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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!
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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
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$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
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$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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Tools & Automotive Deals

Amazon Coupons
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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Amazon Coupons
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
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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...
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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

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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
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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%)


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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
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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
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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?
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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.

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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
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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.

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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

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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.
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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
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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.
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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.
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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.
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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



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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
http://www.westmarine.com/buy/revere-supply--ultimate-survival-g...

REVERE SUPPLY Ultimate Survival Silver 30-Day Lantern
http://www.westmarine.com/buy/revere-supply--ultimate-survival-s...



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.
Coast Guard Type III approved PFD
Segmented foam panels for low-profile feel
Drains quickly so it won't get heavy
Zip closure and 2 adjustable belts
Soft neoprene material for comfortable feel


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)


Titles Available
TIME
Sports Illustrated
Entertainment Weekly
National Geographic Traveler
Equire
Vogue
Wine Spectator
Maxim
Travel + Leisure
Popular Mechanics
Women's Day
Better Homes and Gardens
Bloomberg Businessweek
Seventeen
People (3 Months)
US Weekly (3 Months)
Afar
Allure
Autoweek
Black Enterprise
Car and Driver
Cigar Aficionado
Coastal Living
Conde Nast Traveler
Elle
ESSENCE
Fast Company
Food & Wine
Food Network
Glamour
Golf Magazine
Good Housekeeping
Harper's Bazaar
Health
InStyle
Kiplingers Personal Finance
Money
NYLON
People en Espanol
Prevention
Real Simple
Redbook
Road & Track
Self
Sunset
The Atlantic
This Old House
Veranda
Weigh Watchers
Western Horseman


MagazineOutlet, a preferred service partner of Bizrate, will process and fulfill your selections.*For TIME, Sports Illustrated, Entertainment Weekly, National Geographic Traveler, Afar, Allure, Autoweek, Better Homes and Gardens, Bloomberg Businessweek, Car and Driver, Cigar Aficionado, Coastal Living, Conde Nast Traveler, Elle, Esquire, ESSENCE, Fast Company, Food & Wine, Food Network, Glamour, Golf Magazine, Good Housekeeping, Harper's Bazaar, Health, InStyle, Money, NYLON, People, People en Espanol, Popular Mechanics, Prevention, Real Simple, Redbook, Road & Track, Self, Seventeen, Sunset, The Atlantic, This Old House, Travel + Leisure, Us Weekly, Veranda, Vogue, Wine Spectator and Woman's Day, $2 covers the cost of the issues and no p/h applies. Other selections include the first year already paid for by TownWizard. All selections come with automatic renewal features.
Program and Delivery Details
Offer Details
Thank-You Value is based on selecting the 4 highest valued complimentary titles in comparison to newsstand prices. Enjoy the number of issues shown of your magazine selection(s). For select titles, just $2 covers the rate and/or processing as indicated. For individual use only. Not for resale. Orders subject to approval..
Automatic Renewal
Your selections will continue annually. Each year, you'll receive a reminder notice specifying price plus processing (and any applicable sales tax) and billing terms for the next term of issues and you authorize the account you provide to be charged the rate on the notice for the next term of issues unless you choose to cancel. If a magazine becomes unavailable it may be replaced by another with the same renewal features.
Delivery Details
Allow 4 to 10 weeks for delivery. U.S. orders only. Not all titles are available for delivery to APO/FPO addresses.
Order Processing
The account information you provide will be used by the vendor to process your selections as described. A valid credit/debit card is required for this offer.
Customer Service
For questions or to cancel, call 1-800-429-2550.
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:

Up to 9 hours talk time
Up to 16 days standby time
CrystalTalk Dual-Mic Noise Cancellation


Emazon write-up:

Comfortable Bluetooth headset with multiple wearing styles--on-ear; in-ear without hook; and in-ear with earhook
Superior audio quality and noise cancellation of CrystalTalk
MotoSpeak app from Android Market allows you to Dictate texts hands-free as well as hear your text messages
Take calls from two phones all from the same headset using Advanced MultiPoint
Up to 9 hours of talk time, up to 384 hours (16 days) of standby time
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CUSTOMIZE FOR COMFORT- The first headset that lets you choose how you want to wear it from three options - on your ear, in-ear with an earhook or in-ear without a hook

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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.
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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!
This subscription was purchased on your behalf byStartSampling.com

(I do not utilize this magazine so I do not have any personal validation of entry link.)

https://www.valuemags.com/freeoffer/freeoffer.asp?offer=Motorcyclist_StartSamp
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g: 0 Posted By: kharbanda2001
Views: 177 Replies: 0 DEALS
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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.
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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.
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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.
Recipe # 5 - Tangerine marmalade (boiling water method)
Recipe # 6 Pork Cretons la JeBouffe (pressure canning method)
Recipe # 7 - Quick and Tasty Green Ketchup (boiling water method)
Recipe # 8 - Marinara Sauce (pressure canning method)Level 3 = complex. The recipes are longer and more complex. There are more steps before moving on to canning.
Recipe # 9 - Plum jam with cinnamon (boiling water method)
Recipe # 10 - Nectarine Chutney (pressure canning method)
Recipe # 11 - Cherries and Raspberries Spread (boiling water method)
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]
Sarah Harvey (Author)
5.0 out of 5 starshttp://www.amazon.com/Nutribullet-Recipes-Weight-Great-Burning-ebook/dp... in Your Skillet: A Collection of Skillet Recipes [Kindle Edition]
Dennis Weaver (Author)
3.8 out of 5 starshttp://www.amazon.com/Baking-Your-Skillet-Collection-Recipes-ebook/dp/B...
Easy Appetitzer Recipes
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Green & Lean: 20 Vegetarian and Vegan Recipes for Building Muscle, Getting Lean, and Staying Healthy [Kindle Edihttp://www.amazon.com/Green-Lean-Vegetarian-Recipes-Building-ebook/dp/B...
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]
Sarah Stevens (Author)http://www.amazon.com/Rice-Flour-Recipes-Gluten-Occasions-ebook/...
Ten Brides Ten Heroes Cookbook
http://www.amazon.com/Ten-Brides-Heroes-Cookbook-ebook/dp/B00L4D... Free Cookbook for Busy People on a Budget: 50 Delicious 30-Minutes-or-Less Recipes for Weight Loss, Energy & Optimum Health [Kindle Edition]
Helen Marie (Author)http://www.amazon.com/Gluten-Cookbook-People-Budget-30-Minutes--...
***
Slow cooker chicken recipes
http://www.amazon.com/Slow-Cooker-Chicken-Recipes-Goodies-ebook/...
***'
Just Desserts [Kindle Edition]
Kemberlee Shortland (Editor)
http://www.amazon.com/Just-Desserts-Kemberlee-Shortland-ebook/dp... Ice Cream : 30 Home Made, Paleo Friendly, Ice Creams To Keep You Cool And Happy! [Kindle Edition]
Dan Thompson (Author)
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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Burger Recipes: Juicy, Succulent Burgers Everyone Will Love (Everyday Recipe) [Kindle Edition]
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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?
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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
Automatic Duplexing (two-sided printing)
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Print a beautiful, borderless 4" x 6" photo in approximately 44 seconds
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also available in white
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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.

http://1sale.com/electronics/audio-gaming/m650/
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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

www.newegg.com/Product/Product.aspx?Item=N82E16820167088
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

www.macmall.com/p/Apple-iMac/product~dpno~9425078~pdp.iaebhaj
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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.
Restaurants & Entertainment Deals
tax benefits of issuing 1099-C as an individual
Added on : Sunday August 31st 2014 04:00:09 PM
g: 0 Posted By: kgotze
Views: 37 Replies: 1 long story short:
I ownan open judgement against someone who may be essentiallyuncollectable... rather than trying to put a lot of effort into collections, I was wondering if it was possible to claim some tax benefit by writing off the debt and issuing a 1099-c (as was all the rage in the mortgage forgiveness actions in the last 5 years or so).

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

anyone have any experience or pointers?


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

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

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

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

4.8 out of 5 stars (8 customer reviews)

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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...


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

and much much more.

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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.
Cameras Deals

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

Ships from and sold by Top Quality Factory.
Pets Deals

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

http://allure.com/free-samples

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

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

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

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

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

Ships from and sold by Top Quality Factory.
Pets Deals

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

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

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

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

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


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

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

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

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

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


Monitors Deals

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

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

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

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

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

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

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

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

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

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


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

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

Food Deals

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

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

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


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

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

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

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

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

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

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

$254.38
$10 off
= $244.38

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


Routers Deals

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

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

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

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

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

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

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

$254.38
$10 off
= $244.38

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


Routers Deals

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

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

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

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

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

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

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

Thanks, all

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.


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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?
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Free 6" Kindle e-Reader with $150+ Jewelry Purchase +FS at Helzberg.com
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g: 0 Posted By: fivetalents
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Which is better swapalease or leasetrader
Added on : Wednesday August 20th 2014 06:00:13 AM
g: 0 Posted By: traderneal
Views: 114 Replies: 3 Hoping to get some info on swapalease or leastrader


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

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

Has anyone used Craigslist to get out of a lease?



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

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


In case anyone is interested



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


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

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

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

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

Thanks!
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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
Views: 179 Replies: 0 http://www.amazon.com/dp/B007S63PS8

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Added on : Monday August 18th 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 117 Replies: 0 shipping adds $5

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

Brand
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Series
520 Series Cherryville
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SSDSC2CW240A310
Device Type
Internal Solid State Drive (SSD)
Used For
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Capacity
240GB
Memory Components
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Kindle for $69.00 from Amazon
Added on : Sunday August 17th 2014 07:00:07 PM
g: 1 Posted By: TomPtz
Views: 59 Replies: 0 KindleWi-Fi, 6" Display $69.00
FREE Shipping
Offer Type: Kindle with Special Offers
With Special Offers $69
Without Special Offers $89
Special Offers display when you are not reading.
In Stock.
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Chase cheapest on NY jumbo mortgages?
Added on : Sunday August 17th 2014 02:00:12 PM
g: 0 Posted By: deeder
Views: 69 Replies: 0 If I do stay in the USA the home I want is 2 million. Was looking around for jumbo mortgages and thought some deals were cheaper like Investors Savings Bank but then noticed Chase had 4.0 with .88 points and a 4.07% APY and no other fees listed. It also gives 1% mortgage Cash Back with a checking account so that should be 15000 less over 30 years.

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

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


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

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

So we had the following questions:

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

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

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


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

This efficient multi-tasker is sure to become your go-to choice for everything from searing to slow cooking, braising to browning, and much more!
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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
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Protecting Your Privacy: A Guide to Keeping Prying Eyes from Your Computer and Online Activities (Location Independent Series Book 5)
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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)
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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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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.

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

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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.

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

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

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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..
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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?
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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?
Las Vegas Deals
What to Charge for Property Management...?
Added on : Wednesday August 13th 2014 06:00:12 AM
g: 0 Posted By: jess888
Views: 108 Replies: 7 I have been approached by an acquaintance to potentially "manage" their expensive vacation home in my town. They are a well-to-do couple with small children and can't get to their second home very often.

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

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

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

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

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

Android Tablets Deals

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

Compare at Amazon for $52.58 shipped.

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

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

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

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

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

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

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

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

Features:

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

Additional Information:

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

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

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

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

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

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

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

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

Batteries & Chargers Deals

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

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

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

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

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

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

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

Black version

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





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


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

Choose from 6 Colors

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


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

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


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



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


Furniture Deals

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

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

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

We are reasonably comfortable in dealing with software/hardware.

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

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

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

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

http://www.gearhog.com/

Deal Overview
The Essentials of Reloading Collection
Format: Collection

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

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

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

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

****

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

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


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
And much more

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.
Home Theater & Audio Deals

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
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4.6 out of 5 stars (99 customer reviews)

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



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

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



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

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

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

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

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

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

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

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

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

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




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

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

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

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

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




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
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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.
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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.
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g: 0 Posted By: DaysFan
Views: 72 Replies: 0 Garden Concerts for Kids is a free outdoor music series for kids and their families in the Getty Center's Central Garden featuring some of the best children's musical artists from across the nation.

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


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

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

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

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

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

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

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

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

4.4 out of 5 stars (22 customer reviews)

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

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

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

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

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

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

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

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

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

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

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

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



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


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

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

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

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

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

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

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

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


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


http://www.newegg.com/Product/Product.aspx?Item=9SIA1R212P0708
Software Deals

Newegg Coupons
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
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Waterproof/Breathable GORE-TEX Bootie
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Polyurethane Midsole
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Non-Metallic Safety Toe: Meets ASTM F2413 Standard for Protective Footwear

Matterhorn 6001949 Mens 10 Inch Waterproof All Leather Field Boots, Black
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Goodyear Welt Construction
Leather Comfort Collar
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Also available with 200-gram Thinsulate

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400 grams of Thinsulate Insulation
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable DRYZ Polyurethane Insert
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Goodyear Patented Flex-Welt Construction
Heel Height: 1 1/4"

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

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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

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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.

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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?
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 GeneralBrandLepowSeriesMoonstone 6000ModelMS6000-US-01TypePortable BatteryColorGreen/Black/White/Red/YellowCompatibilityCompatible Phone ManufacturerUniversalCompatible Phone ModelFor iPhone 5S, 5C, 5, 4S, 4 (Apple adapters not included), iPod, Samsung Galaxy Note, Galexy S4, Galaxy S3, Galaxy S2, Galaxy Nexus, HTC One X, One S, Sensation G14, ThunderBolt, Nokia N9 Lumia 920 900, Blackberry Z10, Sony Xperia Z; Google Glass, GoPro and MoreSpecificationCapacity6000 mAhSpecificationsOutput: 2 * 2.1 A / 1.2 A

Input: 5 V / 1 AFeatureFeatures

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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.



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

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


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

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


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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
Capacity
1TB
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.

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

http://www.gearhog.com/

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

NRR= 20dB

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

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

5.0 out of 5 stars (9 customer reviews)

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

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

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


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

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

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


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

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

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

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

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

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

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

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

Let's arm our children with tools for success; while you gain some relief. This book and kit is a positive and educational solution. PLAY "The Discipline Solution" Really does work.
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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

VTech Kid Connect With your kid. Anytime. Anywhere

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

Make a Wish

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


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


Daily Deals

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

Steam gift card

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

Description
Terms and Condition

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

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

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

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

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

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

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

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

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

Routers Deals

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

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

Batteries & Chargers Deals

Amazon Coupons
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
Cell Phones Deals

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.
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g: 0 Posted By: cyberpitstop
Views: 144 Replies: 2 Link
use coupon code
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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
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Electronics Deals
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What do you people think?





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

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

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

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

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

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

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

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

4.2 out of 5 stars (21 customer reviews)

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



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

4.2 out of 5 stars (19 customer reviews)

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



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

4.3 out of 5 stars (10 customer reviews)

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



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

4.8 out of 5 stars (50 customer reviews)

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



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

4.2 out of 5 stars (52 customer reviews)

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



New on 7/17

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

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

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

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

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

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

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

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

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

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

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

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

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

Note: Coupon is valid forNew Customers Only.

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

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


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




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

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

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

Total: $1699.25

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

Total: $2565

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

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

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

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

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

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

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

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

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

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

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

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

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

4.4 out of 5 stars (27 customer reviews)

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

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

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

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

Remember Hurricane Katrina and Superstorm Sandy?

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

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

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

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

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


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

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

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

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

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

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

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

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

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

I would like to cancel my card in next few months, as I don't travel much from what i anticipating.so my miles will not go towards flying..

If i try to order Giftcard i could get only 400$ only,is there a better possibility other than this to redeem my miles 110K miles?

Appreciate your opinions.
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g: 1 Posted By: remick
Views: 136 Replies: 0 Italy for First Timers
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How do you deal with collecting daily spending data
Added on : Friday July 11th 2014 05:00:05 PM
g: 0 Posted By: calvin888
Views: 68 Replies: 2 I would appreciate all FWers here to share their successful experiences dealing with the tedious work of tracking and logging down daily spending, especially cash spending?Things getting really bad, family members are not helping. Wife and kids dont like to log down their daily spending and hate to be questioned for those numbers they dont like to remember everyday. Lots of vague descriptions and incomplete receipts are left for me to figure out. That is hours of detective work to put the broken pieces together, and the results are still not precise.

So much time and efforts,I am so tired but can not quit. Theworst part is no one appreciates it.
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g: 1 Posted By: ctgolfer
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Free bag of much-ado-about-Mango snacks - survey
Added on : Friday July 11th 2014 09:00:12 AM
g: 0 Posted By: remick
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Added on : Friday July 11th 2014 02:00:10 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00AKJN4GI

Millions of people around the world are interested in controlling their homes with a smartphone or tablet device over the Internet, but don't know where to start?
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Added on : Thursday July 10th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison ChartShipping Note:Eligible for shipping to all 50 statesWarranty:90 Day Roku

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g: 1 Posted By: LearningFast
Views: 121 Replies: 4 Hi all, I am a new member who is still very much learning how to manage money and credit, but have learned a ton reading these forums in the past couple of years when I had literally no credit file.
Below I tried to condense the very helpful things Ive learned here into a little HOW TO which I think contains all the things I wish I knew a while ago and learned here, albeit fragmented. Of course, all these will differ between people so feel free to add.
The two general rules of the money life that Ive learned.
1. Small discounts really can add up, if done right.
2. If your credit file had mass, it would be worth its weight in gold. Good credit allows you to get low interest car and mortgage loans, which (because of how compounding interest works) can save you even tens of thousands of dollars.
Ok, so how do you get ahead? Lets assume you have no credit at all and make a very low income (say $20,000/year). Right now:
- Get a credit card. Definitely #1 on your list. You should get a credit card with rewards if at all possible. Student cards (if you are one) will usually have top notch rewards and can be approved for people with no limit (Discover It for students, Sallie Mae Mastercard, Chase Dividend for students, BoA Cash Rewards for Students are some good ones). If you have a bank youve had a relationship with for a while, tap them for a card I got my first CC like that, and it has great rewards. Pick a no annual fee card, preferentially from a prime lender, as this account should be with you for life. If you cant get a credit card from anywhere, get a secured card first, and then after 6 months get a real credit card.
-Begin tracking your credit. Sign up for creditkarma.com, creditsesame.com and quizzle.com. These sites allow you to track your credit report in real time from the three US credit reporting agencies, and give you credit scores. These scores are not the true scores used by lenders (they use a different algorithm) but the trend can be useful as a rough estimation in how youre doing. -=7pt Begin tracking all your expenses using a service like mint.com
- Move all your primary banking to a rewards checking account from a credit union (places like Lake Michigan Credit Union, Inova Credit Union, Great Lakes credit union are good ones). Rewards checking accounts have no fees and offer much higher interest than any savings account, and usually will reimburse ATM fees and sometimes give free checks. It doesnt matter if you dont live near the credit union, because internet.
-Open a Roth IRA account, where you can put after-tax money which you will then take out tax free at retirement (or as a one time thing when you buy a house). This a fantastic deal for people in their 20s with low income (and a low tax rate).

For the next 6 months:
-Pay your credit card bill BEFORE the statement cuts each month. That way not only will you not carry a large balance (its good to leave a few dollars there) but if you have a low limit having even $200 there can make it look like a huge utilization and hurt your credit.
- Use your rewards credit card to pay for everything. CashBack/points add up if you use them all the time. If your rent is under $1,500, use SERVE with Isis to load money using your credit card (and get points) and then use the Billpay feature to pay rent and any other utilities you cant pay with a CC.

6-12 months
- ask for a credit line increase on your credit card (depending on the issuer, this might be a hard credit pull)
-get another CC or two. Strongly consider applying for an easy to get AMEX like BlueSky Everyday. All AMEX cards are pretty good. The golden feature about them is that AMEX backdates all cards to the moment you joined AMEX, so all FUTURE AMEX cards will show up as being opened at the same time. This will help your credit score in the future. This is also a good time to try get a workhorse card: a card which gives universal high CashBack/miles. These are the Fidelity Amex (underwritten by BoA), which offers 2% CashBack on everything, the Capital One Venture (essentially 2%, but has an annual fee). If you get denied, call recon (see below).

1.5-2 years:
- If youve been doing everything right you should have a credit score in the 700+ range and be eligible for some pretty nice rewards cards by now. Which ones you get depends on your spending pattern. For example, I applied for the US Bank Cash+ Visa Signature because I eat out a lot. Now Visa Sig cards are difficult for you, because by definition they need to have a credit line of over $5000. I was in fact offered an inferior product instead, but told I can PC later (not uncommon for US Bank). Called once a month, and after two months I had the Cash+.

2 years+
-By now you should be eligible for pretty much any CC you want, although some might be hard for you to get. The holy grail of high end credit cards for people with super good credit are the ones from the Pentagon Federal Credit Union. There you can get 5% CashBack on gas, ~4% CashBack on airline tickets. Hard to get but not impossible at this stage. Just make sure you have no inquiries on quizzle and very low balances on all other cards when you apply.

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
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Homeowners: A new class of fools (CNBC)
Added on : Thursday July 10th 2014 08:00:06 AM
g: -1 Posted By: SangioveseW
Views: 247 Replies: 4 Here's an interesting article that I just came across:http://www.cnbc.com/id/101826458

As you can see, the author does not exactly think that the future of housing is particularly attractive. Quote:"According to the U.S. Department of Housing and Urban Development, privately-owned housing starts in May dropped an unnerving 6.5 percent from a downwardly revised April reading. And single-family housing didn't fare much better either, as starts fell by 5.9 percent against a lowered April print. This signals what is likely to be a brutal third and fourth quarter for the sector.As economist Karl "Chip" Case, the co-creator of the highly regarded S&P/Case-Shiller home price index, recently pointed out: "Every time [housing starts] have gotten below a million in the past, it's come right back. Every time except the Great Recession."
Discussion Deals
The cost of personal loans VS UK - Question
Added on : Thursday July 10th 2014 02:00:03 AM
g: 0 Posted By: newnorley
Views: 58 Replies: 2 I've always been amazed how much more expensive unsecured personal loans are in the USA than the UK. Today HSBC will lend between GBP 7,000 - 15,000 at 3.9% APR http://www.hsbc.co.uk/1/2/loans/personal-loan/personal-loans&WT.... as in the states the lowest I've seen in the last 4 years was around 7% APR with discover. Why are loans much more expensive here? regulations, lack of competition?
Question Deals
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: LongDongSilver
Views: 211 Replies: 0 There are quite a few of these refurb laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas, plus the MATTE screen that is more common on the business class laptops. Lenovo factory refurbs are as good as new.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: LongDongSilver
Views: 58 Replies: 0 There are quite a few of these laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: remick
Views: 85 Replies: 0 Brick ABC: An Alphabet Book Illustrated with LEGO Bricks
http://www.amazon.com/dp/B00CPVO9RM

Brick ABC is an alphabet book illustrated with LEGO bricks. The purpose of this book is to motivate little LEGO fans to learn their ABCs by matching the words with the LEGO objects. The ABC letters and a scene for each letter are built with LEGO bricks in a simple and fun way. Words and short descriptions are given for each scene. Parents can also read to their children and ask them to point at the pictures to find the objects.


5 Little Monkeys Jumpin' on the Bed: A Sing 'N Count Book
http://www.amazon.com/Little-Monkeys-Jumpin-Bed-Count-ebook/dp/B...

5 Little Monkeys Jumpin on the Bed, the classic childrens story and song features Oboe the monkey and DJ the dinosaur. Oboes mama discovers that Oboe and his brothers and sisters are jumpin on their bed. One-by-one they each fall off and bump their head. When Mama calls the Doctor (Dr. DJ), the doctor says, No more monkeys jumpin on the bed. But when Dr. DJ gets home to his own family, guess what his children are doing? This classic childrens song/story will bring joy, laughter, and smiles to tots and parents alike. Children will learn how to count the monkeys on their fingers and gain an entertaining introduction to subtraction every time a monkey falls off the bed.



The Wheels on the Bus: A Sing 'N Move Book
http://www.amazon.com/dp/B00LBMO2IM/

Five Baby Genius characters join together in this book to show children different ways to express happiness. They demonstrate three ways to clap hands; three ways to stomp feet; three ways to shout hooray; and three ways to do all three. What makes this book so much fun is that parent and child will be singing, clapping, stomping, and hooraying along with their favorite Baby Genius characters.
So, if theyre not happy when they start theyll definitely be happy by the time they finish. And, theyll have learned nine ways to show how happy they are.



Old MacDonald had a Farm: A Sing 'N Learn Book
http://www.amazon.com/Old-MacDonald-had-Farm-Genius-ebook/dp/B00...

A fun way for children to learn about farm animals and the sounds they make! Old MacDonald (played by Vinko the Bear) is having a typical day on the farm: he feeds the chickens and collects their eggs as the hens cluck-cluck; he milks a cow as the other cows graze in the pasture and moo-moo; he shears the wool off a sheep as the other sheep envy the newly shorn sheeps haircut and baa-baa. The only thing thats different about this typical day on Old MacDonalds farm is that young readers are clucking, mooing, baaing, and oinking as they sing the familiar song and learn about life on the farm and the sounds that farm animals make.


Books & Magazines Deals
Give Back Box
Added on : Wednesday July 09th 2014 11:00:09 AM
g: 0 Posted By: KCQT
Views: 192 Replies: 1 Not sure if this had been posted or not:

Stick this label onany box of donated items to Goodwill and you won't pay a dime in shipping!
http://givebackbox.com/How does Give Back Box work: Using Give Back Box is simple, all your need to do is take the stuff that you no longer want or need, place them in the online retailers shipping box which you have just received, seal the box, attach the pre-paid shipping label provided to the box and ship as usual. If a box arrives without a label inside, you can go to www.GiveBackBox.comto print a free shipping label.Is there a weight limit? There is no weight limit to your donation so please do stuff the box with as much items as you can and are proud to donate. We ask that you do not put glass or dead weight in the box.What does it cost me to ship my donation? It is completely FREE. You do not pay anything to ship your donation.What can I send? Any household items that you are proud to donate, e.g: Clothes, shoes, Jewelry, Electronics etc. Anything that will fit into your box.Where is my donation going? Currently all the donation is going directly to Goodwill, the non-profit charity.How do I ship this? You would ship as usual. If the return label is marked UPS then just drop off at the nearest UPS drop-off location or at a UPS store. You can also click hereto find the nearest UPS drop-off location for you.Can I get a receipt for tax deduction? Yes you can get a tax deduction for your donation. Click herefor a tax deduction for your tax deduction receipt form.If I am a charity how do I get involved? If you are a non-profit charity and would like partner with us to receive item donations please email us at a info@givebackbox.com.If I am an online retailer how do I get involved? We welcome online retailers to help change the world. To learn more please email us at info@givebackbox.com.

Memberships & Services Deals
g: 0 Posted By: CanisMajor
Views: 97 Replies: 0 The threads mentioning this have been archived as far as I can tell, I also posted this in the deal discussion forum Class Action thread. Just got this email today:

A federal court appointed us Settlement Administrator of what is known as the ING Rate Renewal Settlement Program. We previously mailed you a letter notifying you that you will be sent a check from this class action settlement. The minimum payment will be $25 per loan, and the average paymentis expected to beapproximately $175 per loan. You should read that letter in its entirety. This email simply serves as a courtesy reminder of your legal rights and options. Your legal rights will be affected by this Settlement, whether or not you take any action in response to it.

If you either (1) got an Orange Mortgage or Easy Orange Mortgage from ING during the period from October 1, 2005 through May 31, 2009, or (2) had an Orange Mortgage from ING before October 1, 2005 and did a Rate Renewal of your Orange Mortgage some time from October 1, 2005, through May 31, 2009, you can:

1. Do Nothing The borrowers on your ING loan will get a check for at least $25. You give up all claims against ING relating to Rate Renewal.
2. Exclude Yourself You will get no payment. This is the only option that allows you to be part of any other lawsuit against ING that involves the legal claims in this case.
3. Object or Go to a Hearing Write to the Court about why you dont like the Settlement or ask to speak in Court about the fairness of the Settlement.

To find out how much you will be paid if you do not exclude yourself from the Settlement, visit: https://www.ingraterenewalsettlement.com/ . You can log on using the 9-digit Notice # (located at the top of this email) and the last four digits of your social security number to find out the estimated amount of your expected payment, review your detailed notice and obtain other information about this lawsuit, the Settlement, and your rights.=12ptYou can also see the address to which your Settlement check will be sent.

Important Note: prior to 7/8/14, the website was not displaying the proper address for all users. The issue has now been corrected, and we encourage you to verify the address that now appears on the website. You can also call 1-855-770-6954 or write to

ING Rate Renewal Settlement Administrator
PO Box 85006
Richmond, Virginia 23286-9303

Sincerely,
Settlement Administrator
ING Rate Renewal Settlement Program


Discussion Deals
Physicians Formula BOGO sale @ Target B&M, thru 7-19th
Added on : Tuesday July 08th 2014 11:00:03 PM
g: 0 Posted By: iowahawkeye
Views: 156 Replies: 0 promo

Got this in an email from Physician's Formula.
Put Brick and Mortar in the title, since the "shop" link in the offer doesn'tpromise BOGO, so it may not work online.

~~BOGO IS BACK!
You loved our last BOGO so much, we're bringing it back!
Shop all your favorite Physicians Formula products during this Buy One, Get One FREE promotion at Target July 6 - July 19.
No coupon necessary.



Health & Beauty Deals

Target Coupons
How much do you spend on groceries each month?
Added on : Tuesday July 08th 2014 06:00:06 PM
g: 2 Posted By: cyberfire
Views: 225 Replies: 10 I've been reassessing my budget recently, and noticed that for a family of 3 (2 adults, 1 toddler), we're spending about $1,000 / mo on groceries. I'm curious what other FWF members spend on groceries each month, because I feel like I might be on the high end of the spectrum. We don't but a ton of snacks, but I do enjoy eating quite a bit of meat - I love to BBQ, and that can add up, even when it's on sale. We don't bother with "organic" labeled food, as the regular stuff is cheaper.

Most sites and blogs I've read basically recommend either coupons or essentially having your own mini-farm. Couponing isn't as great as it used to be - we did used to coupon until the time vs money just didn't make sense, as over the past couple years the savings we've seen have just gotten weaker with couponing. And having crops / mini-farm setup in an urban environment is often not practical or possible.

So, how much do you spend?
Family size?
Discussion Deals
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

I've looked at a couple of calculators, and they seem to confirm what IthinkI'm seeing, but I'd like a second opinion.

When I left a long-term job last year, I was surprised to find I had earned a small pension. For purposes of this discussion, lets call it $325/mo, eligible in 2035. It has a lump sum option today in the 13-14k range, which seems to jive what what calculators tell me. It has no survivor benefits, so it's good for me alone, from 65 until death. I don't have any unusual medical conditions.

I'm in a position now where I need a new (to me) car, and a used crown vic doesn't quite meet with my needs. I drove my last 20k 2007 vehicle into the ground with almost 200,000 miles on it, and I'm weighing my options.

I try to look at things like this: If I had $13k cash now, would I use it toward/for/as-part-of a new (to me) car, or would I buy a 13k annuity with a 325/mo payout at 65? I know that it's worth much more should I survive to 70, but would I buy said annuity today versus dealing with more pressing issues.

Some minor background, as it might help determine the real value of the pension to me and my family. Because of numerous troubles in the last, well, decade, my wife and I have little cash or retirement savings, but we're both employed in good jobs, and we've got three properties. [A rented condo owned lock stock and barrel, a rented home about half way through the mortgage breaking even, and a primary residence in year 10.] After losing my long-term job, I've been contracting, so it hasn't always been easy to keep cash between gigs.

The wife and I plan to keep using bonuses and excess salary (is there such a thing) to keep paying down the rental house, and then attacking our real mortgage. I know that isn't strictly the best plan, but I enjoy the feel of ownership. Owning a house is more valuable to me than playing a game with mortgage interest or keeping it liquid to invest. This is the primary reason I'm conflicted about a small pension. Iownthat, so to speak.

I don't want to turn this too much into a car discussion. I'd just like to know the pros and cons of what to do with 14k today versus having a $325 pension.
Investing Deals
g: 0 Posted By: toooomuchcoffee
Views: 208 Replies: 0 One day only, definitely worth checking out.
Clothing Deals
Shopping for mortgage need help !
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: itsmeprinceus
Views: 45 Replies: 0 Hi guys,
I am in the market shopping for mortgage. I am building a home with Taylor Morrison and they are pushing me towards getting a loan with them. I started doing my own research and found out that rates outside are much lower. This particular lender (https://pfloans.provident.com/?)is offering really low rates compared to any other banks outside just want to get some insight into what kind of things I should be looking for.

Any help appreciated !
Deal Deals
Advice on how to make 60k+/year
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: AGmagic
Views: 198 Replies: 9 I've been a long time lurker, and signed up a while back. I know 60k/yr is not much, but what can I do to get there? I am currently 26 and still live at home and find it somewhat difficult to make ends meet. I've taken up a frugal lifestyle and still not able to make ends meet. So what options do I have? I know I'll get flamed a little, but doesn't matter I'm hungry to make some $ so I can start moving forward in life.

I currently work a dead end technician job, getting paid low entry level pay. Most my money goes to.. nothing really. about 20% of my check goes to parents, the rest are just food/gas/insurance. Currently had unexpected car maintenance come up so that may be the reason why I'm struggling.

Any advice. I've been in school in and out, its discouraging when I see people with no degrees making 100k. I took no loans out, but recently the last two semesters took loans out. School is expensive these days. At least for me anyways.

TIA
Personal Finance Deals
Bought second house, previous owner wants it back.
Added on : Tuesday July 08th 2014 02:00:20 AM
g: 0 Posted By: CptSavAHo
Views: 31 Replies: 1 We bought a second house as an investment rental. It's in a mediocre neighborhood and modest size. It needs a lot of updating, was an old man who died and didn't do much but hoard for the last 20 or so years. The garage is full of stuff some of it looks potentially valuable like these bikes from 1930s or so all in decent shape. When we closed we offered the son of the owner 48 hours to take whatever he wanted off the property. He didn't take anything as far as we know. Now some letter has surfaced in the family talking about how much some of what his dad collected is worth and his son is offering, almost demanding, to buy the house back. There are 3 rooms packed with stuff mostly in boxes and a garage crowded with stuff a lot under tarps. The funny thing is the son gave us a concession at sale because of the estimated cost of removing all the junk. So...

What's my best option to have someone estimate the value of all this? There seems to be a big variety of items some paintings some jewelry a lot of clothes records some books tons of magazines bicycles rugs and some furniture. What's my tax liability if it ends up with some kind of value?

What's the risk from the son? I offered to turn over any personal effects like photos but maybe thats a bad idea? I could see him saying we promised to give him whatever he wanted etc etc.
Tax Deals
g: 0 Posted By: cvrev
Views: 128 Replies: 0 Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support

$24.99 with Free Shipping - Here is the CODE:CMCLT64S(Has to be bought though "Avantree_Direct")

specially designed for the motorcycle rider
reduces wind and road noise for CLEAR sound in moblie communication or intercom when riding.
MULTIPOINT - connect 2 Bluetooth device at the same time, or connect one Bluetooth device and one intercom.
GPS support - hear GPS direction information from Moto-friendly GPS
Easy installation and dismantlement

Product DescriptionAvantree HM100-A, upgraded from HM100, one multipoint Bluetooth helmet headset with wireless Interphone, Music and GPS support and water proof, specially designed for motorcycle rider, reduce wind and road noise to get clear sound in mobile communication or intercom when riding. Multipoint to connect 2 Bluetooth mobiles or devices at the same time, or connect one Bluetooth device and one interphone. Function: Switch on/off Pairing Answer, End, Reject, Cancel a call Answer, End, Reject, Cancel an intercom Send out an intercom Support Bluetooth music and GPS Volume up/down adjustment Last number redialing Transfer a call between mobile and headset Switch between 2 mobile calls Switch between one mobile call and one intercom Specification: Bluetooth V2.1+EDR Chipset: CSR chip Support profiles: Headset profile, hands free profile and A2DP Operation Range: Class 2, 10 meters Work time: up to 7 hrs. Standby time: up to 80 hrs. Charging time: About 2 hours Charging voltage: DC 5V Main body: 81mm X 42mm X 18mm Weight: 52gWhat is in the box: Helmet headset Main Boom mike and speaker Mini USB charging cable User manual Warranty card

11 of 11 people found the following review helpful5.0 out of 5 starsBest Buy,May 7, 2012ByErnest Respi-See all my reviewsVerified Purchase(What's this?)This product works as good as the expensive ones. I am 100% satified on the product performance. My Harley is loud and the conversation is clear on both ends.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment (1)7 of 7 people found the following review helpful5.0 out of 5 starsWorks better than reviews,August 10, 2013Byitworks-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)I've been using this with a full face helmet. It rocks both voice calls and music from my phone. Not sure what others dislike about this product but for the price it is amazing and works.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
3 of 3 people found the following review helpful5.0 out of 5 starsGreat,December 19, 2012Byjr29657-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)This works great for the price .its only has one speaker which I like it because its not to Distracting when listing to music ,phone works good at 55 miles per hours I haven't tryed it at higher speeds.some of the higher end unit haven't got good review above 55 anyway For me it took a little time to get used to the buttons but that the only down side for me. Like alway shipping was fast and great doing Business with Amazon which I do alot of.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
1 of 1 people found the following review helpful5.0 out of 5 starslove it,May 23, 2014Bypleasebuybeer-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)Works great. I replaced a Parrot unit with this. worked with a Windows phone and my Iphone. i use it for call and listening to music but calls can be tough because of the ambient noise. I am still happy with it a year later.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
1 of 1 people found the following review helpful5.0 out of 5 starsJust as advertised.,May 13, 2014ByRichard Matthews-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)It preforms great. Easy to use and sound quality is good. Its easy to install and operate. I can listen to music , answer my phone and talk helmet to helmet to my wife. I've already recommend it to several friends I ride with.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
5.0 out of 5 starsBluetooth helmet device,June 22, 2014ByYolanda G.-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)The device is what I expected. It works fine with the Gps of the motorcycle. I had a little hard time trying to find the right volume level but it was not adevice fault. I forgot to set the Gps volume to the max and then was much easier to find the right volume level of the speaker inside the helmet. Definitly I recommended.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
5.0 out of 5 starsNice device,September 1, 2013ByStickley-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)Works very well. Mounted the Velcro backed speaker on the top of the chin strap and can hear it well with my iPhone. I listen to Bluetooth radio to get local traffic reports on my commute to work.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment


​AMAZON LINK
Cell Phones Deals

Amazon Coupons
100 Lindt Lindor Truffles for $25
Added on : Monday July 07th 2014 02:00:05 PM
g: 1 Posted By: jc6168
Views: 249 Replies: 1 Pretty good deal considering they're usually twice that much or so.

http://www.lindtusa.com/shop/chocolates/lindor-truffles/create-y...
Grocery Deals
Medical loan advice
Added on : Monday July 07th 2014 11:00:09 AM
g: 0 Posted By: The111
Views: 147 Replies: 2 Here is my situation:
May need to pay ~$60k out of pocket, up front, for a medical expense that insurance won't cover (long story)
Spouse and I both have excellent credit, minimal debt, and stable decent-paying jobs
I could (barely) afford to pay the bill with cash on hand, but would rather borrow it than expend my cash reserves

Question:
Do medical loans exist? I know nothing about this. Where should I look?
I would like to think that I could find one with a really low rate, considering both my credit and the fact that I have the entire amount on hand as collateral. But, I have no idea if that is a reality.

Any advice is much appreciated. Thanks.
Personal Finance Deals
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

I think being robbed is pretty traumatic, and trying to remember everything you had and finding receipts after the fact would only make things worse. What I'd like to do is put together a rock solid inventory with pictures, receipts, etc, store it up on my dropbox, and if I ever get robbed, I go up in the cloud, even off my cell phone, email the PDF of my inventory to the insurance man, and move on with my life.

Maybe, I might even wind up a little better off than before because if I could have back what I paid for all my stuff, I'd probably only re-buy half of it since I buy a lot of clothes and things I don't really use.

Anyone have experience on how insurance claims work for personal possessions? There's a lot of threads on car insurance and home owner insurance with respect to tree branches, but I rarely hear anyone discussing submitting claims for personal possession against homeowner or renter's insurance. I'm under the impression that I'll get either the replacement cost or whatever I paid, whichever is less, which leads me to believe I'll get screwed since, like most FWF I go out of my way to shop for sales and deals. So if I only get back what I paid, it's far below market value for many of my things.

Am I under an obligation to hand over receipts for everything? Maybe if I got something well below market value, and I misplace the receipt, or intentionally don't store it, then I'll get replacement value which is higher?

Does anyone else inventory things like papertowels and toiletpaper and shampoo? On the surface it seems silly, but I ran some quick math in my head and I easily have a few hundred dollars worth of cologne, deodorant, TP, papertowels, toothpaste, toothbrushes, facial cleanser, moisturizer, etc. Also, if I have the inventory up in dropbox, I can refer to it when I'm shopping so if I see a good deal on something like bulk papertowels, I can see how many rolls I'm down to, assuming I keep the inventory up to date every month or so.

I've heard people just videotaping everything in their home but that doesn't quite seem granular enough for me. I've already started a rough inventory and realized I actually have around $12k worth of things in my apartment, so my $10k policy won't cover it and I might need to get higher coverage. So another benefit of doing this in something like a spreadsheet is that you actually see what the value of your items are so you can adjust your insurance accordingly.

Anyone have experiences to share on claims or best practices on inventory?


Discussion Deals
Innokin Itaste CLK Complete e cigarette Kit only $24.99
Added on : Sunday July 06th 2014 01:00:02 PM
g: -2 Posted By: shops2much
Views: 156 Replies: 0 www.vbvape.com/shop/the-daily-deal Has an Innokin Itaste CLK which is the newest ecig by innokin. This is a nice product from reputable manufacturer. Normal retail price is $50ish, fleabay price is around the same, but who knows if it'sgenuine or not. This is a complete kit, just add the juice.

Variable voltage means you can get a lot of vapor, passthrough battery means you can charge and vape at the same time. Comes with atomizer, lanyard, beauty ring and case.
Health Deals
College Student. Retirement Plan
Added on : Sunday July 06th 2014 08:00:04 AM
g: 0 Posted By: Joshhh
Views: 68 Replies: 0 I'm 20, single, 3rd year college student with a part time job $20K income this year. No debt (all $20K can be used for saving because of the full scholarship). Looking to start my retirement plan and lessen my tax. I am thinking about having a Roth IRA saving account, is it the right choice? I don't have much knowledge about investing.
Investing Deals
g: 0 Posted By: vicki23
Views: 43 Replies: 0 The Ringer Cast Iron Cleaner XL 8x6 Inch Stainless Steel Chainmail $14.99 FS PrimeThe Ringer Cast Iron Cleaner XL 8x6 Inch Stainless Steel Chainmail $14.99 FS Prime

This is the lowest price is has ever been on Amazon.com (without promo code)


Link :http://www.amazon.com/gp/product/B00FKBR1ZG/


XL 8x6 inches of Grit Scrubbing Magic for all your cast iron cooking needs! Also, AMAZING for glassware, plates, casserole dishes.

Dishwasher Safe Premium Grade Stainless Steel for easy cleaning of any cast iron cookware item like a baking sheet, tea pot, cookie sheet, cauldron, tortilla press, hibachi, cornbread, pie pan and more.

Lightweight, and convenient for home, camping or travel. Never have grit lodge into your cast iron skillet set ever again! Also works well with cast iron conditioner for restoration.

100% Satisfaction Guaranteed! We PROMISE you'll love it! Much better than a cast iron brush or cast iron scrub brush, or pan scraper.
study abroad flights?
Added on : Saturday July 05th 2014 03:00:07 PM
g: 0 Posted By: flyboynm
Views: 57 Replies: 0 What is the best method to get flights to places like South Africa or Australia for students that are studying abroad? I have looked around and been told to use student rates but have not found anything much different than what I can find at the normal sites.

Trips would be from Jan 15 - May 23rd but flexible. Can fly from ABQ, DEN, DFW, PHX or LAX if the incentive is there.

Thank you in advance.
Air Travel Deals
Rite Aid 7/6 - 7/12 (MM Bayer; free Clear Eyes, cheap Pantene)
Added on : Saturday July 05th 2014 06:00:06 AM
g: 0 Posted By: MrVietnam
Views: 825 Replies: 1 Free Clear Eyes with gold
psa $4.99 = $3.99 gold - $1/1 4/27ss - $3+up (limit 2) = $.01 MM


Looks like more cheap Pantene:

Buy 6 Pantene Shampoo and Conditioner 12.6 oz., $3.34 each
2 $5/3 Pantene Shampoo, Conditioner, or Stylers products 7/6 PG
Pay $10, Get $7 +Up Reward (limit 1)


Er1ca's site has ads thru 7/26 & I don't see much...

Rite Aid Deals
Repair and refill Freon (for temp fix) or replace heat pump?
Added on : Saturday July 05th 2014 05:00:05 AM
g: 0 Posted By: sagarrefi
Views: 66 Replies: 2 I have a 26 year old 2.5 ton heat pump and air handler and I understand they need to go. The outdoor heat pump unit leaked Freon three years ago as a valve was bent. It was cheap to repair and add R22 at that time but I can't find the same independent technician now. I would rather do this temporary fix as I am traveling out of town at present for 6 more months.

Now even the cheap techs are saying refilling freon will cost up to $800 (if the leak repair is minor) as R22 is much more expensive. I am torn whether I should go for temporary fix or replace heat pump and air handler. In my area heat pump costs are very high and I am afraid to even ask. One company gave me estimates of $3000 for new compressor and $6500 for heat pump (no band names or details on SEER rating, tonnage etc)

How much should i expect to pay for a new American Standard, Trane or Carrier system installed in DC area? I plan to sell the house in a year and brand name and warranty are important.

Do I have to be present in person to supervise an installation or a casual friend can supervise it? I have read horror stories of problems in installation on these forums. Thanks!

PS: I don't have warranty. A neighbor got a new system all on warranty company cost.
Question Deals
Rite Aid 7/6 - 7/12 (free Clear Eyes, cheap Pantene)
Added on : Saturday July 05th 2014 03:00:10 AM
g: 0 Posted By: MrVietnam
Views: 809 Replies: 0 Free Clear Eyes with gold
psa $4.99 = $3.99 gold - $1/1 4/27ss - $3+up (limit 2) = $.01 MM


Looks like more cheap Pantene:

Buy 6 Pantene Shampoo and Conditioner 12.6 oz., $3.34 each
2 $5/3 Pantene Shampoo, Conditioner, or Stylers products 7/6 PG
Pay $10, Get $7 +Up Reward (limit 1)


Er1ca's site has ads thru 7/26 & I don't see much...

Rite Aid Deals
g: 0 Posted By: Xenocrates
Views: 55 Replies: 0 JBL Loft 50 6.5" Floorstanding Speakers Pair(Black) - $149.00 FSP @ Frys.com

Note: Even though it is technically free store pickup it appears your local store has to actually have one for you to pickup.

2 - 6.5" PolyPlas side-mounted woofer
3 - 4" PolyPlas midrange
1" Soft-dome tweeter w/ EOS waveguide
FreeFlow Portincreases output and reduces distortion
Straight-Line Signal Path crossover network
Dimensions (H x W x D): 42.5" x 7.13" x 11.87"
5 Year Warranty


Frys claims was $449.00 which I didn't believe until I found Newegg still selling them for this much.
Frys Deals
g: 0 Posted By: ctgolfer
Views: 245 Replies: 1 Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
Electronics Deals

Amazon Coupons
g: -1 Posted By: ctgolfer
Views: 112 Replies: 0 Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
Electronics Deals
g: 0 Posted By: DizzyT71
Views: 170 Replies: 0 Lepow via Amazon has Lepow Moonstone Series 3000mAh External Battery Pack (Apple Green)for $18.99 - $9 w/ code "2JDA3K2Y" = $9.99.

Compare at Newegg for $19.99.Newegg

Lightweight, Portable External Battery Pack - Charge your Samsung S5, S4, S3, Note 2, Note 3, iPhone 5, 5S, 5C, 4S, iPod (Apple Adapters - 30 pin and lightning, not included), and much more, on the go with 3000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than similar power banks.
Top-Notch Compatibility - Works with all major cell phone models -- iPhone 5, 4S, 4, iPods; Samsung Galaxy S5, S4, S3; HTC One; Google Nexus.
Creative, Eco friendly packaging. Contents include: Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included.

4.7/5 Stars based on 284 customer reviews on product page.
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 241 Replies: 0 coupon code: OANOI78H

Are you fed up with the smelly, stained oven mitts that you keep using in your kitchen or on the BBQ? Are you tired of your oven mitts soaking up water or burning your hands?
These are the best solution! Easily manage messy BBQ sessions, grabbing and preparing hot food, retrieving hot pots and pans in the kitchen, and countless more scenarios, all the while keeping your hands safe and dry.

These are FDA approved and adheres to the highest quality standards for silicone products.
Why Choose These Over The Oven Mitt?

- Heat-Resistant For Temperatures Up To 425 degrees
- Comes In a Pair and Each Have 5 Fingers, So You Can Protect BOTH Hands While

Maintaining No-Slip Dexterity Both On The BBQ Grill and In The Kitchen

- One Size Fits All Design
- No-Slip Design To Allow Safe Movement Of Hot Items
- Dishwasher Safe
- No Staining or Smell Even After Long-Term Use
- PERFECT For Opening Tough Jars, Rinsing Veggies, Cleaning Dishes and much more!

http://www.amazon.com/dp/B00L2JQ8AE
Home & Garden Deals

Amazon Coupons
Warm -- Sling Media Slingbox 350 -- $99.99 @ Best Buy...
Added on : Thursday July 03rd 2014 04:00:02 AM
g: 1 Posted By: HotSalami
Views: 154 Replies: 0 I'm fully anticipating the 'Lava is better', 'Sling rips people off on their mobile apps', 'the (discontinued) refurb HD Pro is much better', etc. etc... BUT, my 9+ year investment in various Slingboxes will continue with this deal. At $99.99, it's at least $25 less than AMZN.

Dont forget FatCash...

http://www.bestbuy.com/site/sling-media-slingbox-350/6578328.p
Electronics Deals
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/dp/B009ALAPR8
4.4 out of 5 stars (36 customer reviews)

Make your own Seasoning Mixes from the spices you already own.
Also discover many self reliance tips.
As we know America was discovered while Christopher Columbus was seeking a faster trade route to the East Indies. He wanted to bring back spices quickly and cheaply. In his time spices were a very prized item. Today, compared to Columbus time spices are not near so valuable unless you dont have them. Then how much would you pay if you did not have access to Spaghetti or Taco season packet?

With the economic downturn of the US one item that has really increased in price are spices. I have watched spice packets double in price. People are willing to pay for a little something extra when it comes to good tasting food and your grocer knows this. For this reason spices will continue to climb as economic times waver.

Bulk Seasonings are much cheaper. If kept in a good mason jar or other suitable condition away from heat and light they will last for years. So what are you waiting for? Start saving today! Whip up your favorite seasoning mix from the spices Im sure you already own.

I guarantee the recipes in this book will open a new world of creation to you. It will pay you back again and again in lost time money and gas. No more running to the store because you realize in the middle of cooking, you dont have that season packet you always use. From now on you can pass up the season packets with a smile because you know how to make your own.
Totally Free Deals
Intex Queen Airbed with Pump - Supreme Air Flow $89.99 w/FS @ Kmart
Added on : Thursday July 03rd 2014 12:00:19 AM
g: 0 Posted By: ctgolfer
Views: 136 Replies: 0 Enjoy Portable Comfort When You Use the Intex Queen Airbed w Pump
When you choose the Intex queen airbed w pump, you get an incredibly convenient sleeping option that was designed to make your life easier. It all starts with the carrying case, allowing you to transport the mattress without the need for extra bags. The packed dimensions of 21x10x17 mean that it won't take up that much space, so you don't have to leave any other luggage at home when traveling. The electric pump is built right into the mattress, so you never have to worry about misplacing it or needing to find it when it's time for bed. Since it's electric, you also get to stay away from hand pumps or foot pumps, which can be rather taxing to use and are far slower than electric models.
The Intex queen airbed w pump also gives you the comfort that you desire, starting with a smooth vinyl surface that will be perfect for sheets or blankets. The mattress's large dimensions set it apart, giving you the luxurious space that you want, even with two.
The Intex queen airbed w pump has dimensions of 60x80x20, giving you plenty of space to sprawl out and relax
The built-in pump makes it easy to inflate the bed in any location, without external equipment
The vinyl construction is tough and durable, even with extended use
The white color will match any room if you plan to use the mattress for a considerable amount of time
The carrying bag allows you to transport the deflated mattress along with other luggage


www.kmart.com/intex-queen-airbed-with-pump-supreme-air-flow/p-08...
Camping Deals

Kmart.com Coupons
Claritin 45 gel-caps $5.00 clearance WM B&M
Added on : Wednesday July 02nd 2014 03:00:02 PM
g: 0 Posted By: gently
Views: 104 Replies: 0 The shelf said normal price was $25.xx clearance price was $5.00.
I usually buy store brand, but this was much cheaper.

Purchased 7/2/14 at WalMart King of Prussia PA - they had about 7 boxes on the shelf.
All the other versions of Claritin were regular price -- 3x-4x as much per tablet.
Expiration on my box - 06/15

Good luck finding it at your store.
UPC 041100809735

What to do after 401k and Roth / Also TSP Roth??
Added on : Wednesday July 02nd 2014 09:00:08 AM
g: 0 Posted By: nocomprendo
Views: 90 Replies: 2 Sorry if this is repetitive but I tried searching the forums for answers and I'm still a little confused.

I am 27 years old and I am very new to financing. I read a couple books as well as the internet and started two years ago and opened a Vanguard account. This is my second year putting money into my 401k (no match from employer) and into a Roth IRA. Currently I am making around $100,000 and have just paid off all credit card debt, student loans, car payments, and currently rent an apartment ($1,500/month). I also am saving up for other expenses such as wedding/house, and have a savings account with roughly $20,000 (definitely a ways to go for a house down payment in my area).

1. I was wondering what recommendations you guys have for putting my money once I have maxed out the 401K ($17,500) and Roth IRA ($5,500). I was thinking about individual stocks but I don't know much about that area.

My second question is for my girlfriend who is 26 years old. She is currently working for the government and I have urged her to do the same. She currently maxes out her TSP ($17,500, 3% match from employer) and puts money into a Roth IRA ($5,500). I was recently going through her paperwork and found out that they also have a Roth TSP.

2. Does that mean she can put up to $17,500 in her TSP, $17,500 in her Roth TSP, and $5,500 in a Roth IRA?

3. Also, if we do get married, I believe we would be put into a hire tax bracket? Does this mean I should recommend her put money into the Roth TSP to save on taxes later instead of the regular TSP.

Thank you everyone for any advice. This is all really complicating to a non finance guru.





Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 use promo code: FATSHNOOP1

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
iPads Deals

Shnoop.com Coupons
Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

As such, I've come up with a handful of neat ideas for business deductions and I'd like to hear from others with interesting ideas:

1) Do your dry cleaning at your customer site, if you travel to a dedicated customer over long periods of time. I used to take my dry cleaning home with me every weekend, and pay extra for my local dry cleaner to expedite overnight service on Friday so it'd be ready for my flight back to the customer on Sunday. Then I learned if I had my dry cleaning done at my customer, it was a business expense, tax deduction, and more importantly, my clothes would be wrinkle-free waiting for me when I flew back. Of course, you should still travel with one pair of business clothes for one day, just in case you can't pick them up first thing Monday morning or in case of a problem. Dry cleaning is NOT a business expense if it's done in your home city, but is when you do it out-of-state at your client site.

2) Switch to a prepaid phone that bills by the minute like a 10 cents per minute plan as your personal phone, and get an unlimited minutes plan for your "business phone". Your business phone will be fully tax deductible, and your personal phone, even though you're not really paying for it if you don't use minutes, is proof to the IRS during an audit that your business phone is strictly business and your personal phone is strictly personal. Much like cars as a business expense, it's better to have a second dedicated to personal use, even if it's a cheap POS beater, so you can deduct 100% of the business car or phone.

3) Do personal errands while traveling for business. Your gas mileage is deductible when driving for business. So why not do your grocery shopping and other errands on the same trip? Then the gas is deductible at 50+ cents per mile, which, if you're driving a fuel efficient vehicle, is double your actual expense. So assuming 50% tax bracket between state, federal, and SE tax, if you're only spending half of the allowable IRS rate on fuel, then the tax break on the trip makes it completely free.

I'm considering buying other things while on business trips such as deodorant and toothpaste. I haven't looked into the rules deeply enough, but I imagine if I buy toothpaste while traveling for work, it may be a business expense. Suppose the airliner lost my luggage and I had to buy more... certainly in that case re-buying hygiene products is a business necessity for me to complete that travel. I wonder what the IRS guidelines are to decide what exactly qualifies.

What tips and tricks for maximizing business deductions have you found?

Discussion Deals
Paying relative so they can contribute to ROTH
Added on : Tuesday July 01st 2014 06:00:10 AM
g: 0 Posted By: bluegreenturtle
Views: 21 Replies: 1 So, I haven't thought this through entirely, but I was wondering if it would be worth it, or somebody could poke holes other than the obvious ones.

1) I have a business, let's say I make $100,000 a year.
2) I pay my parents (who are retired and over 70 and have some, but not much earned income) the IRA max ($6500 each?) so $13,000 for services rendered.
3) I get to take the $13,000 off my sched C reducing all my taxes
4) They contribute all of the money to a ROTH, and slightly increase their SS benefits (I recently read an article that this is the most misunderstood thing about SS - if you keep earning after taking benefits, they keep adjusting your amount upward).
5) They gift the same amount back to me because I need it more than they do.

So obviously, they have to pay FICA taxes (and income taxes) on the paid amount. They have their own Schedule C's though so could probably reduce it some. They would be slightly increasing their SS benefits too.

Is it worth the onetime price of those taxes (let's say 20%) to get money into a ROTH for growth and income year over year? My dad's a pretty savvy investor and seems to have dividend streams in his various accounts averaging 8% + what I can only describe as astounding returns on his general portfolio the last 3 years. Although I would save that same amount in taxes, so over the entire family it's a wash, basically - they've said multiple times that the only reason they spend about 20 hours a week working on investments (research, etc) is to increase our inheritance. Their current IRA balances aren't that big so the RMD's are very low. Their taxable account is around $1M I think.

Is this a bad plan? I realize the overall dollar amounts aren't much so it may be work for little gain.


Personal Finance Deals
g: 0 Posted By: StartByServingOthers
Views: 1 Replies: 0 Some states have a no-fault tort that limits your rights to sue under certain circumstances. THe following pertains specifically to Kentucky, but some other states are similar:

In most instances the insurance company charges a higher rate if you "reject" the tort and retain your right to sue. (It also gives other people the right to sue you). However by accepting the tort you also are required to have some medical coverage on your policy. Really the overall price between these two options are pretty similar.

I assume the idea is that everyone benefits from not getting lawyers involved in small accidents. Anyways under the advice I've seen given here by SIS, I carry rather high under-insured and uninsured insurance. But despite how much I've researched this issue I'm not sure I entirely understand it.

Assuming I am in a moderate to bad accident:

Is there any benefit to having Rejected no-Fault? From what I understand No-Fault only limits my ability to sue for small amounts.

Is there any benefit to having the "medical coverage" on my policy?

I'll make another post showing my current coverages and information on the KY tort. I wasting my money rejecting the KY Tort? It looks like I would keep the ability to sue for serious accidents and also have medical coverage included for a lower price than I currently have?
Timberland Earthkeepers Newmarket 2.0 Cup 6" $21.99 F/S @6PM
Added on : Tuesday July 01st 2014 05:00:10 AM
g: 1 Posted By: lovelybones
Views: 217 Replies: 4 http://www.6pm.com/timberland-earthkeepers-newmarket-2-0-cup-6-b...

Enjoy the latest version of classic style with the Earthkeepers Newmarket 2.0 Cup 6" boot from Timberland.
Premium leather upper with contrast stitching detail for much added visual appeal.
The leather used in the construction of this shoe is from a tannery rated Silver for its water, energy and waste management practices.
Seven-eyelet lacing system with 100% recycled PET laces allow for a secure fit.
100% recycled PET lining made from recycled plastic bottles ensures an abrasion-free environment for all-day wear.
Cushioned footbed massages the foot with each and every step.
Green Rubber outsole is made with 42% recycled rubber for long-lasting durability.
Imported.
Measurements: Weight: 1 lb 7 ozProduct measurements were taken using size 11, width D - Medium. Please note that measurements may vary by size.
Shoes Deals

6PM Coupons
Pyle Stereo Bluetooth Headphones (PHBT5B) - $24.99 shipped @ Woot
Added on : Monday June 30th 2014 11:00:04 AM
g: 0 Posted By: hellokitty27
Views: 115 Replies: 0 Woot has the Pyle Stereo Bluetooth Headphones (PHBT5B) for $19.99 w/ $5.00 shipping.

Take Calls with Built-in Microphone
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

Headphones & Speakers Deals

woot! Coupons
Free Kindle Book- Getting Waisted (was $15.95)
Added on : Monday June 30th 2014 04:00:02 AM
g: 1 Posted By: remick
Views: 180 Replies: 0 http://www.amazon.com/dp/B00ITTU3E2

4.8 out of 5 stars (27 customer reviews)

Monica Parker bridges the divide between serial dieter's survival guide and memoir, taking readers on a hilariously funny yet bumpy ride from chubby baby to chunky adult.

In Getting Waisted, Monica begins every chapter with a diet she committed to and reveals how much weight, money, and self-esteem she lost, then she tells how much weight she gained when she fell off the wagon. After all, "no one tells a short person to get taller, or a tall person to get shorter, but fat people hear about their bodies all the time." From Living Large in a size zero world to jumping into the dating pool without causing a tidal wave of angst, Monica learns that when you stop buying what the diet-devils are selling and start liking yourself, life is far more rewarding. When Mr. Right appears out of thin air, will she run back to the catalogue of Mr. Wrongs out of fear? Readers will laugh and cry as she realizes that while she thought it was her body that was in the way, it was really what she kept in her head that needed adjusting.
Books Deals

Amazon Coupons
Mishap during Health Screening-Who is responsible?
Added on : Monday June 30th 2014 12:00:07 AM
g: 0 Posted By: OlDog69
Views: 69 Replies: 1 Working stiff on a weekend, went for a Free blood test clinic held in a shopping establishment. Passed out just after the blood test procedure, whilst sitting in the patients chair in front of the nurse. Later when I came back to my senses, found myself lying down on the concrete floor with my feet elevated on a chair. I was helped up on my feet and made to sit on a chair and then experienced unbearable, throbbing pain, which started in my back and ribs, all around my body under the armpits. After catching my breath for almost half hour, later, with great difficulty, I managed to limp out of the establishment and struggled home.
Presently I'm still at home after over two weeks on sick leave; have used up all my sick days, incurred co-pay expenses for Doc visits, X-rays, prescription drugs, back brace belt, over the counter pain relief gels/balms, etc. Am still in considerable pain, needing constant help to carry on simple daily living activities, having very limited mobility. Am now considering applying for Short Term Disability.
If you were in my shoes facing this horrible, life changing experience, caused by somebody man-handling my limp body from the chair to the floor, causing this severe muscle/nerve bruising to my Long Muscles; luckily no broken ribs! What would you do? What are my best options and who is responsible for all my pain and suffering? Any/all responses and advice will be greatly appreciated.
P.S. First time posting, so don't know much, but hoping I've done this right.
Question Deals
Mini AOR - bonus targeted.
Added on : Sunday June 29th 2014 03:00:07 PM
g: 0 Posted By: webdeveloper
Views: 101 Replies: 0 Already have a house and cars should last for 3-6 more years. Interested in signing up for the following cards in order to get as much of a signup bonus as possible.
Anything I should watch out for? Any other cards worth applying? Too many apps at once?

Currently active cards:
Amex Blue Cash Everyday
Amex Premiere Rewards Gold
Chase Freedom
Chase Southwest
Chase Slate
Discover More
Citi ThankYou Preferred
Citi Dividend World


Cards considered:
$500 - Barcley- miles and more
$400 - Barcley -Barclaycard Arrival Plus
$400 - Chase- Sapphire Preferred
$200 - BOA- Cash Rewards
$400 - Wells Fargo - Propel World
$200 - US Bank - FlexRewards
$400 - Capital One - Venture
$500 - Citi- Thank you Premiere

Total $3000

Edited: AddedBarclaycard Arrival Plus
Credit Deals
Balancing Luxury and Thrift
Added on : Sunday June 29th 2014 01:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 106 Replies: 3 I'm currently looking at a new position which would increase my salary significantly, to the point that if we take the rule of thumb that housing should be 25% of your gross income, I could pretty much afford to rent anything in the metro area, McMansion in the burbs, high rise condo downtown, etc. That being said, I don't see the wisdom in spending every penny I can on housing just because it fits my budget guidelines. While I could live in a hole in the wall for about $400/month, I've worked hard to avoid having to do just that. On the other hand, I don't see the wisdom in spending five times that every month on rent either. There are a lot of options which would fit my needs for $650-$1,200 per month, obviously with the $1,200 per month apartments offering many more amenities and luxuries which I would enjoy, but could also live without.

Obviously, I could balance this out by spending $400/month on rent, then $2,000 on H&B, but at that point, I'm still putting the luxury ahead of the thrift.

So, I'm curious how the FWF crowd balances luxury and thrift and this discussion goes far beyond renting an apartment. Let's say that you have enough in the bank to buy a crown vic or a BMW //M5 (and pay for the new engine you'll need a year later after posting an FWF thread about it) obviously one is nicer, but how do you put a price on that additional luxury?

tl;dr: How do you price something that is purely a luxury good over a commodity which will serve the same purpose? (Based on the assumption that you can afford both options)
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Financial advice needed
Added on : Saturday June 28th 2014 03:00:06 PM
g: -3 Posted By: travelbro
Views: 105 Replies: 0 Today at work I saw the sexiest 60 year old lady I have ever seen. She was Brazilian with natural blonde hair and a nice tan. From her neck down she has the body of a 25 year old on her prime. The face looks like a 45 year old at most.

I told her she looked much younger and she new I was hitting on her. She got real close...

Wow never felt that before. I usually like 21-28 max range girls.

I just opened my vanguard Roth IRA do I max out my 401k or just the amount that they equal?
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g: 0 Posted By: remick
Views: 104 Replies: 0 http://www.amazon.com/gp/product/B00HQ8WZES

4.7 out of 5 stars (22 customer reviews)

In this easy-to-follow book from AP Award-winning author Nicholas J. Meyer, who's been featured on the top natural health sites in the U.S. including Mercola.com and Natural News, you'll learn:

-What organic foods last the longest (and give you the most value)
-The one simple trick that can save you as much as 67% on organic greens
-Tips for storing, preserving, and maximizing the freshness of organic food
-A rarely-used buying trick that can save you as much as 89% (!) on organic groceries according to one recent university study
-And most importantly, how to save ten times more money than the cost of this book in less than a week!

Are you ready to enjoy the benefits of going organic on a budget?
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MicroCenter Unlocked Iphone 5S $150 discount
Added on : Friday June 27th 2014 05:00:05 PM
g: 0 Posted By: leot
Views: 159 Replies: 0 I just bought one at Houston, 5S 64G. 849-150=699 + tax . Not much left in Houston store. But I can see online there are still a lot at Atlanta store.
Good luck!
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Free Kindle Book - The Amazing Animal Superbook
Added on : Friday June 27th 2014 06:00:17 AM
g: 0 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/gp/product/B00BNZHSU6

Did you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.

Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.

This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
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g: 0 Posted By: blueribb
Views: 198 Replies: 0 http://www.walmart.com/ip/Seiki-Digital-SE50UY04-50-4K-UHD-2160p-120Hz-LED-HDTV/33490006

For those following the recently popular Seiki 39" ($350 AC)& 65" ($999)4Kthreads, WalMart is now offering the 50" version for an unbelievable $449. The 4K portion of the set doesn't offer much visible improvement over 1080p versions with today's available source material but for those using it as acomputer monitor, this is where it shines. If your video card or integrated graphics is capable of driving the 3840 x 2160 Ultra HD resolution, you can have the best of both worlds (at least until the 60Hz / display port barrier is broken). There is some great advice on setting up a 4K TV for monitor use in this thread: http://www.fullofdeals.com/forums/hot-deals/1368219/

There has been some concern over the warranty and reliability of the Seiki brand. I surely couldn't see spending $100-200 to ship a defective unit back for warranty repair. You might want to consider an extended warranty from either WalMart or SquareTrade.

WalMart's extended warranties: http://see.walmart.com/walmart/protection-plans/

3 yr $44
4 yr $55
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Walmart Coupons
g: 0 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 700 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.



VISUAL BASIC: Introduction To Programming
http://www.amazon.com/gp/product/B00JU9RPAA

I wrote this book to bring the basics of programming in Visual Basic to you without cluttering the issue with too much information too soon. It focuses on console applications to bypass the tendency to jump into programming feet first, and ending up with lots of bells and whistles that doesnt really accomplish anything. It is, however, detailed enough to start any reader on the exciting road to programming.
The examples are detailed enough to give a good introduction to Object Oriented Programming (OOP), without clouding the learning process with some of the more difficult principles of OOP.
The book is short enough to be read in one sitting, but not so short that it doesnt accomplish what it sets out to do.
All the resources used to do the programming shown in the book can be downloaded from the World Wide Web without any costs. I have included all the necessary links to the sources used.
I really hope you enjoy reading this book just as much as I enjoyed writing it.
In a few minutes you can be an your way, and who knows what the future holds for you in programming.
Optimize the performance of your computer system with the efficient operation of the Intel Core i7-3930K BX80619i73930K Unlocked Processor.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

In 1964, girls all across the United States filled venues, almost literally screamed their heads off, and fainted en masse. Almost from the second they played the first note, The Beatles would be hit with the resounding screams, which made it impossible for them to even hear themselves sing. When they made their American debut on The Ed Sullivan Show in early 1964, they were greeted by young fans who whipped themselves up into such a frenzy that some of them fainted. Beatlemania had struck North America, creating a musical and pop culture phenomenon unlike anything the world had ever seen. At the center of it all was John Lennon and Paul McCartney, the principal songwriting duo who were instrumental in creating the soundtrack of the 1960s, while producing some of the worlds most timeless classics. Together with George Harrison and Ringo Starr, Lennon and McCartney propelled The Beatles to unprecedented heights, sparking Beatlemania on two sides of the Atlantic and experimenting with their sound in ways that revolutionized rock and inspired bands across various musical genres.

In the space of just a few years, Bob Dylan, born Robert Allen Zimmerman, rose from the obscurity of a small Minnesota town to a position of royalty atop the folk music landscape of the 1960s, with a universal esteem and status on a par with Elvis Presley and The Beatles. In the 1960s, Blowin in the Wind and The Times They Are A Changing became anthems of the anti-war and civil rights movements, but long after the transition from the 50s to the late 60s and 70s was accomplished, the initially baffling young folk singer who appeared out of nowhere was awarded a special Pulitzer Prize for his profound impact on popular music, and American culture, marked by lyrical compositions of extraordinary poetic power. Over the span of his career, he has received Grammy Awards, Golden Globes, Academy Award Oscars, and he has been inducted into the Rock & Roll Hall of Fame, the Minnesota Music Hall of Fame, the Nashville Songwriters Hall of Fame, and the Songwriters Hall of Fame, not to mention the Pulitzer Prize and Presidential Medal of Freedom.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform. In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography.

Dubbed by many as the First Lady or Queen of Rock & Roll, Joplin both invented and installed the rock mama paradigm into the American rock consciousness, a patriarchal and fraternal industry that, much like the societal traits it protested, restricted women to a narrow and conservative criteria for entrance. With only a very few kindred spirits, such as Grace Slick of Jefferson Airplane, she pioneered a new range of expression for white women.

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
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g: 2 Posted By: mictester
Views: 340 Replies: 3 Bloomingdale's has the machine and the Aero frother for $99. This is a good deal because the frother costs almost that much (this is the older model).

http://www1.bloomingdales.com/shop/product/nespresso-essenza-esp...

It is possible to get free shipping if you sign-up for their list (which is free). Plus, there is a 10% discount coupon for signing-up. The links are at the bottom of their home page. It goes to a third party (their list management service), so I am not posting link here.
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Bloomingdales Coupons
List of Banks/CUs "Good" To Have For Various Reasons
Added on : Thursday June 26th 2014 05:00:10 AM
g: 0 Posted By: robronson
Views: 183 Replies: 1 In the past, opening a bunch of new bank accounts in a short period time was not a problem. In modern days, it can lead to adverse action as data mining/aggregation is more widespread, government anti-money laundering rules are stricter, and banks view this as risky behavior. Further, the account opening bonuses for many banks are becoming either non-existent, or much smaller. Thus, it may make sense to pre-plan opening a smaller number of bank accounts as small bonuses become available, not for the meager bonus money, but for access to the account. This could be for rate-chasing purposes or for access to best-in-class products one institution may offer over another.

For example, NFCU offers amazing 0% fee BT deals. They also, on occasion, offer a small bonus to sign up ($20 I think). It's a good idea to have an NFCU account (if you're eligible), but if you don't need one right now, it makes sense to wait for the next $20 account opening promo, and then just sit on that account until the next BT deal. That allows you to maximize the bonus while spacing out the account opening to look less suspicious.

Another example is Barclays. They seem to offer really high CD rates. I'm not currently in the market for a CD, but I may be next year, so I'm looking for any small bonus to open an account with them. I'm in no rush to do so, because I am at least 1 year out from needing to buy a new CD, so I have the luxury of waiting for the small bonus, and spacing out the account opening from other accounts.

The purpose of this thread is two fold:

1) To discuss whether this is a worthwhile strategy.

2) To make a list of banks and credit unions for us to keep an eye for bonuses that might not be worth the Chex inquiry/hard pull for the $20 bonus, but might be worth having the account for actual use, and free money is free money.

If the consensus is this a good idea, we can keep the quick summary updated with links to other FWF threads as small bonuses arise for any worthwhile banks/CUs.

I'll start:

Alliant Credit Union - offers a meager signup bonus on occasion. Has decent rates on HSAs and checking/savings account. Used to be one of the highest rates of any bank, has gone down over time, but is still very respectable and in the top quartile.

Navy Federal Credit Union - amazing credit card BT deals. Offer an obscenely high credit limit to people who probably don't deserve it, which could be you.


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Free Kindle Book - Getting Started: Visual Astronomy
Added on : Thursday June 26th 2014 01:00:11 AM
g: 0 Posted By: remick
Views: 33 Replies: 0 http://www.amazon.com/gp/product/B00KRFPS28

If you have ever wanted to view the wonderous objects of our solar system and beyond, here is the how-to manual to get you well on your way.

From purchasing your first telescope, through setting it up and finding objects, to viewing your first galaxy, this book contains everything you need. See how to read star maps and navigate the celestial sphere and much more with plenty of pictures, diagrams and charts to make it easy.

Written specifically for the novice and assuming the reader has no knowledge of astronomy makes sure that all topics are explained thoroughly from the ground up. Use this book to embark on a fantastic new hobby and learn about the universe at the same time!

Learn how to:
* Choose binoculars for astronomical use
* Pick a telescope
* Select appropriate eyepieces
* Calculate magnification
* Locate celestial objects
* Record your observations
* Set up, balance and polar align EQ mounts
* Collimate your reflector telescope
* Read star maps
* Navigate the night sky
* Measure the angle between celestial objects
* Estimate an objects magnitude or brightness

Contains tables through 2025 for:
* Lunar eclipses
* Solar eclipses
* Transits
* Conjunctions
* Meteor showers
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g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 use promo code: G6CC6FC7

shipping adds $5-6 or free with Prime

Lightweight, Portable External Battery Pack - Charge your mobile phones, iPod, and much more, on the go with 6000mAh capacity
Superior Energy Conversion - More than 90% conversion rate. Better efficiency than other similar power banks
Top-Notch Compatibility - Works with all major cell phone and tablet models -- iPhone 5, 5S, 5C, 4S, 4, iPad mini, iPods (Apple adapters - 30 pin and lightening not included); Samsung Galaxy S5, S4, S3, Note 2, Note 3; HTC One, Droid; Google Nexus
Creative, Eco friendly packaging. Contents include Lepow Moonstone External Battery, Micro USB Cable, Travel Pouch, Instruction Manual. Wall charger not included

www.amazon.com/dp/B00DWKK6PY/
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DC Men's Sale and Coupon Code: Up to 50% off and 30% off Coupon Code
Added on : Wednesday June 25th 2014 07:00:07 PM
g: 0 Posted By: Advertisement
Views: 146 Replies: 0 DC Men's Sale and Coupon Code: Up to 50% off and 30% off Coupon Code SALE30. Ends July 3.</a> <IMG border="0" width="1" height="1" src="http://ad.linksynergy.com/fs-bin/show?id=*7WaaTN6umc&bids=296488.131&type=3&subid=0

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Taking over mom's house and adding accessory unit?
Added on : Wednesday June 25th 2014 11:00:07 AM
g: 0 Posted By: nicki11012
Views: 49 Replies: 0 My mother lives in a beautiful large house that sits on 1 acre of land. She is 55 y/o (a hairstylist) and her hair salon is on the side of the house. There is a 2 car garage out in the back that is connected to the house by a porch. The garage has an attic on top - the whole structure is ~ 900 sq feet. My mom loves her house, but was thinking about moving to a condo because it's way too much space and maintenance for one person. She hasn't sold because her hair salon is on the side of the house - if she sells the house, the self-owned business is gone too.

My husband and I (30 yrs old) moved in about 2 years ago. We were only going to stay for a few months, but we've had ample space and have been doing well there. We started thinking... hmm, maybe we could take over this house (we both love it) and we could transform the garage into that condo my mom wanted. We would be in a nice house and she would be able to maintain her business. We could share a lot of expenses. I am an only child, so I could help my mom as she gets older and she'll be there to help babysit as we start having children... sounds great!

The house is probably worth $550k and my mom owes about $100k. Her mortgage is only $1200 per month right now. If we were to build the accessory unit it would cost about $100k to build. If we were to do this, we need to figure out who would pay for it - to refinance the house, we'd have to put our names on the deed (she doesn't make enough to refinance alone). My husband and I couldn't afford to buy it from her for the full price - if we were to buy our own house, our budget would be about $400k. Do we rent from her? What happens when the house needs a new roof, etc?

Also, because my mom owns her own business, she doesn't have the best retirement package. The most complicated aspect of all of this is that the equity in the home will probably be needed at some point in time for retirement. We would just buy the home outright if we could afford it, but we can't. If we take out the $ to do the accessory unit from the equity and then rent from her, she may need $ from the home later, which would affect the monthly cost of the home in the future.

We have this wonderful home that we all love and the mortgage is crazy low - I would love to have my mom around to help with dogs, kids, etc... We could share so many expenses and my mom could keep her business, but it just seems insanely complicated to work everything out.

Does anyone have thoughts/advice??
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Medical liability of sponsor of visitor visa
Added on : Wednesday June 25th 2014 07:00:09 AM
g: 0 Posted By: Veeekay
Views: 51 Replies: 0 One of the contractors I work with is on a work permit (H1) and is in the US for the past 6 months. Approx a month ago his inlaws were visting him on his invitation and he providing documentation to the State dept that he would provide financial support to them during their visit to get their visitor's visa (standard procedure).

A couple of days into the visit his MIL started to throw up and a day later she had jaundice (yellow eyes). He took her to the emergency room because she was so dehydrated. Emergency room checked her out, but ruled out Hepatitis virus. After a few rounds of diagnosis, the doctors confirmed that she had stage 4 cancer of the liver. At this point, his inlaws just want to get her to a point that she can travel back to the home country to start treatment, which the hospitals here did. His inlaws used their travel/visitor's health insurance, but provided his address as the mailing address.

Now bills are being sent to his address for the ones over the limit of what the travel insurance would cover. Speaking to travel insurance he gathered that there is over $50K of outstanding bills (so far) but don't know how much is over the limit. He does not know how to proceed. On one hand because he sponsored them, he feels obligated to pay the amount not covered by insurance. However, he fears that it may be many times over his savings. He does not want to pay part of it, because he's concerned that if this gets sent to collections (for the rest of the amount), somehow collections would make him responsible because he paid part of it.

Does anyone know what his liability is?
g: 11 Posted By: ltcm
Views: 5686 Replies: 99 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

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Should I take the money?
Added on : Tuesday June 24th 2014 09:00:09 AM
g: 0 Posted By: bvue
Views: 218 Replies: 5 2 weeks ago my 2 year old son, husband and I got rear ended while stopped on a red light. It was definitely the other driver's fault. I would say she must have been going 25-30 mph and was not paying attention. She had no insurance so the police got involved and her car was towed. (We live in Minnesota if that matters.)

Now, since the other driver has no insurance, we are responsible for paying the deductible to fix our vehicle and the damages assessed were about $1100. Our bumper and the exhaust got damaged in the accident. The other drivers grill actually fell off her car during the impact. The deductible is $250 and will be reimbursed to us. Our insurance company has offered us $500 for "pain and suffering" and to sign a release. My husband sustained some whiplash side effects and went to the ER a couple hours after the accident. The doctor prescribed him 600mg ibuprofen and told him to take it easy. I felt fine and did not feel much soreness, but I think that is due to the fact that my husband braced himself against the steering wheel. Our insurance company is paying for the medical expenses.

The other factors are that my husband does not have a job and is currently on unemployment. I work, but our income together barely covers the bills and groceries. My husband still complains of a sore neck and back and restless sleep. My son seems fine as he was strapped securely in his carseat. My husband was not able to actively look for work due to not having a car, such as attending employment workshops and inability to schedule interviews during the time that our car was in the shop.

I did not miss work because I couldn't afford to, but was inconvenienced by using my break time to send the car to the shop. My insurance did not cover for a rental. I have had to hitch a ride with a friend to work. I don't have enough money to pay for the $250 deductible and to wait for the money to be reimbursed at a later date which has not been determined, yet.

My question is, does $500 seem like a very low offer or should I pursue for more? I am tempted to take the $500 because I need the money to pay the deductible but I can try and borrow the money somewhere else if it's likely that I can get more. I am not trying to get rich but I don't feel that $500 is fair considering my husband's distress over being hurt and unable to proactively find a job. In this situation, what would be a good amount? How would I address this to the insurance company that I think we deserve more?

Thank you for your time.
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Free Kindle Book - The Definitive Guide To Apartment Marketing
Added on : Tuesday June 24th 2014 07:00:09 AM
g: 1 Posted By: remick
Views: 185 Replies: 0 http://www.amazon.com/gp/product/B00D5G1TDI

In this incredibly in-depth guide to Apartment Marketing, Josh Grillo (of Resident360.com) gives an amazing amount of detail on pretty much everything you need to know for increasing leads, leases and retaining more residents at your apartment communities.

From the basics of handling negative online reviews to advance strategies of converting more prospects into leads from your apartment websites.

A must have reference guide for apartment owners and property management companies that want to get the most out of their marketing.

With Definitive Guide To Apartment Marketing you will learn:
How focusing on traffic, conversion and service can increase your occupancy and NOI
The seven points that make up a good apartment marketing strategy
How to schedule more community tours and close more leases
One strategy that can give you an immediate boost in apartment reviews and ratings
How and when to ask for resident testimonials
The key components that make up a good apartment website
How to drive more traffic to your apartment website
How to stay in front of your website visitors after they leave your website
The most profitable marketing tools that generate the largest amount of leads and leases
Do not miss this blueprint for increasing leads, leases and retaining more residents at your apartment communities.
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g: 1 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/gp/product/B009SGITDW

TRAVEL MONEY TIPS for anyone who wants their travel dollar to go further. Want to travel the world, but don't think you are rich enough? In this book a life-long traveler will show you how to travel further, for longer, for less. sometimes much less, money than you'd ever imagine.

Learn how to set a realistic budget for your next trip, and learn the single most important factor that determines your trip's price tag (Hint: it's not the quality of your hotels or the length of your trip).

Once on the road, this book describes how to best setup your financial life to manage your money while you travel.It also covers tips and tricks to minimize those pesky transaction fees that your bank like to charge, just because you want to use your own money overseas!

The last third of the book the author shares her favorite tricks and tips developed over 30 years of travel: tips to save money on everything from accommodation to sightseeing.
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Loyal3 Transfer Account
Added on : Tuesday June 24th 2014 05:00:09 AM
g: 0 Posted By: cjwray
Views: 76 Replies: 0 Hi,
I have bought several stocks commission-free at Loyal3.com. I also have a TDAmeritrade account, and was wondering if I could transfersomeof the stocks from my Loyal3 account to my TDAmeritrade account. I feel as though TDAmeritrade is much easier to use and I would like to consolidate my holdings. I've read (and this is only from one source, there is not much information about this) that Loyal3 will close your account if you transfer your assets to another broker. I would still like to maintain the ability to purchase commission-free and am curious whether they would close my account if I only transferred some of the stocks.

Thanks
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How much can I expect to pay for this roundtrip ticket?
Added on : Monday June 23rd 2014 03:00:05 PM
g: 0 Posted By: rza1
Views: 69 Replies: 0 I've been looking for a NYC to LAX round trip ticket in middle of August (roughly August 10-24 but +/- 3 days). I am only seeing prices around $500-600. Can I find cheaper prices later? I was hoping to spend around $300-350 round trip like last time.


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g: 0 Posted By: ctgolfer
Views: 185 Replies: 0 Product Information
The seven-horsepower DuroStar DS4000S generator can be a supplemental source of electricity and comes in handy during power-outages. With an EZ-pull recoil start and a four-gallon tank, this unit can run for a maximum of eight hours at 50% power.

Location and Use
The unit can be transported in a large trunk, flat-bed truck or even an RV. The generator should never be used indoors. Incorrect use of the generator might lead to carbon monoxide poisoning from toxic exhaust fumes. Using a generator outdoors is the recommended option. If it is raining, the generator should be placed under an elevated tarp, or a small overhang. Water damage to any electrical parts of the generator may render it useless. Furthermore, the unit should be at least three feet from a wall or drapery and should be kept away from a. a flammable structure. About the Engine
This DuroStar DS4000S generator has an air-cooled OHV engine with a low-oil shut-off, adding to the durability of this generator. An external warning light will come on when the fuel is running low. After 20 hours of use the generator should have an oil change to ensure the parts do not overheat. Additionally, the oil drain beneath the generator will need to be emptied occasionally so as not to overflow. A full power panel on the DuroStar 7 HP generator that houses the fuel gauge also has a volt meter indicating exactly how much power is being generated. Also, the unit has a circuit breaker, so that if the system is overloaded, it will automatically turn off the affected unit in an effort to prevent damage. A maximum AC output of 4000 watts enables the generator to power several small to medium-sized appliances. A heavy system frame on the DuroStar 7 HP generator has four-point isolated motor mounts for smooth and quiet operation.

Certifications and Utilization
The unit is approved by the EPA, an important feature for modern appliances. To be EPA-certified the manufacturing process and the parts have to be in compliance with current standards and the unit should ventilate properly. Power specifications of this 4000-watt generator include two 120-volt, 20-amp, and 60 Hz NEMA 5-2 0R outlets. Furthermore, one 120-volt, 30-amp, 60 Hz NEMA L5-30 outlet is included on the unit. The plug for this single outlet differs in design for high-powered appliances that can handle a 2880 VA equipment load. Always ensure the unit is not overloaded, and perhaps only at half-capacity. If the electricity requirements are unknown, it is best not to plug the appliance in. Attempting to power an entire home with the generator can lead to an electrical fire.

Overall Use
The powerful 4000-watt generator has a 69 dB muffler system that will reduce overall engine noise significantly. Also, a four-stroke OHV single cylinder engine with a forced air cooling system ensures the unit does not overheat. To prevent potential igniting, the container should be sealed tightly to stop the vapors from entering the air. The unit should be completely turned off before fuel is added to reduce the risk of fire. Also, if the engine is hot, any gasoline that is spilled will potentially ignite. The fuel required by the manufacturer is the only fuel that should be used. The use of a non-preferred fuel could damage the unit or result in injury. Overall, the unit weighs approximately 90 pounds when no fuel is added. This portable generator comes with a tool kit as well as an operating manual. Measuring 20 inches wide by 27 inches long by 22 inches tall, the generator is fairly compact. When the generator is no longer needed, the owner should clean the unit to remove debris. When not in use, the generator should be stored in a well ventilated area to prevent harmful fumes from building up.

Product Identifiers
ModelDS4000S
UPC811640011840
MPNDS4000S

Key Features
Generator TypePortable
Horsepower7 HP
AC Max Output4000 Watt
Run Time8 Hours at 50% Maximum Output

Features
Fuel Tank capacity_Display4 gal.
Cooling systemAir
Volt meterIncluded

Dimensions
Weight94.01 lbs

Miscellaneous
Starter TypeManual


www.ebay.com/itm/DuroStar-DS4000S-Gas-Powered-4000-Watt-Portable...
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The Reason for the Season T-Shirt $8 w/FS @ Woot
Added on : Sunday June 22nd 2014 11:00:06 PM
g: 0 Posted By: ctgolfer
Views: 105 Replies: 0 We love you so much we are expediting your shipping for FREE. Arrives by 7/3.
Design Placement: Centered

Design Size:
3X - M, WXL - WL: 13.22 x 6.95
S, WM - WS, K12 - K8: 11.01 x 5.79
K6 - K4: 8.67 x 4.56

Pantone Colors: 199C - 281C - White

Features:

Fiber Content: 4.5 oz 100% Combed Ringspun Cotton
Manufactured In: Honduras/Nicaragua
Printed In: Carrollton, Texas, USA

www.woot.com/offers/the-reason-for-the-season-15
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2015 Insurance price hikes - post yours here
Added on : Sunday June 22nd 2014 07:00:06 AM
g: 0 Posted By: xerty
Views: 312 Replies: 6 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
2015 Obamacare price hikes - post yours here
Added on : Sunday June 22nd 2014 06:00:08 AM
g: 0 Posted By: xerty
Views: 188 Replies: 4 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
Free Kindle Book: CyberStorm by Matthew Mather at Amazon
Added on : Sunday June 22nd 2014 04:00:07 AM
g: 1 Posted By: ThriftyNet
Views: 136 Replies: 0 Check price before you click buy (knowing how quickly prices change).
Currently CyberStorm by Matthew Mather (Kindle Edition)is free at Amazon.

I've had this Kindle book in my wish list for some time (to watch for a special); can't get much better than free.
Book description says this is being made into a movie.
Over 3000 reviews 4.3 stars.
Totally Free Deals
g: 3 Posted By: remick
Views: 1234 Replies: 1 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.


New on 6/22

CyberStorm
http://www.amazon.com/gp/product/B00BT4QRHG

Now being made into a major motion picture by 20th Century Fox, with Bill Kennedy of House of Cards adapting the screenplay.
Mike Mitchell, an average New Yorker already struggling to keep his family together, suddenly finds himself fighting just to keep them alive when a bizarre string of disasters starts tearing apart the world around them. The Internet goes down. A bird-flu epidemic starts raging. Rumors spread that it's all part of a coordinated foreign attack. And then the power goes out as a monster snowstorm plunges New York into frozen darkness, becoming a wintry tomb where nothing is what it seems...and no one can be trusted...
"As a member of the Military that does 'cyber' for his job, finally we see a novel that shows how dangerous our transition to an interconnected infrastructure will become without proper safeguards...I couldn't put down!" - Karic Allegra, Joint Interoperability Command, US NAVY
What caused it? Who caused it? How can it be stopped? These questions become unimportant as Mike's family struggles to survive amid millions of people in the doomed metropolis.


The Transhumanist Wager
http://www.amazon.com/gp/product/B00AQQSY60/

"WINNER" Fiction Visionary - International Book Awards
Leading futurist, philosopher, and former National Geographic journalist Zoltan Istvan presents his award-winning, bestselling visionary novel, The Transhumanist Wager, as a seminal statement of our times.
His philosophical thriller has been called "revolutionary," "life-changing," and "a masterpiece" by readers, scholars, and critics. The novel debuts a challenging original philosophy, which rebuffs modern civilization by inviting the end of the human species--and declaring the onset of something greater.


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g: 0 Posted By: ctgolfer
Views: 284 Replies: 2 PowerIQ technology intelligently communicates with connected devices to maximize both compatibility and charging speed (Max speed of 3 Amps among 2 ports).
10000 mAh of capacity charges an iPhones four+ times or large-capacity phones like the Galaxy S4 more than twice.
At only 0.59in thick, it's ideal for grab-n-go use. 4 LEDs display just how much juice you've got left. Reliable lithium polymer core ensures quality and supplies 500+ lifetime charge cycles.
Input: 5V / 2A; Use a 2A adapter (not included) for fastest charge times (6 hours).
Package contents: Anker Astro E3 External Battery, accessories, user manual, 18-month hassle-free warranty.

www.amazon.com/dp/B009USAJCC/
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g: 0 Posted By: ctgolfer
Views: 204 Replies: 0 PowerIQ technology intelligently communicates with connected devices to maximize both compatibility and charging speed (Max speed of 3 Amps among 2 ports).
10000 mAh of capacity charges an iPhones four+ times or large-capacity phones like the Galaxy S4 more than twice.
At only 0.59in thick, it's ideal for grab-n-go use. 4 LEDs display just how much juice you've got left. Reliable lithium polymer core ensures quality and supplies 500+ lifetime charge cycles.
Input: 5V / 2A; Use a 2A adapter (not included) for fastest charge times (6 hours).
Package contents: Anker Astro E3 External Battery, accessories, user manual, 18-month hassle-free warranty.

www.amazon.com/dp/B009USAJCC/
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 3 tools in 1, easily converts from mower to trimmer to edger
AFS automatic feed system ensures continuous work without bumping and having to stop
Power Drive Transmission prevents bogging down
Adjustable height deck & trimmer and pivoting handle
Includes 2 batteries for extended run time
www.amazon.com/dp/B00HH4K548/

also available:

Black & Decker 12-Inch 3-in-1 Trimmer/Edger and Mower - $79.99
AFS automatic feed system ensures continual work without bumping or having to stop
Gear Drive transmission prevents bogging down
Easy conversion wheeled edging
The 6.5 amp motor provides maximum performance
www.amazon.com/dp/B00HH4K6XS/


Black & Decker MTD100 3-in-1 Removable Mower Deck - $39.99
3 tools in 1- easily converts 12" trimmer/edger to mower
Adjustable height deck for ideal cutting height
Compatible with NST2118, LST220, LST300, LST400, to convert from trimmer/edger to mower
Wall hanging option to make storage much easier
www.amazon.com/dp/B00HH4K6TC/
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The Beatles: Mono Box Set - CD $124.99 w/FS @ Best Buy
Added on : Saturday June 21st 2014 07:00:04 PM
g: 0 Posted By: ctgolfer
Views: 43 Replies: 0 The Beatles: Mono Box Set: Release Notes: Muze
Personnel: Paul McCartney (vocals, bass guitar); Ringo Starr (vocals, drums); John Lennon (vocals); George Harrison (guitar).Engineers: Norman Smith; Geoff Emerick; Glyn Johns; Jeff Jarratt; Ken Scott; Martin Benge; Peter Bown; Phillip McDonald; Barry Sheffield.Audio Remasterers: Sean Magee; Steve Rooke; Guy Massey; Paul Hicks.Liner Note Authors: Derek Taylor; Alan Rouse; Kevin Howlett; Tony Barrow.Photographers: Robert Freeman; Robert Whitaker; Michael Cooper.The STEREO BOX SET be the official canon, but what Beatlemaniacs have really craved is the MONO BOX SET. This limited-edition box is laden with new-to-CD mixes, including the genuine rarities of the previously unreleased mono mixes of the four new songs from Yellow Submarine, and its packaging is gorgeous, filled with mini-LP replicas with stiff cardboard sleeves of every album from Please Please Me to The Beatles, complete with replicated gatefolds and packaging inserts, all protected in resealable plastic sleeves. As pure physical product, this satisfies any collector itch, but this also is arguably the better-sounding of the two sets, providing ample evidence that the Beatles did spend more time on mono mixes during much of their career. For generations of listeners raised on stereo mixes, there are plenty of surprises here, from the faster versions of "She's Leaving Home" and "Don't Pass Me By" to the numerous little differences that pop up on SGT. PEPPER'S, THE WHITE ALBUM, and REVOLVER, all adding up to dramatically different experiences. Sometimes, the density of mono just has more force-- "Lady Madonna" rolls like a freight train, "I'm Down" hits to the gut--and sometimes the colors just seem more vibrant; in either case, there's enough emotional difference to make this worthwhile for the dedicated, and depending on taste, it may even be preferable. But there's no question of one thing: of the two sets, as a package, the mono box is a thing to behold. And there's also no question that those who waited 22 years to hear a better version of the Beatles will not be disappointed (although they may still wonder why it took so long for the Fabs to be treated as they deserve).

www.bestbuy.com/site/the-beatles-mono-box-set-cd/9459276.p?id=20...
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Kaiser Bill via ObamaCare Bronze Plan...
Added on : Saturday June 21st 2014 04:00:09 PM
g: 0 Posted By: inac
Views: 25 Replies: 1 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
First Kaiser Bill via ObamaCare Bronze Plan - Expensive?
Added on : Saturday June 21st 2014 11:00:09 AM
g: 0 Posted By: inac
Views: 71 Replies: 2 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Without
http://www.amazon.com/gp/product/B008OLD5DG

The apocalypse came as a whisper.
Mother Nature had been sending signs for three years, but most didn't pay attention until she pulled the plug on everything. Nobody will forget where they were and what they were doing at 8:13 on that morning. They're all still waiting for 8:14. Well, at least the ones that have made it so far.
He was stuck in Atlanta traffic, making his way to work, when the world fell silent. His car, his radio, his phone, his watch, anything that needed a spark, a battery, or an outlet died. The silence didn't last long and neither did she. He didn't know if the yellow sundress was the first to die, but he does know that she wasn't the last. Not even close.
As aircraft fell out of the sky, panicked drivers lost control in the fast lane, and pace makers stopped keeping their rhythms, he got out of his car and popped the trunk. Most didn't pay attention, but he did. And he knew what was coming.


Abomination
http://www.amazon.com/gp/product/B005Q2N4NC

They were built as unstoppable warriors. They became unstoppable monsters.
Four decorated U.S. Marines with spotless service records are wanted for the brutal rapes and murders of over a dozen women within four months. Their hunting grounds stretch from New York to Georgia. When Ryan Pearson and his team of FBI agents close in on the first killer, the cornered Marine nearly defeats three heavily armed assault teams with nothing but unbridled violence and grossly deformed hands.
After the bloody encounter that left another woman and two agents dead, Ryan begins to question the directives of the military liaison and his own boss, the Deputy Director of the Bureau. The answer he discovers during his unsanctioned investigation blurs the normally focused line between victim and criminal.
Ryan enlists the help of a civilian scientist that can link the sociopathic behavior of the four fugitive Marines to a biomedical research facility where they were stationed prior to the murders. When the scientist Ryan befriends is attacked in a military style ambush, he forces himself to remember every detail of the violence. He wants to remember so he knows exactly what to give back to the ones responsible.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


Nowhere Blvd: A Horror Novel
http://www.amazon.com/dp/B006R4RTSE

In this Kindle horror exclusive, eleven year old Spencer Williams mysteriously re-appears in his bedroom after having been missing for two years. The story of where he's been is one no sane person would believe, a tale of being kidnapped by a creature out of legend and taken to a scary and strange urban fantasy land. A place where young children the world over are subjected to horrible experiments by the original boogie man, the living nightmare known as Smiling Jack.
Spencer keeps his secrets, happy to have been the only child ever to have escaped the clutches of Smiling Jack and his minions. With his nightmares fading into the past, Spencer returns home and tries to live a normal life. But when his baby sister goes missing, will Spencer be willing to take the ultimate risk to save her?
Will he be willing to return to the horror of Nowhere Blvd?


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.

Books Deals

Amazon Coupons
g: 1 Posted By: robronson
Views: 118 Replies: 4 From my understanding of federal student loan debt that is discharged after 20/25 years (depending on your plan), you become liable for income taxes on the amount forgiven. While I don't expect this to remain once people's student loans start getting discharged in 10 to 15 years under these relatively new plans, because people won't be able to pay income taxes on a phantom $300k of student loan debt (after 25 years of compounded unpaid interest on a $50k to $100k principal) and will get their elected officials to change the law.

However, we can't prepare for that, and reading a thread on FWF tonight got me to learn about avoiding income taxes on discharged debt through "insolvency tests". I did some googling and read this IRS information here:

http://www.irs.gov/publications/p4681/index.html#en_US_2013_publ...

To summarize, it looks like the IRS will perform this insolvency test to determine whether you have to pay income taxes on those $300k of forgiven student loans in 20 years. Simply put, the test looks to see how much debt you had forgiven compared to your assets, and whatever the difference between the two numbers (liabilities minus assets) determines how much of the forgiven debt you need to pay taxes on.

Unfortunately, and VERY UNFAIRLY, the IRS counts retirement assets as assets. Which is ridiculous because $100k in a 401k isn't worth $100k. It's worth maybe $80k after you pay taxes on it. And if you had to withdraw it early, with a penalty, it's worth maybe $50k to $60k depending on your marginal tax break. Thus, the purpose of this thread is to strategize ways to make the insolvency test work in your favor because as written, it's very much against you.

Much like Medicaid fraud, I mean Medicaid asset protection, you probably don't want to start doing these things in the year your debt will be forgiven. So while the earliest any of us might possibly be forgiven for debt is still probably 10+ years out (since this plan didn't start until the early 2000s), it's worth thinking about in advance.

Here's some random ideas that may work:

1) Buy a house. As expensive as the bank will lend you money for, with as little down payment as possible, leading up to the debt forgiveness. It appears that the liability of the house counts in the liabilities column. So if you buy a $200k house with $40k down, then you now have $160k in Liabilities and $40k in assets for a net Liability of $120k.

2) Start converting 401k into Roth IRA in the years leading up to the loan forgiveness. Pay the taxes owed on the conversion out of the 401k money if necessary. Pay a penalty if necessary. You will get hosed for every $1 you have in your 401k or Traditional IRA because they will count every 60 cents to 80 cents in actual value (after you distribute the money and pay taxes/penalties) as $1. Since $1 of a Roth IRA is worth significantly more than $1 of a Traditional IRA or 401k, but the asset test counts the dollars the same, it may be worth converting even if it pushes you into a higher marginal tax bracket.

3) AOR BT Time, if those still exist in 10+ years. That's debt. If the cash vanishes, maybe because you went to Vegas, then the cash isn't an asset. But the BT is definitely a liability.

4) Borrow money from friends/relatives. Make it official. Notarized contracts. These are all liabilities.

5) Prepay for things you can prepay that won't count as assets. Prepay your child's education or daycare. Etc.

6) Combine strategies. Don't just have a notarized piece of paper that says you borrowed $300k from your best friend a week before the loan discharged. No one will believe that. But if you have a $100k left on a mortgage, $5k owed to your cousin, $20k on credit cards BTs, convert all of your 401k to Roth IRA over a few years, then the total strategy looks legit on a whole.

Curious to hear people's ideas on these. I don't feel bad for discussing them because (a) the concept that the IRS will tax you on income you didn't get and (b) the concept that they'll count your 401k assets as $1 for $1 are so totally biased against you that anything and everything is fair game, as long as it's legal. Ethics no longer applies.

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 0 Posted By: avash
Views: 218 Replies: 0 Deal just got hotter.

Was originally posted at $529.99, before lowered to $519.99 a few days ago. Now it's even cheaper at$498.00shipped and sold by Amazon.com which is an awesome deal for it. Amazon link

Previous threads for reference:12

Highlights:

16.1MP APS-C sensor, up to 10 fps shooting
Fast Hybrid AF with phase detection
AVCHD 1080 60p/60i/24p HD movies
XGA OLED electronic viewfinder
Built-in Wi-Fi
Quick Navi controls
E-mount 16-50mm lens


I used to have a NEX-5N with the 18-55 kit lens and sold that on CL after getting the NEX-6 with 16-50 PZ kit lens included. I also have the SEL35F18 prime lens and the SEL20F28 pancake lens which are both great lenses to have on the lower (wide) coverage. I primarily use the 20mm pancake with decent light since it's nice and wide and switch to the 35mm prime in low light, or the 16-50PZ when prime lenses won't work and I need something more versatile and low light isn't an issue.

What I love:
- Wi-Fi (I use PlayMemories App on my Windows 7 laptop and Android smartphone to get pics from my camera without needing to use the USB cable)
- On-board charging through the micro-USB port (no need to carry an external battery charger)
- Hybrid phase and contrast detect for faster focusing (vs. contrast only detect from my old NEX-5N)
- electronic viewfinder which automatically toggles on through a proximity sensor (awesome for bright outdoor use, not having to use the screen)
- 16-50mm power zoom lens compactness and reduced weight (vs. the 18-55 kit lens from my old NEX-5N)
- it retained the articulating screen from the NEX-5N (can't do self portraits as the screen doesn't flip 180degrees but you can use Wi-Fi to remotely view and trip the shutter, YAY!)
- universal hotshoe vs. proprietary port (actually a bit of a lie, it's Sony's Multi Interface Shoe which combines universal hotshoe and their own port, so best of both worlds I suppose)

What I don't mind:
- Increased size, but not a bad trade off considering better grip, ergonomics and weight seems the same thanks to lighter 16-50mm PZ lens.
- Loss of touch screen, but not a bad trade off considering I've adapted quite well as the new physical mode dial accomplishes about 80% of what I used to do on the touch screen.
- 16-50 PZ lens doesn't feel as nice as the 18-55 manual zoom kit lens but not bad considering it's made it MUCH more pocket-able which is why I got the NEX in the first place.

What I don't love:
- Decreased battery life, reviews say less shots per charge, even less when using the EVF a lot. I have played with the settings to maximize battery life.


If you were on the fence about it, this is a great price for a very competent mirrorless interchangeable lens camera from Sony.
The reason the price is so low is because it's being clearanced out in favor of newer models with better hybrid phase detection, different screen articulation, new Alpha naming instead of NEX, etc.
SLR & dSLR Deals

Amazon Coupons
How much of net worth should go into primary house
Added on : Friday June 20th 2014 01:00:05 PM
g: -1 Posted By: David415
Views: 169 Replies: 2 Hi Guys,

Just wanted to see what people's opinions are on this topic. Some background first. I live in the San Francisco Bay Area where house prices are expensive. My wife and I make combined 250k/yr. Me and my wife are in our mid-late thirties.

Here's my general situation:

200k cash savings
825k stocks
580k retirement accounts
250k investment condo with a 250k mortgage (I exactly breakeven on this condo each year. so don't really need to figure this in really)
890k primary house with a 500k mortgage
No other debts
Assume no inheritance money in future

I'm thinking of upgrading to a bigger house and renting out my current one. I believe I can rent out my current house and it will cover all expenses such as mortgage, insurance, taxes. Here is where I would like to see what you guys would do. The house I'd like to move into is 1.5M. If I got a house like that I would be happy staying there forever, but a big chunk of our monthly income would go towards mortgage. We could do it but probably would have very little to invest in other things. Or I can buy a slightly smaller house at around 1.3M or just stay in my current house a little longer like 3 years and then buy when I've saved a little more.

To me I think a house is a relatively safe investment over the long term. Since I plan to live here for a long time I don't see it as much risk at all and it might be good to just get the house you want early and enjoy it for a very long time.

What do you think?
New User Question Deals
g: 0 Posted By: ctgolfer
Views: 30 Replies: 0 Sold and Shipped by: Sunvalley

HooToo - Future Network for Today

By combining a router, external battery, AC adapter, and personal cloud into one compact device, the Tripmate Elite is the ultimate travel companion.

Travel Router:
- Plug an Ethernet cable into the WAN port(receive signal, not a LAN port), seamlessly turns a wired connection into a wireless network (wireless b/g/n, 150Mbps, AP/Router/Bridge).
- Easy setup in minutes.

Personal Cloud:
- Share media for up to 5 Wi-Fi enabled devices (iPhone, iPad, Android, etc) simultaneously.
- Stream movies, music, and photos to all Android, iOS, and Windows devices.
- Supports any USB storage device(Mac formatted hard disk is not supported) including: external hard drives, flash drives, etc.

External Battery:
- Built-in 6,000mAh external battery can charge most phones 2-3 times.
- High-capacity lithium-ion Samsung Cells to ensure quality.
- LED Battery Indicator displays how much juice is left.

Dual USB Wall Charger:
- Foldable AC plug connects the unit directly to the wall without the need for a cable.
- Can charge up to two USB devices simultaneously.

Before Buying:
- Cannot bridge iPhone hotspot
- Cannot be used for IP camera FTP path
- Windows phone App is coming soon

Package Includes:
- 1 * HooToo TripMate Elite (HT-TM04)
- 1 * User Manual
- 1 * USB cable
- 1 * Mesh Case

www.newegg.com/Product/Product.aspx?Item=9SIA0WP1MG0797
getting fired and ready to cash out 401k.
Added on : Friday June 20th 2014 09:00:09 AM
g: 0 Posted By: 2hotforu
Views: 306 Replies: 13 So here it goes. I am about to be forced out of my job. I will need my 401k funds to live on after about 4 months. Anyone know of a calculator that will let you know exactly how much you will get after the gov. sucks their share out?
Question Deals
Specific mortgage request, Loan officers please review
Added on : Friday June 20th 2014 04:00:13 AM
g: 0 Posted By: SoCalJohn
Views: 31 Replies: 0 Much to my dismay, my wife has decided that she wants a bigger house with a bigger yard. I currently own 2 houses in the same city, I will have to cashout both houses to come up with the downpayment for the new house and possibly sell one or both after acquiring the new mortgage.

I am just about done with a cashout refi on a condo owned free and clear, 70% ltv investment property 4.875% no costs no fees 30 year fixed $500k value
Primary residence $1.3M value owe $500k on first mortgage with Heloc of 170k with third federal

Issue is that we have a short sale from 3+ years ago, it did not effect the cashout conventional with our 700+ fico scores, but I have been shut down by morgan stanley and bank of america for jumbo cashout with short sale.

Can any of you mortgage guru's steer me to a lender that will cashout a jumbo loan with a short sale?

I have found financing on the 2M purchase, 40% down stated income 1 year arm at 4% for a .25 discount point cost. Only requirement is 60 months PITI reserves, which we will have after cashing out both properties with 60% of 401k counted.

Thanks for any help

Properties are all located in Southern California, Primary is SFR
Personal Finance Deals
g: 0 Posted By: BigBoyMichigan
Views: 236 Replies: 1 STARTING SEPTEMBER 01, 2014

I Got word today that McDonalds in the USA will be starting their McDonalds Monopoly in September, So here is a sneak preview!

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
*** COMING SOON ***



SPECIAL MCDONALDS RULES ABOUT THE GAME:
=======================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
*** COMING IN SEPTEMBER ***

* .................4 peels
* .................4 peels

* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels

* Check with store as once the peels runs out on a certain product, They will NOT be resupplied.



NEW PRIZES THIS YEAR:
=====================
**** COMING SEPTEMBER 2014 ***




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


if you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for Redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.



Totally Free Deals
g: 0 Posted By: BigBoyMichigan
Views: 27 Replies: 0 STARTING SEPTEMBER 01, 2014

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!




FREE MONOPOLY CODES - EVERYONE CAN USE THESE ONCE
=================================================
*** COMING SOON ***



SPECIAL MCDONALDS RULES ABOUT THE GAME:
=======================================
* While the giveaway is essentially identical in each country where it is available, game pieces collected in one country cannot be used in another country.
* For all versions of the online game, players are allowed to enter 10 codes per day.
* Note that the official rules state: "The purchase, sale, trading, or barter of Game Pieces, Game Stamps, FREE Codes or Game Codes via Online or live auctions, or any other methods, does not constitute Legitimate Channels and is expressly prohibited.
* If you are related to, or romantically involved with a McDonald's Employee you are unable to participate in the game.
* Participants with Disabilities: If you have a disability that you believe prevents you from participating in the Game, or if you are a Guam or Saipan resident who needs assistance in redeeming a Prize, contact (866) 375-0638 for assistance.



# CHANCES PER PRODUCT:
======================
*** COMING IN SEPTEMBER ***

* .................4 peels
* .................4 peels

* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels
* .................2 peels

* Check with store as once the peels runs out on a certain product, They will NOT be resupplied.



NEW PRIZES THIS YEAR:
=====================
**** COMING SEPTEMBER 2014 ***




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


f you use a code, please let others know! It saves us all time, and it makes our code donors feel good. RBM stands for redeemed by me and RNBM means that you tried the code, but it was Redeemed, Not By me

And finally, if you WIN something, POST IT! Everyone loves hearing about the big wins!


■DISCLAIMER:All logo's, trademarks and other material is copyright of their respective owners. This site is not owned, operated or run by McDonald's and is in no way affiliated with any of its companies. The use of McDonald's or Monopoly images are for illustration purposesonly.The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any prices, products, programs, offerings, or technical information described in this Web site. BigBoyMichigan makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, or may not meet your needs and requirements. IN NO EVENT WILL BigBoyMichigan BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BigBoyMichigan page is not endorsed by or affiliated in any way nor The opinions expressed here are those of the authors and do not necessarily reflect with the thoughts and opinions of McDonalds, Mickey D's nor any other products / companies listed on this site.



Totally Free Deals
With Unlocked Multiplier from factory this Intel Core i5-3570K BX806237i53570K Processor is an Overclocker's dream!Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Free Kindle Book - Essential Fish Care In Aquaponics
Added on : Thursday June 19th 2014 07:00:06 AM
g: 0 Posted By: remick
Views: 103 Replies: 0 http://www.amazon.com/gp/product/B00DLHL3BO

As Aquaponics becomes more popular with gardeners and enthusiasts everywhere, sometimes basic fish health and proper care, can be overlooked. Much of this is largely due to not enough knowledge about their needs requirements and living conditions. This book is designed to give the beginner and mid-range Aquaponic grower a good foundation in providing the best possible care to their fish. All those little questions people ask about raising fish in Aquaponic systems can be answered in the Essential Fish Care Book. These living, breathing creatures will provide a healthy source of protein at the dinner table, if we take good care of their needs first.
Totally Free Deals
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Figuring Out Credit Card Interest
Added on : Wednesday June 18th 2014 09:00:14 AM
g: 0 Posted By: nickygrahn
Views: 165 Replies: 1 Hey guys, I've done a bit of browsing on these forums in the past and finally made an account! I am wondering if you can help me figure something out:

I have a Discover credit card that has 22% APR which I've used for months now. I've always paid off the statement balance as I use this for my business. Just lately, I had to put a major repair on my credit card and will not be able to pay off the full balance. It's currently at $2700 and the payment due date is in a couple weeks. Does anybody know what extra I would be paying if I put $1500 towards it now and wanted to the pay the rest off in August? I've never had to do this and am worrying about how much they will make on me even if I pay it off within a couple installments. Thanks so much for any responses!
Personal Finance Deals
owning and managing a mid size apartment building
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: bxd20
Views: 218 Replies: 2 I have personal experience owning/renting/managing single family homes and duplexes. I have generally preferred the single family homes. In the neighborhoods I feel most comfortable, these are roughly $100,000 homes that rent at around 1% of that per month.

I was browsing MLS listings the other day and ran across a much larger property that I have no experience with. For about $600k, there is a 24 unit building available. Rectangular basic box shape, all brick, built in 1964, total sq ft about 16k, sitting on about 1 acre.

Granted these are small units at 670 sq ft and very plain inside. But they are kept up, in good shape, and the building is fully leased at around $600/month. It is listed as "commercial", I don't know what tax implications that brings about.

This is the first time I've even looked at something like this and the numbers look too good to be true. Even if 4 of 24 units goes vacant, we are talking a monthly rental intake of 2% of purchase cost, double what many here on FW would consider investment grade.

I have the skills to handle all mild to moderate repair and updates myself. If I quit my job, I would have the time to manage the 24 units. (Let's leave that angle out of this thread for now.)

I'd love to hear from other people that have buildings in this general size range. Do you find that the cookie cutter design makes repairs easier, because you know what to expect in each unit? Do you find that common area repairs (roof, drive, parking), while being more expensive and requiring a lot of cash, are easier to manage as projects, than having several smaller properties to juggle and visit? Wouldn't the lost income when someone moves out be much lower than a single family home because a smaller fraction of my investm