysia Flight MH370 Lost in the Dark: In Defense of the Pilots: An Engineer's Perspective Book DescriptionPublication Date: April 19, 2014The Pings Have Stopped, But The Questions And The Blame Continue In The Case Of Flight MH370
Missing flight Malaysian flight MH370 isnt in the news as much now. The pings have stopped, and the search has entered a second, much slower phase. It may be months or even years until the families of the lost passengers and crew finally learn what happened in the skies on March 8, 2014.

In the meantime, questions abound and blame seems to inevitably land on the pilots. Captain Zaharie Ahmad Shah and first officer Fariq Abdul Hamid have been characterized as criminals, suicidal maniacs, hijackers, and terrorists. As the mystery continues, so does the speculation about these two men.

In Malaysia Flight MH370 Lost in the Dark, author, engineer, and U.S. Air Force veteran John Choisser proposes a radically different Theory of what happened that day. Choisser walks readers through his detailed research of the information available as he plots out a scenario of a rare accident that exonerates both pilots.

Readers of this book will get to explore the fascinating and tragic disappearance of Flight MH370 like never before. Those who want to educate themselves and come to their own conclusions will appreciate Choissers in-depth analysis of the Boeing 777s various systems. Choisser also tackles some of the most puzzling mysteries surround Flight MH370, like:

>>> Why didnt the passengers answer their cell phones?
>>> Could someone have hidden in the cargo bay?
>>> Could the airplane have flown by itself?
>>> Could someone have hacked the plane and operated it externally?

Choissers short and engaging book is a must-read for anyone who wants to cut through all the confusion and wild conspiracy theories in order to realistically evaluate what truly could have happened to Flight MH370. Choissers intriguing hypothesis will also make readers think twice about the blame and speculation that has swirled around the flights two pilots.

Until Flight MH370 is found the truth cannot be known, but Malaysia Flight MH370 Lost in the Dark, provides a provocative answer that deserves attention and consideration.What Readers Are Saying About Lost in the Dark:
>>> A very insightful and very well-researched read!
>>> Offers more light on the likeliest causes than any other information I have read.
>>>There are so many uneducated rumors out there and this book provides an intellectual compass to help navigate through the effluent of so called expert opinions out there.
>>> Its refreshing to read a perspective that is not based on making headlines and/or proving a point. Very good read.
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Wolfenstein: The New Order - PS3 version $29.99 Amazon
Added on : Sunday October 19th 2014 09:00:02 AM
g: 0 Posted By: Fergus
Views: 68 Replies: 0 Wolfenstein PS3 Amazon

The Assault: Experience intense first-person combat as you go up against oversized Nazi robots, hulking Super Soldiers and elite shock troops - all rendered in stunning detail with the id Tech 5 engine
The Action: Wildenstein's breath-taking set pieces feature intense mountain-top car chases, underwater exploration, player-controlled Nazi war machines, and much more - all combined to create an exhilarating action-adventure experience
The Arsenal: Collect ultra-advanced Nazi-tech Break into secret research facilities and heavily guarded weapon stashes to upgrade your tools of destruction
The Adventure: Hi-octane action and thrilling adventure weaved together into a tightly paced, super immersive game narrative


g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OM729CY

The book covers hacking scenarios ranging from the merely mischievous to the criminal, the super hacker known as the Knightmare gives step-by-step instructions in meaningful hacking from a personal computer.

"Secrets of a Super Hacker is a fascinating hacker cookbook that reveals the ease of
penetrating even the most stalwart computer system."


Black Book of Viruses and Hacking
http://www.amazon.com/dp/B00OKRD7UY/

This is the first in a series of three books about computer
viruses. In these volumes I want to challenge you to think in new
ways about viruses, and break down false concepts and wrong ways
of thinking, and go on from there to discuss the relevance of
computer viruses in todays world. These books are not a call to a
witch hunt, or manuals for protecting yourself from viruses. On the
contrary, they will teach you how to design viruses, deploy them,
and make them better. All three volumes are full of source code for
viruses, including both new and well known varieties.
It is inevitable that these books will offend some people.
In fact, I hope they do. They need to. I am convinced that computer
viruses are not evil and that programmers have a right to create
them, posses them and experiment with them. That kind of a stand
is going to offend a lot of people, no matter how it is presented.
Even a purely technical treatment of viruses which simply discussed
how to write them and provided some examples would be
offensive. The mere thought of a million well armed hackers out
there is enough to drive some bureaucrats mad. These books go
beyond a technical treatment, though, to defend the idea that viruses
can be useful, interesting, and just plain fun. That is bound to prove
even more offensive. Still, the truth is the truth, and it needs to be
spoken, even if it is offensive. Morals and ethics cannot be determined
by a majority vote, any more than they can be determined
by the barrel of a gun or a loud mouth. Might does not make right.



Hacking into Linux
http://www.amazon.com/gp/product/B00O49TVOO

Till now almost all Hacking Truths manuals have been Windows centric. However, with the growing popularity of Linux and the fact that Linux is considered to be the Hackers OS, the book "Hacking into Linux" makes you hack any linux system completely!




also free

Internet Traps, Rip-Offs And Pitfalls: Understanding Online Security
http://www.amazon.com/dp/B00M0EWTEY/

YOU ARE IN DANGER

If you use the Internet at home, whether for work or play, you are wide open to serious exploitation unless you take specific measures to protect yourself. Nothing may happen this week, this month, next month, or even in the next year but, as sure as eggs are eggs, it is only a matter of time before you will find yourself under attack. "But I have anti-virus protection already", you might say. Sorry to disillusion you but, although that's good, it's only a small part of the protection you need.

THERE IS MORE TO ONLINE SECURITY THAN JUST AN ANTI-VIRUS PROGRAM!

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

If you are new to the Internet (or perhaps even if you're not so new), you will pick up many useful Internet security tips from this ebook. It is deliberately written in plain English for the 'not so technically minded' and is all about how to get the most out of being online at the same time as guarding against its many dangers.

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

If you are a parent with children who use the Internet at home, at the library or at a friend's house (especially where they might access it unsupervised), it is your duty to have at least the level of understanding that this ebook provides, in order to properly advise them. Internet safety for kids is mostly a matter of advising them what not to do online.

Tech-speak really cannot be avoided but this book includes a comprehensive Glossary Of Terms too, which lists and explains nearly 500 common acronyms and other snippets of jargon peculiar to the world of IT and marketing. In other words, Internet Traps, Rip-offs And Pitfalls (ITRAPS) covers Internet security for those with limited technical know-how as well as Internet security for beginners.

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
g: 0 Posted By: Gergor
Views: 86 Replies: 1 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
g: 0 Posted By: Gergor
Views: 27 Replies: 0 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
4 Free Kindle Books--Diet, Herbal Living, Lifestyle, etc.
Added on : Saturday October 18th 2014 07:00:10 PM
g: 0 Posted By: sarahturtle
Views: 195 Replies: 0 Here are some highly rated to fairly highly rated Kindle books.

Clean Food Diet: Avoid Processed Food and Eat Clean:

http://www.amazon.com/Clean-Food-Diet-Vegetarian-Collection-eboo...eating improves your health, it boosts your immune system, it helps you think better, it makes your skin look better, it makes your hair shine, and your tummy feel much better as well. And all with just a few simple lifestyle changes! Not in a month or two, but now! Now is the time for that change, now is the time to feel better;do this for yourself and be grateful for it!Clean eating is a challenge, given the amount of processed foods you can find on the market. It sounds harder than it actually is, and once you get started and taste real, clean food and get to testify to its benefits later on, theres nothing stopping you.Every single food we buy at the supermarket has at least one additive to preserve it better, to make it look better, or to taste better. But luckily in the last few years, you can see that many people have stopped eating whatever, whenever and began to become more interested in where their food comes from, how it is being produced, what it contains, and what health benefits it has. This has led to a movement that is trending more and more calledclean eating.

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

http://www.amazon.com/Herbal-Remedies-Complete-Natural-Medicine-...

This book is the ideal guide for the beginner delving into the herbal lifestyle. It not only provides simple, time-honored remedies for various ailments, but also unassuming herbal preparations that can be used on a daily basis for a healthy lifestyle. Herbs that are easily available, preparations that can be created at home and remedies that are suitable for everyone in your family; this book has something for everybody.
My aim with this book is to provide you with a simple and easy-to-understand guide that will maneuver you through the confusing and sometimes misunderstood world of herbal remedies. A bonus chapter towards the end of the book will help you put together your own herbal first aid kit that is guaranteed to become an irreplaceable part of your household soon.

Sugar Free Diet: The Greatest Collection of Low Carb, Low Sugar Recipes that Taste Amazing

http://www.amazon.com/Sugar-Free-Diet-Greatest-Collection-ebook/...


Today more than ever, we are faced with a dizzyingly wide array of unhealthy food choices that are much more convenient to eat than whole and healthy ones. Were talking about highly processed high calorie, high-sugar and high-simple carbs that increase our risks for developing Type 2 diabetes and other related sicknesses. So what are we to do?

DOWNLOAD YOUR COPY of this e-book now and learn how to make your own:

Sugar-Free And Low Carb Breakfast Treats Like Cheesy Pancakes And Spicy Tuna Omelets
Sugar-Free And Low-Carb Lunch Feasts Like Steamed Chicken In Sesame Oil And A Healthier And Lower-Carb Content Rice Substitute, The Cauli-Flower Rice
Sugar-Free And Low-Carb Dinner Pleasures Like Shroom Burgers And Nutty Sprouts
Sugar-Free And Low-Carb Desserts Like The Low-Carb Cheesecakes And Chia Pudding Treat

The Acid Reflux Cookbook

http://www.amazon.com/Acid-Reflux-Cookbook-Linda-Horton-ebook/dp...reflux disease is actually a more serious form of gas streets of deal reflux, which is more commonly known as acid reflux. Acid reflux occurs when your lower esophageal sphincter opens up all of a sudden, and stomach acid rises up into your esophagus. This can happen for a very long time ranging from a couple seconds to a few minutes and can leave your throat in much pain for quite some time. Acid reflux is also called acid regurgitation because digestive juices are the acids, which rise up into your esophagus. Fight acid reflux and GERD with these 40 recipes which your taste buds will love, and so will your stomach.

Totally Free Deals
Free Kindle Books--Diet, Herbal Living, Lifestyle, etc.
Added on : Saturday October 18th 2014 05:00:11 PM
g: 0 Posted By: sarahturtle
Views: 78 Replies: 0 Here are some highly rated to fairly highly rated Kindle books.

Clean Food Diet: Avoid Processed Food and Eat Clean:

http://www.amazon.com/Clean-Food-Diet-Vegetarian-Collection-eboo...eating improves your health, it boosts your immune system, it helps you think better, it makes your skin look better, it makes your hair shine, and your tummy feel much better as well. And all with just a few simple lifestyle changes! Not in a month or two, but now! Now is the time for that change, now is the time to feel better;do this for yourself and be grateful for it!Clean eating is a challenge, given the amount of processed foods you can find on the market. It sounds harder than it actually is, and once you get started and taste real, clean food and get to testify to its benefits later on, theres nothing stopping you.Every single food we buy at the supermarket has at least one additive to preserve it better, to make it look better, or to taste better. But luckily in the last few years, you can see that many people have stopped eating whatever, whenever and began to become more interested in where their food comes from, how it is being produced, what it contains, and what health benefits it has. This has led to a movement that is trending more and more calledclean eating.

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

http://www.amazon.com/Herbal-Remedies-Complete-Natural-Medicine-...


This book is the ideal guide for the beginner delving into the herbal lifestyle. It not only provides simple, time-honored remedies for various ailments, but also unassuming herbal preparations that can be used on a daily basis for a healthy lifestyle. Herbs that are easily available, preparations that can be created at home and remedies that are suitable for everyone in your family; this book has something for everybody.
My aim with this book is to provide you with a simple and easy-to-understand guide that will maneuver you through the confusing and sometimes misunderstood world of herbal remedies. A bonus chapter towards the end of the book will help you put together your own herbal first aid kit that is guaranteed to become an irreplaceable part of your household soon.

Sugar Free Diet: The Greatest Collection of Low Carb, Low Sugar Recipes that Taste Amazing

http://www.amazon.com/Sugar-Free-Diet-Greatest-Collection-ebook/...


Today more than ever, we are faced with a dizzyingly wide array of unhealthy food choices that are much more convenient to eat than whole and healthy ones. Were talking about highly processed high calorie, high-sugar and high-simple carbs that increase our risks for developing Type 2 diabetes and other related sicknesses. So what are we to do?

DOWNLOAD YOUR COPY of this e-book now and learn how to make your own:

Sugar-Free And Low Carb Breakfast Treats Like Cheesy Pancakes And Spicy Tuna Omelets
Sugar-Free And Low-Carb Lunch Feasts Like Steamed Chicken In Sesame Oil And A Healthier And Lower-Carb Content Rice Substitute, The Cauli-Flower Rice
Sugar-Free And Low-Carb Dinner Pleasures Like Shroom Burgers And Nutty Sprouts
Sugar-Free And Low-Carb Desserts Like The Low-Carb Cheesecakes And Chia Pudding Treat

The Acid Reflux Cookbook

http://www.amazon.com/Acid-Reflux-Cookbook-Linda-Horton-ebook/dp...reflux disease is actually a more serious form of gas streets of deal reflux, which is more commonly known as acid reflux. Acid reflux occurs when your lower esophageal sphincter opens up all of a sudden, and stomach acid rises up into your esophagus. This can happen for a very long time ranging from a couple seconds to a few minutes and can leave your throat in much pain for quite some time. Acid reflux is also called acid regurgitation because digestive juices are the acids, which rise up into your esophagus. Fight acid reflux and GERD with these 40 recipes which your taste buds will love, and so will your stomach.

Totally Free Deals
g: 0 Posted By: h2oefx
Views: 170 Replies: 0 Linky

Product DescriptionCapacity: 32GbToshiba FlashAir II 32GB Wireless SD Memory CardWant to share photos anytime, anywherewithout the hassle of pulling the memory card from your camera? The FlashAir II Wireless SD Card is your ticket to ultimate convenience, letting you share your lifes moments with others wirelessly and instantly, right from a tablet, PC or smartphone. Like all SD cards, the FlashAir II holds lots of pictures, videos and filesnow with capacity up to 32GB. Yet the FlashAir II is so much more than a simple storage device. By creating its own wireless LAN access point, the FlashAir II lets your friends and family view pictures on your camera through a browser on your PC, smartphone or tablet, quickly, easily and securely. They can download them, too. All they need is a wireless LAN connectionno special driver, software, cables or even an Internet connection. Built to last thanks to Toshiba innovation, the FlashAir II Wireless SD Card is guaranteed to make sharing photos and videos more fun and social than ever.Amazing Wireless ConvenienceIn the old days, you had to pull an SD card from your camera and upload pictures to a PC in order to share them. Not anymore. The FlashAir II Wireless SD Card includes a wireless LAN chip plus an antenna that makes it accessible to any WLAN-capable PC, smartphone or tablet. Its internet pass-through feature allows you to access the card and the internet at the same time. Thats great news for those who want to upload and share photos of kids soccer games or stunning tropical sunsets just seconds after they happen.Faster and Roomier Than EverNow enhanced with Class 10 speed, FlashAir II Wireless SD Card enables super-fast data transfers so you can upload your images and videos within seconds. It also offers higher storage capacitieseither 16 GB or 32 GBso youve got plenty of room for photos and memories galore.Easy as Can BeThe FlashAir II Wireless SD Card is ultra easy to useand compatible with most digital cameras. Forget about special drivers, software or carrying cables just for data transfer. Simply slide the card into your digital camera or camcorder. Its built-in wireless LAN access point requires no Internet connection to share pictures on devices or social networksjust your excitement.All-Access. All at Once.The FlashAir II Wireless SD Card support simultaneous access from up to seven devices. So you can take photos with your digital camera and they can instantly be accessed and stored on multiple PCs, Macs, Ultrabooks, tablets or smartphonesall at the same time. Best yet, no internet connection is required to access them. So as soon as your images are uploaded, your friends can take a look. And a free FlashAir app makes it easy to share with iOS and Android devices.
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g: 0 Posted By: DiMAn0684
Views: 73 Replies: 0 I've been with my current insurance company (Plymouth Rock) for 3 yrs now and just got renewal documentation with new premium going up by 30% (no accidents / violations in the past 6 yrs). The cost increase was pretty disappointing so I decided to see how much a similar policy would cost with other insurance providers. So far I have tried getting quotes from three other companies (Geico / Progressive / Metlife) but all of them had property damage liability of $100k max available through their online tools. My current policy goes up to $250k and I'd like to either stick with that amount or go higher. Any ideas on why other insurance companies have such low limits and if there're any ways to increase them? Thank you!
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Toshiba FlashAir 8GB Wireless Flash Memory SD Card $14.99 at Newegg
Added on : Saturday October 18th 2014 07:00:14 AM
g: 0 Posted By: BullishDad
Views: 207 Replies: 0 Toshiba 8gb FlashAir at Newegg

CodeEMCWPWB35 reduces cost to $14.99.

I'm thinking of buying this for my Fuji point and shoot camera. Much cheaper than Eye-fi. If anyone has experience with this card, please chime in.

Link to Amazon with reviews



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Newegg Coupons
g: 0 Posted By: remick
Views: 108 Replies: 0 http://www.amazon.com/gp/product/B00F2C9KIE

"DEFINITELY amongst the 10 BEST adventure games of ALL TIME" - ACG (Adventure Classic Gaming)

There are some things that kids just shouldn't have to put up with. Being transported to some weird dimension full of goblins, dwarves, swamplings, stupid wizards and sleeping giants is definitely one of them.
After escaping a "welcoming party", Simon discovers that he has been brought on a quest to rescue the wizard Calypso from the evil sorcerer Sordid.

In the last 20 years, the 'Simon the Sorcerer' game series has made millions of players fall in love with Simon.
Now you can relive the renowned original adventure in a whole new way, exclusively on Android!

'Simon The Sorcerer: 20th Anniversary Edition' features:

- Totally new, much praised, game play controls that were built from the ground up for touch-screens.
* Hotspot based - no more pixel hunting!
* All-new slick icons and animations.
* For more details, please see our tutorial video: http://www.youtube.com/watch?v=JFp03nw_yyA&hd=1

- New game menus and save/load system

- Remastered stereo music

- A stunning new HD graphic mode that upscales the game beautifully to high-resolutions

- Optional retro settings: play with original graphics, original music and even the original controls (mouse pointer)

- Multiple languages (ALL included without additional payment):
Full English speech, with the option for adding subtitles in English, Spanish, French, Italian and Hebrew
Full German speech or subtitles-only

- GREAT PURCHASE! The best and most affordable way to experience this timeless classic
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g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/gp/product/B00F2C9KIE

"DEFINITELY amongst the 10 BEST adventure games of ALL TIME" - ACG (Adventure Classic Gaming)

There are some things that kids just shouldn't have to put up with. Being transported to some weird dimension full of goblins, dwarves, swamplings, stupid wizards and sleeping giants is definitely one of them.
After escaping a "welcoming party", Simon discovers that he has been brought on a quest to rescue the wizard Calypso from the evil sorcerer Sordid.

In the last 20 years, the 'Simon the Sorcerer' game series has made millions of players fall in love with Simon.
Now you can relive the renowned original adventure in a whole new way, exclusively on Android!

'Simon The Sorcerer: 20th Anniversary Edition' features:

- Totally new, much praised, game play controls that were built from the ground up for touch-screens.
* Hotspot based - no more pixel hunting!
* All-new slick icons and animations.
* For more details, please see our tutorial video: http://www.youtube.com/watch?v=JFp03nw_yyA&hd=1

- New game menus and save/load system

- Remastered stereo music

- A stunning new HD graphic mode that upscales the game beautifully to high-resolutions

- Optional retro settings: play with original graphics, original music and even the original controls (mouse pointer)

- Multiple languages (ALL included without additional payment):
Full English speech, with the option for adding subtitles in English, Spanish, French, Italian and Hebrew
Full German speech or subtitles-only

- GREAT PURCHASE! The best and most affordable way to experience this timeless classic
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 linked http://www.qvc.com Item # F10965
Zumba Fitness Exhilarate Workout w/Zumba Cookbook& SHAPE Subscription QVC Price: $103.00 Clearance Price: $49.74 Available for 6 Easy PaymentsWorking out doesn't have to be work. Get fit while having fun in the comfort of your own home, courtesy of this ZUMBA(R) Exhilarate system. ZUMBA is the exercise craze that's revolutionizing at-home fitness with its combination of raw energy and cutting-edge design, lights, and sounds. The Exhilarate system constantly challenges you as you progress from level to level--so you'll never grow bored of the same old routine.

Move to the music and get in shape! Follow along with the Exhilarate DVD set and rock out to the Nations Fitness concert, a celebration of the ZUMBA experience that travels the globe, from Belgium to Bangkok. Join the crowd and dance like nobody's watching. With a workout that's this much fun, you'll actually look forward to your daily workout!

Get cooking with healthy recipes that are just as zesty as the workout. Containing contributions from fans around the world, the first ZUMBA cookbook also includes inspirational stories, as well as a quote from David Venable, QVC's own resident foodie. Adopting a healthier lifestyle has never tasted so good.

Always remember: if you're having fun, you're doing it right!

From ZUMBA FITNESS(R).

As always, please consult your personal physician before beginning any diet or exercise program.

Take a realistic approach: If you work consistently and follow the program, you maximize your results.

Includes:

Exhilarate(TM) Body Shaping System: 59-minute Step-by-Step DVD, 41-minute Activate DVD, 59-minute Exhilarate DVD, 86-minute Ripped/Mix DVD
Zumba Fitness Rush DVD (run time 20 minutes)
Nations Fitness-Concert(TM) DVD (run time 76.5 minutes)
Rhythm Revolution Two-CD set (run time 104 minutes)
ZUMBA(R) LOVERS COOKBOOK: paperback; 87 recipes; 157 pages
One (1) pair of 1 lb. Zumba(R) Toning Sticks with Exhilarate(TM) Program Guide
1-year SHAPE(R) magazine subscription offer
DVDs and guide include English/Spanish option
Made in USA

Item #F10993 Most Wished For Zumba Gold Live It Up Fitness Program &Take It To The Dance FloorDVDs QVC Price: $60.00 Clearance Price: $44.94 Available for 3 Easy PaymentsTone your body from head to toe. This fun exercise program gets you groovin' at your own pace. Learn salsa, merengue, flamenco, and cumbia moves; and tone, strengthen, and sculpt your body. But don't stop there. The Take It to The Dance Floor DVDs will teach you and a partner sizzling Latin dance moves. Toning sticks and a program guide help ensure you stay on track. From ZUMBA FITNESS(R).

As always, please consult your personal physician before beginning any diet or exercise program.

Take a realistic approach: If you work consistently and follow the program, you maximize your results.

Includes:

Step-by-Step DVD (run time 39 minutes)
Cardio DVD (run time 46 minutes)
GOLD-Toning DVD (run time 45 minutes)
Merengue Rhythms DVD (run time 58 minutes)
Salsa Rhythms DVD (run time 63 minutes)
Two toning sticks
Healthy Living Guide
Made in USA


g: 0 Posted By: ctgolfer
Views: 173 Replies: 0 use promo code: MPOWOVAL

free shipping with Prime or on $35+

No more clutter in the car: A little tape makes a better user experience than other competitors.
High speed charging: Up to 2.1A output, much higher than other 1A or 0.8A charging port.
Provides hands-free conversations through your car speakers. (Need to connect with 3.5mm audio).
Comes with an extra USB port to charge your cell phones, GPS and other digital devices while driving.
Features high-contrast, easy-to-read display and easy-to-use button controls.

www.amazon.com/dp/product/B00O10PTGA
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Bank of America Accolades American Express Card
Added on : Friday October 17th 2014 08:00:19 AM
g: 0 Posted By: GrandmaS
Views: 96 Replies: 1 Hello,

I got an offer for the Accolades Card last year and I know it's offered through US Trust division. Does anyone know if this is still being offered today? I misplaced all the information on the card and can't remember what the actual offer details were. Any help would be much appreciated. Thank you!
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Tenant Broke Lease/Demanding deposit +back rent for A/C Problem
Added on : Friday October 17th 2014 07:00:16 AM
g: 0 Posted By: TXLandlord
Views: 124 Replies: 6 Tenant signed 6 months lease for a temp place while he was renovating his home. About 40+ days through, he said the A/C broke. I took care of A/C problem within 2-3 days but he kept on complaining about home not cooling enough but A/C guys said there was no issue with A/C unit. The house was full of furniture/stuff from his old house, hardly there was a space to walk around. 2 months through, he continued to complain without staying in the house overnight. I told him to move out early if he's not happy with proper notice but he'll have to forfeit the deposit.
At the end of 3rd month, he vacated the house without giving 30 days notice and asking me to refund deposit+3rd month's back rent when he's living in the house.

Initially I thought of letting him go with the available deposit, but with his demands, I would like to bring him to justice and collect the rent for all 6 months or till the days, the house is rented back again. By contract terms, I took care of issues he reported to me on time but he broke the lease, didn't give 30 days notice.
Please advice on how to proceed and if I hire an lawyer, how much would be lawyer costs in TX?
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g: 0 Posted By: remick
Views: 199 Replies: 0 http://www.amazon.com/gp/product/B00BLVGPRO

4.5 out of 5 stars (44 customer reviews)

You dont have to be perfect to be a man of God. As Dr. Charles Stanley writes, a man of God is a maturing man, a striving man, a knowledgeable man. And the first step in real manhood is spiritual rebirth.

In Man of God, Dr. Stanley asks and answers questions such as these:

What can we learn about manhood from Jesuss example?
How does a true leader allow God to lead him?
Why is a godly man both velvet and steel?
What does it look like to be a provider?
What does it mean to lead with sensitivity?

Man of God will challenge and equip you to become a better leader, teacher, father, and husband. What makes a man? The answer starts here.



also free

Finding God When You Need Him Most
http://www.amazon.com/gp/product/B00B85CLW6
4.7 out of 5 stars (104 customer reviews)

In this encouraging book, Chip Ingram reveals how readers can meet God in the midst of their most difficult circumstances. Chip's candid discussion, personal stories, and solid guidance will allow readers to move from "knowing about God" to profoundly experiencing his presence and power in their lives. Whether they're struggling with rocky relationships, unexpected crises, depression, or injustice, Finding God When You Need Him Most will remind readers that the Lord is faithful to hear their heart's cry and will be there for them, time and again.



Living Free, Like You're 3!
http://www.amazon.com/gp/product/B00ENTJ942
4.6 out of 5 stars (7 customer reviews)

"Unless you change and become like little children, you will never enter the kingdom of heaven. Therefore, whoever humbles himself like this child is the greatest in the kingdom of heaven." - Matthew 18:3-4 (NIV)
In Living Free, Like Youre 3!, Alicia V. Sharpe uses these words from Jesus in Matthew to relate the freedom that three year olds experience to the freedom we adults could live out if we simply held an attitude that resembles young children. She uses this idea and highlights these principles by including scripture and real life stories covering issues such as trust, forgiveness, love, and freedom in Christ, so that we can be real with one anotherall traits that a young child lives out every day.



Swept Up by the Spirit Journey of Transformation
http://www.amazon.com/dp/B008HQWU1G
4.8 out of 5 stars s (58 customer reviews)

The author, Gary Garner, a confident, designer/building contractor of luxury homes becomes overwhelmed by the unprecedented mortgage/ housing crisis of the mid 1970's. Mired in darkness, shackled with debt, depressed and suicidal, with no faith and seemingly no place to turn for help, the Holy Spirit orchestrated an almost unbelievable awakening that would set his family on a most incredible journey- and which launched him on a lifetime evangelical mission.
Swept Up by the Spirit,Journey of Transformation is an account of this journey, relating many of the ways Jesus and the Holy Spirit supernaturally entered into his daily life and the lives of family members and others, intercepted, redirected and empowered them. The book recounts actual events, many in workplace settings, described just as they happened ,telling of a radical transition from worldly choices and near devastation to the Glory of Gods kingdom and the pursuit of His will. The book is filled with that most wonderful discovery of the Holy Spirits presence and redemptive involvement in everyday life, often at the least expected times and places.
Does the Holy Spirit still act powerfully in events and lives of ordinary people- in the very moment? Just like Acts of the Apostles! Join us on this journey and allow the Holy Spirit to lift you to new heights that may astound you.



Rediscovered Early Church PreMillennialism: Teachings of the Earliest Church Fathers on Prophecy
http://www.amazon.com/gp/product/B00N6ETVK2

Finally! What Christians have searched for since the Reformationthe early church premillennial view of prophecy.
Today, all discovered writings of the earliest church fathers have been compiled in the ten-volume collection The Ante-Nicene Fathers, Translations of the Writings of the Fathers Down to A.D. 325. Learn what those who lived closest to Christs disciples taught about:

 The Rapture of the Church
 Signs that Precede Christs Return (are they now unfolding?)
 The Tribulation (they interpreted it differently than today)
 The Antichrist (their insights into this coming evil world leader)
 The Wrath of the Lamb
 Armageddon
 The Millennium
 The New Heaven and New Earth . . . and much more . . .

You will find how simple Bible prophecy is when interpreted as the earliest church fathers knew how to interpret it.



Be Careful What You Ask For
http://www.amazon.com/gp/product/B00E3HESM2/

Reflections on the Lord's Prayer in Luke's Gospel
A series of essays that reflect on the Lord's Prayer as it appears in the gospel of Luke, phrase by phrase. Consideration is given to how the phrases are expanded and explained in the parables and teachings contained in the rest of the gospel. Also considered are the roots of key concepts in the Hebrew scriptures. Ramifications of different phrases in contemporary American society are mulled. Some will laugh, some will frown, some will nod in agreement and some will spit nails. And some may do all of these things. If this provides food for thought and reflection, it has reached its goal. If it provides some nourishment for your journey, it will have been worth the writing.
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Free Kindle Book- The Truly Offal Recipe Book & other cookboooks
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 The Truly Offal Recipe Book: How to Cook the Parts Others Throw Away
http://www.amazon.com/dp/B00OI2UIKS/

Cooking with offal is an exciting, rewarding and CHEAP way to put healthy and hearty meals on the table. In this book Curtis Pritchard has compiled over 45 authentic recipes from around the world showing you how easy and delicious it is to cook beef hearts, lambs brains, chicken livers, calf's testicles and much much more.
These recipes are offal, not AWFUL!!!



MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food
http://www.amazon.com/dp/B00JSY2XNQ
4.8 out of 5 stars (13 customer reviews)

Dine and party like the Drapers on Mad Men -- fondue style.
Thanks to the popular Mad Men series, mid-century dining is in with all its vintage recipes, and that includes the wonderful retro party fondue dinners for yourself and for your friends. If you're a fan, you remember Betty Draper's fondue party. MAD FONDUE: Vintage Fondue Recipes for Fun Retro Dinner Party Food helps you plan your own retro fondue party in mid-century style. Comes with FREE SWEET Fondue recipe bonus gift, too.

From Retro to Modern, Fondue Recipes and Party Ideas
Mad Fondue: Vintage Fondue Recipes for Fun Retro Dinner Party Food is a guide and resource to help you with your classic fondue dining and entertaining. From Betty Crocker's tips for good fondue etiquette to classic vintage fondue recipes to the new retro fondue with a 21st century twist, you'll find all you need to create your own fondue party. Here are some of the things you'll discover:
The fondue ritual; Who created fondue and why; What you need to fondue; Retro fondue party tips; 30 fondue recipes; Classic and traditional fondue recipes; Fondue traditions and etiquette; Fondue preparation and dining tips; Suggestions for fondue dippers and pairings; Zombie Fun and other vintage food and drink; Suggestions for cheese and wine; 'Mad Men' fondue trivia and themed parties; National Fondue Day; Modern twists on classic vintage fondue recipes and more.
Fondue never really goes out of style, because at its heart, it is all about food and people. Now that's a good pairing. Fondue dining offers a wonderful communal food experience. A little wine, a little cheese; how can that not be the setting for a merry meal? Let's have some fun, Mad Fun, with fondue.



Victoria Beckham's Roadkill Cookbook: The thin woman's guide to cooking
http://www.amazon.com/gp/product/B00B0F0LGM/

An extremely useful and much needed cookbook in which Victoria Beckham gives rein to another of her talents. Be it on motorway, freeway, autobahn, autostrade, highway or byway you will never view a dead animal in quite the same way again.



101 Best Soups & Stews: Easy & Delicious Gumbos, Chowders & Chili Recipes
http://www.amazon.com/gp/product/B00BF5XSYY/

There is nothing more warming than sitting down to a good, hot, delicious bowl of soup in the winter. However, soup is not the only thing that can warm you heart and soul, during those gray, windy, snowy days chowder, chili, stews, gumbos and cheesy/creamy soups can also do the trick.
This book contains 101 of the best soup and stew recipes, including the aforementioned other types of soup-like dishes, that you will find in one place. There are a variety of food categories as well, including beef, chicken and turkey, lamb, pork, ham and bean. You will also discover how to make soups and stews with seafood and vegetables, some of which you may not have heard of yet.
This recipe book was designed to bring flavor into your life and happiness to your stomach! Enjoy! Try something new! You never know what your taste buds will thank you for!



$5 Meals Cookbook: 50 Budget Friendly Recipes
http://www.amazon.com/dp/B00ODSH2OW

Stretch that dollar in style without having to sacrifice your favorite meals. This book shows you how to eat healthy on a small budget, whether cooking at college, feeding a family or just trying to live frugally. Its a perfect cookbook for those with a limited budget. The cookbook is loaded with healthy recipes that take extremely little time to prepare and have very few ingredients that are relatively cheap. Most of the ingredients are typical items found in almost every kitchen; there are no exotic spices in the cookbook that you have to go searching for all over the town.
We can't calculate how much it will cost at your store to make these meals but we've included our favorite low cost meals that cost us $5 or less.
About the Author

Nancy F Thomas is a stay-at-home mom who loves to try new recipes. When she finds one, she tries it out, leaving out the ingredients her kids won't eat, of course, and alters it to everyone's liking. She is determined that you will absolutely love more than 50 of these delicious recipes not everyone likes everything! But it is her guarantee that there is something for everyone to enjoy.
Check out the Italian Wedding Soup and Creamy Carrot Soup two of her family's favorites, not to mention the Black Bean Soup and many, many others. As a recipe changer herself, she encourages you to do the same, substituting out any ingredients you don't care for and replacing them with something you love!
Food is love, so from her family to your XOXOXO!



Easy Budget Meals: Meals, Desserts and Entertaining
http://www.amazon.com/dp/B0081QL32Y
4.8 out of 5 stars (6 customer reviews)

I hope you love cooking as much as I do. My strong beliefs are that we are what we eat and fresh healthy food is a requirement for my meals. I am not overly wild about this but I try to make my meals as healthy and tasty as possible. I learned many years ago that "Lots of onion, garlic and herbs maketh a meal."

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g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00G8H2KJS

Human effective IQ needs daily maintenance. Solving Word Scramble puzzles is a fun way of keeping the brain in top operating condition. Word Scramble puzzles are unscrambling word games. All the letters in a word are given, but out of order in ABC sorting. The goal is to unscramble the letters and find the hidden word. Overall Benefits of Solving Word Puzzles Improved Effective IQ The title indicates that these Word Scramble puzzles are designed "To Improve Your IQ." Intelligence Quotient - IQ - is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect - lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Word Scramble, provide the necessary mental activity. Mental Exercise Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.



also free

Pixel Perfect Holiday Puzzles
http://www.amazon.com/Pixel-Perfect-Holiday-Puzzles/dp/B0063GIIK...

Pixel Perfect Holiday Puzzles is a logic puzzle game that challenges you to make a picture from numerical clues.

This sequel to the popular Pixel Perfect Puzzles gives you 50 new holiday and winter themed pictures to reveal. Each clue tells you where to draw a run of consecutive black squares. The clues in a row or column appear in the same order as the runs in the puzzle grid, with at least one empty square between each run. Start with the largest clues first, and then cross out squares that you know should be empty. This will allow you to narrow down the possibilities and logically determine the remaining squares.
The challenges can be tough, but there are 3 hints available on each puzzle to help you out if you get stuck. The game can even find and erase errors at any time. Time, hints used, and errors are tracked for each puzzle. Can you discover every picture?
If you like using logic to solve puzzles, you will love Pixel Perfect Holiday Puzzles!



Lapple+ Puzzle Book #2: 1000 Overlapping Words Puzzles
http://www.amazon.com/gp/product/B00G3ONQL2

Lapple+ puzzle is more challenging version of Lapple puzzle. If you are unfamiliar with lapple/lapple+ puzzles, you may be asking, What is a lapple/lapple+ puzzle? A lapple/lapple+ puzzle is an overLAPPing word puzzle. Each puzzle contains a word overlap from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string KIDNAPKINGDOMESTICATERRORIST, one finds the words KID, KIDNAP, NAPKIN, KING, KINGDOM, DOMESTICATE, CATER, and TERRORIST.
The overall benefits of working lapple puzzles include better memory, faster problem-solving skills, and increased alertness. Lapple puzzles help reinforce logic, critical thinking, and visualization. The mental exercise required to solve the puzzles provided in this book improves working memory.
Whether lapple puzzles are new for you, or you are already a lapple puzzle fan, this book will challenge you with lapple+ puzzles containing 161 letters (lapple puzzles contain 127 letters). Whatever the experience level or age of the solver child, adult, or senior lapple puzzles provide the puzzle solver with an activity that is not only fun, but also mentally challenging. Lapple+ puzzles have the solution words listed below the puzzle with letters reversed (Lapple puzzles have solutions listed in a different section of the book.)
Benefits of Lapple Puzzle Solving
In recent years, scientists have begun to pay more attention to the brain. The human brain is considered extremely complicated in its design and working. However, we know relatively little about how it works. We do know from studies that health benefits are derived from exercising the brain. Our minds, like our bodies, need stimulation and exercise. Working word, number, and logic puzzles provides that exercise for our brains.
Improved Focus and Attention
Puzzles can help your mind form new patterns and complex neural networks naturally. Scientists have found that your brain actually reorganizes itself in response to new challenges, and a lapple puzzle provides such a challenge.
Lapple puzzles also improve focus and attention while solutions are sought. Finding solutions requires a certain amount of solitude without distraction. Concentrated attention is an excellent skill to develop that will aid you in many areas of life.
Increased Mental Stimulation
Lapple puzzles provide you with an activity that is not only fun, but also mentally challenging. Thus, working lapple puzzles can increase your mental stimulation.
Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is derived from measuring problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. Your average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises.
Contrary to popular belief, your brain is capable of growth (effective IQ) and change throughout your life. The daily effective IQ can be increased by various mental activities, among them lapple puzzle solving.
Enhanced Thinking Skills
Adults do not realize while working puzzles that they are using thinking skills. Our brains learn new skills and acquire knowledge throughout our lives. Mastering puzzle-solving skills improves thinking.
Adults have a natural ability to play and be creative with words. Lapple puzzles can enhance and boost creative intelligence. This is a great opportunity improve the brain's overall health and longevity.
Improved Memory

Much has been made of the health benefits of doing brain puzzles. Puzzles require brain exertion (exercise). Therefore, puzzles improve memory and encourage better brain function. This can lead to improved concentration and memory.



What State am I?
http://www.amazon.com/gp/product/B00DNRE71U

This collection of rhyming poems is a fun and easy way to help anyone increase their knowledge of the 50 U.S. states and capitals. Written to help develop and exercise high level, critical thinking skills for children ages 9 years old or older, the book serves as a great educational tool and resource for both teachers and parents. It enhances both the school social studies and reading curriculums.
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g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/gp/product/B008HX75S2

Can you make a professional feature film for little to no money?

Yes!!! But in reality it would take a lot of practice, planning, and know-how. Its certainly possible, though, especially with the quality and affordable cameras available today. The same goes for lighting and sound equipment. In fact, the camera and audio recorder in your phone is good enough to use. (In my last film, I used both the camera and audio recorder from my iPhone when we had an emergency.) However, Id still recommend using equipment better than your phone. After that, all you need is a computer - which is how youll edit and add all the post-production magic. So you really can make a professional film for little to no money. Its not easy, but its possible. You just need to know how to do it.

But even if you know how to do it, theres still one thing left - and it happens to be the most important thing: The script. Whether you have $10 or $10,000,000 - if your script stinks then your film will stink. Guaranteed. So for all aspiring filmmakers out there: Please take your time writing or finding a script, and then take your time fine-tuning it.

I spent far too much money making my first film - something which still ticks me off (I talk about it in the beginning of my book) - but thats exactly how I learned how to PRODUCE - that is, how to get the most out of nothing. Not to get too existentialistic, but I really wish my book had been available before then - it wouldve helped me tremendously and I wouldve saved 90% of what I spent. 90%!!! Thats no joke. Thats why it still ticks me off. I even mightve made a decent film.

Ive read other filmmaking books (a lot, actually) and havent found one that truly walks you through the filmmaking process. Out of all the books Id read before my first film, the one that somewhat helped was Dov Simens From Reel to Deal" - but even that wasnt detailed enough and definitely didn't prepare me for a real film shoot

Film shoots can be stressful. Believe me! Theyre a crazy mixture of time restraints, money issues, equipment malfunctions, schedule coordinating and, finally, art. Thats why you want to know as much as you can before going into it. In my book, I tell you everything. I walk you through every step of filmmaking and let you know what youre in for and how to deal with it.

Theres a lot in the book; like how to write (and format) a great screenplay, how to direct like a pro, how to cast the best actors and get great performances, how to deal with different people and different attitudes on the set, how to choose the right equipment and capture the right shots, how light the set properly, how to best record sound, how to create a slick edit, and much, much more. Theres also over 70 HD photos to help out. The photos make it easy to understand what kind of shots to capture (standard and advanced shot selection), what different lenses look like, basic lighting techniques, storyboarding, etc.

So whether or not youre the next Steven Spielberg this book will teach you everything you need to know to start making high-quality films on a micro-budget, including how to avoid making mistakes. But, jeez, hopefully you ARE the next Steven Spielberg! We could sure use some better movies out there
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g: 0 Posted By: tedhawkins
Views: 19 Replies: 0 BenQ
GP20 Wireless Ultra-Lite LED 700 Lumen Short-Throw WXGA Projector $399.99 + $5 S/H Woot

http://electronics.woot.com/offers/benq-wireless-ultra-lite-led-...

Light and compact at 3.3 pounds, the BenQ
GP20 Ultra-Lite LED Projector is powered by short-throw and LED projection technologies to turn any room in your home into a place for great big family fun!

With the GP20, the Perfect Family Getaway Could Be Found in Just About Any Corner!
Don't let a busy day-to-day schedule get in the way of spending quality time with your family! Light and compact at 1.5kg, the BenQ
GP20 is an Ultra-Lite LED 700 Lumen Projector powered by short-throw projection technology to turn every room of the house into a fun audiovisual retreat instantly. All you need is a meter to get a large 40" picture.

Featuring 720p HD resolution, two built-in 3W speakers powered by SRS surround sound, 3D-ready projection and unparalleled multimedia connectivity, the GP20 is always ready to give you a brilliant high-definition movie up close without the hassle of additional set-ups. So get ready to explore, discover and enjoy unlimited fun possibilities together!

Short-throw Projection Technology
You Get a 40" Picture at a Mere Distance of a Meter

Two Built-in SRS-Powered 3W Speakers
Filling the Room with Surround Sound Intensity

Unparalleled Multimedia Connectivity
With Support for a Variety of Multimedia Formats

Untethered Control with Wireless Display
Enjoy movies at home and invite friends over to watch the big game or get into intense video game action with more freedom than ever. Thanks to Wireless Display functions that allow you to connect to the GP20 via NB, PC or your mobile devices. EZ QPresenter 2.0 for the PC offers wireless connectivity from your PC to the GP20, with the option to extend to a secondary display or project streaming video directly from your PC or NB. Download the easy-to-use iOS EZ QPresenter 2.0 app to an iPhone or iPad and take your presentation materials with you anywhere. Project PDF, MS Office and iWorks documents on the GP20 directly from your mobile devices. The app also offers instant access to your cloud storage with dropbox streaming.

Plug 'N Play, Enjoy Big Screen Fun with Your Android Devices
Now you can share your loved content from your Android devices with your family and friends on a big screen. The GP20 features MHL functionality and allows you to mirror the movie, games from your android devices to the big screen, Also, your device is being charged while you're using it, so the fun never ends.

HDMI Interface
Offering Ultra-Smooth HD-Quality Image Performance

Crisp, Clear Cinematic Picture Quality and Optimal Energy Efficiency with LED Projection Technology
The GP20 utilizes RGB LEDs as the light source to give you incredible, color-rich images with 10000:1 contrast ratio and 100% NTSC color gamut, making photos and movies much more enjoyable. Under the Eco Mode, the GP20 is able to perform up to 30,000 hours without decrease in brightness.

Convenient and Easy to Use with an Exclusively Designed User-Friendly Interface
To ensure a friendly user experience, the GP20 user interface is styled with navigation elements from popular multimedia devices that you are familiar with. There is no need for a user manual when everything is this intuitive.

Auto Blank for Safe Use Around Young Children
Auto Blank is an eye protection feature designed to ensure safe use around young children. It enables the GP20 to detect movements within 8 to 12 inches* in front of the lens and cut off the projection light automatically.
*Effective distance at 8" to 12"; may vary by ambient light levels and the color of reflected objects

Quick Auto Search
With the GP20, there's no need to set the content source manually. Simply plug your devices like SD card, USB drive, etc, and it can search the content source automatically.

Auto Keystone to Correct All Misshaped Image Projections
With the GP20, there's no need to make image adjustments manually. The automatic keystone feature will do all the work for you, turning misshaped images, graphics and charts into a perfect square.



Shipping Note: Eligible for shipping to all 50 states

Warranty: 1 Year BenQ
g: 0 Posted By: priyacg
Views: 199 Replies: 0 10,000 mAh Smart Power Backup Battery with Built-In Solar Panel and Two USB Ports $25 FS at daily steals

https://www.dailysteals.com/p/33741/10-000-mAh-Smart-Power-Backu...

No matter where life takes you, you'll always need power. But unless you own this 10,000 mAh Solar Back Battery, you may not always have it. Plenty of battery packs can hold a charge, but few can hold a candle to 10,000 mAh of power, which is enough to charge most phones 5 times over. And while some battery packs can match this monstrous capacity, even fewer are capable of charging without an electrical outlet. But this battery backup has you covered during power outages and out in the wilderness, because its high-efficiency solar panel can gain and hold a charge using only the power of the sun. Perfect for camping, natural disasters, and more- make sure you have the power you need to keep your phone, tablet, and more on full batery when you need them. ---

Product Features:

Houses an enormously capable 10,000 mAh battery
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2 Rapid-charge output USB ports charge phones faster without overcharging
Charges via power connection or its front-mounted solar panel
Solar charging and high capacity make this ideal for camping and power outages
High capactiy and rapid charging ports can even charge larger tablets
LED battery indicator lets you know how much charge you have left
Batteries & Chargers Deals
g: 1 Posted By: remick
Views: 118 Replies: 0 http://www.amazon.com/dp/B00EPFSXV4

5.0 out of 5 stars (21 customer reviews)

>>> A user friendly guide to buy a franchise
This book is a user friendly guide to assist you in making the best decision when you buy a franchise. Making the best decision is to make sure you have the right information. This franchise guide is an excellent resource to make sure that you will buy a franchise and will know what are the right questions to be asked.

>>> You want to learn everything you can when you buy a franchise!
As a prospective franchisee, your intention is to acquire a specific franchise opportunity. You're not buying franchising in general - you're investing in a specific name or brand. You want to learn everything you can about the specific company you intend to buy, including: How many of the company's franchisees - succeed? are satisfied with the franchisor? earn at least $150,000 a year?

>>> A logical system about investing in a franchise opportunity
The book includes a series of checkpoints that anyone can use to explore and evaluate franchise opportunities. If you enjoy following a plan that will help you gather information so that you can make an educated decision, then you will love this book. This franchise guide presents a logical system that's designed to help people make important decisions about investing in a franchise opportunity. Each of the checkpoints introduces an important idea, concept, or suggestion about franchising. Collectively, these are the points you need to consider before investing in a franchise.

"Buy 'Hot' Franchises Without Getting Burned" will help you:
Understand what franchising is all about before investing your money.
Evaluate the pros and cons of becoming a franchisee.
Get free assistance from a variety of resources.
Know how to investigate franchise opportunities that appeal to you.
Read and understand the Franchise Disclosure Document
Protect yourself by knowing your rights as a prospective franchise.
Get a list of franchisees to call and visit before you invest.
Make sense of the initial franchise fee.
Understand franchise fees, including the royalty and marketing fees.
And much much more...

Most Helpful Reader Reviews
"This book is like a road map that every potential franchisee should follow." - Donna Karlsons
"Don't consider any franchise until you have worked through the checklist in this book! John Hayes explains clearly what you must know to make a good decision about investing in a franchise." - Adam J. Savage
"The author takes a realistic look at all the things that should be considered when buying a franchise and puts them in proper perspective." - mswtex
"No one should buy a franchise before reading this book! Dr. Hayes presents the fundamentals of franchising in Cliffs Note version with all the right questions to ask" - Mark Huckins
Totally Free Deals
Alesis iO Hub 2-Channel USB Audio Interface $49 Fs @ MF
Added on : Tuesday October 14th 2014 04:00:06 AM
g: 0 Posted By: tedhawkins
Views: 124 Replies: 0 Alesis iO Hub 2-Channel USB Audio Interface $49 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Alesis iO Hub is a professional two-channel audio interface that empowers you to create anywhere. Made for traveling musicians and mobile producers, iO Hub enables you to record, lay down, and mix musical ideas with your Mac and PC whenever inspiration strikes. Its compact, portable design fits in your gig or laptop bag and leaves an ultra-small footprint in any recording or performing setup. Plus, a single USB connection provides power to iO Hub and plug-and-play connectivity; no power supply or additional drivers required. iO Hub can also connect to your iPad and other devices with the Apple iPad Camera Connection Kit (sold separately) for even more recording-platform flexibility.

Versatile Inputs
With two XLR+1/4" combo inputs, iO Hub can accommodate nearly any audio source: connect microphones, keyboards, guitars, basses, and much more to start crafting your song. Channel one features selectable 48v phantom power for tracking with condenser microphones, and channel two provides an additional switch that allows a guitar or bass to be connected directly to iO Hub.

Mix and Monitor
iO Hub supports stereo playback from your computer for professional mixing and monitoring. Connect its two 1/4" outputs directly to your active monitor speakers, amplifier, PA system, and use the direct switch for zero-latency monitoring of the input signal ideal during session tracking, when adding overdubs, or laying down additional tracks. A stereo headphone output with a dedicated volume knob is also onboard for private recording and late-night mixing. Finally, a main-level control allows you to adjust the global volume, so you can mix and record at the optimal sound level.
Features

Portable 2-channel audio interface
Phantom power for use with condenser microphones
Guitar/Line level switch for use with a guitar or bass
Direct switch for zero-latency input monitoring
Easily connects to your Mac or PC
Headphone output with dedicated volume control
Compact modern design with chrome accents
USB-powered; no power supply required
This product is class compliant; it does not require drivers

Includes:

iO HUB interface
USB cable
User guide
Safety and warranty manual


Electronics Deals

Musician's Friend Coupons
g: 0 Posted By: ctgolfer
Views: 7 Replies: 0 use promo code: LEPOW199

free shipping with Prime or on $35+

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


www.amazon.com/dp/B00DWKK6PE/
Lepow Deals

Amazon Coupons
Fiskars X7 14 Inch Hatchet - $17.49 on Amazon
Added on : Sunday October 12th 2014 04:00:04 PM
g: 1 Posted By: jrtang
Views: 231 Replies: 0 Fiskars X7 14 Inch Hatchet

Easy-to-carry hatchet is perfect for hikers and outdoor enthusiasts who chop kindling and small- to medium-sized logs
Chops up to three times deeper than a traditional axe to chop more efficiently
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won;t break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

MSRP: $29.99, but usually about $25 on Amazon

Free shipping with prime or $35+

http://www.amazon.com/Fiskars-X7-Inch-Hatchet-78506935/dp/B0002Y...
Tools Deals

Amazon Coupons
Free - Bob Proctor's "The Success Puzzle" Program (was $195.00)
Added on : Sunday October 12th 2014 07:00:17 AM
g: 3 Posted By: remick
Views: 608 Replies: 1 https://www.facebook.com/OfficialBobProctor/app_680609651976809

Includes six MP3 audio downloadsandworkbook.

In order to successfully piece a puzzle together, you use the picture on the puzzle box lid as a guide. If you dont have a picture of the puzzle to follow, it is very difficult to complete.
With this Success Puzzle Program, youll be finding, recognizing and putting in place every piece you need to create a much more successful life!
Most people spend their lives on autopilot. They want to be successful in their careers and relationships, yet they arent sure how to get what they want out of life because they dont know how to put the pieces of their life puzzle together.
With this Success Puzzle Program, youll be finding, recognizing and putting in place every piece you need to create a much more successful life!

Solve your own Success Puzzle today and delve into topics like:

Discovering exactly what you want out of life (creating the puzzle box lid, so to speak)
Explore each of the specific elements that make up the Success Puzzle, then begin each and every ones implementation
Eliminate all obstacles blocking the path to your dreams and goals
Study and then implement the most foundational pieces that begin to build your own success picture
Select and prioritize your goals in the most effective way
Add richness and color to your life as you quickly learn how to expand your dream into reality

Success isnt as elusive as it seems Just fill in your information in the form on this page to receive a complimentary copy of Bob Proctors highly sought after Success Puzzle program!

http://www.proctorgallagherinstitute.com/success-puzzle/download
Services Deals
g: 1 Posted By: remick
Views: 212 Replies: 0 https://www.facebook.com/OfficialBobProctor/app_680609651976809

Includes six MP3 audio downloadsandworkbook.

In order to successfully piece a puzzle together, you use the picture on the puzzle box lid as a guide. If you dont have a picture of the puzzle to follow, it is very difficult to complete.
With this Success Puzzle Program, youll be finding, recognizing and putting in place every piece you need to create a much more successful life!
Most people spend their lives on autopilot. They want to be successful in their careers and relationships, yet they arent sure how to get what they want out of life because they dont know how to put the pieces of their life puzzle together.
With this Success Puzzle Program, youll be finding, recognizing and putting in place every piece you need to create a much more successful life!

Solve your own Success Puzzle today and delve into topics like:

Discovering exactly what you want out of life (creating the puzzle box lid, so to speak)
Explore each of the specific elements that make up the Success Puzzle, then begin each and every ones implementation
Eliminate all obstacles blocking the path to your dreams and goals
Study and then implement the most foundational pieces that begin to build your own success picture
Select and prioritize your goals in the most effective way
Add richness and color to your life as you quickly learn how to expand your dream into reality

Success isnt as elusive as it seems Just fill in your information in the form on this page to receive a complimentary copy of Bob Proctors highly sought after Success Puzzle program!
Software Deals
Yamaha CP33 88-Key Stage Piano $849.99 Fs @ MF DOTD (reg $999)
Added on : Sunday October 12th 2014 04:00:03 AM
g: 0 Posted By: tedhawkins
Views: 69 Replies: 1 Yamaha CP33 88-Key Stage Piano $849.99 Fs @ MF DOTD (reg $999)

http://www.musiciansfriend.com/stupid

Product Description

The Yamaha CP33 Stage Piano is a fantastic instrument, especially for its modest price. It boasts 88 weighted keys with graded hammer-effect, 28 voices including 3-layer piano samples, sustain half-pedaling, and two effects processors. It has MIDI in/out and USB for computer connectivity, and 64-voice polyphony.

Made to be played
The authentic piano voices and rich expressiveness of the Yamaha CP series keyboards come alive at your touch, and the sound is big enough to blast through a full band onstageyet nuanced enough to work magic in an intimate club.

Expressive power
Yamaha's extensive experience in crafting fine acoustic pianos was key in creating the ultimate digital pianos. Yamaha's advanced Graded Hammer Effect (GHE) action gives all keys an authentic resistance that increases from the top register to the lowerjust as on an actual acoustic piano. Which means that you can naturally pound out thunderous low notes with your left hand and let the fingers on your right dance and fly with the high notes. This 88-key keyboard practically plays itself, working with younot against youand brings out the very best in your performance.

Sound choice
Crafting the authentic sound of the Yamaha CP-33 keyboard involved extraordinary attention to detail. Yamaha used meticulously recorded stereo samples of top-quality instruments, taken at various playing strengths, and included subtle elements such as Stereo Sustain (open strings while pedaling), and even Key-Off Samples (recordings of felt dampers coming to rest on vibrating piano strings)providing the most authentic-sounding and finely nuanced acoustic piano voices possible. There's also a wide variety of other dynamic sounds, including vintage electric piano, organ, guitar, strings, and much more.

Stay in control
As master keyboard controllers, the CP-33 stage piano lets you take command of your gear. Play and control external synthesizers and tone generators (such as the MOTIF-RACK ES) during your performance. Assign different internal voices to different sections of the keyboard or even create complex, multi-textured layers of sound. There are 2 instrument Zones on the Yamaha CP-33 keyboard, with dedicated Zone sliders on the panel that let you easily tweak the level of each instrument as you play. You can also freely reassign the sliders and wheels to control other sonic characteristics of the connected gear as desired, such as sound attack, decay, brightness, and filter cutoff.

Take center stage
Step out front and make your presence known. The CP-33 piano keyboard has a special Mono Piano sound, complete with a compression effect, designed specifically for live performance. It has the punch and power to stand out, even in full band situations.

Lock it up
Onstage, you need to make sure everything goes smoothly. Sometimes an errant hand (yours or someone else's) can touch the panel controls and change your special settings, giving you a rude surprise in the middle of your performance. The Panel Lock button lets you prevent that, keeping all settings fixed and secure, until you're ready to change them yourself.

A light and compact piano keyboard
Despite its full 88-key keyboard, realistic grand piano sound and extensive features, the Yamaha CP-33 is exceptionally compact, light, and portable. It goes wherever you go, sets up anywhere you need, and gives you complete piano performance everywhere you play.

Pedal to the metal
The Yamaha CP keyboards give you the same pedal control as an actual grand piano. The CP-33 has Sustain Pedal and AUX jacks (which can be configured as Soft or Sostenuto, or even Expression). On certain piano sounds, Sustain can be partially appliedreproducing the "half-damper" effect of slightly muting the resonating strings on a real piano.
Features

88 keys with graded hammer effect weighted action
64-note polyphony (max.)
3-layer piano samples with Dynamic Stereo Sampling
Samples for key-off, sustain pedal, and string resonance
Sustain half-pedaling
28 panel voices
2-zone dual and split voice modes with 2 control sliders
2 effects processors
Pitch bend and modulation wheels
Metronome
48-character LCD display
MIDI in/out
USB for computer connectivity
Headphone jack
Stereo 1/4" outputs
Aux pedal input

Cafe Press $24 off $48+ Expires 10/14/2014
Added on : Sunday October 12th 2014 02:00:02 AM
g: 0 Posted By: selivingstonmba
Views: 94 Replies: 0 cafe press has a code for $24 off $48+ and it expires 10/14/2014. I just placed 2 separate orders last night and it worked great. Shipping was $7 standard, but still, this is a great deal!

Code is:CAJAHR1011

Last year I purchased a very unique shower curtain (http://i1.cpcache.com/product_zoom/697403944/gothic_library_wind... them and got so many compliments on Thanksgiving when I had guests. It looked much better in person and much more vibrant. This year I purchased 2 throws.For those that do not know about them, you should check them out if you are looking for something really unique for your home, etc. From the website:

cafepress is where the world's creative minds join forces to provide an unparalleled marketplace. We give you the power to createcustom productsandpersonalized giftson a variety of high-quality items such ast-shirts,hoodies,posters,bumper stickers andmugs.cafepress also allows you to set up online shops where you can design and sell your own unique merchandise. Our design tools make it easy to add photos, text, images, and even create cool designs or logos from scratch. As if it couldn't get any better, you can even find content from major entertainment partners such asThe Hunger Games,Big Bang TheoryandStar Trek as well as products dedicated tohobbies,birthdays, themilitary andmore. At cafepress we print each item as it's ordered and many products ship within 24 hours.
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Cafe Press Coupons
Walmart family mobile Vs T mobile
Added on : Saturday October 11th 2014 03:00:04 PM
g: 0 Posted By: samandy
Views: 40 Replies: 0 Finally my ATT contract ends this month. I was considering WalMart Family plan unlimited everything.
I am not a huge data users(Always less than 1 gig). Also don't watch videos etc.
So not looking too much speed. In this case d=is WalMart better choice? Does WalMart plan( thru t mobile only) covers international data and text like directly from T mobile?
After ATT unlocks my iPhone 5 will I be able to use same?
Open for suggestions, plans other choices...
Thanks in advance!
Question Deals
g: 0 Posted By: remick
Views: 222 Replies: 3 http://sonypicturesstore.com/product.html?productId=195934

Jay (Jason Segel) and Annie (Cameron Diaz) are a married couple still very much in love, but ten years and two kids have cooled the passion. To get it back, they decide why not? to make a video of themselves trying out every position in THE JOY OF SEX in one three-hour marathon session. It seems like a great idea until they discover that their most private video has gone public. In a panic, they begin a wild night of adventure tracking down leads, roping in friends and duping Annies boss all to reclaim their video, their reputation, their sanity and, most importantly, their marriage.

R
Rating Reason:for strong sexual content, nudity, language and some drug use.
Duration: 94 Minutes
Released:12/31/1969
Studio:Columbia Pictures Industries, Inc.
Movies Deals
Georgia Tech OMS CS - Application Window Open Again!
Added on : Friday October 10th 2014 03:00:05 PM
g: 0 Posted By: idfubar
Views: 0 Replies: 0 Past discussion regarding the same: http://www.fullofdeals.com/forums/finance/1303868/

TheOnline Master of Science in Computer Science (OMS CS) degree programis accepting applications again (until October 26th); anyone else thinking about submitting another application? The only thing one stands to lose is the application fee (and hope, again)... right? Seems like, aside from a thread on something like a "boot camp" there isn't much else as compelling (and accessible) for the same price... MOOCs are still flourishing (and thriving) but a degree program has its obvious advantages...
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/gp/product/B00K6MYQEI

A book of Business and Financial research. Understanding finance from a research perspective is always interesting. Innovative research is used and the book throws light of finance and business correlations with a practicality that can be implemented. It is a way of seeing finance.



also free

Sources of Wealth
http://www.amazon.com/Sources-Wealth-Andrea-Plos-ebook/dp/B00BB8...

This book is a no-nonsense, easy-to-follow guide for everyone who has ever been afraid of finance. In it youll find the tools to help you grow your money and increase your peace of mind, and youll find the confidence to achieve the things youve always dreamed of.
In this book, you will learn about the different types of investmentfrom paper assets to Real Estate, as well as how to assess and manage risk, set achievable goals, and even start your own business. Well meet some successful people and examine the decisions they made that helped them achieve successincluding the skills they developed, which sectors they invested in, and how they approached the opportunities and problems that came their way.
Two of the most vital lessons you will learn are how to approach life with a positive attitude and how to develop the skills to handle whatever challenges come your way with confidence and ease.



Street Smarts The Business of Life: 5 Principles That Will Change Your Life
http://www.amazon.com/Street-Smarts-The-Business-Life-ebook/dp/B...

Would you like to achieve all your goals, become successful and reach your full potentialeither in your current career, a new business venture or simply in your personal life? Do you think about all the changes you need to make in your life and wish for change but arent sure how to get started?
It is possible to reach your goals and attain the success youve always wanted and the steps probably arent as overwhelming or intimidating as you imagine they might be.

Street Smarts contains a series of proven principles and insights Ive gathered through the years I spent living in the streets. These principles helped me go from being homeless to becoming a successful entrepreneur in the digital industry. The good news is, no matter at what point youre at in your own life, you can also make the positive changes you need to become successful. In Street Smarts, I lay out simple principles and insightful ideas and show you how to apply them in your daily life in order to reach your goals.
This book is a simple step-by-step guide with exercises that will encourage you to take action and apply these philosophies to your daily life. By adhering to the following advice, you will be able to accelerate your results, analyze what you are currently doing to see whats working and whats not, and make the necessary changes to live a happier and better quality of life.



Market Yourself to the Top!: A Headhunter's new job-winning "Personal Marketing Portfolio" and "Search Plan" that beats the resume! (Market2top! Book 1)
http://www.amazon.com/Market-Yourself-Top-Headhunters-job-winnin...

Learn the secrets in this book on how to:
Create your very own custom Execufirm Marketing Portfolio / Brand like a
professional.. Graphic Designer
Market your Marketing Portfolio like a. Headhunter
Win the job Interviewing like a. Professional Vendor
"This is much more than just another 'how-to' book on finding a better career.
This method will REVOLUTIONIZE the entire landscape of the American job
market! The Execufirm Marketing Portfolio ushers in a whole new era in personal
marketing."



Productivity Hacks Unleashed: Brilliant Life Hacks To Increase Productivity, Improve Time Management, Save Money And Live A Better Life (FREE BONUS INCLUDED) ... Productivity Hacks, Time Management Book 1)
http://www.amazon.com/Productivity-Hacks-Unleashed-Brilliant-Man...

DISCOVER HOW TO BE MORE PRODUCTIVE, HAVE BETTER TIME MANAGEMENT, SAVE MONEY AND LIVE A MORE AWESOME LIFE WITH PRODUCTIVITY HACKS UNLEASHED!



BizEtiquette
http://www.amazon.com/BizEtiquette-Cassie-Piasecki-ebook/dp/B009...

A Small but Mighty Etiquette Guide for Entrepreneurs, Small Biz Owners, Freelancers, Independent Contractors, and anyone who just wants to be a bit more classy in Biz.
As a lifestyle entrepreneur, I work and socialize with many entrepreneurs, freelancers and independent contractors. I realize everyone is not cut from the same bolt of etiquette cloth that I am. As technology becomes smarter, I have noticed that the lines of good etiquette are blurred even more.
The best way for me, up until now, to teach others about good BizEtiquette was by example. I set the standards of how I ran my biz and hoped a droplet of good etiquette stuck to the people I met. People can argue that you shouldnt worry what others think of you. But in this world, the way it is today, competition is fierce and news travels fast. Id rather ensure that my actions show me as a biz owner with honesty, integrity and a little good karma thrown into the mix than as a haphazard gal with a who gives a s*#t attitude when dealing with customers and vendors.
This little guide is filled with a lot of common sense, some helpful hints and a bit of humor. It is the perfect guide for anyone just starting out in the biz world and those who need to bring the blurred lines of good etiquette into sharp focus.



Master Problem Solving and Decision Making: How to use the power of creative thinking to solve problems and make inspired decisions
http://www.amazon.com/Master-Problem-Solving-Decision-Making-ebo...

This book teaches you a systematic approach to problem solving that it based on Creative Problem Solving strategies.
The book contains three sections:
Section 1 looks at creative thinking which is the key skill required to solve problems effectively. What is creative thinking? How can it be developed? What blocks creativity?
Section 2 takes you step by step through a process that finds creative solutions for all areas of your business or personal life. This is called the Solved Method which is the practical application of creative thought.
Section 3 provides example scenarios that utilise the Solved Method.



Operation Money: A Financial Guide for Military Service Members and Families [Kindle Edition With Audio/Video]
http://www.amazon.com/Operation-Money-Financial-Military-Familie...

"From investing in education and affording a home to choosing the right credit products and adequately saving for retirement, Operation Money offers military-specific advice to achieving financial stability." --Michael E. O'Neill, Chairman, Citigroup Inc., First Lieutenant, U.S. Marine Corps, 1969-1971

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
Books Deals

Amazon Coupons
g: 0 Posted By: brotherhpj
Views: 206 Replies: 0 9 Bin Pocket Organizercomes fully assembled in the box. Simply pops open and pops shut. Great for every room of the house. Great for shoes, sweaters, office supplies, crafts and much more.Sears Link

Might even include a 5%off code that can be used ...SHIPLOADS

Home & Garden Deals

Sears Outlet Coupons
Worx 20V Cordless Grass Trimmer/Edger $99.99 w/FS @ Sears
Added on : Thursday October 09th 2014 11:00:04 PM
g: 0 Posted By: ctgolfer
Views: 183 Replies: 0 The WORX Cordless 20-Volt Lithium Power 2-in1 Trimmer/Edger is a powerful, lightweight, and easy to use yard and garden machine. Convert the trimmer easily to an edger and vise-versa in seconds with no tools. The specially-designed adjustable handle and shaft can accommodate varying working heights for maximum comfort and control. Save time and effort with an easy safety start trigger -- no more pull starting; no more gas/oil mixes; no more exhaust smells; and no tangled cords. Typical trimmer batteries may need to be recharged before using them even if it was charged after the last use. With the Lithium Power battery technology, it resists self-discharge for much longer periods of time, and it has the ability to perform a quick partial charge without worrying about “memory effect” damaging your battery. The Lithium Power battery is lighter in weight and more compact. The rubberized twin-set wheels roll easily to guide along when edging to help maneuver through the edging process. To protect flowers and ornamental objects, there is a adjustable flower guard to keep the trim line at just the right distance from valued objects in landscaping and yard. An automatic single line feed means no bumping to advance the line. With 2 20V Li-ion batteries for longer run time.

www.sears.com/worx-20v-cordless-grass-trimmer-edger/p-0717171400...
Garden Deals

Sears Coupons
Job Related Issues - How to Tackle?
Added on : Thursday October 09th 2014 05:00:04 PM
g: 0 Posted By: WalletFatKing
Views: 154 Replies: 2 Hello Members,

This forum has been very helpful for discovering many thing financially for me, though I have not been a member. Here I am with my own first post. I always appreciate your inputs. Please do not feel I am whining, I am just telling the truth to get some answers.

My Work Place:
-I work for a small sized federal agency as a mid level database dev/admin for their IT department. I am in early 30s.
-Too much nepotism at workplace. Unqualified friends of managers get promoted and gets 80% raises! (Ex: a 70 year old forever Admin Assistant was promoted to Development Architect etc and many more cases like this). No justification! tax dollars man!
- After recession, this year they expanded our department hiring 10 new IT managers which makes- 75% of department of managers, but they always have said no budget for technical folks. (we have 95 people in IT total)
-Built a tedious hierarchy where I have 8 levels to reach to the CIO. Each level manages just only 1 person - they just wanted to promote their friends.
-Our architects are clueless of how IT functions and applications are run in the real world. They just buy services from bad/worst consultants/contractors who are their friends.
-All non manager tech staff are pissed off at this mega mismanagement! but it's government and they are sticking to their job!

Myself:
-They know that I am well qualified and smart, but they try to ignore me a lot! But come to me to get work done!
-My coworker (business analyst) (manager's friend+0 tech knowledge) was promoted to be my manager and created another layer in hierarchy. He manages only 1- Me! lol!
-He does not know much about databases, but now wants to know everything what I do. Asks to be cced in all e-mails and instructs that I have to pass all ideas through him before implementing.
-Sets up meeting every week and asks me to tell him about what I did and teach him to do things. Explicitly tells me that he wants to learn- off course will not give me any credit.
-tech people used to be part of all business meetings before, but now they do not include us techs in business meetings, but just create another meting with just us and them managers and ask us how to do things (no technical folks are included in meetings)
-Not really any manager/mentor at my work place to trust and ask for advise, but just co-workers in the same boat.
-All my co-workers feel this way, so it's just not me.

Compensation:
-Decent compensation ~$95k, with pension plan and healthcare.
-No raises in last 5 years for technical folks- we had to decrease our pay by 7% for mandatory retirement contribution- so net negative salary growth in last 5 years.
-work-life balance is awesome!
-Does not learn much at work as there are strong opposition to best practices, but just shortcuts suggested by bad consultants.
-should I find a job outside, would have to move (uproot wife's career) or be a consultant and travel a lot. We just had a baby!
--------------------------

-What can I do in my situation (more experienced people, please advise)
-Sucking up and staying at work- how do I tackle these problems? specifically when he asks me to teach him and cc him in all e-mails.
-How to stay positive in this environment? - I understand every work place has some politics, but it too much here with no reward.
-I have been in gov IT for 7 years now, is it time to move? I believe I still have not lost my skills!
-What skill sets should I acquire to go up the ladder? like PMP etc??
-Overall IT market is getting outsourced all over- should I change my line of work or get an MBA? scared of student loans and time off with no pay!

Thank you for your inputs.






New User Question Deals
Where can I get the best APY for 5 months?
Added on : Thursday October 09th 2014 10:00:17 AM
g: 0 Posted By: tannerjimmonen
Views: 131 Replies: 2 Hello everyone I have had credit cards for the past few years now.. keeping up with my balance and everything is great!

I've decided that come March of 2015 I want to finance a $25,000 car and put as much down on it as possible and I need some advice.. (I plan to keep this car as long as possible.. I've looked into leasing and I decided purchasing is a better investment.)

My situation:
I will begin saving $500/month starting in November and ending March which should leave me with $2,500.. I will of course be trying to save more than $500 if possible leaving me with hopefully $3,000 for my down payment. + My tax return..

I want to take this money every month and deposit into an account that is gaining interest.. But I do not know where to go or what my best options are.. CD's offer a low return.. especially for only saving 5 months.. and you can forget the .80% APY of your average savings account

My question is.. Where do I put my money for the 5 month period? The higher the APY the better.
Personal Finance Deals
Caverna: The Cave Farmers Board Game $66.51 w/FS @ Amazon
Added on : Thursday October 09th 2014 09:00:07 AM
g: 0 Posted By: ctgolfer
Views: 188 Replies: 0 In this game, you are the bearded leader of a small dwarf family which lives in a little cave in the mountains. Together, you cultivate the forest in front of your cave and dig deeper into the mountain. You furnish the caves as dwellings for your offspring as well as working spaces for small enterprises. It's up to you how much ore you want to mine. You will need it to forge weapons, that allow you to go on expeditions to gain bonus items and actions. While digging through the mountain, you may come across water sources and find ore and ruby mines that help you increase your wealth. Right in front of your cave, you can increase your wealth even further with agriculture: you can cut down the forest to sow fields and fence in pastures to hold your animals. In the end, the player with the most efficiently developed home board will win the game. Play the solo variant of this game to make yourself familiar with the 48 different furnishing tiles for your cave. Components - over 300 wooden pieces for animals, resources and dwarfs - over 60 acrylic nuggets for Ore and Ruby - 16 game boards - 16 punchboards with over 400 pieces - 30 Cards - 1 score sheet - 1 rulebook - 1 appendix.

www.amazon.com/MayFair-Games-MFG-3501-Caverna/dp/B00G3FV2TO
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g: 0 Posted By: remick
Views: 153 Replies: 0 http://www.amazon.com/gp/product/B00CXDZRKK

4.6 out of 5 stars (16 customer reviews)

What Promises Can You Believe?
In The Promises of God, Dr. R. C. Sproul shows how Godthe one true Promise Keeperalways keeps His promises. Drawing from his expansive theological background, Dr. Sproul addresses questions such as these:
How do we know that God will fulfill His promises to us?
What can we learn about Gods faithfulness as we wait for His promises to be fulfilled?
What was the agreement God the Father had with Jesus before the beginning of the world?
What does Gods covenant with Adam mean for us today?
What common covenant do atheists and other non-Christians participate in with God?
What does Gods covenant have to do with His forgiveness of our sins today?
Why did Jesus have to die to complete Gods covenant with us?

Gods promises throughout history are the foundation for your relationship with Him. Here you will see how and why He keeps His promises to you, from now through eternity.



The Precipice: When Everything We Know Ends
http://www.amazon.com/gp/product/B00JCHQSBW/
4.7 out of 5 stars (29 customer reviews)

Scan the headlines of any news outlet and it doesnt take long to realize the world as we know it is teetering on the edge of extinction. What will it look like if it falls? This book is divided into three short stories designed to give you a glimpse into the possible outcomes if humanity falls over the cliff. Each story paints a vivid picture of an out-of-control oppressive government scrambling to maintain order. These end times futuristic scenarios may seem absurd until they are compared with modern events that clearly show the world is closer to the precipice than we care to admit.
Each story is followed by a series of Discussion Questions that will challenge readers to ponder what they would do in similar situations of religious persecution. These questions should help readers identify where they stand in Christ, help them determine how much faith they place in modern comforts, and then encourage them to have a healthy fear of an expanding government coupled with a reverent fear of God. The Precipice could easily be used as a Bible Study in a small group setting.
There is much debate regarding the mix of politics and religion. Despite whether you believe they are intrinsically entwined or as unalterably distinct as oil and water, this book is for you. Liberty can only be maintained by an educated people willing to face the tough realities currently before us. This book will equip Christians to be Apologetic in an unapologetic way.



On Which Side of the Road Do the Flowers Grow?
http://www.amazon.com/gp/product/B009F15U3C
4.5 out of 5 stars (217 customer reviews)

Synopsis: During his years pastoring an inner-city church, Wendell Mettey discovered that God uses even the most blemished vessels to bring beauty into the world. In On Which Side of the Road Do the Flowers Grow?, Pastor Mettey shares the humorous and touching stories of his diverse congregation ordinary people whose lives were infused with an awareness of God's real and abundant grace.
On Which Side of the Road Do the Flowers Grow? is an excellent text for use in a small group or study class. The story-chapters provide a comprehensive, close-ended format for each session. Study guides are available to be used in conjunction with the book.


Raising Kids with Character That Lasts
http://www.amazon.com/gp/product/B004EPYQ1G

Poise your children for a life of success
Strong character that stands the test of time and circumstances does not develop automatically in children. It happens each day, a little bit at a time. Raising Kids with Character That Lasts shows you how to set and achieve the goals necessary for developing eight essential character traits in your children:

integrity
faith
a teachable spirit
a servant's heart
self-discipline
joy
compassion
courage



Straight Talk to Christian Singles: Moving from "Hi, how are you?" to "Yes, I do"
http://www.amazon.com/gp/product/B00MYS1DZ2
5.0 out of 5 stars (6 customer reviews)

If youre like many singles in the church today, youve probably followed the advice of spiritual leaders, dating gurus, or friends. Youve read the standard dating books, listened to the relationship talks, and attended the Christian meet-up events. Yet, perhaps youre still longing for God, an angel, or just someone whos been there before you, to cut through the cultural dating propaganda and give you straight answers to your tough questions. The author and his fun, insightful contributors will do just that. Join these wise Christian leaders and relationship veterans on their inspiring journey through Straight Talk to Christian Singles.
In this book, youll

Receive biblical understandings that will help you find and catch a keeper.
Learn to overcome the obstacles and invisible forces hindering your relational life.
Find some missing keys for Gods relational blessings for you.
Receive insights that put you inside the minds of members of the opposite sex.
Discover mindsets that inspire confidence and help you attract great relationships.
Receive a relational map to guide you through the dating maze to kingdom marriage.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (147 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).



Get Off Your Knees And Do Something: 17 Things To Do After You Pray
http://www.amazon.com/gp/product/B008F15KI8
4.6 out of 5 stars (62 customer reviews)

You want to be a prayer warrior. You want get results. But something isn't working. Even though you've prayed scripture and chosen your words wisely, you still aren't getting results. The words you speak are vitally important. But so is the action that you take afterwards.
We all know, "Faith without works is dead," but we too often forget that activating our faith requires a bit of action on our part. We have to do something.And its important that we do the right things.Quick and easy read. Inspiring pages of inspirational quotes, christian humor, and true personal testimonies. Learn from biblical examples how to pray and declare what God says and then get up and take action. Learn to replace your negative self-talk with positive Faith talk. Declare favor over your life and then get up and take hold of it! This book can be used as a daily devotional. It will help you focus your faith and take action to get results and change your life.
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Bear Grylls sleeping bag clearance at Walmart $25-$39 free ship to store
Added on : Thursday October 09th 2014 07:00:08 AM
g: 0 Posted By: bafuu
Views: 212 Replies: 0 Endeavor Series 30 degrees orange $25and green $25

Native Series 30 degrees $29

Native Series 0 degrees $39

All looks to be decent quality bags that sell for much more even on sale at REI or Amazon

Camping Deals

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Ask for Rebate from Current Realtor?
Added on : Wednesday October 08th 2014 03:00:05 PM
g: 0 Posted By: eferrari377
Views: 130 Replies: 5 My wife and I have bought 11 properties over the past 4 years. We've used the same Realtor for all the properties (he's with ZipRealty) and on most deals ZipRealty has received 2.5% commission as the buyers agent broker.

For the last 5-7 purchases, the agent has done almost no work what so ever since I take care of all the research and communication with lender and title. He's a great guy/realtor, but I do all the online research and know EXACTLY what I'm looking for. He basically just lets me into the house when I want to see a home and we put an offer in on a home 80% of the time when we view a home. I'd say 50% of the offers we make have been accepted. I tell him how much I want to offer and I don't get any special advice from him. So if he shows a home, it's almost guaranteed he's going to get commission very soon. I never waste his time.

I know the whole escrow/closing process, so again, he doesn't do much work.

We'd like to purchase a few more homes in the next 1-2 years but now I'm interested in asking him to split his commission for me since he does almost no work, or consider going to another agent that will give me a kick back. On the last purchase the seller paid ZipRealty $7.6K and did almost no work. I don't even want to know what my agent's hourly rate translated into with the # of hours he actually worked. Has to be in the $500-$700/hr range.

So what % of the total 2.5% commission should I ask for (not sure what his split of the broker commission he gets is, but he's a vet with Zip, so probably high). And if he says no, what is a reasonable amount I can expect from other agents, so I can ask them upfront when searching?

I know SUCKISSTAPLES has mentioned before in a thread that him and other RE investors often get 50-75% kick backs but that was a while ago. Is that still the same case and is that what I should ask for?





Question Deals
2-Pack As Seen On TV Reusable Grill Mats $7.99 w/FS @ Tanga
Added on : Wednesday October 08th 2014 09:00:03 AM
g: 0 Posted By: ctgolfer
Views: 106 Replies: 0 same price as previous BD

Keeps your BBQ and oven clean
SGS & FDA approved
No odor or extra flavor from previous use
Oil and fat-free cooking: Allows you to cook without fat or oil for a much healthier lifestyle
Easy to clean: No need to scrub or scour easy wipe or wash
Your food is tastier, lower in calories and retains all its vitamins
Keeps small food out of the fire
Food still retains BBQ grill marks
A great alternative to aluminum foil
100% reusable
Nonstick, oil-free and fat-free cooking
For temperatures up to 500 (260C)
Easily installs and removes
Mats measure 15.75″ 13″ ( L x W)
What You Get:

2 x As Seen On TV Non-Stick Reusable Grill Mats
Brand New in non-retail bulk packaging
30 day warranty

www.tanga.com/deals/ba1a92293402
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Tanga Coupons
g: 0 Posted By: unit9174
Views: 65 Replies: 1 I am posting this in FWF rather than FWOA because I think there are some financial issues (ex, laws requiring a merchant to refund small value GCs, expiration of GCs, etc)

As most regular FW members know, office supply stores and drugstores occasionally offer 100% back in rewards on purchases. (ex buy batteries at OD for $7.99 and earn $7.99 Worklife Rewards card or purchase a $5 item at Walgreens and earn $5 in Register Rewards)

I am an Amazon Marketplace (and occasional eBay) seller and over time have acquired certain items I should not have bought and was ultimately planning on dumping a good portion (possibly in 0.99 no reserve auctions) but would like to make back as much of what I got put in plus other overhead like storage unit costs.

As some portion is likely to be hard to sell online, one idea I had was to offer (possibly through a flyer distribution in my area) items for sale at original price with 100% back in rewards, possibly subject to social media activity (ex. like us on FB or twitter). That is, i'd prefer to make the original sale in cash and then give a promotional credit similar to Worklife or Register Rewards. It is preferable that original sale takes place directly so buyer would have to pay in cash and can't receive and spend rewards and later file CB on original purchase were I to take Paypal on original purchase.

My concerns are that some states have laws not allowing GCs to expire and allowing people to cash out their gift cards. I am in Texas. Is there any way to doing so could create a nexus in another state (ex. buyer from CA is staying with family here, buys items, receives GC from me, returns home and claims since I provided GC to CA resident and since I offer items for sale with shipping to CA, I must honor CA GC law and refund amount of GC) or even if not any law that would prohibit the GC from expiring if not used or prevent blackout dates, if the buyer were notified before making the purchase? Any other potential legal issues?

BTW, has California Civil Code Section 1749.5 (d)(1) "Gift certificates that are distributed by the issuer to a consumer pursuant to an awards, loyalty, or promotional program without any money or other thing of value being given in exchange for the gift certificate by the consumer." ever been challenged as every loyalty program requires purchases to earn rewards, hence rewards would never be given "without any money or other thing of value being given" to the merchant/operator of the loyalty program?
Discussion Deals
KeyBank $200 for Checking Account - Between 9/29/14 and 12/5/14
Added on : Wednesday October 08th 2014 06:00:13 AM
g: 0 Posted By: iago
Views: 35 Replies: 0 LINK

Open a qualifying KeyBank checking account1 online or in branch and enter offer code ONFT0914 by 12/5/2014 and make at least $1,000 in cumulative direct deposits within 60 days after account opening.

...Can getting $200 really be hassle free? Pretty much. Between 9/29/14 and 12/5/14, you must open a KeyBank Hassle-Free Account or another qualifying KeyBank checking account and make at least $1,000 in cumulative direct deposits within 60 days after account opening. In addition to the KeyBank Hassle-Free Account all other personal checking accounts except the Student Checking Account qualify for this offer. Normal account service charges apply to these other checking accounts. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited into your account within 90 days of meeting requirements. Offer is not available to individuals who have had a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply.2 You must be enrolled in Online Banking and have downloaded the Key Mobile App. Mobile Deposits may only be made using KeyBank's native mobile application, available for iPhone, iPad, and iPod Touch, AndroidTM and Amazon Kindle mobile devices. There is a fee for this service. iPhone, iPad, and iPod, Touch are registered trademarks of Apple Inc. All rights reserved. AndroidTM is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Amazon, Kindle, and Fire are trademarks of Amazon.com, Inc. or its affiliates.MasterCard is a registered trademark of MasterCard International Incorporated.
Deposits Deals
SoCalif Discount code to Get $20 Tickets to Encuentro 2014! Latin Festival
Added on : Wednesday October 08th 2014 06:00:10 AM
g: 0 Posted By: DaysFan
Views: 240 Replies: 0 http://thelatc.org/
514 South Spring St. Los Angeles, CA 90013
Tickets: 866.811.4111 / General: 213.489.0994

http://thelatc.org/encuentro2014/Get $20 Tickets to Encuentro 2014!
Use Promo Code: ENC14 or code: OVATIONFestival Opens on October 10th
Opening Night for Performances is October 16th
Performance days are Thursday through Sundays (check individual show pages for detailed performance info)
Festival Closes on November 12thThrough its poignant and powerful performances, the historic festivals goal is to expose audiences to the complexLatina/o experience with a range of productions that offer something for all. The festival features Pulitzer Prize-winning plays, English and Spanish-language productions, devised theater, experimental work, ensemble-based and solo shows.The most significant gathering of Latina/o theatre artists comes to downtowns historic core! This historic, month-long event is the first national theater festival to bring together: More than 19 theater companies
150 artists from the U.S. and Puerto Rico
17 works that explore the Latina/o experience on stage
2 Pulitzer Prize-winning works
Stories of violence at the border
Pressing immigration concerns
The complexities of romantic relationships and families
Various FREE events
And so much more!



Restaurants & Entertainment Deals
SoCalif Disount code to Get $20 Tickets to Encuentro 2014! Latin
Added on : Wednesday October 08th 2014 05:00:06 AM
g: 0 Posted By: DaysFan
Views: 125 Replies: 0 http://thelatc.org/
514 South Spring St. Los Angeles, CA 90013
Tickets: 866.811.4111 / General: 213.489.0994

http://thelatc.org/encuentro2014/Get $20 Tickets to Encuentro 2014!
Use Promo Code: ENC14 or code: OVATIONFestival Opens on October 10th
Opening Night for Performances is October 16th
Performance days are Thursday through Sundays (check individual show pages for detailed performance info)
Festival Closes on November 12thThrough its poignant and powerful performances, the historic festivals goal is to expose audiences to the complexLatina/o experience with a range of productions that offer something for all. The festival features Pulitzer Prize-winning plays, English and Spanish-language productions, devised theater, experimental work, ensemble-based and solo shows.The most significant gathering of Latina/o theatre artists comes to downtowns historic core! This historic, month-long event is the first national theater festival to bring together: More than 19 theater companies
150 artists from the U.S. and Puerto Rico
17 works that explore the Latina/o experience on stage
2 Pulitzer Prize-winning works
Stories of violence at the border
Pressing immigration concerns
The complexities of romantic relationships and families
Various FREE events
And so much more!



Restaurants & Entertainment Deals
hlep- Apt Managemet wont provide reciepts for work done after moveout
Added on : Tuesday October 07th 2014 06:00:07 PM
g: 0 Posted By: ebestbuy
Views: 58 Replies: 0 I am in Texas.
I moved out of apartment 2 months back. I got the final move out dues 650$( with in 30 days). I had 350$ in security deposits.
Damages they claimed was 2 rounds of pest control and cleaning (around 450$) and 200$ for resurfacing a kitchen counter top.
I contacted them and asked to provide receipts, the manager said she will get them some time(that was a month back). I reminded recentlythat I need receipts to pay the dues.
But she replied saying she don't have and demanded to pay asap or will go to collections.
I googled but did not find much help with receipts. can anyone had experience if theyMUST provide receipts for the workdone after moveout or is it optional in Texas.
thanks in advance.
Question Deals
Buying car at end of lease term - advice needed
Added on : Tuesday October 07th 2014 05:00:09 AM
g: 0 Posted By: peps2004
Views: 63 Replies: 1 Our car lease is ending in a few months and we're planning on buying it for the residual of approx $9k. Prior to leasing this car, we'd only ever bought cars worth k in cash, so both leasing and now buying a car for this amount is new to us.

I therefore want to make sure that we're doing all the right things, hence why I'm seeking help/advice from the FW community. I have a few questions that people here will hopefully be able to help with, plus I'll happily take any other advice or suggestions that people may have about the whole process:

​Auto loan - We're planning on getting a loan for the remaining amount. I've seen PenFed mentioned before as having good rates, so we'll be checking them, but are there any other lenders you'd recommend with good rates? (n.b. credit score is about 770). Is there some kind of comparison site that would list these?
Interest rate - Is it best to apply for several auto loans at the same time to see which will give the best interest rate? I'massuming that a score of 770 won't give us access to the best advertised rates, so don't want to only apply for one if there's a better deal out there, but I also don't want to apply for several if this will cause some kind of problem.
Residual - Will the company we're currently leasing from try to add any fees at the end if we want to buy? I've a feeling that due to our inexperience we didn't get the best possible terms on the lease originally, so want to make sure we don't pay for unnecessary fees at the end of the term.
Fees - What other fees should we be budgeting for? Sales tax? Title fees? How much would these usually be?

Anything else that I'm missing?
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 156 Replies: 0 MOPHIE Juice Pack Plus Battery Case for iPhone 4/4S, Black $69.98 Fs WestMarine (reg $99.99)

http://www.westmarine.com/buy/mophie--juice-pack-plus-battery-ca...

Get added power when you really need it with the juice pack plus for iPhone 4S & 4! The protective, rechargeable battery case provides your iPhone with up to 130% extra battery life - all in an impact-resistant, dual-injected, hard-shell design.

More than double the battery life - Constantly using your iPhone? Rest assured knowing you can spend all day on the road, in the office or around the house without having to worry about a dead battery. This innovative smart battery case adds up to an additional 8 hours of talk time (up to 16 on 2G) 44 hours of audio or 11 hours of video playback.

Added power / Added protection - On a single charge, the mophie juice pack plus provides your iPhone with more than double the time to rock, talk, surf and send, extending battery life by hours. The dual-injected, hard-shell case provides complete protection while the rubberized outer band adds some style and extra cushion if dropped. The juice pack plus is the perfect battery case for weekend travels or business trips.

Dual-injected & impact-resistant - The hard-shell case and rubberized outer band dont interfere with any iPhone features or functionality, because you can easily access all of the controls. In fact, the juice pack plus has integrated volume and sleep/wake buttons for added comfort and protection.

Added features for ease of use - The included micro-USB cable allows you to use your wall plug to charge the juice pack and your iPhone together. You can even sync and download photos and other files when connected to a computer. Lastly, acoustic, sound-enhancing, forward-facing speaker ports amplify and redirect audio toward you rather than down.

Four LED lights on the bottom let you keep tabs on how much power is left in the juice pack plus battery. Also, when plugged in, the LEDs keep you updated on juice pack's charging status.

Power when you need it - The mophie juice pack plus doesn't only protect and provide your iPhone with up to 130% extra battery. A built-in standby switch allows you to choose when you want to use the juice pack battery, which helps maximize the charging potential.

Technical specs:

Compatibility iPhone 4S / 4
Battery capacity 2000 mAh
Warranty 1 Year Warranty
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g: -3 Posted By: ShowMetheMoney23
Views: 90 Replies: 0 www.peakfolio.com/post-tax-return



Investing Deals
Going Without Health Insurance? Feasible Strategy?
Added on : Monday October 06th 2014 06:00:05 PM
g: 0 Posted By: robronson
Views: 1 Replies: 0 I currently pay under $100 for a catastropic plan with $6k deductible that I strategically re-upped in September of 2013 to ensure I'd get coverage through the end of 2014. My insurance company appears to be tripling their rates for the same catastrophic plan in 2015. They probably doubled their rates in 2014 but I "locked in" by getting them in Sep 2013 so I won't feel the full impact of the ACA until January 2015. Of course, my coverage won't be exactly the same. It will now cover pediatric dentistry and substance abuse counseling, both of which I have a less than one in a million chance of needing considering my lifestyle.

I work as a consultant in hospitals and can ask a top physician for medical advice anytime I want, with no copay and no wait, and get a candid answer reserved for friends/family. I also have a background in the field so I know the difference between sick and not sick. Most non-clinical people really don't understand and significantly overuse healthcare. Further, I know what things I'd never submit myself to, such as chemotherapy, and based on my first-hand experience would much rather die than obtain most of so-called "treatments" that most people consider insurance a necessity for.

I keep a $100k medical payment insurance on my car insurance. The riskiest thing I do is drive, and it's the #1 likelihood of me being in a situation that requires expensive medical care that I'm willing to go through.

I have no medical history, take no medications, work out at the gym 4 days a week, eat vegetables, am not obese, and do not smoke cigarettes.

It's my firsthand experience from working at hospitals that insurance is terrible and people have to fight tooth and nail to get things covered. Pre-certification is required for anything expensive. And there's massive waiting periods for insured people because insurance doesn't want to pay for things. So if I needed surgery on something like a torn ACL right now, my insurance might pay in 3 to 6 months. Or I can pay cash out of pocket for the surgery immediately, which is when I need it. It would suck, but I could easily take $50k out of the bank in cash tomorrow to pay for an important surgery if necessary. And if insurance told me to wait 6 months, I'd probably pay out-of-pocket in cash right now to get it done by the best surgeon I can afford, immediately, rather than wait for insurance.

It appears ACA penalties are only collectable out of tax refunds. So, if I only pay enough taxes that I actually owe, and get no refund, then they cannot collect a penalty.

Other than having a patriotic duty to buy health insurance at triple the rate I'd voluntarily purchase it for, what reason is there for me to get health insurance? I'm a serious loss here for why I'd want to buy it.
g: 0 Posted By: tedhawkins
Views: 64 Replies: 0 Ultra Soft Bamboo Towel Set by ExceptionalSheets, White $58.99 Fs Ships from and sold by eLuxury Supply

http://www.amazon.com/dp/B00G3NBN8Q

This ultra-soft and luxurious 6-piece towel set is made from a blend of rayon from bamboo and combed cotton that absorbs moisture with a much softer feel than your ordinary cotton towel. These Bamboo towels also feature antibacterial and hypoallergenic properties and the fabric is woven from 40% renewable bamboo, making them much more Eco-Friendly than many other towels on the market. These bamboo bath linens also resist fading even with frequent washing and will maintain their comfortable and soft to the touch exterior. You will not find a softer or more absorbent towel anywhere on the market. These towels will turn your morning shower into a quick visit to a spa every morning before work.

Includes:

Bath towels measure 30" x 56"
Hand towels measure 16" x 28"
Wash Cloth measure 13" x 13"

Features:

Six-Piece towel set with two bath towels, two hand towels, and two wash cloths
40% Rayon from bamboo and 60% combed cotton
Softer and more absorbent than ordinary cotton towels
Antibacterial and hypoallergenic
Eco-Friendly: Created from renewable resource resulting in smaller carbon footprint
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g: 0 Posted By: tedhawkins
Views: 116 Replies: 0 SUNFORCE 1.8 Watt Solar Battery Maintainer $14.88 Fs to store Westmarine

http://www.westmarine.com/buy/sunforce--1-8-watt-solar-battery-m...

The Sunforce 1.8 Watt Solar Battery Maintainer is the perfect solution for charging the batteries of cars, tractors, fishing boats, motor boats, and much more! Made of durable ABS plastic and amorphous solar cells, this unit charges in all daylight conditions - even on cloudy days. Constructed with a built-in blocking diode to prevent reverse discharge, this solar panel is easy to install and completely maintenance free. Just plug this solar charger into your boat or cars 12V lighter socket and position the panel to pick up the most daylight possible. Or, if you prefer, use the included alligator clamps to connect it directly to the battery, so you can keep your lighter socket open for cell phone chargers or other accessories. Regardless of how you hook up the battery maintainer, you will always be able to start your boat or vehicle! With a maximum temperature range of -40 to 176-degrees Fahrenheit, the solar panel provides 1.8 Watts or 125 mA of power to prevent the natural voltage drain of batteries over time. The complete kit includes a 1.8W solar battery maintainer, suction cups for easy mounting onto windshields, 7.5ft wire, alligator battery clamps and a 12 Volt DC Plug.

Cell Type: Thin film (Amorphous)
Frame Material: ABS plastic
Panel Material: Amorphous silicon
Maintains12 Volt batteries in a fully charged state
Works with cars, boats, trolling motors, and more!
Designed to be indoors (inside your dash or by a window)
Not weatherproof - should be kept dry
Amorphous solar panel works in all daylight conditions-even on cloudy days!
Built-in blocking diode to prevent reverse discharge
Maintenance free and easy to install
Plugs into cigarette lighter with 12V DC plug or directly to 12V battery with included alligator battery clamps
Mounts onto windshield with included suction cups
Temperature Range: -40 to 176 degrees Fahrenheit
120 mAh / 1.8W


Includes:

1.8W solar battery maintainer
Suction cups for easy mounting onto windshields
7.5ft wire connected to solar panel
Alligator battery clamps
12 Volt DC Plug
Dimensions: 6.5"W x 18"H x 1.25"D
Weight: 1.8 lbs


Warranty: 5 year limited



Batteries & Chargers Deals
g: 0 Posted By: anndesikis
Views: 132 Replies: 0 Best buy has this mointor that is 23" with IPS,,,

Best Buy Link

Acer 23" IPS LED HD Monitor with hdmi, dvi-d, vga $129.99 + tax free ship
HD LED with IPS
3 Years warranty

Has great ratings and dont see a ips for this much to many times...


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Best Buy Coupons
Buying new vs used car
Added on : Sunday October 05th 2014 08:00:06 PM
g: 0 Posted By: SaulHudson
Views: 30 Replies: 1 There seems to be a few car buying threads lately, but I don't think this has been covered. Here's the question. Should I buy the a used 2012 vehicle for roughly 14K paid in cash? Or, should I be the new version of that vehicle for roughly 19K at 0% interest for 60 months? I normally would never even consider buying a new car, but at 0% interest... I started to wonder... is it really costing me that much more to buy new?

Some notes:
1) I'd rather not say the vehicle name in case any of the dealer's I've been dealing with are on FW. Yes, I realize that I'm incredibly paranoid.
2) I can afford the new vehicle. I have retirement accounts, 529, savings, and emergency accounts relatively well funded. I normally don't like buying new because of the cost.
3) I like to drive cars forever. So, in Theory, a car that is 2 years newer will give me an extra 2 years on the back end before it bombs.
4) As to what I'd do with the extra cash on hand from the 0% interest, it would probably be a mix of savings (maybe 30%), CDs (10%), and blue chip stocks (60%). These are approximate numbers. If the stock market tanks, I'd put more cash in. Certainly the actions of the market in the last week or so have given me cause to think that it may pay to have additional cash on hand to deploy if this market ever finally tanks.
5) If buying the used car, I'm not sure if could put the car on CC. I believe this is YMMV. If I can, I would use 2% back card.
Question Deals
Used Car Vs Leasing Car
Added on : Saturday October 04th 2014 04:00:08 PM
g: 0 Posted By: coolmind
Views: 80 Replies: 2 I can afford spending 4K to 5K for buying/leasing car.(More interested in leasing)

LEasing: Nissan Versa 2014 model, I got the price of 5215.00 for 36 months, 0 down. (includes everything) + 395.00 disposition fee (this 395 is the reason why I dint sing the deal, deal breaker for me. Bcz the sales guy dint mention that during negotiation. I specifically asked him to give me the total amount i'll pay over the 3 years period, inludin tax title etc etc...)

Buying: I don't know much about car mechanics, so not sure which is good used car vs bad. I already had bad experience buying used vehicle long time back. so spending 5K on used car, and not knowing if it'll last for 3 years without any expense is very less likely to happen to me.

Is there any other car company which can provide cheaper leasing option than versa? I considered checking out Smart Car, but its my last choice.

please suggest your experience.Thanks in advance


Personal Finance Deals
T-Mobile 3 months, service until 1/1/15 $65 @netontherun
Added on : Saturday October 04th 2014 04:00:04 PM
g: 0 Posted By: bellsouth
Views: 268 Replies: 0 ​http://www.mynetontherun.com
T-Mobile SIM, unlimited voice, text and data w/ 1GB of high speed 4G LTE
since it's T-Mobile after 1 GB is used it just slows down- no overage charges
No Activation Fee
Free Shipping
$65 all fees included - give you service until 1/1/15 (3 months)
Renewal is listed at their standard rate of $39
This seems like a loss leader to attract new customers. I can't imagine all that much profit in $22 p/month for T-Mobile service
Cell Phones Deals

T-Mobile Coupons
SwissGear 20'' carry-on spinner luggage $41-51AC+FS @ Bon-Ton.com
Added on : Saturday October 04th 2014 01:00:05 PM
g: 0 Posted By: zysunny
Views: 188 Replies: 0 SwissGear 20'' carry-on spinner luggageBlack/redThe excitement is building as you pack your SwissGear Luggage for a much needed vacation. Easy to navigate through airports and resorts, this quality baggage features telescopic locking handles and multi-directional wheels for smooth maneuvering. This sturdy and attractive collection is made to resist scuffs and tears and stands up to the wear of long trips and rough handling.

Black/Red
20" Spinner: 20" x 14" x 7"
Each sold separately
4-360 spinner wheels
Telescoping locking handle
Scuff and tear-resistant material
Up to 1.5 in extra expandable space
Interior zippered mesh pocket
Adjustable compression straps
Manufacturers 5-year limited warranty
Polyester
Imported

Original: $202.00
Sale: $101.00 -$50 off $100 coupon (ZXCLUSIV14C) = $51 with Shoprunner free shipping.

Blue , Grey or TealAfter much planning, youre finally on your way with the SwissGear Spinner Collection. Each piece features a telescopic locking handle and spinner wheels to save your back and help you get to your next connection smoothly. This durable polyester luggage resists wear and tear and is ideal for the over packer as it expands to provide extra space for a few more souvenirs.

20" Spinner: 21.5" x 14" x 8.5"
4-360 spinner wheels
Telescoping locking handle
Scuff and tear-resistant material
Up to 1.5 in extra expandable space
Manufacturers 5-year limited warranty
Polyester
Imported

Original: $182.00
Sale: $91.00+ a filler -$50 off $100 coupon (ZXCLUSIV14C) = $41+ a filler with Shoprunner free shipping.



Luggage Deals

Bon-Ton Stores Coupons
Mophie iPhone 5 Helium, Silver $39.99 A/C w/FS @ Staples
Added on : Saturday October 04th 2014 10:00:02 AM
g: 0 Posted By: ctgolfer
Views: 13 Replies: 0 use promo code: 86128

FREE SHIPPING, Plus Up To 5% Back For Rewards Members

Rechargeable 1500mAh lithium ion polymer battery and protective case in one.
Provides you nearly twice the batter life of the iPhone 5/5s - Up to 5 hours of talktime on 4G and LET. Up to an additional 6 hours on 3G. Up to 30 hours of additional audio playback. Up to an additional 7 hours of video playback.
Soft touch finish - Sleek poly carbonate ABS materials in a sleek soft touch design.
Quick 1 amp recharging speed.
4 LED Light Status Indicator - Tells you how much "juice" you have left in the case for charging.
USB Charger - Included micro USB cable allows you to charge your iPhone 5/5s and case simultaneously without ever having to remove the iPhone 5 from the case.

www.staples.com/mophie-iPhone-5-Helium-Silver/product_1169363
g: 1 Posted By: ctgolfer
Views: 151 Replies: 1 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
Secured with elastic cords
Durable and lightweight
Weight Capacity: 330 lbs, Chair
Included : 2 (PC) Deluxe Zero Gravity Chairs


www.ebay.com/itm/2-Zero-Gravity-Recliner-Patio-Pool-Folding-Chai...
g: 0 Posted By: ctgolfer
Views: 116 Replies: 0 25% more powerful than the competition with 150 in.-lbs. of torque, while operating at 0 - 500 RPM
30% more run-time than the competition with the ability to drive up to 130 3-in screws
Fuel gauge lets you easily see how much battery life is left
Metal gear housing ensures a greater durability and a longer tool life
Built-in LED light illuminates the work area and makes it easier to see in dark, tight spots
30-minute charger keeps you working with little to no downtime
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


www.ebay.com/itm/Milwaukee-2401-22-12-Volt-Heavy-Duty-Cordless-S...
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 Nikon presents the new version of their mirrorless camera, the white Nikon 1 V2 Mirrorless Digital Camera with 1 NIKKOR VR 10-30mm f/3.5-5.6 Lens Kit. Just like the previous V1, it offers versatility without the bulk and weight of a DSLR--a lightweight, interchangeable-lens digital camera.

The V2 has a new, higher-resolution 14.2MP 13.2 x 8.8mm CMOS sensor. The Advanced Hybrid Autofocus System provides both phase (73-point) and contrast-detection (135-point) autofocus for much faster focusing and shooting at up to 60 frames per second (with AF locked). Without AF locked, maximum continuous shooting speed is 15fps.

The V2 captures stills in JPEG and RAW and video in the MOV format, with H.264/MPEG-4 compression. Integrated tools include a 3.0" LCD display and a 100% view electronic viewfinder, with diopter adjustments. Command and feature buttons make the V2 very easy to use.

Motion Snapshot mode captures a succession of images with just one click. The V2 has impressive low light capabilities with a wide ISO range of 160-6400. Smart Photo Selector captures 20 shots with one press of the shutter button, then selects the five best for you.

With the optional WU-1b Wireless Adapter, you can wirelessly transfer photos to your smartphone, tablet or other compatible Wi-Fi enabled device. Use your smartphone to instantly upload images to the Internet or email them to friends, family and coworkers. Install Nikon's free Wireless Mobile Adapter Utility Android- or iOS-powered app to gain the ability to remotely control the Nikon 1 V2--see what your camera sees and fire off shots right from your smart device.

The bundled 1 NIKKOR VR 10-30mm f/3.5-5.6 lens is a CX-format standard 3x zoom lens. Compact (2.3 x 1.7" / 5.8 x 4.3 cm) and lightweight (4.1 oz / 116 g), the lens has Vibration Reduction (VR) to combat the effects of camera shake. Its silent stepping AF motor (STM) is ideal for shooting video. The lens' angle of view ranges from 29.4 to 77, and its minimum focus distance is 7.87" (20 cm). It has a 40.5mm filter diameter. The 10-30mm is a versatile lens for applications ranging from wide-angle landscapes to tight portrait shots. Three aspherical lens elements ensure high image quality, even at the widest aperture settings. The 10-30mm zoom range enables excellent capture of fine detail at any focal length. Internal Focusing / IF technology enables the compact, lightweight construction, as well as a close focusing distance. A multi-layer lens coating helps reduce ghost and flare to a negligible level.


www.ebay.com/itm/Nikon-1-V2-14-2-MP-HD-Digital-Camera-with-10-30...
g: 0 Posted By: ctgolfer
Views: 50 Replies: 0 UA Storm gear uses a DWR finish to repel water without sacrificing breathability
Charged Cotton has the comfort of cotton, but dries much faster
Lightweight 230g cotton-blend fleece has a hard-faced outer and a soft, brushed inner to trap warmth
Mesh hood lining for added breathability
Durable ribbed cuffs and hem
Front kangaroo pocket
Cotton/Polyester
Imported

www.ebay.com/itm/Under-Armour-Mens-Charged-Cotton-Storm-Battle-H...
Clothing Deals

eBay Coupons
Secret recordings from Inside the Fed - How will it affect the future?
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: faloun
Views: 27 Replies: 0 I was really surprised there wasn't already a thread on this. A former Fed examiner, hired in after the 2008 financial crisis, becomes so dismayed by what she sees that she begins secretly recording conversations and meetings at the Fed. The article and/or radio show raise very serious concerns about the Fed's ability to regulate banks, showing instead a culture that's overly cautious and defers judgement to the banks they are supposed to regulate. It shows a culture rife with regulatory capture that puts so much emphasis on consensus building that findings are consistently watered down. In the words of one examiner, the Fed is"this giant Titanic, slow to move." It also references the Beim Report, an extraordinarily candid report about the inner workings of the Fed following the 2008 crisis, which was never intended to be viewed by the public and got surprisingly little coverage when it was leaked.

My question to you, fellow FWF's, is what do you think this means for the future of the Federal Reserve, and the financial industry as a whole?

Article on Propublica:
http://www.propublica.org/article/carmen-segarras-secret-recordings-from-inside-new-york-fed

NPR Story:
http://www.thisamericanlife.org/radio-archives/episode/536/the-secret-recordings-of-carmen-segarra

Beim Report:
http://www.propublica.org/documents/item/1303305-2009-08-18-frbn...
Discussion Deals
Homeowner's Insurance issues...
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: skwiggey
Views: 73 Replies: 4 Couple of questions for homeowners. Have you had your insurance company force you to carry more insurance than you "need" or want? Mortgage balance is less than $130k, house is worth $160k tops, insurance company says cost to rebuild is almost $250k, so they won't insure for less. I don't think it'd cost that much, but I'm not a builder. This increases my premium (over $3k now) and makes my deductible higher since it's a percentage of the policy limits. Also, now they are requesting an "animal exclusion" form to be signed. I'm trying to get more details on this, but I have an 18lb mini-Schnauzer. Seems a little extreme to me.
Details:
Location - SE Lousiana
House is just under 1700 sq ft
Other insurance companies are not really an option. I've tried but no one else wants to write a policy on a raised house over 4ftoff the ground. I'm at around 10ft.

Personal Finance Deals
g: 0 Posted By: lovelybones
Views: 132 Replies: 0 http://www.amazon.com/RAVPower%C2%AE-10400mAh-External-Thunderbo...

10400mAh of capacity. Charges all iPhone four to five times, a Galaxy S3 thrice, or an iPad / iPad 2 once.
Android 5V / 3A (max) port charges Android devices and iPhone with iOS 5 or higher at full speed, iPad with iOS 5 or 6 at 1.5A, or iPad with iOS 7 at 1A; Apple 5V / 3A (max) port charges iPhone at full speed or iPad at 1A (Android devices at 0.5A). Note: this product CANNOT charge Samsung or Asus tablets.
A lightweight, unassuming solution to life's daily power needs (8oz). LEDs display just how much juice you've got left. Reliable lithium polymer core ensures quality, supplying you with more than 500 charge cycles during the course of its life.
Input: 5V / 1.5A; Use a 1.5A adapter (not included) for fastest charge times (8 hours).
Package contents: 10400mAh Travel Charger / Portable Charger , 2 x USB to Micro USB Charging Cables, travel pouch and detailed instruction manual.


Batteries & Chargers Deals

Amazon Coupons
frequent flyer programs that redeem for cash or gas cards
Added on : Thursday October 02nd 2014 03:00:08 PM
g: 0 Posted By: cameron2003
Views: 52 Replies: 0 I believe with Southwest you can redeem for gas cards 1:1. I haven't found other programs like that. Are there other frequent flyer programs that let you redeem at a decent rate for cash or gas cards? For people who don't travel much.
Question Deals
Microcenter branded 32GB class 10 Micro SDHC $12.99
Added on : Thursday October 02nd 2014 03:00:05 PM
g: 1 Posted By: rbstern
Views: 180 Replies: 0 http://www.microcenter.com/product/385299/32GB_Class_10_Micro_Secure_Digital_High_Capacity_(Micro_SDHC)_Flash_Media_Card

It's the everyday price, but I thought I would call attention to it, since there are few deals in a 32GB micro SDHC that even come close to this price point. Comes with a Micro SD adapter as well.

I added one to my LG phone (Thrill running Android 4) and it works perfectly. Nice to have that much space on me at all times for moving files around, backups etc.


Micro SD Deals
Now, your electrical products are mobile ready with the AC-12VDC. This power inverter converts DC 12V electricity into 110V AC power.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
iBCam iB810 SMART Wifi Baby Monitor $57 at Amazon
Added on : Thursday October 02nd 2014 07:02:24 AM
g: 0 Posted By: Jamesbear
Views: 118 Replies: 1 linky here.

Free shipping and return.

The SMART Baby Cam allows you to monitor your baby directly from your phone anywhere you have a 3G/Wifi Connection.
SMART Features include: Remote Video Recording, Night vision, Two Way Audio, Temperature change alerts and much more.
Custom Application on iOS, Android and Viewable from PC.
Smart Baby cam is powered via USB Wall charger so that your always connected!
Easy and intuitive installation.
Baby Deals

Amazon Coupons
Fiskars 36" Super Splitting Axe $37.99 @ Sears
Added on : Tuesday September 30th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 price shows in cart

Ideal for taller users splitting medium- to large-sized logs
Designed for maximum efficiency to give you more one-strike splits
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Advanced bevel convex blade geometry adds power and makes the blade easier to remove from wood
Unique head shape disperses wood from the blade for clean splitting
Larger, heavier axe head provides unmatched splitting power
Proprietary blade-grinding technique provides a sharper edge for better contact and cleaner cuts
Hardened forged steel blade stays sharp longer than traditional axes
Low-friction blade coating powers through wood and prevents head from getting stuck
Inseparable PermaHead insert-molded head will not loosen and prevents overstrike breakage
Shock-absorbing DuraFrame handle is lightweight yet stronger than steel to prevent overstrike damage
Designed in Billns, Finland, building on a 360-year history of the worlds best forged tools
Included sheath helps protect blade and the user
Lifetime warranty

www.sears.com/fiskars-36-quot-x27-splitting-axe/p-07183522000P
Tools Deals

Sears Coupons
g: 0 Posted By: Savvymommy03
Views: 0 Replies: 0 WalMart has theNeato XV-12 Robotic Vacuum w/ Bonus 2-pk. Pet & Allergy Replacement Filters on sale for $199.00 w/ free shipping.


Vacuum:

The most powerful suction in a robot vacuum
Easily picks up dirt, debris and even pet hair
Laser navigation system
Cleans in a methodical back and forth pattern
Bagless technology
Automatic cleaning system
1-year manufacturer defect warranty

Filters:

Special pleated filters
6 times more surface area than standard filters
Picks up twice as much
Traps fine dust and capture particles as small as 0.3 microns, including mold, spores, cat and dog dander, dust mites, pollen, and fibers from textiles and carpet
Too much available credit
Added on : Tuesday September 30th 2014 07:00:17 AM
g: 0 Posted By: mattun
Views: 160 Replies: 2 I was poking around, but didn't see much on this topic. Lately, I've been rejected on a fair number of PLOC/credit card applications for having too much available credit. Last year one complained specifically that $250,000 was too much especially with very low usage. But didn't give me a clear answer how much lower they wanted it to be. Essentially,"if you close $100,000in cards... maybe". I was toying with the idea of lowering the limit on a bunch of the sock drawered variety cards, but wasn't sure by how much and if the credit score hit would offset the available credit warning flag. Do higher limits on older cards help your score more than newish ones or is a limit a limit? Anybody have any feedback on this? I'd really appreciate it.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 118 Replies: 0 84% OFF SEAWORTHY PUBLICATIONS Florida Keys Chartracker - detailed chartbook covering the Florida Keys from Miami to Key West $11.55 FS to store West Marine

http://www.westmarine.com/buy/seaworthy-publications--florida-ke...

Florida Keys Chartracker Navigation Guide is a detailed chartbook covering the Florida Keys from Miami to Key West in both the ICW and Hawk Channel in both directions. The Chartracker format is a simplified strip chart accompanied by piloting instructions all on the same page. This format makes it easy for the navigator to make fast informed decisions. Chartracker includes waypoints, marinas and anchorages, mile by mile piloting instructions, warnings, depth soundings, and much more.
Books Deals
g: 0 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/dp/B0043VDXPQ

Poker is not a get rich quick scheme. Becoming a consistent winner takes effort and dedication. In this collection of classic articles and much new material, prolific poker strategy writer Alex Scott explains:

- How to use Expected Value, Pot Odds, Position, and the principle of Tight-Aggressive play to make good decisions

- How to transform your No Limit Holdem game in five simple steps

- How to play Five Card Draw, Lowball Draw, Triple Draw, Badugi, Five Card Stud, Seven Card Stud, Razz, Stud Eight or Better, Chicago, Super Stud, Omaha, Omaha Eight or Better, 5 and 6-Card Omaha, Double Flop Holdem and Omaha, Courchevel, and Chinese Poker including basic strategy guides and dealing tips for each variant

- How to play when the river is dealt

- What to do when you play your first live tournament

- When to pass up close gambles in tournaments

- How to avoid common bet-sizing mistakes

- How to use Fold Equity

- How to make money playing Short-Stack Strategy and how to defend against short-stacked opponents

- How to turn a small investment into big money playing Steps Sit & Gos

- When to bet into a dry side pot

- How to play when your opponents straddle

- How to utilise the squeeze play

- How to avoid results-oriented thinking

- How to keep good records

- How to use tells and your opponents mannerisms when playing live poker

- How the Tight-Aggressive and Loose-Aggressive styles evolved

- How to use M and the Independent Chip Model (ICM) to make better decisions in Sit & Go tournaments

- How to avoid common robotic and predictable plays

- How to play when you are card dead

- How to defeat online opponents using HUDs

- How to use the metagame to your advantage

- Why Nietzsche was Right about Poker

- How Superstition hurts your game, and how you can best use intuition

The book includes 13 quizzes to test your knowledge of the material covered.

One of the most comprehensive poker guides available, What I Know About Poker is a must-have for any players library!
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 50 Replies: 0 Jackery Mini Premium Phone Charger 3200mAh Power Bank $15.95 Fs Prime Amazon Lightning Deal

http://www.amazon.com/dp/B00AA6CS86/

High-capacity portable phone charger with 3200mAh rechargeable battery power capacity with 1A output. Adds 10 extra hours of talk time or 1 full charge to your iPhones. This portable battery charger (external battery charger) adds 100% extra battery life.
The world's thinnest external battery charger; Fits easily into any bag or pocket; Compact, portable & stylish design; Easily fits into your bag to provide instant power; Perfect for long flights, road trips, or whenever you need to charge your mobile devices; often used as a substitute for a car charger, such as an iPhone car charger, dual USB car charger and iPad car charger.
Package includes: Jackery Mini External Battery, premium Micro USB to USB 2.0 cable.
Grade A Li-ion polymer cell and premium microchips create high-quality portable charger; Premium aluminum case; Secured battery safety with 4 layers of smart safety protection circuit; Advanced power lock technology with standby time up to 6 months after fully charged. 500+ recharge cycles over the life of the battery.
4-color LED indicator to indicate the charging status; Jackery Mini can be used for Samsung Galaxy S5 charger, Samsung Galaxy S4 car charger, Samsung Galaxy, S3 extended battery, Samsung Galaxy S2 battery, iPhone 6 portable charger, iPhone 5s portable charger, iPhone 5c charger, iPhone 5 charger, iPhone 4s portable charger, iPad external battery, HTC battery bar, and much more.
Batteries & Chargers Deals

Amazon Coupons
Free mp3 album on Google Play - Night Train by Jason Aldean
Added on : Monday September 29th 2014 11:00:09 PM
g: 0 Posted By: remick
Views: 92 Replies: 0 https://play.google.com/store/music/album/Jason_Aldean_Night_Train?id=Bl636cwd2qhgxydqwsfa3tr6xmi

Following up the multi-Platinum My Kinda Party, Jason Aldean doesn't completely abandon the game-changing country-rap of his blockbuster "Dirt Road Anthem""1994" blends rock riffs and down-home hip-hop lyrics, shouting out to Joe Diffie and Third Rock. But Aldean also explores everything from heartbroken balladry ("I Don't Do Lonely Well") to the moody travelogue of "Wheels Rollin'," which evokes nothing so much as Bob Seger's "Turn the Page." Along the way he creates a country dream team by partnering with Eric Church and Luke Bryan on "The Only Way I Know" and reiterates his love of small-town life on "This Nothin' Town"telling the world "It ain't all just porches and plows" and embodying the spirit of the New South spreading its wings ever further into mainstream pop culture.
Totally Free Deals
g: 1 Posted By: jaymanthegreat
Views: 164 Replies: 0 Dirty Dancing / Havana Nights (Widescreen) 35% OFF $12.96

Movie Description:
The following content was provided by the publisher.This Double Feature includes the classic "Dirty Dancing" and the recent re-imaged version of it's successor "Havana Nights".

"Dirty Dancing" - The summer of 1963 innocent 17-year-old Baby (Grey) vacations with her parents at a Catskill's resort. One evening she is drawn to the staff quarters by stirring music. There she meets Johnny, the hotel dance instructor, who is as experienced as Baby is naive. Baby soon becomes Johnny's pupil in dance and love.

"Dirty Dancing: Havana Nights" - On the eve of Cuba's revolution, a young American woman discovers a passion for dance and for her sultry Cuban partner, Javier. As the two prepare to take their first place in a prestigious national dance competition, their bodies align in a sensual harmony that mirrors the growing bond between them. They dominate the dance floor with a sizzling style and rhythm all their own.

Audio Commentary, Deleted scenes, Featurettes, Interviews, Interactive Menus, Trailers, Trivia Track.

"Jennifer Grey Introduction"; "Jennifer Grey Screen Test"; Emile Ardolino Tribute; "'Dirty Dancing' Live In Concert"; Music Videos: "Hungry Eyes", "She's Like the Wind", "(I've Had) the Time of My Life" and "Guajira (I Love U 2 Much)"; "Baila! A Dance Piece"; "Inside Dirty Dancing: Havana Nights".
Movies Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 146 Replies: 0 http://www.amazon.com/dp/B00BY83V4E

4.3 out of 5 stars (45 customer reviews)

1) In this practical, handmade jewelry making guide you will find detailed and comprehensive schemes, used by seed bead jewelry designers. You'll learn basic jewelry making techniques and practice making simple as well as more sophisticated items. We will explore these schemes on every example of each particular jewelry item. You will then be able to apply these techniques while making your own items according to your fantasy and style.

2) In this step by step beading book you will also find photos of items and schemes with detailed instructions and explanation on how to make one or another jewelry item. Moreover, each item has full description of materials used for beading of this item. So if you've ever wondered how to make jewelry quickly and easily then this is your MUST READ book!

3) This step by step book will allow you to make an amazing handcrafted jewelry, which will always look unique and glamorous, and what's more important it will be made by your own hands. You will be able to create your unique and authentic jewelry, which will complete your outfit with its distinctive and glamorous design.

Free Bonus
Along with the digital copy of this book you'll be able to get an exclusive invetation to join my popular, yet FREE, "Beading with Poli" e-Magazine and get more step by step tutorials for making AMAZING beaded jewelry completely for FREE!


23 Halloween Crafts for Kids: Homemade Halloween Costume Ideas and Spooky Decor
http://www.amazon.com/23-Halloween-Crafts-Kids-Homemade-ebook/dp...

Get in the spooky spirit with this guide to your best Halloween yet! With this collection of 23 Halloween Crafts for Kids: Homemade Halloween Costume Ideas and Spooky Dcor, you can:
Design frightfully fun homemade Halloween costumes
Share laughs with your little ones as you make kids Halloween crafts
Create homemade Halloween decorations to make your home spook-tacular
And so much more! This is your year to be the most festive haunted house on the block, so grab this eBook and start preparing for a bewitching Halloween.



12 Halloween Crafts to Crochet: DIY Home Decor, Halloween Costume Ideas, and More
http://www.amazon.com/12-Halloween-Crafts-Crochet-Costume-ebook/...
4.1 out of 5 stars (50 customer reviews)

Get ready for Halloween with this collection of Halloween crafts to crochet. Celebrate the season with homemade home decor items and crocheted Halloween costumes. Inside, you'll find one-of-a-kind DIY home decor patterns, homemade Halloween costume ideas, and more. Most of these crochet patterns are quick and easy to work up, which is great for last-minute holiday preparations.


A Drink for All Seasons: Winter and the Holidays
http://www.amazon.com/gp/product/B00H8Y5PQU/

Different times of year evoke in us the desire for different flavors and textures. While the summer calls for something cold and refreshing, the winter asks us for something to warm us, for the flavors that remind us of this special time of year, and for celebratory drinks and cocktails to boost us as we gather and enjoy new beginnings.

In this Winter edition of "A Drink for All Seasons" you'll find many different winter-inspired alcoholic beverages including cocktails, toddies, mugs, and more broken down by type (punches, cocktails, wine-based, beer-based cocktails, eggnogs, etc.). Drinks included in this collection have been hand-picked to help you match your mood, whether one alone, a couple or small gathering, or partying with a crowd. This is a go-to book for any home bar that will make it easy to fit the preferences of each and every guest (including yourself!).
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 167 Replies: 0 Fisher-Price Disney Jake and The Never Land Pirates Rolling Submarine Bucky $17.99 Fs Prime Amazon

http://www.amazon.com/dp/B00JC3MNQU/

Transform Bucky into a submarine!

Come and play with Jakes magical Bucky pirate ship that has the ability to transform into a submarine to help Jake and crew accomplish their treasure hunting missions in Never Land. Submarine Bucky's Never Sea Adventure playset includes 1 Jake figure and 3 projectiles. With one pull up of the periscope, Bucky instantly transforms into his submarine.


Launch the Cannon! Shoot "water balls" at the monster squid!
View larger

Bucky magically transforms from a ship to a submarine!
View larger
Defend the treasure!

Slide in one of the 3 projectiles to defend the treasure against Captain Hook. Open the side doors to place Jake inside Sub Bucky. Place him on the periscope platform and manually spin the periscope and watch Jake spin around as he keeps a look out. As Bucky rolls he rocks to the waves as if he is gliding through the ocean on his treasure hunt!

Rock the Never Sea!

Our favorite Preschool pirate Jake, and his trusty ship Bucky are back for another adventure!! Bucky can transform into pretty much anything to help for Jakes adventures. This time, Bucky is helping Jake take his pirate adventures into the deep sea. With Jake, a giant attacking squid, hidden treasure, and transforming Bucky, this adventure is sure to rock the Never Seas!

What do I get?

The playset includes 1 Jake figure, 3 projectiles, a giant squid and a hidden treasure location on the ship deck. With a pull up of the periscope, Bucky instantly transforms into submarine mode.



Help Jake explore the Never Sea!
View larger
How does Jake help my child learn and grow?

Pretend play helps foster curiosity, discovery, imagination and creativity as well as encouraging thinking and problem solving. Playing with Jake promotes development of sensory and fine motor skills and well as balance, coordination and gross motor skills. Like all Disney toys, Jake nurtures sharing and cooperation, listening and communication, self-expression and confidence, as well as rekindling a sense of security and happiness!


Features

Includes Jake, 3 projectiles, & squid
Pull up periscope to transform Bucky into sub
Shoot water balls
Squid hooks onto cage
Roll ship fins magically move
Toys Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 125 Replies: 0 Yamaha MOX8 88-Key Graded Hammer Action Music Production Synthesizer Workstation $1300 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Yamaha MOX8 combines a MOTIF XS sound engine, a MIDI keyboard controller with extensive DAW and VST control, multi-channel USB audio interfacing, onboard sequencing, and an extensive DAW / VST software bundle. The MOX8 is the most powerful, mobile and affordable Yamaha music workstation ever.

MOTIF XS sound engine
MOX has the exact same 1,270 sounds as the acclaimed MOTIF XS covering a wide variety of music styles. Starting with the Yamaha's acclaimed Concert Grand Piano CFIII grand piano sound; all the acoustic instrument sounds (strings, brass, guitar, bass, drums and more) that made the MOTIF XS so popular are included.. Of course the 8 element Voices, 18 different filter types and extensive effects section are also great for creating the vintage analog and modern digital synthesizer sounds that are used in the electronic and hip hop music scenes. All the sounds you'll need for both live performance and music production in a variety of styles are contained in the MOX.

Performance mode to enhance your creativity
You can combine multiple Voices together (up to 4 parts) and play them on one MIDI channel in performance mode, allowing you to play dynamic layered sounds or play solos along with drums and bass backing tracks. With the interactive Arp engine, even playing simple chords or just one finger gives you complete musical performances to spark your creativity. The MOX has 256 preset performances in a wide variety of music style including Rock, World, Hip Hop Jazz, etc.

Easy operation and comprehensive controls
Category search mode makes it fast and intuitive get to your ideal instrument. 16 different instrument categories with sub-categories make it quick to get the sound you need. With the Performance Creator (a new feature taken from the S90 XS, you can easily build up layer or split Performances by a single button press. Start with a Voice you like, press LAYER and a suitable layer sound will be chosen. Press SPLIT and a left hand Bass sound is called up automatically. Go to DRUM ASSIGN and you can play along with the tons of built in rhythm patterns.

Plenty of Effets including Virtual Circuitry Modeling effects
MOX has a wide variety of effects for both the internal keyboard sounds and for use with the A/D inputs including a Vocoder for vocal formant controlled synth sounds.. Also Yamaha's proprietary VCM (Virtual Circuitry Modeling) technology that, rather than simply attempting to approach the desired sound using conventional digital audio methods, actually models the original analog circuitry right down to the last resistor and capacitor. With the MOX, the high-quality effects found in our industry-standard digital recording consoles are at your fingertips. MOX also includes the award-winning "REV-X" reverb, the same professionally renowned reverb found in the SPX2000.

Sequencer mode to build up your inspiration as quickly as possible
MOX features a built-in sequencer which lets you produce high-quality music productions without the need for a computer or any other external devices. The sequencer features both real-time recording, which records your performance data as you play it, and Step recording, which is suitable for recording precise phrases or other difficult passages. Moreover, you can use the creative inspiration from Performances and directly record them to a Song/Pattern simply by pressing the [REC] button. After creating the outline in a matter of seconds you can easily edit and refine your song to final completion right on the MOX. MOX features 6,720 types of arppegiator patterns which contains all the phrase of instruments, so you can easily add additional part onto your song data.

A single USB cable for both Audio and MIDI connections
A single USB cable lets you integrate both Audio and MIDI with your MAC or PC computer. MOX has a built-in 4-in 2-out USB audio interface so you can record MOX's internal sound directly to your MAC or PC. Two dedicated audio inputs can be used to recording guitars and vocals into your computer. Compatible with all the major DAWs including Cubase, you can digitally record the sounds of the MOX and anything connected to the stereo analog inputs directly to your favorite DAW. Not only for music production, the USB connectivity and in-depth keyboard controller functionality lets you also playback and control your VST soft synths via the audio outputs of your MOX, allowing you to easily integrate VSTs into your live stage shows with no extra gear- just add computer and play.

Bundled software and editors
The MOX comes bundled with a 48-track version of Steinberg's Cubase AI software, Prologue, Steinberg's VA soft synth for vintage analog synth sounds and a new Yamaha Organ YC-3B "Clonewheel" organ emulation VST. (The installer package of Soft synthesizers is available at yamahasynth.com) Dedicated Editor Software lets you easily edit your MOX just like a soft synthesizer. In fact, by using the MOX Editor VST, you can turn the MOX into a hardware accelerated VSTi. Combined with Media Bay in Cubase, you can categorize and select MOX's sound from a unified universal library of all your VST sounds. There is even a special editor for setting up the MIDI keyboard controls and remote functions. The MOX is the latest and best example of Yamaha's commitment to integrating our keyboards into the computer music production environment.

88-key Graded Hammer Standard(GHS) action, and new 61-key semi-weighted action
The MOX8 features an 88-key GHS keyboard. This feature provides authentic, realistic keyboard responsemuch like the playing feel of an acoustic pianowith the lower keys being heavy in touch, the higher keys light, and all the natural gradations in between. The keyboard has been designed and adjusted so that you easily and expressively play the rich variety of sounds of the instrument.

Mobility Light and easy to carry
The MOX8's lightweight body (32.6 lb., 14.8kg) makes it easy to carry it to rehearsals or gigs, making it pound-for-pound the most powerful workstation Yamaha has ever made. Both the MOX6 and MOX8 are 50% lighter in weight than the comparable MOTIF models.
Features

1,217 Voices and 355 MB of waveforms taken from the MOTIF XS
XA (Expanded Articulation) tone generation system
More than 256 Performances that spark your musical inspiration
Virtual Circuitry Modeling (VCM) effects
6,720 arpeggiator patterns and the 4-part interactive arpeggio engine
Direct Performance recording
Performance Creator for quick setting of Splits, Layers, and Drum Parts
Category Search provides instant access to the Voices you want
Comprehensive sequencer including step recording
88-key Graded Hammer-Action keyboard
Lightweight body
Built-in 4-in 2-out USB Audio/MIDI interface
Bundled with YC-3B Organ Emulator soft synth, Prologue analog synth, and Cubase AI


Music Deals

Musician's Friend Coupons
Scammed by Hertz Rental Car in Munich, Germany
Added on : Sunday September 28th 2014 08:00:07 PM
g: 0 Posted By: jlkc
Views: 87 Replies: 2 We needed to return a rental car to Hertz in Munich, Germany on a Saturday afternoon and the only location open was the one in the Main Railway Station. So because we wanted to have someone inspect the car while we were there, we chose to return the car to that location. When we arrived at the rental return location, we found a parking garage but no office. We followed the signs to the Hertz rental return location and found someone there to receive it. Unfortunately for us, he did not speak much English. He inspected the car and told us "everything good". We asked for a receipt, but said he replied "no receipt". He told us "everything good, don't worry". Since there wasn't a Hertz office there and we were short on time, we left and hoped for the best.

A couple days later, we received an email from Hertz, claiming that there was damage to one of the rims. They charged our credit card for an extra 150 euros for the damaged rim + 50 euros for administrative fees. When we asked via email why they didn't point out the damage to us when we returned the car, they kept telling us to look at the rental terms and conditions. Had they pointed out the damage while we were there, we would have paid it without a problem as we could not have proved that we did not do it. However, now that they "found" the damage a couple days after we dropped off the car, we are suspicious. Do we have any recourse here?

We paid with a Visa Signature card that has rental car coverage, but are wondering if we should try to work things out with Hertz first, or talk to our prepaid legal plan for some advice, or just go directly to the credit card company to see if they will cover this charge. We've already exchanged a couple emails with Hertz without much progress so far. Do you have any suggestions?
Question Deals
Best place to buy disney tickets
Added on : Sunday September 28th 2014 05:00:07 PM
g: 0 Posted By: rainyangel175
Views: 50 Replies: 0 There's going to be 12 of us going to disney world for 2 days (2 of us are under 3 so they get in for free). I've been spending hours searching for the best deal but I am not finding much. I'm hoping by posting here, someone could help. I know that the pricing is pretty standardized so I'm not expecting a great deal that way. What I'm hoping to find is a site that sells disney tickets that is also on the Cash Back list. We are also planning on going to Universal Studios for 2 days. We are going to spend a lot of $$$ so looking to save where we can. Any help is appreciated
Question Deals
g: 2 Posted By: BigBoyMichigan
Views: 817 Replies: 6 New Year = New Registration For 2014 McDonald's Monopoly Game


*Game Pieceswill not be Issueduntil In-Store Starting Game Date (September 30, 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!Must be 13+ to enter and play online, Validat participating McDonald's restaurants.


McDonald's Special Links
Register For 2014 McDonald's Monopoly - Enter Code First
I Won A Prize - Enter Winning Code Here
Canadian Residents - Prize Redemption Website
Guam or Saipan Residents - I Won RedBox or MyCokeRewards Prize
Prize Redemption Frequently Asked Questions
McDonald's Monopoly Big Winners 2003 - 2014
McDonald's Monopoly 2014 Official Rules
McDonald's Restaurant Locator - USA
BigBoyMichigan's FatWallet Deals


*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY LETTER CODES - EVERYONE CAN USE THESE ONCE*
============================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



* Any Individual Code that has a Mix of Numbers & Letters can only be used once, Once its used, No one else can use it!
Share a FREE Monopoly Letter Code and Get Credit For It



SPECIAL MC DONALDS 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 person, per day, not including the FREE Codes. One Pre-Promotion Sweepstakes entry per person. One online registration per participant.
* 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 USA, DC, Canada, Guam, Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
* Free Game Pieces By Mail (See Below)................6 peels

* 20-piece Chicken McNuggets.............................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium Ice Water (21 oz).......................................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00..............................................................................1,000 Winners - ARV: $50.00..........Collect & Win
$100 Cash Prize............................................................10,000 Winners - ARV: $100.00.........Instant Win
$5,000 Cash Prize..................................................................5 Winners - ARV: $5,000.........Collect & Win
$10,000 To Help Pay Your Bills..............................................4 Winners - ARV: $10,000........Collect & Win
$100,000 Cash Prize..............................................................4 Winners - ARV: $100,000.......Instant Win
$1,000,000 Cash Prize...........................................................1 Winner - ARV: $1,000,000...Collect & Win
Cessna Private Jet Trip..........................................................2 Winners - ARV: $16,900........Collect & Win
Cessna Discovery Flight.......................................................10 Winners - ARV: $400.00.........Instant Win
Beaches Resorts Vacation.................................................75 Winners - ARV: $6,500..........Collect & Win
Softcard Mobile Wallet Prizes.............................................238 Winners - ARV: $3,150..........Collect & Win
$2,000 Target GiftCard......................................................20 Winners- ARV: $2,000.00......Instant Win
$020.00 Target eGiftCard................................................6,000 Winners- ARV: $0,020.00......Instant Win
$010.00 Target eGiftCard..............................................30,000 Winners- ARV: $0,010.00......Instant Win
$005.00 Target eGiftCard............................................100,000 Winners- ARV: $0,005.00......Instant Win
$5,000 Target GiftCard & Early Black Friday Access...........10 Winners -ARV: $5,000.00......Collect & Win
$25.00 Shell V-Power Gift Card....................................3,500 Winners - ARV: $25.00...........Instant Win
$10.00 Shell V-Power Gift Card....................................5,000 Winners - ARV: $10.00...........Instant Win
Shell Fuel for a Year...............................................................4 Winners - ARV: $2,350.00......Collect & Win
Dream Trip From Delta Vacations........................................20 Winners - ARV: $7,500.00......Collect & Win
My Coke Rewards 50 Bonus Point Bundle............4,000,000 Winners - ARV: $2.00.............Instant Win
1-Day Redbox Rental...............................................5,600,000 Winners - ARV: $2.00..............Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV....................260 Winners - ARV: $999.99..........Instant Win
$10.00 Arch Card........................................................20,000 Winners - ARV: $10.00............Instant Win
8x8 Shutterfly Photo Book........................................2,000,000 Winners - ARV: $37.98............Instant Win
Shutterfly Magnet.....................................................2,800,000 Winners - ARV: $22.98............Instant Win
Shutterfly White Ceramic Mug.................................1,200,000 Winners - ARV: $22.98............Instant Win
Polaroid Cube Lifestyle Action Camera.........................350 Winners - ARV: $99.00.............Instant Win
1-Month Hulu Plus Subscription............................10,000,000 Winners - ARV: $7.99...............Instant Win
Trip to Super Bowl XLIX (2015)............................................2 Winners - ARV: $7,000..............Instant Win
Skullcandy Navigator Headphones...............................3,000 Winners - ARV: $99.00...............Instant Win
Hasbro MONOPOLY Board Game................................2,000 Winners - ARV: $20.00..............Instant Win
Trip to the U.S. Premiere of The Hobbit................................1 Winner - ARV: $3,500..............Instant Win
Meet N Greet LeBron James Basketball MVP......................1 Winner - ARV: $3,800.............Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran..........1 Winner - ARV: $3,440..............Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist.................1 Winner - ARV: $3,200..............Instant Win
Meet N GreetPatrick Kane Hockey All Star..........................1 Winner - ARV: $3,200.............Instant Win
Quarter Pounder with Cheese...............................18,395,575 Winners -ARV: $3.00...............Instant Win
Fruit ' N Yogurt Parfait...........................................18,395,575Winners-ARV: $3.00...............Instant Win
Regular McFlurry...................................................18,395,575Winners-ARV: $2.00...............Instant Win
Small McCafe Frappe............................................18,395,575Winners-ARV: $2.00...............Instant Win
Any Breakfast Sandwich (Except McMuffin)..........18,395,575Winners-ARV: $3.00...............Instant Win
Small McCafe Smoothie........................................18,395,575Winners-ARV: $3.00...............Instant Win
Medium Fries.........................................................18,395,575Winners-ARV: $2.00...............Instant Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00.............Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00.............Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88.............Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97.............Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00.............Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00.............Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win



2014 Rare Pieces........................Game Piece...Game Prize
==============================================
* Mediterranean Ave...................501.................$50.00
* Vermont Ave.............................504..................Shell Fuel For 1 Year
* Virginia Ave..............................508..................$5,000.00
* Tennessee Ave.........................510..................Softcard Mobile Wallet Prize**
* Kentucky Ave...........................512...................Any Delta Airlines Destination for 2
* Ventnor Ave..............................516..................Beaches Resorts Vacation
* Pennsylvania Ave.....................520.................Cessna Private Jet Trip
* Boardwalk.................................522..................$1,000,000 (annuity)
* Short Line Railroad..................526..................$5,000 Black FridayTarget Shopping Spree
*Water Works.............................527..................$10,000 To Pay Bills

** Plus $2,500 for wireless service


FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and

Postmarked By.....................October 27, 2014
Received by Sponsor By.....November 1, 2014.

If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.
Pre-Promotion Sweepstakes Random Drawing: On or about October 7, 2014Online Sweepstakes Random Drawing: on or about November 18, 2014Prize Redemption Site link http://www.iwonatmcd.com/home/mo2014us/index.html


ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.Do to lack of space, There is additional information in the next post below, Please take a moment to read it.


■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.


Toys, Games,& Collectibles Deals
g: 0 Posted By: rhiane
Views: 253 Replies: 1 I think this is a good deal. Makes my life easier and saves me money from buying paper towels
http://www.amazon.com/Microfiber-Towels-Detailing-Satisfaction-G...

List Price: $21.99 Price: $14.95 Sale: $9.95&FREE Shippingon orders over $35.Details You Save: $12.04 (55%)


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Best Microfiber Cleaning Cloth - Lift Dust and Dirt Very Well. Makes your life so much easier
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Tools & Automotive Deals

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School Charging $$$$$ if a teacher leaves. Legal?
Added on : Saturday September 27th 2014 12:00:05 AM
g: 2 Posted By: biggsben
Views: 4230 Replies: 80 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.

EDIT: I edited the amount of money in title so that it would not be as identifiable.
Personal Finance Deals
g: 0 Posted By: BigBoyMichigan
Views: 244 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

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!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
*Game Pieces will not be Issued until In-Store Starting Game Date (September 30, 2014)
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST



IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS 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:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win
My Coke Rewards 50 Bonus Point Bundle.................4,000,000 Winners - ARV: $2.00.........................Instant Win
1-Day Redbox Rental.....................................................5,600,000 Winners - ARV: $2.00........................Instant Win
VIZIO P-Series 50" Class Ultra HD Smart TV..........................260 Winners - ARV: $999.99....................Instant Win
$10.00 Arch Card.............................................................20,000 Winners - ARV: $10.00.......................Instant Win
8x8 Shutterfly Photo Book.............................................2,000,000 Winners - ARV: $37.98.......................Instant Win
Shutterfly Magnet..........................................................2,800,000 Winners - ARV: $22.98.......................Instant Win
Shutterfly White Ceramic Mug......................................1,200,000 Winners - ARV: $22.98.......................Instant Win
Polaroid Cube Lifestyle Action Camera..............................350 Winners - ARV: $99.00.......................Instant Win
1-Month Hulu Plus Subscription.................................10,000,000 Winners - ARV: $7.99.........................Instant Win
Trip to Super Bowl XLIX (2015)..................................................2 Winners - ARV: $7,000.......................Instant Win
Skullcandy Navigator Headphones.....................................3,000 Winners - ARV: $99.00.......................Instant Win
Hasbro MONOPOLY Board Game.....................................2,000 Winners - ARV: $20.00.......................Instant Win
Trip to the U.S. Premiere of The Hobbit.....................................1 Winner - ARV: $3,500.......................Instant Win
Meet N Greet LeBron James Basketball MVP...........................1 Winner - ARV: $3,800.......................Instant Win
Meet N GreetJamie McMurray Victory Lane Veteran...............1 Winner - ARV: $3,440.......................Instant Win
Meet N GreetAlex Morgan Soccer Gold Metalist......................1 Winner - ARV: $3,200.......................Instant Win
Meet N GreetPatrick Kane Hockey All Star..............................1 Winner - ARV: $3,200.......................Instant Win
Quarter Pounder with Cheese...................................18,395,575 Winners -ARV: $3.00.........................Instant Win
Fruit ' N Yogurt Parfait...............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Regular McFlurry.......................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Small McCafe Frappe................................................18,395,575Winners-ARV: $2.00.........................Instant Win
Any Breakfast Sandwich (Except McMuffin)..............18,395,575Winners-ARV: $3.00.........................Instant Win
Small McCafe Smoothie............................................18,395,575Winners-ARV: $3.00.........................Instant Win
Medium Fries.............................................................18,395,575Winners-ARV: $2.00.........................Instant Win





ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, Be sure to thank the people you get Free Codes from it makes the code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■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.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 200 Replies: 1 New Year = New Registration For 2014 McDonald's Monopoly Game

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!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


McDonald's Restaurant Locator
http://www.mcdonalds.com/us/en/restaurant_locator.html



*McDonald's Monopoly Pre-Promotion Online Sweepstakes
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00
Starts......September 23, 2014 at 12:00 a.m. EST
Ends........September 29, 2014 at 11:59:59 p.m. EST


IN-STORE GAME
Starts......September 30, 2014 at 12:00 a.m. EST
Ends........October 27,2014at 11:59:59 p.m. ESTor while supplies last.




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
====================================================
McDMONOPOLY (Pre-Premotion Facebook Code)



SPECIAL MC DONALDS 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:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

* Medium Fountain Drink (21 oz).............................2 peels
* Medium McCafe Beverage(16 oz)......................2 peels
* LargeMcCaf Beverage(20 oz).........................2 peels
* Big Mac Sandwich.................................................2 peels
* Bacon Clubhouse Sandwich................................2 peels
* Filet-O-Fish Sandwich.........................................2 peels
* 10-piece Chicken McNuggets.............................2 peels
* Premium McWrap................................................2 peels
* Hash Browns..........................................................2 peels
* Egg White Delight McMuffin sandwich.............2 peels
* Egg McMuffin......................................................2 peels
* Sausage McMuffin with Egg sandwiches........2 peels
* Fruit & Maple Oatmeal..........................................2 peels


**Special Note: Where 20-piece Chicken McNuggets packaging is not available, Participants who order 20-piece Chicken McNuggets will receive two (2) 10-piece Chicken McNuggets, each with one (1) Game Piece.Check with store as once the peels runs out on a certain product, They will NOT be resupplied





IN-STORE PRIZES - MCDONALDS MONOPOLY 2014
===========================================
$50.00.................................................................................1,000 Winners - ARV: $50.00.....................Collect & Win
$100 Cash Prize................................................................10,000 Winners - ARV: $100.00...................Instant Win
$5,000 Cash Prize......................................................................5 Winners - ARV: $5,000.....................Collect & Win
$10,000 To Help Pay Your Bills..................................................4 Winners - ARV: $10,000....................Collect & Win
$100,000 Cash Prize..................................................................4 Winners - ARV: $100,000..................Instant Win
$1,000,000 Cash Prize...............................................................1 Winner - ARV: $1,000,000...............Collect & Win
Cessna Private Jet Trip..............................................................2 Winners - ARV: $16,900....................Collect & Win
Cessna Discovery Flight...........................................................10 Winners - ARV: $400.00....................Instant Win
Beaches Resorts Vacation.....................................................75 Winners - ARV: $6,500......................Collect & Win
Softcard Mobile Wallet Prizes.................................................238 Winners - ARV: $3,150......................Collect & Win
$2,000 Target GiftCard...........................................................20 Winners- ARV: $2,000.00..................Instant Win
$020.00 Target eGiftCard.....................................................6,000 Winners- ARV: $0,020.00..................Instant Win
$010.00 Target eGiftCard...................................................30,000 Winners- ARV: $0,010.00..................Instant Win
$005.00 Target eGiftCard.................................................100,000 Winners- ARV: $0,005.00..................Instant Win
$5,000 Target GiftCard & Early Black Friday Access................10 Winners -ARV: $5,000.00..................Collect & Win
$25.00 Shell V-Power Gift Card.........................................3,500 Winners - ARV: $25.00.......................Instant Win
$10.00 Shell V-Power Gift Card.........................................5,000 Winners - ARV: $10.00.......................Instant Win
Shell Fuel for a Year....................................................................4 Winners - ARV: $2,350.00..................Collect & Win
Dream Trip From Delta Vacations.............................................20 Winners - ARV: $7,500.00..................Collect & Win



ONLINE PRIZES - MCDONALDS MONOPOLY 2014
=========================================
My Coke Rewards 1000 Bonus Point Bundle...................42 Winners - ARV: $040.00 Each....Instant Win
My Coke Rewards 50 Bonus Point Bundle..............250,000 Winners - ARV: $002.00Each....Instant Win
Spotify Premium 12 Month Memberships.......................5,000 Winners - ARV: $119.88 Each....Instant Win
Spotify Premium 03 Month Memberships.......................5,000 Winners - ARV: $029.97 Each....Instant Win
1-Day Redbox Rental...............................................1,400,000 Winners - ARV: $002.00Each....Instant Win
$100 Cash Prize................................................................100 Winners - ARV: $100.00Each....Instant Win
$10,000 Sweepstakes Prize..................................................1 Winner -ARV: $10,000.00........Pre-Promotion
$50,000 Sweepstakes Prize..................................................1 Winner - ARV: $50,000.00........Online Game
$10.00 Arch Card............................................................100 Winners -ARV: $010.00.............Instant Win
$50.00 Shell V-Power Gift Card......................................500 Winners-ARV: $050.00.............Instant Win
$14.99 Fathead E-Code....................................................500 Winners-ARV: $014.99.............Instant Win





McDonalds Monopoly 2014 Rare Pieces:
====================================
* Mediterranean Ave
* Vermont Ave
* Virginia Ave
* Tennessee Ave
* Kentucky Ave
* Shortline Railroad
* Ventor Ave
* Pennsylvania Ave
* Boardwalk



FREE GAME PIECES BY SNAIL MAIL
A Participant can request a Game Piece without buying a food item by mailing a legibly handwritten, self-addressed, stamped envelope (SASE) with sufficient postage and a return address, including first and last name, street address, city, state, and ZIP code to:

2014 MONOPOLY Game Piece Request
P.O. Box 49340
Strongsville, OH 44149-0340

Six (6) Game Stamps will be mailed in response to each mail-in request that complies with the requirements of these Official Rules, while supplies last,
Mail-in requests, including both outer envelope and SASE, must be handwritten. Outer envelope must include a return address in the upper left hand corner that matches the requestors street address, and must be postmarked no later than October 27, 2014, and received by Sponsor no later than November 1, 2014.If the In-Store Game is extended beyond October 27, 2014, these dates are subject to a corresponding extension. Requests from Vermont (VT) residents that are postmarked in VT may omit return postage. Requests from VT residents that are postmarked outside of VT and omit return postage may be required to provide proof of VT residency to Sponsor's reasonable satisfaction before requests are fulfilled. Each request must be mailed in a separate stamped outer mailing envelope. Requests that are sent in business reply envelopes, that utilize address labels or stickers (for any address), that are photocopied, hand-stamped, computer-generated or otherwise mechanically or digitally produced or reproduced, that are not mailed in separate outer stamped mailing envelopes, or that otherwise fail to comply with these Official Rules, will NOT be honored, acknowledged or returned, and the persons submitting such requests will forfeit any corresponding postage and unused envelopes.



ABOUT POSTING ON THIS FATWALLET THREAD
You have a McDonald's Code you want to share, Feel Free To Post it, People will love you for it
If you use a code, please let others know! It saves us all time, and it makes our code donors feel good.

RBM.........Redeemed by me
RNBM......Redeemed, Not By Me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!
Also if you know any McDonalds Gaming Tips, Feel free to share it here.




■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.


Toys, Games,& Collectibles Deals
g: 0 Posted By: BigBoyMichigan
Views: 0 Replies: 1 Were kicking off this years MONOPOLY at McDonalds game with a free code for our Facebook fans! Enter McDMONOPOLY when you visitwww.PlayAtMcD.comfor your chance at the $10,000 prize.

No Purchase Necessary. In-Store Game ends 10/27/14, or while supplies last. Pre-Promotion Sweepstakes for a chance to win $10,000 prize begins 12:00 a.m. ET on 9/23/14, and ends 11:59:59 p.m. ET on 9/29/14. Must be 13+ to enter and play online. Subject to Official Rules atwww.PlayatMcD.comand participating McDonald's restaurants. Monopoly 2014 Hasbro. All rights reserved. For online use.



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 OCTOBER ***

* .................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 OCTOBER 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.

Car "dinged" by rocks from a dump truck on highway
Added on : Friday September 26th 2014 08:00:18 AM
g: 0 Posted By: raringvt
Views: 85 Replies: 5 On my way back from lunch, I found myself behind a dump truck on the highway--as the title says, my car got dinged when the truck changed lanes & "rained" little dime sized rocks down onto the road, which bounced and hit my car. I got the license plate #, the company name from the side of the truck & tried to signal to the driver to pull over, but to no avail. I got off at my exit & assessed the damage.There are probably 5-6 small nicks in the paint on the hood & front part of the roof that I am certain are from this incident (I'm pretty anal about my car--so I would notice). Ireported the incident to the state police (VA) and they told me to contact my insurance company (State Farm)to file a claim. They provided me an 'incident number.'

I'm not sure how to proceed--I don't really want to file a claim through my insurer because the damage is somewhat minor and the costs of repair probably do not outweigh the potential for premium hikes and if my deductible were not recovered from the hauling company, it would all be out of pocket. I also have a pending homeownders claim for more serious water damage that is not yet resolved...so it would just feel weird to file another claim of any type. Would my best course of action be to contact the hauling company directly and see if they are willing to pay for the damages or file through their insurance? I'm sure they get crap like this all the time, and my guess would be they'll tell me to pound sand. I'm just pissed because of the (somewhat) diminished value of my vehicle due to their negligence in not securing their load properly.

Any advice is much appreciated.
Personal Finance Deals
Demand letter from previous tenant, respond?
Added on : Friday September 26th 2014 07:00:13 AM
g: 1 Posted By: sailinlight
Views: 56 Replies: 3 I had a tenant move out after going month-to-month after the expiration of their lease. About six months past into the month-to-month I gave them 30 days notice (per the lease, state law specifies 7 days) to move out since we decided to sell the house. Tenants were not happy about moving out, but things went relatively smoothly. Didn't do a formal move-out pre-inspection but I went over there to talk to the tenants and the place was a mess. They had three children and apparently didn't believe in discipline whatsoever. There were crayon and marker all over the walls, large and small holes in the drywall in many walls throughout the house, the kitchen was a mess, etc. They promised that everything would be fixed when the moved out. After move-out, the place was less of a disaster but not anywhere close to move-in ready. The drywall patches were extremely poorly done and required sanding and repainting, much of the marker on the walls didn't come out so required sanding and repainting.
Painting alone cost $800, plus there were other things like cleaning the oven, walls which didn't need repainting, grass needed reseeding where . They also owed about $500 in back rent for the first few weeks of the last month they were there which they didn't bother paying. Total security deposit was $1,000, and I withheld the other $500 for repairs/cleaning. I itemized charges well in excess of $500 and put a line at the bottom for goodwill negating the amount over what the security deposit would cover. They clearly weren't happy about this..
So yesterday I get a demand letter from an attorney asking for the $500 back or a lawsuit would be filed for triple the original security deposit. From reviews I found this law firm seems to handle mostly prepaid legal services, and the letter even said that further contact should be made directly with the former tenants, so I suspect the chances that they plan to retain the law firm for an actual suit is low, most likely if they do sue it would be in small claims I imagine.

How would you respond if at all? I am thinking one of these choices-
1) Ignore it and see if they sue
2) Respond back with the plethora of pictures I have (which I already sent with the original itemization) saying that I believe I was correct in withholding the deposit
3) Respond back stating that if a suit is filed, that I would counter-sue for the water damage they allowed to accrue in the basement, a bleach stain in the carpet which I didn't note in the original itemization because I didn't replace the carpet, dents in the refrigerator which was brand new, a new water heater to replace one that was working fine but they threatened to sue over stating all five of them couldn't take back to back showers and baths so the house was not fit for habitability, etc

I have no intention to pay them without a court order. They were the worst tenants I've ever had, called all the time for the most minor of things (they overloaded a GFI outlet once and made me come over to replace it because the sprinkler control box was on the outlet and said that if I didn't come fix it, they'd let the lawn die- all it needed was the reset button pressed), let the basement flood (then tried to complain about mold, which they also brought up in the demand letter) without notifying me for almost two days.

Thoughts? I promise to keep the thread updated for entertainment value (if there is any for anyone).
Personal Finance Deals
School Charging $1500 if a teacher leaves. Legal?
Added on : Thursday September 25th 2014 08:00:19 AM
g: 0 Posted By: biggsben
Views: 106 Replies: 6 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.
g: 0 Posted By: priyacg
Views: 111 Replies: 1 Jackery Bar Premium Battery Pack Aluminum External Battery 6000mAh Portable Charger Power Bank $23.95 Prime FS at Amazon

http://www.amazon.com/dp/B00DTXA578

High-capacity battery pack and portable phone charger with 6000mAh rechargeable external battery power capacity with 2.1A output. Add 22 extra hours of talk time or 2-3 full charges to your iPhone 6/ 5S / 5C / 5 / 4S / 4 ; 1-2 full charges to Samsung Galaxy S5, S4, S3, 200+ hours of audio playback. This external battery charger adds 200% -300% extra battery life.
The world's thinnest external battery charger; Fits easily into any bag or pocket; Compact, portable & stylish design; Easily fits into your bag to provide instant power; Perfect for long flights, road trips, or whenever you need to charge your mobile devices; often used as a substitute for a car charger, such as an iPhone car charger, dual USB car charger and iPad car charger.
Package includes: Jackery Bar External Battery, premium Micro USB to USB 2.0 cable.
Samsung grade A Li-ion polymer cell and premium microchips create high-quality portable charger; Premium aluminum case; Secured battery safety with 4 layers of smart safety protection circuit; Advanced power lock technology with standby time up to 6 months after fully charged. 500+ recharge cycles over the life of the battery.
Jackery Bar can be used for Samsung Galaxy S5 charger, Samsung Galaxy S4 car charger, Samsung Galaxy, S3 extended battery, Samsung Galaxy S2 battery, iPhone 6 portable charger, iPhone 5s portable charger, iPhone 5c charger, iPhone 5 charger, iPhone 4s portable charger, iPad external battery, HTC battery bar, and much more.
Batteries & Chargers Deals
eBay and gift cards
Added on : Thursday September 25th 2014 07:00:10 AM
g: 0 Posted By: hpmax
Views: 25 Replies: 1 I was looking for prepaid gift cards on eBay. I noticed that there are several prepaid cards that are selling for slightly below face value, and some selling for significantly above face value (in one case, someone listed a $300 card for $480). I have trouble understanding this. If the card were stolen (or obtained illegally) you'd think the seller would want to get rid of it at a discount. If the person is buying it with a stolen card, why buy above face value. Heck, they could just go to Staples and buy one with a credit card (either online or in store) for only a few dollars over face value. Yes, people could be trying to use up coupons or reward points (or earn them), but not sure why someone would be willing to pay that much over face value. There was a thread about this a while ago, but I never was really satisfied with the answers.

There is also another phenomenon that strikes me as odd. People are selling prepaid cards they are claiming have no value on them. One person listed 10 visa prepaid cards for $50. Why would someone pay $50 for a few worthless cards? Are the buyer and seller in cahoots and somehow willing to absorb a 13% hit on the transaction? Seems remarkably stupid.
CLC Bucket Caddy only $11.39 after coupon on AMAZON.
Added on : Thursday September 25th 2014 06:00:02 AM
g: 0 Posted By: dollarsanddeals
Views: 2 Replies: 0 Amazon has this at $13.89 which lowest on the internet (from a reputable site), plus is featuring a coupon for $2.50 off, $11.39 total. I bought this two months ago when it was on coupon (same price) and it is a wellm-ade and handy oranizer. It does not include the busket, but I threw away my old ripped up caddy and used the bucket I had. Lot's more pockets, and this feels much more durable, heavier material and buckles. I also have the bucket seat- I think it is handy to have.

http://www.amazon.com/Custom-Leathercraft-1119-Bucket-Organizer/...

this sold out fast last time, so I would not wait. Makes a great gift id nothing else. 4.7 stars on 97 reviewsRuggedly Built Custom Leather Craft 1119 bucket caddy and organizerThe CLC 1119 is an excellent solution for installers and repair technicians, DIY handymen, or even gardeners who need to transport tools quickly and easily. The tool bucket design incorporates pockets and sleeves of various sizes and configurations to hold a multitude of tools and small parts. The CLC 1119 is great for HVAC, satellite/cable television technicians or gardeners who what to have their tools close and a place to discard weeds. This tool bucker organizer includes 48 pockets and sleeves. It is also includes interior pockets to provide the contractor or gardener organization of tool groups. Fourteen double row pockets inside this bucket caddy and thirty four triple row outside organize a wide range of tools and gardening accessories. Custom Leather Craft has included a section to hold an extension cord and, pliers, screwdriver, and much more. This bucket garden caddy/tool bag also has a hook and loops.

Free mp3 - I Won't Be Alone Tonight by Melissa Etheridge
Added on : Wednesday September 24th 2014 10:00:13 PM
g: 0 Posted By: remick
Views: 90 Replies: 0 http://www.aarp.org/entertainment/music/melissa-etheridge-free-m...

Free Song Download Melissa Etheridge's 'I Won't Be Alone Tonight'
Enjoy the New Single From the Upcoming Album 'This is M.E.'

AARP The Magazine, October/November Issue 2014

"When you hear this album," says Melissa Etheridge of This is M.E., "you're not going to be able to sit still. Youll want to put this on in your car and drive somewhere."

"I Wont Be Alone Tonight," which you can download for free below, makes fine use of the throaty alto that has earned the 53-year-old singer, songwriter and guitarist five platinum albums and two Grammys. While much of the CD captures her happiness at falling in love with Linda Wallem, whom she married in late May, "I Wont Be Alone Tonight" finds the rocker in a wistful mood.
Totally Free Deals
g: 0 Posted By: Savvymommy03
Views: 218 Replies: 0 WalMart has theEureka Portable Enviro Steameron sale for $19.98 w/ free in-store pickup.

Handheld steamer with Clean Burst Technology
Hygienic cleaning
Comes with an Enviro Kit
Chemical-free cleaning
Safer for your family and the environment
Clean surfaces in every room
Lifts stubborn stains, grease and grime in kitchen
Helps remove mold build-up, grout stains, mildew and much more
Perfect for home and commercial use

Home & Garden Deals

Walmart Coupons
can I do better ? PHL to BOD
Added on : Wednesday September 24th 2014 09:00:15 AM
g: 0 Posted By: mikebeets
Views: 41 Replies: 0 $1,075.50 per person RT : PHL to BOD

earliest I can leave is 14 Oct and I don't want much later than about 22 Oct. Trip about 3 or 4 weeks, for 2.
Want to spend as little as possible, but trying to avoid more than one stop.

PHL-MAD - Thu, Oct 16 - Dep: 6:40PM - Arr: 8:25AM - BA
MAD-BOD - Fri, Oct 17 - Dep: 4:45PM - Arr: 6:00PM - Iberia

BOD-MAD - Wed, Nov 5 - Dep: 9:15AM - Arr: 10:30AM - Iberia
MAD-PHL - Wed, Nov 5 - Dep: 1:10PM - Arr: 4:05PM - BA

We have been to Madrid a few times, but the 6h+ lay-over could be used for a minimum sight seeing.
We may even consider spending one extra day there.

Can I find a lower price for my flights ?

I have checked mostly Matrix, AA all carriers & Travelocity, going thru Toronto, Barcelona, Zurich, London, Amsterdam.
None of those seem to be as convenient.

Thanks in advance
Discussion Deals
4 Section Climb-N-Crawl Caterpillar $189 Fs Amazon (reg $270+) Lightning Deal
Added on : Wednesday September 24th 2014 05:00:05 AM
g: 0 Posted By: tedhawkins
Views: 95 Replies: 0 4 Section Climb-N-Crawl Caterpillar $189 Fs Amazon (reg $270+) Lightning Deal

http://www.amazon.com/dp/B000F3UJ4E

The Climb-N-Crawl Caterpillar

Climb in, on, or around "Gus" the climb-n-crawl caterpillar from ECR4Kids! Children will have so much fun discovering this charismatic caterpillar climber specially designed for use indoors or out. Featuring four brightly colored body segments, a happy face and tail, this climber can be assembled in numerous configurations to entice preschoolers to climb, crawl and interact. Large boot-shaped "feet" hold the unit firmly in place for safety and stability.


Ideal for the Imagination

Gus, the climb-n-crawl caterpillar, is an exciting active play item for use indoors or outdoors. His smiling face features moving eyes and a giant red tongue, enticing children to come play! They love making him their own personal jungle gym by crawling through the tunnel, climbing overtop and peeking through the holes along the body. Parents can feel safe with children climbing on this durable structure. It's so much fun to watch, you won't want to miss it!


Brighten up any Space

The cheerful colors of the rainbow make everyone happy, and Gus is designed with that in mind. Brightly colored body segments in attractive blue, red, yellow, green and purple make this caterpillar a showpiece for your playground, classroom, backyard and even your playroom at home. Each colored piece is a separate section allowing you to configure them to fit your unique space. Children can have fun helping to assembled by choosing how they want their GUS to look: matching boots and body pieces or random placement for a unique appearance.


It's a snap!

Easy assembly is extremely important and Gus is about as easy as they come. The only tool you'll need is included, a brightly colored plastic screw driver because even the assembly should be fun. Body segments snap together and are secured with the quick turn of a plastic screw. Quick and easy assembly means playtime can start even sooner!

About ECR4Kids

ECR4Kids is committed to developing and distributing the highest quality classroom furniture and equipment. Their focus and commitment continues to be centered on value-added features, functionality and performance with their products while providing optimal service. With a concentration on the Pre K-12 sector, ECR4Kids offers a wide range of products from tables, chairs and desks to cots, mats and a variety of case-goods in solid wood as well as scratch resistant double-sided laminate. All ECR4Kids products have gone through rigorous testing for both safety and functionality from start to finish. Their products are GREENGUARD Certified for Children and Schools indoor air quality as well as CPSIA approved. This process and certifications assures parents, teachers and school administrators that ECR4Kids products are safe to use.

What's in the Box

Four heavy-duty blow molded plastic body segments, head, tongue, tail, 10 feet, instructions, and all necessary hardware and tools for easy assembly
Toys Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 160 Replies: 0 Sold by Lepow Official and Fulfilled by Amazon.

free shipping with Prime or on $35+

wLarge capacity of 13,000mah that is capable of charging plenty of devices. Charge Iphone5/5C/5S almost seven times, and Samsung Galaxy S4 four times
Output: 5V/2.1A charge your devices at a high speed
Portable design with a smooth-edged rectangular shape and Integrated micro USB for convenience.
Smart sleep mode allows the battery to save power, four LED indicators show you how much power left easily.
12-month warranty. * Please contact seller Lepow Official for exchange or return if it's over 30 days Amazon window

www.amazon.com/dp/B00KKHNAKK/
Lepow Deals

Amazon Coupons
Why does PenFed push their 5/5 ARM so much?
Added on : Tuesday September 23rd 2014 03:00:06 PM
g: 0 Posted By: fryth
Views: 89 Replies: 2 It is pretty obvious that this is the product they want everyone to go into. Is it because the current fixed rate is too low for them make it worth their while holding your loan? So they hope you go with the 5/5, knowing that the rates will be going up down the road? But that doesn't make a lot of sense either as so many people will refi around the first 5 year rate reset.

It's just strange how other banks want people to be in fixed loans to avoid the problems in the housing crash with the ARMs.
Discussion Deals
Home Closing Problem - Seller breaches contract?
Added on : Tuesday September 23rd 2014 11:00:10 AM
g: 0 Posted By: Luser
Views: 194 Replies: 3 Hi FWF,

You guys have give good advise in the past and I wanted to know what your opinions are.

I am pursuing in purchasing a 2 family house in New York. It has a clean title. My attorney is not offering advise at this point except to wait for the seller attorney's response. The contract of sale required the seller to do extermination of termites with 1 year warranty. Also deliver a "broom sweep and clean"apartment before or on the closing date. This is fairly common I believe. I ask the seller attorney to produce the extermination report many time, but his reply was it will be provide at closing. 30 mins before closing I find out extermination was never taken care of. I backed out of the closing.

Long story short: The seller decided not to do either requirements on the contract, because I believe he can think he could have sold the house for much more.

Other terms in the contract is the seller may live in the resident for up to 3 months after the closing. I have 10K escrow if the don't move out or damages. I am willing to buy, but I have to pay for gas and electric for the next 3 month while seller lives there.

What are my options while my deposit is being held? My lender is in limbo and waiting for an answer. Should I tell my lender that I don't want to borrow from them anymore until the seller makes a decision?

What should I do to minimize cost? Already spend about $2000 for appraisal, inspection and etc...



Question Deals
Field & Supply Air Gun Extravaganza from $33.99
Added on : Tuesday September 23rd 2014 08:00:03 AM
g: 0 Posted By: momotarosan
Views: 108 Replies: 0 Umarex is one of the world's top manufacturers of air guns, whose world-class portfolio of brands include Beretta, Walther, RWS, Hmmerli, Beretta, Colt, Smith & Wesson, HK, Ruger, Browning, and much more. Air Gun Extravaganza

Some examples of the air guns:
Ruger Mark I .177 cal Air Pistol (Black)600 FPS. Spring piston. Break barrel. Single-shot. Fixed blade fiber optic front sight.
$49.99 (list $78.25)

Smith & Wesson M&P R8 .177 cal Revolver Air Pistol (Black)
$57.99 (list $77.50)
420 FPS. Exact replica of the M&P R8 firearm. Powered by 12g CO2 cylinder.

Smith & Wesson M&P 40 .177 cal Air Pistol (Black/Brown)
$33.99 (list 43.75)
480 FPS. Exact replica of M&P 40. CO2 powered. 19-capacity drop out magazine.

Guns & Ammo Deals
g: 0 Posted By: tedhawkins
Views: 139 Replies: 0 Risen 3: Titan Lords for Xbox 360 and PlayStation 3 $ FS Amazon

http://www.amazon.com/gp/goldbox/all-deals

Freely explore, playing different parts of the game in the order you wish and shape your unique adventure; take on quests at your leisure, each which will have different ways to tackle them and with different outcomes
Discover quests and characters as you traverse this world in a variety of ways from swimming to climbing; quaint medieval-style towns to deep into the dank dark of mines, to the supernatural shadow world, there is much waiting to be explored
Risen 3 - Titan Lords is made for players looking for a more classic experience, that hearkens back to the day when games refused to hold your hand and left your path and destiny up to you
Crystal magic has returned, bringing with it devastating new combat abilities; Wield elements such as lightning, fire and ice to obliterate your foes, or make use of a multitude of additional magical skills to aid you in exploration - the choice is yours
Choose to ally yourself with one of three distinct guilds, each offering unique skills, armories and quests allowing you to approach your adventure in very different ways
Video Games Deals

Amazon Coupons
11 Great Mac Apps - 90% off (save $445) Limited-Time
Added on : Tuesday September 23rd 2014 01:00:04 AM
g: 0 Posted By: xyankee
Views: 118 Replies: 0 MacUpdate has put together another solid collection of Mac apps for $49.99 (retail: $495)

One thing that jumps out at me is how many of these titles cost as much (or more) than the bundle by themselves, and they're all pretty good apps that have been updated recently. Not much filler or bait-n-switch pending-paid-upgrades (about to be obsolete versions), which is nice to see for a change.

The lineup:
1. Toast 12 Titanium- $99.99 - The best multimedia toolkit for Mac (media burning/encoding/etc.)
2. Ember- $49.99 - picked "Best Mac App 2013" in the Mac App Store by Apple; this is a great productivity booster
3. NoteBook 4- $49.95 - Awesome for students or organizing ideas.
4. Tonality Pro- $69.99 - Black & White photo editor. Pretty niche, but the non-Pro version and popular and well-rated in the Mac App Store.
5. Scrivener 2.5- $44.99 - Pretty much THE best writing app for any platform.
6. iMazing- $29.99 - iOS device manager; lets you copy music to/from any device no matter what computer it's synced to, use your iOS device like an external drive, download voicemails/sms/call logs, etc... all this good stuff you can't do with iTunes.
7. Bookends 12- $59.99 - Bibliography app, guess it maybe appeals to students.
8. Mac DVDRipper Pro 5- $24.95 - Just released, the best DVD ripper by far.
9. NetShade 6- $45.00 - 6-months of VPN+Proxy service.
10. iStat Menus 5- $19.00 - Monitor your Mac from the menu bar; I consider this a must-have (but already own it, obviously).
11. SimCity 4 Deluxe Edition- $19.99 - This is like 10 years old but was apparently updated earlier this year.

The value for me is in Ember, NoteBook, Scrivener, iMazing, and iStat Menus. NetShade is probably also pretty handy if you're on public Wi-Fi networks, but I usually just tether via my iPhone.

Overall, a pretty good Mac app deal, maybe the best one I've seen this year.

MacUpdate Bundle
Macbooks Deals
$128,430.01 in student loans, what to do?
Added on : Monday September 22nd 2014 02:00:12 PM
g: -1 Posted By: CinderellaMan
Views: 178 Replies: 7 Is there an online forum that focuses on discussions of repayments of student loans?

Here is my situation (will simply ignore those who wish to bash my situation. Yes I know its that of a debt slave and yes I would do things differently if were to do again)

Income of 50,000 and spousal income of 30,000 per year before taxes. Here are the monthly options I'm getting for repayment:

Graduated 498.46
Income Based: 101.70
Standard: 1,159.84
Extended Standard: 789.86
Extended Graduated: 562.48
Income Contingent: 368.14

Income based is of course tempting but something tells me there must be a catch hidden to it in the future.

These are the basic pros/cons SUPPLIED BY THE LENDER:

Graduated:This plan sets low monthly payments that gradually increase every two years.Advantages

When making graduated payments, you begin repaying your loans at a lower payment amount than on the Standard Repayment Plan.
Your payment amount will increase every two years; however, your highest payment will never be larger than three times the amount of your first payment. For example, if your payment started out at $50 for the first two years, increased to $65 the next two years, after 8 years, the highest payment would be no more than $150.

Disadvantages

The amount of interest paid over the life of the loan is higher with this option compared to the Standard Repayment Plan.

Income Based:Your monthly payment amount is based on a formula that uses your Adjusted Gross Income, total indebtedness, and family size. Any balance remaining after 20 or 25 years (depending on your loan term) on an IBR plan is forgiven.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Designed to make your (and your spouses if applicable) monthly student loan payments more closely match your income.

Disadvantages

Every 12 months, to re-evaluate the payment amount, you must certify your adjusted gross income and family size.
If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Pl

Standard:This plan has set scheduled monthly payments for the life of the loan.Advantages

Standard is the most commonly chosen repayment plan.
The minimum monthly payment is determined by the amount of the loan and the length of the repayment period.
Generally, this plan is the most economical method of repayment.

Disadvantages

This plan typically has the highest monthly payment amount; however, it allows you to pay off your loan faster, saving you money.

Extended Standard:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Extended Graduate:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Income Contingent:Your monthly payment is calculated based on your Adjusted Gross Income (and your spouses Adjusted Gross Income if you are married and filed a joint return or request joint repayment), family size, and the total amount of your outstanding eligible Direct Loans.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Under this repayment plan the repayment term may be extended to up to 25 years.

Disadvantages

If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Plan.






Question Deals
Is this time to Buy a new home
Added on : Monday September 22nd 2014 01:00:17 PM
g: 0 Posted By: ggmon
Views: 120 Replies: 1 I am in market to buy a new home. Planning to make move(much better school district) for my kid who is going to be in high school in a year.
I have been burned once with the financial crisis.
With interest rate issue popping up I am wondering if this is a time to get into the housing market.
One school of thought is that interest rate goes up , affordability goes down , less buyers , more inventory , price goes down.

At the same time don't want to be too late as my child will have a problem in getting accustomed to the new environment.
Question Deals
Getting a TransUnion Credit Report after auto loan denial
Added on : Monday September 22nd 2014 04:00:11 AM
g: 0 Posted By: Savyasachi
Views: 32 Replies: 0 Hello folks,

First time new auto shopper, applied for an auto loan with Chase and they denied it (in spite of pretty good credit score). They sent a letter stating I can get a free credit report from Transunion. I tried getting it online and their screwed up website could not verify my identity (this REALLY surprises me). This has happened in the past too, when I tried to get free annual credit report. Since then, I ALWAYS send a mail to get one.

I called the number provided by Chase on the letter and got a report request rolling. During this phone call, it didn't check the eligibility for a credit report, so I am not too sure if it calculated it as a free annual credit report or as a consequence of auto loan denial. (I get my annual credit reports from all agencies, with a margin of 4 months.) FWIW, I signed up on their website, as it was mandatory to proceed to get the free report, as a result of auto loan denial (I had to enter how I qualify for it).

My questions are
- How do I figure out what TransUnion calculated it as, a free annual credit report or a credit report as a result of auto loan denial?
- I made an account on their website. A quick look, I didn't find any way to delete it. I was pretty much sure while signing up that this is a one way road, still any idea if I can delete the account?

Thanks in advance.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 136 Replies: 1 ViewSonic VSD220 22-Inch (21.5-Inch Vis) Full HD 1080p LED Touchscreen Smart Display and Android 4.0 ICS All-in-One $245.99 Fs Amazon lightning deal

http://www.amazon.com/gp/product/B00906HOEKPC-less computing is at your fingertips with the new ViewSonic smart display. Enjoy a terrific Android browsing experience on the high powered VSD220 21.5" display with dual point optical touch. Google Play gives you full access to thousands of Android apps. Powered by TI's multi-core OMAP processor, you'll always have super responsiveness and amazing performance. So it's fast and easy to connect with people on social media, watch movies and so much more. You won't miss a moment of the action with your friends and family thanks to the 1.3 megapixel webcam with integrated microphone for video chatting. Stay in touch at your workplace with wireless and Bluetooth connections for instant access to email, data, documents, and multimedia. You can even use the VSD220 as a full HD touch monitor* for your laptop or PC, with the handy HDMI and USB ports. So go on: surf well, watch jitter-free video, game happily and explore apps to your heart's content.Key Features:

22 (21.5 viewable) LED smart display with TI OMAP 4430 processor
Featuring Android 4.0 Ice Cream Sandwich operating system
1920x1080 Full HD resolution to support imaging intensive commercial applications, video and image editing and entertainment
Dual Optical Touch screen with 8H protective glass provides excellent touch experience and durability
Integrated 1.3MP webcam with microphone for convenient communication and video conferencing
Stereo speakers with SRS 3D Technology and headphone jack for crystal clear sound options
HDMI digital input for connection to external PC, notebook, tablet, or consumer electronics
USB peripheral and storage inputs: 2 Type A USB + 1 micro USB and micro SD card reader
VESA mountable design, 100mm holes ready for full ergonomics and comfort
Kensington lock slot for optional security
Backed by Viewsonics industry leading 3-year limited warranty

Surf BigSurf the web, access the cloud, in HD style Just like on your PC or notebook, you can access the web and cloud applications with the embedded web browser. Whether viewing your favorite news channels, checking your email, video chatting with friends and family, downloading new dinner recipes or just working on files through Google Docs, the VSD220 Smart Display is your perfect connected device to the internet. Always connected, wireless or ethernet You can stay connected with either Wireless or Ethernet connection, it's your choice! Just plug in the VSD220 and turn it on and you are instantly connected. You'll experience blazing access to web browsing, cloud based apps or streaming media .Compute with an Awesome CombinationTI Processor+ Android
Get where you want to fast. Enjoy the snappy responsiveness, and smooth, jitter-free HD media content with the outstanding combination of an IT OMAP 4430 processor and Android 4.0 Ice Cream Sandwich OS. Google GMS certification means youll have access to all the latest Android apps in the Google Play Store. making the VSD220 a well equipped alternative to traditional desktop PCs and AIO computers
Imagine all your favorite apps, on a 22 Full HD screen
Get all your favorite apps on your VSD220 Smart Display! Explore hundreds of thousands of apps on the Google Play Store, and enjoy handpicked entertainment and productivity apps from ViewSonics own Appzone. Your Android world just got a whole lot bigger!Stay ConnectedKeep in touch with friends and familyLike, follow and connect with your friends and family through your social networks. Reply to email using the standard email apps or the embedded browser. Share photos, play YouTube videos or video chat with the integrated webcam.Play HardGame Bigger
If you love Angry Birds on your cell phone, imaging playing on a generous 21.5 Full HD 1080p screen, with 5ms response time and integrated speakers. The VSD220 gives you the ultimate Android gaming experience.
Game Better
Turn the VSD220 into gaming monitor. Simply plug in your gaming console using the HDMI connector. The SRS 3D sound technology completes the package with outstanding stereo performance.
See it All
A fast response time and Full HD resolution makes streaming HD media content and watching movies more exciting than ever. HDMI input also allows you to connect a Blu-ray player or set top box, and enjoy all your favorite movies or programs with the VSD220 Smart Display.Windows on Android, Yes!The VSD220 is Citrix certified which provides users secure, fast and convenient access to remote desktop and applications on their Citrix servers in a familiar Windows environment. This makes the VSD220 a perfect thin client device for Education, SMB and Enterprise customers. Citrix Receiver app is available for download on the VSD220 product page on ViewSonic.com and also Google Play.Use it Your WayGetting started with your VSD220 Smart Display is as easy as plugging it in and turning it on. You can enjoy the touch interaction with the dual point optical touch or connect a USB keyboard and mouse if you prefer. You'll find two full size USB ports along the right edge of the display. You can also connect your Bluetooth devices wirelessly for added convenience.Peace of MindThe industry leading pixel performance guarantee and 3-year limited warranty, makes ViewSonic a market leader commitment to quality. ViewSonic is dedicated to using the highest grade panels and offers solid products you can count on.Other features:Corporate names & trademarks mentioned herein are the property of their respective companies.
Copyright 2012 ViewSonic Corporation. All rights reserved.Product Description VSD220 22-Inch (21.5-Inch Vis) Smart Display with 1920x1080 Full HD resolution, features a TI Dual Core ARM Processor and Android Ice Cream Sandwich (4.0) OS. With full Google GMS certification, users can enjoy diverse Android multimedia applications such as social networking, cloud services, and online video. Versatile connectivity options include Micro HDMI, Three USB ports (2 x Type A and 1 x Micro USB OTG), Micro SD Card, RJ45, headphone jack, and 1.2M pixel webcam with integrated microphone for video conferencing. Wireless and Bluetooth network connections provide instant access to transfer data, documents, and multimedia files. In addition, the VSD220 can also operate as a traditional 22-Inch Full HD display via HDMI to your PC/Laptop for office work, or for surfing the internet and gaming. Integrated speakers with SRS premium sound complete the package for your multimedia enjoyment.

Monitors Deals

Amazon Coupons
7 Common Mistakes When Shopping With Coupons
Added on : Monday September 22nd 2014 03:00:05 AM
g: 0 Posted By: cpamykel
Views: 169 Replies: 1 1. Clipping Every CouponI used to cut out each coupon, one at a time, from the nine coupon inserts that we receive with our newspaper. Then I learned the time-saving secret that 1st graders use in art class. Stack like pages together from all of your inserts first, and then cut them out, using a single action.If you use the coupon binder method, this saves you a lot of time. If you use the whole insert method of storing your coupons, put like pages together, and file the entire inserts. Use a paper cutter for cutting multiple inserts. In addition, make sure to quickly scan the coupon inserts and discard coupons you dont need. This makes sorting quicker and easier.2. Buying Every Great DealOnly buy items that you need to buy. Otherwise, you will buy products you do not need, or buy products that expire before you have a chance to use them. Jumping on every great deal out there significantly lightens your wallet, and defeats the whole purpose of couponing.3. Buying Anything on SaleJust because an item is on sale doesnt mean it is a good sale. An item thats usually $2.99, and has a sale price of two items for $5.00, isnt much of a sale.Wait for a better sale to splurge and use your coupons. When you use your coupons for items that are deeply discounted, you will save the most money.Before you buy an item, calculate the price of the discount item, plus your coupon savings, to see if the resulting price offers a real savings.Remember, you set the price you want to pay for an item. If a stores sale prices and your coupons wont save you enough money, dont buy the item!4. Using a Coupon on a Full-Priced ItemIf you use a $1.00 off coupon on a full-priced box of cereal priced at $4.99, you dont save much money. This actually violates the two tenets of extreme couponing: Only buy items that are on sale, and combine that sale with one or more coupons.Wait until the cereal is on sale to use the coupon. For example, if the store has a two for $4.00 promotion, charging $2.00 for one box of the $4.99 cereal, you can buy the cereal, use the coupon, and only pay $1.00 for the box. Thats an 80% savings off of the original price! You are not obligated to buy two boxes on a sale like this.5. Printing Coupons You Dont UseOnline printable coupons from websites like Coupons.comcan save you money. However, you must use computer paper and ink to print the coupons, which costs money and wastes paper. Many people print every online coupon available, and then throw most of them away. Print online coupons as you need them, to use during store sales.6. Being Brand LoyalPost or Kelloggs Raisin Bran? Skippy peanut butter or Jif? Which brands should you buy? The answer: Whichever one you can get for free or close to free using your coupons.Many people start down the road to extreme couponing because of a major impetus in their life, like a loss of income, a baby on the way, or too much debt. This is not the time to be brand loyal. You need to save money, and you cant do that if you pass on good deals because you prefer a different brand.If you can buy a necessary item for free or close to free, dont worry about the brand; just take advantage of the savings.7. Using Every CouponSome coupons dont represent a real savings. For example, a coupon for $0.50 off of two boxes of brand name cereal wont result in a real savings. Thats only $0.25 off each box of cereal. Even during a good sale, the coupon may not take the total price down to what you want to pay for the cereal. Wait for a better coupon and for another sale.Sometimes you will have good coupons but no sales on the items you need, and the coupons approaching expiration date. Let them expire! You dont have to use the coupons and make mistake #1, using a coupon on a full-priced item.Our family routinely throws out expired coupons because the items didnt go on sale, the sale wasnt good enough, or the coupon wasnt enough of a savings. Pass on deals that dont represent a true savings. If you really need the item, buy one or two of them now, and wait to buy in bulk until the item is discounted.
Discussion Deals
g: 0 Posted By: drdarton
Views: 190 Replies: 0 Portable 550ML Glass Water Bottle - Black Sleeve with Tea Infuser for $13.99 AC + FSSS @ Amazon.com

A pretty nice design I loved so much that would recommend it to everyone. I bought it at original $16.99, but now the price is lower with code: N6KWK28A

http://www.amazon.com/gp/product/B00DAPNZVI/?smid=A2GCEYB8LLXDKW

Select 550ML

- Travel and car tumbler for beverages; Convenient to carry
- Nylon cover makes this mug easy to hold; fits most standard car cup holders
- Silicone ring around tea strainer is leak-proof, odor-free and environmental health
- Made of ultra clear borosilicate glass (not plastic), heat-resistant, no worry of BPA or plastic taste
- Hand washing recommended; lid is dishwasher safe
Home & Garden Deals

Amazon Coupons
UFC - PlayStation 4 or Xbox One 29.96 @ Amazon
Added on : Monday September 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 free shipping with Prime or on $35+

Real Damage: Every fighter knows that one good shot can ruin your day. EA SPORTS UFC introduces a non-linear damage system which can result in big damage coming from a single strike. The system produces a greater variety of cuts and contusions.
Dynamic Striking: A mixed martial artist uses the environment to his advantage and for the first time in a UFC game, you can too. A dynamic environment allows you to pull off jaw-dropping moves using the Octagon, including roundhouse kicks, superman punches and much more. Combine those abilities with the best striking technology in the industry and that one perfect strike could change the fight.
Real-Time Exertion: A UFC bout is one of the most physically demanding sports on the planet requiring mixed martial artists to give it their all with every movement. Real-Time Exertion brings each moment of that action to life in your gameplay experience. Through real-time vein popping, skin discoloration, muscle flex, as well as signs of fatigue setting in through the course of each round, you will witness the effort it takes to be one of the best fighters in the world.
Fighter Likeness and Facial Animations: EA SPORTS UFC will set a new bar for character likeness and emotion in gaming. For the first time in an EA SPORTS game, every single licensed athlete in the game has been created from high resolution 3D head and body scans to deliver revolutionary character likeness and authenticity. Powered by EA SPORTS IGNITE, new facial animation technology delivers more expression, emotion and will communicate greater sense of awareness and intelligence in the Octagon.
Strategic Submission Battles: To own the belt, you have to be dominant on your feet and on the mat. EA SPORTS UFC re-invents the ground game to create a battle for position and control that captures the strategy of a submission battle. Like the real sport, in EA SPORTS UFC fighters will work through multiple stages as they work to advance or escape from a fight-ending submission.

www.amazon.com/dp/B00CXCCH1I/
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Is buying land a good investment?
Added on : Sunday September 21st 2014 02:00:10 PM
g: 0 Posted By: butler21
Views: 45 Replies: 1 I graduate college and have been working for approximately 8 months. I was able to land a great job and have been looking into buying some investment property/hunting land. While browsing I came across about 43 acres for sale in a prime hunting location. They are asking a hair over $63,000 for the property. 22 of the 43 acres have been clear cut about 3-4 years ago. The price per acre comes out to be around $1,400. All the property around here is selling for north of $2,300. I come to you guys to see if this is a good idea. I am on the road a lot for work and won't be stable for a while so I don't plan on buying a home anytime soon. I was thinking about putting $5k down on the property and financing it over 15 years. This would give me a rough note around $5-600 a month. The only other loans that i currently have are a student loan that has a balance of around $7,000 and a truck loan that has a balance around $26,000. I currently have $4,000 in savings and $2,000 in checking. (I just put $10,000 down on a new truck) I currently make approximately $1,800-$2,000 a week and $7,500-$8,000 a month. I rent an apartment for $900 a month and after all bills and notes i usually end up paying around $2,000 a month. Should I jump on this property? I feel it is a great investment. I will have a great place to hunt and spend weekends in the woods and also make a profit in the long run. The feel the reason the property is selling so low is due to it just being clear cut. I plan to let it grow back up and then sell the timber when its ready in 10-15 years. I came to this site to find some helpful hints and some honest opinions. I know I don't have much in my savings yet because I just bought a new truck but I feel I am financially stable enough to put down some money on this property by the end of the year. What do y'all think?
g: 0 Posted By: y2kjackal
Views: 217 Replies: 0 Great camera. Refurbished.

From Canon Site
The PowerShot SX40 HS is a versatile compact point-and-shoot camera that easily captures amazing photos and videos. The Canon HS SYSTEM boosts low-light performance with the new Canon DIGIC 5 Image Processor and a high-sensitivity 12.1 Megapixel CMOS sensor. This advanced Canon technology delivers stunning image quality with reduced noise and blur. Colors are more vibrant and white balance is true-to-life. The 35x Optical Zoom offers incredible reach and range, allowing you to shoot any scene, near or far. The Optical Image Stabilizer helps images come out steady and clear, and a 24mm ultra Wide-Angle lens makes it easy to take pictures of large groups of people, tall buildings, expansive landscapes and much more. The camera also features a 2.7-inch Vari-angle LCD for great shooting flexibility. Packed with an array of powerful technologies, the PowerShot SX40 HS is a convenient digital camera capable of brilliant image capture.

Offer valid September 21, 2014 12:00 a.m. through September 27, 2014 11:59 p.m. ET. Offer valid in U.S.A. only.

Free Ground Shipping

http://shop.usa.canon.com/shop/en/catalog/cameras/refurbished-powershot-digital-cameras/powershot-sx40-hs-refurbished?WT.mc_id=C126149
Cameras Deals

Canon Coupons
How I finally Managed to Ditch Fiat Currency Without Embracing Bitcoin.
Added on : Sunday September 21st 2014 09:00:08 AM
g: -1 Posted By: eddierd
Views: 131 Replies: 2 I came across this article (I am not the person who wrote it). I wanted to get the opinion the FW's regarding this way of paying your bills. Sounds quite interesting. Here is a piece of the article and (because of copyright issues) I give you the link where the article continues:

Well, I stopped using greenbacks for the most part. This is how. There is an organization in my state called UPMA and they convert my FRN into gold and allow me to spend it in any denomination that I want. They can legally do that because Utah has reauthorized gold and silver as legal tender. Let me explain how it works.Every month I deposit over $1,000 of Federal Reserve Notes into my United Precious Metals Association account and those are converted into "U.S Treasury" Golden dollars. $50 gold dollars is the face value of one ounce of gold so one gold cent is worth about a quarter. My $1,000 from work turns into about $43 in gold.With this account I can pay people and businesses directly in gold. I can withdraw gold in denominations of $50 (or one golden eagle). Chase bank and Discover accept gold payments. So do hundreds of other merchants. I can pay everything with gold and for the services where they don't accept it I can use a credit card and pay that off with gold. What this does is that it turns the money that I use everyday back into gold. Gold is money when it is used as money. It is an asset when it sits around. To open an account or to check out the details I recommend going to their website. The Attorney General of Utah has thrown his weight behind this. It has been really great. You can use it out-of-state and you can even use it to pay merchants that want FRNs without much of a penalty. You need to login to read the user agreement. That is where many of the details are regarding costs and whatnot.If you make 10 or fewer transactions and hold less than $50 in gold and make no more than 1 transaction from gold dollars to FRNs then it is a free account. The fees a very reasonable. For example, it costs 10 gold cents (like $2.50) as a service fee if you have more than $50 in your account.


Short Article Continues:http://www.dailypaul.com/326494/how-i-finally-managed-to-ditch-f...

PS FRN means Federal Reserve Notes i.e.US Dollars
Discussion Deals
g: 0 Posted By: TOTOSAMOAMONI
Views: 464 Replies: 0 All new and used digital pianos / portable keyboards are 15% off until 9/21/14.

Sale isn't advertised on their website so I'm not sure if this is for all Sam Ash stores.
I went to the SAs in Cerritos and Westminster and there were signs everywhere about the piano sale.

I've been looking for an affordable DP for the past few years.... these things rarely go on sale. Currently online for $799.99.. pretty much everywhere.

With tax and a $55 2 year warranty (on top of manufacturer warranty, so total of 3 years), out the door cost was 796.19.

Thank goodness I qualified for the 12-month interest free financing, otherwise, this post wouldn't exist

Amazon Review

Electronics Deals

Sam Ash Coupons
g: 0 Posted By: TOTOSAMOAMONI
Views: 177 Replies: 0 All new and used digital pianos / portable keyboards are 15% off until tomorrow (9/22/14).

Sale isn't advertised on their website so I'm not sure if this is for all Sam Ash stores.
I went to the SAs in Cerritos and Westminster and there were signs everywhere about the piano sale.

I've been looking for an affordable DP for the past few years.... these things rarely go on sale. Currently online for $799.99.. pretty much everywhere.

With tax and a $55 2 year warranty (on top of manufacturer warranty, so total of 3 years), out the door cost was 796.19.

Thank goodness I qualified for the 12-month interest free financing, otherwise, this post wouldn't exist

Amazon Review

Electronics Deals

Sam Ash Coupons
g: 0 Posted By: ctgolfer
Views: 26 Replies: 0 Winner of Creative Child Magazine's 2014 Product of the Year Award in the Kids Room & Dcor category, Delta Children's Disney/Pixar Cars Toddler-to-Twin Bed with Lights and Toy Box races into bedrooms with its fun and functional design.

Creative Child Magazine's Awards Program is unique in that all products submitted are reviewed by moms, music educators and early education professionals. Products are not reviewed by any one person. They are reviewed by many people-the very people who purchase them.

The Disney Cars Toddler-to-Twin Bed w/ Lights and Toy Box from Delta Children is designed to resemble your little one's favorite character, Lightning McQueen! Offering authentic race car style with a steering wheel, spoiler, working headlights and built-in storage space under the hood, it makes playtime and bedtime much more fun. Easily convertible, it goes from a toddler bed to a twin bed by switching out a crib mattress for a twin mattress. And once it's converted to a twin bed, the built-in storage becomes an oversized toy box, providing plenty of space for toys, blankets or books. Pair the bed with any of Delta Children s other Cars products for a race-winning look. Disney - Cars Lightning McQueen Convertible Toddler to Twin Bed with Lights and Toy Box: Recommended for kids of all ages, toddler version holds up to 50 lbs. Made from durable, molded plastic Easily converts from toddler to twin by switching out a crib mattress for a twin mattress (not included) Box spring and optional Bunkie board (not included) Built-in toy storage converts to an oversized toy box when twin bed is in place Headlights require three L1154 batteries (included) Headlights automatically turn off after 15 minutes to help preserve battery life Assembled dimensions: 94 x 47.5 x 22.5 Officially licensed by Disney Made in USA


www.kmart.com/delta-childrens-disney-cars-convertible-toddler-to...
Theo Klein Bosch Junior Workbench $29.99 + SH @ Woot
Added on : Friday September 19th 2014 10:00:04 PM
g: 0 Posted By: ctgolfer
Views: 145 Replies: 0 shipping adds $5

Crafting a digital mine on a computer, in cyberspace, is not a marketable skill
Teach your kids to be useful, by letting them play with REAL tools, and use their REAL organic non-polygon hands.
Stands over 27" tall
Comes with a saw, hammer, pliers, vise, hand screwdriver and much more
Great for your aspiring carpenters
Made from plastic
Adult assembly required (takes approximately 15 minutes)

http://kids.woot.com/offers/bosch-mini-junior-workbench-1
Toys Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 167 Replies: 0 6" (15 cm) touch screen
Safe and easy navigation on the big screen. See your next instruction better on biggest and sharpest screen yet. Bigger menus and buttons on the extra-large 15 cm (6"), high-resolution screen make input a touch simpler.
Split screen junction view
See two views at once and never miss an exit. In one glance, see a 3D view of road signs with arrows indicating which exit to take and a "birds-eye" view of complex intersections on your route.
IQ routes
The world's biggest database of real travel times is built into every TomTom device. Which means you'll get the fastest routes and most accurate arrival times. It's genius!
Advanced lane guidance
Clearly shows which lane to take at junctions so you don't miss your turn. On the most difficult highway intersections, realistic 3D representation of the junction keeps you relaxed and safe.
QuickGPSfix
QuickGPSfix speeds up the time it takes to fix your GPS position to help you drive off more quickly.
Rich maps
You are ready to go with the rich maps. IQ routes gives you arrival times you can rely on. And with a wealth of points of interest, such as phone numbers and opening times, you have even more information at your fingertips.
Points of interest
Your pre-installed map has Points of Interest from gas stations to hotels, so you are sure to find what you want.
Speeding alert
Alerts you when you're speeding, even if you're not in navigation mode.
Help me, emergency menu
You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area.
Safety preferences
Recommends driving breaks; warns when approaching places of worship or schools; unpaved road warnings; reminds you not to leave device in car; hides map view above a selected speed; reminds you which side of road to drive when abroad.
Fast route planning
No more waiting around - your route is calculated in a matter of seconds, so you get on your way much faster than ever before.
Eco routes
Driving with these fuel-efficient routes saves you money as well as reducing your impact on the environment.


www.sears.com/tomtom-6inch-touchscreen-gps-via-1605m/p-057294970...
GPS Deals

Sears Coupons
g: 0 Posted By: joshk34
Views: 195 Replies: 0 http://www.menards.com/main/p-2356990-c-10113.htm
Menards is running theSteele 5.5 HP, 2400 PSI Gas Pressure Washer (model SP-WG240N) for $159, with free shipping to a Menards store. Ordinary price is $259. Not much details for this item or availability on other sites but overall carries the Steele brand name. Offer ends 9/21/14 or while supplies last.A 2400 PSI pressure washer that offers exceptional versatility that makes washing your car, boat, RV, concrete, brick, wood decks and BBQ grills quick and easy. With the variable speed control and 4 quick-connect tips, this pressure washer can be used for jobs requiring concentrated, high-pressure water streams to jobs requiring wide angle, low-pressure water streams and everything in between.

2.2 GPM
5.5 HP OHV engine
Variable speed control
Maintenance free pump
Stainless steel wand
25' high pressure hose with quick connect coupling
4 quick connect tips

Home & Garden Deals
g: 1 Posted By: JayMatt19
Views: 210 Replies: 1 http://www.frys.com/product/8119265?site=sa:adpages%20page:P37_F...
Detailed Description Take a Product Tour
(Manufacturer # ES1-511-C0M4 )Acer Aspire ES1-511-C0M4 Notebook Effortless Everyday Activities : Experience brilliant PC performance that lets you communicate with friends and family, enjoy entertainment, and get your work done. The Aspire E 15 Notebook provides the performance youve come to expect and quality you can count on with an Intel Dual-Core Processor and 2GB of Memory. USB 3.0 port provides up to 10x faster transfer speeds than the standard USB 2.0! Transfer a 25GB HD movie in just 70 seconds. Plus, you can access your entire media library with up to 320GB of storage. With AcerCloud your PCs storage IS your Cloud storage with wireless access to your photos, music, videos and documents -- wherever you are, on any PC, on all your devices! Navigation Made Simple : Acer's Precision Touchpad supports Windows 8 Modern Touchpad gestures and makes touch control as accurate and gestures as smooth as on a touchscreen. Pinch, flick and swirl your fingers on the Touchpad for an intuitive navigation of web pages, photos and more. Whether your friends and family are just across town or far across the country, your conversations will be up close and personal with the built-in Webcam and Digital Microphone. Enjoy clear video chats or snap still pictures to share. 802.11b/g/n Wireless LAN provides the freedom to road to hot spots while Bluetooth technology lets your wirelessly connect to other Bluetooth-enabled devices such as printers and speakers, eliminating the need for a tangled wire. With Windows 8.1, you can get to everything you need from the familiar Start screen. Skype with friends, get work done with Office, access online files anywhere with SkyDrive, or find your favorite apps in the Windows Store. Entertainment Made Easy : The Aspire E 15 Notebook is just over 5 lbs. and just over 1" thin, making it one of the slimmest notebooks in its category! Its elegant curvature and unique pattern adds stylish to the uncluttered, pure design, in which every detail has been carefully crafted. The large 15.6" HD CineCrystal LED-backlit LCD Display with a 16:9 widescreen aspect ratio delivers an optimal viewing experience. When the 15.6" fails to satiate your visual appetite, the HDMI output lets you pipe HD content and high quality audio to your big screen HDTV so you can share HD video with family members anywhere! Powerful speakers provide more realistic and lifelike sound, for great media experiences wherever you go. Listening to your favorite music or watching movies is now much more immersive. Key Specifications : Intel Celeron N2830 Dual-Core Processor 2.16GHz with Intel Burst Technology up to 2.41GHz Windows 8.1 15.6" HD Widescreen CineCrystal LED-backlit Display 2048MB DDR3L SDRAM Memory Intel HD Graphics 320GB 5400RPM SATA Hard Drive 802.11b/g/n Wireless LAN 10/100/1000 Gigabit Ethernet LAN (RJ-45 port) Bluetooth 4.0 Webcam (640 x 480) High-Definition Audio Support Digital Media Card Reader - Secure Digital (SD) Card 2 - USB 2.0 Ports 1 - USB 3.0 Port 1 - HDMI Port with HDCP support Multi-Gesture Touchpad 3-cell Li-Ion (3220 mAh) Battery Limited 1 Year Warranty
Acer Deals
g: 0 Posted By: rhiane
Views: 139 Replies: 0 I found this microfiber towel on sale. It's 59% off. Check it out...

http://www.amazon.com/Microfiber-Towels-Detailing-Satisfaction-G...

List Price: $21.99 Price: $14.95 Sale: $8.95&FREE Shippingon orders over $35.Details You Save: $13.04 (59%)


High Quality Microfiber Cloth - Super Soft and Safe. It won't streak or scratch your car
Super Absorbent Towel - Drying your car without leaving behind water-spotting
Remove Polish and Wax Effortlessly - Resulting a clean an shiny looking car you can brag about
Best Microfiber Cleaning Cloth - Lift Dust and Dirt Very Well. Makes your life so much easier
100% Risk Free - Your Satisfaction Guaranteed OR Your Money Back

How Much Does Cheap Microfiber Really Cost You?The Best Microfiber Towels Will Save You Money in the Long RunNot all microfiber towels are created equal. Unfortunately, many microfiber towels in the market have these common problems:=small- Cause SWIRLS and SCRATCHES on your paint
- Cause STREAKS on your WINDOWS
- Do not ABSORB WATER like they are supposed to
- Leave LINT behind
- Low quality and FALLS APART QUICKLY

Most of these problems can cause you to spend more time and money to undo the damage caused by these towels.Fortunately, you won't have to worry about these with ourPremium Plush Microfiber Towelsbecause our towels are:=small- Made from high quality materials
- Very soft
- Thicker than most microfiber towels in the market
- Durable and long lasting
Auto Parts Deals

Amazon Coupons
How much do I need to make to move out to SF? Recommendations? **Venting**
Added on : Thursday September 18th 2014 06:00:07 PM
g: 0 Posted By: Niftyone33
Views: 140 Replies: 6 Here I am a year later from my original post: Original post 2013.My question is the title, what is a reasonable amount to make to move out to San Francisco? What would you recommend I do?


Financial Situation:
Currently I'm at $60k gross.I have $22k in my ROTH ($18k principal), $12K in non-retirement account, small amount of cash, relatively small amount of debt at 0% (car payment). Mid-late 20s.I graduated with a finance degree, and have some post graduate studies done.
I've been saving and working diligently with the sole intention to move to San Francisco; moving out from my parents place. Excel spreadsheets and budgets are easy for me to run, and as much as I break down the numbers, I cannot make them work. I'm in a unique situation where I work for my family business.

I do not want to leave this business, I really love it and enjoy it, therefore I cannot and will not leave the bay area or this business (an exponential amount of earning potential in the future, 10 years maybe). Sadly, I'm getting inpatient and just need money now. I see literally, every other one of my friends making six figures, plus equity compensation, and have already moved out, either to San Francisco or across the nation. Maybe I'm comparing myself with the "Jones'," but I can't help myself much anymore; I've been struck with anxiety and depression for quite some time now -yes I am getting help from a doctor for this.

I expect to get a raise to maybe $75k gross in the beginning of 2015, but by than rent will increase even more (~$1.5k w/ roommates and $2k studio), and currently that still is not enough to move out. I can't think of any probable solution except to just stick it out, work hard, do what is right, and eventually move out.

There's my rant, thanks for listening.
Discussion Deals
g: 0 Posted By: confusedNeedAnswer
Views: 93 Replies: 3 Hi all,

I have just set up an LLC elected to be taxed as an S-Corp. I'm the only shareholder, owner and employee of the LLC. My LLC does IT consulting services. Here are some number
Expected annual Revenue: $100k
Expected annual Expenses: $5000

I plan to run payroll of $24k and distribution of $71k for the year. I do not want to put any money in retirement or pension account. I just want to take all the money out. Would that payroll/distribution raise the flag with the IRS or it has to meet certain "safe" ratio? Also, let's say next year i can double my revenue to $200k, would I still have to follow that "safe" ratio?

I have a CPA to take care of the payroll for me. She advised me that I just need to pay myself the average salary of people in the same industry and kind of work and not have to follow certain ratio, the rest of the money I can just be withdrawn as distribution anytime I want. Also, because the LLC is based in Nevada, the CPA has to run payroll twice a month required by law, is it true?

Here are the taxes I need to keep according to the CPA:
$2000/month payroll, 12% on top of that $2000 goes to employer tax and 19% of that $2000 goes to employee tax (withhold). So every month I need to put $2000 + 12% of $2000 to the payroll account so the CPA can run payroll
$71000 distribution, I need to keep 25% of $71000 distribution when I file end of the year personal income tax. (25% tax bracket for $100k income).

So it comes out setting it up as S-Corp, I will pay more taxes. If it were just a pass through LLC, I'd just have to pay 25% tax on all the income, correct? It looks to me with an S-Corp, I have to pay 25% income tax plus 12% employer tax.

I just have a feeling this CPA is missing out something because S-Corp is supposed to save me on tax. Could you guys take a look at the numbers and let me know if anything is wrong and missing?

Thank you so much



New User Question Deals
Number of holdings in an Emerging Markets Bonds ETF
Added on : Thursday September 18th 2014 12:00:07 PM
g: 0 Posted By: BrunoB
Views: 40 Replies: 0 The Emerging Markets Bonds ETFs listed here ( http://etfdb.com/etfdb-category/emerging-markets-bonds/) as far as I can see each has more than 200 holdings (including the much smaller VWOB from Vanguard, which has 674 holdings). The only exception is PCY, which has only 70 holdings. Why is this?
Question Deals
REQUEST: Flight from Los Angeles, CA to Tampa, FL on Mid December
Added on : Thursday September 18th 2014 10:00:09 AM
g: 0 Posted By: mabrikh
Views: 43 Replies: 0 I might be looking too early for this but I need some advice about what's the cheapest way to buy tickets for following time:

Travel: From Los Angeles, CA [I can fly from Long Beach (LGB) and Santa Ana (SNA) too] to Tamp, FL (TPA is the airport code)
Date: Saturday 13th December (Saturday) thru 20th December (Saturday). +/- two day is okay.
Numbers: Four Passengers (Two Adults and two kids, 3,5 ages)

I know it will be almost a Christmas time and ticket won't be cheap but I want to get an idea about how much of monetary damage I am looking at. I searched via Kayak and Southwest and I found $425 and $474.00 respectively. For family of four, it will be around $1700.00...that seems quite expensive. I know I am going from West Coast to East Coast but I want to get an idea about any alternative airports I can fly for cheaper price.

Please help out fellow FW.

Air Travel Deals
How to teach someone risk V reward
Added on : Thursday September 18th 2014 07:00:12 AM
g: 0 Posted By: newnorley
Views: 16 Replies: 0 I'm posting lots recently, apologies.

My brother really struggles to appreciate risk, I would say I'm overly optimistic but he would literally bet everything on a 100/1 shot.

2 examples:

1/Stocks, a friend of his showed him this AIM (think pink sheets) company in the UK, the friend told him it was risky, my bro apparently read up on it lots but it seems that he tuned out all the bad stuff and just reinforced the good stuff. I think he then convinced himself that it was a certainty to x5 and so he put a significant amount of money into it for him (i.e. all savings and few thousand from wages - he is young tho so savings weren't much and he has no dependents). The stock IS NOW basically worthless.

2/He has been working at a shitty startup for a while, he doesn't like it, he gets paid terribly but becos there is this carrot of 'IPO' one day he stays there. Even though he has very few shares, he has no idea how many shares there are in existence and his boss has proven time and time again that he can't be trusted. He should leave but he dreams of the $$$ from the IPO.

He just doesn't seem to appreciate how low the lows from something bad happening are and can only imagine the upside. Anyone have any ideas how I can get him to change?
Disability for new Physicians
Added on : Thursday September 18th 2014 04:00:15 AM
g: 0 Posted By: liynus
Views: 9 Replies: 0 long time lurker - 1st time poster

I'm 33 have a young family and about to start making a significant salary (hopefully) as a physician next summer. I'm interested in the groups thoughts on disability and also life insurance.

I'm at a lost for how much per month I should be paying - what kind of coverage I should get.

Currently I am relatively healthy, and my salary is one of a resident physician ~ 60-70K.

Should I seek coverage before I start a new job, or wait? If so, where are good places/companies to seek quotes?

Thanks
Personal Finance Deals
RoboForm Desktop (50% Off) for $14.95
Added on : Thursday September 18th 2014 03:00:05 AM
g: 0 Posted By: softwaredealhunter
Views: 219 Replies: 1 How much time do you spend entering passwords and filling out forms online, over and over again? Stop wasting time and let RoboForm do it for you!With RoboForm you'll find a smart, simple and -- most importantly -- secure way to navigate your workflow. RoboForm streamlines your entire online experience: it remembers and recalls site-specific usernames and passwords, fills out tedious checkout forms with a click of the mouse, and can even fill forms in a number of languages.

www.bitsdujour.com/software/roboform-desktop/in=todays-deals-hom...
Software Deals
Free Kindle Book- Database Pro (was $19.95) and other related
Added on : Thursday September 18th 2014 03:00:04 AM
g: 1 Posted By: remick
Views: 219 Replies: 0 http://www.amazon.com/gp/product/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.



Ethical Hacking: Learn how to hack the web
http://www.amazon.com/gp/product/B00NMGGC92


A Gentle Introduction to Computer Programming Fundamentals
http://www.amazon.com/gp/product/B00ECI0D0S/

Programming is fast becoming a basic literacy. Software is pervasive in society and therefore it is needed in virtually every occupation. But for some people, programming feels very unnatural; that's where this book comes in! This book is written in a step-by-step, tutorial style that makes programming available to pretty much anyone who cares to take the time to learn. It's the result of my years of experience and research into teaching introductory programming. In addition, I've used versions of this book in my distance education programming classes for years, which has given me the advantage of optimizing it based on student comments and suggestions.

You can start using this book right away, without buying anything else and without having to install anything on your computer! Within a few days, you will understand the basics of how computer programs work.
C++ is used in this textbook because the syntax is almost exactly the same as C, Java, Javascript, PHP and many other popular programming languages. If you master the concepts in this book, they will transfer to many other languages. In addition, C++ does not require a lot of "scaffolding" to set up. For example, Java requires understanding classes right from the beginning, and PHP requires understanding html. With C++, you start with four standard lines at the top of your program, and you're into the program. Note that I really like Java and PHP, and write in these languages myself quite often; however, for a basic introduction to programming, C++ is the way to go!
When you're finished with this book, the world of programming wil


Designing Embedded Systems: Guidebook
http://www.amazon.com/gp/product/B00JMIMFM2

This Guidebook reviews the Software Development and Engineering Principles involved in the Design of Embedded Computer Systems.

The reason behind developing this book can be answered by the following question. What does an embedded software engineer produce? Now most people would say 'prototypes' and this might seem like the correct answer but it is not. The correct answer is that the engineer produces documentation, documentation that shows other people how to understand and build the product.

Now imagine that you are a software engineer who has newly joined the company and you have been given the unenviable task of maintaining an existing product. Why was this work given to the new guy? The answer is that no one else in the company wanted to tackle this project. Why? Because there is no documentation. So to figure out what the product does and to fix the bugs the new guy (or gal) has to reverse-engineer the source code. So the money that management thought they saved when some code was quickly thrown together by a software engineer (who has since left the company) they now find that several times more is being spent to fix up all the bugs and possibly add on some minor enhancement.
This type of problem occurs when there is no development procedure.
Which brings us to the Guidebook.
The Guidebook provides a standard procedure which may be used by the Systems, Software, Embedded, Firmware and Hardware departments. Various design and development documents are produced at specific points in the project and are passed out for review prior to being used by other team members. By having this consistency the entire team now know which design elements will be produced and the need for implementing any reverse-engineering will be eliminated. Product costs for maintenance will be greatly reduced. Manufacturing and Test departments will now have the necessary details with which to complete their work. For shouldn't the designers who intuitively understand the product be the ones to write down their knowledge such that it can be passed on to others?
By presenting these steps in the form of a Guidebook which is distributed to the engineering team, it then identifies the documents that are to be generated, when they should be produced, who should create them and who should be involved in the review process. This keeps the entire team synchronized, fully aware of their responsibilities.
Now some companies do have such procedures but they are long-winded and stored away in some unknown location on a harddrive.
But a bright red Guidebook that clearly spells out the development process.
Now wouldn't that be worth having?


Intel Trusted Execution Technology for Server Platforms: A Guide to More Secure Datacenters
http://www.amazon.com/gp/product/B00DREFPK6

Books Deals

Amazon Coupons
g: 1 Posted By: Xenocrates
Views: 190 Replies: 0 DBZ Diamond Cavallo Flying V Guitar- $279.99 @ World Music Supply

I have actually plated one of these and looked them over for quality and I was quite surprised how much nicer this was then the Epiphone Flying V. It's definitely not everyone's cup of tea and it is a standing guitar as sitting with them is "interesting" to say the least.

Hard Case for this guitar- $40

Having worked for a big box music store I can attest to almost never getting any hard case for $40 even as a sweetheart deal while buying a nice guitar. Let alone a flying V case the most uncommon of cases.
Music Deals
Security: Debit card vs ACH for recurring bills?
Added on : Tuesday September 16th 2014 01:00:07 PM
g: 0 Posted By: gobleu
Views: 25 Replies: 1 I agree that debit cards are much less safe than credit cards, but I do not have any credit cards at this time and don't want any.

For safety, I have two checking accounts without overdraft protection: one for check writing and one for debit card use. While it was initially for security, I like the separation of active spending (debit card) from recurring monthly bills (rent check and automatic ACH withdrawals for utilities). My plan was to set the POS limits on the card associated with the check-writing account to $0.

So far good, but I have 2 - 4 small monthly bills totaling about $100/month which require the use of a Visa or MasterCard. From a budget / management standpoint, I'd like to pay these from the check-writing account. Unfortunately I can separate a daily POS limit, but not a per-transaction or monthly limit.

So while I agree that debit cards are risker than credit cards, especially for in store / online retail transactions, are they significantly much worse than checks/ACH for recurring utility payments to a handful of reputable vendors
Deposits Deals
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/gp/product/B00KO8ZCEC

Relocating to a new place, away from the people you care about and away from your familiar surroundings, may prove to be more difficult than you ever imagined. And regardless of whether it is а local, cross-country or international move, there will be an overwhelming number of factors to consider before you can make the right choice under the circumstances. Remember that information is your best friend and helper in your imminent decision, and that help is always available in one form or another.
Relocating Without Breaking A Sweat: Your Handbook For A Perfect Move is your invaluable helper during these transitional times. This book covers everything you need to know before, during and after your residential or long-distance relocation: from the fascinating history of the moving industry, through great practical moving tips and ultimate packing guides to best ways to relocate locally, interstate or abroad with your children, pets or plants, plus a wide range of various personal possessions. Also, the book offers helpful DIY advice and an extensive section of what to do once youve moved to your new home (including tips for resolving issues with your mover). And much, much more!
Its end will surely bring a smile on your face.
Be well informed.
Be ready for the challenge.
Find yourself in the drivers seat of this moving adventure.
This book is being delivered to you in partnership with MyMovingReviews.
Totally Free Deals
Free Kindle Book- The Complete Kitchen Remodeling Workbook
Added on : Tuesday September 16th 2014 12:00:17 PM
g: 0 Posted By: remick
Views: 70 Replies: 0 http://www.amazon.com/gp/product/B00NF0N7VQ/

The Complete Kitchen Remodeling Workbook is a valuable kitchen design resource for ambitious homeowners that want to finish their projects on time and under budget. If you're thinking about remodeling your kitchen, this book is a must-read. The workbook is designed to walk you through the remodeling process step-by-step and includes bonus printable worksheets.

This book was written by Ryan Hart, an experienced architectural consultant and internationally recognized designer. As a young designer he worked on multi-million dollar custom homes in Los Angeles, CA, which gave him valuable insights into the common remodeling problems homeowners face on a regular basis.

His early success led him to work with celebrity clients in Beverly Hills, like Jenny Jones, Francis Ford Coppola and many others.

Now he's opening up his box of tools that were previously reserved for his premier clients. This workbook is the first step toward helping homeowners design their dream kitchen on their own terms. Inside you'll get access to expert home remodeling tips, kitchen design resources and much more.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 176 Replies: 0 Silver Dog Crate Kennel - Pet Playpen Cage w/ Metal Tray Pan $22.75 - $61.75 + Free shipping - american specialty tool via eBay

http://www.ebay.com/itm/Silver-Dog-Crate-Kennel-Pet-Playpen-Cage...

(Various Cage sizes)

Premium quality - These affordable cages from SmithBuilt Crates are expertly crafted using commercial-quality materials and superior manufacturing to produce cages built to last a lifetime.

Strong and safe These pet homes are built using all-steel wire (between 5-gauge and 9-guage, depending on the model chosen) for long lasting durability. This high tensile-strength wire is securely formed and welded into a tight mesh pattern, designed to keep your pet safe and secure.

Multiple doors - Crates feature multiple entry/exit doors, providing additional convenience when feeding and training. Each door closes and locks easily with a slide-bolt latch (the doors on the 36" and larger cages each feature two latches).

Superior finish - These cages are finished with a thick zinc galvanization, much stronger than the electro or powder coats seen in inferior cages. This finish is rust, corrosion and fade resistant, even in extreme climates.

Easy to setup - Cages are fully pre-assembled. To use, simply unbox and fold open; no tools are required.

Metal tray - Each cage features a lightweight, shiny steel tray. Steel is the absolute toughest tray material available; it will last forever and cant be chewed or eaten like plastic trays. In addition, these trays are treated with a durable zinc galvanizing process, making them rust and corrosion resistant. The tray is held securely in the cage with a retaining bar that prevents the tray from becoming accidentally dislodged. The tray features a lip around the perimeter to contain any mess, and it is easily removable for cleaning.

Portable - These lightweight cages are "suitcase" style; this means when you need to take them down, they don't disassemble into multiple paces like other cages. Instead, they collapse, or fold into a flat package less than 4 tall. This allows you the ability to easily transport or store them anywhere, and they only take seconds to setup again. Cages also feature a removable, top-mounted handle for additional convenience.

Optional divider - Cages can be ordered to include an all-metal divider. This allows the internal size of the crate to be made temporarily smaller for training purposes. The divider can then be moved / repositioned as the pet grows in size. The divider can be placed at any position in the cage and removed when no longer needed.
Pets Deals

eBay Coupons
g: 0 Posted By: tedhawkins
Views: 103 Replies: 0 Hamilton Beach The Scoop Single-Serve Coffeemaker + $25.49 Back in Shop Your Way Points @ $49 Sears Free store pick uphttp://www.sears.com/hamilton-beach-the-scoop-8482-single-serve-coffeem... coffee thats as personal as your distinct taste with The Scoop Single-Serve Coffeemaker. Each cup is made fresh and flavorful just the way you like it. You can make just the amount you want getting a perfect cup every time without spending much more on expensive brands.Purposefully called The Scoop, the unique single-serve coffeemaker lets you simply scoop your preferred ground coffee, add water, and brew in its single servescoop filter without any extra steps. It lets you brew 8 to 14 ounces conveniently to fit into your travel cup or coffee mug making it perfect for when youre on the go.Its sleek stainless steel styling looks chic and contemporary on your countertop enhancing the look of your kitchen just as it lights up your taste buds with its smooth aromatic brew.Elegantly and durably constructed, the coffeemaker features a built in stand for mugs so you can easily dispense hot aromatic coffee straight into your mug without the hassle of a carafe. Get real, rich coffee instantly without settling for the instant brand with this Coffeemaker from Hamilton Beach.

Brew your own ground coffee with its single-serve scoop filter
Scoop your favorite ground coffee and brew
Hotter*, faster* and better taste
Brews up to 14 ozs. into travel cup or coffee mug
Single serve for less*
Durable stainless steel construction
Built-in stand for coffee mugs
Includes 2 scoops



Appliance Deals

Sears Coupons
g: 0 Posted By: priyacg
Views: 168 Replies: 0 Waring Pro DF280 Professional Deep Fryer, Brushed Stainless,Refurbished $64.99 FS at Asavings

http://www.asavings.com/waring-pro-df280-professional-deep-fryer...

Now you can serve up all your favorite food, from delicious breaded appetizers, to French fries, chicken tenders and much more, thanks to the Waring Pro professional 3-basket deep fryer. You can easily cook one large or two small batches at once with the durable mesh baskets with cool touch collapsing handles. Easily adjust the temperature and time using the up and down arrow buttons on the user friendly control panel. The fryers generous 1 gallon oil capacity reservoir will cook up to 2-3 lb. Plus, with a removable heating element this professional deep fryer is immersible for easy cleanup, it includes a deep-frying time/temperature guide and recipes .
Removable 1800-watt immersion style heating element

One-gallon removable enamel-coated oil container withpouring spout

One large and 2 small heavy mesh baskets with cool-touchcollapsible handles

30 minute digital timer and temperature control; Lid with viewing window

Brushed stainless steel; 2.3 lb. food capacity

90 Days Manufacturer Warranty
Appliance Deals
Alesis iO Hub 2-Channel USB Audio Interface $49 + Fs @ MF
Added on : Tuesday September 16th 2014 04:00:04 AM
g: 0 Posted By: tedhawkins
Views: 213 Replies: 1 Alesis iO Hub 2-Channel USB Audio Interface $49 + Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Alesis iO Hub is a professional two-channel audio interface that empowers you to create anywhere. Made for traveling musicians and mobile producers, iO Hub enables you to record, lay down, and mix musical ideas with your Mac and PC whenever inspiration strikes. Its compact, portable design fits in your gig or laptop bag and leaves an ultra-small footprint in any recording or performing setup. Plus, a single USB connection provides power to iO Hub and plug-and-play connectivity; no power supply or additional drivers required. iO Hub can also connect to your iPad and other devices with the Apple iPad Camera Connection Kit (sold separately) for even more recording-platform flexibility.

Versatile Inputs
With two XLR+1/4" combo inputs, iO Hub can accommodate nearly any audio source: connect microphones, keyboards, guitars, basses, and much more to start crafting your song. Channel one features selectable 48v phantom power for tracking with condenser microphones, and channel two provides an additional switch that allows a guitar or bass to be connected directly to iO Hub.

Mix and Monitor
iO Hub supports stereo playback from your computer for professional mixing and monitoring. Connect its two 1/4" outputs directly to your active monitor speakers, amplifier, PA system, and use the direct switch for zero-latency monitoring of the input signal ideal during session tracking, when adding overdubs, or laying down additional tracks. A stereo headphone output with a dedicated volume knob is also onboard for private recording and late-night mixing. Finally, a main-level control allows you to adjust the global volume, so you can mix and record at the optimal sound level.
Features

Portable 2-channel audio interface
Phantom power for use with condenser microphones
Guitar/Line level switch for use with a guitar or bass
Direct switch for zero-latency input monitoring
Easily connects to your Mac or PC
Headphone output with dedicated volume control
Compact modern design with chrome accents
USB-powered; no power supply required
This product is class compliant; it does not require drivers

Includes:

iO HUB interface
USB cable
User guide
Safety and warranty manual


Music Deals

Musician's Friend Coupons
Giveaway of the Day - System Navigator 2014
Added on : Monday September 15th 2014 10:00:15 PM
g: 0 Posted By: softwaredealhunter
Views: 64 Replies: 0 System Navigator is the most versatile file manager on the market! It contains many features that are not found in similar products. Program has an intuitive user interface that makes it easy-to-use and thats a plus. System Navigator helps you manage your files, but it does SO much more.

http://www.giveawayoftheday.com/system-navigator-2014/
Computers & Software Deals
Question Regarding Rental Income Interest Deduction
Added on : Monday September 15th 2014 02:00:07 AM
g: 0 Posted By: SoonerThanLater
Views: 27 Replies: 0 Hi All,

I've searched and really couldn't find anything about this. We've been renting out our old house for a few years now. We owe about $75k on it and we're thinking about refinancing down to 15 years. However, I was also thinking about just pulling the money out of a 401k and paying it off. I could save on closing costs and other fees. I know the pros and cons to each but I am just wondering how much I would be losing by forgoing the interest deduction???

If I refinance, I'll be paying about $2600 a year in interest. I am normally at the break even point on the rental. Does anyone know how much I will be giving up in "real dollars" when I file my taxes if I don't have that interest??? I know everyone's tax bracket is different but I am just looking for a ballpark to see if this will be worthwhile. I don't like paying interest but if I am getting everything back, that's different. However, I know that's not the case...

I welcome your input. Thanks all!
Real Estate Deals
Best way to book Four Seasons hotel trip?
Added on : Sunday September 14th 2014 06:00:06 PM
g: -3 Posted By: CorradoJr
Views: 696 Replies: 4 My wife and I are celebrating our anniversary and we will be booking a week at a Four Seasons property in Asia. This will be an expensive splurge for us and we are trying to figure out the best option to maximize rewards, CashBack, etc. Our options seem to be:

1. Book directly through Four Seasons
2. Book via a travel site (Expedia,Travelocity, etc.) and a partner site like ShopDiscover. This will get us 5% CashBack from Discover as well as points with Expedia for future hotel, flights, etc. (need to research Expedia's rewards program, not sure how much benefit it provides).
3. Use another 3rd party site (Groupon) to try to find a deal
4. Use another 3rd party travel site (Luxury Link) to try to find a deal

Four Seasons does not seem to offer many discounts (I realize this is part of the panache of the place) but trying to make this work in our favor as much as possible. As a last resort, I can always use a 0% APR card and/or do a Balance transfer.

So my main question is - have I overlooked any other options?
Question Deals
VA SUI Rate for employers
Added on : Sunday September 14th 2014 03:00:06 PM
g: 0 Posted By: samandy
Views: 56 Replies: 0 It looks like myVA SUI Rate for employers was set bit high for myself.
How can it be corrected and adjusted for previous portion of the year?

Its for my LLC with S corp treatment for my own payroll.

Thank you very much!
Question Deals
Reusable Grill Mats (2-pk.) - $7.98 shipped @ Tanga
Added on : Sunday September 14th 2014 12:00:04 PM
g: 0 Posted By: hellokitty27
Views: 318 Replies: 0 Tanga has Reusable Grill Mats (2-pk.)for $4.99 w/ $2.99 shipping.

Keeps your BBQ and oven clean
SGS & FDA approved
No odor or extra flavor from previous use
Oil and fat-free cooking: Allows you to cook without fat or oil for a much healthier lifestyle
Easy to clean: No need to scrub or scour easy wipe or wash
Your food is tastier, lower in calories and retains all its vitamins
Keeps small food out of the fire
Food still retains BBQ grill marks
A great alternative to aluminum foil
100% reusable
Nonstick, oil-free and fat-free cooking
For temperatures up to 500 (260C)
Easily installs and removes
Mats measure 15.75-in. 13-in. (L x W)

Home & Garden Deals

Tanga Coupons
Kelloggs / CVS: $2 x 3 minus $5-rebate = pay $1 for three boxes
Added on : Sunday September 14th 2014 11:00:12 AM
g: 0 Posted By: DeGlass
Views: 88 Replies: 0 Repost of this:
http://www.fullofdeals.com/forums/grocery-coupons/1337345/?newest=...

CVS has Raisin Bran $8 for 4 thru Sept 20.
If your store still has those specially marked KFR boxes, they do qualify for the $5 rebate on 3. Net = $1 for 3 boxes.

Just make sure your cereal box refers to the $5 deal explicitly, otherwise your code won't count towards the rebate check.
The stuff's loaded with so much sugar it probably won't go stale anyways.
Specially Marked Products Deals
Best way to book Four Seasons hotel trip?
Added on : Sunday September 14th 2014 04:00:11 AM
g: 0 Posted By: CorradoJr
Views: 69 Replies: 0 My wife and I are celebrating our anniversary and we will be booking a week at a Four Seasons property in Asia. This will be an expensive splurge for us and we are trying to figure out the best option to maximize rewards, CashBack, etc. Our options seem to be:

1. Book directly through Four Seasons
2. Book via a travel site (Expedia,Travelocity, etc.) and a partner site like ShopDiscover. This will get us 5% CashBack from Discover as well as points with Expedia for future hotel, flights, etc. (need to research Expedia's rewards program, not sure how much benefit it provides).
3. Use another 3rd party site (Groupon) to try to find a deal
4. Use another 3rd party travel site (Luxury Link) to try to find a deal

Four Seasons does not seem to offer many discounts (I realize this is part of the panache of the place) but trying to make this work in our favor as much as possible. As a last resort, I can always use a 0% APR card and/or do a Balance transfer.

So my main question is - have I overlooked any other options?
Question Deals
g: 0 Posted By: Eryeal
Views: 214 Replies: 0 I posted a deal from this vendor on the Y70 a few days ago, and to my surprise it didn't get shellacked, so posting this one as I view as even better, at least compared with all other prices that I can see. It's the same price as the much lower model on Lenovo.com (the one with less RAM, graphics memory, etc), and that one on Lenovo.com is even on sale. Seems like a good price for this model? Same vendor sells on Amazon for $1499.99.

http://www.klickonline.net/lenovo-y50-touch-laptop-59421835-core-i7-4710hq-16gb-ram-15-6in-fhd-multi-touch-1920x1080-nvidia-geforce-860m-4gb-1tb-8gb-sshd-wifi-ac/

4th Generation Intel Core i7-4710HQ Processor (3.50 GHz Turbo, 2.50GHz Base, 1600MHz 6MB)
NVidia GeForce 860M 4GB
Genuine Windows 8.1 64 bit
16GB PC3-12800 DDR3 1600MHz SDRAM SODIMM Memory
15.6" 10 Point Multi-Touch Full HD 1080p (1920 x 1080) AntiGlare Backlit Display with integrated camera
Hybrid 1TB + 8GB Solid State Hybrid Drive
Intel Dual Band Wireless-AC 3160
Bluetooth
720p HD Webcam
No Optical Drive
4 Cell 54 Watt Hour Lithium-Ion Battery
Backlit Keyboard


Here is the Y50 Touch on Lenovo with less specs for the same price:

http://shop.lenovo.com/us/en/laptops/lenovo/y-series/y50-touch/
Laptops Deals

Lenovo Coupons
Lunch with Buffett Helps Man Realize He Is A Jerk
Added on : Saturday September 13th 2014 06:00:14 AM
g: 1 Posted By: sublimebri
Views: 136 Replies: 1 http://finance.yahoo.com/news/the-oracle-of-love--how-lunch-with...

Apparently, it was worth every penny of the 300k that the guy bid to have lunch with Warren Buffett... I could have told him he was a d-bag for much less and also told him that spending 300k for a lunch is insane.
Discussion Deals
g: 0 Posted By: st4rdust
Views: 191 Replies: 0 WalMart has Quirky Cordies Desktop Cable Organizerson sale for$3.88with free in-store pickup.

Available in black, blue, pink or white.

You can always use bread tabs, but I think this is much cuter/more sustainable.
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

A few years ago, my girlfriend and I decided to catering and concessions at a certain venue. It was a place I had worked 5 years before that and we did some unofficial food stuff for smaller events, and when the opening happened to take care of everything food related we took it. The management of the venue were friends and wanted to do a partnership, which appealed to use because we didn't have the capital to go all in by ourselves.

The management purchased the existing catering and concession equipment for X amount, for which we paid half (3 installments that year) and were to own half (we formed a LLC). Our agreement was that my girlfriend and I would get X per hour, and then split the profits at the end of each year. What ended up happening is that the venue ran a food "tab" for its workers which we kept track of, and then deducted that from the profits. 2 years out of the 4 the tab exceeded what their profits would be and money was sent our way.

This year, we moved because I got a job promotion and we decided we could not take care of the business at a level we were accustomed to providing. We jointly decided to try and lease the operations to some people and if they were able to handle it we would be bought out of our half. Unfortunately, the management was fired and replaced in a particularly nasty incident(s). I had talked to them afterwards and the response was just to sell everything.

I went to go look at things last weekend and did not like what I saw. Several items belonging to the business that were not stored with the concession stand(s)/truck(s) were gone, even a couple of propane tanks for one of the stands (which were locked) are gone. The management had pretty much taken everything of theirs not nailed down, but did not think that would include our items. There was a new temporary food person that had said he had briefly talked to previous management but was only interested in some of the equipment, not all of it. I have attempted to contact the previous management multiple times with absolutely no response. My spider sense is tingling.

I'm not really sure what my recourse should be to collect my "half" if things go south. The paperwork is all in the managements name, I just have a bill of sale and my checks whcih are clearly noted to be payments for half of the equipment. The management is in some hot water over multiple shady things that were uncovered, so my complaint would be a drop in the bucket. I don't think i can take them to small claims because they'd just hide behind the business name. I am friendly with the new venue management while the old management isnt even allowed on the property, so I guess I could pillage whats left or hold something for ransom, but I certainly think that would be a last resort kind of option. Any advice on how to proceed?


Discussion Deals
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
PetFusion Cat Scratcher Lounge $37.99 w/FS @ Groupon
Added on : Friday September 12th 2014 10:00:11 AM
g: 0 Posted By: ctgolfer
Views: 181 Replies: 0 Curved scratching surface doubles as a lounge for cats
Made from recycled corrugated cardboard
Sleek figure-eight design complements home decor and oversized numbers leftover from senior-picture photo shoots
Reversible surface for twice as much scratching
Large enough for several kittens or one large feline
No assembly required
Dimensions: 34" x 10.5" x 10.5"
Weight: 9 lbs

www.groupon.com/deals/gg-petfusion-cat-scratcher-lounge-2
Pets Deals

Groupon Coupons
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Revere Supply Ultimate Survival Glow-In-The-Dark 30-Day Lantern $29.99, Silver Lantern $29.99 West Marine Fs to store

REVERE SUPPLY Ultimate Survival Glow-In-The-Dark 30-Day Lantern
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REVERE SUPPLY Ultimate Survival Silver 30-Day Lantern
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Compact LED lantern that takes duration and durability to an entirely new level. The Ultimate Survival model provides up to 30 days illumination on low-, or as much as 32 hours on high-mode, making it ideal for extended moorings or as an all-night reading light. It features a rugged ABS and rubberized housing that is resistant to splashing water. Removable cap and lens provides forward, flashlight-like convenience, base includes built-in recessed hook for hanging overhead as an area light.

Battery Type: Three D-size (Sold separately)
Running Time: 30 days (low); 32 hours (high)
Beam Strength: 300 Lumens (high)
Bulb Type: Three 1.4W LEDs
Modes: High; Medium; Low; SOS
Dimensions: 9 1/2"H x 4 13/16"W x 4 13/16"D
Sports & Outdoors Deals
50% OFF Hyperlite Indy CGA Life Vest (Men's) $34.99 + $4.99 S/H @ 98Main
Added on : Friday September 12th 2014 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 136 Replies: 0 50% OFF Hyperlite Indy CGA Life Vest (Men's) $34.99 + $4.99 S/H @ 98Main

http://www.98main.com/

The Hyperlite Indy CGA Life Vest is a more comfortable and sleek option for women. Soft neoprene fabric in much better than nylon against the skin, and it even stretches for easy movement. The Indy Vest is low-profile in design and it drains quickly so it won't feel heavy.
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Sports & Outdoors Deals
Time Magazine $24.99/year or $45 for 2 years A/C @ TopMags
Added on : Friday September 12th 2014 06:00:02 AM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 use coupon code: 71090

Time magazine is the first American weekly news magazine, and is the most popular one in America today. Each issue touches on a variety of topics, covering politics, business, science and technology, entertainment, and much more.

www.topmags.com/magazine/18068/time
Plink has shut down
Added on : Thursday September 11th 2014 04:00:16 PM
g: 0 Posted By: doveroftke
Views: 77 Replies: 1 It seems these types of independent linked-card cash-back programs (there's an industry term for it, but I can't recall it) just can't stay in business as Plink has ceased operation today without any advance warning. As you might expect, any un-redeemed points are worthless now. Per Plink.com:
Plink.com said: To Our Loyal Plink Members

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldn't have made it this far without such a loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed.

Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team

Oh well, got a few bucks out of it while it lasted.
Discussion Deals
Plink goes belly up
Added on : Thursday September 11th 2014 03:00:20 PM
g: 0 Posted By: MrVietnam
Views: 66 Replies: 0 To Our Loyal Plink Members,

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldnt have made it this far without such an amazing loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed. Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team
Interstate bus lines charging booking fee for online tickets
Added on : Thursday September 11th 2014 06:00:17 AM
g: 0 Posted By: atikovi
Views: 46 Replies: 0 I sold a car and will deliver it to western Massachusetts and take buses back to DC. Both Peter Pan and Megabus are charging a "booking" fee for tickets bought onlinewhich they make no mention of until the very last page after you've entered in all you information. Seems a little crooked but I'm sure most just go ahead and buy the tickets since they've come this far. At $1.50 per ticket it's not a big deal, but isn't the point of online automated ticketing to save the companies labor in not having as much telephone calls, and so the tickets would be cheaper? I wonder how long an airline would be able to keep this up.
Discussion Deals
g: 0 Posted By: Xanthuos
Views: 161 Replies: 0 After taking a BizRate survey, I was directed to this offer. You can access it directly by cutting & pasting the link below.
I've posted offers like this before. Please forgive me if they aren't of interest anymore - I don't get on the boards as much as I'd like.

Use a Visa/MC/Amex prepaid/rebate/gift card and you won't have to worry as much about the auto-renewal.

https://www.mybonuscenter.com/10036742/index.html
(Cut & Paste Link)


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People (3 Months)
US Weekly (3 Months)
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Black Enterprise
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Cigar Aficionado
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Conde Nast Traveler
Elle
ESSENCE
Fast Company
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Glamour
Golf Magazine
Good Housekeeping
Harper's Bazaar
Health
InStyle
Kiplingers Personal Finance
Money
NYLON
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Self
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Magazines Deals
Nikwax - Free Product If You Answer Quiz Correctly
Added on : Wednesday September 10th 2014 12:00:16 PM
g: 0 Posted By: CindyLouWho2
Views: 17 Replies: 0 ~~Nikwax - Free Product If You Answer Quiz Correctly
Nikwax is providing free samples ofone of their productswhen you correctly answer their quiz. Register and complete the quiz with the correct answers (click hint if your unsure) to receive a free sample of one Nikwaxproduct! NOTE:You can only win a maximum of one free product per household every 2 months.
There is usually one trick question or a math question in their quiz so they don't end up giving away too much of their product each month.

http://www.nikwax.co.uk/en-us/webquiz/index.php
Surveys & Rewards Deals
Motorola HX550 Universal Bluetooth Headset $29.99 at Staples.com
Added on : Wednesday September 10th 2014 04:00:08 AM
g: 0 Posted By: serenity22
Views: 188 Replies: 0 $29.99 at Stapels
$34.95 by Emazon 3rd-party sellers 4.1/5 stars 1548 reviews

Use coupons at Stapels to make the deal sweeter
Expires in 6 days or until sold-out


Stapels Write-up:

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CrystalTalk Dual-Mic Noise Cancellation


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Cell Phones Deals

Staples Coupons
Has auto insurance gotten a lot higher over the last several years?
Added on : Tuesday September 09th 2014 11:00:07 AM
g: 0 Posted By: told
Views: 29 Replies: 0 I've only had personal auto insurance once in my life over 2007-2008 in California when I was around 21 insuring an old 80's chevy blazer with Allstate, liability only. Came to a paltry $30 a month or so. Sold it and cancelled the insurance when I moved out of the country. Since then and now I've survived on a combination of bikes trains and other people's insurance plans. I now am moving to Buffalo and will need a car for the first time since. Planning on a cheap used 5 grand civic hybrid again with liability only and Geico is by far the cheapest quote I've gotten and I'm still getting a quote of $80+ a month. I know different states have different rates and expecting to pay the same price now for anything you were paying for in 2008 is a little naive but I also figured being a little older and over that <25 age hump is when your insurance tends to go down. Just looking for feedback if auto insurance in general has climbed that much higher in the last several years or if there's maybe just a chance the online quotes providers give aren't as accurate as they could be going through a live agent.
Discussion Deals
Free 1-Year print subscription to Motorcyclist Magazine - VM
Added on : Tuesday September 09th 2014 09:00:12 AM
g: 1 Posted By: quilligan
Views: 146 Replies: 0 Free 1-Year print subscription to Motorcyclist Magazine - ValueMags

Each issue combines the excitement and color of today's cruisers, sportbikes, naked bikes and touring machines with credible information on road tests, riding gear, safety issues, riding skills, features, new products and much more!
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(I do not utilize this magazine so I do not have any personal validation of entry link.)

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g: 0 Posted By: kharbanda2001
Views: 177 Replies: 0 DEALS
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Flight Deals Deals
Advice for Trip to Washington DC
Added on : Tuesday September 09th 2014 08:00:07 AM
g: 0 Posted By: anonguy
Views: 17 Replies: 0 Our family has cashed in miles (thanks FW on a Southwest credit card offer) for tickets to Washington DC next month (October). Checking TripAdvisor I quickly realized hotels are exceedingly expensive, so I have been looking into AirBnB. One of my questions, though, is what areas are considered safe? Most everybody that lists on the site says they are in a good neighborhood, but DC as a whole isn't the greatest. Since parking seems like a bear, we won't have a rental car and just use the Metro. But since we will have a grandmother and child, I would at least like to know we can walk the streets a little ways without too much worry. Or should I use cabs or a service like Uber if we are coming back after dark?

Also, since we will be there for about a week and a half, so I'm hoping we can cram in as many sites as possible. Which ones would you consider the must do?

Thank you for any advice.
Popular Destinations Deals
Office depot Brother Fax machine Was $59.99 now $19.99
Added on : Tuesday September 09th 2014 08:00:02 AM
g: 0 Posted By: chevytruckgirl4
Views: 144 Replies: 1 http://www.officedepot.com/a/products/768320/Brother-FAX-575-Per...


My momma needed a fax machine and I found this one for her. I don't know much about them but this seemed cheap to me lol.
Office & School Supplies Deals

Office Depot Coupons
Amazon - List of Cookbooks, Canning Books & Recipes - Free KINDLE
Added on : Tuesday September 09th 2014 06:00:05 AM
g: 0 Posted By: CindyLouWho2
Views: 46 Replies: 0 ~~Amazon - List Of Food Books & Recipes - Free KINDLE
Amazon = Several Food Books and Cookbooks - healthy & unhealthy! Free Kindle
JeBouffe Home Canning Step by Step Guide (second edition) Revised and Expanded [Kindle Edition]This guide is intended to provide you with the essential information to make your first small jars in a safe and enjoyable way. It will guide you through all stages from preparation to storage of your products.You will discover the principles of conservation for different types of food, the benefits of home canning, the recommended methods as well as the ones to avoid.Then you will learn the two proper methods of treatment: the boiling water bath and the pressure canning methods. You will find a list of essential equipment and the detailed steps for a successful canning experience.Finally you will gain some hands on experience with our easy and delicious recipes.This guide do not claim to be scientific or complete. We simply wants to give you the tools you need to get into the fun activity of preparing your home preserves.About this second edition:
Following the success of the first edition, and thanks to some suggestions from our readers, we offer this revised version, corrected and expanded. We have included the imperial and some tables on the processing time for the preservation of the most popular fruits, vegetables, meat, poultry and fish. We also cover the effect of altitude on the processing time and pressure required for the safe canning of foods.Improving on the initial contents of this document we have also redesigned it to make it more educational, more fun to read and use.We hope that this new revision will meet your expectations and wish you a successful canning experience and "Bon appetit"=====12 recipes that will allow you to practice the canning techniques. They are divided into three levels of complexity:Level 1 = easy. The recipes are very simple. You can focus on techniques for canning without too much worry about the recipe itself.
Recipe # 1 - Apple sauce with a touch of nutmeg and vanilla (boiling water method)
Recipe # 2 - Canned Pears (boiling water method)
Recipe # 3 - Canned fresh tomatoes (pressure canning method)
Recipe # 4 - Canned Carrots (pressure canning method)2 = medium level. The recipes are a little more elaborate. There are more steps before moving on to canning.
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Recipe # 9 - Plum jam with cinnamon (boiling water method)
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Recipe # 12 - Kedjenou chicken (pressure canning method)By following these recipes step by step, we guarantee the success of your first home preserves. After having practiced the basic techniques you can apply them to your favorite recipes and get our book "JeBouffe Home Canning Recipes volume1" for even more idea.http://www.amazon.com/JeBouffe-Canning-second-Revised-Expanded-e... Recipes: Lose Weight And Feel Great With Fat Burning Nutribullet Recipes [Kindle Edition]
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Canning and Preserving Basics for Sustainable Living (Sustainable Living & Homestead Survival Series... by Gaia Rodale (Jul 30, 2014) - Kindle eBookhttp://www.amazon.com/DIY-Pantry-Preserving-Sustainable-Homestead-ebook... Flour Recipes - 40 Gluten Free Rice Flour Recipes For All Occasions [Kindle Edition]
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Ten Brides Ten Heroes Cookbook
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***
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Kemberlee Shortland (Editor)
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4.9 out of 5 stars See all reviews (13 customer reviSummer is here and don't we all just love our ice cream!But what is you are committed to a Paleo Diet? Would you let some ice cream break your commitment?Now, you don't have to!With this book, Paleo Ice Cream. you can enjoy delicious ice cream free of Gluten, Dairy and any kind oof artificial ingredientet. Simply follow the recipes and have you own, Paleo Frienfly ice cream prepared right in your home.http://www.amazon.com/Paleo-Ice-Cream-Friendly-Creams-ebook/dp/B...
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Totally Free Deals
How to find fair market value of a house and lot
Added on : Monday September 08th 2014 11:00:12 AM
g: 0 Posted By: drdobro
Views: 79 Replies: 4 I am a babe in the woods when it comes to real estate dealings. My wife and I bought our home28 years ago and have lived there since, and that transaction is the extent of my experience. I hope some knowkedgeable folks can offer me advice on the following.My mother, 85 years old and widowed, has decided that her single-family home (3 bedroom ranch and acre lot) is too much. She and my father bought the place in 1967 and it has been kept up well. She wants to move into Section 8 housing, at a nice elderly apartment complex less than a mile from her house.On the Section 8 application, she has to list the "fair market value" of her property, which will not be sold until after she moves (waiting list 12 to 18 months). I asked the people at the housing office what they need, and they said they need a statement of fair market value from a realtor.What would be a typical fee for this kind of appraisal? Should we make any promises about listing the property with the realtor when it comes time to sell? Any pitfalls I should watch out for?Thanks in advance for any assistance.
Question Deals
g: 0 Posted By: dollarsanddeals
Views: 66 Replies: 0 Amazon is running a $30.00 off coupon bringing the final price on this to $104.27, with free SSS. Coupons are always limited, not sure how many of these are available att hat price.

http://www.amazon.com/Decko-Reduced-Function-Locking-Control/dp/...

I have this model, bought it last spring (w/o coupon- darn). watched the install video and it went up easy. works much better than the Craftsman model I replaced it with. 4.7 stars on 7 reviews- pretty good- others seem to agree with me.

some info:
Powerful 1/2 HP chain drive operating system. One single button remote, three function wall panel, light, lock and open/close, optical safety sensors, auto reverse safety sensor. 100 watt lighting system (bulb not included). Motor, powerful HP AC motor for quite reliable operation. Electronics, open and close adjustments with the simple push of a button. Auto reverse safety system with optical sensors. Non- polarized wired connections make installing the photo eyes error proof. Quality, six year limited warranty. Designed to handle extreme cold and heat. 20 point inspection quality control Decko garage door openers where created for the end user or self installing consumer in mind. Ease of installation is the number one reason Decko GDOs will exceed your expectations. Home link compatible, live in person installation assistance available at 1-800-GDO-4402, 8am -8pm central time or www.deckogdo.com.
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New Obama budget may require Roth IRA distrubution at 70 1/2
Added on : Monday September 08th 2014 02:00:10 AM
g: 0 Posted By: stormdog123
Views: 94 Replies: 1 http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs...
[L=http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs... said: http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs-1410120116?ru=yahoo?mod=yahoo_itp]Two[/L] proposals in President Obama's 2015 budget, if approved, would change all that. The first would require Roth owners to start taking distributions at age 70. If that happens, "that asset pool might be pretty much wiped out by the time I get to leave anything to my heirs," says Jamie Hopkins, a professor in the retirement income program at the American College in Bryn Mawr, Pa. The second would end the ability of nonspousal IRA beneficiaries to stretch distributions. Instead, inherited IRAs would have to be disbursed within five years of the owner's death. (Certain beneficiaries would be exempt.)

It is just a proposal now. I hope this does not pass.

Discussion Deals
Cash Discounts for Fun and Profit
Added on : Sunday September 07th 2014 05:00:05 AM
g: 0 Posted By: GermanBoy
Views: 74 Replies: 0 Many merchants offer cash discounts. Sometimes those cash discounts can be greater than available category bonuses.

What types of places are more likely to offer cash discounts that are greater than credit card category bonuses? How much is the discount? Do you have specific examples?

Most gas stations I've seen offer a cash discount, but I've never seen one greater than 5%, so I always pass on this.
My dentist offered a 3% discount for paying with a check and a 5% discount for paying in cash. I don't have a card that offers 5% on dental work, so I took it.
I've never asked at a WalMart, Target, or other large merchant, but maybe they do have something in the register that they can give if asked?
Question Deals
g: 0 Posted By: ctgolfer
Views: 205 Replies: 0 FREE SHIPPING, Plus Up To 5% Back For Rewards Members

3-in-1: print, copy, scan
Wireless LAN (IEEE 802.11b/g/n) and Hi-Speed USB connectivity
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Print a beautiful, borderless 4" x 6" photo in approximately 44 seconds
4800 x 1200 maximum color dpi produces incredible quality and detail in both your photos and documents
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g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Much more than a stylish speaker system, the Altec Lansing Octiv 650 lets you play video from your iPhone 4 or iPod touch on your TV. A free, downloadable "Music Mood" app lets you control a seven-band equalizer using your iPhone or iPod, and the app also provides an ambient library of relaxing visuals and sounds. Multiple input/output jacks let you use the speaker for TV audio, and an integrated, 4-inch downward-firing subwoofer improves the bass content of both your movies and your music. Compact enough to fit on your kitchen counter, this speaker has an all-black finish and wedge-shaped architecture that helps disperse sound evenly throughout your room.

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g: 0 Posted By: ctgolfer
Views: 200 Replies: 0 Premium quality - These affordable cages from SmithBuilt Crates are expertly crafted using commercial-quality materials and superior manufacturing to produce cages built to last a lifetime.

Strong and safe These pet homes are built using all-steel wire (between 5-gauge and 9-guage, depending on the model chosen) for long lasting durability. This high tensile-strength wire is securely formed and welded into a tight mesh pattern, designed to keep your pet safe and secure.

Multiple doors - Crates feature multiple entry/exit doors, providing additional convenience when feeding and training. Each door closes and locks easily with a slide-bolt latch (the doors on the 36" and larger cages each feature two latches).

Superior finish - These cages are finished with an ultra-durable epoxy coating, much stronger than the electro or powder coats seen in inferior cages. This finish is rust, corrosion and fade resistant, even in extreme climates.

Easy to setup - Cages are fully pre-assembled. To use, simply unbox and fold open; no tools are required.

Black ABS tray - Each cage feature an ABS composite tray. Molded from thick, tough plastic material, this durable pan is super easy-to-clean, and unlike cold, hard and noisy metal trays, it will not stain, rust, warp, corrode or retain pet odors. The tray is held securely in the cage with a retaining bar that prevents the tray from becoming accidentally dislodged. The tray features an integrated lip around the perimeter to contain any mess, and it is easily removable for cleaning.

Portable - These lightweight cages are "suitcase" style; this means when you need to take them down, they don't disassemble into multiple paces like other cages. Instead, they collapse, or fold into a flat package less than 4 tall. This allows you the ability to easily transport or store them anywhere, and they only take seconds to setup again. Cages also feature a removable, top-mounted handle for additional convenience.

Optional divider - Cages can be ordered to include an all-metal divider. This allows the internal size of the crate to be made temporarily smaller for training purposes. The divider can then be moved / repositioned as the pet grows in size. The divider can be placed at any position in the cage and removed when no longer needed.

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USAA Raising Rates in Texas ?
Added on : Saturday September 06th 2014 02:00:04 PM
g: 0 Posted By: insidetheloop
Views: 109 Replies: 3 I have been with USAA for 20+ years. I just signed up a new driver last year (16 year old son) and rates jumped big time. I expected that with a new driver. Its now one year later and all 3 drivers in the family have clean records. Since the new driver is now a year into his license with no incidents I wanted to compare policies. Current USAA policy with standard coverage and $1000 deductibles across the board is $3600 for a 6 month term. Geico and Progressive were both less than $2,000. I made sure both quotes were same exact coverage and consulted with USAA agent to make sure I was not missing something. Let them know of the huge discrepancy and asked if they could re-evaluate my policy b/c I did not want to leave. Her response was simply "we don't price match". Double the cost is too much even for the best customer service in the business. I am going to have to switch.

I just wonder how many customers are like me- I always trusted that the policy amounts were competitive but SUCH A BIG DIFFERENCE IS VERY DISAPPOINTING. I feel they are taking advantage of a very trusting customer base .

Am I way off base here or is this the reality of the competitive insurance business.
Discussion Deals
Pension Cashout? Transfer to IRA? or Let it ride?
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: pensioncashout
Views: 2 Replies: 0 Hi forum,

Thanks in advance for your thoughts. I worked for a company for 5 years and qualify for a pension. The amount of my cash out offer is not a huge amount ($16K), but given that I'm only 35, I know I'll subjected to a 10% early penalty fee plus taxes unless I roll-it-over to an IRA or let it ride to retirement age. If I wait until full retirement age, my monthly payment will be about $460 and it includes a 100% joint survivor clause. At today's dollars, assuming inflation of 2.5%, that cuts the monthly payment by ~50%, which isn't a whole lot.

A few additional details:

401K - $320K in mine $100K in my wife's (she's 31)
Liquidity - $185K
Equity in home currently being built - $250K
No credit card debt
No other debts except for some school loans my wife has ($30K) at very low interest rates


I'm in a situation that I don't need the money now, but as we're building a home, I'm tempted to rollover the pension lump sum to an IRA and decrease my 401K contributions to the minimum required to maximize my company's match in order to "recover" the full lump sum amount. Once the construction of the home is completed (6 to 8 months), we're going to refinance the home to a permanent loan. I'll likely keep about $100K in liquidity for emergencies (I'm conservative) and that will leave ~$85K liquidity to use + savings growth from lower 401K contributions + organic savings until then to further reduce the amount we need to borrow. Assuming today's interest rates don't change much, the lump sump would essentially get me a guaranteed effective 4%+ growth since I'd be using it to reduce my home loan amount. Am I looking at this right? What would you do in my situation? Pension Cashout? Transfer to IRA? or Let it ride? Any thoughts are greatly appreciated! Thanks!

New User Question Deals
Suggestions for Tax Advantaged Investment Accounts
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: PedestrianCrab
Views: 39 Replies: 1 Long time lurker, first time poster here.

My annual income is roughly $50k, 25 years old. I have maxed out my Roth IRA for the last five years since I learned about the magic of compounding interest. Nothing fancy, just a basic boglehead portfolio. I also have a personal brokerage account valued at ~$45k. I have an adequate liquid emergency fund set aside as well as access to cheap credit if needed. No other debts currently.

I have ~$35k that I would like to get into the market, but I am trying to think of a smarter way of going about this rather than just sticking it into my taxable brokerage account. My first thought was to see if my employer (State of Texas) allowed me to contribute outside money to their 401k program.. sadly, they do not. I've been researching for a while and have come across a few interesting ideas for folks with much higher incomes, but nothing that seems applicable to me. How can I be savvy about the type of account I use to invest this money in order to see some sort of tax benefit? Is it enough to even worry with?

Thanks!

tl;dr: 25 y/o, $50k income, no debts to pay down, Roth IRA maxed, 401k not looking like an option, how to invest $35k in a "tax smart" manner?
New User Question Deals
Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H
Added on : Saturday September 06th 2014 05:00:04 AM
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H

http://www.gearhog.com/

Deal Overview
By Kevin Muramatsu

You'll appreciate this gun maintenance guide if:

+ You own a handgun, rifle, or shotgun, and want to know how to effectively care for your firearm
+ You're interested in learning about different upgrade and accessory options for your firearm

The Gun Digest Guide to Maintaining & Accessorizing Firearms by Kevin Muramatsu provides user-friendly and DIY advice for how best to care for your guns. Learn the basic steps you need to know and the tools you need to use in order to correctly and safely clean, maintain, and accessorize your firearms without damaging them. Discover the right and wrong ways to clean and maintain handguns, rifles, and shotguns, and learn alternatives to more expensive processes for keeping your gun in prime condition, like refinishing at home and adding custom designs.

In addition to the basics of gun maintenance, cleaning and care, Kevin Muramatsu stresses firearm owners' desires to personalize their guns, and caters to this desire with coverage of plenty of the goodies available for different models. Find out the why, what, and how for stocks, barrels, triggers, sight upgrades, mounting optics, swivels, swings, and much more. If your goal is to give your gun a unique look and feel, this guide will show you how to make that happen. Take advantage of the invaluable advice offered in this gun maintenance guide to ensure you are not only caring for your firearms the right way, but are making them uniquely your own.

In the Gun Digest Guide to Maintaining & Accessorizing Firearms you'll find:

+ Hundreds of detailed, full-color images, directly supported by detailed, instructive text
+ Answers to the most common gun maintenance and care questions
+ The basic steps for correctly cleaning, maintaining, and accessorizing firearms without damaging them

Contents:

Acknowledgements
Introduction
Chapter 1: The Guns and the Choices
Chapter 2: Tools and Safety Stuff
Chapter 3: Cleaning and Maintenance
Chapter 4: Grips and Stocks
Chapter 5: Magazines
Chapter 6: Sights
Chapter 7: Lights and Lasers
Chapter 8: Scopes and Optics
Chapter 9: Slings and Bipods
Chapter 10: Triggers and Fire Control
Chapter 11: Barrels
Chapter 12: Refinishing at Home
Appendix 1: Building Your Own, Legally
Appendix 2: Parts Resources
Books Deals
g: 0 Posted By: ctgolfer
Views: 123 Replies: 0

16.1 MP APS-C size HD image sensor,The same sensor format that Sony builds into the full-sized α DSLRs. With 13 times the area of the typical point-and-shoot image sensor, APS-C sensor size makes the difference between snapshots and photographs, delivering an exceptional combinat
Sonys advanced Fast Hybrid AF combines two technologies for outstanding performance: Phase detection auto focus for quick response that is ideal when tracking fast-moving subjects and contrast-detection auto focus for added precision. A perfect match tha,Fast Hybrid AF
Full HD Movies1 at 60p/60i/24p,Capture HD Movies in your choice of super-smooth 60p, standard 60i or cinematic 24p, all at Full HD 1920x1080 resolution.1 AVCHD codec delivers stunning picture quality. MP4 codec offers
Connectivity with smartphones for One-touch sharing/One-touch remote has been simplified with Wi-Fi/NFC control. In addition to Wi-Fi support for connecting to smartphones, the NEX-5T also supports NFC (near field communication) providing to,Simple connectivity to smartphones via Wi-Fi or NFC
PlayMemories Camera Apps,Personalize your camera by adding new features of your choice with PlayMemories Camera Apps. Find apps to fit your shooting style from portraits, detailed close-ups, sports, time lapse, motion shot and much more. Use apps that shoot, share and save photos
The NEX-5T is equipped with a tilt-able LCD screen that flips up 180-degrees without sacrificing the compactness for which the 5-series is renowned for. This makes taking great self-portraits incredibly easy since users can precisely compose shots, choosi,180-degree tilt-able 3.0 Touch LCD
Picture Effect mode,There are 11 types (15 variations) of Picture Effects to choose from: Posterization (Color, B/W), Pop Color, Retro Photo, Partial Color (R,G,B,Y), High Contrast Mono, Toy Camera, Soft High-key, Soft Focus, HDR Painting, Rich-tone Mono, Miniature. Each is
Up to ISO 25600 sensitivity with advanced noise reduction,With a new Exmor sensor that features the same adaptive noise reduction technology from Sonys flagship SLT-A99V, the NEX-5T easily offers a wide range of sensitivity from ISO 100 to ISO 25600.
Accepts Sony E-mount lenses,Compatible with Sonys wide selection of E-mount series of smaller, lighter lenses designed specifically for α NEX compact interchangeable lens cameras. Open up a world of endless creative options.
Give your photos a professional look with Auto Object Framing. Featuring advancements like exceptional two-person portrait capability along with Face Detection and Tracking Focus, Auto Object Framing not only turns ordinary photos into stunning compositio,Auto Object Framing
Captures more scene dynamic range than a single exposure can handleand more range than photo film. Combines the best highlight detail from one shot, the best mid-tones from a second and the best shadow detail from a third for one incredible shot (up to 6,Auto HDR mode
Capture expansive landscapes automatically. Press the shutter, sweep vertically or horizontally. The camera does the rest, continuously shooting images and stitching them together. Up to 23 MP image size. Up to 202 degrees maximum sweep angle (18mm focal,Sweep Panorama Technology
Improves results with backlit subjects and recovers details hidden in shadows. Settings include Auto, Level with a choice of five operating levels and Off.,Dynamic Range Optimizer (DRO)
Control how the camera processes your images with six finishing styles: Standard, Vivid, Portrait, Landscape, Sunset and B&W. You can even fine-tune contrast, saturation, and sharpness to your personal taste.,Six Creative Style settings
The Photo Creativity touch interface enables you to easily enjoy the creative expression of SLR-quality digital imaging without the complicated settings. Changes can be easily made using the control dial with results seen in real time on the LCD. Settin,Photo Creativity Touch interface
Utilizing Sonys exclusive By Pixel Super Resolution Technology, Clear Image Zoom increases the effective focal length of your lens up to 2x by digitally magnifying the center of your image with nearly imperceptible degradation. It virtually doubles the e,Clear Image Zoom
Easily recharge the camera via USB charging. Simply connect the bundled USB cable and recharge the battery without removing it from the camera, either via AC outlet or PC connection.,Convenient USB charging
Multi-interface Smart Accessory 2 terminal greatly expands the connectivity options such as external flash units,Multi-interface terminal
Stamina battery power for up to 330 shots7,Take up to 330 shots on a single charge7 with Sony lithium ion Stamina battery power. Sony's InfoLITHIUM battery system enables you to see the percent of power rem


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g: 0 Posted By: ctgolfer
Views: 61 Replies: 0 Brand
Intel
Series
520 Series Cherryville
Model
SSDSC2CW240A310
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Memory Components
MLC
Interface
SATA III
Controller
SandForce
Height
9.5mm

Performance
Max Sequential Read
Up to 550 MB/s (SATAIII)
Up to 280 MB/s (SATAII)
Max Sequential Write
Up to 520 MB/s (SATAIII)
Up to 260 MB/s (SATAII)
4KB Random Read
Up to 50,000 IOPS
4KB Random Write
Up to 60,000 IOPS
MTBF
1,200,000 hours

Features
Features
Out-of-the-Box Write Performance (IOPS): up to 80,000 IOPS

Environmental
Operating Temperature
0C ~ +70C

Manufacturer Warranty
Parts
5 years limited
All Intel SSD 520 products sold in the OEM boxes have a five-year limited warranty term; however, the warranty includes a "Media Wearout" limitation. The Media Wearout limitation provides that the warranty shall expire when the usage of the drive has reached a predetermined usage limit established by Intel, which could result in a warranty term much shorter than five years for drives used in heavy-use, enterprise applications. The Media Wearout is determined by Intel's implementation of the SMART attribute "E9" Media Wearout indicator (as measured by and shown in the Intel SSD Toolbox, www.intel.com/go/ssdtoolbox). At any point during the warranty term, if the Media Wearout Indicator reads "1", as measured by the Intel SSD Toolbox, then the drive has reached its wear limit and the Limited Warranty at that point expires, regardless of how much time may have been remaining on the five-year term. This Media Wearout limitation is imposed due to the greater workload demands of enterprise/data center deployment on SSDs.
Labor
5 years limited

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Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
Question Deals
Le Creuset 6.75qt Dutch Oven in Marseille (blue) - $206 @ overstock.com AC
Added on : Thursday September 04th 2014 03:00:04 PM
g: 0 Posted By: yuphehe
Views: 269 Replies: 0 http://www.overstock.com/Home-Garden/Le-Creuset-Marseille-6-3-4-...for $229 and then find a 10% off coupon. They are widely available for new customers, and check your email for existing customers (I got one today), otherwise there is always Cash Back for a slightly less appealing deal. Typically $319

I have been really into kitchen items lately, and did not want to spend so much on a pot, but this seems to be an amazing deal esp after signing up for O-Club, which gave me an additional $10 for my next purchase.
Home & Garden Deals

Overstock Coupons
Catastrophic Roth IRA losses - 2 questions
Added on : Thursday September 04th 2014 11:00:07 AM
g: 9 Posted By: IStillPickUpPennies
Views: 221 Replies: 9 I'm in my early 40's and recently lost virtually 100% of my investments in what was a rollercoaster ride over the past year. I invested in AAMRQ/AAL back in October of last year, and watched the bit of money I socked away each year over the past 15+ years pretty much triple from the company's recovery from bankruptcy and merger. I followed that up with another increase by investing in AAL long term call options, which brought me up to about a quadruple of last year's savings. Afterwards, in June I sold my AAL and diversified into 5 different stocks for more peace of mind. However, I second guessed myself when earnings was coming in July, figuring that the stock would beat expectations and I would get a nice bounce on short term options. Although the stock DID beat earnings expectations, plus also announced a dividend for the first time in decades, evidently the average investor expected more, and the options plummeted in value when we were on vacation. When I got back, the options were worth about 15% of what I paid for them. I held on, hoping the stock would recover, but the options ended up expiring as worthless in the end.

I'm left with about $150 in my Roth IRA, though I had over $100,000 in there back in June. I also had about $45k in taxable accounts that mirrored my Roth IRA, and 100% of that is gone as well. Thankfully, we still have about $7k in an emergency fund, and the kids have "future funds" that were not invested in options, so did not incur losses. Anyway, as far as retirement accounts and free cash, we are about wiped out. I am left with 2 questions:

1) When you have lost 100% of the $ in your Roth IRA, does the government allow for any sort of catch up investing so you can make up for the catastrophic loss? I've been a stay at home dad until recently (we lived off of 1 income), but my youngest child is now finally in school all day, and I can get back to the work force. I'm wondering if I could get a job and sock away 100% of my earnings for the next couple of decades to rebuild our retirement savings. I'm hoping that I am not limited to the roughly $5k a year, because at that rate, it would take me 22 years to be able to rebuild this thing to where I was in early July.

2) I've heard that there may actually be a way to use tax losses in a Roth IRA in such a situation, if I close the Roth IRA account. However, I believe that I read that this would require figuring out the original tax basis. This would be quite difficult, because I used 3 or 4 different brokerages over the past 15+ years, and I only have records from the past ~6 years or so. (none from the old accounts that were closed long ago, when I was making my original contributions) I'm not sure for the life of me how I would be able to figure out a fair tax basis for the Roth IRA, given that my contributions were sporadic over the years, and that the old accounts have been closed for years and years. Considering that, would it even be worth closing the account and trying to have some sort of tax gain out of it?

Thanks so much for any suggestions

Investing Deals
Any halfway decent home warranties for old HVAC?
Added on : Thursday September 04th 2014 04:00:05 AM
g: 0 Posted By: nic3456
Views: 69 Replies: 2 I know Home Warrantys get a bad rap (and well deserved in most cases) - but I'm thinking about signing up for one again after receiving a letter from my mortgage servicer. The main thing I'm interested in is coverage for the Heating/AC units. I have 2 compressors (both replaced in 2001) and 2 furnaces (one replaced in 2001 - the other is original to house from 1987!!). The furnace from 1987 is still working fine, but I can't imagine its going to last much longer as its over 28 years old. Any experiences with particular companies that performed at least decently in regards to HVAC? 1 key is I will need a plan that covers preexisting stuff just to reduce hassle. We have maintained it as needed (only been in the house for 2 years), but want to avoid as many possible "outs" for the insurance when the furnace bites the dust down the road.

NOTE: I should probably go ahead and replace the equipment to get something more efficient, but my HVAC only costs me about $1,500/year so I don't think I would see enough savings right now to justify the expense.
Question Deals
g: 0 Posted By: julesingeorgia
Views: 179 Replies: 0 Haven't seen toilet paper listed in a while. This is a much better deal if you have enough in your subscribe & save delivery to get 20% off. I did and it came out to $19.15. I know you can get it cheaper by shopping around and using coupons but this is for those of us who like our toilet paper delivered to our door!
Quilted Northern Ultra Plush Bath Tissue, 48 Double Rolls
or if you would rather have Quilted Northern Ultra Soft and Strong Bath Tissue, 48 Double Rolls
Home & Garden Deals
Effective ways to reduce utilities
Added on : Wednesday September 03rd 2014 04:00:14 PM
g: 0 Posted By: FattenUpMyWallet
Views: 67 Replies: 3 Long time lurker, first time poster.

my name is Jeff and I've not lived the life of a FWF member up to this point. Without going into too much detail, I'm not meeting my financial goals. However I've read all the other woe is me I'm in debt but i won't take your advice threads and this isn't one of them.

I'm critiquing my own budget step by step and one thing that comes to mind is my utilities. I pay out $70/month on the balanced pay plan with my natural gas provider. I also pay about $70/month for water/sewer and anywhere from $65 to $110 for electricity.

I believe there must be some inexpensive or free ways to reduce my utility bills. I've read all the government suggestions for how to accomplish this and I've implemented some but I'm looking for less conventional but equally useful ideas. If anyone would have any, it would be FWF.

Thanks to everyone in advance
Personal Finance Deals
What is my Best Option For Our Health Insurance?
Added on : Wednesday September 03rd 2014 10:00:11 AM
g: 0 Posted By: justignoredem
Views: 21 Replies: 0 Okay so I'm in a bit of an interesting situation. I have never had an HSA, nor do I know much about it other than general reading on it (Vanguard, bogleheads). So I still feel like I do not know enough about the account. A lot of people seem to advocate HSA accounts in the finance forums, so I figured this would be an ideal place to get different opinions. Below are the general options between my wife and I at our careers going into the next 2 months.

Wife:Her Company is about to split off, long story short, she will have to pick new benefits when the new fiscal year comes (October 1). She will have 2 options - 1. a standard PPO, covers ~80% for a decent amount per month. or 2. an HSA that covers the basics but gets company supplementation. Also has the option for FSA.

Myself:I'm currently on break. I will be joining a big 4 company shortly. As you can guess, they have tons of choices. Everything from an incredibly expensive option that covers everything 100% (but is expensive every month), to one that covers the basics for very cheap, to an HSA that covers the basics, to a standard PPO that covers 90% for a decent amount. Also has an FSA.

The kicker? We see a baby entering our lives in the next year. It will be happening soon, so that will be a major factor. This is what makes me feel an HSA is not an option, because funds will obviously be needed on the spot for hospital visits for the kiddo and pregnancy/delivery basics. HSA would obviously be the option when you foresee healthiness that you can save up for, correct?

1. Am I correct in that assumption that HSA is not a viable option with a child on the way shortly?
2. Considering a baby would be on the way, would it at all make sense EVER to get the 100% coverage option? Obviously it's not going to cover 100% of all costs (Prescriptions for example). We're talking something like $300/mo vs. $200/mo for 90% PPO.
3. What do you guys see as the ideal path? Consider the FSA accounts as well.
4. Lastly, is there maybe some kind of Hybrid situation I'm not seeing? Maybe getting a PPO on my side but also getting the HSA on the wife side for the company match would be beneficial?
Personal Finance Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
g: 0 Posted By: ctgolfer
Views: 135 Replies: 0 Save $80via mail-in rebate with the purchase of 21-inch iMac Part# 9425078. Offer good through Sep 30 2014 11:59PM PST.
Apple MD094LL/A 21.5 iMac Quad-Core Intel Core i5 2.9GHz, 8GB RAM, 1TB Hard Drive, NVIDIA GeForce GT 650M graphics processor with 512MB of GDDR5 memory, Two Thunderbolt ports, Apple Wireless Keyboard and Magic Mouse, Mac OS X Mountain Lion (2x4GB DDR3 SDRAM)

Few all-in-one desktops are as reliable as Apple's popular iMac. Now in a unibody enclosure that takes up 40 percent less volume than its predecessor, the iMac is equipped with top-of-the-line hardware and the latest Apple OS to ensure a consistently efficient performance.

Powering the iMac's speed is a quad-core Intel Core i5 processor, with Turbo boost speeds of up to 3.6GHz to handle even the most performance-intensive tasks. The iMac's eight-GB memory lets you simultaneously use more applications, making multitasking easier and boosting productivity. Mac OS X Mountain Lion also provides a more intuitive user experience through its suite of new apps, including Notification Center and Messages.

Graphics-wise, the iMac counts on an NVIDIA GeForce GT650M GPU with 512MB of dedicated video memory. You'll see the improvements in the iMac's graphics performance when you're editing HD videos or playing 3D games. The iMac's display now also features IPS switching technology and an LCD panel that sits right up against the cover glass; this way, images are much more realistic and can be viewed from nearly any angle. The cover glass is also designed to produce significantly less glare, making using the iMac even more enjoyable.

The 21.5 iMac offers an enormous amount of storage space through its 1TB hard drive. With this much space in its HD, this Mac desktop can accommodate large file libraries and more frequent backups. If you want more storage space or if you want to use peripherals for your iMac, the iMac is also equipped with a handful of Thunderbolt and USB ports, including an SDXC card slot

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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.
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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.
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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)

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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...


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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.

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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.
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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
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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!
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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

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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
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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.
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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%.
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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

Here are the details on the offer from Amazon's website:Current Total:$ 31.32Gift Card:- $ 70.00Cost After Savings:$ 0.00Savings Remaining:$ 38.68Three Easy StepsClick the button below to sign-in to your Amazon.com account and complete a short form.If you're approved, your new credit card and a $70 gift card will be added to your Amazon.com account.Use your gift card and get $70 off your purchase today!E-mailassword:New Amazon Customer?Start here=14pxAmazon.com Rewards Visa Card from Chase.=21.021020889282227px$70 OffA $70 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application*

=21.021020889282227pxInstant CreditYou can start using your card today on Amazon.com upon approval.*
Get rewarded on every purchase
Your % Back rewards are earned as points. You get one point for every penny you earn in % Back rewards.
Redeem for instant savings at Amazon.com checkout*During checkout, you can see your rewards balance and choose how much to use. There's no minimum to redeem. 100 points = $1.00 when redeemed at Amazon.com towards eligible purchases.
=20pxYou can also redeem for Cash Back, gift cards and travelRedemption minimums may apply for Cash Back and gift cards.
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?


Question Deals
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
30% more run-time than the competition with the ability to drive up to 130 3-in screws
Fuel gauge lets you easily see how much battery life is left
Metal gear housing ensures a greater durability and a longer tool life
Built-in LED light illuminates the work area and makes it easier to see in dark, tight spots
30-minute charger keeps you working with little to no downtime
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


www.ebay.com/itm/Milwaukee-2401-22-12-Volt-Heavy-Duty-Cordless-S...
Tools Deals

eBay Coupons
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/

4.5 out of 5 stars (32 customer reviews)

What if Jesus didnt die so our lives could look perfect? What if He died so we could stop feeling like our lives have to be perfect to mean something? What if we simply live out our own story, even if it doesnt look as others say it should? Mandy Steward set out in pursuit of these what-ifs. She didnt find answers so much as she discovered a messy grace that knows no limits and a God that was and is willing to thrash about with her no matter her questions or struggles or doubts. What she found was abundant life, but it didnt look like she thought it was going to. It was far different, and much deeper. This is a book without easy answers that lets those struggling with faith and searching for more know they are not alone.


Also free

Animals Pray Too: Dear God... Twenty-six Caught-on-Camera Prayers for Children (To Inspire and Make Them Smile) (Animals With a Message Book 6)
http://www.amazon.com/gp/product/B00DYLGAOW
4.7 out of 5 stars (21 customer reviews)

Kids Book About God: A Childrens Book About Prayer, A Guide For Parents About Children and Prayer (Faith Alive 1)
http://www.amazon.com/gp/product/B00DRNGKKG
4.9 out of 5 stars (8 customer reviews)

How To Pray Like Jesus: How to Pray the Lord's Prayer Effectively, a Prayer Book About the Lord's Prayer (Faith Alive)
http://www.amazon.com/gp/product/B00E9POM1U
5.0 out of 5 stars (7 customer reviews)

The Angels Are Talking
http://www.amazon.com/gp/product/B00D3RTRFQ
5.0 out of 5 stars (3 customer reviews)
Books Deals

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.

FREE ground shipping on orders of $149 or more
$9.95 ground shipping on orders less than $149


Kindle Technical Specs:

No-glare matte screen reads like real paper.
Sharp, clear text with adjustable sizes and custom fonts.
Up to a month battery life on a single charge.
Access to a huge selection of games, applications, books, magazines, newspapers and blogs.
Whispersync technology, free library backup and various organizational tools for easy access to content.
Built-in dictionary for easy look-up.
Bookmark and annotation features, access to popular highlights from other readers and the ability to share your thoughts and notes.
Parental controls for peace of mind.
And much more!

Merchandise cannot be returned without the free Kindle E-Reader in the original unopened package. Cannot be combined with any other special dollars-off offer, including military discount, watch discount, credit card reissue offer, repairs, appraisal services, care plans, customer appreciation certificates, Helzberg Diamonds gift cards or at Helzberg Diamonds Outlets.

Android Tablets Deals
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
Views: 114 Replies: 0 Exclusive "100 Years of Universal" 72-page book: the story of Universal Pictures filled with rare photos and archival materials
Exclusive 15-track music CD: a selection of the most memorable scores from Universal's movies including Jaws, E.T. the Extra-Terrestrial, Back to the Future, Out of Africa, Psycho, To Kill a Mockingbird, The Sting and more
Exclusive bonus disc: "100 Years of Universal" featurettes, vintage cartoons and rarely seen shorts from the Universal vaults
Plus over 50 hours of bonus features: documentaries, deleted scenes, outtakes, audio commentaries and much more!

www.bestbuy.com/site/universal-100th-anniversary-collection-blu-...
Blu Ray Deals

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
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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
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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)

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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.

http://monoprice.shop.rakuten.com/p/premium-bluetooth-hi-fi-over...
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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: 0 Posted By: Deals4mykids
Views: 197 Replies: 0 http://www.surlatable.com/search/search.jsp?N=4294967064&Ntt=107...

Sale Price: $34.96.
Coupon Code: AUGUST10
Drops it to $31.46 + Shipping: $7.50

With its hard-anodized constructiontwice as strong as stainless steelour versatile braiser handles a variety of cooking tasks with ease. Professional-quality, heavy-gauge aluminum provides fast, even heating and superior cooking performance, reducing hot spots that burn food.

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g: 11 Posted By: remick
Views: 1070 Replies: 9 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

Can We Build It? 01 We Can
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Which Mac Should I Buy?
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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
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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
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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.

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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.

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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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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!
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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?
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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.



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

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

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

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

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

Thank you for reading!
New User Question Deals
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?
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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.
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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
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Up to 64GB microSD card slot expansion, great for storing larger files
5MP rear camera for capturing life's unforgettable moments
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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!

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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.
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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
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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
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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

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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

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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
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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
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Id-rack are try as much as accurate on color of image. No 100% guarantee on color as screen may slightly difference.


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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.
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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.


Books Deals
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-...


Printers & Ink Deals
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
The BEST way to study
Workable ideas for reducing test anxiety
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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
Books & Magazines Deals
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.
Books Deals

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

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

Don't confuse this system with the CineMate GS offering from Sears. That system has an advanced universal remote and Gemstone speakers, and the system is about $100 more.
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Sams Club Coupons
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......
Question Deals
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.

Saturday August 16 from 7p.m. - 9p.m. for Idaho & Utah

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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!
Ultimate Quality Collection!
200 HD pictures!

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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335 Salvador Dali Paintings !!!
Complete Works from 1925 to 1983!
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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.

Saturday August 17 from 7p.m. - 9p.m. for Idaho & Utah

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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.
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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.
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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.
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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.
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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?
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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
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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.
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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...
Furniture Deals

Sams Club Coupons
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

Cameras Deals

Staples Coupons
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

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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!
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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?
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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

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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.



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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?
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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.


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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
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​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.
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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!
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g: 0 Posted By: ctgolfer
Views: 76 Replies: 0 Brand
Seagate
Series
Barracuda
Model
ST1000DM003
Packaging
Bare Drive

Performance
Interface
SATA 6.0Gb/s
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RPM
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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!"

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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 --

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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.
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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

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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

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Apps download wirelessly right to the InnoTab 3S after purchase by parent


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


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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
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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
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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
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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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Shnoop.com Coupons
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

Amazon Coupons
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...
Clothing Deals

JCPenney Coupons
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...
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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
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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 no