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g: -1 Posted By: ctgolfer
Views: 193 Replies: 0 Exclusive Promotion includes 3GB of free data for your first month if you activate your Freedompop Stick 250U within 7 days of receipt and one month of Free Freedompop Premier
500MB of free 4G Data per month for life
Free trial of Freedompop Premier lets you rollover your unused data, prevent online threats, and much more
Nationwide 4G/3G service in major metropolitan cities across Clearwire's 4G WiMAX and 3G networks.
Easy to use- dedicated to one device at a time
Super compact, fits in your pocket so you can take it anywhere you go
Stay safe and secure with your own private Wi-Fi
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180 degree swivel form factor
Supports most operating systems with standard USB port: Windows 7, Vista, Windows XP, Mac OSX, Linux, Android, and Chrome
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Supported operating systems: Windows XP (SP3); Vista 32/64; Windows 7, Mac OS 10.5.x, 10.6.x, and 10.7.x (*Mac OS 10.9 Maverick is not supported), Linux, Android, and Chrome versions that support Remote Network Driver Interface Service Specification (RNDIS) or Communication Device Class (CDC) devices
Dimensions: 0.6 depth x 1.9 diameter
Weight: 2 Ounces
Brand: Freedompop
Model: 250U
Condition: Factory Refurbished
Warranty: 90 Day

http://1sale.com/electronics/mobile-cell-phones/freedom-stick/
Freedom Pop Deals

1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 Free lifetime map updates for the life of the GPS navigator
OneTouch favorites menu offers instant access to your personalized bookmarks of favorite places and searches anywhere you travel. With a single touch, find your favorite caf or restaurant in any city.
Free Lifetime Traffic provides real-time traffic information. Avoid traffic jams, detours and construction zones
Highway Lane Assist shows realistic highway signs to guide you and ensure that you'll choose the correct lane
Built-in AAA TourBook guide provides ratings and descriptions on AAA-approved places to stay, play, dine, and save.
Extra-large 4.7" color touch screen is easy to view.
Spoken street names and directions so you can hear upcoming turn directions.
Highway exit POIs search finds gas stations, restaurants, hotels, and more near upcoming highway exits.
QuickSpell narrows your address and city searches, as you type, making destination entry easy.
Multi-destination routing lets you plan your trip with multiple stops. Choose the order you want or automatically optimize your route. Saving time and money.
AAA Member Roadside Assistance shows the AAA phone number and your exact location on the GPS navigator screen for easy reference.
Preloaded premium maps give you the latest maps and directions as you travel the United States, Canada, and Puerto Rico.
Millions of points of interest (POIs help you easily find gas stations, restaurants, ATMs, coffee shops, and much more.
Route customization lets you choose the shortest distance, fastest time, most use of freeways, or least use of freeways
Address book enables you to create and store contact information.
Auto night view adjusts your screen's color and contrast for easy night viewing.
Automatic re-route lets you quickly get back on track in case you missed a turn.
Battery Type: Li-ion (integrated)
Battery Life: 2 Hours
Speaker: Yes
CPU: 400 MHz
Expandable Memory: microSD
GPS Accuracy: 3-5 Meters
High-Sensitivity GPS: Yes
Antenna Type: Multidirectional Patch
USB 2.0 Port
Dimensions: 5.4 x 3.4 x 0.6
Weight: 5.8 ounces
Brand: Magellan
Model: RM3045-LM
Condition: Factory Refurbished
Warranty: 90 Day

http://1sale.com/electronics/other/magellan-roadmate-gps/
GPS Deals

1Sale.com Coupons
g: 0 Posted By: GreenTrash
Views: 148 Replies: 0 LINK

Light therapy = liked
ion therapy = not so much
Health & Beauty Deals

Amazon Coupons
g: 0 Posted By: tuphat
Views: 189 Replies: 2 "Rowan Williams, the former Archbishop of Canterbury, has challenged the assumption that borrowers always have a moral responsibility to pay back their loans.

Debt repayment is not a "moral absolute", he said, because banks and lenders have themselves failed to accept the moral responsibility for their lending.

Dr Williams said the global financial system has repeatedly ignored and sidelined in every possible way the principles on which much of the Western world's moral code is based."

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/...

FWIW, I think the padre is walking a very very fine line ...
General Economics Deals
g: 0 Posted By: atiggger
Views: 516 Replies: 1 TODAY ONLY Orange Leaf Yogurt 50% off yogurt Tax Day Special $4.15 / cup

orangeleafyogurt.com

COUPON NEEDED Download from link below.

To help ease the pain of Tax Day (4/15), all of the more than300 Orange Leaf locationsacross the country will be offering customers a great deal: fill your cup for $4.15. On average, this amounts to approximately 50% off, depending on how much froyo and toppings the customer chooses. Claim the offer by visiting theOrange Leaf Facebook pageand downloading a coupon.
Restaurants & Entertainment Deals
TODAY ONLY Orange Leaf Yogurt 50% off yogurt Tax Day Special
Added on : Tuesday April 15th 2014 05:00:10 AM
g: 0 Posted By: atiggger
Views: 265 Replies: 0 TODAY ONLY Orange Leaf Yogurt 50% off yogurt Tax Day Special

orangeleafyogurt.com

COUPON NEEDED Download from link below.

To help ease the pain of Tax Day (4/15), all of the more than300 Orange Leaf locationsacross the country will be offering customers a great deal: fill your cup for $4.15. On average, this amounts to approximately 50% off, depending on how much froyo and toppings the customer chooses. Claim the offer by visiting theOrange Leaf Facebook pageand downloading a coupon.
Restaurants & Entertainment Deals
Dentist bill reasonable?
Added on : Monday April 14th 2014 06:00:07 PM
g: 0 Posted By: Table83
Views: 0 Replies: 0 Attached an image of potential dentist bill. Brush & Floss every day yet I still have 4 cavities. One of the cavities is in a tooth that the cavity is underneath old work that was done years ago by another dentist in an area that I don't live in any more. New dentist is saying that it needs to be crowned. I'd be OK if a crown didn't cost $452 after insurance. To remove my last remaining wisdom tooth is only $39.80. To spend $874 is just too much for me. I'm considering not getting the guard. And am considering shopping around for the crown price, but don't know if you can do that on dentist stuff because they have the x rays and stuff. This is very expensive for me as I don't have a lot of disposable income.

Questions:
1) Are these charges reasonable?
2) Is it possible to shop around for stuff like this?
3)Would you just pay and be done with it?
4) Does it cost extra if I just want to be put under when they do all these? I hate the smell of teeth, and the novocain doesn't work to well on me.
5) Any other advice?
Is it better to run small business under my wife?
Added on : Monday April 14th 2014 02:00:04 PM
g: 0 Posted By: fleetwoodmac
Views: 0 Replies: 0 So I work full time and have 401K from employer
I also have a side business under my name. I learned that I can invest 25% of the net income from this business to solo 401K. The total of 401K investments can not exceed 50.5K.

Then I read somewhere that it is better to put my wife as partner in the business so she can use salary deferral whatever that means. I guess there is an advantage to do this. I am not sure what. She works part time and not making much. But I have no employees in the side business never needed one.

Is there a benefit of showing her as an employee? Or make her my partner? which one benefits us the most in terms of 401k invesments or salary deferral or financial gain maybe paying less taxes?

any input is much appreciated
g: 0 Posted By: wilked
Views: 90 Replies: 0 http://www.bostonglobe.com/business/2014/04/13/buyers-turn-new-b...
Instead of making a specific offer, they promised to top whatever turned out to be the high bid by an additional $5,000.
In a sign of how competitive the Boston-area housing market has become, the maneuver is becoming part of the areas bidding war landscape, brokers and other real estate executives say. Some report there hasnt been this much escalation clause activity since the last house-buying frenzy 10 years ago.

There are several kinds of escalation clauses, but all involve an agreement to top the high bid on a home by a set amount of money often $5,000, and sometimes more.

Potential buyers who offer such arrangements usually insist on a brief amount of time, an hour or less, to follow through or to back out once a top bid has been established.

Thoughts?
Real Estate Deals
Empty lot, thinking about building TH and sell them
Added on : Monday April 14th 2014 07:00:07 AM
g: 0 Posted By: freejunkmail
Views: 74 Replies: 1 My family owns a dump in a re-developing area. The house itself has been vacant for years and is all messed up, totally worthless. The land, however, is quite sizable at approx 1 acre. My realtor says I can sell the land for $150000.

After touring around the area, I noticed there are a lot of new TH built. The asking price is in the 200's. It got me to think if I hire contractor to build a set of TH and sell them, maybe it can be much more profitable? Not sure about that particular area, but the housing market for the whole city is in good shape. I have visited many sites, but all of them talk about building single-family houses. I have yet to find a guide about building a set of TH. So the helpful FW forum springs to mind.

Here are my pros and cons analysis:
Pros: I own the land to myself. My schedule is flexible. I have good credit score. I also got some disposable cash, around 200k.
Cons: Have no experience in construction whatsoever.

So far that's all I can think of. Maybe I'm missing some important factors. My main questions are:
How many 2 story, 1600sqft, 2-3br TH will fit on the lot? I set that parameter because it seems like the popular type in the neighborhood.
How much money can I borrow from the bank, with the land being the collateral. How much more do I have to put in.
How long does such project usually take?

Since they will all be up for sale, I don't have any personal preference. Anything conventional will do. Please offer your thoughts. Thanks!

Real Estate Deals
g: 0 Posted By: jackstone
Views: 92 Replies: 0 I am not certain if I will get red for this question but to me it is a rather difficult one to assess. Would appreciate your help on this and am happy to provide additional relevant info.

Getting a severance package from my current job (for a lump sum) and already have another one lined up, so not worried about job security for the present. A nice problem to have admittedly.

Quick disclosure, I already have 3 rental properties but they each have loans on them. The business model is working and I have no major issues with property management.

Ultimate question - use severance package to pay off student loans in full and still have some severance package cash lying around, or use an FW strategy to maximize long term net worth and earning power to offset student loan cashflow by purchasing rental property in full?

The question the wife and I are debating: We have about 56K in student loans combined between us, with an average interest rate of about 4.75% - a few are above 6% so I could see some arguments to pay at least those ones off. The monthly cost for our student loans is about $750 which I agree is ridiculously large. I could use this severance to vanquish the loans and eliminate the albatross of student debt once and for all. I would still then have close to enough cash lying around to possibly pursue a rental property downpayment and have a 4th mortgaged property, or could just throw it into a global stock index fund.

But all else equal, I am rather confident that I could locate a property that if purchased with cash, would offset the student loan cash flow completely, because the rental properties I already have (with loans on them) rent for higher than that monthly loan outflow, even after adjusting for property management fees, maintenance, etc; of course I have to pay mortgage expenses on the current 3 properties, so this would only work if I could find a property that I could FULLY pay - understand that some FWs might tell me to triple down and get three more mortgage properties instead of a single cash one. I will seriously consider taking money out of the cash paid for house after the rent and monthly expense situation is steady (let's say a year in) and then use it to buy another house with cash. The depreciation offset will also help in a big way until the student loans are due to be paid off - currently a mix of expiry, with most ending in 2019. Obviously once the student loans are paid off my cashflow situation dramatically improves - so 5 years out or so except for 1 of the loans (about 1/3 of the outstanding debt but at 3.5%) expiring in 2029.

Other considerations:

We always max out our Roth IRAs - may start to become inelgibile for Roth within the next year or two.
I have maxed out my 401k for two straight years and should be able to for the forseeable future. Wife's story a bit different but hope to at least come close to maxing by 2015.
Have another partnership that owns one triplex in a different geographic area, that has been a bit more challenging than the 3 rental properties I currently have - point is I have somewhat high exposure to real estate, though spread across 3 geographies.
Have a (what I will call) middle sized liquid stock portfolio, as well as auto monthly DRIP with 4 companies.
We will be moving, and there are often start up costs associated with that, but my new job's compensation should cover the difference in cost of living.
We have an infant daughter, and we will definitely need to start planning for school soon!

Thank you very much!
Personal Finance Deals
g: 0 Posted By: lakrzfan
Views: 170 Replies: 0 Shows as 104.50 GBP, but drops to 87 GPB at checkout. With shipping, total is 90.16 GPB or $156.79.

Amazon Link

This is the newest Hitchcock set with each movie in its own film reel case. All discs are region free.

Lowest price according to camel (after the discount at checkout). Camel Price Check

Included films:

Saboteur
Shadow of a Doubt
Rope
Rear Window
To Catch a Thief
The Trouble with Harry
The Man Who Knew Too Much
Vertigo
North By Northwest
Psycho
The Birds
Marnie
Torn Curtain
Topaz
Frenzy
Family Plot




Blu Ray Deals

Amazon Coupons
g: 0 Posted By: Compeek
Views: 47 Replies: 0 I bought a used car from a dealer two weeks ago for $6,300 out the door. I paid $1,000 down and financed the rest.I am 22 and have good credit (Discover said 773 last month), but still limited credit history obviously, so they gave me a loan with a 10% interest rate. My payments are $150.70 for 42 months. The loanisthrough Wells Fargo Dealer Services.

Now, I already had two other cars worth around $3,000 each that I am currently selling. The new car replaces both of them, so all of the money I get from selling those two can go to pay off the new car. I should easily get the $5,300 back from selling them and would be able to pay off the loan.The only reason I financed the car in the first place was because I wouldn't have the cash to pay for the new car until I sold both of the current cars.

(I'm sure I could have gotten a better rate at my own bank, etc., but my intention was to pay off the loan in the first month or two anyway, so I didn't care that much, and doing it through the dealer was easiest.)

My question is: Once I sell the other two cars and have the $5,300 (plus any accrued interest), should I pay off the loan in full, or should I pay it mostly off, but keep a small balance on it so that the loan stays on my credit and [potentially] helps my score for a while?

This is my first auto loan, so I don't know all of the intricacies, but I assume if I pay off all of the principal except, say, $100, I can just make very small payments for a while, and the loan will stay on my credit and bring my overall utilization down. Correct me if I'm wrong on that, though. And even if I'm right, maybe it's not worth the hassle, and I should just pay it off and be done with it.

Any input is appreciated!
Question Deals
g: 0 Posted By: guy4167
Views: 135 Replies: 4 If you were to buy it, how much would you put down? Thinking of blowing the whole load and taking a 15 year mortgage out for $70,000ish. My monthly payment would be around $1100, including mortgage, taxes and HOA.

A little background: college educated, in my 20s, making about $45,000 a year, own a car (outright, should be good for a few more years), and I expect my salary to grow significantly as my career progresses. No significant debts. The condo is allowed to be rented (I plan on holding and renting once I am done with it) and rent for the unit could support the whole $1100 mortgage payment at the present time.

Good idea? What should I be looking out for?
Question Deals
Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

A year later, my husband applied for a Sallie Mae Mastercard and the score they used to issue it was 732 from TransUnion.

Reasons:

Number of accounts with delinquency
Proportion of loan balances to loan amounts too high
Too few accounts currently paid as agreed
Proportion of balances to credit limits too high on revolving accts

Gross income was $71,000 last year, which has been steadily rising for the past 7 years. Net take home is $4050 (after 401K, health insurance, HSA, United Way).
The mortgage was $103,000 on a $123,000 property.
Card 1: CreditFirst (Firestone): We have it for the discounts and promotions. Paid off every month with the exception of one month in 2011 when we forgot about it and it went 30 days over. D'OH.
Card 2: Brand new Sallie Mae card with a $12,500 limit.
Card 3: Very vanilla VISA through our credit union. $13,500. Paid off every month, no exceptions. Averages about $1500/month. It is used for pretty much everything -- gas, groceries, cellphone bill, internet, home improvement stuff, restaurants. According to TransUnion, it had a high water mark of just over $7000 at one point in 2011, but even then I believe it was paid off the same month from savings.
New car loan of $16,300. The first payment is due at the end of this month. $4000 down payment. 2.6% for 60 months (2013 model didn't qualify for promotional rates)
Mortgage is $872 total with principle, escrow, and interest. If you haven't gathered from the fact that it's a $123K house... we have no HOA fees.

(EDIT: I should add that my own credit union VISA runs about $800 per month, just to give a fairer idea of the total household picture. That's the only thing i have in just my name).

I have no significant income and that will not change for several years. I'm just home with the babies right now.

Our proportion of loan balances to loan amounts will fall off as soon as our brand new loans have shrunk with time and payment and the one delinquent payment we've ever made just is what it is. So is the answer to actually open up another credit card or two, pay on the loans as scheduled, and work to get the number back up OR is it to just not worry about TransUnion since we're not using credit for anything in the near future anyway and 732 isn't really bad?

Meanwhile, my score from Equifax was 832 (husband's was 794) and I haven't had any income not reported on a 1099-MISC in about three years.

And since I've typed all of this out anyway, any general advice on handing our current cash flow and debt? We have an emergency fund but haven't set up college savings for the kids yet, in part because once I go back to work, we will have an entire extra income of about $35,000 net to put towards education and retirement.


Investing Deals
What online company should I use to buy stock?
Added on : Friday April 11th 2014 03:00:05 PM
g: 0 Posted By: moliuchick
Views: 154 Replies: 1 I have been using optionsHouse to buy my stocks for 2 years. The flat rate is $4.75 per trade. My coworker has been telling me about eOption. She told me the rate is much cheaper, only $3.
I am wondering what company people would recommend? I also have seen some companies that offer money if you use their service for the first time? I wonder if anyone have tried that too? What company do you recommend? I am a beginner in stock trading, any suggestions will be helpful! Thanks!
Investing Deals
5/1 ARM 2.875%
Added on : Friday April 11th 2014 02:00:06 PM
g: 0 Posted By: JDdoc
Views: 78 Replies: 0 Not sure if there's a forum this belongs in as I'm an avid FW'er but not so much FWF

Refi or purchase rate available from Hudson City Savings Bank - 5/1 ARM 2.875% with up to 80% LTV with no premium charged for cash out up to 80% LTV.

I think this is better than most rates in terms of the LTV / cash out option.

They will do a CIMA internally.

If you're selling your home soon / are at a higher rate with >20% equity in your home, etc this is pretty cheap money IMHO.

Chase private client offered to match this (even down to 2.625) with approx $1000 closing credit and 1% annually back on the payments if paid with auto bill pay from Chase account, but they have a markup for cash out and have notoriously low appraisals for your home. My loan was already with HCSB so doing the internal CIMA will also save me some legal fees.

Hope this saves someone some $. My refi from 4.75% on a 15 year fixed will save me about $1500 in interest payments per month...




Deposits Deals
Life (Attenborough-version) BluRay for $25 @ Amazon
Added on : Friday April 11th 2014 10:00:03 AM
g: 0 Posted By: Yuyak
Views: 109 Replies: 0 http://www.amazon.com/Life-David-Attenborough-Narrated-Version-B...

It's been quite a while since this version has been this price, as far as I'm aware. Much easier to find the Oprah version for cheaper than this, but in my opinion this version is SOOO much better. Amazon rating is about 3.5 stars with very polarized voting (many 5 stars and 1 stars) but if you look at the 1 star reviews, they're all complaining about Oprah.
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
Gridseed Asic 5 Chips USB Scrypt Miner [$120] AC
Added on : Thursday April 10th 2014 07:00:03 PM
g: 0 Posted By: bkc15
Views: 93 Replies: 0 For those of you that like to Mine Crypto-coins.

Zoomhash has the miner for $120 after coupon: muchwow


http://zoomhash.com/products/batch-15-gridseed-5-chip-320-420-kh...


Zoomhash is legendary in their customer service. Please google their reputation. Thanks!
Computers Deals
How much of annual income to spend on Vacation
Added on : Thursday April 10th 2014 06:00:10 AM
g: 0 Posted By: chakangt
Views: 25 Replies: 0 I did a little searching and have found a few article on this, but wanted to ask your opinions.

I am self-employed. I take work when I can, as often as I can and I hate turning down work. That being said, I have had consistent work for about 10 years running my own business. I am lately feeling a little burned out, and thinking it has to do with me trying to work so much and not taking enough vacation. Part of the hesitation is I don't want to miss income opportunities. But I think I am over that, and now am wondering just how much is appropriate (or wise) to spend on vacations on an annual basis? as a function of Net Income?

for example, there are other benchmarks we (or others) use as percentages to guide us (e.g. Don't spend more than %33 of monthly income on housing, keep 6 months rainy day fund... ). Of course this is all relative to your unique situation, but thought I would ask if there is rule of thumb.

a couple of articles I found:

http://money.cnn.com/2012/05/10/pf/expert/vacation-spending.mone...

and this

http://piggington.com/how_much_of_takehome_salary_will_you_spend...

however, I trust this forum's community and experience...

I am single, no kids.

I am curious, how much do you spend on vacations every year?

Many thanks for your thoughts...
Discussion Deals
Should I refinance my loan from 30Yr FHA @ 4.5% to a 5/5 ARM @ 2.75%?
Added on : Thursday April 10th 2014 05:00:11 AM
g: 0 Posted By: goofydragon1
Views: 78 Replies: 1 I am not sure if this question was every addressed in the forum. I would like to communities POV on refinancing my mortgage. Here are the facts:

Current
Loan Type: 30Yr FHA
Interest Rate: 4.5%
Original Loan Amt: $282500
Current Amt: $265489
PMI: $257.19 (Until ~ 6/2021)
P&I: 1432.12
Current Mortgage (includes: P+I, Home Insurance, PMI, County Tax, and Shortage): $2082.01

Refinancing options with Belvoir Federal Credit Union are below. Closing charges are $3089.30 and $3140.39 in reserves totaling 6229.69 that I will finance back into the loan.

New Loan Options
Loan Type: 5/5 Yr ARM,
Points: 0
Initial Interest Rate: 2.75%
Periodic Cap: 2%
Lifetime Cap: 5%
APR: 2.894%
Fully Index Rate: 2.87%
Requested Loan Amt: $273000
Current Amt: $265489
PMI: $0
P&I: $1114.50
Proposed Mortgage (P+I, Home Insurance, Tax): 1524.60

We plan to move with five years which this loan will make it a now brainier, however, if loans goes up like analyst may suggest we'll probably state in the home much longer. History shows that ARMs have always been lower that 15 and 30 Year fixed rates. The fact I do do know is that our LTV is under 80% but in my current FHA the LTV is 93%. BelvoirFCU also have a a 30 Yr fixed rate @ 4.25% (4.412% APR) w/ 0 points.


Personal Finance Deals
IRA or Roth IRA? And other questions.
Added on : Thursday April 10th 2014 04:00:09 AM
g: 0 Posted By: fleetwoodmac
Views: 75 Replies: 0 Hello

I am 45 years old, expecting a child 6 months down the road. I know that the rule of thumb is;

Max out 401k contribution for 2014. That's 17.5K.
Max out IRA contribution for 2013. $5,500. Deadline for 2013 IRA contribution is April 15, 2014.
Max out IRA contribution for 2014. $5,500

So, here is my situation

Income 110K (100K day time job+ 10K side business potential to grow unlimited, I will explain later)
401K balance 80K (never maxed till this year but this year I am maxing it to 17.5K) 100% invested in VSISX thru company 401k plan
Checking balance 100K earning 0.2%
I never had IRA but for 2013 I will invest 3,640 for my IRA (That is what tax software told me) and 5,500 for wife's IRA.
I will invest same amounts to IRA in 2014 as well
Considering additional 401K thru business but not done yet. I think I am limited to 25% of the business income up to difference between 17.5K-50.5K

I am renting so no mortgage

So I need to buy a house right now. Where I live you can get something decent for $250K which I am planning to pay all cash. Here are 2 reasons for paying cash;
1) Company keeps laying off people, need to feel safe with no mortgage payments.
2) Mom is willing to give me 150K to help me out buying the house, so I add 100K and buy the house for 250K.

About the side business
With not too much effort, I can raise business income to 50K/year. The interesting thing about it is; if there is no mortgage or rent then I would lose the potential tax deduction. For 2013, my rent was 1000/month and I deducted 500/month as expense from business income. (I am using half of the house for business)

So I am confused here on what to do.

1) Should I pay all cash for the house?
2) I am very happy with VSISX but should i diversify? More money will come so I guess I need to diversify.
3) IRA or Roth IRA? Baby is on the way, which one is better for him/her?
4) Is it better to put my wife as partner in the business?

Thanks
Tax Deals
Activation vis a vis Heartbleed
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: shinobi1
Views: 86 Replies: 1 I had already posted on activation, in general, earlier this year:

Link to old thread

Tried to add this there, but that thread now seems to be closed.

So given:

1. Nobody wants to suffer the hassle of fraudulent CC charges, even though there is unlikely to be monetary loss.
2. Many of us have a sock drawer filled with dormant credit cards.
3. Heartbleed has now been revealed.
4. Changing passwords can be inconvenient.

I'm liking the option of activation avoidance for dormant credit cards (see earlier thread).

Upon logging into account received a message from my daily user, Priceline (Barclays), suggesting I change my password. I didn't want to, but I felt it would nevertheless be prudent to follow their recommendation. I changed my Priceline password.

Next thought went to the overflowing sock drawer. Way too much hassle to change all those passwords. Just gonna let the problem atrophy through multiple failures to activate.



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

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



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

Here's Amazon's blurb:

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

Amazon Coupons
Promotion - should I make any requests?
Added on : Tuesday April 08th 2014 03:00:05 PM
g: 0 Posted By: snnistle
Views: 120 Replies: 0 I need some sage advice from any of you who have experience with this. I started with this company 2.5 years ago. I was promoted after 6 months and given a nice raise. 6 months later the owner gave me another above-average raise. Last week I was taken out to lunch by the owners of the company, and they offered me the position my supervisor currently holds. I would become an executive in the company, and the position will come with a 32%-35% raise in my salary.

My question is, are there any requests i should make before accepting the promotion? The salary is pretty much on point with the average salary for this position in the market where I live. I'm not sure what else to request, if anything, I just want to know if I'm overlooking anything that should be put in writing to protect my long-term interests. Thanks for any suggestions.
Personal Finance Deals
yet another job offer advice thread
Added on : Tuesday April 08th 2014 03:00:05 PM
g: 0 Posted By: Krazen1211
Views: 170 Replies: 5 Me: 27, financially stable, own a home. unmarried, no kids. Philadelphia metro. Without stating too much about my current occupation, I do IT work.

Job C (current): $82k base. $9k bonus (just paid). $10k vesting stock over 6 years. average 401k, mediocre health care. Expect 2-3% raises. 15 minute commute. Job is stable. Kind of lukewarm towards it. Decent work but some frustrating colleagues.

Job A (offered): $110k base offered (3% higher taxes here). No bonus. average 401k, free (employee) health care. No idea what to expect on raise. 45 minute commute. 1 day telecommute explicitly provided for (after 3 months). It's a subcontractor on a 3 year contract, but I don't look at things beyond 3 years anyway. Breezed through the interviews on Thursday and Friday, got a verbal offer within hours and written offer a couple hours ago. Requires DoD clearance, which I already have. I get the feeling they want me pretty badly. They've had my predecessor sitting on the bench for a while because he couldn't get cleared. They moved quickly

Job B (interviewing): 2nd round of interviews coming up this Friday. 45 minute commute They unfortunately move somewhat slowly.


Work is substantially the same in all 3 places. FWIW most of the jobs I've applied for have been in the $115k + bonus range.


What's the play here? I started interviewing elsewhere because I was coming up on the 2.5 year mark on job C and wanted to see what's out there in terms of money.


I tend to figure: Counter A with a figure in the high $120s or so, attend interview B on Friday and see how it goes.


Thoughts?


Personal Finance Deals
Help me write remodeling contract
Added on : Tuesday April 08th 2014 01:00:05 PM
g: 0 Posted By: mojoshtudd
Views: 76 Replies: 0 I am about to have my kitchen remodeled and have almost finalized the contractor who will do it. This was based on cost/materials/reviews/gut feeling after interviewing 5 contractors.
Even though I am happy with this guy, I want to make sure that the contract is written in a way that saves me headaches down the road. This is my first remodeling project, so I want to make sure I got everything covered.
FWIW, this is in Southern California.
Some of the points I think should be on the contract (based on Google search, asking around, in no particular order):

Payment schedule: 10% in the beginning, tiered payments at end of each milestone (demolition, cabinet installed, counter-top installed etc) and a final hold-back amount (~10-20%) to be paid upon completion and my acceptance.
A clause that protects added costs - any modifications that result in increased budget to be mutually accepted and signed before being implemented
Start and end dates. A clause that specifies what happens when work goes significantly beyond schedule.I don't know how to word this part.Should I put in a penalty clause for delays or reward clause for early completion. How much grace period to give him beyond agreed upon schedules? I don't want to hold him to the day and hour of the schedule but also do not want him to work on other projects and delay mine by a few weeks.
A clause to specify how to handle disputes. Should I put in a clause about binding arbitration to avoid court costs and time?
Protecting myself from liens: unconditional lien releases from all his subcontractors/vendors/employees that worked on my project prior to each of the payment schedules. My understanding is that this releases me from being sued by a sub-contractor because the general contractor did not pay him despite me clearing payment from my side.Is this typical in a contract?
A clause about damages, dust control etc while he works on the project.What is a good way to write this?Basically I want to make sure they protect walls, furniture etc from dust. Also do not damage my property etc. The guy is bonded and has insurance, workers comp etc - but do I need to specify that on the contract or do these things automatically kick in if he damages something or his worker gets injured.
A termination clause - something that lets me get out of the contract if I consider the work to be below expectation at any stage. Again, I don't want to be a dick about it and yank him if I get a better bid midway; but I also don't want to be on the hook if he is clearly headed down the wrong path
Warranties on work: I read that it is a good idea to turn down the contractors warranty. Apparently accepting it waives the state statutes which have better protection. This was counter-intuitive for me but would like some feedback from you guys. I am in CA.

Anything else I am missing?
I will update this thread as I get the actual contract in hand and negotiate with the contractor.
Real Estate Deals
Does anybody know what would make me ineligable for efile in CA?
Added on : Tuesday April 08th 2014 08:00:07 AM
g: 0 Posted By: cheezedawg
Views: 123 Replies: 6 I efiled my returns last night. Feds accepted it almost immediately, but CA rejected it. The only message they gave was "Problem: We are unable to process your state return electronically." No other details given- they just say I need to mail in a paper return.

Trying to avoid this. I've efiled for so many years I forgot how much of a pain it is to get all of the papers together to mail.


Tax Deals
Help getting my Money Pak money back
Added on : Tuesday April 08th 2014 08:00:06 AM
g: 1 Posted By: jojojones
Views: 78 Replies: 0 I bought a Money Pak Reload card for $500 a couple of days ago. Somewhere between the store and my car (2000 feet), the card was either lost/stolen. I called Green Dot on the day I discovered it was missing, and of course, they were closed. I called the next morning and was able to get a case started. Since it was a weekend day, the corporate office was closed and they couldn't start an investigation until Monday. Well, I talked to GD corp office today and it doesn't look good. The guy told me that the Money Pak was loaded onto an account (he wouldn't tell me if it was Paypal or another reload card) within 30 minutes of purchase and is now essentially depleted of funds. He gave me the usual crap that he couldn't release a name due to federal privacy laws but a police subpoena would be able to get the name. I filed a police report but the detective told me they don't pursue a case unless it has a value of at least $1000. Okay, so I know that now I am pretty much out $504.95. I know this is a longshot but does anyone have any ideas to get my money back?

Here is some info for people who find themselves in a similar situation because it is really difficult to find information. Call the Green Corporate office 1-866-652-4611 and ask to talk to a senior supervisor. M-F 9am EST - ppm EST.
Personal Finance Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 http://www.amazon.com/dp/B00IDHDHMK

5.0 out of 5 stars (9 customer reviews)

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

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

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

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

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

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

Ive written this book for you.

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

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

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

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

In short, I completely demystify the technology behind life as a digital nomad. By the end of this book, youll be armed with the technical knowledge, skills, equipment and tools to run your business from wherever in the world you happen to be.
Totally Free Deals
BlueBird transfer to bank account vanished
Added on : Monday April 07th 2014 03:00:08 PM
g: 0 Posted By: alexro
Views: 142 Replies: 6 Hello guys,

I really hope that somebody can give me some good advice on this. I have BlueBird account in my wife's name but I manage all the transactions.

Recently I initiated a large transfer $2.5k to our joint bank account at BofA. The transaction was initiated on April 3rd and was showing as pending at the top of the screen with the mention that it might take up to 5 business days to clear, no errors or anything.
Until last night it was still in processing status. I checked now and it disappeared. It's no longer showing as processing and it's not showing as completed either. The money no longer show up in BB, but they are not in the BofA account either.
$2.5k and all evidence of the transaction vanished into thin air. I can still do simple accounting and show that the balance on the account is missing $2.5k, but I don't know what to do.

First thought - have my wife call them, but she is traveling in Europe and won't be back until late May. She can email them if I can find an email address for support, but I don't know if they will accept that.
I could call, but I don't know if they will accept that either. Is there any chance of this resolving on itself. I also don't want to draw too much attention to the account either...

What can/should I do?

Thanks!
Deposits Deals
Direct Deposit Requirements with Bank Account?
Added on : Monday April 07th 2014 02:00:13 PM
g: 0 Posted By: publicuser
Views: 160 Replies: 2 I'm considering opening a new bank account. The account I am considering offers a good rate up to a certain amount and is with a local CU. I already have an account with another CU, but the rate at the new one is noticably better. However, the new CU has a number of requirements to get the good rate, and I have looked into them before and don't really care for their online banking. I much prefer that of the current CU. Specifically, setting up and cancelling ACH transfers is horrible/impossible through the new CU.

The thought crossed my mind to keep my current account AND open a new one. I'd stash money into the new one and do what I need to do to complete the requirements for the good rate. One of the requirements is to have direct deposit setup. I was considering continuing to use my current account for my DD and setting up an ACH transfer from CU to CU to attempt to fulfill the requirement. Will this work or does the transfer have to come from my employer? Can they tell?
Deposits Deals
g: 1 Posted By: remick
Views: 329 Replies: 1 http://www.amazon.com/dp/B008P1HGP8

Bill Gates, the founder and former CEO of Microsoft, has been a revered, and occasionally controversial, worldwide business icon for more than three decades.

Recognized by most as an ingenious visionary, and painted by some as a tyrannical, less-than-scrupulous empire builder, Gates has had an unignorable impact on the growth of digital technology in daily life over the past 30 years. Even his sharpest critics have to acknowledge the obvious: Gates helped spearhead one of the greatest revolutions in modern history by seizing on the importance of software to the rise of the personal computer, along the way turning an arcane, specialized technology into a commonplace tool for the office and home.

Gates has long been ranked as one of the worlds wealthiest men--which gave him a name recognition far greater than that of most CEOs--and businesspeople of all stripes have looked to him as a role model, using his words and business strategies to help create, inspire, and grow their own companies. After he stopped running Microsoft's day-to-day operations in 2008 to devote himself full-time to the Bill & Melinda Gates Foundation, a kinder, gentler Gates began to emerge. As a result, people actively involved in the philanthropic world, whether in professional, part-time, or personal capacities, began to develop a new appreciation for the man.

Bill Gatess second act is no less compelling than his first. And whether youre interested in his personal life or looking for inspiration to drive you forward in your own business endeavors, Impatient Optimist: Bill Gates in His Own Words has much to offer. As the tech giants who distinguished the turn of the 21st century shape public life in ways that outstrip the efforts of the previous century's titans of industry, we look to figures like Gates for inspiration as one of America's greatest business icons. This book will surely feed the world's curiosity about one of the most important leaders of the digital age.
Books Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 158 Replies: 0 Advance Auto Parts has aGear Wrench 8-pc. Reversible Ratcheting Combination Wrench Set for $29.99. Free in-store pickup or free shipping on orders of $75 and up. Note that this is not eligible for any coupon codes or other promotions.

​SAE Link(Contents: 5/16, 3/8, 7/16, 1/2, 9/16, 5/8, 11/16 and 3/4")
Metric Link(Contents: 8, 10, 12, 13, 14, 15, 17 and 19 mm)

Both sets have positive reviews on their product page.

The Patented Driveworks ratcheting box end needs as little as 5 Degrees of sweep to move a fastener; a standard 12-point box end wrench needs 30 Degrees , or 6x as much room; box end is 15& Degrees offset for knuckle clearance
Long bolts and threaded rods are not a problem for the Driveworks; the ratcheting head allows the wrench to travel the length of the threads without removing the box end from the fastener
The thin head and shank allow the Driveworks into the tightest areas
The Surface Drive box end configuration virtually eliminates the rounding of fasteners; by moving the contact points of the wrench back from the edge of the fastener, the area of flat contact is expanded, distributing the load over a wider area
Extremely strong, Driveworks ratcheting combination wrench meets or exceeds ANSI, DIN and federal torque specifications for standard professional combination wrenches
The Driveworks ratcheting combination wrench is a precision tool and is not intended to free frozen fasteners

GearWrench Deals

Advance Auto Parts Coupons
Timing of applications for credit cards / auto loan
Added on : Sunday April 06th 2014 10:00:08 AM
g: 0 Posted By: DrBison
Views: 133 Replies: 0 Hi,

I'd appreciate some informed advice. I've been urging my girlfriend for years to get a credit card and she hasn't followed through. She's relied heavily on her Visa debit card and hasn't grasped the importance of the differences between credit and debit cards. There was a period where she had a Macy's card that was also a credit card (as far as I know), but that was a source of a lot of confusion and in any case the card expired. She hasn't used much credit. She has been and still is paying a student loan and at some point she had a Care Credit account (don't know the status). I think that's about it.

I'm insisting that she get a proper credit card now. I think she should get at least 2 cards now while her finances are pretty good and she should be able to get them. The plan will be to pay in full every month. There's a possibility that she'll need an auto loan for a used car in the near future. And her finances need to get oriented around being able to get a mortgage in the next few years.

If she applies for 2-3 credit cards, what timing makes sense? Does applying for 2-3 cards on the same day have any particular advantages / disadvantages? How about same week? Month? Should she get one and wait a few months to apply for another? How would these applications affect applying for an auto loan?

I've described her credit utilization. I don't know what her credit score is. She doesn't have any defaults. No medical debt. At the moment she has good income.

If people want to recommend specific cards too, that's fine. I'll recommend to her to get something pretty straightforward. First and foremost I'll recommend that she get a Visa card. I'm thinking maybe the second card should be another kind.
Question Deals
Dominion Strategy Card Game - Amazon 24.99 FS w/Prime
Added on : Saturday April 05th 2014 11:00:05 AM
g: 0 Posted By: RedCelicaGT
Views: 182 Replies: 0 Amazon is selling Dominion, a strategy card game (there is no board), for 24.99. FS with prime.

This is probably one of my favorite games. It is relatively easy to learn, and has enough variation in it to keep it fun and interesting for a long time.

Linky
Tracktor Price History

=13pxFrom the manufacturer:
You are a monarch, like your parents before you, a ruler of a small pleasant kingdom of rivers and evergreens. Unlike your parents, however, you have hopes and dreams. You want a bigger and more pleasant kingdom, with more rivers and a wider variety of trees. You want a Dominion. In all directions lie fiefs, freeholds, and feodums. All are small bits of land, controlled by petty lords and verging on anarchy. You will bring civilization to these people, uniting them under your banner. But wait. It must be something in the air, several other monarchs have had the exact same idea. You must race to get as much of the unclaimed land as possible, fending them off along the way. To do this you will hire minions, construct buildings, spruce up your castle, and fill the coffers of your treasury. Your parents wouldnt be proud, but your grandparents, would be delighted.

Game Deals

Amazon Coupons
jcpenney.com Men's Dockers Hooded Anorak $49.99
Added on : Saturday April 05th 2014 11:00:04 AM
g: 0 Posted By: DaysFan
Views: 126 Replies: 0 Dockers Hooded AnoraklinkedWith a rugged, outdoorsy attitude, there isnt much to not like about an anorak. An attached hook and cozy fleece lining just makes it extra awesome.

attached hood
zip front with snap-close storm flap
4 snap-close front pockets
2 front side pockets
adjustable snap cuffs
fleece lining
approx. 29.5" long
nylon
washable
importedhttp://www.jcpenney.com/dockers-hooded-anorak/prod.jump?ppId=pp5002860177&cmvc=JCP|dept20000014|cat100250139|cat100560046|RICHREL&grView=&eventRootCatId=¤tTabCatId=®Id=


Clothing Deals

JCPenney Coupons
Dominion Game - Amazon 24.99 FS w/Prime
Added on : Saturday April 05th 2014 10:00:07 AM
g: 0 Posted By: RedCelicaGT
Views: 124 Replies: 0 Amazon is selling Dominion, a strategy card game (there is no board), for 24.99. FS with prime.

This is probably one of my favorite games. It is relatively easy to learn, and has enough variation in it to keep it fun and interesting for a long time.

Linky
Tracktor Price History

=13pxFrom the manufacturer:
You are a monarch, like your parents before you, a ruler of a small pleasant kingdom of rivers and evergreens. Unlike your parents, however, you have hopes and dreams. You want a bigger and more pleasant kingdom, with more rivers and a wider variety of trees. You want a Dominion. In all directions lie fiefs, freeholds, and feodums. All are small bits of land, controlled by petty lords and verging on anarchy. You will bring civilization to these people, uniting them under your banner. But wait. It must be something in the air, several other monarchs have had the exact same idea. You must race to get as much of the unclaimed land as possible, fending them off along the way. To do this you will hire minions, construct buildings, spruce up your castle, and fill the coffers of your treasury. Your parents wouldnt be proud, but your grandparents, would be delighted.

Game Deals

Amazon Coupons
Wheel Alignment cost?
Added on : Saturday April 05th 2014 05:00:17 AM
g: 0 Posted By: fatwallet21
Views: 102 Replies: 3 I have some rookie vehicle questions
1) how much is the normal wheel alignment cost?
2) should I go to the dealer or I can get this done anywhere? I have a Nissan, so wondering if I should go to Nissan Dealership for this or any mechanic

Thanks in advance
Question Deals
10 year old roof losing shingles - recourse?
Added on : Saturday April 05th 2014 05:00:16 AM
g: 0 Posted By: TheBeagle
Views: 74 Replies: 2 We've been losing anywhere from 1-10 shingles at a time pretty much anytime wind gusts get above 40mph over the past 5 years or so. House is only 10 years old, we bought it new. It was a spec house. In the past I've just been calling a roofer friend to come up and replace the shingles that blew off. I called the builder about it last year and he never did anything about it. I called him again a few weeks ago and he said he would come look at it and never did. We lost about 5 shingles over the past week that have not been replaced.

The roofing section of our contract states:
Roofing shingles to be GAF Timberline "Weather wood Blend" dimensional and includes a 30-year grantee.

When I spoke to the builder, he said he would get me info on who to contact from the manufacturer. He is trying to make this my problem.

Is he responsible for replacing the affected area (it is always one side above the garage)? How long should I give him to fix this? What should I do if he does not respond?
Question Deals
Amazon Board Game Sale
Added on : Saturday April 05th 2014 05:00:08 AM
g: 1 Posted By: kmsandrbs
Views: 271 Replies: 0 Gold Box Deal of the Day

For board gamers, here is an opportunity to pick up one (or several) new games at great prices.

Most (if not all) of these are fantastic games. Most of them are at (or below) their lowest previous price on Amazon (according to Camel Camel Camel for those I checked then I ran out of time). A couple might be cheaper elsewhere, so it wouldnt hurt to shop around, but for the most part, these are really good or great prices.Ticket To Ride by Days of Wonder
4.8 out of 5 stars (1,306)
Price: $29.99
Camel Camel Camel: lowest price on AZ by $2; has been a couple $$ cheaper elsewhere once or twice

Forbidden Island by Gamewright
4.6 out of 5 stars (547)
Price: $10.19
Camel Camel Camel: lowest price on AZ, been ~$1 cheaper elsewhere a couple of times

7 Wonders by Asmodee
4.7 out of 5 stars (414)
Price: $27.99
Camel Camel Camel: Lowest price on AZ; has gotten down to $20 sometimes at other sellers

Takenoko Board Game by Asmodee
4.7 out of 5 stars (98)
Price: $26.99
Camel Camel Camel: pretty much the cheapest its been anywhere

Dominion by Rio Grande Games
4.8 out of 5 stars (688)
Price: $24.99
Camel Camel Camel: Cheapest AZ ever, but has been below $20 from other sellers several times

Dixit by Asmodee
4.6 out of 5 stars (122)
Price: $18.99
Camel Camel Camel: Not quite the cheapest ever on AZ (but close); been down to $14 at other sellers

Rampage Board Game by Asmodee
4.4 out of 5 stars (15)
Price: $33.99 Camel Camel Camel: By far the lowest it has been on AZ; only a couple $$ cheaper a couple times elsewhere

SJG Zombie Dice by Publisher Services Inc (PSI)
4.6 out of 5 stars (251)
Price: $7.99
Camel Camel Camel: been cheaper on AZ and you can currently by for $1 less elsewhere

Puerto Rico by Rio Grande Games
4.7 out of 5 stars (210)
Price: $24.99
Camel Camel Camel: best price on AZ; looks like it has recently been selling for less elsewhere

Dominion: Big Box by Rio Grande Games
4.7 out of 5 stars (158)
Price: $53.99
Camel Camel Camel: Pretty much the lowest it has been (certainly on AZ, only $1 cheaper elsewhere)

Munchkin by Steve Jackson Games
4.6 out of 5 stars (285)
Price: $14.99

Tsuro of the Seas by Calliope Games
4.6 out of 5 stars (27)
Price: $23.99

Zombicide Base Game by Guillotine Games
4.7 out of 5 stars (131)
Price: $51.99

Tokaido Board Game by Passport Game Studios
4.6 out of 5 stars (23)
Price: $23.99

Eclipse Board Game by Asmodee
4.6 out of 5 stars (81)
Price: $49.99

Munchkin Zombies by Steve Jackson Games
4.7 out of 5 stars (82)
List Price: $24.99

Zombicide Season 2: Prison Outbreak by Guillotine Games
4.7 out of 5 stars (13)
Price: $56.99

Nations Board Game by Asmodee
4.7 out of 5 stars (10)
Price: $55.99

Axis and Allies 1941 Board Game by Wizards of the Coast
4.0 out of 5 stars (29)
Price: $18.99

Say Anything by North Star Games
4.5 out of 5 stars (165)
Price: $14.99

Koryo Card Game by Asmodee
5.0 out of 5 stars (1)
Price: $14.99

Diplomacy by Wizards of the Coast
4.5 out of 5 stars (56)
Price: $18.99

Walking Dead The Best Defense Board Game by Cryptozoic Entertainment
4.0 out of 5 stars (26)
Price: $23.99

Rise of Augustus Board Game by Asmodee
4.9 out of 5 stars (9)
Price: $21.99

Acquire by Wizards of the Coast
3.9 out of 5 stars (90)
Price: $18.99

Game Deals

Amazon Coupons
g: 0 Posted By: bippie
Views: 163 Replies: 0 Decent enough deal for San Francisco Bay Fog Chaser coffee pods from Costco.com: San Francisco Bay Fog Chaser Coffee Pods

160 pods are $51.99 plus tax. Shipping is included. I do not know if these are available in Costco B&M locations.

For those who don't know, these pods are not like the typical Kcups. They are not molded plastic so speculation is that the pods don't require a royalty payment to Keurig and therefore are less expensive.

These cups have a strong foil top with a mesh bag hanging from it to filter the coffee. I've tried these via previous deals on FW and the coffee is really good. The pods work fine in my Keurig machine.

This is Costco so you don't have much to lose. If you don't like the pods, you should be able to return them easily.
Food Deals
Preparation for getting Laid Off
Added on : Friday April 04th 2014 05:00:03 PM
g: 0 Posted By: Evilmagus
Views: 155 Replies: 3 My job announced that my department will be laid off in January 2015. Assuming I stay till the end, I'm trying to squeeze everything out of this opportunity FW style. This question is not about job searches / applying for unemployment, etc.

1) For 2015 max out my FSA contributions to 2500, then schedule some dental work, etc for January to use it all up before I am laid off. I should be contributing only $208 for $2500 worth of spending power.
2) For January 2015 max out my 401(k) contribution to max permitted under IRS regs (25% I believe) to push as much as I can into the 401(k) for the year. My next employer may not 401(k) participation for 6 months as is sometimes common. On the other hand this plan may backfire if I come close to maxing out my 401(k) limit for 2015 and then can't contribute / get the employer match at my next job.

Job also offers a dependent care account, but it cannot be pre-spent like the FSA. Job does not offer an HSA. Are there any other strategies that I am missing?
Question Deals
g: 1 Posted By: adam-i-am
Views: 324 Replies: 1 The title pretty much says it all. I started monitoring this on camelcamelcamel.com a few years back and viola!

Linkazon
Home & Garden Deals

Amazon Coupons
Lenovo H535 Desktop PC at Staples.com $304.90 or $75 off on Lenovos
Added on : Friday April 04th 2014 02:00:02 PM
g: 0 Posted By: SlyTech
Views: 426 Replies: 4 This is Quad Core CPU, very good for the money. Chip it self sells for $99 on Newegg.

AMD A8-5500 Processor
4GB DDR3 memory
1TB HDD hard drive

Item: 317772
Use coupon code 58019 for $75 Off. Brings it down to $304.90, add tax but also remember that Staples rewards members will get 5% back which pretty much covers all your tax.
Second option would be Item: 572606use same coupon as above and it will be $424.99 but i consider this one is a so-so deal.


Desktop Computer Deals

Staples Coupons
Lenovo H535 Desktop PC at Staples.com $304.90
Added on : Friday April 04th 2014 01:00:02 PM
g: 0 Posted By: SlyTech
Views: 100 Replies: 0 This is Quad Core CPU, very good for the money. Chip it self sells for $99 on Newegg.

AMD A8-5500 Processor
4GB DDR3 memory
1TB HDD hard drive

Item: 317772
Use coupon code 58019 for $75 Off. Brings it down to $304.90, add tax but also remember that Staples rewards members will get 5% back which pretty much covers all your tax.
Second option would be Item: 572606use same coupon as above and it will be $424.99 but i consider this one is a so-so deal.

g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Too many trivia and pub quizzing books in the market are focused on memorization of dry facts & obscure trivia. This book is different.It features trivia quizzes where you can work out each answer. And, if by chance you are unable to work out a particular trivia question, you will be left with a "Shucks! I should have guessed that feeling" once you see the answer.

Here is what some of the reviewers on Amazon had to say:

- The book is fun for two reasons. Firstly: it will provoke much discussion and guessing if you pull this out and play as a group or even a couple, let's say, on a long car trip, plane flight, a rainy night in a camping tent, or whenever it seems time is dragging. And secondly, answering these kinds of questions could help you guess the answer to high school or college test questions.
- Goes without saying from the number of stars I've given, the content is simply superb!
- This was an enjoyable and entertaining trivia book to read. The topics in the book make you think and they brought back a lot of memories. This would be a fun book to have with a group of friends and have one person read a question and have the group try to come up with the correct answer.
- What I really enjoyed about InQUIZitive is that questions are typically paragraph-length and give some background for the answer. I knew (or guessed) the correct answers for many questions, but even for the ones I couldn't answer, I learned some interesting tidbits.
- I am a fan of trivia and a history buff, so I enjoyed this book to the max. It gave me information about things I have never thought about in relation to trivia.

And here are three sample questions:

Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this persons job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

This book features multiple such questions that will leave you wanting more.You can rest assured that this book features trivia that is fun, entertaining & enlightening.


http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

http://www.amazon.com/dp/B00G0NN7QA
Totally Free Deals
Free Fish Keychain & Bottle Opener - FB YMMV
Added on : Friday April 04th 2014 04:00:11 AM
g: 0 Posted By: remick
Views: 96 Replies: 0 https://www.facebook.com/pages/Fishing-Deals/176958215802721?id=...

YMMV - I don't know much about this site
Totally Free Deals
Do I Need Collision Insurance? To Cover Business Rental Cars?
Added on : Thursday April 03rd 2014 05:00:07 PM
g: 0 Posted By: robronson
Views: 86 Replies: 0 My collision insurance is $140/year for a $1k deductible on a $6k car. That seems excessive. I have the liquidity to drop $6k on a new car in the time it takes to write a check. I've kept it because I travel for work 4 days a week and am in rental cars. My personal car insurance said my collision covers the rental car as long as it's under 30 days of a rental and I'm not actually using the car for business. Simply driving from the hotel to the client site isn't considered a business trip, per the phone CSR, and my personal car insurance covers me.

What I can't afford is crashing a 2014 rental car and writing them a check for $20k. I understand Visa/Mastercard offers a CDW which was really confusing to me but after reading wikipedia, makes more sense. CDW = Collision Damage Waiver meaning the rental car company waives the right to charge you for damages. It's NOT insurance. It's simply the rental car company "waiving" the right to sue you for damages. What I gather this to mean from Visa/MC is that by waiving the rental company's CDW (yes, you're waiving their waiver... >.< ) then Visa/MC will pay for any damages that might occur that the waived waiver might have covered, given additional restrictions on Visa/MCs part like possibly not covering hail damage.

I don't feel the need for $140 Collision damage on my personal car given I rarely drive it, I drive safe, and I can easily write a check for $6k to buy a new car immediately if necessary. To play the odds, I feel I'm significantly less likely than a 3% chance of totaling my car in the next year (which is $160 divided by the $5k they'd pay out after the $1k deductible). I'd rather bank the $140 because on a risk-adjused basis, it's free money to cancel the policy. It would be like a $10/hand blackjack table where you started each hand with one Ace. If you can afford to lose $10 then the odds are much in your favor to gamble as often as possible.

The downside is that I don't quite know if Visa/MC is enough to cover me, given I am driving $20k+ rental cars for approximately 250 days a year. I know AMEX offers $25/rental insurance but my clients won't pay for that and I'm not paying over $1k out of pocket to AMEX for the 50 rental cars I take out during the year.

I feel dirty paying for something that I really only need for business (the $140 annual personal collision insurance) but not being able to deduct it from my business income. It's the exact opposite feeling of using my business-deductible iPhone for personal calls (which feels amazing because it's 50% off given SE, State and Federal tax). Maybe I should find a business specific policy to cover me while in rental cars and deduct that off my income?

Or maybe my personal collision policy will be cheaper than any business policy, even if I can't deduct it as an expense, because the actuaries set the cost based on the $6k value of my car and not on the $20k+ rental cars I'm actually driving 80% of the time. In that case, maybe the actuaries are significantly underestimating their risk and it's "free money" for me (in spite of not being able to deduct it, ugh).

On a side note I have $300k/$300k liability personal insurance because that's not something to cheap out on. And I definitely can't cut a check for $300k.
Question Deals
New graduate starting a business
Added on : Thursday April 03rd 2014 04:00:06 PM
g: 0 Posted By: BloodyInsane
Views: 114 Replies: 0 This is my first time posting in FWF.
The gist of it:
I'm graduating with $19,000 in student loan debt and have a 6 month grace period I want to take advantage of. I have enough savings live and pay interest during the 6 months. So, during the grace period, I want to start multiple tech business, some with partners, some without. Good idea? Bad? Best course of action? General advice?

Details:
As far as personal finances go, I think I'm a little ignorant, but as far as business finances go, I know I'm pretty much in the dark. I'm graduating in May with a computer science degree from UC Berkeley. At the time of graduation, I will have accrued about $19,000 (principal+interest) in student loan debt, $11,000 of which is unsubsidized at 6.8% and $8,000 of which is subsidized at 3.4% with a 6 month grace period after graduation. It's not a trivial amount of debt but it's also not a mountain of debt either, and I have more than enough savings to live and pay off interest during the 6 month grace period before repayment starts. I have family and friends in the software industry, and currently have job offers on the table. Let's assume employment is not a problem.

I figured, during the 6 month grace period, it would be as good a time as any to pursue my multiple side projects more seriously and try to develop them into viable businesses. Once I start working a regular job and repayment kicks in, it doesn't seem like I will never get this opportunity again, especially if I work for a company with an Intellectual Property clause and anything I do becomes theirs anyway. For two of my projects, I have partners, so we would eventually form an LLC (or possibly an S corp). For my personal software projects, I am the sole developer and will likely outsource some non-coding work to independent contractors. As such, it seems like a sole proprietorship is the way to go until I bring in long-term partners and incorporate. I also occasionally develop games on the side, and would like to form a business through which I can publish those games, also likely to be a sole proprietorship, but it's not a rush. I can't get into details about the projects, but from a development standpoint, they require little to no capital, however, they are time-sensitive ideas that need to be executed ASAP (like anything else in tech) or we risk obsoletion/being beat to the punch.

From a high-level view, does the general plan make sense? I understand it's risky, and I've hung around FatWallet enough to know that there's probably a thousand things I'm overlooking. I'm just looking for general advice and to maybe get pointed in the right direction as far as looking for legal and financial advice, or to be told it's a terrible idea and to just get a job.

Discussion Deals
g: 0 Posted By: FW10001
Views: 86 Replies: 0 Previous thread was archived, so here's the news again.

Applicable to residents of much of Iowa* (see 42 counties below) and Univ of Iowa folks/alumni as well as relatives of members.

$50 to a referred new member and $50 to the referrer. This is a very good credit union, consistently ranked among the top in the country for returns to members. "For 11 of the last 12 quarters, UICCU's ROM rank was #1 out of over 13,000 banks and credit unions nationwide." Their RCA has 2.5% APY as of April 3, 2013 (http://www.uiccu.org/rates/rates-checking.html).
The fine print:Referred member must open a new Rewards, Free, or Basic checking account with an ACH automatic deposit or withdrawal (minimum of $100). $50 check will be sent to both parties 45 to 60 days after the new account is opened and it is determined that the automatic deposit or withdrawal is occurring and the account is active and in good standing. Active is defined as a minimum of 12 transactions per month. If after 60 days it is determined the new checking account is not active, bonuses will not be paid. Offer is void if referred person already has an existing UICCU checking account, one was open within the last 6 months, or they live in the same household as referring member. Limited time offer. Bonus cannot be combined with other UICCU promotional offers.

http://referuiccu.org/

The 42 counties:Benton, Black Hawk, Bremer, Buchanan, Butler, Cedar, Clayton, Clinton, Delaware, Des Moines, Dubuque, Fayette, Franklin, Grundy, Hamilton, Hardin, Henry, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Lee, Linn, Louisa, Lucas, Mahaska, Marion, Marshall, Monroe, Muscatine, Polk, Poweshiek, Scott, Story, Tama, Wapello, Warren, Washington, and Wright.
Deposits Deals
g: 0 Posted By: panderrose
Views: 160 Replies: 0 TaoTronics TT-CD03 2.7" TFT LCD Car DVR Video Recorder Camera, 120-Degree Wide Rear View Mirror, Bluetooth Hands-Free Calling for $69.99 @Newegg

http://www.newegg.com/Product/Product.aspx?Item=9SIA0WP0ZX6188

Built-in 2.7-inch TFT LCD screen, HD low illumination image sensor, with five recording resolution mode optional: 1920*1080 (1080P HD) / 1440*1080 (1080P) / 1280*720 (720P) / WVGA / QVGA.
120-Degree wide viewing angle lens, 360-degree adjustable, with 4 infrared LEDs night vision, it keeps recording your night drive when the LEDs turned on.
Bluetooth hands-free calling function for your cellphone, keeps you much safer when driving.

Cameras Deals

Newegg Coupons
How to find a good lawyer?
Added on : Wednesday April 02nd 2014 03:00:06 PM
g: 0 Posted By: bfreeman85
Views: 34 Replies: 0 I'm sure this has been discussed before, but I couldn't find much searching.

I'm getting married and looking for a lawyer to help with wills, POA and to review a family trust. I have no idea how to find a good lawyer other than a Google search and choosing at random. I don't have a lot of friends who use lawyers on a regular basis. Any tips?
Personal Finance Deals
How Do CC Grace Periods Work, After You Lost It?
Added on : Wednesday April 02nd 2014 05:00:13 AM
g: 0 Posted By: robronson
Views: 48 Replies: 0 I screwed up and was $5 short on paying a large CC balance down in full because I paid from several checking accounts, wasn't paying the full total due, only the "statement closing due". It's not the end of the world because it's not a "late payment", I paid the "minimum amount" on time. But it did cause me to lose the grace period on new purchases which cost me a few dollars in interest.

Once I realized that, on the following statement, I started paying the CC down on a daily basis. It's a card I use for reimbursable business expenses so rather than wait for my next paycheck to pay, which I usually do, I paid daily to keep the average daily balance down as low as possible. I didn't switch credit cards because this one gave me the best rewards so even owing a few dollars in interest, it's worth the $100 in rewards I'm getting per month.

My question is: when do I start getting the grace period back so I can stop paying daily? I overpaid my account so it has a slight negative balance (of $10), switched to another CC for the last few days to keep anything from dropping, and the statement closes today. So I'll have a $0 statement due balance for my April 2nd statement/closing date.

Does this mean my grace period is back immediately? Or do I need to wait until April 26th, which is the due date of my April 2nd statement, because on April 26th, I'll have "paid the statement balance in full, on time"?

This is the first time in my life I've ever not paid the full statement due amount on time and I feel stupid. Now I don't know how to fix it. If I just roll the dice and hope the grace period comes back tomorrow, then I'll owe $150 in CC interest based on my monthly business spend and high interest rate. That's why I don't want to just call customer service because if they are misinformed and tell me it's back, but it isn't, I'm on the hook for $150 and there's no way for me to see online until my statement closes, how much they are counting as a balance with interest accruing. I don't want to keep paying my bill daily for ever because there's still a small average daily balance that will get hit with interest and also it's a hassle. If I need to simply stop using the credit card for a full month until it resets, then I can do that but I'll lose $50 in rewards points since this pays much higher than my other cards.

Credit Deals
Best approach to evict roommates in a condo?
Added on : Wednesday April 02nd 2014 03:00:10 AM
g: 0 Posted By: evercl92
Views: 103 Replies: 3 I'll try to capture as much of the story here as I can. Though I'm sure I'll forget some details here and there.

Short Version:

Brother has two roommates in his condo, with a verbal lease that won't be recognized by the condo office. Need to evict them due to a bad situation. What's the best way to go about?

Long version:

My brother owns a 2 BR condo (paid off), lives by himself. June of 2013, roommate #1 moves in. The verbal rental agreement was $150 / month, includes utilities. Roommate has convinced my brother that my brother owes him money, through what I'll classify as blackmail, and for now, I don't see the point in fully disclosing. Anyway, that is why the rent is so low. Plus he sleeps on the couch (doesn't get the 2nd BR). October of 2013, mutual friend of their's moves into BR 2. The verbal agreement with him is $300 / month, includes utilities.

In December of 2013, my brother receives $1800 in cash from roommate #1 for "one year's worth of rent". This is the only money my brother has received the whole time. Roommate #2 pays roommate #1 the rent (my brother never sees it) as part of this "brother owes roommate #1 money" scheme. Brother also pays roommate #1 $400-500 / month. Also cash.

As you can imagine, to receipts for any of this.

Brother just recently (sorta) reached out to me for help, so this situation is still fairly new. Roommate #1 has some sort of complex and has essentially turned my brother into his servant and trapped him. Brother feels like there is no way out, scared to do anything about the situation (think abused housewife that just can't seem to leave the situation).

By the numbers:
Rent in: 1800
Rent owed:
Roommate #1 in case June wasn't a full month, I wont even count it. That leaves 9 months x $150/month = 1350
Roommate #2 in case October wasn't a full month, I won't even count it. That leaves 5 months x $300/month - 1500

We filed a 3 day notice to both roommates to leave the premises 3/25, gave them until 3/31 to leave. Of course, they did nothing. Filed for an eviction hearing on 4/1, court date 4/22.
We were looking through his condo-agreement paperwork and it states that the unit cannot be rented without a prior approval of the lease by the main office.

The main question here is:
Do we continue on with the court hearing as is, based on a 3-day non-payment of rent notice, knowing that the lease is (most likely) invalid?
or
Cancel all of the above, serve a 30-day notice to leave, then when they don't, re-obtain an eviction hearing? Thus not wasting the 3 weeks until the hearing on waiting, but instead serving out the 30-day notice period.

I'm sure the easy answer is lawyer-up. Of course, money is tight so trying to do what we can without adding that cost.

Any advice is much appreciated.
Question Deals
Bank of America 10% cashback @ staples exp 5/5/14
Added on : Tuesday April 01st 2014 02:00:06 PM
g: 0 Posted By: tommythe
Views: 245 Replies: 1 just make sure you select Staples in yourbank of America deals pageoffer expires 5/5/14 this just made my "stapling" so much more fun
Office & School Supplies Deals

Staples Coupons
Are Restocking Fees Legal without prior notice
Added on : Tuesday April 01st 2014 09:00:07 AM
g: 0 Posted By: kdjl1
Views: 188 Replies: 9 An ink company called and wanted my company sample their product. I informed them that we do not use much ink and it may take a few months to use it. The salesperson insisted that we would love their product and wanted to mail the ink. Unfortunately, we are not happy with the ink and want to return the remaining unopened ink cartridges. They informed me that we owed a $40 re-stocking fee.

This company is in California and we are in Tennessee. Based on my research, California companies are required to inform customers about a restocking fee prior to a purchase (in the store or online). We want to return the ink, but the company refuses to accept the product back, stating that they would not accept a products that are 60 days old. No where on the invoice does it indicate that there is a restocking fee or any other payment terms. What would you do in this situation? Should I just mail the ink back to the address printed on the invoice in hopes that they will accept the package?
Personal Finance Deals
The Annual Blood Test Super Sale Is On Now! Lef.org
Added on : Tuesday April 01st 2014 09:00:04 AM
g: 1 Posted By: DaysFan
Views: 269 Replies: 1 http://www.lef.org/
The Annual Blood Test Super Sale Is On Now!
Annual blood tests are far and away the best tool for heading off disease. And right now, during the Annual Life Extension Blood Test Super Sale, members can save up to 50% off the retail price on over 200 different blood tests and blood panels. Assess your cardiac risk factors, hormone levels, nutritional status, and much more.
Male PanelItem #LC322582Retail $400.00 $199.00 ea YOU SAVE 50%
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Female PanelItem #LC322535Retail $400.00 $199.00 ea YOU SAVE 50%
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Health Deals
Advice needed: Financing a new home before selling the existing
Added on : Tuesday April 01st 2014 04:00:12 AM
g: 0 Posted By: clouser
Views: 108 Replies: 0 I am looking for some guidance on how to purchase a new (used) home before selling our existing property. We have significant equity in our home, but with the market conditions, I expect we will need to forgo a selling contingency on the existing home to get an offer accepted on the new home. The new location is a much hotter market, and properties are selling within 24-48 hrs of listing. Our area is a good market also, but I could see it taking a couple months.

Does it make sense to apply for a large HELOC against the existing home, and use that as a down payment on the new home? Would us having an existing first and now second mortgage on the first home effect our ability to apply for a new mortgage? If we apply for the new mortgage first, would it effect our ability to get a large HELOC/HEL? Any other ideas how to best handle this?

Some numbers (all approx)

Combined income: Approx $225,000
Value of existing home: $500,000
Remaining loan on existing home: $200,000
Equity in existing home: $300,000
Existing mortgage+escrow payment is $2,800 a month (we had refi'd down to a 10 year mortgage with plans to have it paid off quickly, we had not been intending to move at the time)
New home price: $400,000 - $450,000 range

We have no dept at all other than our home. Cars are paid off, we have credit cards but carry no balances.



Personal Finance Deals
Planning to visit South India
Added on : Tuesday April 01st 2014 03:00:07 AM
g: 0 Posted By: swaroopa
Views: 29 Replies: 0 Hi I am Swaroopa,I do not know much about the places to visit in South India.Can you people please suggest some nice places,especially i wanted to visit the temples in South India like Madurai Meenakshi Amman Temple, Thirumala etc.And also I wanted the details like how to get there and how to stay there.

Question Deals
hsn.com $199 Honeywell True HEPA Air Purifier 2-pack free shipping
Added on : Monday March 31st 2014 10:00:06 PM
g: 0 Posted By: DaysFan
Views: 57 Replies: 0 http://www.hsn.comitem# 312-240HoneywellHoneywell True HEPA Air Purifier 2-pack
Retail value: $279.98HSN price: $249.95
Honeywell True HEPA Air Purifier 2-pack
The scent of freshly baked cookies spreading through the house is good. Tobacco smoke and pet dander wafting through the air? Not so much. These air purifiers help reduce the presence of airborne pet dander, dust, pollen and smoke particles, so you can breathe a sigh of relief. And enjoy some cookies.

What You Get
2 Air purifiers with True HEPA filter and odor-reducing pre-filter
2 Instructions/user information
Manufacturer's 5-year limited warranty$199.95
You save $50.00 today!or 5 FlexPaysof $39.99FREE SHIPPINGhttp://www.hsn.com
Appliance Deals

HSN Coupons
TaxACT Online Free Federal + State + eFile for Only $10
Added on : Monday March 31st 2014 12:00:02 AM
g: 0 Posted By: fivetalents
Views: 236 Replies: 0 TaxAct is currently offering their entry level free federal + state additional bundlefor $10 (normally $17.99):

-Free Federal.
-Prepare, print & e-file simple & complex returns free!
-Get your maximum refund guaranteed.
-100% accuracy guaranteed.
-Free tax help & audit support.
-State additional: finish your state taxes online in minutes. ($10 with this offer, normally $17.99)
-Pay when you file

You will receive an email confirmation that says "Your TaxAct Fees For TaxAct Online Free Federal Edition, your Federal Return is FREE and the State Return fee is $10.00. Additional State Returns are $17.99." You can also verify by going to My TaxAct -> My TaxAct Fees which will open a pop-up window that says "Federal Return is FREE. If you elect to add a State return, the fee is $10.00."

Notes: I was not able to apply this discount to my previous account (which already had the $12 ultimate bundle dealapplied to it) and had to create a new account. This may only work on existing accounts without any discounts or prices already locked in. Otherwise, if you discover a work-around, please post it. This entry level bundle does not allow you to import the previous year's return into a new account without signing up for the Deluxe Bundle which is "free to try and costs only $12.99 at time of filing." DON'T DO THIS UPGRADE: the Deluxe does not include state returns. The $12 ultimate bundle linked in the first sentence of this paragraph is a much better deal if you need to import a previous return file both federal and state (and want additional features such bonus free phone support, import prior year TaxActdata, maximize your deductions for donations, and extra calculators and reports).

Credit to B.D.

Services Deals

TaxAct Coupons
TaxACT Online Federal + State + eFile for Only $10
Added on : Sunday March 30th 2014 11:00:03 PM
g: 0 Posted By: fivetalents
Views: 60 Replies: 0 TaxAct is currently offering a pseudo Ultimate Bundle for $10 (normally $17.99):

-Federal return. (free with this offer)
-Finish your state taxes online in minutes. ($10 with this offer)
-Free e-filing. (both Federal and state)
-Free tax help & audit support.
-Bonus free phone support!
- Plus benefits of the Deluxe Bundle and free version (Get your maximum refund guaranteed, 100% accuracy guaranteed, Import prior year TaxAct data, Maximize your deductions for donations, Extra calculators & reports)
-Pay when you file

You will receive an email confirmation that says "Your TaxAct Fees For TaxAct Online Free Federal Edition, your Federal Return is FREE and the State Return fee is $10.00. Additional State Returns are $17.99." You can also verify by going to My TaxAct -> My TaxAct Fees which will open a pop-up window that says "Federal Return is FREE. If you elect to add a State return, the fee is $10.00."

Notes: I was not able to apply this discount to my previous account (which already had the $12 deal applied to it) and had to create a new account. This may only work on existing accounts without any discounts or prices already locked in. Otherwise, if you discover a work-around, please post it. Note that I refer to this as a "pseudo" version of their Ultimate Bundle because I was not able to import my previous year's return into my new account without signing up for the Deluxe Bundle which is "free to try and costs only $12.99 at time of filing." DON'T DO THIS, the Deluxe does not include state returns and the $12 linked in the first sentence of this paragraph is a much better deal if you need to import a previous return file both federal and state.

Credit to B.D.

Services Deals

TaxAct Coupons
Buy a Prius or stick with my Acura TL?
Added on : Sunday March 30th 2014 06:00:06 PM
g: 0 Posted By: rxgolfer
Views: 102 Replies: 1 I have an opportunity to buy a 2007 Toyota Prius Touring 78k miles for $8000 w/ Nav.
I currently have a 2005 Acura TL w/ Nav with 155k miles. I can probably sell for $7100 +/- $500. I already spent $5k on the TL due to unexpected transmission issues. Hopefully, no more major repairs as Acuras should be!
However, I just got a new job where I am paid $100 per day on food and hotel alone. In addition, i'm paid $20 hour hour to drive. In addition I get paid for gas (not sure what the rate is, but standard rate?). Not to mention my base hourly pay for my job.
I love my Acura TL as its a combo of beauty and power. However, i'm expected to drive to destinations 2-5 hours away weekly and maybe biweekly. My TL only takes premium gas. If I buy the Prius, I think I will save $2.5k alone per year. In addition, I may be able to profit a little off my gas compensation. What do you guys think? Trade in for a Prius?? Or keep the Acura? How much do you think I will save overall including what I pocket with gas pay? I estimate I'll be driving 20,000 miles per year? I spent $10k on the Acura + $5k in repairs. It kind of feels like a bad investment if I got rid of it now. But with $2k-$3k in savings per year, will it be?

I vow to never buy a new car though it is always tempting.

Personal Finance Deals
g: 2 Posted By: remick
Views: 230 Replies: 0 http://www.amazon.com/dp/B005OYUI3Q

4.5 out of 5 stars (31 customer reviews)

Practical Steps to a Deeper Faith
Sometimes faith demands action. This practical book gives Christians ideas for how to adjust their hearts to get closer to God.
Each chapter contains a unique challenge and a brief explanation that puts the challenge in context. Exercises include acts of service to others, extended prayer, Scripture memory, fasting, a day of gratitude, media fasting (no TV or Internet), evangelism, and much more. The challenges are broad in scope, allowing people with varying personality types and learning styles to benefit from them.



Woman Who Trusts God, A: Finding the Peace You Long For
http://www.amazon.com/gp/product/B005WVIUJK

4.9 out of 5 stars (16 customer reviews)

Our lives are filled with in-between times, those times when we are not quite where we would like to be (or where we thought we'd be). Dreams are on hold, prayers seem unanswered, and life can feel hard. And just when we think we have it all together, life happens again! During these times it can be difficult to see God in our situations and trust him with the future.
With empathy and wit, Debbie Alsdorf uses the book of Philippians to encourage women to lean on God, to live one day at a time, to rejoice and not to worry, and to give thanks to God in all
circumstances of life. The confidence and peace readers will gain from the perspective presented in this loving book will help them live fully in the moment, in every season of life.



Christian Poems - for Inspiration and Meditation
http://www.amazon.com/gp/product/B009ET1C8M

Christian Poems is a comprehensive compilation of religious verse from some of the finest writers in the English language. This book showcases a wealth of work from writers such as Shakespeare, Donne, Wordsworth, Blake, Byron, D.H. Lawrence, T.S. Eliot, Thomas Hardy and a host of literary greats. The poems provide food for thought and renewed significance in a world where the need to reconcile modern life with spiritual well-being is greater than ever before.



Dreams That Last: Building a rock solid foundation to pursuing dreams with a family
http://www.amazon.com/dp/B00I3J9TMK

4.7 out of 5 stars (15 customer reviews)

Dream chasing is difficult to do. Put in the responsibility of being a spouse and a parent into the mix and some days it feels pretty impossible. In this book I will talk about chasing dreams and visions for your life while you have a family. It is important to chase those things that have been put inside of you, but not at the extent of your faith walk or the health of you and your family. This book is all about laying a firm foundation. By firming up your foundation you will be able to reach your dreams quicker and it will be much more fulfilling. The great thing about Dreams That Last is it is not some theory. It is real life failures, defeats, and victory. Step into all that God has for you by chasing your dreams the right way!
Books Deals

Amazon Coupons
g: 9 Posted By: remick
Views: 1590 Replies: 1 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
g: 0 Posted By: remick
Views: 87 Replies: 0 http://www.amazon.com/gp/product/B00FMYYK6Y

4.9 out of 5 stars (18 customer reviews)

This is Tim's COMPLETE House Training Guide, not just housebreaking but everything to get your dog to behave well! It even includes the fundamental dog training skill taught at mygermanshepherd.org that the majority of professional dog trainers not yet have. "High Value Home" doesn't mean "for rich people only" - rather Tim's House Training Guide is dedicated to prudent dog owners who prize their precious belongings, as well as their dog.

Does your puppy or adult dog give you stress? Is your dog not using the crate voluntarily, barking 'too much', occupying your Coach, relieving inside the house, knocking over precious interior,...? Do you sometimes feel challenged by your dog's behavior or non-compliance? Feeling exhausted, or at your wits' end? Apart from emotional stress, dogs can also give us financial trouble too! Dogs that are not trained right can destroy the home when left alone at home. But locking away the dog all day is no solution either.

Here's where Tim's House Training Guide comes in: With this, you can give your dog FREE run of the house, even while you are away, and your dog will keep everything as nice as you expect. Tim's fans love that his training insight "is straight forward, there are no complicated manoeuvres, no acrobatics - just a couple of simple exercises - you could say it's using the kiss method. Very effective. Tim's got it beat!"

Do you really want to continue with the 1960ies dog training techniques the famous TV entertainer dog trainers teach you? Like hitting or kicking the dog, poking in the ribs, rattling by the collar, shouting, the threatening arm raised, choke collar or electronic 'training collar', or bribing and luring the dog with 'treat training'??

ALL of that is sooo yesterday! Say goodbye to that. And say goodbye to your troubles and worries with your dog or puppy too.
Books & Magazines Deals
g: 1 Posted By: NantucketSunrise
Views: 308 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

Apparentlythebreachwas announcedseveral weeks ago, but I had not heard about it until today, when Icame across some articles about it ona security blog. (However, I don't watch much US televisionnews.)

Sally Beauty Supply has stores located in every state (apparently around 2,600 stores total).

The data theft and sale of the data on the black market weresomewhat similar to the Target credit card breach, according tothe security expert.

The Sally companyoriginally admitted that the details from only 25,000 customer credit cards were stolen.The security expert wrote that he had reason to believe that the data of 10 times that many (250,000) cards were stolen, and that the data theft happenedfrom every Sally store across the country.

March 5th report: http://krebsonsecurity.com/2014/03/sally-beauty-hit-by-credit-card-breach/
March 17th report: http://krebsonsecurity.com/2014/03/sally-beauty-confirms-card-data-breach/
March 25th report: http://krebsonsecurity.com/2014/03/zip-codes-show-extent-of-sally-beauty-breach/

Update: The Sally company is now admitting that more than 25,000 cards were stolen (see my post below for an excerpt from their website), and are offering 1 year of free credit monitoring to the affected customers.

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
Trying to sell property
Added on : Saturday March 29th 2014 06:00:08 PM
g: 0 Posted By: Sania
Views: 135 Replies: 3 I am trying to sell a piece of land which I purchased while market was at the peak in 2005. Due to personal financial crisis I am trying to sell it. When I looked at the market rate, it seems that I am not going to get the purchase price. So to try to save some money from the realtor commission, I am trying to sell it myself. While looking up online I found few web sites which helps the people who wants to sell by themselves. Here is one example: http://www.mlsmyhome.com/. They will charge some flat fee to create an MLS number and add it to the master database.

I wanted to know from my fellow Fwers, does anyone sees any catch with this? It is too much work that a normal person can't deal with? Any feedback will be greatly appreciated.
Real Estate Deals
g: 0 Posted By: NantucketSunrise
Views: 178 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

Apparentlythebreachwas announcedseveral weeks ago, but I had not heard about it until today, when Icame across some articles about it ona security blog. (However, I don't watch much US televisionnews.)

Sally Beauty Supply has stores located in every state (apparently around 2,600 stores total).

The data theft and sale of the data on the black market weresomewhat similar to the Target credit card breach, according tothe security expert.

The Sally companyoriginally admitted that the details from only 25,000 customer credit cards were stolen.The security expert wrote that he had reason to believe that the data of 10 times that many (250,000) cards were stolen, and that the data theft happenedfrom every Sally store across the country.

March 5th report: http://krebsonsecurity.com/2014/03/sally-beauty-hit-by-credit-card-breach/
March 17th report: http://krebsonsecurity.com/2014/03/sally-beauty-confirms-card-data-breach/
March 25th report: http://krebsonsecurity.com/2014/03/zip-codes-show-extent-of-sally-beauty-breach/

Update: The Sally company is now admitting that more than 25,000 cards were stolen (see my post below for an excerpt from their website), and are offering 1 year of free credit monitoring to the affected customers.

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
Free Kindle Book- Helping Your Kids Be Creative and Change Their World
Added on : Saturday March 29th 2014 04:00:09 AM
g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
g: 2 Posted By: remick
Views: 347 Replies: 0 http://www.amazon.com/Rethinking-Internet-Things-Connecting-Ever...

Over the next decade, most devices connected to the Internet will not be used by people in the familiar way that personal computers, tablets and smart phones are. Billions of interconnected devices will be monitoring the environment, transportation systems, factories, farms, forests, utilities, soil and weather conditions, oceans and resources.

Many of these sensors and actuators will be networked into autonomous sets, with much of the information being exchanged machine-to-machine directly and without human involvement. Machine-to-machine communications are typically terse. Most sensors and actuators will report or act upon small pieces of information - chirps. Burdening these devices with current network protocol stacks is inefficient, unnecessary and unduly increases their cost of ownership.

This must change. The architecture of the
Internet of Things must evolve now by
incorporating simpler protocols toward at the edges of the
network, or remain forever inefficient. Rethinking the Internet of Things describes reasons why we must rethink current approaches to the Internet of Things. Appropriate architectures that will coexist with existing networking protocols are described in detail. An architecture comprised of integrator functions, propagator nodes, and end devices, along with their interactions, is explored.
Books Deals

Amazon Coupons
g: 0 Posted By: esoterica
Views: 277 Replies: 2 The Citi Prestige is now effectively a 1.6%/3.2% (dining) card if you can redeem TYPs for paid American Airlines and US Airways flights. Also now includes access to 40 different Admirals Club locations (including most major airports in the US) for cardholder and up to two guests. A nice way to differentiate the card, and combined with the $200/yr airline fee credits, makes the $450 annual fee much more palatable.

Email from Citi:

Beginning March 27, 2014, your Citi Prestige Card will feature two new benefits to make your travels all the more extraordinary.

Travel more with fewer ThankYou Points*
Your points are now worth even more when redeemed for American Airlines or US Airways flights than when redeemed for non-air travel, booked through the Citi ThankYou Travel Center.
For example, 50,000 ThankYou Points can be redeemed for a $500 hotel stay, or an $800 flight on American Airlines or US Airways (60% more value), or a $665 flight on any other airline (33% more value).*

To learn more about all the ways you can use ThankYou Points, visit thankyou.com

Enjoy a relaxing escape at airport lounges worldwide
For the first time ever, you can enjoy complimentary access to nearly 40 American Airlines Admirals Club lounges when you present your Citi Prestige Card and boarding pass.1
Plus enjoy access to a network of more than 440 Airport Angel airport lounges worldwide.2

To locate a lounge, visit aa.com/admiralsclub or airportangel.com/citiprestige

All of this is in addition to your existing benefits, including:
Up to $200 in airline fee credits3
A $100 Global Entry application fee credit4


Fine print for Admirals Club access:

Benefit applies to Citi Prestige primary cardmembers who are 18 years of age or older and are traveling on American, American Eagle Airlines, Inc. or an American Connection carrier flight number only. The primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. This benefit does not provide access privileges to US Airways clubs, Arrivals Lounge, or Flagship Lounge facilities, or other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges, including lounges operated by oneworld Alliance. To access the Admirals Club lounge, the primary cardmember must present (i) his or her open and valid Citi Prestige World Elite MasterCard, (ii) his or her current government-issued I.D., and (iii) any additional required documentation. Prestige cardmembers must present a stand-by ticket or boarding pass, showing an American, American Eagle Airlines, Inc., or an American Connection carrier flight number, valid for travel on such flight. To locate a current list of lounges please visit aa.com/admiralsclub. For more information, please see Admirals Club Access Privileges for Citi Prestige in the Citi Prestige Card Terms and Conditions at citi.com/citiprestige.
Credit Deals
g: 0 Posted By: esoterica
Views: 11 Replies: 0 It looks like the Citi Prestige is now effectively a 1.6%/3.2% (dining) card if you can redeem TYPs for paid American Airlines and US Airways flights. Also now includes access to 40 different Admirals Club locations (including most major airports in the US) for cardholder and up to two guests. A nice way to differentiate the card, and combined with the $200/yr airline fee credits, makes the $450 annual fee much more palatable.

Email from Citi:

Beginning March 27, 2014, your Citi Prestige Card will feature two new benefits to make your travels all the more extraordinary.

Travel more with fewer ThankYou Points*
Your points are now worth even more when redeemed for American Airlines or US Airways flights than when redeemed for non-air travel, booked through the Citi ThankYou Travel Center.
For example, 50,000 ThankYou Points can be redeemed for a $500 hotel stay, or an $800 flight on American Airlines or US Airways (60% more value), or a $665 flight on any other airline (33% more value).*

To learn more about all the ways you can use ThankYou Points, visit thankyou.com

Enjoy a relaxing escape at airport lounges worldwide
For the first time ever, you can enjoy complimentary access to nearly 40 American Airlines Admirals Club lounges when you present your Citi Prestige Card and boarding pass.1
Plus enjoy access to a network of more than 440 Airport Angel airport lounges worldwide.2

To locate a lounge, visit aa.com/admiralsclub or airportangel.com/citiprestige

All of this is in addition to your existing benefits, including:
Up to $200 in airline fee credits3
A $100 Global Entry application fee credit4


Fine print for Admirals Club access:

Benefit applies to Citi Prestige primary cardmembers who are 18 years of age or older and are traveling on American, American Eagle Airlines, Inc. or an American Connection carrier flight number only. The primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. This benefit does not provide access privileges to US Airways clubs, Arrivals Lounge, or Flagship Lounge facilities, or other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges, including lounges operated by oneworld Alliance. To access the Admirals Club lounge, the primary cardmember must present (i) his or her open and valid Citi Prestige World Elite MasterCard, (ii) his or her current government-issued I.D., and (iii) any additional required documentation. Prestige cardmembers must present a stand-by ticket or boarding pass, showing an American, American Eagle Airlines, Inc., or an American Connection carrier flight number, valid for travel on such flight. To locate a current list of lounges please visit aa.com/admiralsclub. For more information, please see Admirals Club Access Privileges for Citi Prestige in the Citi Prestige Card Terms and Conditions at citi.com/citiprestige.
g: 1 Posted By: BRIANW001
Views: 91 Replies: 2 Please dont flame I have searched forums and I have searched the internet and only found one posting on negative income due to NOLs

Hello Fatwallet group,I am seeking advice or insight on how to improve my chances for a First Time Home Purchase. Previously I was turned down to use large NOLs from a previous LLC. The LLC is now closed but my CPA says I must take the NOL write downs. NOL are due to run out in 2014 taxes which would be in mid 2015.I was previous denied a loan with 30% down FICO 800+ and 170k in annual dual income. Bank said I was a solid candidate but when the underwriters received the paper work theyjust kept stringing me along. My CPA said after talking with lender that bank does not want to make the loan. CPA said instead of denying you they will just keep asking for more paper work. I only applied to one bank and it was heartbreaking. With interest rates low this may be my last chance to purchase a home with a good fixed rate in an area I want my kids to grow up in.My Mortgage specifics.
Northern California Home estimated 650K loan 350k Down(yes this is the going rate for a home in this area)

Offering 30% - 35% down (seems like the banks dont care about this number as long as it is above 20%)
Fico 800+
Wife and my income 180K a year

Wife employed outside of family business (no gaps in work history)

I am employed by our family business for over 15 years (no gaps in work history)

Last year withdrew from all LLC membership. I am ona salary work with no ties to business doing the same work.
LLC are owned by siblings who live in another state
Income has been stable over past 3 years


Questions:
Since all NOLs (Net Operating Losses) are now passive what are my chances of getting a loan?
I have found that the loan officers do not speak to the underwriters as a security measure.

Does this mean my chances are determined by which underwrite I am assigned? My CPA says it is amazing how little underwriters know about actual finance and that NOLs actually provide refunds going forward on taxes.

Is there a way I can structure my information better, or talk to someone else at the bank I am trying to get the mortgage from?

I talked with mortgage bankers that say they talk to their underwriters is this a red flag? I heard this is not how the system works.

If anyone hashad asimilarexperiencesplease share them with me. It seems that theMortgageBankersstill so not knowexactly what the underwriters want,also some of themortgagebankers seem like they don'twant to spend time on mymortgagewhen they have easiermortgagesto originate. I hope now thatrefinancinghave droppedsignificantlythat they are more willing to work with more complexmortgages.

Thanks so much for any constructive advice.
Brian
Tax Deals
Financial Benefits of Marriage - what are they?
Added on : Friday March 28th 2014 07:00:13 AM
g: 0 Posted By: Rubl
Views: 172 Replies: 10 During last night's dinner with a married couple (we are not married), as always the question of our marriage came up. Usually, I just sidestep them, but this couple who is religious was on the mission to show all the wonderful benefits of marriage. I basically ignored whatever was said, not the first time we are preached about the Bliss of marriage, but that got me thinking - what are the financial benefits of marriage? I couldn't think of one! Neither of us has paid much into the social security system and we both have written wills. What else is there?
Question Deals
Paying credit card bills with MO's
Added on : Friday March 28th 2014 04:00:12 AM
g: 0 Posted By: njdealguy
Views: 36 Replies: 1 Hi,
Over the course of past few weeks, I've racked up nearly 35k in money orders from various spending to meet different credit card bonuses, such as the Citi AA Executive card with 100k bonus. Anyways, I'm too nervous to deposit all this into my bank account if it might get shut down, as I have even more money orders to soon buy and spend. How much would be too much to either walk into the bank branch (such as Citi or Chase) to pay these credit card bills using my MO's. Would paying 10k at once to pay 1 CC at a bank branch in a single visit be considered too much and can trigger a SAR? Would it be better to make multiple visits to bank branches and make partial payments rather than large payments at once?
Mushkin Chronos 2.5" 240GB SSD - $106 @ Newegg FS
Added on : Friday March 28th 2014 04:00:10 AM
g: 1 Posted By: ChinaRider
Views: 168 Replies: 0 Newegg Link

Posting this because the price per gigabyte is the lowest I've seen yet for an SSD in the 240GB category ($0.44 / GB), but also because I'm interested in opinions on Mushkin SSDs. Haven't seen or heard much of them...

Edit to add: 'Promotion' expires today...
SSD Deals

Newegg Coupons
Free hammock and unlimited $5.49 shipping @13Deals
Added on : Thursday March 27th 2014 04:00:04 PM
g: 0 Posted By: KevinD
Views: 377 Replies: 0 Good evening 13Deals customers! You must know by now that we love taking care of our existing loyal customers. With that being said... here is a little insider tip....

In a couple of hours, we are continuing our Spring celebration by giving away free hammocks! We wanted to let you know before the rest of the world. We don't want them to be gone before our loyal, awesome 13Deals Peeps get their share! In fact, the deal is available already for you via the link listed below. Oh, and some incredible secret deals are available during checkout, exclusive to only those getting the hammock, so don't miss out on those either! You are welcome to spread the word to all your friends and family. Share the love after all. Thanks for being you!

Anyways, here you go...
http://www.13deals.com/store/item.php?id=37141

Thanks so much for being a wonderful customer of 13Deals!
- Yours Friends at13Deals.com!

Important PS: Use coupon code HAMMOCK when ordering and get unlimited $5.49 sitewide shipping. Load up and enjoy!
Home & Garden Deals
Inheritance coming - What should I do with it? - Next Steps
Added on : Thursday March 27th 2014 10:00:10 AM
g: 0 Posted By: dd564
Views: 652 Replies: 11 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

Inheritance
I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoughts?

Mortgages are $1450 on the one we have
Personal Finance Deals
New Arrivals: MCM - Red Dual Stark Backpack Small
Added on : Thursday March 27th 2014 09:00:06 AM
Dual Stark Backpack Small is handcrafted in MCM»s signature Vestos motif in Red, in a style that is twice as much fun and does double the duty. Featuring pyramid studded detail in gold-plated and gunmetal, a detachable front pocket you can take with you as a clutch with wristlet, gold tone hardware, double tab zip closure, symmetrical constellations of gunmetal studs, snap front pocket, padded shoulder straps, internal zip pocket and slip pockets. Signature dust bag included.
Next Steps
Added on : Thursday March 27th 2014 05:00:17 AM
g: 0 Posted By: dd564
Views: 72 Replies: 0 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoguhts?

Mortgages are $1450 on the one we have
Personal Finance Deals
g: 1 Posted By: VivYip
Views: 197 Replies: 4 the ad is up on Staples website.

nothing much in hot deal yet other than the 20% coupon
Retail Coupon Code: 56229
Valid 3/30/144/5/14 in Staples U.S. stores only. Limit one coupon per customer. Cannot be combined with any other coupons. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, Epson ink and toner, HP ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.

paper related (maybe coupons to make it better)
$9.99AR 5-ream 990176 ($17 rebate) (limit 4)
$3.99AR Hammermill 8.5" x 11" Copy Plus copy paper, 500 sheets/ream (limit 4)
$25 off 2 10 ream case

ink recycling related
Spend $60 in HP ink or $200 HP toner, $4/recycled cartridge (limit 5)
Limit 5 per customer. Multipack toners count as one.
Valid 3/30/144/5/14: Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toners in one transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge

front page related
$279.99 576297 Toshiba laptop with Intel Celeron Processor
$29.99 917640 Staples 8-sheet compact cross-cut shredder

other
$99.99 887222 Brother HL-2270DW wireless laser printer (maybe use the coupon on it if possible to drop price to $79.99 OTD)
$19.99 Logitech M317 and M325 wireless mice

only if you must need these things?
$15 Staples letter/legal-size economy storage boxes,
$15 10/pack or Bankers Box, SmoothMove, 8/pack

cleaning related?
$5/2 Cloroxdisinfectant wipes, 35/pack - lemon scent
$5/2 Febreze air effects
$9.99 Charmin Basic bathroom tissue, 24 double rolls
$9.99 Bounty basic select-a-size paper towels, 12 large rolls
$5/2 Kleenex standard facial tissue, 2 boxes/pack (160 sheet ct/box)

Thank you for reading.
Office & School Supplies Deals

Staples Coupons
FREE $10 towards magazine subsription from Mercury magazines
Added on : Thursday March 27th 2014 04:00:02 AM
g: 0 Posted By: tommythe
Views: 21 Replies: 0 link to formNO CC required magazines thru blue dolphin site include field and stream seventeen car & driver red book and much more you have to fill out a short form~~Get $10 Gift Voucher for FREE!
...and find out what other FREE magazines you can receive.
Just follow these simple steps:
Tell us about yourselfYour profile will determine the magazines presented.Choose your magazinesSelect up to three magazines of your choice from the list.Complete subscription formsYour answers will be used to determine if you qualify.Specify delivery informationIt's that simple! Get your FREE magazines now!

Magazines Deals
Signed up for NY Exchange plan, now want to move to an off-exchange plan
Added on : Wednesday March 26th 2014 06:00:09 PM
g: 0 Posted By: Greatness
Views: 142 Replies: 0 I signed up for an EPO exchange plan, however, I am not liking it very much. It's an EPO with UHC, and I now have a PCP gate keeper. He's a nice doctor, however, every six months I need for him to re-approve my specialists I see. Plus, one one of the meds I take for hypertension is crazy expensive. I used to pay 10 bucks. It's now 70. I also have Nexium, which used to be 20 bucks, now its 175. I am also unsure of the deductibles in terms of what is covered, so in theory, we're on the hook for up to 11k each.

I wanted to switch to Empire Blue Cross'sEmpire Premier GuidedAccess plan which is not part of the exchange starting in May 2014 (since April I already paid for UHC). How do I go about doing this? I know open enrollment is still active until the 31st. Can I still an application with the off exchange plan and just not pay for the UHC so it cancels on April 2014? Therefore, on May 1, 2014 the new plan starts?


Question Deals
Dropping out of a PhD program - how to explain resume gap to employers?
Added on : Wednesday March 26th 2014 03:00:09 PM
g: 0 Posted By: magika
Views: 106 Replies: 1 I am strongly considering dropping out of my PhD program, but am concerned with how to explain the huge "resume gap" between my master's degree and now (4 years). I'm not actually dropping out because I'm not capable of doing the work, I am doing well on the metrics academics use to measure success (publications). The subject is in the public policy area, and the issue I am coming to terms with is that if I continue to graduation I am limited to academia and think tanks, and while policy has a lot more faculty openings than other subjects (especially when compared to the liberal arts) getting a tenure track job these days is a bit like winning the lottery. Also, the fact is I am looking at $50k starting salary and would probably cap out at the end of my career at $80k-90k. I am also not looking forward to the tenure and promotion process, which despite rumors of academics having it easy results in most people working 60 hours a week on their research for 5-7 years to get tenured.

My masters degree is from a highly ranked policy program and I am pretty confident I could use the alumni network and the name brand to get a public sector job without much difficulty, especially in my state. Of course, public sector jobs in my area (I could do any of the following: policy analyst, management analyst, economic development, personnel) also start out in the $50k range but I like the immediate job security, 40 hour a week 9-5 schedule, and the fact that senior management positions later on pay much more than I could ever get in academia. My concern is this: How do I explain to potential employers about my resume gap? I do have "work products" to show via my publications (4 peer reviewed articles, 3 book chapters, 10 or so conference papers) these are work products that are of limited value to potential employers unless its something like a legislative research office.

A side issue here is that I do a lot of part-time work as an arbitrator, which pays well ($2k for 1-3 days worth of work) but the work is completely unreliable (I made $25k from this last year, but the year before that it was only $10k). If I remain in academia I can still do this, although not while I am trying to get tenure, and over time I can raise my fees (senior arbitrators with 20+ years of experience charge double or triple what I do). Most public sector jobs would prevent me from doing this due to conflict of interest concerns and/or the 9-5 work schedule.

My options are:
(1) Continue for the PhD which will take 2-3 years, but limits my employment to academia or policy research organizations. I would then be "overqualified" for a vast majority of public sector jobs. Keep up the arbitration work which could be 50% or more of my salary in 10 years or so.
(2) Quit now and find some way to explain a multiple year resume gap, hoping the gap doesn't make finding a job impossible to do. Quit the arbitration work or limit my job search to positions that offer telecommuting and have no conflicts of interest with the type of clients I work with.

Edit: I forgot to add that I'm not paying anything for my PhD (you'd have to be crazy to pay for a PhD, in my opinion), so continuing down this path doesn't "cost" me anything out of pocket - its just opportunity cost.
Question Deals
Safest way to receive money from abroad?
Added on : Wednesday March 26th 2014 11:00:09 AM
g: 0 Posted By: PoodleMan
Views: 141 Replies: 5 I need to receive around 10,000 USD from Japan. I don't want to give the sender my bank account number and I would prefer not to use a service that offers the ability for the sender to clawback or dispute the transaction once made. Would xe.com or a similar service be a good fit? Though I would prefer to avoid fees, as much as possible, I'd prefer to be safe and not have issues down the road. Specifically, I don't want the sender to be able to screw me or have any more of my personal info than absolutely necessary.

In case there is any curiosity, I will be paying income tax on the amount received. I don't care how much of a paper trail is created, as I am not cheating the government out of a dime.

Anyone have any suggestions? Useful ideas? Warnings?
Personal Finance Deals
Free Junior Chef Kids Cooking Classes at Williams-Sonoma
Added on : Wednesday March 26th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.williams-sonoma.com/pages/store-events/store-events/j...

Easter Egg Decorating
Saturday, March 29 at 9:30am

Its that time to start dipping eggs in colors, adding glitter, sparkle and pizzazz to your Easter eggs. Join us and well teach you our favorite ways to decorate eggs.

Eggs Are Eggs-traordinary
Saturday, April 5 at 9:30am

Join us and learn some basic egg techniques from how to crack & separate, hard boil, scramble and make the most delicious egg sandwiches.

Easter Cookie Decorating
Saturday, April 12 at 9:30am

Decorating Easter eggs is fun but decorating and eating Easter cookies is much more tasty. Join us for a fun decorating class.

Making Fresh Pasta
Saturday, April 26 at 9:30am

Little hands are great tools for making fresh pasta from rolling to slicing join us and learn how to prepare fresh pasta and surprise mom on Mothers Day.
500 FREE SYW Shop Your Way Reward Points SEARS/KMart "Just Because"
Added on : Wednesday March 26th 2014 05:00:05 AM
g: 0 Posted By: schloop
Views: 84 Replies: 0 Sears and Kmart are having another SYW point GiveAwayFREE 500 Shop Your Way Points "Just Because" Sears/Kmart local Ads

Go visit the Local Ad on both Kmart and Sears sites and then scroll down and click on
"Points Give Away Just Because" 20,000,000 Point Giveaway

The first 10,000 members to view the LocalAd and click on "get started" will be awarded points to use 3/30/2014 thru 4/5/2014. Ask to redeem your points at checkout, in store or online. Limit one per member. Offer ends 3/27/2014 or sooner.

Congratulations!! You've just been awarded 500 points to use between 03/30/2014 through 04/05/2014 from KmartLocalad.com. Have a blast redeeming them! You'll always find the latest local deals right here, so check back often.Sears Local Ad
KMart Local Ad

Yes it is only 500 points for each site so if you redeem on both sites you get 1000 points = $1
Not much but its FREE.
The difference with this promo is that it seems you can get it each day. The other Free point promo's were limited to only once.
I received Bonus points last night (3/25) and was able to receive Bonus Points again today (3/26). you should be able to claim another 500 per site tomorrow (3/27) as well.
Services Deals

Sears Coupons
g: 0 Posted By: ArtieLange
Views: 117 Replies: 0 Gerber Bear Grylls Ultimate Survival Pack with Multitool, Flashlight, and Fire Starter $55.39 shipped WalMart

http://www.walmart.com/ip/Gerber-Bear-Grylls-Survival-Tool-Pack/...


Comes in a locking carrying case
Attaches to belts or backpack straps
Includes 12-component multi-tool, flashlight and fire-starter rod
Locking multi-tool features wire cutters, wood saw, needle-nose pliers, scissors, partially serrated knife blade and much more
Each tool has durable rubber handles
Suitable for any weather conditions

Sports & Outdoors Deals

Walmart Coupons
g: 13 Posted By: st4rdust
Views: 1003 Replies: 10 JLab Audio is offering a Grab Bag for $5.00 plus shipping. Shipping adds $2.50 per bag. You can check out via PayPal or credit card. Limit 3 per customer. 3 bags, including shipping, will be $22.50.

Click here
Enter "rockitout" for the password
Add to your cart and check out!


Possible products include new JLab Earbuds, Crasher Bluetooth Speakers, Bombora Headphones, VOLT chargers, Bouncers, Shakers and more. Includes one year warranty. No returns.


Note: This deal was announced via JLab's Facebook pagea few minutes before I posted this deal. I'm assuming that they made a separate site specifically for the grab bag, considering all the traffic it is receiving.

There's a good chance you'll be paying for what you get- that is, a decent price for a decent pair of headphones. Here's an Amazon searchfor "JLab Earbuds" - depending on what model, the value changes, but most pairs have 4+ stars.

The possible higher end items are worth much more than $7.50 - for example, the Crasher speaker is currently $59.98 with 4.2/5 stars on Amazon (link). The Bouncer is $95.49 with positive reviews (link) and a VOLT battery charger is $49.99 (link).

Bottom line is you'll be taking a chance, and the payoff could be very worth it Good luck!
Headphones & Speakers Deals
Internships for Finance Major in Jacksonville, FL Area
Added on : Tuesday March 25th 2014 02:00:14 PM
g: 0 Posted By: n5741
Views: 13 Replies: 0 Hello everyone, writing today to inquire about what you all think the best possible places to try and obtain an internship in the Jacksonville, FL area would be for sophomore majoring in finance. I am currently a sophmore at UNF (Swoop!) and have been trying to utilize CareerWings to the fullest, however, I feel that I am now at a wall and with summer approaching, I would like to try and lock something down quickly. I feel that a majority of the internship or job offerings listed on CareerWings are with less than stellar companies (NorthWestern, Blue Star Financial, etc.) for someone who is intending to major in finance that does not want to end up in the insurance business. So please any recommendations on where to look into would be much appreciated. Also I wanted to address a side point as well, if I have inevitably waited to long and a left myself to only intern at one of these sort of places, is it worth pursuing instead of a normal part time job?
Discussion Deals
Northwestern Mutual (help)
Added on : Tuesday March 25th 2014 10:00:14 AM
g: 0 Posted By: corporateclaw
Views: 100 Replies: 2 I will try and get as much "family nonsense" out of this post (though I do want to vomit a bunch of family nonsense on you guys here) -- basically my dad moved all/most of his retirement assets to northwestern mutual about a year ago. I'm not sure what he's in now, but it's mutual funds and investment-type things that I'm certain are not annuities. This was done because various safer investments at Vanguard were not generating "enough return" and through some sales pitch that his principal investment was "guaranteed" or protected in some way. My question is generally about that second part, I know of no way to have your principal guaranteed in this sort of investment (I know a high rate CD or annuity or something would have that protection, but I don't know how a mutual fund would have that protection). I know that NM could have that as some benefit, but I have been digging around on their site and don't see it.

So (1) does this exist and (2) I know that I"m being a little vague, but that's because I just found out about the move, so is there anything short of asking to see the current statements to figure out what/where he is that I can do?

The slightly longer story (with SOME family BS) is essentially that my parents literally no retirement savings about 7-8 years ago and myself and my wife helped them figure out how to put money together. Due to an inheritance and my mother passing away, the funds they had about 1 year ago are such that I would describe them in this way: My dad has enough money to live on until his death barring some major catastrophic event. Based on this, we put his investments in to safe, but not very aggressive Vanguard funds, because unless we dumped it all into some penny stock and he quadrupled his money overnight a couple times, there was no way that this could be increased to make up for some major catastrophic event (essentially any kind of growth that wasn't insanely risky seemed like it got him to the same place - enough money to live on unless there is a disaster, and any disaster would wipe it out barring an insanely risky investment, which would be more likely to wipe him out anyway). So about 1 year ago, I moved away from the city where my dad lives and less than a month after moving, brother in law (who used to work at NM) helped my dad move all of this into NM. I only found out because working on tax stuff my wife logged into his vanguard account and called me scared that he had been hacked since his account values were zero.

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
g: 1 Posted By: PatioFurniture
Views: 170 Replies: 0 http://www.musiciansfriend.com/stupid/ for the $49.99 One Day Only Price

http://www.musiciansfriend.com/condenser-microphones/mxl-910-voi... For the $99.99 Price with reviews

Can't find much else on it other than some youtubes.

CB Should work!


Music Deals

Musician's Friend Coupons
Cheers: Complete Eleven Season Pack (DVD) - $100.86 at Rakuten.com
Added on : Monday March 24th 2014 10:00:03 PM
g: 0 Posted By: Ayla
Views: 36 Replies: 0 Cheers-Eleven Season Bundle


http://www.rakuten.com/prod/cheers-eleven-season-bundle/20989789...




List Price: $198.99

Sale: $97.99 + $2.87 SHIPPING


EARN 98 Rakuten SUPER POINTS





FREE Shipping


It started with the world's most basic setup: a guy walks into a bar. From that sturdy concept, CHEERS served out 11 seasons worth of comedy about its beloved Boston watering hole and the stock characters who inhabited it: womanizing bartender Sam Malone (Ted Danson); effete psychiatrist Frasier Krane (Kelsey Grammer); mouthy barmaid Carla (Rhea Perlman); prim-and-proper waitress Diane Chambers (Shelley Long); and, of course, its lovable barflies--working stiff Norm Peterson (George Wendt) and mailman/philosopher Cliff Clavin (John Ratzenberger). Throughout its long run, the show lost and gained characters: fellow bartender " Coach" (Nicholas Colasanto) died after just two seasons to be replaced by country-boy "Woody" Boyd (Woody Harrelson). After Sam sold the bar, Kirstie Alley joined the cast as Rebecca, Sam's new manager and comic foil. He later reaquired it through a series of unlikely events, reversing their roles. For its long run, CHEERS stayed bubbly--remaining in the number one spot for its final season and striking a perfect note, with the lights dimming across the bar stools, for its much-watched finale. This collection presents all 11 seasons of the series.


45 Discs

COMPARE:
~~~~~~~~
$145.99 at Family Video
$135.98 at Amazon
$132.44 at Overstock.com
DVD Deals

Rakuten.com Shopping Coupons
g: 0 Posted By: st4rdust
Views: 168 Replies: 1 Amazon has Maybelline Great Lash Waterproof Mascara (Very Black) for $3.80 with free shipping when you checkout via Subscribe & Save. 3.8/5 stars based on 120 customer reviews.

I have used this and liked it, but I would say it is more volumizing than lengthening. It worked very well on my top lashes - bottom, not so much. It smudged more than other mascaras I have used.

Remember to cancel your subscription after your order ships to avoid being charged again!
Makeup Deals

Amazon Coupons
g: 0 Posted By: nwill002
Views: 70 Replies: 0 I decided to redeem my Southwest Rapid Reward Points for a trip to NYC for my fam of 4 on a 4 night trip. This is our first trip here and have not researched much about NYC yet but next step is booking a room for our trip in June. I'd like to be in a hotel in NYC within a reasonable distance to the subways. I have about 80K UR points which I just checked could be transfered into Hyatt gold points and redeemed at Hyatt Place New York/Midtown-South at a rate of 20K points per $329 a night for a total price of $1316. However I can also sell these points at a rate of 1.4 for $1120 so I'm essentially paying a discount of price of $1120 for a hotel that advertises for $1316.... seems like I can do better than this. My next step is to see what discounts I can find on the usual travel sites and Groupon. Any other suggestions for me to consider? thanks
Popular Destinations Deals
Betsey Johnson Anorak or Raincoat - $59.99 w/ FS @ Groupon
Added on : Monday March 24th 2014 03:00:03 PM
g: 1 Posted By: hellokitty27
Views: 164 Replies: 0 Groupon has Betsey Johnson anoraks or raincoats for $59.99 w/ free shipping. Assorted styles and colors, available in sizes XS - XL.

There really doesn't seem to be too much difference between the anorak and raincoat, except that the peplum on the raincoat is detachable.
Clothing Deals

Groupon Coupons
Curious on Mutual Funds...
Added on : Monday March 24th 2014 01:00:07 PM
g: 0 Posted By: hurricanedarby
Views: 85 Replies: 2 Hello everyone! I started playing the Mutual Fund game last year after my company let employees get into their mutual funds and they said they'd waive the sales charge (I can't say what company it is unfortunately). I got a great return last year (12% according to the final docs) and I'm getting rouhgly 6% so far this year. I don't know much about mutual funds though so I'm not sure if this is good compared to some of the other funds I'm seeing. What is everyone's opinion on the best funds at the moment? Also, is the sales charge being waived that important? I blindly thought so.....not sure if I was on the mark or not. Thanks!
Personal Finance Deals
g: 10 Posted By: remick
Views: 1164 Replies: 0 http://www.amazon.com/Fermenting-Book-Package-Vegetables-Probiot...

Get Two Excellent Books on Fermented Foods for One Low Price
The Fermenting Book Package offers two of the premier books on fermented foods for less than what it would cost to buy them individually.

Book 1: Fermented Foods: How to Ferment Vegetables

Do you want to learn how to ferment vegetables?
The fermentation process takes vegetables and turns them into probiotic powerhouses packed full of healthy microorganisms and enzymes. If you're looking to add probiotic bacteria to your diet, learning to ferment vegetables is a cheap and easy way to do it.
The following topics are covered in the beginning chapters of the book:
What lacto-fermentation is and what happens during the fermentation process.
The four items you need to get started.
The health benefits of fermented vegetables.
Vegetable fermenting basics.
A quick introduction to fermenting vessels, including the pros and cons of some of the more popular container types.
Weighting systems and why they're important.
The best types of salt and water to use.
Starter cultures and why they aren't always necessary.
How to tell when vegetables are done fermenting.

This handy guide contains more than 35 recipes, including step-by-step directions detailing how to make the following fermented vegetables:
Asparagus.
Fermented shredded beets.
Beet kvass.
Beet kanji.
Brussels sprouts.
Cultured cucumber salad.
Curtido.
Curried cauliflower.
Dilly carrots.
Dilly beans.
Probiotic ketchup.
Kimchi.
Kohlrabi pickles.
5 different types of sauerkraut.
Fermented cherry tomatoes and green tomatoes.
and more.

A number of common problems encountered during fermenting are covered at the end of the book, including mold, slime, cloudy substances at the top of the brine and vegetables that smell rotten, taste funny or go soft.

Book 2: Paleo Probiotics: Fermented Foods for the Paleo Diet

This book is a great introduction to probiotic foods for both Paleo and non-Paleo dieters.
Traditionally, the human diet consisted of fresh foods in their natural form, free of harmful chemicals, pesticides and processed flours and sugars. Pretty much every food we ate was packed full of probiotic bacteria that helped balance the bacteria levels in the stomach and small intestines. These probiotic foods don't just promote good gut health, they free up the immune system to dedicate resources to other areas of the body, leaving you healthier and happier as a result.

Fermented foods and beverages are natural sources of probiotic bacteria that can be eaten to resupply the body with the bacteria it needs.

This book is your guide to adding probiotics to the Paleo Diet. The following topics are covered in this helpful handbook:
A brief chapter that lays out the framework for the Paleo diet and why it's a good choice for many people.
What probiotics are and why they're important.
Fermented foods and the lacto-fermentation process.
The basic supplies you need to get started (along with some supplies that aren't required, but will make life easier).
Choosing the right type of container to ferment food in.
Choosing the right weighting system for your container.
Natural salts and sugars that work well for fermenting.
Two methods that can be used to create brine solutions.
What starter cultures are and why some may not conform to the strict Paleo diet.
How to tell when your food is done fermenting.
Storage of fermented foods.
and more...
Totally Free Deals
Looking to purchase my first used luxury vehicle with financing.
Added on : Monday March 24th 2014 06:00:17 AM
g: 0 Posted By: Run2You
Views: 826 Replies: 27 Hey guys,

Long story short, I am a new grad and I have been fortunate enough to receive a job offer in silicon valley. I plan on relocating in May/June and I plan on purchasing a used car. I've always been a car guy and it has always been one of my dream to own a Porsche and I really want to try and see if I can make that happen. (Nothing crazy - 09+ Cayman S or just non-S which costs about 30k-40k with reasonable miles)

Before I get in to that, here is where I am at financially.
I will be making 6 figures this coming May/June.
No / very little student debt by May/June (< $10k)
Scored 740 in recent credit check.

I know purchasing an expensive car isn't the smartest thing to do for someone who's starting off, but I worked my butt off throughout college and paid for my education so I want to say I deserve a reward for achieving such a big milestone in my life. I've been mostly eyeing at 09+ Caymans with about 30k miles primarily because earlier models have an oil starvation problem and I want to experience trouble free experience for a while. I have a GTI that I pretty much built from the ground up so I know enough about cars to maintain it myself. (I plan on leaving the old car at my parent's garage as it accumulated enough mileage that it's worth next to nothing if I were to sell now and it is my first car I purchased with my own savings in high school so it has the extra sentimental value)

Anyway, back to the topic, if I were to go with this plan and purchase a used Porsche for around 30-40k, what would be the best way to achieve the latter? I plan on financing the car and pay it off as fast as possible, but since I am new to financing used cars, I am unsure how much I should allocate for down payment and etc.

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
g: 1 Posted By: VivYip
Views: 229 Replies: 0 Staples has this mouse for $19.99 with free shipping for rewards members.

Logitech M500 Corded Mouse
amazon's link (same price, but F/S for prime)
Item: 814634 Model: 910-001204
Hyper-fast scrolling
Click-to-click mode
1000 dpi laser precision
Scroll-mode switching
Forward/Backward buttons
Side-to-side scrolling with optional software
Soft side grips and a contoured design
Plug-and-play USB

Logitech is a reputable brand...the reason I posted this was because Staples usually has this item for $29.99. Hope this might help someone who like corded and Logitech (I like Logitech and microsoft when it comes to mice, but I haven't had much chance to find corded Logitech mice deals)

hope this might help someone and thank you for reading this post.
Keyboard & Mouse Deals

Staples Coupons
g: 0 Posted By: remick
Views: 50 Replies: 0 Accounting: An Introduction: Pearson College [Print Replica]
http://www.amazon.com/Accounting-Introduction-Pearson-Eddie-McLa...

Accounting: An Introduction is renowned for its clear, accessible and uncluttered style. It provides a comprehensive introduction to the main principles of financial accounting, management accounting, and the core elements of financial management. With a clear and unequivocal focus on how accounting information can be used to improve the quality of decision making by managers, combined with a strong practical emphasis, this book provides the ideal grounding for a career in management.



Economics: Pearson College [Print Replica]
http://www.amazon.com/Economics-Pearson-College-John-Sloman-eboo...

The Eighth edition of Economics contains the most up-to-the minute coverage and uses the latest data to track and analyse the impact of the global financial crisis on our economy.
Economics is popular for its active learning and student-friendly approach, and the new edition retains its classic features that provide a solid foundation for the study of economics, while covering much of the recent turmoil in the economy.
Books & Magazines Deals
Looking to purchase my first used luxury with financing.
Added on : Sunday March 23rd 2014 09:00:07 PM
g: 0 Posted By: Run2You
Views: 144 Replies: 1 Hey guys,

Long story short, I am a new grad and I have been fortunate enough to receive a job offer in silicon valley. I plan on relocating in May/June and I plan on purchasing a used car. I've always been a car guy and it has always been one of my dream to own a Porsche and I really want to try and see if I can make that happen. (Nothing crazy - 09+ Cayman S or just non-S which costs about 30k-40k with reasonable miles)

Before I get in to that, here is where I am at financially.
I will be making 6 figures this coming May/June.
No / very little student debt by May/June (< $10k)
Scored 740 in recent credit check.

I know purchasing an expensive car isn't the smartest thing to do for someone who's starting off, but I worked my butt off throughout college and paid for my education so I want to say I deserve a reward for achieving such a big milestone in my life. I've been mostly eyeing at 09+ Caymans with about 30k miles primarily because earlier models have an oil starvation problem and I want to experience trouble free experience for a while. I have a GTI that I pretty much built from the ground up so I know enough about cars to maintain it myself. (I plan on leaving the old car at my parent's garage as it accumulated enough mileage that it's worth next to nothing if I were to sell now and it is my first car I purchased with my own savings in high school so it has the extra sentimental value)

Anyway, back to the topic, if I were to go with this plan and purchase a used Porsche for around 30-40k, what would be the best way to achieve the latter? I plan on financing the car and pay it off as fast as possible, but since I am new to financing used cars, I am unsure how much I should allocate for down payment and etc.

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
Need help planning 6-12 month travel dream
Added on : Sunday March 23rd 2014 07:00:09 PM
g: 0 Posted By: travelguy28
Views: 22 Replies: 0 I started my first post-college/salaried job last year and make ~$60k annually in a very low COL city. My plan is to work for another ~2 years to save enough money to travel around the world for 6-12 months. I should have almost $30k saved and am budgeting $100/day to spend while traveling.(In reality, it will probably be $30-$50/day in cheaper countries and $50-$100/day in more expensive countries. The $100/day budget is to account for air travel and all misc expenses.)

I am most concerned about planning for after the trip is completed. How much should be saved for when I return home? Does 6 months worth of living expenses sound reasonable? I will need to find a new job so this may take some time. I might ask my current employer for a LOA but they probably won't accept this.The other thing I am worried about is health insurance. I should be covered by parents health insurance for the duration of the trip but will turn 26 after returning home and no longer be covered.

What else should I be considering besides the fear of not finding a new job and hurting my career?
New User Question Deals
g: 0 Posted By: remick
Views: 134 Replies: 0 Koenigsegg One:1 for Need for Speed Rivals for PC
https://www.origin.com/en-us/store/buy/nfs-rivals-2014-/pc-downl...

The Koenigsegg One:1 is in a category of its own. It's not a Supercar, not a Hypercar, It's a One:1. The name refers to the almost impossible and highly sought after ratio of one horsepower per kilogram. Nothing can challenge it. In short: it's the fastest, most powerful and most agile production car ever conceived
-And it's registered for road use


Nissan Leaf for SimCity for PC and Mac
https://www.origin.com/en-us/store/buy/simcity-2013-/mac-pc-down...

Driving electric has never been easier for your Sims with this free charging station from Nissan! Add up to five charging stations per city and watch as your Sims begin driving around in the 100% electric Nissan LEAF.
Your Sims arent the only ones who can drive electric. Check out the NissanUSA.com savings calculator to find out how much you could save with the 100% electric Nissan LEAF.


Speed Hunters and Legends Packs for Shift 2: Unleashed for PC DVD, Origin, and Non-Origin Copies
https://www.origin.com/en-us/store/buy/nfs-shift-2/pc-download/a...
https://www.origin.com/en-us/store/buy/nfs-shift-2/pc-download/a...
https://www.origin.com/en-us/store/buy/nfs-shift-2/pc-download/a...

Take your Shift 2: Unleashed experience to the next level with the DLC Pack download. The DLC pack delivers dozens of new cars and five new tracks directly to your PC. Inspired by the classic cars from the golden age of racing, each vehicle is accurate down to the last nut and bolt. Take control of an Alfa Romeo, Porsche Carrera or Ford GT40. Slam the straightaway on the Monza Formula One track, or tackle the curves at Germanys Hockenheim raceway. Download directly to get started right away, with unparalleled detail and white-knuckle handling that exemplifies the Speed 2: Unleashed game.

Once youve added new cars to your garage, test them out with two new modes of racing. The Drag mode challenges you to a contest of pure speed. Shift gears manually as you burn a quarter mile of rubber in pursuit of the finish line, and challenge drag racing champion Chris Rado in his Pro-FWD Reaper SCION tC. Then switch over to the Standing Mile race, an all-new racing challenge that stresses a flat-out rush of adrenaline as you hit the gas and watch the RPMs climb. Choose your vehicle and rev your engines. The Shift 2: Unleashed DLC Pack turns your PC into a high-octane driving machine!
Toys, Games,& Collectibles Deals
g: 0 Posted By: remick
Views: 100 Replies: 0 http://www.amazon.com/dp/B008LW7DQ8

L.A. Secret Police. Inside the LAPD Elite Spy Network is a New York Times and Los Angeles Times Bestseller. This incredible non-fiction book rips the lid off the LAPD and exposes the reader to its dark underbelly of corruption during the reign of Chief Daryl Gates. L.A. cops ruined lives and reputations, inflicted mindless brutality, committed murder and engaged in massive cover-ups. In Los Angeles, police corruption was much more than unmarked envelopes stuffed with cash. It was a total corruption of power. For decades LAPD engaged in massive illegal spying and lied about it. Its spying targets included politicians, movie stars, professional athletes, news reporters and anyone wielding power or those of interest to Daryl Gates. Incredibly, the spying targets included a Director of the Central Intelligence Agency, a Secretary of Defense, a current Governor and the President of the United States. It all happened in Los Angeles.

Detective Rothmiller is the modern-day Frank Serpico; he exposed the tentacles of corruption which reached to the highest levels within the LAPD and Washington D.C. It wasnt long after that an assassin attempted to take his life. It was apparent to many that powerful forces wanted him silenced. Incredibly, in this book Detective Rothmiller names names! See why this book changed the LAPD and is required reading at many universities. As former Assistant United States Attorney Marvin Rudnick said, Rothmiller was in a position to know. He did very sensitive work.

Every book has an ending. However, the ending of this book will shock you. Within the new epilogue is a multi-page essay written especially for this updated book by Pulitzer Prize winning journalist David Cay Johnston. In it he describes his personal experience as a Target of Daryl Gates illegal intelligence operations while he served as a Los Angeles Times reporter. Youll also read the challenge posed by detective Rothmiller to the LAPD. A challenge LAPD has refused to answer.
Books & Magazines Deals
How to get cheap internet connection in a Midwest small town?
Added on : Sunday March 23rd 2014 01:00:07 PM
g: 0 Posted By: ussrfw
Views: 119 Replies: 5 I just relocate to Hampton IA, a small town of 4400 population.
I rent a small house in town, wonder how to get cheap internet connection. (The neighbor wireless internet networks have password.)
I have only 1 laptop, can go online either by cable or wireless.
Usually I onlydo email, online bank, billpay, webpages readingonline. Sometimes I watch online TV.
What kind of Internet connection service I should purchase? (1.5 Mbps, 3 Mbps, 7 Mbps?)
Which company I should choose? (I see T-Mobile, Verizon, CenturyLink office in town, but the doorsare locked. Maybe they only open 1-2 days per week.)

Thank you very much!

Question Deals
North Dallas-Real Estate-Worth?
Added on : Sunday March 23rd 2014 11:00:09 AM
g: 0 Posted By: cognocube
Views: 117 Replies: 1 Hello,
-We are young couple and a family of 3! - Both in IT consulting- HHI ~150k. We hve about $40k saved for a down payment
-Are contemplating on purchasing a property in north Dallas suburbs - McKinney, Allen, Murphy or generally north of or near Plano TX.
-Are seeing all our known friends and acquaintances buying/bought new 3500+ sq.ft houses in this area in the 400k+ price range (new homes)
-Are also seeing re-sales homes (~10yrs old) in same sizes for about $300k
-New homes have a relatively smaller lot and not sure how the neighborhoods and schools are yet say at Allen or McKinney etc.
Questions:
-Is it justifiable to buy a new property dropping about $450k (that's what is final cost as of yesterday with Khovanian, First TX, Grand, Pulte etc) for a 3500 sq.ft home.
-it looks like the market is hot for the new homes and builders are almost sold out in many locations!
-will these homes hold value in the future
-Does these Dallas suburbs have a strong economy to support these prices?
-How easy or hard will it be to sell these homes if it needs to be?
-Does a family of 3 need a 3500+sqft home or it it too much for us?r we trying to keep up with the jones?

In a nutshell we will be thankful for a general opinions on buying new homes in these suburbs of TX both from an investment and personal property perspective.

Personal Finance Deals
Free Kindle Book- Mastering Digital Photography
Added on : Sunday March 23rd 2014 07:00:05 AM
g: 14 Posted By: remick
Views: 1317 Replies: 3 http://www.amazon.com/Mastering-Digital-Photography-Jason-Youn-e...

4.8 out of 5 stars (12 customer reviews)

Award winning photographer Jason Youn teaches photography in a way that anyone can understand. This book is filled with information presented in a concise manner, the illustrations are simple & direct, the instructions and personal stories are invaluable, & his years of photographic expertise are evident in the advice he gives.
Youn perfectly merges the science, art, history, and joy of photography.

Learn all about:
-Exposure.
-f/Stops and Aperture.
-Shutter Speed and ISO.
-White Balance and Color Temperature.
-Lenses.
-Focus.
-The rules of art.
-Framing.
-Color & Brightness.
-Lighting.
-And much more.

Included in this book is a great section on situational tips and tricks so you and your camera can be ready to capture that once in a lifetime moment before it's gone forever.



Books & Magazines Deals
g: 0 Posted By: remick
Views: 150 Replies: 0 http://www.amazon.com/dp/B00DYFHTN4

4.4 out of 5 stars (9 customer reviews)

"In order to take control of your health I recommend you make an attempt to grow your own food the Beyond Organic way."
--Jordan Rubin, NMD, PhD, New York Times Bestselling Author, Founder--Garden of Life
> Learn why most farms and gardens, even if certified organic, produce food which is not nutritious enough to keep you healthy, but by understanding the secrets of how foods can be grown to maximize their health-giving properties, you will be empowered to Create Health from the Soil Up!

> Discover an amazing and revolutionary new insight which explains why 45% of Americans have a chronic disease and how you can avoid this awful fate through totally natural means so you can enjoy Vibrant Health.

> Understand the surprising, underlying reason why 2/3 of American adults are overweight or obese, and how this problem can be overcome so one can enjoy their Ideal Body Weight.

Our foods have lost up to 70% of some nutrients in the last 70 years. Even organic foods have little more nutrient density than those conventionally grown. This loss of nutrition may explain, at least in part, our increasing health concerns. Whatever your goals and dreams in life, all will be more easily achieved when your body and mind receive the best nutrition from optimally-grown foods.

Learn how the Beyond Organic Growing System (BOGS) can produce Nutrition Grown foods, with many times the nutrient content of typical produce. See independent, third-party laboratory analyzed comparisons of Nutrition Grown foods vs. USDA food nutrient database listings. This book also brings you cutting edge research on how fruit growing methods can effect blood glucose levels in humans.

Plants must receive the optimal nutrition they need to be able to express their full potentials to create large arrays of health-giving phytonutrients. In turn, people and animals who eat these Nutrition Grown plants receive the phytonutrients they need to help them express their full potentials.


How To Produce 15-25 Pounds Of Tomatoes PER PLANT
http://www.amazon.com/dp/B003ES5OLK

Written by Horticulturist Tommy Smith, "How To Produce 15-25 Pounds Of Tomatoes-PER PLANT" offers the home gardener fifteen time tested and practical tips and secrets for growing bountiful harvests of ripe, juicy tomatoes.

In this guide you'll learn:
How to prepare your garden area and soil
How to use mulches to manipulate soil temperature
How to extend your growing season with free materials
The one tomato variety that consistently outperforms all others
An old secret that actually helps produce more tomatoes (aka: a wives tale with scientific merit)
Plus much more!

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!


Modern Rustic: Starting an Orchard: A homesteading guidebook for growing fruit trees, berries, grapes and nuts
http://www.amazon.com/Modern-Rustic-Starting-homesteading-guideb...

The Way To Healthy Garden Soil
http://www.amazon.com/The-Way-Healthy-Garden-Soil-ebook/dp/B00GS...

How to Grow Potatoes: Planting and Harvesting Organic Food From Your Patio, Rooftop, Balcony, or Backyard Garden
http://www.amazon.com/How-Grow-Potatoes-Planting-Harvesting-eboo...

Healing Herbs for the Ornamental Garden
http://www.amazon.com/Healing-Ornamental-Garden-Medicine-Windows...
Books & Magazines Deals
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting


How To Produce 15-25 Pounds Of Tomatoes PER PLANT
http://www.amazon.com/dp/B003ES5OLK

Written by Horticulturist Tommy Smith, "How To Produce 15-25 Pounds Of Tomatoes-PER PLANT" offers the home gardener fifteen time tested and practical tips and secrets for growing bountiful harvests of ripe, juicy tomatoes.

In this guide you'll learn:
How to prepare your garden area and soil
How to use mulches to manipulate soil temperature
How to extend your growing season with free materials
The one tomato variety that consistently outperforms all others
An old secret that actually helps produce more tomatoes (aka: a wives tale with scientific merit)
Plus much more!

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!
newegg flash Nokia lumia 925 199.99 shipped
Added on : Saturday March 22nd 2014 10:00:02 AM
g: 0 Posted By: excx
Views: 43 Replies: 0 newegg link

price drop! free shipping
T-Mobile
sale ends Wed.
do not recall seeing this much action and frequent price drops on any other phone?
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/Mastering-Digital-Photography-Jason-Youn-e...

4.8 out of 5 stars (12 customer reviews)

Award winning photographer Jason Youn teaches photography in a way that anyone can understand. This book is filled with information presented in a concise manner, the illustrations are simple & direct, the instructions and personal stories are invaluable, & his years of photographic expertise are evident in the advice he gives.
Youn perfectly merges the science, art, history, and joy of photography.

Learn all about:
-Exposure.
-f/Stops and Aperture.
-Shutter Speed and ISO.
-White Balance and Color Temperature.
-Lenses.
-Focus.
-The rules of art.
-Framing.
-Color & Brightness.
-Lighting.
-And much more.

Included in this book is a great section on situational tips and tricks so you and your camera can be ready to capture that once in a lifetime moment before it's gone forever.


Solving Photography Problems - Blurry & Poorly Exposed Pictures
http://www.amazon.com/Solving-Photography-Problems-Pictures-Reve...

Photographers must face many difficult problems in order to take breathtaking, quality photography. If they do not solve these problems then they likely will many times end up with stacks upon stacks of practically unusable photographs.

Sadly many of these photographs would have been the best of the bunch if they were not blurry or poorly exposed. In this book we will learn how to approach and avoid many of the sources of these two problems, that is of poorly exposed and blurry photography...
Home Depot Giftcard at Staples for Points
Added on : Friday March 21st 2014 05:00:04 PM
g: 0 Posted By: ziffy
Views: 102 Replies: 1 We're going to spend $30K at Home Depot. We have Chase Ink Business cards... so with any purchase at Staples, we'll get 5x ultimate points.
So we are thinking to load up as much as we can on Home Depot Giftcard from Staples.

Anyone knows whether there's a limit on how much you can get in one transaction at Staples without having hassle/trouble?
Thinking to drag wife too, so basically we can double up on the purchase.

This is the first time we are going to do it so any advice of do and don't is appreciated.... Thanks!


Personal Finance Deals
Wiss Multimaster Snip & Folding Utility Knife Set $6.99
Added on : Friday March 21st 2014 08:00:06 AM
g: 0 Posted By: iceman94954
Views: 136 Replies: 1
http://www.menards.com/main/tools-hardware/hand-tools/tool-sets/wiss-multimaster-snip-folding-utility-knife-set/p-2182209.htm


Wiss Multimaster Snip & Folding Utility Knife Set features a Wiss long cut utility snip that's great for making long fast cuts in sheet metal, aluminum and much more. The set also includes Wiss quick change folding utility knife featuring soft grip ergonomic handle, quick blade change and easy folding handle for compact storage.

Snip and knife both feature non slip textured grips
Snip combines long cut of tinners snip with strength of compound action
Snip cuts up to 20 gauge low carbon steel
Knife features quick blade change for easy and fast replacement
Knife accepts all standard types of utility knife blades
Knife features well-positioned folding lock keeping hands out of the blades path



Tools Deals
Might sell business...how much to be financially independent
Added on : Friday March 21st 2014 06:00:13 AM
g: 0 Posted By: arilin
Views: 0 Replies: 0 I might sell my business, it's in the negotiation phase and I'm wondering if I should do it. Pro: stock gets bought, paid out over 4 years. Con: I'd have a boss and be working for someone else.

If I "sell out" I want to not have to worry about money too much. That is, work jobs that are interesting, or start another business later. I'm wondering what my number should be...after taxes, how much should I (minimum) require. I'm in a high cost of living area (one of highest in country) right now.

I'm in my early 30's. I'm thinking that 3M payout is my minimum. It should help pay for a house and provide cash for kids and a lower-pay job if I'd like to do that better. I could maybe retire early. Is that reasonable? I've been working like crazy on this company, so I'm hoping to get a fair deal... any other things I should ask for?
g: 0 Posted By: st4rdust
Views: 116 Replies: 0 Discount Mags has anAlternative Press 1-yr. Magazine Subscriptionfor $14.99 - coupon code "FATWALLET" = $4.99. You can order up to 4 years at this rate. Ends today.


"Alternative Press Magazine is the ultimate authority on new music and style. Alternative Press is packed with celebrity and anti-celebrity interviews, exclusive photos, in-depth and (often brutally) honest reviews and so much more that only Alternative Press can give you."
Magazines Deals

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

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

Redeeming points for gift cards continues to be the best bang for your buck for the ThankYou program (unless someone knows of other possibilities).
Discussion Deals
Nautica Charter 3 Piece Luggage Set $179.99 + Free Shipping at eBags
Added on : Thursday March 20th 2014 08:00:06 AM
g: 0 Posted By: cheapmtn
Views: 127 Replies: 0 Nautica Charter 3 piece luggage set is now $179.99 at eBags. This includes free shipping.
http://www.ebags.com/product/nautica-luggage/charter-3-piece-luggage-set/234413?productid=10258803
Great luggage set and much lower price than similar sets sold elsewhere. Plus, use the double Cash Back offer FatWallet is currently running for an even better deal.
Luggage Deals

eBags Coupons
Spending $10k at Home Depot tomorrow, ideas?
Added on : Thursday March 20th 2014 07:00:11 AM
g: 0 Posted By: renaud
Views: 232 Replies: 9 So I just learned that I'll be spending a little over $10k at Home Depot tomorrow. This is a business expense that my partner wanted to pay by check, but I'd much rather make a few bucks by putting it on my CC. Check will just go to me to pay my CC instead of HD.

Best plan I have right now is to put about $8k on my C1 card that gets a flat 3% reward. This card is my daily spender with a limit of only $8800, so can't do the full balance. I'd split the transaction and put the remainder on my Chase Freedom to get 1% on that.

I wish I had a few extra days so i could have bought HD giftcards with my C1 card ahead of time to effectively get the full $10k at 3%, but too late now since I won't have time to pay of those purchases by tomorrow. Is there any other idea that I'm missing? I have AMEX blue cash, Chase Freedom, Discover More, BoA world, and a few other cards. Any ideas??
Question Deals
g: 0 Posted By: Deals4mykids
Views: 55 Replies: 1 Coupon Code: WOOT25


We are launching this deal for the first time ever... The $20 Subway card is good at EVERY national subway franchise location.

The Shopping dollars are "Virtual Currency" from ENTERTAINMENT INC.. The company we all remember for the ENTERTAINMENT books we use to get at school fund raisers.
We hope this "Eat Smart, Shop Smart" gift bundle can be a great gift for you, your spouse or a friend and a nice way to spend the day together and save allot of money!
Also many of you have asked to view the offers in your area before purchasing. We have just received a demo accounts so all users can see their offers:
http://www.dollarstretch.com/index.jsp
Username: demodsd
Password: rewards

http://myspoonfuls.com/2014/eat-shop-smart.html
~Mumbler Via deals.w00t said: From what I can observe from the demo they have, basically this is how the deal works:
You make an account with Spoonful. You buy the deal. $25. Redeem the deal. Get the giftcard sent to you (possibly by mail).
The shopping dollars thing is a point system where you exchange the "shopping dollars" for exclusive coupons from Spoonful. Certain coupons are onetime only, others repeatable. To get a coupon you need to exchange a varying amount of shopping dollars for them.
Lots of coupons from restaurants like McDonalds are basically "buy one get one free" or "free small fries with purchase of large sandwich" types. Very average coupons you get from sunday newspaper. I suppose it is nice to have an extra source of coupons.
I don't like it though. The whole way the deal is explained is really vague. That said,
It's up to you how much value you get for your money though. With the right preparation, im sure someone could really squeeze some real savings from this deal.

g: 2 Posted By: remick
Views: 94 Replies: 0 Eyesight And Vision Cure - How To Prevent Eyesight Problems, How To Improve Your Eyesight, All Natural Foods For Better Vision, And How To Treat Bad Eyesight ... Bad Eyesight, Eyesight food and exercises
http://www.amazon.com/Eyesight-And-Vision-Cure-exercises-ebook/d...


Astigmatism Treatments - Natural Eyesight Improvement for Clear Vision
http://www.amazon.com/Astigmatism-Treatments-Natural-Eyesight-Im...


Back Pain Cure - How To Treat Back Pain, How To Prevent Back Pain, All Natural Remedies For Back Pain, Medical Cures For Back Pain, And Back Exercises ... treatment, upper mid lower back pain relief)
http://www.amazon.com/Back-Pain-Cure-Exercises-treatment-ebook/d...


Stop Back Pain Naturally - Eliminate Lower Back Pain and Sciatica Without Drugs or Surgery (Back Pain Relief, Eliminate Lower Back Pain Series, Sciatica Relief)
http://www.amazon.com/Stop-Back-Pain-Naturally-Eliminate-ebook/d...


Back Pain Cure: Natural Proven Cures to Soothe your Aching Back (The Back Pain Cure Series: Back Pain Relief and Back Pain Treatment)
http://www.amazon.com/Back-Pain-Cure-Natural-Treatment-ebook/dp/...


Kidney Stones Cure - How To Prevent Kidney Stones, How To Treat Kidney Stones, All Natural Remedies For Kidney Stones, And Kidney Stone Removal (kidney ... kidney stones home all natural treatment)
http://www.amazon.com/Kidney-Stones-Cure-Remedies-treatment-eboo...


Constipation Cure - How To Treat Constipation, How To Help Prevent Constipation, All Natural Remedies For Constipation Relief, Along With Nutrition Diet ... diet, constipation natural remedies)
http://www.amazon.com/Constipation-Cure-Remedies-Nutrition-const...


Osteoporosis Cure - How To Treat Osteoporosis, How To Help Prevent Osteoporosis, All Natural Methods To Help With Osteoporosis, Along With Nutrition Diet ... strengthen bone density for osteoporosis)
http://www.amazon.com/Osteoporosis-Cure-Nutrition-strengthen-ost...


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http://www.amazon.com/Carpal-Tunnel-Syndrome-Solution-Diagnosing...


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Cure Chronic Fatigue Syndrome NOW! The Solution To Low Energy - How To Naturally Boost Energy
http://www.amazon.com/Chronic-Fatigue-Syndrome-Solution-Energy-e...


Weight Loss & Diabetes: How to Lose Weight, Prevent Diabetes, and Take Back Your Life (Weight Loss, Diabetes Diet, Diabetes Cure
http://www.amazon.com/Weight-Loss-Diabetes-Lose-Prevent-ebook/dp...


Ultimate Guide To Relief for Anxiety: Help for Panic, Anxiety Attacks and How To Stop Panic Disorder
http://www.amazon.com/Ultimate-Guide-To-Relief-Anxiety-ebook/dp/...


The Complete Guide To Multiple Sclerosis Symptoms: How To Manage Multiple Sclerosis, MS Pain and Control MS Disease Naturally
http://www.amazon.com/Complete-Guide-Multiple-Sclerosis-Symptoms...


Are You Insulin Resistant?: Control Your Blood Sugar Levels, Get Rid of Energy Slumps and Cut Fat (Insulin resistance)
http://www.amazon.com/Are-You-Insulin-Resistant-resistance-ebook...


Discover The Simple Secret Fast Track Cure To Overcoming Binge Eating For Life: Easy Solutions With Immediate Results On How To Stop Compulsive Overeating ... To Lose Weight, Dieting, Fitness, Health)
http://www.amazon.com/Discover-Simple-Secret-Overcoming-Eating-e...


Tinnitus - The Complete Guide: Causes, Symptoms, Remedies, Pregnancy, Diet, Vitamins & Much More
http://www.amazon.com/Tinnitus-Complete-Symptoms-Remedies-Pregna...


Psoriasis Cure: Treatments, Natural Remedies and Best Home Managements (Skin Disease, Skin Problems, Skin Diseases and Disorders)
http://www.amazon.com/Psoriasis-Cure-Treatments-Managements-Diso...


Renew Your Heart: One Heart: You Need Your Heart (And It Needs You) What You Don't Know About Your Heart May Cost You Your Life
http://www.amazon.com/Renew-Your-Heart-Needs-About-ebook/dp/B00E...



Totally Free Deals
g: 8 Posted By: remick
Views: 1379 Replies: 1 Bring Home The Butterflies Vol. I: How to Attract More Monarchs to your Butterfly Garden...and Keep Them There!
http://www.amazon.com/Bring-Home-Butterflies-Vol-Butterfly-ebook...

5.0 out of 5 stars (18 customer reviews)

Even though monarch butterflies are more common than most others, they are rarely seen in many of our butterfly gardens. But what if you could have hundreds of monarchs fluttering through your yard each summer?... or even dozens at once? Then imagine these magical monarch butterflies staying around for hours on end entertaining you with a spectacular aerial display. If this sounds like a dream, it is! But it's a dream that can happen if you're willing to try some new strategies in your garden. In this book I'll reveal:
Uncommon species of Milkweed plants
Tried and true Native plants
Annual plants that drive monarchs wild
Learn how Container Gardening and Vertical Gardening can be implemented into your butterfly garden plan
A new way to Water
Easy Garden Care that can have a huge impact on your results
Raising Monarch Butterflies is a fun and educational activity that will get kids excited about monarchs while increasing butterfly traffic in your garden!
Helpful Garden Resources to create your best monarch butterfly garden
This book is based on one monarch butterfly gardener's experience, along with helpful information harvested from other butterfly gardeners across North America.
The tips offered inside are the rarely shared secrets that have brought more monarchs to our butterfly garden than I ever thought possible! Large, colorful photographs are included to illustrate the exciting possibilities for your Monarch Butterfly Garden.



Garden Magic In Your Backyard!
http://www.amazon.com/Garden-Magic-In-Your-Backyard-ebook/dp/B00...

5.0 out of 5 stars (6 customer reviews)

Americas top garden experts provide you, the reader, with dozens of solutions to problems in your garden.
The how-to information is easy to follow and is garden-tested. In addition, comments and descriptions help the gardener select the right plant for the right spot.
Recommendations of specific cultivars help assure putting Garden Magic in Your Own Backyard.
Written by David Soper, a 40 year garden writer, lecturer and a past board member of The Northwest Perennial Alliance and Seattle Rose Society.


13 Easy Culinary Herbs To Grow In Containers
http://www.amazon.com/Easy-Culinary-Herbs-Grow-Containers-ebook/...


Garden Design and Landscaping - The Beginner's Guide to Successfully Landscaping a Garden ('How to Plan a Garden' Series)
http://www.amazon.com/Garden-Design-Landscaping-Beginners-Succes...

In order to create a fantastic looking landscaped garden, you need to know about what's involved and how much it's likely to cost you.
It can feel quite daunting tackling a garden either on your own or hiring landscape professionals to help. You may not even know if you want to DIY or hire someone. So, this book will explain what each stage of the landscape process involves, from the landscape design concept to creation, so you can decide which bits you do yourself.
In this book, professional, international garden designer, Rachel Mathews, from Successful Garden Design, will share over twenty year's experience as a designer and landscaping contracts manager. She will give you the low down on how to spot the good landscape designers and landscape contractors from the bad ones.


How To Grow Carrots, Growing Carrots Made Easy
http://www.amazon.com/Grow-Carrots-Growing-Made-Easy-ebook/dp/B0...


How to Build A Greenhouse And How To Garden In It: Discover How To Easily Build Your Own Affordable Greenhouse & Learn Some Key Secrets on How To Garden In A Greenhouse
http://www.amazon.com/How-Build-Greenhouse-And-Garden-ebook/dp/B...


Backyard Chickens for Beginners: Getting the Best Chickens, Choosing Coops, Feeding and Care, and Beating City Chicken Laws
http://www.amazon.com/dp/B0084HOC50




Books & Magazines Deals
g: 15 Posted By: remick
Views: 1804 Replies: 1 http://www.amazon.com/dp/B00CFQXKXG

4.6 out of 5 stars (37 customer reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.

The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.

With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.

This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
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The D-Link DIR-815 Wireless N 300 Dual Band Router is a Wireless N compliant device that delivers faster speeds and farther range.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/Fermenting-Book-Package-Vegetables-Probiot...

Get Two Excellent Books on Fermented Foods for One Low Price
The Fermenting Book Package offers two of the premier books on fermented foods for less than what it would cost to buy them individually.

Book 1: Fermented Foods: How to Ferment Vegetables

Do you want to learn how to ferment vegetables?
The fermentation process takes vegetables and turns them into probiotic powerhouses packed full of healthy microorganisms and enzymes. If you're looking to add probiotic bacteria to your diet, learning to ferment vegetables is a cheap and easy way to do it.
The following topics are covered in the beginning chapters of the book:
What lacto-fermentation is and what happens during the fermentation process.
The four items you need to get started.
The health benefits of fermented vegetables.
Vegetable fermenting basics.
A quick introduction to fermenting vessels, including the pros and cons of some of the more popular container types.
Weighting systems and why they're important.
The best types of salt and water to use.
Starter cultures and why they aren't always necessary.
How to tell when vegetables are done fermenting.

This handy guide contains more than 35 recipes, including step-by-step directions detailing how to make the following fermented vegetables:
Asparagus.
Fermented shredded beets.
Beet kvass.
Beet kanji.
Brussels sprouts.
Cultured cucumber salad.
Curtido.
Curried cauliflower.
Dilly carrots.
Dilly beans.
Probiotic ketchup.
Kimchi.
Kohlrabi pickles.
5 different types of sauerkraut.
Fermented cherry tomatoes and green tomatoes.
and more.

A number of common problems encountered during fermenting are covered at the end of the book, including mold, slime, cloudy substances at the top of the brine and vegetables that smell rotten, taste funny or go soft.

Book 2: Paleo Probiotics: Fermented Foods for the Paleo Diet

This book is a great introduction to probiotic foods for both Paleo and non-Paleo dieters.
Traditionally, the human diet consisted of fresh foods in their natural form, free of harmful chemicals, pesticides and processed flours and sugars. Pretty much every food we ate was packed full of probiotic bacteria that helped balance the bacteria levels in the stomach and small intestines. These probiotic foods don't just promote good gut health, they free up the immune system to dedicate resources to other areas of the body, leaving you healthier and happier as a result.

Fermented foods and beverages are natural sources of probiotic bacteria that can be eaten to resupply the body with the bacteria it needs.

This book is your guide to adding probiotics to the Paleo Diet. The following topics are covered in this helpful handbook:
A brief chapter that lays out the framework for the Paleo diet and why it's a good choice for many people.
What probiotics are and why they're important.
Fermented foods and the lacto-fermentation process.
The basic supplies you need to get started (along with some supplies that aren't required, but will make life easier).
Choosing the right type of container to ferment food in.
Choosing the right weighting system for your container.
Natural salts and sugars that work well for fermenting.
Two methods that can be used to create brine solutions.
What starter cultures are and why some may not conform to the strict Paleo diet.
How to tell when your food is done fermenting.
Storage of fermented foods.
and more...
g: 0 Posted By: sepulcher
Views: 194 Replies: 6 For the last 5 years or so, I've been blessed enough to bounce from funded grad programs to fellowships around the world, but now I'm faced with this very different scenario. I'll be receiving a lot more money, guaranteed for 5 years, and I'll need to stay (relatively) put for that long as well. Simply, I don't know how to do this, and it's rather intimidating. If anyone would be able to give me advice on anything from whether or not I should buy a home, what I should budget for what, or point me in the right direction I would really appreciate it a lot!

My fellowship includes:

$26,000 stipend, per year, guaranteed for 5 years (the first installment of which I will receive in August)
Full funding for tuition (so that's an expense I don't have)
Health insurance
some funded travel for conferences and what not

My current liquid assets (which is all I've got) are:

$14,000 in an REIT investment account
$20,000 inchecking and savings accounts

In terms of liabilities I have$60,000 in student debt which will be deferrable for the duration of the PhD.I think somewhere around $5-10,000 is non-subsidized, meaning it will accrue interest during the PhD program, while the rest will not.

I mentioned I've been bouncing around the last several years so I have next to nothing in non-liquid assets, I have:

no car
no home
no furniture
no anything apart from clothes, books, and various priceless knick-knacks

Some basic questions:

I need a car, how much should I consider spending?
I'll be in Indiana where I could buy a home for $60-80,000, should I? How much should I expect to spend? Is there a guide somewhere around here for first time homeowners? Since I'll be looking for a job in academia after, I do not expect to stay in the same location after, but it seems like I could pay off a house this cheap in 5 years...
What should I do with my savings?
I'm single, would like to have some money left over for vacations, dating (trying to resolve the singleness), how much should I budget for this?
What am I not thinking about that I need to be?

Thanks in advance to anyone who can either give direct advice or point me to somewhere that I can find it!
Question Deals
Can you help me add a new rewards credit card?
Added on : Tuesday March 18th 2014 02:00:03 AM
g: 0 Posted By: jbpadgett
Views: 19 Replies: 0 I currently have a basic BOA Visa card which is 1% on everything, and a Delta AMEX platinum which I wanted to use for free bags and the companion ticket. However, I haven't tried the companion ticket yet, so if it's too difficult to use I will cancel the card.

I would like to add a new rewards card. I usually spend about 20-25k a year on my card, and I don't really have any preferences when it comes to hotels or airplanes. However, my wife and I usually fly Delta (because of the Atlanta terminal) or Southwest.

I guess the most common rewards cards are Chase Sapphire Preferred for UR, Starwood AMEX, and Barclays MC. I could always use the UR for Southwest or a Hyatt hotel, and with the AMEX I'm sure I could find a starwood hotel to use it on. However, I guess the Barclays isn't really much better than the Fidelity AMEX.
New User Question Deals
Mid 20s - Traditional vs Roth 401k
Added on : Monday March 17th 2014 03:00:08 PM
g: 1 Posted By: puffycloud
Views: 64 Replies: 1 I've read numerous comparisons about the two options, and most say you pretty much will come out ahead with a Roth 401k even if you invest the tax money from a Traditional 401k. I'm very good about saving and I can afford the maximum contribution amount my employer is allowing. I am wondering if there is something I did not take into consideration, though so far it sounds like I should put my entire contribution into Roth. Also, would there be any advantage to dividing contributions between the two?
Investing Deals
500 Business Card $5 + shipping at UPS STORE
Added on : Monday March 17th 2014 03:00:05 PM
g: 0 Posted By: MISTERCHEAP
Views: 321 Replies: 1 http://www.upsstoreprint.com/

sorry, I don't know how much shipping is at post time.
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g: 0 Posted By: ksenn
Views: 169 Replies: 0 Amazon has the Seiki Digital SE22FR01 22" 1080p 60Hz LED HDTV for $159.99 with free Super Saver shipping. I don't know very much about TVs, but I really like the retro look of this.

Retro designed cabinet
High power stereo audio with Subwoofer
USB Audio

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Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

A little background: I attended a private school for undergrad that was paid 50% through tuition reimbursement and then completed graduate studies that was paid for 80% by tuition reimbursement, though I took out some additional loans. All in all, I have about $60k in loans. About 50% of it originated as subsidized loans. Whenever they are set to "in-school deferment" they have subsidized interest, again. I thought that the previous rules for this were for up to 2 years... but my graduate school was just over two years... and that have been completed for over a year now and I am taking a course right now just because I want to... and it is in deferment again.

So, strategy... take a course here and there to get these subsidized loans back in deferment and keep making my payments but stick all of the money in the unsubsidized loans. That is the first item. Now, this course I am taking is out of pocket and not cheap... so it really isn't a good example, but community colleges offer courses that are much cheaper. Alternatively or correspondingly, one could use employer provided tuition reimbursement to pay for the course, then it is free (beyond any "repayment" commitment and time in school). For specific industry certifications, I have to do continuing education anyhow, and this makes that very easy for me.

This got me thinking, though, there are plenty of means for "students" to save money. How could one extrapolate this for maximum savings. So, here is my list so far:

1. In-school deferment of subsidized loans ($~200/month)
2. Amazon Prime Student with Upgrade to Full Prime (now $50/year or ~$4/month)
3. Mobile service discounts (if you don't have an employer discount... many universities have discounts ranging from 15-22%... savings, varies significantly)
4. Gym membership discounts - my local school district has a fitness facility that is open to the public (detached from the schools). Membership is $500/year for non-residents, $200/year for residents, and $80/year for adult students ($30/year for minor students) (savings varies based on what is available for you, $10/month for me).
5. Software discounts (varies) Many schools have discount programs available for students. Also, you may want to check with your employer for "home use" programs. For instance, my employer's home use program with Microsoft allows me to use MS Office for $10 on up to two home computers.
6. Various students discounts at restaurants
7. Special vehicle financing options - We are trading in our Chevy Traverse (at 0%) for a Volkswagen Passat TDI. Volkswagen Group (VW, Audi, Porsche) offers a grad program for that within six months of graduate or two years following graduation best terms financing plus first payment paid on vehicles. We will be getting 0.9%, but the gasoline models would get 0%. ~$500 for the first payment... $130/month (>$1500/year) in fuel savings over the Traverse after accounting for the slightly increased payment. Many automakers have similar programs.
8. Covered continuing education - many licensed professions and various certifications require some form of continuing education. Sometimes there are free options... sometimes they are a pain. Any schooling gets me a CPE per hour of weekly classroom work... for 3 cr hr course gets me 36 hours for the semester. I need 20CPE/year of specific and 40CPE/year overall... this will obviously vary greatly for folks
9. If you are paying out of pocket... you can do the lifetime learning credit on your taxes to "reduce" the expense of the course.
10. Ancestry.com - I think that some universities offer free access to students (mine does)... $20/month... but i would pay for it all of the time anyhow, so not really a savings.

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
Just turned 18, living on my own. Any financial advice?
Added on : Saturday March 15th 2014 12:00:07 PM
g: 0 Posted By: tayumi
Views: 15 Replies: 0 Sorry this is so long but please read the whole thing because everything is just really complicated

My situation right now is that I'm a high school senior, I work part-time (getting $300 a month), my mother owned the house where I live in (I say "owned" because she passed away a few days ago. The house will automatically go to my older brother, who has no use for it as he lives in a different state, so he plans on signing it over to me). It's a duplex, so right now there's a renter on the other side paying $600 a month, while I'm paying $690 a month for mortgage, $30 for water, and.. well honestly I don't know how much electric is. That, and I can probably live off about $40 a month for food, plus or minus some.

My mom owed a lot of money to people, so whenever any of her bank accounts went over about $400 they'd garnish her money. I had to have a bank account when I started my job, and being only 17 then, it had to go under her name, or she had to cosign it or something. I think in November, actually, they took about $230 from my account. Will this happen again? My card from them says her name and I've yet to talk to my bank account about this (actually it's a credit union but it's basically the same thing. I should be talking to them I guess but they're closed on weekends).

That being said, her credit rating was pretty low - about 580. So obviously the mortgage interest rate, which still has 25 years to go, is very high. It's a $70,000 house where I have to pay almost $700 a month for 30 years. I don't know the exact rate, but it's a lot that could be cut in half with a good credit score. The thing is, I have NO credit, and at this point I don't think I can afford getting credit because that would involve buying stuff, and I can't afford to pay back for the stuff that I buy, if that makes any sense.

Also, I'm guessing I'm going to owe her car too, and honestly I don't know anything about car ownership other than expensive, complicated, paperwork. I don't even have a driver's license, all I have is a permit.

Since I only get $900 a month of income, would I be eligible for foodstamps? How would I go about getting that?

Even though I'm a high school Senior and I AM college-bound, I'm taking a gap year to get everything settled down, then after that, well.. I don't know what to do with my pets, but then I'm going off to college and probably renting out the other side of the duplex, so I'd get $1200 a month from there ($1100 if I decide to be nice). Does this overall seem like a good idea?

That's about all the issues I can think of. I'd greatly appreciate any advice and suggestions!
New User Question Deals
g: 1 Posted By: remick
Views: 88 Replies: 0 Bring Home The Butterflies Vol. I: How to Attract More Monarchs to your Butterfly Garden...and Keep Them There!
http://www.amazon.com/Bring-Home-Butterflies-Vol-Butterfly-ebook...

5.0 out of 5 stars (18 customer reviews)

Even though monarch butterflies are more common than most others, they are rarely seen in many of our butterfly gardens. But what if you could have hundreds of monarchs fluttering through your yard each summer?... or even dozens at once? Then imagine these magical monarch butterflies staying around for hours on end entertaining you with a spectacular aerial display. If this sounds like a dream, it is! But it's a dream that can happen if you're willing to try some new strategies in your garden. In this book I'll reveal:
Uncommon species of Milkweed plants
Tried and true Native plants
Annual plants that drive monarchs wild
Learn how Container Gardening and Vertical Gardening can be implemented into your butterfly garden plan
A new way to Water
Easy Garden Care that can have a huge impact on your results
Raising Monarch Butterflies is a fun and educational activity that will get kids excited about monarchs while increasing butterfly traffic in your garden!
Helpful Garden Resources to create your best monarch butterfly garden
This book is based on one monarch butterfly gardener's experience, along with helpful information harvested from other butterfly gardeners across North America.
The tips offered inside are the rarely shared secrets that have brought more monarchs to our butterfly garden than I ever thought possible! Large, colorful photographs are included to illustrate the exciting possibilities for your Monarch Butterfly Garden.



Garden Magic In Your Backyard!
http://www.amazon.com/Garden-Magic-In-Your-Backyard-ebook/dp/B00...

5.0 out of 5 stars (6 customer reviews)

Americas top garden experts provide you, the reader, with dozens of solutions to problems in your garden.
The how-to information is easy to follow and is garden-tested. In addition, comments and descriptions help the gardener select the right plant for the right spot.
Recommendations of specific cultivars help assure putting Garden Magic in Your Own Backyard.
Written by David Soper, a 40 year garden writer, lecturer and a past board member of The Northwest Perennial Alliance and Seattle Rose Society.


13 Easy Culinary Herbs To Grow In Containers
http://www.amazon.com/Easy-Culinary-Herbs-Grow-Containers-ebook/...


Garden Design and Landscaping - The Beginner's Guide to Successfully Landscaping a Garden ('How to Plan a Garden' Series)
http://www.amazon.com/Garden-Design-Landscaping-Beginners-Succes...

In order to create a fantastic looking landscaped garden, you need to know about what's involved and how much it's likely to cost you.
It can feel quite daunting tackling a garden either on your own or hiring landscape professionals to help. You may not even know if you want to DIY or hire someone. So, this book will explain what each stage of the landscape process involves, from the landscape design concept to creation, so you can decide which bits you do yourself.
In this book, professional, international garden designer, Rachel Mathews, from Successful Garden Design, will share over twenty year's experience as a designer and landscaping contracts manager. She will give you the low down on how to spot the good landscape designers and landscape contractors from the bad ones.


How To Grow Carrots, Growing Carrots Made Easy
http://www.amazon.com/Grow-Carrots-Growing-Made-Easy-ebook/dp/B0...


How to Build A Greenhouse And How To Garden In It: Discover How To Easily Build Your Own Affordable Greenhouse & Learn Some Key Secrets on How To Garden In A Greenhouse
http://www.amazon.com/How-Build-Greenhouse-And-Garden-ebook/dp/B...





Books & Magazines Deals
Help Me Refi
Added on : Friday March 14th 2014 02:00:04 PM
g: 0 Posted By: FutureBillionaire
Views: 176 Replies: 2 A long time ago, in a galaxy far, far away:

I signed up for a terrible mortgage during the housing bubble. I have a 1st and 2nd mortgage that was sold to me as an 80/20 loan. I wholeheartedly acknowledge that I was a bumbling fool when I purchased my house.

Fast forward a few years, and Bank of America has sold my first mortgage to Specialized Loan Servicing. They still have my second mortgage.

My question is, what is the best way of refinancing these loans? My credit scores were between 660 and 680 when I bought my house. Now, I'm in the 760-780 range. The rate on my second mortgage is much higher. Although my awareness of credit has improved, I'm still a noob when it comes to the housing market. Any advice or help is much appreciated. I bank with two credit unions, a few online banks, and a couple of national banks. I think I have established relationships that should help me get a good product somewhere.
Personal Finance Deals
Medical charges from Mexico
Added on : Friday March 14th 2014 12:00:07 PM
g: 0 Posted By: CheapBustard
Views: 144 Replies: 3 Need advice on how to deal with unexpected bills from Mexican Ambulance. While on vacation in Cabo San Lucas in Dec of 2012, my mother-in-law had a medical emergency. She was on a boat that took myself and my kids to para-sailing boat and her finger got jammed between the two boats when they came together. Both boats belonged to a well-established local beach activities company. Her nail and a small piece of bone got sheared off, there was a lot of blood and pain. On the shore people in uniform (may or may not have been police) called ambulance. Ambulance people told us they would take us from Cabo San Lucas to San Jose del Cabo (probably 50 km away) to a clinic. When I questioned why we needed to go that far I was told that this was the only clinic that could do a surgery that was open at this hour. At that clinic (turned out to be private) doctors performed a surgery and requested us to pay everything in full on the spot. I was surprised that the activities company did not step in and took care of it, basically leaving us on our own. So my in-laws paid the bill (about $3,000 USD) that included $450 for the ambulance. Back in the US they got partial reimbursement from their insurance. About 10 months later they got their first letter asking them to pay roughly $3,000 USD. The letter had their correct address but their names were horribly misspelled. I was sure that was the same bill they got originally and told them to toss it since they already paid it. Letters kept coming and after looking more closely I figured that this was a new bill, just for the ambulance part. This was never presented to them and they were never told there would be an additional charge forthcoming. I'd like to ask for advice on what to do in this situation - should they ignore it, should I contact the company that is sending the bill, should I ask to verify the charges or should I wait until this gets sold to collection agency? Or should they go to a lawyer? BTW, my in-laws have very limited English so it would have to be me doing whatever it is needed to be done. I apologize for the long story, but I wanted to provide as much info as I can. I will attach images of receipts and bills.
Personal Finance Deals
Credit Card Surcharges
Added on : Thursday March 13th 2014 05:00:05 PM
g: 0 Posted By: NEDeals
Views: 87 Replies: 2 What is the current legal guidance for Visa/Mastercard credit card surcharges? Unless you live in a more restrictive state (e.g. California, Massachusetts), I was under the impression that after a class action lawsuit, merchants can surcharge credit cards by 4% IF they clearly disclose the surcharge AND they notify Visa or Mastercard at least 30 days in advance. Debit cards may not be surcharged and now have much lower interchange fees.

Union Bank / SmartStreet https://www.mysmartstreet.com/payment.aspx charges a $14.95 fee for both credit and debit card payments. This is a bank division (previously owned by PNC) that specializes in property/homeowners association/etc. fees. Any payment made under $373.75 would have a surcharge in excess of 4% for credit cards, and any debit card payment would appear to be in violation due to the $14.95 surcharge.

When I talked to the bank, they said that they can surcharge as much as they want (MC and Visa webpages suggest differently, but they don't seem to enforce their own rules). What federal laws apply? This company is making a mint in their $14.95 surcharges.


Credit Deals
g: 0 Posted By: jasclark
Views: 70 Replies: 0 http://www.woot.com/offers/samsung-1000w-5-1-3d-blu-ray-home-the...

Condition Refurbished

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Smart Hub provides a single location for all of your favorite smart content, giving you easy and instant access to apps, photos, videos, web browsers and much more. It's the simplest way to explore a world of entertainment.

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Lets you set the product so the volume remains stable when a scene change occurs or when you change the channel. Also minimizes the change in volume that may occur when a commercial comes on.

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Enjoy wireless connectivity with Bluetooth and stream your favorite audio content
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woot! Coupons
LG 60-inch Plasma Smart TV - 60PN5700 HDTV $599 B&M Micro Center YMMV
Added on : Thursday March 13th 2014 01:00:03 PM
g: 0 Posted By: Uppie1414
Views: 266 Replies: 2 All credit to Bippie from here on the forums (thanks!!)!

He was replying to my link here:
http://www.fullofdeals.com/forums/hot-deals/1349387/

I called my local Micro Center and asked about the TV--$599 and 20 in stock. Thoughts? Much better than Dell.com.

EDIT* You have to call and see, but they had them in MPLS/St. Paul
Plasma TV Deals
Free Shoprunner for 1 year (in response to Amazon Prime increase)
Added on : Thursday March 13th 2014 10:00:12 AM
g: 4 Posted By: nhenny2005
Views: 733 Replies: 9 https://www.shoprunner.com/amazon-prime/

enjoy.


Welcome Prime members. We heard about the recent price increase and wanted to help. Shoprunner is offering a limited timeFREE 1-Year membershipexclusively for Amazon Prime members who have not yet renewed their membership at the higher rate.

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FREE 1-YearShoprunner membershipSign up and provide proof of your Amazon Prime membership within 24 hours. This limited time offer is valid for Amazon Prime members who have not yet renewed their membership at the higher rate.

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1. Go towww.amazon.com/gp/primecentral
2. Log in if necessary
3. Click on "View printable receipt"
4. Copy the full receipt.
5. Open a new email addressed toDoneWithPrime@ShopRunner.com6. Paste the receipt into the body of the email and hit send.
Services Deals
g: 1 Posted By: remick
Views: 187 Replies: 0 http://www.amazon.com/dp/B00AJOWXSO

4.8 out of 5 stars (25 customer reviews)

The New Old Baris a collection of 200 great classic cocktail recipes that takes the fear out of entertaining and demystifies the party-throwing experience. Much more than an assortment of vintage cocktails (plus 25 terrific small dishes to enjoy while you drink them),The New Old Baris a how-to manual on bringing mid-century cocktail culture to your home bar.
Authors Steve McDonagh and Dan Smith comprise the Chicago restaurant and catering duo known as The Hearty Boys, who were the winners of the very first series ofThe Next Food Network Star. The Hearty Boys have catered events for President Barack Obama, and they have fed notables from Oprah Winfrey to Hillary Clinton.
In this fun and beautifully photographed book, McDonagh and Smith tell readers about the proper tools needed for hosting successful cocktail parties, including vital information on bar setup, equipment needs, and proper shaking and blending techniques.
The Hearty Boys have charmed the country with their breezy, insouciant take on food and entertaining, and now they bring the same warmth, humor, and easy expertise to the world of classic cocktails. Drink up!



So You Want To Go Wine Tasting?
http://www.amazon.com/dp/B00HH2M6EM

4.9 out of 5 stars (9 customer reviews)

So you want to go wine tasting? Well, here is a fun, user-friendly eGuide of what to expect in the ever-exciting world of wine tasting and touring in Tasting Rooms. Designed for someone who considers themselves a rookie or a newbie to wine. This guide will delve into Tasting Room etiquette, how to taste wines, things to avoid that will blow your rookie cover, getting technical and having fun with descriptors, as well as some cool stats to impress your friends. It is designed to be easily downloaded to your digital device on the day of your wine tasting adventure. So let's go wine tasting and be sure to bring along your embarrassing purple-teeth cohorts.


Game Day Appetizers and Super Snacks
http://www.amazon.com/Appetizers-Super-Snacks-Delicious-Recipes-...

4.4 out of 5 stars See all reviews (17 customer reviews)


Books Deals

Amazon Coupons
2 Pack Red Solo Cup Koozies for $9.99 + free Shipping
Added on : Thursday March 13th 2014 07:00:04 AM
g: -1 Posted By: Deals4mykids
Views: 220 Replies: 0



http://hoboninja.com/store/item.php?id=23506You will receive 2 per order!Yes, the red cups at the party are iconic but they don't do much for keeping your beverage cold and your hands dry! We're guessing it's because of the little scientific thing about your hand being warm and there's only a thin slice of plastic separating your body heat from your beverage.With our Red Cup Koozie, you can place your beverage can or bottle into an insulated red cup to keep it ice cold and your hands warm and dry!.. while still looking cool!Let's face it, it's never a real party without the big red party cups and you're keeping that dream alive; till someone yells out, "who let my python out!?!"Keeps your drink icy cold.
Works great with bottles or cans!
Measures 4.75 inches tall x 4 inch diameter.
Sports & Outdoors Deals
g: 0 Posted By: davneil
Views: 190 Replies: 0 I had need for a Soccer Ball and was looking around where those are in Sports Authority and found that they have bunch ofBackyard Hero Soft Tetherball for sale at 97c and were Originally shown to be selling for 24.99. They are green black and yellow color on the ball and they are called BACKYARDHERO. SKU # 32687394. In Houston don't go to 1960 and Mills Road Sports Authority because I bought all of these from there. I bought two yesterday and they praised me so much that for the praise I thought of buying all of these.
W2 vs 401k contribution
Added on : Thursday March 13th 2014 06:00:10 AM
g: 0 Posted By: ksuwldkat
Views: 137 Replies: 2 I am self employed and am trying to determine how much W2 wage I should take for 2014. As part of the growth process of our business, my partner and I decided to be taxed as an S corp and take wages. I had originally decided to take a wage of 75k. Then I realized I would not be able to reach the maximum 401k contribution for the year if I did this. Can someone check my math?
75k wage
employee contribution 17,500
employer contribution (0.25)75,000=18,750
Total contribution= 36,250
So I would be short of the 52,000 limit by 15,750

if I wanted to reach the 52,000 limit I would have to give myself a 138,000 wage
138,000 Wage
employee contribution 17,500
employer contribution (0.25)138,000=34,500
Total contribution=52,000

The downside of this is that it looks like I would owe an additional $7,035 in FICA tax (63,000(2.9%) medicare and 42,000(12.4) ss)
Do these numbers look right? Is it worth it to pay the extra FICA tax and make the retirement contribution? I will be in the 35% or 39.5% bracket this year.
Tax Deals
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


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

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

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

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

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Madza5 new verses used 2013. WWYD?
Added on : Wednesday March 12th 2014 10:00:14 AM
g: 0 Posted By: doublePie
Views: 0 Replies: 0 Normally I'm just a lurker, but would appreciate another set of eyes on this and have seen similar posts here before without anyone getting too offended so here's a try.

Im currently looking into buying a lightly used Mazda5 in the next five months. My husband and I have a two year-old and are expecting our second this fall. The high mileage 2000 Corolla I currently drive has been good to us but it is time for an upgrade. We also have a dog, go on short road trips frequently, live in a ruralish area (lots of driving to everything), and can afford it.

Our credit union is offering 2.9% financing on anything wed consider. Mazda only offers 0.9% financing on 2014 models. FICO is 800 +/- 20. Down payment could be as much as $9K but Id like to do less (like $4K) given current interest rates. Budget is up to $300/month for 48 months in addition to reoccurring costs of full coverage insurance, local annual personal property tax, and decreased gas efficiency. Id like to pay cash but at total interest of well under $1000 even at the very worse, it is worth it to me to buy it now instead of toting around two adults, a toddler, a newborn, and a dog in an old Corolla.

That leaves me with a Target purchase price of $18,000. If we do our shopping in DC, we can reasonably expect to pay just under $16,000 for a 2011-2013 with 30,000 miles and a clear CarFax from a dealership.

The wrench here is that we went to check it out at the local dealership. They had a new 2012 that they would sell for about $18,000. I test drove it Saturday evening and it was sold before my husband called on Monday morning to drive it himself. They asked if wed consider a 2013, but the numbers were just getting too far out of range. They asked what wed consider it at, I said $18K, they countered at $18,800. That is, admittedly, a very nice price on that car. KBB says that the average price paid is $19,867 (base model with automatic transmission). But we can pick up a used one under $16,000. The new one would come with a 36 month warranty. It's a four hour trip to DC for a used one and would blow a weekend, but my parents live in the area so we wouldn't have to make it in one day and they could see the grandbaby.

Is there anything Im missing? Anything else I should be considering? I'm really leaning towards used but the local dealership getting the new 2013 to under $19K has given me something to seriously consider.
The D-Link DCS-932L Day/Night Network Camera comes with everything you need to quickly add a surveillance camera to your home.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
g: 0 Posted By: remick
Views: 462 Replies: 0 Inside Divergent
https://play.google.com/store/books/details/Cecilia_Bernard_Inside_Divergent_The_Initiate_s_Wo?id=yZlRAQAAQBAJ

The #1 New York Times bestselling novel Divergent is soon to be a major motion picture in theaters March 2014
Illustrated with more than 100 photographsmany never before seenthis eye-catching volume takes you inside the film version of Divergent where you'll discover the factions, meet the initiates, and enter the thrilling dystopian world.


The World of Divergent: The Path to Allegiant
https://play.google.com/store/books/details/Veronica_Roth_The_World_of_Divergent_The_Path_to_A?id=6s_qLDNW0kwC

Fascinated by the world of the Divergent series? This fifty-page bonus, previously only available in the Divergent Series Box Set, includes faction manifestos, a faction quiz, Q&A with #1 New York Times bestselling author Veronica Roth, book playlists, discussion questions, series inspirations, and much more! It also contains ten enticing teasers from Allegiant, the final book in the Divergent series.

mp3 from the soundtrack - Backwards by Tame Impala
https://play.google.com/store/music/album?id=Buuoj5prqvuhwkykhqeib4ofz44&tid=song-Tos6vdgvj2jntggdryvcrn4htfy




Books & Magazines Deals
g: 3 Posted By: remick
Views: 100 Replies: 0 http://www.amazon.com/dp/B00CFQXKXG

4.6 out of 5 stars (37 customer reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.

The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.

With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.

This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
Totally Free Deals
Ribbon App - Another way to MS with debit for free?
Added on : Tuesday March 11th 2014 06:00:07 PM
g: 0 Posted By: tedteddy
Views: 70 Replies: 0 Has anyone used Ribbon (https://ribbon.co) I recently got an invite, and it seems like a Venmo-ish product. From their FAQs:

What is Ribbon?
Ribbon is a simple way for friends to send and receive money using debit and credit cards.

How much does Ribbon cost?
Its always free to receive money. Its free to send money using Ribbon as long as youre using a debit card. If youre using a credit card, theres a 3% fee per transaction.

I have successfully added my bank account there, and looks like you can easily move cash out from the account to the bank. Don't have a PIN activated gift card that I can use right now, but I will try it out ASAP when I can. In the meanwhile, I'll test it out with a CC as well, although the 3% fee is a deal killer. Obviously this will need an A -> B -> A transaction like AP. They don't mention any monthly/daily limits.

Anyway, thoughts? Experience?
Discussion Deals
g: 0 Posted By: KayK
Views: 199 Replies: 10 CNN link : http://money.cnn.com/2013/06/24/pf/emergency-savings/

While there were only 1000 individuals surveyed, I dont think actual numbers would be much different.
Key points from article:

< 1 in 4 have > 6 months savings.
50% have 3 months in savings
27% have no savings at all
22% have less than $100 in emergency savings
46% have less than $800 in emergency savings


What is making it so difficult to save? Is it show off (having the latest and greatest cell phone / tv / house)? Is it education/medical debts? Is it just regular day-to-day spending habits?

Being on fatwallet, and being from a family that cares about not being blind-sided by unexpected costs, I have saved enough money to last me much longer than 6 months. Why has not an average American learned that? And if they currently living paycheck-to-paycheck, why is it so hard for them to change their ways?
Personal Finance Deals
g: 0 Posted By: remick
Views: 61 Replies: 0 Inside Divergent
https://play.google.com/store/books/details/Cecilia_Bernard_Insi...

The #1 New York Times bestselling novel Divergent is soon to be a major motion picture in theaters March 2014
Illustrated with more than 100 photographsmany never before seenthis eye-catching volume takes you inside the film version of Divergent where you'll discover the factions, meet the initiates, and enter the thrilling dystopian world.


The World of Divergent: The Path to Allegiant
https://play.google.com/store/books/details/Veronica_Roth_The_Wo...

Fascinated by the world of the Divergent series? This fifty-page bonus, previously only available in the Divergent Series Box Set, includes faction manifestos, a faction quiz, Q&A with #1 New York Times bestselling author Veronica Roth, book playlists, discussion questions, series inspirations, and much more! It also contains ten enticing teasers from Allegiant, the final book in the Divergent series.

mp3 from the soundtrack - Backwards by Tame Impala
https://play.google.com/store/music/album?id=Buuoj5prqvuhwkykhqe...




Books & Magazines Deals
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
ST PATTYS DAY!! 20% back SAVINGSTAR on Fresh Cabbage Heads exp 3/17
Added on : Tuesday March 11th 2014 08:00:10 AM
g: 0 Posted By: MISTERCHEAP
Views: 79 Replies: 0 www.savingstar.com

ONE TIME ONLY, but you can buy as much as you want in one order.
Fruit & Vegetables Deals
OFFER OVER Free Kindle Book - 3250 Questions to Ask Before Marriage
Added on : Tuesday March 11th 2014 07:00:11 AM
g: 11 Posted By: remick
Views: 2111 Replies: 6 http://www.amazon.com/3250-Questions-Ask-Before-Marriage-ebook/d...

"3250 Questions to Ask Before Marriage" is an essential guide for couples who are dating, engaged or getting married.

With an estimated 40% of all marriages ending in divorce, couples need to be sure they really know the person they are marrying and are well prepared to enter marriage as a lifetime commitment.

These pre marriage questions and fun relationship questions let couples really get to know one another. Couples can pick out subject areas where they believe they have the most conflict and ask each other those questions. When couples can ask each other questions and listen to each other actively, honestly, and openly, they gain insight into their partner's beliefs, values, goals, likes, and dislikes.

Couples who are able to openly, honestly and lovingly communicate with each other are the couples whose marriages have the best chance of success.

This book has questions on subjects that include work, money, sexuality, personality, education, health, children, religion, the past, entertainment, and much more.

The author also includes a bonus section of questions that include questions to ask your pastor, questions to ask his mother and his ex, questions for her dad to ask her partner, questions for men to ask themselves, and more.

When couples are able to explore intimacy with their partner, explore their own and their partner's thoughts and feelings, and understand their partner and themselves, they have a much higher chance of entering into a successful marriage that will last.
Totally Free Deals
The D-Link DIR-815 Wireless N 300 Dual Band Router is a Wireless N compliant device that delivers faster speeds and farther range.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
What type of tenants have you had the best luck with?
Added on : Monday March 10th 2014 07:00:09 AM
g: 1 Posted By: tedteddy
Views: 121 Replies: 2 I this thread we will discuss different types of tenants who tend to be better than average.

I personally have had the best luck with tenants in medical-type graduate programs. Dental/Pharmacy/Med grad students have a VERY reliable income from loans. They seem to study so much that they don't have time to party or mess up your place. They also tend to be clean people in general.

Who have you had the best luck with?
Real Estate Deals
Free Ebooks 3-10-14
Added on : Monday March 10th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 154 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! FreeEbooksTodayposted more books than usual so I am just posting a couple of the 4+ star rated ones that stood out to me

Minimalist Living: Decluttering for Joy, Health, and Creativity
Rating - 4.7 (7 Reviews)

From About.com Readers Choice Award-winning author Genevieve Parker Hill comes a fresh new minimalism guide for everyone. If your garage, attic, closets, and surfaces are filled with clutter, all that extra stuff can get in the way of a full experience of life as it was meant to be lived. Minimalist Living covers not only techniques for decluttering, but how to fill your newfound space with meaningful activities that add joy to your life and support your goals.
This guide to simplifying for health, joy, and creativity teaches:
Why you should define your own sense of minimalism
How to create your Minimalist Mission Statement
How to use the techniques of blazing and gazing to declutter
Why decluttering now can lead to a happier, healthier, and more creative life
How to deal with sentimental items without losing their meaning
The amazing connection between minimalism and living your souls deepest purpose

Household DIY: Save Time and Money with Do It Yourself Hints & Tips on Furniture, Clothes, Pests, Stains, Residues, Odors and More!
Rating - 4.4 (10 Reviews)

n these pages, youll find methods that are helping people save hundreds of dollars.
This book contains proven steps and strategies on how you can do your own household maintenance activities without seeking help from professionals. Tips range from the manufacture of your own cleaning and hygiene products, stain removal to odor control and more. There are also some home and garden projects, as well as home improvement and craft ideas youll find interesting and useful.
These simple DIY techniques and tricks can be easily done by anyone. There are even some simple projects included that can be done at home which would not only be cost effective but financially rewarding as well!
Here is a preview of what youll learn:
*DIY Home
*DIY Cleaning Solutions
*DIY Gardening
*DIY Furniture Restoration
*DIY Odor Management
*DIY Personal Hygiene Products
*DIY Solutions to Clothing Problems
*DIY Crafts for Homeowners
DIY Resource List
*And Much, Much More!

How to Save Money at Home: A Room-by-Room Guide to Cut Spending
Rating - 4 (48 Reviews)

How to Save Money at Home: A Room-by-Room Guide to Cut Spending provides you with the know-how you need to manage your home well and inexpensively. It provides proven strategies for finding greater savings in every room of your home. With sensible and cost-effective solutions, this book will assist you in:
Saving money
Caring for your home for less
Running an affordable home
Organizing your home
Decorating on a dime
Preparing inexpensive meals
Trimming utility costs
Freeing up resources
And much more!
In short, this book will make you a pro at keeping your home comfortable for less.

CrazyBusy? One Simple Change to get your life back Productivity Book
Rating - 5 (2 Reviews)

If you are a professional looking for a personal productivity or a time management solution, this book is perfect for you.
If you already do weekly reviews but you need a better system, then this book will help you.
If youre an employee and you are tired of being CrazyBusy and are looking for a work-life balance on the road to success, this book will help.
If you are a one man army and you want to become more productive, then this book is for you.
However, if you just want to know how to do a weekly review, then continue reading.
What will I achieve by reading this book?
The book is a hands on book, and you will find the material organized into several categories designed to walk you through the process
Heres just a taste of what youll discover
Secrets of time management expert Dr. Stephen R. Covey that few people ever know about
Youll discover in just a few short minutes how to become the productivity expert you have to be to make it in todays world
When and how to work on your life plan
How to make a real change in your life
The once famous but now forgotten secret that instantly allows you to find a balance in your life
These are the results you can have in your life TODAY.
Totally Free Deals
T-Mobile Nokia Lumia 925 Windows Phone $240 @ Newegg w/ code
Added on : Sunday March 09th 2014 03:00:03 PM
g: 0 Posted By: sneakymoose
Views: 139 Replies: 0 Newegg is currently selling the Nokia Lumia 925 for $239.99 (after $40 off using promo code CEWK728, ends 3/15). Shipping is included, as well as a (probably junky) iLuv speaker case.

Linky

This is the lowest price I've ever seen for this phone. I'm so tempted to upgrade, but I currently use the HTC Windows Phone 8X which isn't much different. The Nokia is better in several ways (extra Nokia apps, slightly better camera, way better support from its manufacturer, Wi-Fi Calling), but it's not $240 better.

T-Mobile and Microsoft Store are both selling this phone for $504.
Cell Phones Deals

Newegg Coupons
The D-Link DIR-815 Wireless N 300 Dual Band Router is a Wireless N compliant device that delivers faster speeds and farther range.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Cooper tire sale at Fleet Farm (80 rebate + 50 GC)
Added on : Sunday March 09th 2014 06:00:02 AM
g: 0 Posted By: lostjake
Views: 54 Replies: 0 http://www.fleetfarm.com/category/tires

Fleet farm has a $80 rebate from cooper plus a $50 gift card for purchasing tires. Often much cheaper than even the $100 DTD coupon code!
cheap P3 snack packs at target (ends SAT)
Added on : Saturday March 08th 2014 12:00:12 PM
g: 4 Posted By: lordoffire
Views: 1091 Replies: 10 Oscar Mayer P3 Protein Power Packs are on sale 2/$3 through 3-8.

Use the $0.75 printable from coupons.com (under food) and the 50% off cartwheel offer to possibly get them for free.
Both should still be active. Ad prints after ^coupon, so man the cancel button.

You will need a Target account, FB NOT REQUIRED. Show them your phone in store or print off your offers by going to barcode at the top of the page.

www.coupons.com
https://cartwheel-secure.target.com/offer/9325

You can use the cartwheel offer up to 4 times per transaction, up to 6 times a day. 24 items per day, per account if you were so inclined....




You don't get much....more in a lunchables.
Snacks Deals
Canon ELPH 115 $49.99 Target B&M 3/9-3/15
Added on : Saturday March 08th 2014 07:00:02 AM
g: 0 Posted By: TheBigCheese
Views: 210 Replies: 0 The title pretty much says it all. The Canon ELPH 115 camera is half price starting Sunday 3/9 at Target B&M stores only (i.e. not online AFAIK). The camera has a 16MP sensor and 8X optical zoom lens as well as image stabilization.

Also on sale is the Canon SX280 with 20X zoom and WiFi for $139.99.
Cameras Deals

Target Coupons
g: 0 Posted By: nthoangga
Views: 5 Replies: 0 I'm 24, non-US citizen. I just recently graduate my MS and starting a full time position. My monthly take home is $4750. I'm still living like a college student, so I'm roughly saving about $4k/month now.

I have maximized my IRA monthly contribution to my employers matching. What should be my financial move, from now? I don't want to contribute too much to any retirement account, because I want to have a big cushion that if for some reason I have to go back to my country, I still can withdraw those money without to much penalty.

Thoughts from FWF wiser very much appreciated! Thanks!
[Btw, I'm just starting reading The Boggle Head for Investing]
Personal Finance Deals
Up to 50% off Bags and Backpacks @ ThinkGeek - From $6.99
Added on : Friday March 07th 2014 07:00:03 PM
g: 0 Posted By: Virgil27
Views: 277 Replies: 0 Up to 50% off Bags and Backpacks @ ThinkGeek - From $6.99Fit as much nerd on the outside as you have on the inside of your bag or backpack ((hopefully you can find one that's bigger on the inside) with this deal for up to 50% off bags and backpacks at ThinkGeek starting at $6.99. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Luggage Deals

ThinkGeek Coupons
Should i move my stock investment to my parents?
Added on : Friday March 07th 2014 11:00:09 AM
g: 0 Posted By: hhjj134
Views: 33 Replies: 1 I have been doing pretty good in stock market in the past few years. Since I dont have much income as a student and my account was just some small numbers, tax was never a concern even I doubled the account.I started working last year and added some additional fund to stock account. With the work income and investment income start to getting big, I start to think if should change my tax strategy.
My parents has so much less income, so I am wondering if have my parents open an account and trade in there.

Here is our income info.
Myself: $70k
Dad: $26k
Mom: $45k

Assuming assume I make 20k a year. Should i move the investment to under one of my parents' name?
GM Card (from Capital One) Conversion Dilemma
Added on : Friday March 07th 2014 08:00:13 AM
g: 0 Posted By: trp2525
Views: 149 Replies: 1 I currently have the GM World MasterCard from Capital One. I have had the card since 1992 when it first came out. In 1992 I originally had the regular GM MasterCard, got upgraded to the GM Gold MasterCard at some point later on and then was further upgraded to the GM World MasterCard. I fall under the "old" program rules for this card which gives me 5% back towards the purchase or lease of a GM vehicle on up to $10,000 in purchases per year ($500 in earnings per year). I can accumulate earnings over 7 years for a total of $3,500 and I have no redemption limits based on the vehicle I choose to purchase or lease. After 7 years my earnings expire on a month-to-month basis. Right now I have $3,500 in earnings and I am losing earnings monthly as I have a total of 7 years of earnings accumulation.

I noticed that recently (October 2013) Capital One started offering a new GM World Elite MasterCardwhich had terms that were much better for my situation. The new card gives you 5% back on up to $5,000 in purchases per year and then 2% on all purchases over $5,000 with no limit on how much you can earn per year. The new card also has no redemption limits per vehicle and the accumulated earnings do not expire. You also get the World Elite MasterCard benefits package with this new card.

I called regular customer service to inquire about converting to the GM World Elite MasterCard and was told I was eligible for the conversion. I was transferred to the "Redemption Department" to find out the details as to how my current $3,500 in earnings would carry over to the new card. I was informed that only $500 in earnings would carry over to the new card and that I would have to forfeit the other $3,000. I decided to decline the conversion. It was suggested to me by the "Redemption Department" that I wait until I redeem my current earnings with my next GM purchase or lease and then do the conversion to the new card.

I later contacted Capital One Executive Offices regarding my situation and was told that there was nothing that they could do for me. They thanked me for being a GM Card holder for 22 years but the $500 earnings carryover limit to the new card was set in stone by their agreement with General Motors and they could not do anything else for me.
Credit Deals
g: 0 Posted By: unkinected
Views: 19 Replies: 0 So I've hit the income limit for contributing to a Roth IRA. I have a Vanguard Roth with about 16k in it (S&P index fund). I've been happily and automatically sending money to it each month, which I now need to stop.

Putting aside anyissues of over-contribution for a second (which may or may not be applicable - I need to do the math)...

My question is what should I do with the Roth account? The options I know about are a) recharacterize into a traditional IRA, and then go on happily contributing, or b) leave the account as-is and use the monthly contribs somewhere else. For background, I'm 35 andam currently putting into my 401k my company match plus 2.5%.

Recharacterize:
- I can keep contributing to a tax deferred account
- No tax deduction because my income is over the limit ($70k for a single in 2014), which negates any benefit for me today.
- I currently assume my tax bracket will be lower in retirement, so contributing here still makes some tax sense. This is a big question however...I'm 35 now, it's hard to guess where I'll be in ~30 years.

Keep as-is:
- Obviously I can't grow the account with contributions
- I'll get the money tax-free at retirement (which I don't think will be a ton, given the current relatively low balance)
- I can use the money I would be contributing tothe traditional IRA somewhere else.

I'm torn. Assuming my tax bracket is much lower in "retirement" then I think recharacterizing and continuing to put away money makes sense. All of my contributions should be non-deductible (assuming my income doesn't drop way down), which means only earnings are taxed (and I get a low tax bill). If I switch gears and add the money instead to my 401k, I save some tax today, but will pay for it when I withdraw. Alternatively, if I take the money and put it in long-term investments, my earnings will be taxed at long-term capital gains rates (let's assume ~15%).

A few questions: will my income tax rate in retirement be lower than the long-term capital gains rate? is the tax saved today in a 401k worth the tax when I withdraw?

Gah, so many variables, not least of which is I have no idea what life will be like in 30 years.

Would love to hear the forum's thoughts! Thanks!!!
Personal Finance Deals
$51k in bank, 24 years young... time to buy my own pad?
Added on : Thursday March 06th 2014 04:00:10 PM
g: 0 Posted By: tol835
Views: 209 Replies: 6 I have been racking my brain about the idea of buying my own place... please read on if you are also pondering this or have something to contribute!

I live in Chester County in Pennsylvania. I have 51k in savings, 7k in other fairly liquid assets (Also it is stuff I could part with) not including my car, and 12.5k in my 401k (current total contribution is 10%). My monthly take home is $3,106. I am currently paying $600 a month for a small room in a nice 2,000 sq. ft. three story townhouse worth about $260,000 with 2 other roommates that I tolerate but don't enjoy living with all that much. The one guy owns the place. EVERYTHING is included for the $600 and I am NOT in any type of contract. The house is 2 miles from the office which is the biggest benefit of living here. I have no other financial obligations besides my car and renter's insurance.I have a 2 year specialized technology degree and have been working full time in my career for 4 years at the same company.

I have looked at a few houses, and am considering purchasing a townhouse for around 160k, putting 20% down making the loan $128,000. In addition to annual property taxes of around 2-3k, I would likely have a monthly HOA fee of $125-$215.

I am very independent and like being in control and living with 2 roommates is starting to get very taxing on me. If I get lonely at my own place (Im not sure if this would happen or not) I could always rent out a room and also pay the mortgage off faster. Also, living with only one other person in the house who I can choose myself shouldnt be too bad if I vet and choose the right person.

Having said all that the obviously other choice is to rent a one (maybe two) bedroom studio apartment for around $800-$1,000 a month plus utilities so maybe $1,200ish. Thats double what Im paying now but would likely still be within 5-7 miles of where I work. The other big downside to this choice would be that I would be in a contract, so purchasing a house wouldnt be as easy when the time came. However, I would try to get a lease with an out provided I give the landlord a 3 month or so heads up.

Thoughts from the older and wiser would be much appreciated!
Real Estate Deals
g: 0 Posted By: Deals4mykids
Views: 214 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect this Card like cash. Lost, stolen or damaged Cards will not be replaced except in limited circumstances or where required by law, and only if the Card has never been used and with proof of purchase as required by PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
Credit Deals
cheap P3 snack packs at target
Added on : Wednesday March 05th 2014 05:00:09 PM
g: 1 Posted By: lordoffire
Views: 222 Replies: 1 Oscar Mayer P3 Protein Power Packs are on sale 2/$3 through 3-8.

Use the $0.75 printable from coupons.com (under food) and the 50% off cartwheel offer to possibly get them for free.
Both should still be active. Ad prints after ^coupon, so man the cancel button.

You will need a Target account, FB NOT REQUIRED. Show them your phone in store or print off your offers by going to barcode at the top of the page.

www.coupons.com
https://cartwheel-secure.target.com/offer/9325

You can use the cartwheel offer up to 4 times per transaction, up to 6 times a day. 24 items per day, per account if you were so inclined....




You don't get much....more in a lunchables.
Snacks Deals
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Have a PayPal Extras MasterCard, and are you trying to spend out points that you've accumluated? eBay gift cards were just reduced, and appear to be the best deal.
$25 eBay Gift Card
Price had been: 3,300 Reward Points
Price Just Reduced to 2,500 Reward Points



If you don't have a PayPal Extras MasterCard, don't bother getting one. Not the best reward credit card, and poor customer service. Also, points expire after 24 months. Some of us started using this card when we were tempted by $$ off intro deals on eBay.

"Shop eBay for an expansive selection of Tech, Fashion, Jewelry, Collectibles, Home & Garden, Cars, Parts, Sporting Goods, Media & much more. As the worlds largest online marketplace, you can find and buy practically anything on eBay.

1. You must have an eBay account and PayPal account registered in the U.S. to redeem this Card. For security purposes, a credit card or bank account may be required.
2. Valid only for purchases on eBay where PayPal is accepted. Gift Cards cannot be redeemed for purchases through eBay Express. Additional ineligible sites may be added. Please click here for the most current list.
3. Not refundable or redeemable for cash. As a security feature of this Card, upon first use this Card becomes non-transferable and attaches to your PayPal account.
4. There is no expiration date or Card fees.
5. Protect this Card like cash. Lost, stolen or damaged Cards will not be replaced except in limited circumstances or where required by law, and only if the Card has never been used and with proof of purchase as required by PayPal. A processing fee may apply.
6. Your use of this card indicates your agreement to be bound by these terms and conditions and those found here.
7. This Card is not a credit, debit, or charge card. No implied warranties attach to it. 8. Use of the eBay and PayPal services is subject to each companys respective User Agreement. Card users must be 18 years of age or older.
9. Invalid or unidentifiable Card numbers will not be redeemed. Allow up to four (4) hours from time of purchase for PayPals systems to recognize and accept this Card.
10. This Card may not be used to pay eBay or PayPal service fees.
11. No more than a total of $500 in Gift Cards may be used per eBay purchase. Further, unverified PayPal accounts are limited to a total of $500 in Gift Card purchases in any 30-day period and verified PayPal accounts are limited to $5,000 in gift card purchases in any 180-day period.
12. This Card is issued by PayPal Gift Card Services, Inc. which reserves the right to change the terms of gift card program at any time or to contract with a third party to administer this program.
13. Assignment Waiver: We may assign this Agreement at any time without notice to you. However, if we assign this Agreement, the terms of this Agreement will remain substantially and materially the same unless you are notified.
14. Arbitration: For any claim against eBay Inc. or PayPal Inc. for less than $10,000, the party seeking redress may elect to resolve the dispute through binding non-appearance based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15. Applicable Law: This agreement is governed by the laws of the State of California, USA, excluding choice of law principles.
16. No Warranty of Availability or Uninterrupted Use: From time to time the Gift Card system may be inoperative, and when this happens, you may be unable to obtain information about the balance on your Card and Card transactions, or use your Card to pay for purchases. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
17. No Warranty Regarding Goods and Services: We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased by you with your Card."
cheap snack packs at target
Added on : Wednesday March 05th 2014 04:00:09 PM
g: 0 Posted By: lordoffire
Views: 9 Replies: 0 Oscar Mayer P3 Protein Power Packs are on sale 2/$3 through 3-8.

Use the $0.75 printable from coupons.com (under food) and the 50% off cartwheel offer to possibly get them for free.
Both should still be active. Ad prints after ^coupon, so man the cancel button.

You will need a Target account, FB NOT REQUIRED. Show them your phone in store or print off your offers by going to barcode at the top of the page.

www.coupons.com
https://cartwheel-secure.target.com/offer/9325

You can use the cartwheel offer up to 4 times per transaction, up to 6 times a day. 24 items per day, per account if you were so inclined....




You don't get much....more in a lunchables.
Snacks Deals
g: 0 Posted By: KayK
Views: 6 Replies: 0 Map of US Economy Activity.. split 50/50 : http://i.imgur.com/9slRTRJ.png
Amazing to see how little area accounts for 50% of US economy.. Made me start to wonder if new cities popped up in the blue areas, how much more powerful US economy would be.

Map of highest paid state employee : http://i.imgur.com/NZXG0eZ.png
I knew before looking at the map that the highest paid employee was the basketball Coach, but I didn't know this was true for almost all of the states!

World divided into regions with GDP of 1 trillion dollars : http://i.imgur.com/NRefv2R.png
All of Africa consists of two regions. Japan by itself has over 5.
WV, half of DE, MD, PA, NJ, NY, CT, RI = All of Africa
Discussion Deals
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

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

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

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

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

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

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

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
g: 0 Posted By: LeonWhite38
Views: 221 Replies: 6 Im asking this for my mom so Ill try to explain her situation the best that I can. My mother owns her home outright, but she lets my brother and his family live there rent free while her and her husband rent a small basement apartment in town. I know thats extremely ignorant, but it is what it is. With that being said, shes about $20,000-$25,000 in debt right now and behind on her rent as well. Garnishments from a ghetto loan company called Springleaf Financial nearly wipes out each of her paychecks which just makes this whole mess that much harder on her.

She talked to a bankruptcy attorney and he told her that if she filed a chapter 7 she would lose her home as it would be sold to pay off her debts. She asked if she could put the home in one of her kids name and then file, but he said no as the bankruptcy court sees that as fraud and would instantly deny the bankruptcy. Her other option the attorney said would be to file under chapter 13 which is where her debt would be cut in half and she would be put on a payment plan through the court to pay back the rest of the debt.

The plus side obviously being that she would keep her home going this route. She asked me what I thought about her taking out a home equity lone or line of credit and I told her that Ive always heard that you NEVER EVER borrow money against your home for ANY REASON if its paid off. What do you guys think? To me going the chapter 13 route makes the most sense for her, but I wanted to get your opinions first. She's really hurting here folks and the rest of my family (I have 2 brothers and 2 sisters) really couldn't give a damn.
Personal Finance Deals
g: 2 Posted By: remick
Views: 217 Replies: 0 http://www.amazon.com/dp/B00D6ZU1NC

4.5 out of 5 stars (28 customer reviews)
Length: 518 pages

Michael E.S. Gayed clearly explains how this powerful combination of major schools of thought of market analysis can help investors dramatically improve their judgment on likely market performance and spot important trends, thereby making successful investment decisions.

Intermarket Analysis and Investing begins with an overview of investment analysis that examines types of risk and portfolio structuring. Then it moves on to the three prominent schools of thought in market analysis with discussions of:

1) Economic analysis, which is primarily concerned with the state of business, and anticipates phases of economic expansion and contraction by focusing on economic indicators
2) Fundamental analysis, the most widely followed and practiced form of analysis, it looks at the accounting and financial position of companies in an attempt to evaluate intrinsic worth and true stock value
3) Technical analysis or the market-timing school, practiced by "believers in the supremacy of trend analysis," and followers of the ticker tape, It is primarily concerned with the dynamics behind the fluctuation in the price of a stock

This book also examines the positive aspects and pitfalls to contrarian investing, top-down and bottom-up market approaches, comparative market analysis, and common-sense trend analysis.

By integrating economic, fundamental, and technical quantitative analysis into a sensible working framework, Intermarket Analysis and Investing exposes the inherent short-comings of relying too heavily or exclusively on any single approach. Each school of stock market analysis is thoroughly examined so that the reader can understand each approach and how it interacts with the others.

Part II stresses the economic by analyzing the most important aspects of the business cycle, the Fed's role in managing the balance of inflation and unemployment, and factors investors should watch to tame market risk and minimize loss during downtrends.

It is here that the importance of economic indicators is emphasized, with an in-depth discussion of the 11 leading indicators that monitor the economy and help the investor anticipate long-term business trends, the four coincident indicators that help verify the predictability of the leading indicators, and the lagging indicators that help spot emerging structural trends.

Part III discusses the use of fundamental analysis, which compares the growth and finances of different securities and industry groups. It shows how earnings, sales, book value, P/E multiples, leverage, liquidity, and/or profitability of companies are used to reveal the worth of a security as an investment. The commodities market and the effect of globalization of securities markets are also examined.

Part IV shows how quantitative market analysis aids active investors in determining the short-or immediate-term direction of stocks. Intermarket Analysis and Investing shows how to improve investment decisions by integrating the best features of fundamental analysis and some well-known market timing techniques described and illustrated in this section.

The final section of the book provides insightful investment strategies that are based on the intermarket relationships previously discussed. By integrating the methods described in detail in this book, investors stand a much better chance of profiting from market opportunities and of achieving their objectives.

Michael E. S. Gayed was a former senior market analyst at Merrill Lynch where he advised financial consultants on market trends, industry group perspectives, asset allocation, and investment strategies. Mr. Gayed frequently lectured on investment analysis and portfolio structuring at the New York Institute of Finance, Merrill Lynch Training School (Princeton), St. Johns University, New York University, and the University of Arkansas. During a New York Institute of Finance (September 1987) seminar, he forecasted the sharp October sell-off using the multidisciplinary approach explained in this book. Shortly after this, he authored Challenge of a Generation - Beyond the Crash of '87 which provided his analysis of the megatrends that he believed were likely to shape the global economy in the 1990's and beyond. He went on to form successful investment management companies. His son, Michael A. Gayed, wrote the foreword to the re-released 2nd edition of Intermarket Analysis and Investing, hoping to honor him and carry on his name in his memory.

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Free Kindle Book - 3250 Questions to Ask Before Marriage
Added on : Tuesday March 04th 2014 07:00:10 AM
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/3250-Questions-Ask-Before-Marriage-ebook/d...

"3250 Questions to Ask Before Marriage" is an essential guide for couples who are dating, engaged or getting married.

With an estimated 40% of all marriages ending in divorce, couples need to be sure they really know the person they are marrying and are well prepared to enter marriage as a lifetime commitment.

These pre marriage questions and fun relationship questions let couples really get to know one another. Couples can pick out subject areas where they believe they have the most conflict and ask each other those questions. When couples can ask each other questions and listen to each other actively, honestly, and openly, they gain insight into their partner's beliefs, values, goals, likes, and dislikes.

Couples who are able to openly, honestly and lovingly communicate with each other are the couples whose marriages have the best chance of success.

This book has questions on subjects that include work, money, sexuality, personality, education, health, children, religion, the past, entertainment, and much more.

The author also includes a bonus section of questions that include questions to ask your pastor, questions to ask his mother and his ex, questions for her dad to ask her partner, questions for men to ask themselves, and more.

When couples are able to explore intimacy with their partner, explore their own and their partner's thoughts and feelings, and understand their partner and themselves, they have a much higher chance of entering into a successful marriage that will last.
Totally Free Deals
g: 0 Posted By: remick
Views: 133 Replies: 0 Prospect & Flourish: How to Conquer the "Weakest Link" in the Sales Process (a guide for sales professionals and job seekers) byKeith F. Luscher
http://www.amazon.com/Prospect-Flourish-Conquer-Weakest-professi...

In truth, selling is anything but easy. But for professionals who understand and practice this from the heart, selling is easier! It is more naturalit is the result of building relationships.

There is plenty of information out there on how to sell. But to truly flourish, you must first prospect. Everyone has to prospect. Most people
hate to do it, and we believe that the five most common reasons why sales professionals dont prospect enough are:

They dont understand the value of what they are selling
They have a fear of rejection
They dont know what to do or how to do it
They are not motivated
They have a personal difficulty to overcome
Do any of these statements describe you? If so, you are not alone.

Indeed, it all truly comes down to sales, which cannot occur unless you keep your pipeline full. After all: The number one cause of FAILURE for sales professionals and job seekers is lack of prospects.
While you have plenty of resources and options at your disposal to learn more about sellingbut there is not enough out there to help sales people confront their fears and overcome their personal challenges when it comes to prospecting.
Until now.

Introducing the all new fourth edition of an intense, peer-reviewed, time-tested book on prospecting: Prospect & Flourish: How to Conquer the Weakest Link in the Sales Process. Originally created for use in the insurance industry, Prospect & Flourish is a comprehensive guide to business prospecting in all its forms. Readers will learn how to:

Become a networking maven, and build connections and relationships with people from across town to around the globe.
Develop centers of influenceoften the cornerstone of a healthy client portfolio.
Master the art of referrals and introductionswhich begins with knowing the difference between the two.
Establish their own trusted board of advisors, who can provide expertise, counsel, and yes, referrals.
Become properly scripted, so they will know what to will say before they say it when it comes to engaging prospects in all types of situations.
Get their foot in the door at companies where they do not have any prior connection (our secret: Use a Wedge).
Learn about networking and referral groups, and how to make the best use of them not just for yourself, but for your colleagues as well.
Learn to properly use social media, such as LinkedIn, Facebook and Twitter to engage prospects by delivering value while building a professional brand.
And much, much more. This all new fourth edition contains nearly 300 pages worth of tips, how-to strategies and resources that will enable you to Prospect & Flourish continuously every day!

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
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Name Your Own Price - Learn to Code Bundle (lecture series)
Added on : Tuesday March 04th 2014 06:00:10 AM
g: 0 Posted By: BradG49
Views: 157 Replies: 1 Found this on LifeHacker. Link"Here's what you get if you pay more than the average price (currently $11.18)

Become a Web Developer from Scratch ($199) 234 lectures and 41 hrs of HTML, CSS, Javascript, PHP, XML, jSON, AJAX, jQuery and the new HTML5 + CSS3.
Creating Responsive Web Design ($150) learn how to optimize your web pages for different screen sizes and platforms.
Build a Website from Scratch with HTML & CSS ($149) 77 lectures and 8 hours of content taking you from basic HTML and CSS to a beautiful, semantic web page.
Learning Dynamic Website Design: PHP, MySQL and JavaScript ($99) build functional, full-featured websites that utilize MySQL, PHP and other current web development technologies.
iOS & Mac OS X Programming Tutorial: Objective C & Xcode ($99) gain a solid understanding of programming for both of Apple's operating systems.
Web Programming with Python ($99) learn Python object-oriented programming techniques, the essentials of XML and how to work with Django.
Programming Java for Beginners ($59) over 115 lectures and 10 hours of teaching, covering object-oriented programming, classes, objects, loops, and much more.
PSD to HTML5/CSS3 ($39) learn how to slice up a Photoshop mock-up and hand-code a valid HTML5 and CSS3 website.

We're happy for you to just pay whatever you like for Programming Java for Beginners and PSD to HTML5/CSS3. But we've put these 8 courses together for a reason, and by beating the average price, you'll get a comprehensive bundle for a very low price."

--Enjoy

Services Deals
g: 46 Posted By: remick
Views: 2599 Replies: 10 http://www.amazon.com/Modern-Mixologist-Contemporary-Classic-Coc...

4.5 out of 5 stars (33 customer reviews)

Over the course of the past two decades, Tony Abou-Ganim has earned his reputation as one of the leaders in the craft cocktail movement. Through his work with food and hospitality legends like Mario Batali, Steve Wynn, and Harry Denton, Abou-Ganim has earned his reputation as "the Modern Mixologist," someone bringing the traditional art of mixology into the 21st century. Now, in The Modern Mixologist, Abou-Ganim has established the new standard in cocktail books a must-have guide to home mixology in a beautiful, coffee-tablesuitable format. Featuring gorgeous full-color photography throughout by the award-winning Tim Turner, this book instantly becomes the most beautiful guide to creating cocktails available anywhere. If you carry one high-end cocktail book, this is it sure to be a terrific gift item all year round.

Tony Abou-Ganim grew up in the bar business, learning the craft from his cousin Helen David at the Brass Rail Bar in Port Huron, Michigan, before going on to develop the cocktail programmes of numerous restaurants in San Francisco (working with Harry Denton) and New York (working with Mario Batali) and at the Bellagio Hotel in Las Vegas. He operates his own beverage consulting firm specialising in bar staff training, product education, and cocktail development, and also serves as the national ambassador of the US Bartenders Guild.



Vodka Distilled: The Modern Mixologist on Vodka and Vodka Cocktails
http://www.amazon.com/Vodka-Distilled-Modern-Mixologist-Cocktail...

4.8 out of 5 stars (4 customer reviews)

On the heels of the success of The Modern Mixologist: Contemporary Classic Cocktails, Tony Abou-Ganim has written Vodka Distilled as a companion piece focusing entirely on this clear spirit. It is a comprehensive look at the vodka marketplace, geared toward those working in the profession as well as the giant audience of vodka drinkers. This one-of-a-kind resource establishs a new standard in defining and understanding the world's most consumed spirit.

Vodka Distilled appeal to both enthusiasts and aficionados by explaining how traditional-style vodkasthose produced in Eastern Europediffer in character from those made in the West, and how different raw materials and distillation and filtration methods contribute to these variations in character. By breaking down the characteristics of each highlighted vodka, Abou-Ganim helps readers better understand, appreciate, and enjoy this noble spirit.



also free

Whiskey in a Jar: History and Cocktails For the Connoisseur
http://www.amazon.com/Whiskey-Jar-History-Cocktails-Connoisseur-...

In this book you will learn how whisky is made and the laws that govern it's creation. You will learn its history from the 12th Century to today. Most importantly though, you will have over 150 different recipes at your fingertips. I'm not talking about telling you how to make a Jack and Coke; These are some of the most interesting (and sometimes hilarious) recipes from bartenders around the world. By the time you've finished this book you will be an expert on the manliest of all the spirits.


The Ideal Bartender
http://www.amazon.com/Ideal-Bartender-Tom-Bullock-ebook/dp/B0084...


New on 3/4

Bartending Guide:How To Be a Professional Bartender and Comprehensive guide of hundreds of vintage and modern cocktails, shots, martinis and other ... Cocktails and Mixed Drinks, Bartending
http://www.amazon.com/Bartending-Guide-Professional-Bartender-Co...

This up-to-date, practical, and easy-to-use guide presents recipes for hundreds of cocktails and mixed drinks, plus step-by-step directions for making virtually every popular mixed drink, the book includes full coverage of all the basics of bartending, including equipment, ingredients, techniques, glassware, and garnishes.

Here Is A Preview Of What You'll Learn...

Popular Cocktails
Great Tasting Martinis
Shots and Bombs
Frozen Cocktails and Hot Drinks
Punch Bowl and Party Drinks
Proper Glassware

...And much, much more!

Interesting bits about cocktails, and also interesting cocktail recipes. Even the ones that are classic cocktails you've heard of have a little bit of a tweak here and there, in ways that make me want to give them another try. Seems like if you make a batch or three of the cocktails recipes, you'd get a handle on it enough to concoct your own, which is also cool. Every bartender should have this book.


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Would you take this job offer?
Added on : Monday March 03rd 2014 03:00:10 PM
g: 0 Posted By: t0pher
Views: 261 Replies: 9 Disclosure: I don't have an offer yet but I want to get some feedback in the event that I do get one this week.

Current Job

Senior Financial Analyst for a manufacturing company. I work in a good group and overall the stress level is pretty low. There are certainly some hectic times but those are few and far between.
$80k/year, no bonus, 45 hours/week 90% of the year (55+ hours the other 10%), 30 min commute in morning, 1 hour commute going home
Great relationship w/boss and as far as I can tell, he's grooming me to take over his old managerial position since he got promoted about a year ago. I don't know how long it will take to get the manager job, but I'm pretty sure that he wants me there. The company never hired someone to fill his old position. The group is smart and I like the work.

New Job

$85k base salary + $5k bonus for another Senior Financial Analyst position. I am estimating #'s here based on the feedback I've gotten from the recruiter.
New boss seems pretty good too. But I find that you never really know until you work for the company.
Hours will increase. 50+ hours per week. There will be some late nights and weekends.
30 min commute in morning, 45 min commute going home - not much of an improvement.
Growth prospects are worse - I'd be the junior man on the team and I guess I'd have to prove myself for several years before any consideration for a manager position, and even then, it may not happen.


The main reasons I want a new job are to increase my salary and decrease my commute. But the new job would be offset with more hours despite a higher salary. I've interviewed for many positions and the salary range for my position seems to be around $75k - $95k in my market. My current company treats employees well - lots of catered lunches, nice events like boat cruise for a night, baseball game, Cirque du Soleil, etc. I also get to take training if I want and get to go on a fun business trip once a year. When I first started 3 years ago, the company gave me $5k raise just 6 months into the job. They also promoted me at the 2 year mark with a raise. In total I've received $15k of raises in 3 years at my current job. I know most companies don't do this and I'd probably be going to a job where 2%-3% increases are the norm.

I've never used an offer to negotiate a higher salary at a current job. I'm willing to try it but I don't want to have my boss thinking that I'm a flight risk if I end up staying. I'm thinking if I get an offer I will present it to my boss in the most non-threatening way possible. What do you guys think?
Personal Finance Deals
g: 0 Posted By: hajohnso2
Views: 131 Replies: 0 It looks like Amazon is putting some of their older Eagle Creek items on sale. All three of the items listed below were reduced in price today, and according to camelcamelcamel, they are all at 52 week lows.The Tarmac series has pretty solid reviews. The wheeled tote not so much, but its also discounted big time.See below for details:http://www.amazon.com/dp/B005S8Y6U4- $99.98 - 46% offhttp://www.amazon.com/dp/B005S8YASM- $129.98 45% offhttp://www.amazon.com/dp/B005S8YCBW- $49.98 - 63% off
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Amazon Coupons
g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
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g: 0 Posted By: morecowbell
Views: 228 Replies: 0 linkage
gr0upon said: Iron Man Extreme Hero Remote-Controlled FlyerMuch like in the movies and comic books, this foam version of Marvel's Iron Man takes to the skies to vanquish foes and high-five geese immediately after. Powered by high-output twin engines, the miniature superhero climbs up to 300 feet into the air and cuts through the troposphere with its lightweight, durable material. With the custom-programmed controller in hand, command Iron Man to bank, soar, dive, and climb. Each battery charge allows up to 8 minutes of flying.

Flying remote-controlled Iron Man toy
Recommended for kids aged 8 and older
Easy to use by beginners
Soars up to 300' in the air
Flies for 68 minutes per charge
Made from reinforced structural foam
Lightweight yet durable
High-output twin engines
Built-in, rechargeable LiPo battery
Custom-programmed 2.4GHz controller
Steering mechanism with tight turning radius
Six AA batteries required (not included)
Dimensions: 12.31"x18.25"x3.19"


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Xbox One Media Remote $20 w/ FSSS or Prime
Added on : Monday March 03rd 2014 09:00:03 AM
g: 0 Posted By: Deals4mykids
Views: 87 Replies: 0 http://www.amazon.com/Xbox-One-Media-Remote/dp/B00IAVDPSA
$19.96 for the soon to be released Xbox One Media Remote at Amazon.com ; it's pretty much $25 everywhere else.
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Sallie Mae overcharge
Added on : Sunday March 02nd 2014 06:00:09 PM
g: 0 Posted By: Genetics
Views: 60 Replies: 0 I have been managing my wife's student loans and was able to get a loan on her car title for a much lower fixed rate than her Sallie Mae variable private loans (she still has loans through the department of education). Last month I payed off most of her private loans, but left a small balance because of the accruing interest until they got the check. I made the last payment through the website and distributed the money across the loans. Something weird happened and some accounts went negative while others had a balance, I called and they assured me it would be worked out within a month and the loans were paid. On 2/21/14 Sallie Mae took more money from my wife's checking account as part of the auto debit. I called, they apologized said it was their mistake but could not fix it until my wife called in and even then we would have to wait a month to get her money back or she would have to send them a bank statement showing the withdrawal (even though it is credited and all accounts are negative on their site). I mentioned to her that I made them aware of the situation and my wife will not be calling it was their mistake and they are aware that they have our money, and I mentioned that we would charge interest on the money that they took from us... I also wrote them a nice note on their facebook page..

question is... I know we will probably not get that interest, but I'm pretty ticked off at their practices not to mention how they never forgot to charge her interest... Should I pursue this to make a point or just let it go?

as of today we still do not have the money back in our account.
Personal Finance Deals
2.4GHz Wireless Optical Mouse Mice $5.99 free ship @ ebay
Added on : Sunday March 02nd 2014 06:00:04 PM
g: 0 Posted By: tommythe
Views: 139 Replies: 0 ebay linkcant beat it for $6 bucks shipped free and it has the small usb receiver that is much better for laptops the seller has over 10,000 of them sold~~Features:
1. 100% Brand New,quality is very high.
2. 2.4GHz wireless transmission up to 10 meters operating distance.
3. Built-In mouse memory, no recording is needed after battery replacement.
4. Including Scroll Wheel, Page Forward and Page Backward buttons for easy Internet Surfing.
5. Intelligent connectivity, no need to code, plug-and play.
6. Ergonomically designed, comfort grip.
7. With On/Off power switch.
8. Micro-receiver.
9. Decent and modern design.
10. Ideal laptop companion for home and office use.Specifications:
RF carrier: 2402-2480MHz.
RF operation channel: 16, auto frequency hopping.
USB: USB 2.0.
Operation systems: Windows 2000, Me, XP, Vista, Win 7 and Mac.
Power: AA battery (not included).
Rated operation current: 15mA, 1.5V.
Color: Black.
Mouse weight: 50g.
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eBay Coupons
Tax strategies for online merchants
Added on : Sunday March 02nd 2014 04:00:06 PM
g: 0 Posted By: Stallman
Views: 37 Replies: 1 I have a decent day job, but have always dabbled in one small entrepreneurial endeavor or another on the side. Last year, one of myideas did very well considering the time and effort I put into it. I am doing eBay/Amazon/etc sales and did I everjust get clobbered on taxes.I'd like to hear about what Icould or should be doing going forward toreduce my tax burden for 2014. I did not do much other than keepgoodrecords and file a Schedule C for 2013.

The first thing I can think of would be to reduce my self-employment taxes by forming an S-Corporation for this venture. Rightnow I have all my payments funnel into an online bank account set up specifically for these sales, it'sjust astandardonline personal account.Would I need to use a different business account for any reason?Would I have to have to notify eBay/Amazon for any reason. or can I still have the payments dump tothe one account.

I also set up a solo 401(k) for this business,that should help a bit as well on the income sideas well as getting me some moretax advantaged retirement funds. I set upthe fund in 2013, can I contribute to it from my sole proprietorship as employer matching funds (I max out my day job 401(k) already) , or do I actually have to be a corporation first? I figure ifI have to pay self employment tax, than I am already an employer...

Any other strategiesor discussion are welcome.





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Looking for Advice on Affordability of Home Purchase
Added on : Sunday March 02nd 2014 09:00:07 AM
g: 0 Posted By: BillRHIT
Views: 182 Replies: 7 Hi all, I have run a lot of numbers and am on the verge of making an offer on a home. I believe we can comfortably afford it, but would like to hear others opinions and see if I have missed anything. I acknowledge that we don't "need" this fancy/large of a house, but I would prefer to buy our "dream home" now as opposed to buying an intermediary home and in 5-10 years moving up. We live in the midwest (not Chicago), so housing is cheap here.

My wife and I make a combined $250K. ($200 for me, $50 for her). My job is as stable as I could hope for. My income could fluctuate year to year, but should generally increase over time. I'm a new partner in a well established mid size law firm.

We currently live in a $140K home and owe about $80K on it. In addition to that $50-60K equity, we have $450K in liquid funds and $300K in retirement savings. Both of our cars are worth about 25K each and are paid off, and we have no debt other than the mortgage. We currently have a two year old son, and hope to have one more child in the near future. Our current home is too small for a second child. We spend $1000 a month on child care and will send our kids to the local public schools, which are very good.

Home would be 600K, maximum. Property taxes are roughly 5.5K annually with $500/yr HOA fees. With a 200K down payment and a 4.125% 30 year mortgage for the rest I figure the payment (all in) would be $2500/month.

Our net income is about $160,000. This accounts for taxes, health insurance, HSA contributions, and maxing out retirement savings. Obviously this would go up if we were to take on the larger mortgage.

Based on this, the mortgage described above would be ~19% of our take home pay. We would still have 300K in savings (provided our current home sells quickly, which we expect based on it being in great shape and the cheapest home in a desirable neighborhood/school district). I expect to spend about 20K furnishing the new home in the next few months.

Am I missing anything? Thanks in advance for your thoughts. I know many may think this is too much house, and I hear that, but you could spend it in worse ways, right?
Personal Finance Deals
g: -1 Posted By: icecow
Views: 208 Replies: 1 This is a derivative of this Monoprice $15 off $50 thread:
http://www.fullofdeals.com/Monoprice-coupons/monoprice-coupon-15-o...

Apple's cables are too expensive and the generic versions I've tried always failed me or were too much trouble (torture). Monoprice always delivered quality cables on the handful I've ordered. Others swear by Monoprice cables including their Lightning cables, which are said to work flawlessly so I ordered some a few days ago and have received and tested them. Neither my retina iPad mini or my 5th gen iPod touch complain. No problems. They charge. They just work. They are listed as Apple Certified so they should.

I thought these lightning cables deserve their own thread. I assume many others have gone through the same generic Lightning cable hell I have, and these are about 30% off of 12.0x per cable=$8.50ish: CHEAP (plus tax and cheap shipping) = about $10.50 shipped per cable when buying 4 plus ~$2 filler to make $50 before $15 off.

You enter the code on one of the Last pages when checking out so don't be spooked that you don't readily see the box.

$15 off $50 code: BONUS15 is one per customer, but I noticed you can use the same name, address and credit card number as long as enter a different email address that is required on the Last page when checking out.

$10 off $30 code for new customers: TAXACT217

Link to Lightning Cables:
http://www.monoprice.com/Search/Index?keyword=Lightning
Lengths avail: 4 inch, 3 feet, 6 feet, 10 feet. Price range ~$12.00-$13.50 before discount.

Monoprice also has Apple 30-pin cables for about $4 before discount.



Electronics Deals

Monoprice Coupons
Capital One Direct Deposit Requirements - ACH count?
Added on : Saturday March 01st 2014 06:00:06 PM
g: 0 Posted By: riclufe
Views: 80 Replies: 0 I recently signed up for the Capital One Premier Rewards Checking account which has a host of bonuses for doing various things. One of the requirements is that one receives a direct deposit of $1000. Does anyone know if an ACH transfer from another bank would count or will they be able to focus in on it and only accept real direct deposits from an employer, etc.

Thanks very much.
Deposits Deals
Free JonnyIV Tee Shirt - YMMV
Added on : Saturday March 01st 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 113 Replies: 1 http://www.jonnyiv.com/

I don't know much about this site but supposedly when they get close to the launching, they will email you a promo code to redeem your free tee.


Clothing, Shoes & Jewelry Deals
Paying for Caribbean honeymoon and need a steal!
Added on : Friday February 28th 2014 06:00:17 AM
g: 0 Posted By: mazeroth
Views: 25 Replies: 0 My son is getting married this summer and my wife and I have decided to pay for the honeymoon. They need to take the trip from July 14-20, due to work schedules, and are set on the Caribbean. Im a complete tightwad and cant purchase things unless I know Im getting a killer deal but unfortunately, planning trips is something I dont do. Id like to keep the total under $4000 for the week, including airfare. Im not sure if an all-inclusive deal would be beneficial as they dont drink or eat much and that might be money wasted. I do want it to be a very nice, memorable trip.

If you guys know of any sites with great deals or a starting point on my journey to saving money Id greatly appreciate it!
Requests Deals
Rockstar Game Sale - Digital Download [Amazon]
Added on : Friday February 28th 2014 03:00:04 AM
g: 0 Posted By: Deals4mykids
Views: 112 Replies: 0 As much as 86% off.
Bundles like: Bully + Manhunt + Manhunt 2 + Midnight Club 2 for $6.99 (86% off)
Too many deals to list...

http://www.amazon.com/b?ie=UTF8&node=7266959011
Video Games Deals

Amazon Coupons
g: 7 Posted By: remick
Views: 1034 Replies: 9 http://www.amazon.com/Hoarding-Compulsive-Collecting--Cluttering...

4.7 out of 5 stars (7 customer reviews)

You're about to discover a proven strategy on how to overcome your hoarding issues for the the rest of your life. Millions of people suffer from compulsive hoarding and throw away their personal and professional success because of these issues. Most people realize how much of a problem this is, but are unable to change their situation, simply because it's been a part of their mindset for so long.

The truth is, if you are suffering from limitations because of your hoarding habits and haven't been able to change, it's because you are lacking an effective strategy and understanding of where your hoarding is coming from and why it is so hard to stop. This book goes into the causes and risk factors of hoarders, signs and symptoms of a compulsive hoarder, and a step-by-step strategy that will help you free yourself from your addiction and help you take control of your life.

Here Is A Preview Of What You'll Learn...

Understanding Compulsive Hoarding
Negative Impact of Hoarding Addictions
The Signs And Symptoms Of A Hoarder
How To Overcome Your Hoarding Issues Once And For All


Totally Free Deals
Best answer to CC app "investment income" question?
Added on : Thursday February 27th 2014 01:00:12 PM
g: 0 Posted By: dragonwagon
Views: 108 Replies: 2 I had a brief, friendly chat with a Barclay recon agent this morning (original app was a non-instant-decision) who asked me for more detailed information about my annual income. Specifically, she wanted to know how much was earned income and how much was investment income, and then wanted to know whether or not I actually spent the investment income.

I answered "no" to that question and everything went through after we split my existing line of credit off of another card, which is a fine outcome in my book. But is there a strategic "best" answer to the "actually spending the investment income" question? (In my case I feel I could honestly give a "yes" or "no" answer, depending on the perspective you take.)
Investing Deals
g: 9 Posted By: remick
Views: 1103 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

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


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

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

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

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Books & Magazines Deals
Duluth Trading Co., Buck Naked Underwear, $16.00
Added on : Wednesday February 26th 2014 11:00:03 AM
g: 0 Posted By: tntstitching
Views: 123 Replies: 0 Duluth Trading Co.'s Buck-Naked Underwear! Normally starting at $18.50-$22.00, now on sale for $16.00!!! Plus, free shipping on orders over $50.00 This is the lowest price that I remember seeing them. Although it kills me to spend this much on underwear for my husband, he LOVES them and they seem to last forever.

http://www.duluthtrading.com/store/mens/workwear/buck-naked-unde...
Clothing Deals
Question about American Opportunity Tax Credit (finance related right?)
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: beardeus
Views: 112 Replies: 2 Hi,
I actually tried to register at some financial aid/ college forums but both forums I tried aren't allowing me to apply. Something isn't working correctly.

Anyways here is my scenario. My wife finished school Spring 2013. The school billed her for those expenses December 2012 but it is clear she had tuition expense for 2013 but the college is not stating that she did. I know, from the horses mouth regarding ANOTHER scenario (IRS), that schools don't always report tuition expenses on the 1098 form correctly. The tuition expense were paid through student loans.

My question, is my wife's schooling in 2013 eligible for the American Opportunity Tax Credit? She meets all the other requirements.

Thank you so very much!
Tax Deals
Advice requested - Semi-Retired - When to circle the wagons?
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: eddot98
Views: 158 Replies: 5 My wife and I are 63 and 62 years old respectively. We do not have children and have no relatives that we need to provide for. My wife is retired, I am semi-retired. We own our home, own our 2 Camry's, have no credit card debt or any other kind of debt, and have a year's worth of emergency cash earning paltry rates of interest, but are the best available now. We have another year's worth of money in various stocks in taxable accounts. We have beencollecting my state retirement(for 4 years now)that provides 68% of my preretirement salary as long as either I or my wife lives. Unfortunately that amount is not indexed for inflation. We are not collecting Social Security yet, my wife never contributed, butwhen I am66.5 years of age (June 2017), we can collect another 42% of my preretirement salary, with my benefit and her spousal benefit. I have been working part time for the last 4 years, earning an extra 30 to 40% of my preretirement salary, but that is coming to an end very soon. We have $800K in deferred compensation accounts, Roth IRA's, IRA's, and a 401k.Three quarters ofthis money is invested in S&P 500 index funds, with almost all of the rest in the Fidelity Contra fund. I do not like Bond funds, never have.

The question I am asking the FW community finance experts is this: In my deferred compensation plan, there is a Stable Income Fund option, currentlypaying about 1.8% interest, pretty much its all time low due to the current financial conditions. Is it time to "Circle the Wagons", put about $600K into that fund and take a much lower rate of return to be assured that amount of money will be safe. As an aside, we are not extravagant, but live well enough, taking at least 3 timeshare weeks of vacation a year (sometimes flying to destination, mostly not), an off season 2 week trip to Europe yearly, and once monthly weekend trips to nearby destinations. We also have 1 million Marriott points. So, we are enjoyingourselves enough. I do not want the hassle of a second home either.
Investing Deals
g: 0 Posted By: remick
Views: 111 Replies: 0 http://www.amazon.com/Hoarding-Compulsive-Collecting--Cluttering...

4.7 out of 5 stars (7 customer reviews)

You're about to discover a proven strategy on how to overcome your hoarding issues for the the rest of your life. Millions of people suffer from compulsive hoarding and throw away their personal and professional success because of these issues. Most people realize how much of a problem this is, but are unable to change their situation, simply because it's been a part of their mindset for so long.

The truth is, if you are suffering from limitations because of your hoarding habits and haven't been able to change, it's because you are lacking an effective strategy and understanding of where your hoarding is coming from and why it is so hard to stop. This book goes into the causes and risk factors of hoarders, signs and symptoms of a compulsive hoarder, and a step-by-step strategy that will help you free yourself from your addiction and help you take control of your life.

Here Is A Preview Of What You'll Learn...

Understanding Compulsive Hoarding
Negative Impact of Hoarding Addictions
The Signs And Symptoms Of A Hoarder
How To Overcome Your Hoarding Issues Once And For All


Totally Free Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Need help with Condo Decision
Added on : Tuesday February 25th 2014 03:00:09 PM
g: 0 Posted By: kevb81
Views: 32 Replies: 0 As far as background, I am a 32-year old single male looking at buying a place in Jersey City due to how close it is to the city and how much I like the area (I rented there for a few years). I am trying to evaluate and make a smart decision - I am debating between 2 condos below.

One unit is right off a nice park park in a brownstone complex. The unit is good shape except the kitchen which has granite and updated cabinets but still has older looking (white) appliances (electric stove) and would be nicer if opened up so its not enclosed. The rest has some exposed brick accents, completely renovated bathroom with nice finishes, crown moldings. No washer dryer in unit (card system in the building) or real amenities. Right near the park but not directly over it so it shouldn't be too noisy. Parking is uncovered and part of the maintenance fee . The walk to the train is 14 - 15 minutes per google maps. $2110/mo including mortgage, hoas, taxes, etc ($383k)

The other unit that I was debating is in a more modern building (doorman, nice lobby and a common Courtyard
). 7 minute walk to the train in an arguably more happening area (more midrise condos). Open kitchen and nice finishes/fixtures. 2nd floor so not a ton of light despite being in a midrise building. No parking. I would have to rent for about $200/month in the building, so my total cost is about 3,020/month. ($460k)

Both are about 750 sf, 1bed/1ba. I am looking at ideally staying there for about 5 years when I settle down and need more space. My guy says that the appreciation may be better in the more expensive unit but I have never been one to bank on that.

Given that its a "starter home" should I get something more luxurious or something simpler but nice at good cost savings. I am grappling with it :/
Personal Finance Deals
FSBO TX Contracts & Title insurance
Added on : Tuesday February 25th 2014 03:00:09 PM
g: 0 Posted By: ymarker
Views: 69 Replies: 0 Anyone sold a house on their own w/o a Realtor in TX recently?

I found a link to TREC forms here.For a typical single family home, I imagine we just need Form 20-11One to Four Family Residential Contract (Resale). Any reason to pick one title company vs another? Who pays closing costs in tx? How much earnest money is commonly asked for?
Personal Finance Deals
newbie please help :(
Added on : Tuesday February 25th 2014 08:00:10 AM
g: 0 Posted By: michaelwoply
Views: 135 Replies: 1 Hello, I'm 35 and draw social security each month. I'm on Social Security and not SSI which gives me the ability to have assetts. Anyway, I'm pretty sure I have no credit but not bad credit. If I want to build credit by using a secured credit card how much of my social security should begin the card with? After medicair taken out I have 913 before bills and currently have 2,500 in a checking account. After bills I have 400 to save. I'm seeing some good options on sites that review cards but wanted to see what ya'll thought so I can make an educated decision. Also, any tips on how to use a card correctly would be much appreciated. I recently read that its best to use no more than 30% of your available balance at one time. Not sure what that means. I suppsose they're suggesting to only use 300 of a max limit of $1000 at one time? Thanks in advance, lol.
New User Question Deals
g: 1 Posted By: oxygenmm
Views: 284 Replies: 3 My quest for tires began when Goodyear quoted me $683+ tax for the cheapest tires installed I thought that was ridiculous so I started searching for a deal on new tires. I have a small car so I didn't want to order online and try to find a way to get my new tires to the installer. Than I found TireBuyer.com I called first with an arsenal of questions for them. They do not offer road hazard but said some installers offer road hazard, and the DOT codes were less than a year old. They explained that I had to pay for my tires immediately and they would ship directly to the installer I selected and I would pay install costs to the installer when I arrived with my car.

I was considering the following 3 types of tires
Fuzion Touring $58
Continental - ExtremeContact DWS $112.00
BF Goodrich - g-Force Sport Comp-2 $93.45

I decided to buy the cheapest ones they had solely based on price and the fact they are rated 4.5/5 stars from 774 reviewers. Only bad reviews were ice/snow which doesn't affect me in the south. If I had to replace 1 tire it would only be $58 + tax with free quick shipping to installer + $24 to install

My total price for 4 tires installed was $300
$ 232.00 - $20 off ( for signing up for newsletter ) - $11.60 (5% CB) = $200.40 + tax + $90 labor to install $300.00
http://tirebuyer.com/tires/fuzion/touring/p/tv103000021

If you don't know about tires you can learn about them here:
http://www.cars.com/go/advice/Story.jsp?section=maintenance&stor...

I am so happy with my purchase my car drives and rides so much better now. This was a wonderful buying experience and I wanted to share with everyone looking for tires and wanting to save money. I saved over 1/2 of what Goodyear wanted to charge me. I was skeptical at first buying online and shipping to an installer I do not know but I am soooo happy I did. I loved the installer they were quick and careful with my car. They mentioned they don't get many TireBuyer customers so I am on a mission to change that. My last tires were $600 cooper tires that the owner said were highly recommended so I bought them and they were crap I was so unhappy they were loud and miserable. The only good thing I had to say about the coopers was I only had 1 nail patched in 5 years. I only drove a few miles in these Fuzions and I can only say they are better than the coopers so far. I miss the Goodyear Eagle F1 GSD3's but I ate nails in those.
Tools & Automotive Deals

TireBuyer Coupons
g: 0 Posted By: Deals4mykids
Views: 73 Replies: 0 EnGenius ESR1200 Dual Band AC1200 GIGABIT Router for $69.99 + free shipping

About $20 less than going retail right now.

http://www.tigerdirect.com/applications/searchtools/item-Details...

Offers Wireless AC (lower-end speeds) and Gigabit routing. Haven't seen much of anything else come close to this price while still offering both of those features.
Supports local cloud management via USB harddrive.
Routers Deals

Tiger Direct Coupons
Motorola Moto G for Boost Mobile - $89.99 free shipping (ebay)
Added on : Tuesday February 25th 2014 04:00:08 AM
g: -1 Posted By: nabixlholdings
Views: 100 Replies: 0 LINK

Brand New, Sealed in Retail PackageAndroid 4.34.5" HD 720p Display with Corning Gorilla Glass5MP Camera with Panoramic and Continous Shot1.2GHz Quad Core ProcessorLong Lasting Battery (2070 mAh)Water Repellent Nano-CoatingFM RadioWi-Fi & GPS EnabledStereo Bluetooth 4.0 CapableVisual VoicemailAnd Much More!Includes: battery(non-removable), wall charger and Boost Mobile Services Guide. Boost Mobile Android Monthly Plan starts at $55 (This phone requires Boost Mobile's Android Monthly Plan)Boost Mobile limits the amount of phones a customer can purchase. These phones are not for resale and are for individual use only. Any orders that violate Boost Mobile's terms and conditions will not be shipped.
How to salvage current salary question AFTER interview?
Added on : Monday February 24th 2014 03:00:17 PM
g: 0 Posted By: nanoforfatwallet
Views: 294 Replies: 9 Hi I would really appreciate your thoughts.

I just had an preliminary phone interview with the VP of a policy consulting company that I am very interested in. I applied for a mid/senior level position (~$110 - 140k), but the company has also advertised a junior position as well ($100-110).

The interview went very well, and the VP extended an in-person interview. As we were wrapping up the call, she caught me off-guard and asked about my current salary. I did not think too much. I mentioned I would like a salary that is commensurate with my experience and job but was honest with my current salary which is about $93k (and forgot to mention bonuses which was about 15%). Also I didn't mention that since I am in a government leadership development program, so my current salary was non-negotiable.

I realize that I probably made a mistake by mentioning my current salary without expectations and put myself at a disadvantage. I am even afraid that they may only consider me for the junior position which is 3~4 less years of experience than I have.

Does anyone have a suggestion on how to salvage the situation?

Thanks in advance.



Personal Finance Deals
How to salvage current salary question AFTER interview
Added on : Monday February 24th 2014 02:00:10 PM
g: 0 Posted By: nanoforfatwallet
Views: 2 Replies: 0 Hi I would really appreciate your thoughts.

I just had an preliminary phone interview with the VP of a policy consulting company that I am very interested in. I applied for a mid/senior level position (~$110 - 140k), but the company has also advertised a junior position as well ($100-110).

The interview went very well, and the VP extended an in-person interview. As we were wrapping up the call, she caught me off-guard and asked about my current salary. I did not think too much. I mentioned I would like a salary that is commensurate with my experience and job but was honest with my current salary which is about $93k (and forgot to mention bonuses which was about 15%). Also I didn't mention that since I am in a government leadership development program, so my current salary was non-negotiable.

I realize that I probably made a mistake by mentioning my current salary without expectations and put myself at a disadvantage. I am even afraid that they may only consider me for the junior position which is 3~4 less years of experience than I have.

Does anyone have a suggestion on how to salvage the situation?

Thanks in advance.



Personal Finance Deals
g: 0 Posted By: Alimo
Views: 170 Replies: 4 A friend of mine recently asked me this question I really didn't know what to say. Let's say a merchant pays 2.9% in fees every time a customer pays with a credit card. Does the customer's issuing bank receive any portion of the 2.9%?

My (very basic) understanding of the parties involved:
Merchant - the seller (e.g. Burger King)
Customer/Cardholder - the buyer (e.g. me and you)
Payment Processor (e.g. Visa)
Processing Bank - the guy who the credit card swiping machine belongs to (e.g. Wells Fargo; we'll pretend Burger King's processing Bank is Wells Fargo)
Issuing Bank - the bank I got my credit card from (e.g. Chase; if I have a Chase Freedom card, Chase is the Issuing bank)

If I go to Burger King and pay for my meal with a Chase Freedom card, does Chase receive any of the 2.9% fee that Burger King is charged? Does anyone know how much of the 2.9% each of the parties involved receives?

The reason for the question is, when applying for a credit card, only the issuing bank offers cardholders any bonuses (like 50k points with $5000 spending). Further, if the issuing bank is receiving little to none of the 2.9% fee, what incentive does the issuing bank have for offering $300+ sign-up offers to people with excellent credit (i.e. people who Chase will never profit off of because they will never carry balances, pay interest, or pay any late payment fees, etc.)?

Thanks!
Alimo
Credit Deals
TSA Pre-check walk-in - no appointment
Added on : Sunday February 23rd 2014 10:00:12 AM
g: 0 Posted By: duhmel
Views: 38 Replies: 0 Most of you probable know about the TSA Pre-Check program wher for a fee of $85, you get to ge through the Pre-Check line (no taking off shoes or taking off jacket, etc) at the airport for 5 years.

http://www.tsa.gov/tsa-precheck/application-program

Enrollment in this program requires you to do a face-to-face interview at centers across the country. When I tried to schedule an interview in the Los Angeles area I always found that I had to wait for over a month for a scheduled appointment. Finally I just bit the bullet and went to a center to do the interview on a stand-by basis. I went in at 9:00 in the morning to Signasl Hill and surprise, had to wait less than 5 minutes. The interviewer told me that 15 minutes was the norm for walk-ins early in the morning - much better than waiting nearly a month for a scheduled appointment.
Air Travel Deals
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

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


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

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

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

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
g: 1 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/Breastfeeding-Problems-Tracy-B-ebook/dp/B0...

Breastfeeding is natural, but it does not always come naturally to Mom. This book will help mothers with specific breastfeeding problems, and help those who want to breastfeed longer.



Feeding Baby: Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
http://www.amazon.com/Feeding-Baby-Including-kitchenware-schedul...

Once you become a parent you realize that you have taken for granted the complexity of something as simple as nourishing your body. All of that confidence and certainty on how to eat goes right out of the window once the reality that you have to feed someone else sets in - and that someone is your brand new baby that means the world to you. This book is the book that all parents look for once that reality sets in but until now was unavailable in one location.

Cynthia Cherry has written this very informative book providing everything you need to know to feed your child from newborn to 24 months of age.
Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
Feeding Baby is written in an easy to read and understandable style.
In a straight forward, no nonsense fashion, Cynthia Cherry covers all aspects of feeding you baby. The book is full of sound advice and answers to all of your questions
Books Deals

Amazon Coupons
2013 vs 2014 new vehicle
Added on : Saturday February 22nd 2014 10:00:08 PM
g: 0 Posted By: JerryNC
Views: 0 Replies: 0 I am comparing a 2013 vs 2014 Mitsubishi Outlander. Although revamped significantly for 2014, the dealer has them priced very similarly.

2013 sale price $23,210 - $3000 rebate
2014 sale price $23,996 - $2500 rebate

How much of a discount just for being a one year old new vehicle should I expect in attempting to buy the 2013?
Looking for property tax assistance....
Added on : Saturday February 22nd 2014 04:00:09 AM
g: 0 Posted By: ZDog377
Views: 129 Replies: 2 Hello everyone,

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

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

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

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

Please let me know if any more information is needed.

Tax Deals
Recommend Las Vegas Website
Added on : Friday February 21st 2014 11:00:08 AM
g: 0 Posted By: bandyopa
Views: 43 Replies: 0 What are the best sites to get information about Las Vegas shows, buffets, hidden jems, etc? There are so many forumscomes-up inGoogle search. Which are the most useful and resourceful (something like FatWallet forums or FlyerTalk forums)?

Thanks very much.

Tintin
renting in florida
Added on : Friday February 21st 2014 04:00:13 AM
g: 0 Posted By: dfre4
Views: 88 Replies: 0 hello,i'm italian.i'm relocating in florida in less than 1 year.i see that if i invest some dollars(i still don't know how many)i can get a investors visa.
do you know how much i have to put down?
what do you think about my plan:
i form an llc
i buy 5-6 condos(this is what i can buy using about the 75% of my cash)
i rent them
i pay taxes
thaks for any help
Personal Finance Deals
How to profit from move from Europe to USA
Added on : Thursday February 20th 2014 11:00:06 PM
g: 0 Posted By: Lamentablemente
Views: 7 Replies: 0 The thread about profiting from a trip to China (http://www.fullofdeals.com/forums/finance/1342755/ ) got me to wonder how I can profit from my upcoming move from Europe to the US. My company will pay for me to bring up to 20,000 lbs back with me, and I own next to nothing. Any advice about European goods that would resell easily in America for a profit and be worth the effort? Meat and dairy products have to jump through hoops and fees to enter legally, so I will avoid those. Im bringing back gallons of cheap, high-quality olive oil for my family, but I dont think theres much of a margin there.
Thanks, Lamentablemente
Discussion Deals
Staples B&M Lighting Clearance
Added on : Thursday February 20th 2014 12:00:09 PM
g: 0 Posted By: Wizard83
Views: 260 Replies: 0 With Thanks to JayScott over at SD

~~Staples Lighting Clearance - 50% B&M only most selection varies from store to store!!


StaplesBrick & Mortar Stores are running a clearance on their lighting, most being 50% off. There is a wide variety of lights, with some stores having alot and others not as much but worth a look if you need a light! They have desk, clip, floor, spotlight, magnifier with built in lightExamples:Black Gooseneck CFL Clip or Desk Lamp 6.00
Black Halogen Desk Lamp 15.50

Might be a good way to burn some rewards

Cheers

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Staples Coupons
Enviro Bath Dechlorinating Filter $21.82 reg 43.99
Added on : Thursday February 20th 2014 05:00:15 AM
g: 0 Posted By: amythst63
Views: 180 Replies: 0 New Wave Enviro Splish Splash Bath Dechlorinating Filter
Protect Yourself & Your Family From the Harmful Effects of Chlorine!Dechlorinates in Just Minutes!Remove the harmful effects of Chlorine from your bath- Enjoy a healthier bath experience with natural-feeling, rainwater-like freshness! Enjoy softer skin & hair.Why Remove Chlorine From Your Bath?
Chlorine is a highly toxic element, used extensively in WW1 as a chemical warfare agent. Today it is used primarily to chemically disinfect water. It is very harsh, attacking organic material, damaging living cells & stripping proteins from your skin & hair, leaving it dry & itchy & irritating sensitive areas. Removing Chlorine helps to protect your skin & hair, leaving it feeling softer, much like bathing in fresh rainwater.Chlorine-Free Living



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Filter Effective For a Year of Average Use
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Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

Question Deals
Thinking of accepting an offer in CO -- Moving from Chicago
Added on : Wednesday February 19th 2014 12:00:04 PM
g: 0 Posted By: musicmaster
Views: 182 Replies: 4 Background on me: Male, 24, Single. Grew up and live in the Chicago Suburbs. Been at my current position for 20 months. Current position is in the marketing field at a F500. Current pay is 48.3 + 2k bonus + 4.5% 401K match and $1300 HSA funds per year for a total of about $53,700. I will get a 3% raise in May, making it about $55,000 even. I'd be looking at leaving my current company in the summer. I'm underpaid for my position by around $7-10,000, if not more (depending on the company. I had a co-worker leave for a position at another company for $66k+benefits with similar experience). I receive 10 vacation days per year. The company is older with very little employee development or sense of community and there is a decent amount of turnover

I have about $68,000 saved between a Roth IRA, 401K, mutual funds, stocks and my checking account.

I had applied to a position near Boulder, CO in January when I was out there for vacation. I've made it through the interview process and they presented an offer, contingent of me visiting the company. Their offer was $55,000 +2,000 relocation but they don't have HSA funds nor a 401k match. They do offer stock options though, but I am not sure of their value yet. Essentially, the situation seems to be a wash as far as salary goes. Cost of Living in the Boulder area doesn't seem to be any less expensive than Chicago suburbs.

The positives I see are: The company is much more transparent than my current one - smaller, much better work-life benefits (biking to work, younger co-workers, free lunches, 8:30-5, unlimited vacation) and the position is exactly what I'm looking for. Colorado is also much more outdoorsy than Illinois and I am a marathon runner and love hiking and camping.

The negatives I see are: No real increase in salary. If I stay in IL and get another job, I'd be looking at a 10%+ increase. I'm lucky and have been able to save about $1,000 salary per month (sharing rooms, being frugal etc) on top of my 401K. The additional $5-10k I would get staying in Chicago would go straight into savings (mutual funds). I also leave behind my friends and family.

From a financial aspect, it doesn't seem to make sense to move to CO. Even if they bump the salary up $2-3,000, I'd probably go back to IL to visit my parents 4-5 times per year, which at $300 per ticket, would cut my salary increase to only $1,500. From a work environment it's 100x better. For the outdoor opportunities, it's much better. Obviously I'd eventually make friends. One thing that worries me is the "Menver" comment about CO. I'm not a party person. Hell, my group of friends and I haven't been to the bars since New Years. So meeting people would be organic through running clubs and biking clubs etc.

Thoughts?
Personal Finance Deals
g: 0 Posted By: marshmellobbq
Views: 170 Replies: 0 Hello Fat-Wallet Family (or should I say Fat-Wallet-eers),

I bought a decent company laptop 3 years ago (HP ProBook), but the hard-drive stopped working. It would probably be $300 to repair professionally, and instead of repairing a company computer on my own, my boss gave me $650 budget to buy a new laptop. I've been browsing since yesterday (probably a little too much browsing)...

I was looking for 8GB RAM, and anything over 2GHZ speed. I think I just found what I'm looking for (and well below the price of similar laptops).

PRESIDENTS DAY SALE:Toshiba Satellite S55-A5294 Laptop Computer With 15.6" Screen & IntelCore i7 Processor (2.4 GHz)With Turbo Boost Technology
Linky:http://www.officedepot.com/a/products/419357/Toshiba-Satellite-S...


Item# 419357 Manufacturer # PSKJJU-014009 processor brand Intel processor model Core i7-3630QM diagonal screen size 15.6 inches memory 8 GB hard drive capacity 750 GB screen resolution 1366 x 768 weight 5.3 lb touch-screen no maximum battery life 3.7 hours optical drive DVDRW/DVD-RAM/DVDR Double Layer operating system Windows 8 processor speed 2.4 GHz memory speed PC3-12800 memory type DDR3 SDRAM maximum memory capacity 16 GB wireless connectivity 802.11b/g/n wired connectivity 10/100/1000 Ethernet modem no modem front camera/webcam yes numeric keypad yes ports 2 USB 3.0; 1 USB 2.0; 1 Ethernet; 1 HDMI; 1 VGA 15-pin D-sub memory card reader Yes integrated speakers Yes audio hardware Harman/Kardon speakers; DTS Studio Sound peripherals included none hard drive type HDD (hard disk drive) segmentation Professional form factor laptop computer warranty length 1-year limited brand name Toshiba manufacturer Toshiba model name Satellite S55-A5294 Ecolabel ENERGY STAR; EPEAT Gold postconsumer recycled content 0% total recycled content 0% 5500--Web Image Object Name 419357_p_toshiba_satellite_s55_a5294_front.eps 5510--Web Image Sku Description Toshiba Satellite S55-A5294 Laptop Computer With 15.6" Screen & Intel Core i7 Processor With Turbo Boost Technology 5590--Web Image Workflow 10/29/2013 at 13:37:42 : Asset Approved. gift yes operating platform Windows processor type Core i7 video hardware Intel HD graphics with shared graphics memory

It's in-store pick up ONLY, so I did have to pay sales tax, but the price is still WORTH it.
Subtotal: $569.91 Tax: 54.14 Delivery Charge: 0.00 Misc.: 0.00 Total: $624.05


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Adding an addition onto my house - Questions. Am I going about this right?
Added on : Wednesday February 19th 2014 03:00:11 AM
g: 0 Posted By: NonReturnable
Views: 104 Replies: 4 I own a 1300 sqft 3 bedroom, 1 bath house.

I would like to add an extra bathroom onto the master bedroom.

2 reasons - I am sick of walking downstairs in the middle of the night to go to the bathroom. Also, we would like to move to a larger house closer to my job in 3-4 years or so (waiting for wife to finish college and get a secure job). I have been watching the houses for sale in my area for the last several years, and its seems like the houses that sit on the market and never sell have 2 things in common - single bathrooms and tired, old looking kitchens. I've updated my kitchen with tile floors, new appliances and new counter tops.

My house has 2 floors. The second story is not the full width (front to back) as the 1st floor. The only thing upstairs is my office and our master bedroom. These are over top of my living room and kids' room. I would like to add a 2nd floor over the back part of my house (dining room and kitchen).

I originally was going to just do a 15 foot wide dormer, however I have had a General Contractor come out to give me an estimate, and said it would be much easier and cheaper to build the addition to the existing corners of the back of the house, as it would not require as much reinforcing if he used the existing corners. This would not just give me a bathroom, but if we go this route, it would give me enough space for a small 4th bedroom, master bath and walk in closet. This would easily increase the value of my house by 25%.

So, here is where I am at -
I have several GC's coming to give me estimates on framing in the addition, putting a roof on it, and siding the outside. That is all I want. I can do everything on the inside. I have drywalled several other rooms (used to be plaster), I have experience doing electrical work, and I have a friend that is a plumber that said he would help me with adding the drain and water lines. In my county I do not have to get permits. I know this is weird, but they only require permits for anything that is a 3 family building or larger (eg, apartment). I've confirmed this by calling the courthouse and asking.

I went to Menards and priced everything I would need for the bathroom. It came to right around $1000 for a shower stall (I want a 3/4 bath), toilet, sink, plumbing materials, etc. I don't plan on making this super upscale, just using contractor grade materials, as in my area there isn't enough market demand for these items. Drywall and electrical materials will run me around $400. Insulation about $150.

I had an HVAC unit installed 6 years ago, and to be honest, I got kinda screwed. Its not powerful enough. When it gets in the upper 90s, it can only keep the house around 75, and the 2nd floor gets into the 80s, so we use a window AC in the master bedroom. I plan to reroute the return that goes to the 2nd floor to pull from my living room, and the forced air line to a bedroom that currently doesn't have a forced air line. I'll install a 2-ton Mitsubishi mini-split HVAC unit to cool and heat the 2nd floor. These run around $700.

I plan to take these numbers (after I sort through everything and make a nice spreadsheet) along with 3 estimates from different contractors on framing in the addition to my bank, to attempt to refinance my house and get a home equity loan to pay for the addition.

I paid $75k for the house in 2008.
I currently owe $66k on a 30 year mortgage.

Since I purchased the home, I have put about 20k into upgrades (laminate floors, HVAC - it only had electric baseboards when I moved in, split up a massive 15x20 laundry room to make a small utility hallway and a 3rd bedroom, etc)

I would like to get the house re-appraised to take the upgrades I've done into account, however I will have to pay for it because the bank will only do drive-by appraisals, not one where the guy comes in.

Should I pay for the appraisal before or after I talk to the bank?

Basically I want to go to the bank and say:
I owe 66k
The house is worth $X (somewhere in the mid $80s most likely, based on what my neighbor who is a Realtor says)
I want to do the following upgrades that will cost $Y and afterwards the house will be worth $Z.

So, how does this work? How can I get a loan on the equity between what I owe and what the house is worth?

What is the best way to go about this?

I would appreciate any advice that will get me moving in the right diection.

Thanks guys!

TL;DR - Want to build an addition on my house. Talk to me about how to best approach a home equity loan.
Question Deals
Rosetti Women's Sue Ann Shopper $9.99 at Sears free pickup
Added on : Wednesday February 19th 2014 03:00:08 AM
g: 0 Posted By: ArtieLange
Views: 130 Replies: 0 Rosetti Women's Sue Ann Shopper $9.99 at Sears free pickup

http://www.sears.com/rosetti-women-s-sue-ann-shopper/p-088VA5586...






f you live by the motto shop till you drop, then Rosetti's Sue Ann shopper is the bag to sport on your spree. This women's faux leather purse boasts comfortable double straps, a secure zip-top closure and a classy contoured design for a stylish, no-nonsense approach to sweeping the stores and scoring the deals. You'll appreciate this practical accessory so much, you just might want to take it to work, too!

Double straps
Zip top closure
Man-made materials
Care: Wipe clean
Imported

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Sears Coupons
g: 0 Posted By: sherryillk
Views: 224 Replies: 1 I remembered answering a survey for the Sports Illustrated Swimsuit edition last year so on a lark, I downloaded this year's edition on the iPad and lo and behold, another link to a survey for a $5 Amazon gift card. It was on the 2nd to last page of the magazine, right before the credits and clicking on it takes you to a page to put in your email to receive the link to the survey. I got the email to the survey immediately and the survey itself was pretty much exactly like last year's (asks you if you remember certain articles, pictures and ads, and your opinions on them) and took me about fifteen minutes to answer.

After that, the email to the Amazon gift card came pretty immediately after as well. The link I was given to the survey was specific to my IP address so I doubt it'll work for anyone else. But if you have a subscription to Sports Illustrated, you get the digital editions free so I would check if guys find the same offer.
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g: 0 Posted By: NantucketSunrise
Views: 222 Replies: 8 Fortunately, my teeth are in really good condition. Most dentists I have gone to in the last few decades have told me I just need onecheckup/cleaning a year, although of coursesome of them have saidthat having a 6-month checkupis always recommended.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
Personal Finance Deals
First Time Homebuyer- Newbie Mortgage Question. ARM or Fixed?
Added on : Monday February 17th 2014 03:00:14 PM
g: 0 Posted By: saavyfw
Views: 130 Replies: 5 Pre-approved for $175K, 30 year fixed @5.5% 100% financing with Navy Federal and plan on staying in the home 5 years or less. I am exploring all options and don't know too much about mortgage rates and options so looking for some advice. I have excellent credit.

My question is which loan type is best for me? I never really considered the ARM but would this be the best option in my case? If so, what type of ARM and should I go with Navy Fed or Pen Fed? I think Navy Fed has a slightly better 5/5 ARM rate as of this posting. Thanks!


Real Estate Deals
Alum. Cargo Carrier for 2" Receiver Hitch $44 @ HD B&M
Added on : Monday February 17th 2014 02:00:03 PM
g: 0 Posted By: momoman
Views: 278 Replies: 0 link
I saw this TriCam 2" receiver hitch aluminum cargo carrier at Home Depot during the Xmas season for about $79. They weren't selling very well and I went today and they still had about 5 left and the price has been reduced to $44. It still sells for $99 online. Harbor Freight hasa similar one for $99 on sale less any coupon, but this one is much cheaper than the HF one.

sku: 315230 upc 722571009113


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g: 0 Posted By: iowahawkeye
Views: 275 Replies: 0 offer link

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Services Deals
g: 0 Posted By: VirtuaL
Views: 165 Replies: 0 http://www.officedepot.com/a/products/685622/GorillaDrive-Rugged...

Seemed like an interesting product, and price-wise not much more than regular USB 2.0 flash drive sale prices.
USB & Flash Drives Deals

Office Depot Coupons
g: 0 Posted By: Deals4mykids
Views: 65 Replies: 0 HOT! DieHard Gold Portable Power 950 with JumpStarter DC & USB Power Source - for $61.99 + Free Shipping

Here is the scoop on jump start packs

1. Unless you buy a jumper packe that specifically states the battery can be replaced you have to realize this will become junk after a couple of years
2. You have to keep a charge on the gell cell battery that is in a jumper pack or it will not last. This means bringing it inside to get a full charge routinely even if it is not used. (every other week)
3. I live in Florida where the heat robs the life out of batteries. Leave this in a locked car where the temp is 20-40 degree higher and battery life is shortened.
4.There are electric components inside the device. The heat from the car melted the onboard flashlight on my last pack. Expect heat and moisture to compromise circuitry
5. New Gel cell batteries cost about as much as this whole unit
6. Made in China or not if the Western company specify cheap it will be made cheap
With this knowledge you have to decide if a Jumper Pack is right for you.

http://www.sears.com/shc/s/p_10153_12605_02871987000P

This DieHard Portable Jump-Starter and DC/USB power source has two 12V DC power outlets and one USB power outlet. This 18Ah non-spillable AGM battery also offers a variety of features including a clear digital display, ON/OFF jump start switch, reverse hookup alarm, spark-resistant jumper clamps and much more.
950 Peak Amps
Tools & Automotive Deals

Sears Coupons
How does a car lease rebate work (and other questions)!
Added on : Sunday February 16th 2014 10:00:12 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 105 Replies: 0 Hi all, will be looking forward to your helpful and knowledgeable responses!

We have decided to lease through Ford, using Z plan pricing. I have read pros and cons of leasing (a lot right here at FW!)but this is the way we need to go right now for the vehicle that best suits our current needs.

This vehicle also has a $2000 leasing rebate. How does that work?Has that in any way, shape or form been applied towards the overall purchase price if (for some reason) we were to purchase at end of lease?

We are also struggling with whether to go with 12K miles per year or 15K. Price difference is $18/month if I remember correctly. If we go with the 45,000 3 yr lease, then we may very well end up outside of the 36 month/36,000 mile bumper-to-bumper warranty. Apparently for $600 or so we could purchase an extended warranty to cover those 9K miles -- do you think we'd have the opportunity to purchase this later in the lease but sometime before the 36000 mile deadline?

Myhead keeps spinning trying to anticipate the future. I figure if we go in with the (not popular) intent to buy later, we can definitely bypass purchasing the extra miles (saves $648), not worry about Ford WearCare (saves $750), and also not worry about extended warranty (saves $600) while leasing. We both currently have vehicles, adult children are out on their own! Semi retired, with jobs within 28 miles round trip.

I am also thinking that depending on how the $2,000 'leasing rebate' works, we may not be that far behind the game when factoring that in along with Z plan price. Whether or not we would be still eligible for Z plan years down the road is an unknown.

Sorry if I am asking too much or being confusing -- Thanks for helpful insights

p.s. Am still trying to understand Ford WearCare. Seems like Ford has a rather generous lease turn-in condition program. And, WearCare doesn't come into play if damage is 'accident-related' -- so what would be instances when we would be glad to have it? [side note: leather interior]

Question Deals
ACA ("ObamaCare") Payments for Fun & Profit
Added on : Sunday February 16th 2014 08:00:11 AM
g: 2 Posted By: EricGo07
Views: 172 Replies: 1 I recently paid a monthly health insurance (HI)premium by credit card, and was very happy to find that I received rewards for the payments. Nice, but it gets so much better than that:

I was able to pay 3 months ahead of time. My intent was really only to make payments convenient for me, but now that I know that payments can be time shifted, I can receive a discount of 10-20% by doing the following:

Wait for a juicy credit card offer that requires thousands of dollars of purchases within a short period to receive an award that amounts to a discount of 10-20%;
Set up my HI payments to not include the monthly ACA credit.
Pay months of HI to match the CC rewards requirements.

My example: My annual HI plan costs about $8000 a year.
I will pay it with a CC or three that offers say a 15% rewards offer
Presto! $1200 of rebate money.

This of course only works for people who can wait for the ACA credit.
Tax Deals
Free Kindle Book- Popular: Boys, Booze, and Jesus (was $14.99)
Added on : Sunday February 16th 2014 04:00:07 AM
g: 0 Posted By: remick
Views: 219 Replies: 0 http://www.amazon.com/Popular-Booze-Jesus-Tindell-Baldwin-ebook/...

4.9 out of 5 stars (43 customer reviews)

My heart is for teenage girls because my story is much like so many of theirs. I was just a girl who made a lot of mistakes. I was a girl who had sex before marriage and then had a broken heart. I was a girl who did drugs and drank to fill the void that was deep in my heart. I was a girl who was desperate to be popular. A girl who, like so many others, didnt know the dark side of sin. So my aim is to reach teenage girls, and through an honest account of my darkest sins, show them what they are up against. My heart is that teens would hear my story and flee to Christ. My greatest desire is that God would be glorified above all else.

Through a two-part journey (Dark and Light), Tindell details how she said goodbye to her familys God and pursued popularity at all costs while climbing the social chain in high school. During a night of partying, she even encountered the man suspected of killing Natalee Holloway in Aruba. But God did not leave Tindell. The Light part of her story shows how she reconnected with God, changed her ways, and discovered abundant and real life through Christ.
Books Deals

Amazon Coupons
bank is blocking my online access until I share my phone number
Added on : Saturday February 15th 2014 06:00:11 AM
g: 0 Posted By: DaveyOsbourne
Views: 39 Replies: 2 Has anyone encountered this before? My online access was working fine for years, then out of the blue I login and I am forced into a verification loop where I must reveal my private phone number. This is the 2nd bank I've seen do this.

I will only trust businesses with a pure voicemail number. I'm human... their machines can talk to my machine. Problem is, the challenge-response phone verification won't work with voicemail - they expect a human to answer, and be logged in, and dial back codes. I am unwilling to break my trust model for this bank. I find it disturbing that they assume their clients necessarily have a US-based voice DID number. Who's to say the client is in the US, or that they use a POTS number or a DID?

How are people getting around this, and how common is it? I cannot be bothered to go to the trouble of setting up an ipkall / pinger number for one time, each time this happens. If I must go to that much trouble, I'd rather opt to switch banks -- but then there's the risk that the new bank does the same.

Ideas? This is what I've come up with:

- 900 number (I wouldn't mind maintaining one indefinitely and getting paid for intrusions, but does the banks machines reject it?)
- a voicemail service where I can pre-record the greeting to contain the DTMF tones that the calling machine asks for. (the trouble here is that voicemail services often mask out DTMF tones that are in the greeting)
Personal Finance Deals
Hold rental home or sell now Fw advice requested
Added on : Saturday February 15th 2014 01:00:03 AM
g: 0 Posted By: fljeremy
Views: 80 Replies: 0 Dear FW community,

I purchased a home in 2003 and moved to another home in 2007 and have been renting out my original home. With last years nice appreciation and rates looking like they might start to rise my current tenant (a mortgage broker) wants to buy with a USDA loan. He gave me a pretty good offer 230k zillow currently says it's 197 but we all know they run low. In speaking with a real estate agent last October said it should go for about 220. So I am torn should I sell now which has the advantages of no listing commission as it's a deal between him and I. Or hold for maybe 3 more years or more. Currently I am getting below market rent of 1400 market rents are now 1550 so if I sell I also lose an income stream. And based on my research property values will continue to climb for at least next 3 years, 5-6% a year? I am in North Florida , holding out could mean a much bigger payday down the road.


In addition if I had some cash in hand from the sale I could refinance my primary and lower the rate by at least 1 percentage point and lower my monthly payment by 1000 a month but also taking out another 30 year mortgage. Currently I have 25 left on primary and 20 left of rental. Hmmm options options. help me out with your knowledge please. Thank you in advance
Question Deals
g: 0 Posted By: jaymanthegreat
Views: 220 Replies: 0 Magnavox HDD DVR and DVD Recorder with Digital Tuner, 500GB $228.00

List Price: $349.99

You Save: $121.99 (35%)

Item Description:

Record media in high resolution with the Magnavox 500GB HDD DVR and DVD Recorder. This HDD DVR and DVD Recorder with Digital Tuner lets you watch, forward, rewind or freeze live TV while recording. With a hard drive capacity of 500 GB, you can put an end to disorganized drawers of VHS tapes by selecting media to watch in-menu. Featuring 1080p up-conversion, the Magnavox HDD DVR DVD Recorder provides faithfully high definition recording of your favorite shows or movies. Unlike TiVo, there is no monthly subscription fee and it functions much like a VCR. With 4-way dubbing and Dolby Digital stream out, the Magnavox 500GB HDD DVR and DVD Recorder with Digital Tuner will become an indispensible part of your TV-watching regimen. A DV-input allows you to connect the device to other electronics for storage so that you can keep recording your favorite shows. If you're looking for a smart digital recording solution, consider buying the Magnavox 500GB HDD and DVD Recorder.

Magnavox 500GB HDD and DVD Recorder with Digital Tuner:
1080p up-conversion
Watch, forward, rewind or freeze live TV while recording
Recording capacity of 500 GB
4-way dubbing
Dolby Digital stream out
Virtual Surround System
DV-Input

http://www.walmart.com/ip/Magnavox-HDD-DVR-and-DVD-Recorder-with...
Home Theater & Audio Deals

Walmart Coupons
Contractor Demanding 2013 W-2
Added on : Friday February 14th 2014 05:00:07 PM
g: 0 Posted By: JohnnyBGood3
Views: 117 Replies: 4 I have a contractor who worked for me over the course of 1 month, earning a total of about $1300 over that time period. We agreed at the time she would be treated like a contractor, and paid much more than minimum wage. Legally, she likely met the requirements to be treated as an employee as she worked only on my premises using my tools, etc. Work ran out and I told her I didn't have any more hours for her and that ended our relationship as she wasn't good enough to bring back for more when work picked up again. Recently, I was gathering her SSN & Address to issue a 1099 (I'm pretty new at this, took me a while to get the hang of all the legalities.. I think it's much more complicated than it should be but that's another discussion). She avoided me at first and then asserted her right to be treated as an employee and demanded a W2. Now she won't return any communication.

Is there any situation where an onsite worker might be legally considered a contractor given the temporary nature of the work and short duration/low earnings? What kind of penalties would I be looking at if I try to get a W2 issued this late? I will be seeing an accountant about this but I want to be prepared for the meeting.
Personal Finance Deals
How to tap in to Texas growth
Added on : Friday February 14th 2014 03:00:10 AM
g: 1 Posted By: bobaldie
Views: 93 Replies: 2 Summary: Believes Northern Virginia RE growth slowed and believes in Texas growth potential. How and where to transfer investment. Are there areas better than Texas for investment now?

I live in Virginia and have considerable RE investment. But due to changes in government spending and outlook, i am convinced this region growth will match the total US growth if not lagging. On the other hand I am totally convinced Texas is going gangbusters on all cylinders and probably for the foreseeable future. Also there is not much of real estate excesses in Texas combined with spectacular economic growth results in a tremendous real estate returns. People from all over US are flocking to Dallas and other areas for high paid jobs.
Unfortunately, i am tied-up with my RE and spouse job here and on top of it my primary home is being built as we speak (perhaps a wrong decision as i didn't realize the TX potential few months back).

Given this backdrop what is the best way for me to tap into Texas RE. Is it feasible and practical to invest from long distance? What areas/kinds of investments are good and feasible for long distance maintenance still awarding the growth.
If things workout i am thinking i could unload few condos from here and am pretty sure that would buy very big houses there but not sure of how well they do on ROI.

Any thoughts from RE guys from Texas would be very helpful. I am not interested in high maintenance low potential areas but my Target is clusters where high and stable income growths are.
I am also open to other thoughts to move my condo investment in Northern Virginia into some other growth investment options even if it is not real estate.
Real Estate Deals
g: 0 Posted By: Ayla
Views: 112 Replies: 1 .


Your Choice 100-piece Cityscape or Mountain Wooden Train Set and Table - $69.97 at WalMart





http://www.walmart.com/ip/Your-Choice-100-piece-Cityscape-or-Mou...




Online Sale: $69.97


List Price: $119.97



100-Piece Cityscape Train Set and Wooden Activity Table:

Great wooden train table
100-piece train set complete with 2 engines, roundhouse, working crane, vehicles and accessories
Compatible with Thomas and Friends, Chuggington, Brio and other fine wooden train sets (sold separately)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


100-Piece Train Set and Fabric Bag:

Classic wooden railway
Sturdy wooden train set table comes with a graphic top featuring a town's structure and a 100-piece train set with accessories
features a bridge, mountain top, tunnel, and much more
Promotes imaginative play and creativity, which will help you child develop important life skills
Train table is compatible with Thomas and Friends, Chuggington, Brio, and other fine wooden train sets (sold separately)
Recommended for children ages three and older


Toys Deals

Walmart Coupons
g: 0 Posted By: whiteb8791
Views: 31 Replies: 0 http://www.amazon.com/hardwood-Hanger-Multifunctional-Accessory-Hardware/dp/B00F9VS8YUOriginal price: $18.99V-Day Price: $5.69 Only (Save $13.30, 70% OFF)Expire on Feb. 15th (EST)=9.0ptDetailed features:=9.0ptl =9.0pt12 deep, widely spaced chrome-plated belt/tie hooks that can accommodate 12 or more belts/ties=9.0ptl =9.0ptSelected beech hardwood with natural finish makes your closet much more elegant and stylish=9.0ptl =9.0ptProvide visibility and accessibility without taking up a lot of space on your closet=9.0ptl =9.0ptSturdy chrome-plated 360 degrees swivel hook with excellent quality=9.0ptl =9.0ptSave more space and store your belts, ties and other accessories in order
Home & Garden Deals

Amazon Coupons
Putting It In The Backdoor (Roth) For Fun And Profit
Added on : Thursday February 13th 2014 02:00:10 PM
g: 21 Posted By: robronson
Views: 3596 Replies: 21 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
g: 16 Posted By: remick
Views: 1495 Replies: 3 http://www.amazon.com/Beatrix-Potter-Illustrated-Collection-Illu...

Books and 660 Illustrations!The works ofBeatrix Potterare some of the most beloved children's stories of all time. Now enjoy them all in a single, high quality collection at an amazing price.The convenient table of contents will allow you to jump instantly to any of the 22 books, including timeless characters like Peter Rabbit, Benjamin Bunny, Squirrel Nutkin, and many more.Any you're sure to love the660 included illustrations, many in full color. In addition, you'll find a link at the end of this collection to download complete audiobooks of 19 of these timeless stories...perfect for letting kids listen along while they look at the pictures.Download today! The full list of titles includes:

The Tale of Peter Rabbit (1902)

The Tale of Squirrel Nutkin (1903)

The Tailor of Gloucester (1903)

The Tale of Benjamin Bunny (1904)

The Tale of Two Bad Mice (1904)

The Tale of Mrs. Tiggy-Winkle (1905)

The Tale of the Pie and the Patty-Pan (1905)

The Tale of Mr. Jeremy Fisher (1906)

The Story of A Fierce Bad Rabbit (1906)

The Story of Miss Moppet (1906)

The Tale of Tom Kitten (1907)

The Tale of Jemima Puddle-Duck (1908)

The Tale of Samuel Whiskers or, The Roly-Poly Pudding (1908)

The Tale of the Flopsy Bunnies (1909)

The Tale of Ginger and Pickles (1909)

The Tale of Mrs. Tittlemouse (1910)

The Tale of Timmy Tiptoes (1911)

The Tale of Mr. Tod (1912)

The Tale of Pigling Bland (1913)

Appley Dapply's Nursery Rhymes (1917)

The Tale of Johnny Town-Mouse (1918)

Cecily Parsley's Nursery Rhymes (1922)



Also Free at the time of posting are these highly rated children's books:

Children's books : "Lily's Shy Parrot",(A Gorgeous Illustrated Children's Picture Book. Teaches your kid an important social skill) (Early readers) (Bedtime story)
http://www.amazon.com/Childrens-books-Gorgeous-Illustrated-impor...

The Cleverest Princess and the Royal Detective Agency (The Little Princess Collection)
http://www.amazon.com/dp/B008DBJGSA

Pigtastic! (A fun picture book with a great message!)
http://www.amazon.com/dp/B006OTXNW8

That's How Much I Love You (free audio book inside): Perfect Valentine day children's picture book (ages 3-8) about mother and child love
http://www.amazon.com/dp/B00IB32W9A

Fairies and Fireflies: Bedtime Stories
http://www.amazon.com/dp/B00HOHMW0S

Peek-A-Boo Garden (Cute Animal Books For Kids)
http://www.amazon.com/dp/B008UCPOAQ

A Monkey Among Us
http://www.amazon.com/dp/B006MGK50Q


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

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

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

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

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

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

This is all to suggest that risk in finance should be measured in a different way, what do you guys think?
Investing Deals
How much house should we buy? Several variables here...
Added on : Wednesday February 12th 2014 05:00:07 PM
g: 0 Posted By: dougletw
Views: 54 Replies: 1 Just the data:
Two wage earners, one at $85K and one at $40K. Additional income of $500/mo from disability pension.
Analyst at $85K depositing 8% into a 401K with a match of 10% of salary plus .75 of contributions up to 6%. Age of employee is 40. Current 401K balance of $70K. Vested defined benefit to pay out $800/mo at age 65. Projected retirement income of $90K a year seems about right.
Teacher at $40K has a defined benefit plan with a pension that allows full retirement if age plus years of service equals 80. Age of employee is 37.
First home completely paid off. Resale value of $150K. Rental rate of $1200/mo.
Two children, ages 5 and 6. $500/mo deposited into college savings plan. Current balance is approximately $15K.
No debts period. $80K in cash on hand for a down payment. VA loan terms available.
Prequalified for $521,250.00 with a 20% down payment.
Goals--1) Pay for most of kids' college (don't want to pay for everything to incent scholarship)
2) Feel secure about retirement
3) Buy a new house

What SHOULD we pay for a new house? I feel like we may be too thrifty here because my wife is culturally averse to debt, even for mortgages.
Real Estate Deals
g: 0 Posted By: tedteddy
Views: 23 Replies: 0 Quite a few so-called banks will freeze your accounts for manufactured spending activities. They will attempt to make youjump through hoops like some sort of circus-animalyou to get your money back. Some have even had the audacity to charge a fee to close an account and send a check.

Don't play their games or pay their fees. Fill out this form to get your money back:
https://www2.fdic.gov/starsmail/index.asp

You will get a check much quicker and the fees will be waived.


Personal Finance Deals
Pregnant daughter (minor) delivery not covered under insurance.
Added on : Wednesday February 12th 2014 03:00:21 PM
g: 4 Posted By: CptSavAHo
Views: 305 Replies: 11 Posting this for a coworker.

His daughter is 16 and pregnant. Insurance carrier is Aetna. Aetna has covered all of the prenatal visits. They dropped the bombshell on him that they will not cover the delivery 'unless there are complications' and did not elaborate very much on what qualified as a complication. Apparently somewhere in the insurance is a clause that in the case of a dependent becoming pregnant they do not cover the delivery and the grandchild is not eligible to have care provided under the dependent's plan. Its a big loophole now since ACA extends dependent care to 26 years old.. He didn't expect it and definitely does not want to have to shoulder the $20k+ of hospital bills. Medicare is out, his income is way too high. ACA appears to also be out since she is a minor. Former boyfriend is out for now, but might be on the hook at 18. There's about 3 months left in the pregnancy. Any advice on the best course of action? My advice was to get a midwife and try to deliver at home at significantly lower cost, then if it has a 'complication' to go to the hospital,

The only option we found for getting coverage would be for the daughter to release parental rights, but not clear if this would be effective before or after pregnancy, or how easy it would be to reverse down the road.

Link

Please no jokes, I'm going to refer him to the thread so he can join FWF and get help in his difficult situation.
Question Deals
Lease vs buy new vehicle
Added on : Wednesday February 12th 2014 10:00:17 AM
g: 0 Posted By: RobInBoston
Views: 208 Replies: 5 I have been one to always buy a used with cash. No hassle, no finance charges, I own the vehicle and can do what I want with it, drive as much as I want, don't have to worry about dings and dents, etc. However, I recently got into a new career field, started making a lot more money, and have decided we no longer need to deal with the "hassle" of a used van, for example, whose sliding door gets stuck/frozen every winter, or having to bring to the mechanic a few times a year, breaking down on the side of the road, having to invest in new tires and brakes, etc. Whatever peoples reasons are, some, like me, now choose to own new cars. And yes I realize this isn't the Fatwallet way, theres usually a huge hit in depreciation the first year but stick with me here...

So Ive looked into leases and have found there are some really great deals locally. Was wondering feedback / thoughts / opinions, would you buy new or lease?

Needing a family sedan Im using a 2014 Camry LE as my example. To purchase, with destination, title, doc fees, out the door price is about $24,000. Expected depreciation is $1800-$2000 the first year, $1700 the 2nd, and tapers off after that.

Now lets compare to leasing the same car, 2014, Camry LE. A local dealership has a $1999 due at signing, and $69/month lease. When factoring in the down payment, this comes out to $124/month, or $1488 per year. So for me this is the cheaper way to own a new car, as it costs $4464 over 3 years vs the depreciation of $5200 for the first 3 years of ownership.


Again, the obviously cheaper method is to buy a 3-5 year old Camry, with depreciation of $800-$1400 per year, and pay for the necessary upkeep as you go, but this is for those who want to own new, do not want to put down a lot of money, etc.

Thoughts?


Links
Cheap Lease
http://westborotoyota.com/Toyota-Camry-Zero-Down-Lease/

Average depreciation for a 2012 Camry
http://www.edmunds.com/toyota/camry/2012/tco.html


Personal Finance Deals
Mommy's Helper Car Seat Sun Shade- $6.88 + Prime Shipping
Added on : Wednesday February 12th 2014 09:00:05 AM
g: 2 Posted By: Deals4mykids
Views: 226 Replies: 1 Mommy's Helper Car Seat Sun Shade- $6.88 + Prime Shipping

List Price: $9.99
Sale Price:$6.88 & FREE Shipping on orders over $35. FREE Returns. Details
You Save: $3.11 (31%)

http://www.amazon.com/Mommys-Helper-Car-Seat-Shade/dp/B00125NZSQ

Cools and protects your child's car seat
Helps protect car seat from heat and UV rays
Elastic sizing allows cover to fit most car seats
Easy to use
Easy to store

It really does keep the car seat much cooler that the car! i could put my baby right in the car seat and go rather than waiting for 5 minutes until the car cooled down! highly recommend! =)

Tools & Automotive Deals

Amazon Coupons
Wait to get in better shape for term life insurance?
Added on : Tuesday February 11th 2014 02:00:13 PM
g: 0 Posted By: yorkie345
Views: 1 Replies: 0 My son is 27 years old and married expecting his first child in 6 months. He used to be in great shape throughout college but has slacked the last few years. He asked me today about getting term life insurance, which I told him is a must, and he inquired about getting a better rate if he was in better shape. When he puts his mind to something he has no problem achieving it. He's about 6' tall and 205 lb with some muscle but wants to drop 20 pounds of fat in the next 6 months before the baby comes. Would he get a much better rate for himself if he was healthier? What factors play into your rate besides age? His wife is very active and I could imagine her getting back to her prebaby weight in no time with nursing and knowing her very well.
My Time to Refinance? Help wanted.
Added on : Tuesday February 11th 2014 09:00:22 AM
g: 0 Posted By: justignoredem
Views: 47 Replies: 0 Hello folks,

I'm new to the mortgage game. I came into a relationship with my fiancee having a home already, so forgive me for some questions. I know some things might be able to be addressed in the sticky topics, but I don't feel comfortable with everything yet (including terms).

Current Information:
Yearly Income Combined (Untaxed): ~$130k
Original Mortgage Amount: $140,000
Current Mortgage Remaining: $111,000 (Just over 20% threshold?)
Mortgage APR: 5.00%
Loan Type: FHA. So we currently pay PMI until the end of this year. Refinancing would save us a little here.

We Currently pay our Mortgage + $600 - $1000 additional principal every month (depends on how good we did for the month).

My issue's are:

1) What fee's can I typically expect? A lot of people mention "Don't worry, they can roll the fee's into the loan"... I don't care, a fee is a fee, a debt is a debt. I want as least fee's as possible. I want as much equity as possible.
2) What is the best way to Refinance? I am thinking given how much additional principle we do, a 15-year at today's rates (~3.3% according to Yahoo Finance) makes the most sense.
3) As I understand, the disadvantage to refinancing is our mortgage returns to Day 1. So the majority of the beginning of the loan payments will go to Interest instead of principle. Is this true? If so, should I stick to my current 30-year?
4) Who should I refinance with? Most bang for my buck, least amount of fee's? I hear PenFed and Lending Tree from time to time here, but I'm still unsure. Any help is appreciated given my circumstances.
Investment options for 100K
Added on : Tuesday February 11th 2014 08:00:30 AM
g: -1 Posted By: apollocus
Views: 155 Replies: 9 Hi All, I know there have been many topics and people asking similar questions in the past but I wanted an updated response. I currently have about 100K in savings that I am looking to invest in some way. I currently have the money in a savings account which pays .75%APY. I am looking for a very safe option and I do not need the money for about 18 months. At that time I will probably need it for wedding costs for my two daughters so I don't want too much risk to lose the money. The best option I have been able to find is a 12 month CD from Pen Fed which offers 1.16APY or a Barclays saving account which offers .90%APY. If anyone has any other investment suggestions I would greatly appreciate it.
Personal Finance Deals
g: 0 Posted By: ArtieLange
Views: 234 Replies: 0 Ethical Thin Colorful Springs Cat Toy, 10-Pack $1.99 add on item at Amazon

http://www.amazon.com/Ethical-Thin-Colorful-Springs-10-Pack/dp/B...


10 in a-pack
Who knew such a simple toy could be so much fun
Each spring is 3-1/4-Inch long by 1/2-Inch diameter

Pets Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/How-Save-Money-21-Day-Challenge-ebook/dp/B...

4.2 out of 5 stars (77 customer reviews)

After getting laid off I had to wade through all the frugal tips like "reuse twist ties" and "turn off the lights when you leave a room" to find the ones that really delivered.

Sure you can save a few pennies by turning off the lights around the house, but I needed to make bigger money-saving moves. I didn't need to save a few pennies, I needed to save many hundreds of dollars each month.

That is what this challenge is all about: taking 21 days to make some drastic, but realistic, changes in order to save at least $500 each month.

If you are anything like I was, you probably have more bills and payments due each month than you have money coming in. You have undoubtedly read other money-saving tips in the past, but just felt like none of them would yield much result. You also probably don't have the time to read through a bunch of fluff, but just want to get to the point! If this sounds like you, then you are who this book was written for!

And while this challenge is not intended to solve all your financial problems, it will definitely help you save money!

The book is broken out into 21 short chapters, each with a realistic money-saving suggestion that will help your reach your $500/m goal. To succeed with the challenge you will need to take the chapters day-by-day and not just fly through the whole book in one sitting. Those who read a chapter a day and take action each day will be rewarded with much better success.
Totally Free Deals
UltraFire C8-T6 Cree XM-L flashlight $9.6 Shipped
Added on : Tuesday February 11th 2014 06:00:11 AM
g: 0 Posted By: purchaseacct
Views: 230 Replies: 1 http://www.aurabuy.com/ultrafire-c8-t6-cree-xm-l-t6-5-mode-800lm-white-led-flashlight-torch-1-18650.html

I have this flashlight and it's very bright and is able to illuminate at a good distance. When I first had a CREE Q5, I thought it's bright, but only when it's focused. This T6 is much brighter even when it's not focused.


Electronics Deals
The Correct Way To Do A Backdoor Roth Contribution
Added on : Tuesday February 11th 2014 05:00:21 AM
g: 0 Posted By: robronson
Views: 151 Replies: 2 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
Free bag of Honest Daves jerky treats for dogs with sign-up (YMMV)
Added on : Monday February 10th 2014 03:00:14 PM
g: 1 Posted By: remick
Views: 324 Replies: 1 http://www.rumblepet.com/

I haven't been able to find out much more about this offer. I received a confimation email on the sign-upin about a 1/2 hour andwas able to log in for the sample request.
Home, Auto & Pets Deals
Free bag of Honest Daves jerky treat for dogs with sign-up (YMMV)
Added on : Monday February 10th 2014 02:00:07 PM
g: 0 Posted By: remick
Views: 94 Replies: 0 http://www.rumblepet.com/

I haven't been able to find out much more about this offer. I received a confimation email on the sign-upin about a 1/2 hour andwas able to log in for the sample request.
Home, Auto & Pets Deals
question about ESPP issued stocks and black-out
Added on : Monday February 10th 2014 10:00:16 AM
g: 0 Posted By: caius5203
Views: 49 Replies: 0 So my company has issued an indefinite black-out of employee owned stocks issued to us through the ESPP program at work. The indefinite black-out is a result of some ongoing legal investigation, will not get into too many details here. I have a small chunk of money invested in these stocks which I need to sell in order to make a payment. I was planning to sell the stocks a few months ago but unfortunately they issued this black-out.

Is there a legal workaround for this particular situation which would allow me to sell these stocks (which I own)? For example: transfer the stocks to a relative who is not employed by my company which would then allow that person to sell the stocks?

I dislike being in this situation, and I am partly to blame since I should have sold the stocks earlier when there was no black-out. My guess is there is not much I can do other than quit my job or wait till the black-out is lifted, but I just wanted to put this out there to see if anyone had any other suggestions?

Thanks,
Caius






Personal Finance Deals
g: 1 Posted By: remick
Views: 214 Replies: 0 http://www.amazon.com/Twelve-Years-Slave-Narratives-Including-eb...

TWELVE YEARS A SLAVE (Plus MUCH more!)

This exciting new release includes the complete text of "Twelve Years a Slave." Read the amazing story of Solomon Northup before (or after) you see the critically-acclaimed movie of 2013. But this collection doesn't stop there. It also includes:

* Complete, unabridged texts of the five additional works listed below, all well-known works about slavery in America
* An active table of contents for easy navigation to any book or chapter
* The original illustrations for "Twelve Years a Slave"
* Easy-to-use links to download unabridged audiobooks of four of the works from Librivox
* Well-formatted text with adjustable font and size

Below is a brief introduction to the six included works. (Excerpts from Wikipedia are used in the summaries.)

--Twelve Years a Slave: Narrative of Solomon Northup, a citizen of New-York, kidnapped in Washington city in 1841, and rescued in 1853, from a cotton plantation near the Red River in Louisiana --
Author: Solomon Northup (July 1808 - c. 1864-1875)
Published: 1853

"Twelve Years a Slave, by Solomon Northup as told to David Wilson, is a memoir of a black man who was born free in New York state but kidnapped, sold into slavery and kept in bondage for 12 years in Louisiana before the American Civil War."

-- Narrative of the Life of Frederick Douglass, an American Slave --
Author: Frederick Douglass (February 1818 - February 20, 1895)
Published: 1845
Audiobook available from Librivox, link included

"Narrative of the Life of Frederick Douglass is a memoir and treatise on abolition written by famous orator and ex-slave, Frederick Douglass. In factual detail, the text describes the events of his life and is considered to be one of the most influential pieces of literature to fuel the abolitionist movement of the early 19th century in the United States."

-- The Life of Josiah Henson, Formerly a Slave, Now an Inhabitant of Canada, as Narrated by Himself --
Author: Josiah Henson (June 15, 1789 - May 5, 1883)
Published: 1849

"The Life of Josiah Henson is a slave narrative written by Josiah Henson, who would later become famous for being the basis of the character of Tom from Harriet Beecher Stowe's Uncle Tom's Cabin. "

-- Uncle Tom's Cabin --
Author: Harriet Beecher Stowe (June 14, 1811 - July 1, 1896)
Published: 1852
Audiobook available from Librivox, link included

"Uncle Tom's Cabin; or, Life Among the Lowly is an anti-slavery novel by American author Harriet Beecher Stowe...Uncle Tom's Cabin was the best-selling novel of the 19th century and the second best-selling book of that century, following the Bible."

-- Incidents in the Life of a Slave Girl --
Author: Harriett Ann Jacobs, under the pen name Linda Brent (February 11, 1813 - March 7, 1897)
Published: 1861
Audiobook available from Librivox, link included

"Incidents in the Life of a Slave Girl is a slave narrative that was published in 1861 by Harriet Ann Jacobs, using the pen name "Linda Brent." It addresses the struggles and sexual abuse that young women slaves faced on the plantations, and how these struggles were harsher than what men suffered as slaves."

-- Up From Slavery --
Author: Booker T. Washington (April 5, 1856 - November 14, 1915)
Published: 1901
Audiobook available from Librivox, link included

"Up from Slavery is the 1901 autobiography of Booker T. Washington detailing his work to rise from the position of a slave child during the Civil War, to the difficulties and obstacles he overcame to get an education at the new Hampton University, to his work establishing vocational schools."
Totally Free Deals
g: 1 Posted By: remick
Views: 158 Replies: 0 http://www.amazon.com/Beatrix-Potter-Illustrated-Collection-Illu...

Books and 660 Illustrations!The works ofBeatrix Potterare some of the most beloved children's stories of all time. Now enjoy them all in a single, high quality collection at an amazing price.The convenient table of contents will allow you to jump instantly to any of the 22 books, including timeless characters like Peter Rabbit, Benjamin Bunny, Squirrel Nutkin, and many more.Any you're sure to love the660 included illustrations, many in full color. In addition, you'll find a link at the end of this collection to download complete audiobooks of 19 of these timeless stories...perfect for letting kids listen along while they look at the pictures.Download today! The full list of titles includes:

The Tale of Peter Rabbit (1902)

The Tale of Squirrel Nutkin (1903)

The Tailor of Gloucester (1903)

The Tale of Benjamin Bunny (1904)

The Tale of Two Bad Mice (1904)

The Tale of Mrs. Tiggy-Winkle (1905)

The Tale of the Pie and the Patty-Pan (1905)

The Tale of Mr. Jeremy Fisher (1906)

The Story of A Fierce Bad Rabbit (1906)

The Story of Miss Moppet (1906)

The Tale of Tom Kitten (1907)

The Tale of Jemima Puddle-Duck (1908)

The Tale of Samuel Whiskers or, The Roly-Poly Pudding (1908)

The Tale of the Flopsy Bunnies (1909)

The Tale of Ginger and Pickles (1909)

The Tale of Mrs. Tittlemouse (1910)

The Tale of Timmy Tiptoes (1911)

The Tale of Mr. Tod (1912)

The Tale of Pigling Bland (1913)

Appley Dapply's Nursery Rhymes (1917)

The Tale of Johnny Town-Mouse (1918)

Cecily Parsley's Nursery Rhymes (1922)



Also Free at the time of posting are these highly rated children's books:

Children's books : "Lily's Shy Parrot",(A Gorgeous Illustrated Children's Picture Book. Teaches your kid an important social skill) (Early readers) (Bedtime story)
http://www.amazon.com/Childrens-books-Gorgeous-Illustrated-impor...

The Cleverest Princess and the Royal Detective Agency (The Little Princess Collection)
http://www.amazon.com/dp/B008DBJGSA

Pigtastic! (A fun picture book with a great message!)
http://www.amazon.com/dp/B006OTXNW8

That's How Much I Love You (free audio book inside): Perfect Valentine day children's picture book (ages 3-8) about mother and child love
http://www.amazon.com/dp/B00IB32W9A

Fairies and Fireflies: Bedtime Stories
http://www.amazon.com/dp/B00HOHMW0S

Peek-A-Boo Garden (Cute Animal Books For Kids)
http://www.amazon.com/dp/B008UCPOAQ

A Monkey Among Us
http://www.amazon.com/dp/B006MGK50Q


Totally Free Deals
Downloading Electronic Financial Documents, can it be automated?
Added on : Monday February 10th 2014 03:00:05 AM
g: 0 Posted By: fortezza
Views: 45 Replies: 1 If you're always on the go as I am, it's a struggle to get time to sit on your computer and download electronic financial documents from the multitude of investment companies, banks, credit card companies, etc that you have accounts at. While I'm all for saving trees and electronic security, I found it a lot easier to receive paper statements and then file them whenever I had time. Electronic documents, well, I get email reminders that say "an electronic document is available" from the financial institution, but there are some issues

I'm probably not at a location where I can download the document when I receive the message.
I have no idea what document they are talking about as they (banks) are purposefully ambiguous about which document in particular they are referring to.
i often don't remember when the last time I downloaded a document was, so knowing which ones I need to download for archival and CYA purposes is an unknown.



I'll make the assumption that I'm not the only one with this issue and then follow up with my questions:

Should I be downloading and keeping electronic statements?
Why are the banks notification emails so cryptic about which document they are talking about?
Why don't the banks have a download queue or other facility to identifying and making downloading these important documents simple?
Why don't banks standardize on a naming convention for the downloadable documents , I spend a lot of time renaming downloaded documents so that the name ismore meaningful than the default '23223424242zdfadw.pdf' name I get when I click "download" . something like <bank name>-<account>-<document type>-<effective date>.pdf would be much more useful.
Is there a trustworthy service that can be set up to manage automatically downloading these documents?


Thank you for reading!


Question Deals
Help a newbie with his first AOR
Added on : Sunday February 09th 2014 11:00:04 PM
g: 0 Posted By: ceonelson
Views: 15 Replies: 0 After way too long spent reading about AORs Ive decided to go for my first big batch of new cards. I figure with some of the deals a little MS might be in order too.
Any recommendations you have on cards to apply for, or which order to do it in would be appreciated. I usually fly AA or SWA.
Posting this is also helpful as I gotta figure out my current cards and finally start tracking them.
Thank you!

Credit Karma: 757
Average age: 8yr 1mo
Total accounts: 9 (6 open, 3 closed)
Hard inquiries: 2

Current cards (I pay them in full each month except the 2 listed at 0% apr):

Personal (30% total CL utilization, mostly on the BA card):
Discover 1: unused
Discover 2: 10% utilization at lifetime 0% apr (dont know if Ill ever see an offer like that again)
BA Mastercard: 85% utilization, 0% apr until 2/2015
Chase Freedom: 0% util
Citi AA Platinum Visa: 1% util, applied 7/2013, got 50k bonus miles

Business cards:
Amex Simply Cash: ~15% util
Chase Ink Bold: ~25% util, applied 7/2013, got 50k points

My thoughts for new cards:
Wells Fargo Cash Back (5% CB for 6mo)
Barclay US Air 40k miles, $89 AF (or to go for the 30k miles with no AF version?)
Citi AA Executive, $450 AF
Chase Ink Plus, 50k UR, waived AF
Next week: Citi AA Biz MC, 50k miles, waived AF

Some questions/misc thoughts:
1. What other business card would you recommend? Hotel card?
2. Are the Chase SWA cards churnable? Im not keen on getting the companion pass now when I wont use it as much as I would if I first got it a couple years from now. However, if I could get the bonus again in a year then I might as well get them now
3. I was planning on closing the Ink Bold in June to avoid the AF and applying for the Ink Plus then to get the signup bonus again would it be better to get the Ink Plus now, then close the Bold and reapply for the Bold in the summer? Would I get the 50k bonus again on the Bold?
4. Any tips on when to close cards that have AFs and when to reapply for the same ones while still being able to get the bonus would be much appreciated.
5. Is there a 40k US Air biz card? Id like to get the business card as well, but all I can find is 25k bonus.
6. How many Chase cards can be applied for in a day?
7. Another other advice for an AOR newbie 

Thank you again!!
Question Deals
g: 0 Posted By: robronson
Views: 92 Replies: 1 I had $6k of SE income in 2013 as my sole source of income due to burning off a non-compete and taking a large chunk of vacation time. I expect to have $200k of SE income in 2014. However, that $200k is not guaranteed. It's on a contract with provisions that allow the client to terminate my services without cause at any time.

My concern is that I'll make $50k in the first quarter of 2014 and then make $0 for the rest of the year. I don't want to pay $20k in estimated quarterly taxes on April 15th 2014 on my $50k annual income.

I'd much prefer paying a larger estimated quarterly tax payment in Q3 and/or Q4 when I know my income more precisely. May I use my $6k figure from 2013 as my expected income for 2014? I imagine the IRS will scoff at that if I wind up making 30x that amount.

Any suggestions? I'm reading through IRS Pub 505 and 1040-ES this morning and it's not really clear. I do plan on maxing out an IRA and Individual 401k this year, so that makes things stickier. If I wind up only making $50k in Q1 and $0 the rest of the year, I'll owe almost nothing in taxes since I can do a Traditional IRA, I-401k plus employer contribution, standard deduction/personal exemption. I can't afford to give the IRS an interest-free loan of $20k for 1 year if my contracts fall through after Q1 because I'll need that money for living expenses the rest of the year.
Tax Deals
g: 0 Posted By: linrick
Views: 181 Replies: 1 I really wanted one but still can't afford it. But the price is excellent for those who can afforded for their significant other.
Other sizes 7", 7.5" and 8" are $5100 (twice as much as the 7.25 inches)

Product SpecificationsLength: 7.25 inches | Metal Type: white-gold $2534 - $250 = $2284 shipped. linkymoo
Jewelry Information Brand, Seller, or Collection Name Amazon Curated Collection Metal stamp 10k Metal White gold Gem Type Diamond Setting Prongs Length 7.25 inches Clasp Box with tongue and safety Total metal weight 11.29 Grams Number of stones 38 Certificate type IGI
Diamond Information Stone shape Round Minimum color IJ Minimum clarity I1-I2 Minimum Total Carat Weight 5.25 carats Packaging Information Package Deluxe Bracelet Box

Jewelry Deals

Amazon Coupons
Save money for house or put it in retirement account?
Added on : Saturday February 08th 2014 02:00:05 PM
g: 0 Posted By: backpurge
Views: 44 Replies: 0 TLDR: Does the tax savings and potential gainsfrom putting $ in 401k negate the PMI that we'd be paying if we put less money down on a house.

Details: So the wife and I make around $170k a year combined and we have one child and are both in our early 30s. We are currently in a house worth $130k and owe about $120kbut looking to upgrade to a house valued at $300k max and just trying to figure out the best route to go. Currently we've been maxing out my 401k at work at $17500 plus 3% company match, maxing out my personal Roth IRA at $5500 and she's been putting in 6% of her check into her work's 401k which ends up being around $5000 a year. This ends up socking away around $28000 a year for retirement plus we still end up saving about $5000 in our savings account for an EF. Obviously the 401k's end up saving us paying taxes on our income now. We looked at our budget and figured out ways to probably save an extra $10k this year without changing too much lifestyle wise.

Would it be better to cut back to the company match for both of our 401k's and stockpile $ for a 20% house down payment or stick with a higher contribution to retirement accounts and do a minimal down payment or somewhere in between? Thanks in advance!

Investing Deals
Men's SnoGo Pull-on Boots - (YMMV) - $59.99 at Lands End
Added on : Friday February 07th 2014 08:00:11 AM
g: 0 Posted By: Ayla
Views: 211 Replies: 0 .


Men's SnoGo Pull-on Boots - (YMMV) - $59.99 at Lands End




http://www.landsend.com/products/mens-snogo-pull-on-boots/id_244...






Was: $129.00



NOW: $59.99


The winter busting snow boot.

Waterproof internal membrane construction
Heat-holding 400-gram insulation
Rubbed water-tight rubber bottom
Water-resistant leather/ripstop nylon shaft
Convenient slip-on design
Rip and grip ankle strap for secure fit
Bungee opening with toggle seals out snow
Comfort-cushion footbed
Plush, foam-backed fabric lining
Maximum-traction rubber outsole

Among the most feature packed cold-weather boots youll likely find at this price. This is the one you want for protection from frigid temperatures, snow and slop. Boot is constructed with warm 400-gram insulation to lock in body heat. Has a rugged, water-tight rubber bottom and water-resistant shaft, padded insole for your walking comfort and much more. Imported.


Shoes Deals

Lands' End Coupons
Gold Singer: Ray Charles: MP3 Downloads for $3.99
Added on : Friday February 07th 2014 04:00:05 AM
g: 1 Posted By: Deals4mykids
Views: 194 Replies: 0 Gold Singer: Ray Charles: MP3 Downloads for $3.99

100 original remastered recordings of the R&B great Ray Charles. You will be hard pressed to find a more complete and sweeter sounding collection, and certainly not for only $3.99 !
If you think that's too good of a deal, you could buy them all individually for $89.00. : )

http://www.amazon.com/Singer-Original-Recordings-Collection-Rema...

Start downloading. You'll be glad you did. Enjoy !

The tracks:
1 You Don't Know Me
2 Georgia On My Mind
3 I Can't Stop Loving You
4 What'd I Say
5 Hit the Road Jack
6 I Got a Woman
7 The Man I Love
8 Ruby, Pt. 1
9 You Are My Sunshine
10 Bye Bye Love
11 A Fool for You (Live)
12 Come Rain or Come Shine
13 My Melancholy Baby
14 Hallelujah, I Love Her So
15 Stella By Starlight
16 Making Believe
17 Hot Rod (Live)
18 Don't Tell Me Your Troubles
19 Half as Much
20 I'll Never Stand in Your Way
21 Chattanooga Choo Choo
22 Soul Meeting
23 Black Coffee
24 Ain't That Love
25 Sweet Georgia Brown
26 I Love You so Much It Hurts
27 Just a Little Lovin' (Will Go a Long Way)
28 Moonlight in Vermont
29 In a Little Spanish Town
30 Mess Around
31 Greenbacks
32 Early in the Morning
33 Talkin' 'bout You (Live)
34 Cherry
35 Ain't Misbehavin'
36 Hardhearted Hannah
37 Sherry (Live)
38 I'm Wonderin' and Wonderin'
39 Worried Mind
40 Dawn Ray
41 Black Jack
42 Your Cheatin' Heart
43 Joy Ride
44 The Ray
45 Music, Music, Music
46 It Makes No Difference Now
47 Born to Lose
48 Roll With My Baby
49 Jumpin' in the Morning
50 Josephine
51 No Letter Today
52 Night Time Is the Right Time
53 Teardrops in My Heart
54 Mr. Charles Blues
55 Hard Times (No One Knows Better Than I)
56 Sinner's Prayer
57 Oh, Lonesome Me
58 Nancy
59 I'm Movin' On
60 Hang Your Head in Shame
61 Feelin' Sad
62 Ray's Blues
63 Marie
64 Don't You Know Baby
65 All to Myself
66 Careless Love
67 Th' Ego Song
68 Blues Waltz (Live)
69 The Sun's Gonna Shine Again
70 Late in the Evening Blues
71 I Wonder Who
72 Mr. Charles' Blues
73 Diane
74 My Bonnie
75 Take These Chains from My Heart
76 Nobody Cares
77 Come Back Baby
78 Hey, Good Lookin'
79 You Win Again
80 Heartbreaker
81 Someday (You'll Want Me to Want You)
82 Doodlin
83 I Love You, I Love You
84 Candy
85 The Snow Is Falling
86 Bags' Guitar Blues (feat. Milt Jackson)
87 Blue Genius
88 The Midnight Hour
89 Kissa Me Baby
90 Undecided
91 Lonely Boy
92 I Wonder Who's Kissing Her Now
93 I Got a Woman (Live)
94 Charlesville
95 Margie
96 Baby Let Me Hold Your Hand
97 Love On My Mind
98 Midnight
99 I'll Do Anything but Work
100 Just for a Thrill
Music Deals

Amazon Coupons
Repair or Total Car
Added on : Thursday February 06th 2014 03:00:09 PM
g: 1 Posted By: catbrf
Views: 87 Replies: 2 I am trying to figure out the best case scenario for a car insurance claim I filed today.

I live in SoCal and was driving down the 5 fwy when my 2012 Toyota Prius struck a piece of metal that looked like a trailer hitch in the middle of the lane. I was driving about 65 mph and was not able to avoid the object due to being boxed in by 2 cars next to me. It got dragged a few hundred feet before I was able to safely pull over on the shoulder to maneuver the object from underneath my car. I noticed sparks when it hit and oil dripping afterwards. I exited the freeway and drove to the nearest Toyota dealership repair shop. I figured with my Toyota maintenance package that if it was just an oil pan that was damaged it would be covered, but found out if you hit something it is not. They lifted the car and my engine/cross member sub-frame, side rail reinforcements, engine under cover, oil pan, front exhaust pipe and heatshield were all bent or damaged. The total estimate including parts/labor/tax is $7,000. I have insurance through Geico with a $500 collision deductible. I have been in contact with the adjuster who already saw my vehicle this afternoon and was offering that I pay only $250 to repair all the damage mentioned above, however he noticed a gash on my engine block that may or may not mean anything and I would forgo repairing that, which could run in the thousands thus 'totaling' the car. Or I can pay $500 deductible to have the repairs done and wait and see what the dealership says about the engine block, maybe its totaled, maybe not. I am not in the best financial shape right now and think having my car totaled is a better deal, here's why.
Car including maintenance package($1,295)/tax/license/fees costs me $30,000, I still owe $19,000, the adjuster did a rough calculation and said I would be paid out $23,500. So $30,000 - $23,5000 = $6,500 for 2 years of driving Prius. Since I still owe $19,000 and the payout is $23,500, that's a $4,500 gain. Then $6,500 - $4,500 = $2000 for 2 years of driving Prius (even better!).

A few questions:
1. How much will my policy premium go up after I file the $250 claim? $500 claim (engine block replacement/car total)?
2. What risk is 'gash in the engine block' from becoming a problem in the future if I just accept the $250 deductible?
3. Can I negotiate the maintenance package that's worth $1,295 in the total payout? I was told when I purchased it that it gets transferred with the vehicle? How about window tinting?

Also, there are paint scratches and a loose cap on the right side of the front bumper, the adjuster said if they repair it they would charge a 'betterment fee' because they feel it was already there and not part of the accident. Is there a way to get all of it paid for, it may or may not have been damaged during the accident.

Any experiences with these issues or advice is appreciated.
Personal Finance Deals
This home entertainment system provides you with a Blu-ray player, 5.1 channel surround sound and 1000 watts (167W x 5 + 165W) of total power.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Former employer = No W2 yet
Added on : Thursday February 06th 2014 08:00:19 AM
g: -19 Posted By: jnheinz
Views: 1219 Replies: 19 I wrote them a nasty-gram in the mail yesterday with the IRS topic 154 printed out enclosed in the envelope, as they are literally 1 mile from my house. They stated in a voicemail to me this morning -- "We mailed them about a week ago" -- I'm pretty sure they are lying. Other employers got theirs on Thursday, as they are notorious for waiting until the last possible moment.

Do I write them a certified letter short & to the point? I am a long-time Fatwallet Finance follower. We had a child in 2013 & my wife has stayed at home since May 2013 -- so we have a $4000 refund in the hopper based on my estimates -- apparently I withheld a little too much.

Anyways -- any advice is appreciated. Not looking to profit, but I will not think twice about filing a complaint with the IRS on the 14th.

TYIA.


Tax Deals
g: 0 Posted By: kdttaz
Views: 372 Replies: 2 The official Acer eBay outlet store has the premium, well-reviewedS7-392 (Haswell version) Ultrabook with ani7-4500Uprocessor,8GB of RAMand a256GB SSDavailable for $999 in limited quantities. This is a refurbished unit. The cheapest new price I could find was $1,400 at Microsoft. There are other configurations available as well, but for not much less than this top-of-the-line model.

Acer S7-392 on eBay

In addition, today (Feb 6th) only eBay is offeringquadrupleeBay bucks on purchases above $150 for some (YMMV), good for $80 on this item.

Shipping is free but I had to pay taxes. 14 day return policy with free return shipping, so the risk is low.
Laptops Deals

eBay Coupons
50% off all items AC @ Envirosax
Added on : Thursday February 06th 2014 07:00:03 AM
g: 0 Posted By: Kattah
Views: 230 Replies: 0 Omnisax Bags

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Great gift idea to show the earth how much you love her this Valentine's Day!
Purse Deals
g: 1 Posted By: MISTERCHEAP
Views: 34 Replies: 0 http://weeklyad.staples.com/StaplesSD/LandingPage?storeid=227834...
Office & School Supplies Deals

Staples Coupons
g: 2 Posted By: Deals4mykids
Views: 174 Replies: 0 eBook: Homesteading Animals: Rearing Rabbits For Meat And Fur - Includes rabbit, duck and game recipes for $0

http://www.amazon.com/Homesteading-Animals-Rearing-Rabbits-Inclu...

Homesteading and rearing rabbits is the subject of this book FREE TODAY for Amazon download.
Rearing rabbits for food and fur is growing in popularity, as this much undervalued food-source is finally once again gracing our tables.
Not for the squeemish, as it does include details for 'dressing' the animal.
Totally Free Deals
g: 0 Posted By: remick
Views: 265 Replies: 0 http://www.amazon.com/dp/B006GLG8U8

4.5 out of 5 stars (82 customer reviews)

Chapter 1 - All About Amazon.com
What is Amazon.com?
What's So Special About Amazon?
Why Sell Your Stuff on Amazon.com?

Chapter 2 - FBA = Fulfillment By Amazon
What is "Fulfillment By Amazon"?
What are the Advantages to Using FBA?
What's the Catch? Understanding the FBA Fee Structure

Chapter 3 - What Should You Sell on Amazon?
What Do You Need to Start Selling on Amazon?
How Much Are Your Media Items Worth?
What Can You Do With Items That Won't Sell Well on Amazon?

Chapter 4 - Listing Your Books (and Other Media) on Amazon.com
Creating Your Seller Account
Listing & Pricing Your Merchandise
Four Specific Examples of Book Pricing

Chapter 5 - Shipping Your Merchandise to Amazon
Cleaning Your Inventory
Packing Your Merchandise
How to Create an FBA Shipment

Chapter 6 - Managing Your Amazon Seller Account
Getting to Know Your Seller Account
Adding Bank Account Information
What About Income Taxes?
Sign Up for International Shipping
Fulfillment by Amazon Settings
Your Shipping Queue
Managing Your Inventory
Your Customer Metrics Summary
Ratings and Feedback
A-to-Z Guarantee Claims
Getting Additional Help

Chapter 7 - Where to look--or "source"--for books and other saleable items
Special Addition! Valuable Information from CreativeBookSourcing.com
Where to Find Books
Tools to Make Bookselling Easy
Re-pricing your Amazon inventory
Sourcing Non-Media Inventory
Sales Rank - Is It Important?
Becoming a Better Bookseller

Chapter 8 - Building a Business with FBA
Upgrade Your Account
Professional Account Extra Features
Buy Smart!
Use FBA Across the Web
Get Extra Capital
Good Luck!
Totally Free Deals
g: 0 Posted By: ArtieLange
Views: 5 Replies: 0 Rosewill RNX-N150PCe 802.11b/g/n PCIe 2.0 Wireless Adapter $8.99 shipped w/code EMCYTZT5632 at Newegg

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Supports 64/128/152-bit WEP, complies with 128 bit WPA standard (TKIP/AES), supports MIC, IV Expansion, Shared Key Authentication, IEEE 802.1X

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Windows 8 CompatibleManufacturer WarrantyParts1 year limitedLabor1 year limitedQuick InfoWarranty

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Merrill account termination letter and asset transfer offer
Added on : Wednesday February 05th 2014 03:00:10 AM
g: 0 Posted By: m2go
Views: 11 Replies: 0 I recently signed up for an account at Merrill Edge, BofA's retail brokerage. In the process I signed up for a bonus transfer offer, wherein I was supposed to get a signup bonus for transferring and having my assets there for a minimum holding period.

A few days ago, I get an "account termination letter" telling my that Merrill/BofA is exercising its right to terminate my account and I should get my assets out ASAP or they were going to issue me paper shares and mail them (all for a hefty fee, of course). I called to follow up, and was told my offense was signing up for this account while outside the US on a business trip.

Anyway, they have the right to terminate my account, so not much I can or want to do, and so I raised the question of a signup bonus. -- I had fulfilled my end of the bargain, so I mentioned I would expect BofA to hold up its side of the bargain... CSR basically says "the offer requires you to have your assets here for 90 days, and you won't be able to do that...".

As a kicker, after some to and fro the CSR suggested opening a new account from the US, and transferring the shares to that. So, I agreed, signed up for a new account, and Merrill was going to transfer account and give me a call to confirm everything has been taken care of. No transfer ever happened, and no co nfirmation call. So, I'm startoing to get concerned whether Merrill got cold feet, and - even if they made the transfer - I don't have anything in writing that they rescinded the "get you shares out or else ...." letter which I received as next day UPS...

Any suggestions wat to do next? I'm thinking I can just pull my assets into another brokerage, but I don't want to let Merrill/BofA off so ligtly. At least want to get my $600, or cause them regulatory headaches for this bait-and-switch scheme? Where should I complain? BofA CEO? BofA Chief Regulatory Officer? SEC? FTC? BBB?

I'll welcome any suggestions...
Go Bank Rejects Mobile Check Deposit
Added on : Tuesday February 04th 2014 07:00:07 PM
g: 0 Posted By: burgerwars
Views: 108 Replies: 0 I don't use my Go Bank account much, so I mobile deposit a small dividend check from CBS Corp drawn off of Wells Fargo Bank. They sent me an email saying they rejected the check because of Certegy. They won't even try to negotiate it. CBS isn't going to write rubber checks. Stuff like this, along with three week holds to deposit other checks, makes me warn people about this service.
Discussion Deals
g: 0 Posted By: latashiaholley
Views: 23 Replies: 0 Here is my situation...I make $75K per year. I have $38K in the bank and an equal $38K in student loans. I don't have any other debt, a minimal car payment and cell phone bill. Trying to consider how much to spend on a place as I am looking for a new apartment, too. I am currently contributing the max my employer will match in the 401k (they match 37% on the max 8% that I contribute). I hate having all this money sitting in the bank making absolutely NOTHING! Should I pay off student loans, invest, or are there other options I should consider? I am completely clueless on finances.

Additional Details:
I should probably have mentioned that my student loans are 6-7%. I am leasing my car so there is no loan/interest there.
Personal Finance Deals
How much money did you have saved before purchasing a home?
Added on : Tuesday February 04th 2014 04:00:08 PM
g: 0 Posted By: packers9626
Views: 142 Replies: 0 And what was the down payment and purchase price?


Real Estate Deals
PineconeS Research Scam!
Added on : Tuesday February 04th 2014 01:00:08 PM
g: 0 Posted By: VerbalK
Views: 138 Replies: 3 Figure this might be relevant since I know many of us have at some point did the $5 a pop pinecone surveys. A while back I got a message in my spam box with the typical mystery shopper scam stuff, though it was a good effort (very close to the old pinecone format, though with an extra "S" for sucker). I put in my spam email address and a PO box. I didn't notice, but I did receive several more message about my approval in the spam folder.

Today I got a "check" for $2250 to assist me in testing Wal-Marts money order system, the standard send $1800 to the Philippines, keep the rest, kind of thing. Very well put together package, no obviously stilted English, or other dead giveaways... other than the "duh, why are they paying me $500 to assess the friendliness of Wal-Mart cashiers. (I could tell you they suck for free). In closer reading, there are a few giveways, capitalization in weird places, euro date format, "text only" phone numbers. I guess it makes sense filippinos would speak more idiomatically than Nigerians.

What should I do with this now? Give it to the post office to investigate mail fraud? Cash the check and flee to costa rica? Spam the text number with pictures of cats? Try to get a picture of them putting fish and bread on their head?

pineconesresearch.com is the domain, not much in the whois, phone number 202-688-8936, check came from a tina avila, 459 Country Club Rd, Newnan, GA 30265, with the name Jinni B Redmond on the fake cashiers check.
Discussion Deals
Financing Rural Land (with New Construction Housing On It)
Added on : Tuesday February 04th 2014 11:00:19 AM
g: 0 Posted By: ltcm
Views: 152 Replies: 4 I'm considering buying a piece of property and building a house on it. I've narrowed down the area (within 15 minutes of where I currently live, about 45-50 minutes from the downtown of a major city), but have not picked out a specific lot yet. The properties I'm looking at range from $150-$300K for 35-70 acres, with the more expensive properties including wells, power to the property already, etc. The main thing I'm interested in is how to finance this project. I've read about construction loans and land loans, but wonder whether something like this might not fit either category exactly. My questions are:

1. What type of loan should I be looking for in this situation? How much of an increased interest rate/increased down payment should I expect?
2. What if I don't build a house right away? One idea I've been investigating is to buy the land and build a nice barn with an apartment above it first, while saving to build a "main" house within 2-3 years. If I spent $100K on the barn/apartment, would I be able to get a loan for the full land amount + barn, or would the appraisal process/lack of a main structure kill this idea? The barn + apartment is definitely part of the plan in the long-term anyway due to family members who will likely live there one day, so it wouldn't be an unnecessary expense, just a reversal in the typical order of building.
3. Finally, what about just financing the land and putting a trailer on there for 1-2 years until I save up more money for the house? I'm not too familiar with loans for raw land, so I'd love to hear people's experiences about that as well.

And just general thoughts that will provide me additional avenues to research -- thanks!
Personal Finance Deals
Best way to liquidate collection?
Added on : Monday February 03rd 2014 05:00:10 PM
g: 0 Posted By: yorkie345
Views: 154 Replies: 2 Over the years I've accumulated a basement full of stuff that I want to start selling off to fund my retirement. The problem is I'm about 5 years away from retiring but I have so much stuff I want to start now. The other problem is the field that I work in would consider this a conflict of interest and if found out I would probably lose my job. I won't get into details but let's put my situation at something like I fix appliances and have amassed a ton of parts and appliances that I've accumulated over the years. Customers would be getting rid of their old stuff and I would take it off their hands and keep parts or refurb entire products. I've also kept my eye on Craigslist for a very long time and have amassed most of it that way although there's no proof that I have. I'd buy broken appliances for pennies on the dollar and fix them up and store them in my basement.

I was thinking of going the eBay route, forums, and having my nephew make a web site (his day job) to showcase everything as another means to sell. Reading recently about the $20k Paypal and getting that reported to the IRS got me thinking. What would be the best way for me to sell this stuff with minimal tax implications or no tax implications? I purchased everything as an individual with post tax dollars so I do not want to get taxed again if I were to create an LLC. It's a pretty large collection I have (6 figure$). I do have an eBay account but my account name is the same as my well-known e-mail address. So I was thinking if I did some ebaying that I would create a new account and a store with that account and tie it to a new Paypal account. With Paypal is there any way to use my current account and hide my name and give it some bogus company name or do I have to go legit with that?

I have no idea what to do.
Personal Finance Deals
g: 0 Posted By: IL352010
Views: 217 Replies: 2 First, thank you for your ideas and suggestions. This truly means a lot to me. I have searched and read through the required materials on this board. Again, I genuinely thank you for your time. I have tried to include the most pertinent information below.

My question is: How much should I invest in my 401k v. how quickly should I pay off my student debt.

I am 26 years old. Graduated with a professional degree in mid-2013, passed my professional licensing exam and started working at a Fortune 500 company in early January 2014.

I managed to get out of undergrad with no student loans (working during the year + summers and earning grants and scholarships). I graduated from law school with $62,000 of debt and allocated it by percentage below. (All Federal Loans).

Direct unsub. Stafford- $33,000 (6.8%)
Direct Sub. Stafford- $17,000 (6.8%)
Direct Student Plus- $12,000 (7.9%)

I've been paying off interest as it comes due throughout law school and have no other debt whatsoever. That said- my savings are nearly 0. (I will be receiving my second paycheck this week).

My starting salary is $75,000 even. I expect to hopefully be able to increase that in the near future. Truthfully, in my industry, I'm fortunate to have a job right now. That said, once I gain a few years of experience I believe I will be able to increase that figure dramatically.

My company offers a 6% 401k matching plan, which vests on a graded scale. Meaning- they will match my first 6% fully, however, after my first full year of employment 33% of their match will vest and be mine if I leave the company. After two years- 66% will vest and then after 3 years 100% of their match will vest. This worries me a bit because it is not uncommon to find or be offered a higher paying job within that time span. I suppose I'll have to decide how big a pay jump and whether it's worth it at the time.

Also my employer is a public traded company and they offer a ESPP. They will match the first 3% of contributions, after-tax, to that program.

I've also started a Roth IRA- although I have only put a few hundred dollars in it so far. I live in Chicago with a roommate and pay about $1,000/month total for rent, utilities, etc. I picked this living arrangement so that I could not have a car and walk about 4 blocks to work each day. If I need a car for a particular day for work- my employer will pick up the zipcar tab- which is great. My goal is to stay in this specific living situation for about 2-3 years. I eventually hope to save to buy a modest 1 or 2 bedroom condo.

Back to my question- Any advice on the strategy of repaying my loans and saving for retirement would be incredibly helpful. Again, thank you for your time and consideration.



Personal Finance Deals
g: 0 Posted By: rbstern
Views: 380 Replies: 1 Very much a YMMV deal. Found in the lighting clearance section of the Suwanee, GA store. Got two at the clearance price.

http://www.homedepot.com/p/Hampton-Bay-Bay-Island-52-in-Desert-Patina-Ceiling-Fan-14198/202024857


Home & Garden Deals

Home Depot Coupons
giveaways at AAA.com/Travelmarketplace 3/15 Hempstead, NY
Added on : Monday February 03rd 2014 01:00:08 PM
g: 0 Posted By: SinglePapa
Views: 174 Replies: 0 AAA.com/TravelmarketplaceDON'T MISS THE BIGGEST TRAVEL EVENT OF THE YEAR
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Book your vacation at the event and save up to $200*! Plus you can receive: Free luggage, priority check-in, onboard credits, room upgrades, free AAA memberships** and much more!TRAVEL CONTESTS
Pre-register for a chance to win a Walt Disney World vacation for a family of 4. Other grand prizes: 8-night trip to Italy for 2.SEMINARS
Explore local and distant lands on one of our travel seminars: Renowned packing expert, Anne McAlpin, presents "Pack an 18-lb Carry-on Bag for a 2-Week Trip"; Honeymoon and Romance Getaways with Sandals and Solo Travel with Gutsy Women Travel.FUN FOR KIDS
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Open a new AAA Member Rewards Visa card and receive a $100 Gift card and $75 credit on your statement.AUTOMOTIVE SERVICES
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Travel & Tickets Deals
100W LED Outdoor Flood Light $69.99 Newegg Free Shipping
Added on : Monday February 03rd 2014 01:00:04 PM
g: 0 Posted By: toussi1
Views: 167 Replies: 0 Newegg has 2 types of 100W LED Flood lights

$69.99 with Free Shipping (cheaper than eBay and Amazon by at least $10!)

You use these outdoors or indoors for security or backyard lighting - pretty much anywhere you want to light up

Warm white http://www.newegg.com/Product/Product.aspx?Item=9SIA0XA0970877
Cool Whitehttp://www.newegg.com/Product/Product.aspx?Item=9SIA0XA12M9757

Home & Garden Deals

Newegg Coupons
Chex Systems -- What is it and are there any worries?
Added on : Monday February 03rd 2014 12:00:10 PM
g: 0 Posted By: debentureboy
Views: 93 Replies: 1 I recently decided to get a free copy of my Chex Systems report. It shows some interesting things and begs some questions. Is there a CS expert in the house?

Similar to other reports, they've got 8 addresses for me, all but two of which are twists and flips of where I've really lived. Really, guys? You can't get apartment 2078 right? (shows up as ap, ap 2, #2...)

I've had 15 inquiries in the last year. That's all they gave me -- the last year. I assure you I've had the habit much longer than a year. Their own guidance says that my record can be pulled back as long as 10 years (for negative stuff) and they keep and report for 3 years on non-negative stuff (such as inquiries)... Why only give me the last year? I called (SORRY!!!!) and they said that was all they had on me. Again, I assure you I've had the habit much longer than a year. Is this the result of the CS equivalent of B*? There were several accounts that I opened in the last year that did not show up -- a regional Southwest bank, BBVA Compass are a few that I opened, but don't see an inquiry for. Anyway, I called and asked about only a year of data and the CS rep (India?) said that was all they had on me. OK!

I have 8 non-derogatory records. I wonder what that means? They tell me to write my request down, mail it to them and they'll forward it to Lexis-Nexis. I may do that after a few more checking account bonuses... IF I get some spare time. Zero derogatory records, just in case anyone was curious.

They tell me I've ordered one set of checks in the past three years (and it was about 3 years ago). Hmmm... that must mean the stacks of checks I received from Chase don't actually exist. I'll be sure and share that with Chase next time I see them.

Inquiries seem to come in two types, similar to credit inquiries -- initiated by me (seems to count more), initiated by others (pre-approved offers and the like). Just like hard / soft credit pulls, they say the "soft" inquiries do not affect my score nor are they visible to future providers. Some of my recent prepaid debit card providers did a pull, many did not. Some of the prepaids that have savings accounts associated with them did not make an inquiry. Interesting.

Some banks pulled for every account opened -- savings, checking, CD. Others did one pull for several accounts.

I have a "wealth index" of 4 on a scale of 0 to 6. They tell me this is based on water craft, aircraft and property asset records (Cars were not listed. I don't get credit for driving a decade old Buick?????). I'm guessing the FWF crowd is often mis-represented on THIS scale! The "big hat, no cattle" guys shine here!

They will kindly provide me with my CS score for the low-low price of $10.50. I hope they will take a (rubber) personal check ;^) I'll get a check in the mail to them and report back here.

SO.... I'm really most interested in getting a collection of real examples of AA that anyone's had from too many CS inquiries. (I'm not too interested in AA as a result of overdrafts, write-offs, etc... but if you feel compelled to share, post away!). (I've recently had Simple Bank deny me an account due to too many CS inquiries, so I know that can happen...) Can too many CS inquiries result in AA from other providers? (existing accounts)

Anything I'm missing on the whole CS process?

Thanks in advance!





Discussion Deals
Sell or Keep this Rental Property
Added on : Monday February 03rd 2014 11:00:18 AM
g: 0 Posted By: callthedr
Views: 83 Replies: 4 I know there are similar threads to this but when it comes to deciding whether to keep or sell a rental property, I figure each situation is unique and I wanted to see what advice people had for this situation:

We bought a condo in 2001 for $170,000, which we lived in until 2007 when we moved to another house. We now owe around $224,000 (we took equity out of it in order to get a down payment on the house we currently live in). We just did a refi eight months ago for 15 years at 3.0% so we'll have it paid off in a little less than 15 years. However, we lose around $5,000 to $6,000 a year in cash flow (although that could be lowered a bit if we keep it since we'll be able to raise the rent as the current tenant is moving out and the rent is kind of low now). And that's with having the same good tenant in there for seven years now and never having to re-paint or find a new tenant, etc. and deal with those extra costs. They were only selling for around $260,000 a few years ago but now a few have sold in the $340,000 range or even higher. Ours is not fixed up as much as some of the condos in the complex so perhaps a $330,000 selling price might be a best guess. I figure that after a few fix-ups on the place, realtor commission, taxes, etc., we could maybe walk way with $30,000 or so in cash after it's all said and done.

Our income is steady and pretty decent so we are able to absorb the cash losses without much trouble but I'm not sure it's the best thing to have a negative cash flow for 14+ more years before finally paying it off and making money off the thing. We do pay off more than $1,000 of principal each month since our interest rate is low and it's a 15 year loan, so I guess technically we're coming out ahead each year as far as net worth goes but not cash-wise.

The condo is in a nice area of Southern California, about 4 miles from the beach, so it's an area where rents and prices of houses are likely to rise over the years.

Finally, I don't want to regret getting rid of it if it doesn't make financial sense. But I'm not too fond of being a landlord and if financially, either decision is justifiable, I'd rather just not have the headache of being a landlord and have the extra savings to pay off my wife's school debt, save for kids college, etc. Any advice that people have would be appreciated. We talked to a professional advisor that we trust. I think he kind of favored keeping it but he more or less said it comes down to the question of whether or not you want to be a landlord or not. He thought if we didn't want to be a landlord, it's fine to sell since he knows we'll do something useful with the money and not just waste it. Thanks.

Real Estate Deals
Chase "account verification" robodial
Added on : Monday February 03rd 2014 04:00:09 AM
g: 0 Posted By: Alexsoccerboy
Views: 48 Replies: 0 If it weren't the fact someone in my family told me that they received the same call yesterday, I probably wouldn't bother to post this.

Received robodialed "unknown" call. Voice prompted me to verify my "Chase Mastercard Debit Card"(which I don't own). Google tells me this one has been around for a while, so it doesn't seem specifically new or targeted(no pun intended). Still, same geographic region within 24 hours of each other(two different carriers, one prepaid one post) is a bit much of a coincidence to think activity isn't picking up.

I'm sure none of you would fall for this, but thought I'd give a heads up so you can all pass the word at the water cooler to your less savvy friends.
Discussion Deals
Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
g: 1 Posted By: remick
Views: 233 Replies: 0 http://www.amazon.com/dp/B00AFWM4PW

4.5 out of 5 stars (16 customer reviews)

Jesus had little patience with institutional religion that cared for its own needs while neglecting the plight of ordinary people. In one of his most famous parables, he sets up as a model of Christian behavior a man who, unlike some religious folks, actually gets down off his donkey and helps a person in dire need.

With energy and enthusiasm, Reggie McNeal calls believers to dismount, get down and dirty, and live a life that makes a difference. He shows readers how to recalibrate their spiritual efforts to move from church-centric service to greater community engagement in order to do their essential part in creating a world worth living in. McNeal also shows readers that helping others actually helps the one doing the service just as much as the one being served. In fact, serving is the very best way to learn about yourself and grow spiritually.

Anyone who longs to have the impact on the world that Jesus did will love this provocative and inspirational message.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/Scarface-annotated-Interviews-Film-makers-...

"I always tell the truth. Even when I lie."
- Tony Montana

Scarface is a powerful, stylized commentary on violence, materialism, excess, corruption and crime in America. Set during the drug-driven decadence of Miami in the 1980s, it is a rags to riches story about the rise and fall of an illegal immigrant from dishwasher to narcotics kingpin who is undone by greed and delusions of grandeur triggered by cocaine psychosis. It is both thrilling entertainment and a wicked, nightmarish parody of the American dream.

Scarface: The Ultimate Guide places the movie in its historical context and examines its origins, development, production, release, critical reception and current status in the culture. The highlight of the book is a detailed analysis of the movie from first frame to FADE OUT.

Everything there is to possibly know about the history of the 1983 gangster classic is here.

Who really came up with the idea? Martin Bregman or Al Pacino?
How many of the 18 creatures mentioned in the film can you name?
Did Pacino ad-lib the word 'yeyo'?
Why do rappers like the film so much?
How does music play a part in the movie?
Is Scarface anti-Semitic?
What is the relevance of the pelican?
Was it really dismissed by critics?
What did Quentin Tarantino steal from the movie?
Where does the line 'Don't get high on your own supply' come from?
Did you know the production was chased out of Miami and had to relocate to L.A.?
What is the significance of the name 'Elvira'?
Was Omar Suarez a stoolie?
Why are there so many background shots of US Presidents in the movie?
Is the chainsaw scene really violent?
Why are there so many errors in the movie?
Where was Sosa's estate shot?
What are Tony's true feelings about his sister?
Who exactly is Nick The Pig?

Sit back, grab a glass of gin, spark up a Cuban cigar, check the magazine in your M16 assault rifle with 40mm grenade launcher, find a mirror or clear a surface on your desk and let Scarface: The Ultimate Guide take you on an illuminating tour of your favorite movie.

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

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

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

Timeline in case it matters;

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

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

Tax Deals
g: 0 Posted By: fbckids
Views: 1378 Replies: 1 The Children's Place B&M Extra 40% off entire store INCLUDES Clearance!!

Use code 221 @ checkout to obtain an additional 40% off everything in the store including Clearance merchandise.
Local store (Fairlawn, OH) had all outerwear @ $9.99 ($6.00), and pretty much everything else@ $3.99 ($2.39).
Expiration date is2/1. Take advantage of all of the end of January Fall/Winter Clearance items!

I actually stopped shopping there as the prices were getting too high for the quality, but I filled uptheir largest bag for $35.XX.
Clothing Deals

The Childrens Place Coupons
Free Kindle Book- The Lost Encyclopedia of Palmistry (was $12.95)
Added on : Saturday February 01st 2014 04:00:08 AM
g: -1 Posted By: remick
Views: 252 Replies: 0 http://www.amazon.com/Lost-Encyclopedia-Palmistry-pathway-unders...

The reading of the palm has been turned into a parlor game or swindle of the roadside fortune teller for the amusement of of those seek shallow entertainment, but not so long ago this Palmistry was a practice with merit and held in regard with any of today's psychology methodologies.

Here we have the exhaustive volume that reveals in great detail the science and secrets by which a persons character and propensity for future behaviors may be discerned.
By using these methods much can be learned, not only about others, but about oneself.
Books Deals

Amazon Coupons
Inheritence Fairness Question
Added on : Friday January 31st 2014 05:00:11 PM
g: 0 Posted By: investingstuff1971
Views: 5 Replies: 0 I have a philosophical question that I'd like some feedback on. I am an only child and 15 years ago (when I was in my late 20s) my mother married a man with two sons, both of whom were between 5 and 10 years older than me. A couple of years ago they created a will and I recently found out that essentially the terms are that everything is split in thirds with each of his sons and me each receiving an equal share. This struck me as unfair especially considering that prior to her retirement last year, my mother was the principle bread earner. It seems much more equitable to me that I should get half and that his two sons should split the other half. I'm wondering what other people think. I should add that this is strictly an academic question. We are not talking about a great deal of money; in fact, if their resources prove sufficient to provide for the remainder of their retirement and any necessary health care, I will consider that an absolute blessing. I would never even consider petitioning them to change the terms but I am surprised that my mother who is a smart, fair person could have such a different sense of what's equitable than I do. Who do people think are right or is this really just a grey area?
Personal Finance Deals
g: 0 Posted By: fbckids
Views: 89 Replies: 0 The Children's Place B&M Extra 40% off entire store INCLUDES Clearance!!

Use code 221 @ checkout to obtain an additional 40% off everything in the store including Clearance merchandise.
Local store (Fairlawn, OH) had all outerwear @ $9.99 ($6.00), and pretty much everything else@ $3.99 ($2.39).
Expiration date is not defined, so who knows how long we can use it.

I actually stopped shopping there as the prices were getting too high for the quality, but I filled uptheir largest bag for $35.XX.
Clothing Deals

The Childrens Place Coupons
What to do with 503b account?
Added on : Friday January 31st 2014 06:00:08 AM
g: 0 Posted By: valvo23
Views: 80 Replies: 1 My wife has an old503b account through her workvia ING. She started it prior to us getting married and since then her school system changed from ING to another company and for whatever reason the money wasn't transferred to the new company and she no longer has been contributing to a 403b. I'm not too familiar with a 403b though from what I've read appears similar to a 401k. The account balance isn't much, around 5k. I'd like for us to move those funds into an account that we are contributing to, like a Roth IRA. Is that a good idea? Or, should she see if her school's HR/Payroll dept can roll it to the new 403b company or other suggestions?
Personal Finance Deals
Free Kindle Book - Healthy and Delicious Low Carb Cooking
Added on : Friday January 31st 2014 05:00:21 AM
g: 0 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/Healthy-Delicious-Low-Carb-Cooking-ebook/d...

5.0 out of 5 stars (12 customer reviews)

Take a look in the mirror. Are you happy with what you see? Or are you a part of the nutritional statistic that estimates that 68.8 percent of American adults are overweight or obese.
Sadly, 16 percent of our children under age 19 are considered overweight. Many kids today are destined for a lifetime of struggling with their weight and serious health problems, including diabetes and heart disease.
There's a lot of national debate about how so many of us got this way, but most experts agree we're sitting at our desks or on the couch too much and not moving our bodies enough. And yes, there is just too much good food (and bad food) everywhere, including on our dinner plates.
This serious public health issue continues to build, and it is estimated that 73 percent of American adults will be overweight or obese. We are long overdue in reversing this trend!
So let me congratulate you on taking the first step in managing your weight with the purchase of this cookbook. I hope that this collection of recipes will help you make smart food choices every day. These low-carb recipes - from the Mediterranean Beef Kabobs to the Crab Chowder - taste really good, and I have trimmed fat and calories to make each recipe better for you and your family.
The benefits of smart eating and maintaining a healthy weight are tremendous - including that feel-good feeling every time you look in the mirror.
Totally Free Deals
Nook Book Free Friday's - Bear is Broken by Lachlan Smith @ B&N.com
Added on : Friday January 31st 2014 04:00:09 AM
g: 0 Posted By: canavja
Views: 100 Replies: 0 Free today only -
http://www.barnesandnoble.com/w/bear-is-broken-lachlan-smith/1110433841?ean=9780802193698&itm=1&usri=bear+is+broken

Overview
Leo Maxwell grew up in the shadow of his older brother, Teddy, a successful yet reviled criminal defense attorney who racked up enemies as quickly as he racked up acquittals. As children, their father was jailed for the murder of their mother, and Teddy was left to care for Leo who tried to emulate his older brother, even following him into the legal profession.

The two are at lunch one day when Teddy, supposed to give the closing argument of his current trial that afternoon, is shot: in public, in cold blood, the shooter escaping without Leo being able to identify him. As Teddy lies in a coma, Leo comes to the conclusion that the search for his brothers shooter falls upon him and him alone, as his brothers enemies were not merely the scum on the street but embedded within the police department as well. As he begins to examine the life of a brother he realizes he barely knew, Leo quickly realizes that the list of possible suspects is much larger than he could have imagined.

The deeper Leo digs into Teddys life, the more questions arise: questions about Teddy and his ex-wife, questions about the history of the Maxwell family, even questions about the murder that tore their family apart all those years ago. And somewhere, the person who shot his brother is still on the loose, and there are many who would happily kill Leo in order to keep it that way.

Three reviews - 4.5 out of 5 stars
Totally Free Deals
REI.com DOD 1/31/14 $25 Black Diamond Storm Headlamp - 2013 Closeout
Added on : Friday January 31st 2014 04:00:04 AM
g: 0 Posted By: DaysFan
Views: 176 Replies: 0 http://www.rei.com/outlet/deal-of-the-day

Black Diamond Storm Headlamp - 2013 Closeout
$24.73 $49.95*REDUCED PRICEYou Save 50%


Built to withstand the worst weather, the Black Diamond Storm Headlamp offers a 100 lumen beam and tough, waterproof construction.

Headlamp features a TriplePower LED that outputs up to 100 lumens and throws a beam up to 70m so you can locate the hiking trail at night
2 SinglePower white LEDs and 2 SinglePower red LEDs output 25 lumens and throw a beam up to 20m
Use the red LEDs to preserve night vision while hanging out at camp or making your way down the trail
Dimmer switch lets you choose the light output needed for the task at hand, from a blazing 100 lumens down to 25 lumens
Use the 2 strobe functions to flash red or white light
Sleek headlamp operates on 4 AAA batteries, included
4 AAA batteries provide up to 50 hrs. of use on high and 200 hrs. on low; battery indicator light helps you determine how much battery power you have left
The Black Diamond Storm headlamp has an IPX7 waterproof rating (protected against water immersion down to 1m for 30 min.)
Closeout

Imported.Item 871873


Electronics Deals

REI Coupons
g: 0 Posted By: NantucketSunrise
Views: 188 Replies: 0 A free money transfer on Xoom.com with this coupon code - it's probably only good for January 31st (today).

code: XOOMNEWYEAR

Note:You will need to go through most of thetransaction screenson Xoombefore you will see the place to enter a coupon code - it is at the bottom of one of the very last pages as a question: "Have a coupon code?" When you click on that question, a space opens up where you can enter the code.

Tip: To check exactly how much foreign currency doing your desired money transfer would net you via Xoom, you can look it up without signing up fororlogging into Xoom -- just go here and enter the details of your preferred transaction: https://www.xoom.com/money-transfer-fees.
Services Deals
This home entertainment system provides you with a Blu-ray player, 5.1 channel surround sound and 1000 watts (167W x 5 + 165W) of total power.Official TigerDirect.com Coupon Codes on HDTVs, Laptops, PCs, Hard Drives, Components, and Much More!
Cord Blood Storage Services/Finance
Added on : Thursday January 30th 2014 07:00:08 AM
g: 0 Posted By: thepunkrat
Views: 94 Replies: 3 Hi Everyone,

I am having my first baby this year have been fortunate enough to have one during the time where stem cells exist in normal procedures where it can cure current incurable diseases such as Alzheimer, arthritis, and birth defects such as autism or Sickle cells and even certain cancers.

With this in mind, it is almost a given now to save the umbilical cord and its blood for insurance for my baby's future.
I called my insurance company High Mark Blue Shield and they told me that they do not know if the procedure to extract and process the cord blood and that it may or may not be eligible for preventive care. They did however mention that CordCell is partnered with them and have a discount of $350 if I have High Mark.

Then I looked into an FSA or HSA account and the guidelines were specific in which it is only reimbursable if the cord blood or the cord tissue is going to be used for a known disease or treatment in the future. I don't know how anyone would know unless the baby was tested before being born. And tests before being born as I was told is very risky to the baby.


My question is, out of your own experience, who did you ultimately go with, are you happy with their services and what were your methods of financing this?

Any information is much appreciated.
General Economics Deals
Free Kindle Book - The Unofficial Guide to Nutella
Added on : Thursday January 30th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B006YRN15O

4.1 out of 5 stars (24 customer reviews)

Nutella. A mix of chocolate and hazelnut If you know it, you love it!
We, the World Nutella Day co-hosts, decided to put together this primer for both aspiring and veteran Nutella fans to better understand their favorite hazelnut spread and help spread the word about Nutella!
Inside the guide, you'll find Nutella recipes with full-color photos (black & white on classic Kindle), an introduction on how to eat Nutella, our favorite Nutella combinations, fun ideas for how to enjoy Nutella, how to throw your own Nutella party, and much more.
If you like to cook, or just want to experiment with some sweet treats, you'll love the recipes in The Unofficial Guide to Nutella.
g: 30 Posted By: Redbeard25
Views: 1074 Replies: 21 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

Grocery Deals

Amazon Coupons
g: 7 Posted By: Redbeard25
Views: 371 Replies: 5 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

Grocery Deals

Amazon Coupons
Tivoli Audio Model 10 Stereo Clock Radio, $125 economy shipped
Added on : Wednesday January 29th 2014 02:00:02 PM
g: 0 Posted By: cga
Views: 14 Replies: 0 Tivoli Model 10 comboin Lines color pattern.

Deal ends 1/30/14. This is a really low price for this clock radio. Google it and you'll see. Also available in other colors for a higher price. It's selling for much higher prices on eeBay. Don't forget the FatWallet CashBack. Shipping is $6.00. I'm in NY and was charged sales tax. Don't know if sales tax will be added for any other states.

"Model 10 Combo (2 PC):
Stereo AM/FM clock/radio
Compact footprint
Real furniture-grade wood ported cabinet
3 inch full range, long-throw driver
Large, high visibility LCD clock and menu screen with adjustable backlight
Separate stereo speaker
FM RDS text information
Remote control
Top-mounted rotary provides simple, multi-function control
Five station presets
Dual alarm wakes to radio or tone
Adjustable sleep timer and snooze function
Real time clock maintains time during power outage
EQ for bass, treble, loudness, and balance
Meets energy conservation requirements worldwide
Measures 4 3/5 inches square by 8 inches in height"
Electronics Deals
g: 4 Posted By: gizmo
Views: 512 Replies: 4 Store pick-up is only option. The others they have available on their site for shipping are much more expensive.

$14.97Rubbermaid 14-Gallon (56-Quart) Access Medium Tote, Set of 419.51x17.51x15.08 -You have to click on the Color: Black to see price, even though it's the only option.

$12.97Rubbermaid 11-Gallon (44-Quart)AccessSmallTote, Set of 4 19.51x17.51x11.58 -You have to click on the Color: Turquoise to see price
These go for$12.97 Each at the Depot

This seems like it may be a price mistake? Will find out at pickup tomorrow if they actually give you (4) or if you have to argue about it!
Home & Garden Deals

Walmart Coupons
g: 0 Posted By: Bagofchips
Views: 118 Replies: 2 Much of this needs to be handled by a tax advisor / tax attorney, and maybe there's really not much to be done here, but thought I'd share w/ you a situation I'm being asked to opine on with a family member (FM).

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

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

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

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


Personal Finance Deals
Neighbor's leak has caused property damage - difficulty getting resolution
Added on : Wednesday January 29th 2014 09:00:10 AM
g: 0 Posted By: udonoogen
Views: 133 Replies: 1 Hello Fatwallet!

I thought I might be able to get some advice on how to resolve this issue - which has been a lot more difficult to do than I originally thought.

The Story:
- I have a detached garage in my townhome complex. Above my detached garage, there is another unit owned by another neighbor, who rents it out via a property management company. His porch is directly above a portion of the garage.
- I live in Southern California. It's usually sunny but occasionally it really pours here.
- In Spring-ish 2013, it rained pretty heavily and caused the drywall in my built-in cabinets to collapse. Water damage turned into mold.
- I began the process of contacting the HOA, which in turn contacted the other owner. No response. It's not a big deal, since it's my detached garage, so it fell through the cracks with other life priorities (e.g. new baby).
- It rained again in September/October last year and water was draining out of my cabinet again. I contacted the owner's property management company and they sent out a contractor to do an estimate. I contacted them persistently since then and they gave me various excuses. They finally told me a couple weeks ago that the owner had postponed the repair due to lack of funds.
- I contacted my insurance agent and she said my homeowner's couldn't do much because they can't repair the source of the leak. The HOA claims they are only responsible for the roof (not the porch).
- I filed a Better Business Bureau complaint against the property management company yesterday and emailed their customer service, copying my HOA representative. Short of that, I'm running out of options to get this fixed (short of paying for his porch repair, myself).

Do y'all have any suggestions? I have a group legal plan through work but I understand I'll still have to pay for a portion of the attorney's fees. If I go to small claims court, do I get my attorney's fees back? If I call my homeowner's insurance (Mercury), would they fight for this on my behalf, since it is causing damage to my property? I am concerned about the black mold and (later on) resale value of this townhome when our family decides to move.

Thanks in advance!
Real Estate Deals
Interactive Brokers margin loan for real estate purchase?
Added on : Wednesday January 29th 2014 08:00:11 AM
g: 0 Posted By: jkbrennan77
Views: 37 Replies: 0 I'm looking to build a new home and don't want to sell stock to do it. Interactive Brokers (IB) margin rates are 1.57% on the first $100k and 1.07% on the next $900k. I currently pay 2.875% on my mortgage and would expect to pay more on a new loan in particular if it was a construction loan. A Schwab Pledged Asset Line seems to be over 3.5% (1-month LIBOR plus 3.4+%).

I expect to borrow around $400k for the new home. Why wouldn't I just transfer ~$1.2 million worth of stock into an IB account and use margin to pay for the new home? (For tax purposes I would be taking separate cash out and using the margin to pay for the stocks).

I understand there is market risk and if the stock portfolio fell below $600k (?) I would risk a margin call. I would use mid and large cap US stocks and ETFs that presumably have low margin requirements (long holdings, no shorts, no options, etc.).

I also understand there is margin rate risk that the margin rate could go up over what I could get in a traditional mortgage. I don't believe the fed funds rate is going up to 2.5%+ in my time frame of the next 5 years. Also, I will likely sell my current home once the new one is complete (within 6-12 months of starting construction/initiating the margin loan) and could use the money from that to pay off the margin loan if rates go up.

They mention a $10 minimum trade commissions per month but a.) that's trivial compared to the interest savings b.) based on their fees I might do that anyway and c.) that seems to be waived for accounts over $100k. Will they throw me out if I just let the account sit there and just make a trade or two each month?

Are there other costs/risks to the IB accounts or margin loans I'm not accounting for?

Are there better alternatives I should be considering? Where better would be still sub-2% interest rate but with lower interest rate risk or market risk and without paying high closing costs or points. I'm willing to put up as much as $1.5 million in equities and the house worth $600k as collateral.
Investing Deals
Fiskars 7857 X15 23.5-Inch Chopping Axe
Added on : Wednesday January 29th 2014 01:00:06 AM
g: 0 Posted By: TomPtz
Views: 109 Replies: 0 Fiskars 7857 X15 23.5-Inch Chopping Axe
List Price: $49.99
Price: $35.04 & FREE Shipping. Details
You Save: $14.95 (30%)
In Stock. Ships from and sold by Amazon.com.
Gift-wrap available.
Want it tomorrow, Jan. 30? Order within 10 hrs 41 minsand choose One-Day Shipping at checkout. Details

All-purpose chopping axe makes felling small trees and chopping logs of virtually any size quick and easy
Chops up to three times deeper than a traditional axe to chop more faster
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won't break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

Tools Deals

Amazon Coupons
Fiskars 7850 X7 14-Inch Hatchet
Added on : Wednesday January 29th 2014 12:00:03 AM
g: 0 Posted By: TomPtz
Views: 25 Replies: 0 Fiskars 7850 X7 14-Inch Hatchet
by Fiskars
List Price: $29.99 Price: $25.97 & FREE Shipping on orders over $35. Details You Save: $4.02 (13%)
In Stock. Ships from and sold by Amazon.com. Gift-wrap available.

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

Tools Deals

Amazon Coupons
g: 0 Posted By: jaymanthegreat
Views: 40 Replies: 0 Eclipse Samara Blackout Energy-Efficient Curtain $9.87- $11.97

Item Description:

Bring warmth and style to your room with the Eclipse Samara Blackout Energy-Efficient Curtain. The blackout window panel completely blocks out all light in a room when closed. The Eclipse Samara Blackout Energy-Efficient Curtain also insulates and contains warmth during cold months to your room. The energy saving curtain is much preferable for its cost effective heating and cooling solutions. The room darkening curtain can be hung in your bed room or living room, and even in your office cubicle windows.

Eclipse Samara Blackout Energy-Efficient Curtain:

Light-reducing
Noise-reducing
Energy-saving
Textured tone-on-tone design provides alternative to solid curtains
Hang them in your living room, bedroom, office, nursery or kid's room
Use 2 window panels on a standard or decorative rod for optimal coverage
Polyester/cotton blend
Care: machine wash; tumble dry; do not bleach
Sold as single panels
Imported
Also Available:Eclipse Samara Blackout Energy-Efficient Valance
Bundle and save: Efficient Curtain, Set of 2 Bundle
Bundle and save more! : Efficient Curtain, Set of 4 Bundle

http://www.walmart.com/ip/Eclipse-Samara-Blackout-Energy-Efficie...
g: 0 Posted By: dougtaylor1
Views: 37 Replies: 0 I personally have made $1,000 by losing weight in the last year. I was going to do it anyway, so it was easy money.
This was posted over a year ago by NantucketSunrise, and some of their programs have changed, but I can tell you from personal experience, this is legitimate.
They have been featured on many news programs including Fox News, the Today Show, CNN, The Doctors and many news magazines.

HealthyWage.com

They had 2 different programs that Isigned up for...
1.) Lose 10% of your weight in 6 months. Put up $150 to win $300. I did this twice and got paid for each 10%.
2.) Go from a BMI of at least 30, and get it down below 25 in 1 year's time. You could do this for free to win $100, but I paid $300 and won $1000.

The great thing was that I was losing weight anyway and this gave me the incentive to lose more weight than I had planned. I am so glad i did. I went from 258.5 lbs.to 184 lbs. in a year and a half and reduced my BMI from over 30 to less than 25 and my fat percentage to 20%. My visceral fat went from 15% to less than 10%. I haven't been this in shape for 30 years. I was not planning on getting down to 184 lbs. My original goal was getting under 200 lbs. Because I signed up for HealthWage it motivated me to reach 184 lbs.

They have 2 current programs.

1.) Join a group weightloss competition of 5 people. I was already losing weight on my own and didn't want to bother with other people. This is for 12 weeks. It can be a group of friends or employer based. Entry is $25 a month per player. The team with the greatest percentage weight loss wins $10,000. $5,000 and $3,000 for 2nd and 3rd place. See more here: HealthyWage Team Challenge
2.) Set a goal and tell them what the goal is and how much you are willing to wager each month of theperiod and they will tell you how much you will get back. It must be alteast 10% of your current weight. Here is how it works: HealthyWager

From there you need to get weighed in. You have 3 options.
1.) Your personal doctor
2.) A gym or some place working with healthywage
3.) You make a video of yourself being weighed and upload it to their website. I did it this way. I followed their instructions and was successful each time with no problems.

They also want you to take a "before" picture of yourself. And then provide an "after" picture in the event that you win. During the 6 months to 1 year that you are doing this program, you need to submit your updated weight at least every 7 days. You do not have to go anywhere special to get weighed in, you just need to log into their website and put an updated weight. If you miss entering your weight 3 times during the challenge, you lose.

25% of the people are successful with these challenges. I think the things that you need to consider before signing up for this is...
1.) Will I remember to update my weight every week? I suggest putting a weekly reminder on your cellphone, that is what I did.
2.)Can I keep the weight off? It is not as simple as winning the challenge. Say you lose the 10% required in 3 months. They want your weight at 6 months. So you will need to keep that weight off for an additional 3 months.
4.) Am I willing to risk the money? For me it was not about winning money. I hate the thought of losing it. And itgave me a lot of motivation.

Here is the original thread. Disregard any questions about the legitimacy of it. I have done it and it works. http://www.fullofdeals.com/forums/hot-deals/1252592/

Some material here credited to themadhookup! Thanks.
Services Deals
Over 50% off Select Items from Amazon's NFL Fan Shop
Added on : Tuesday January 28th 2014 05:00:16 AM
g: 0 Posted By: Solipsist
Views: 447 Replies: 0 Over 50% off Select Items from Amazon's NFL Fan ShopNot too much selection for the two teams going to the show, but there is a little more stuff available for those of us whose favorite teams didn't quite make it.  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Amazon Coupons
Retirement funds
Added on : Monday January 27th 2014 08:00:08 PM
g: 0 Posted By: uchau
Views: 86 Replies: 3 Okay I've max out my companies 401K. What else can I contribute to? I'm pretty much single now and want to save up for retirement as much as I can before marriage kicks in and have to spend money on other stuff.

Can I also contribute to ROTH IRA too?
Question Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.cheatbook.de/cheatbook-database-2014.htm

Cheatbook-DataBase 2014 is a cheats code tracker that makes hints, Tricks, Tips and cheats (for PC, Walkthroughs, Playstation, Playstation 2, Playstation 3, Playstation 4, Sega, Nintendo 64, Nintendo DS, DVD, Gameboy Advance, Gameboy Color, N-Gage, Nintendo DS, XBox, XBox 360, XBox One, iPhone, Gamecube, Dreamcast, Super Nintendo, Wii, Wii U, Sony PSP) easily accessible from one central location. If you're an avid gamer and want a few extra weapons or lives to survive until the next level, this freeware cheat database can come to the rescue. Covering more than 22.000 Games Cheats, this database represents all genres and focuses on recent releases. Games are listed alphabetically in the left-hand window. When you click on a game name, the relevant cheat is displayed in a editor window, with convenient buttons that let you print the selection or save any changes you've made. In the latest past many users of the CheatBook-DataBase and readers of the monthly being published magazine have sent to us small error messages and suggestions for improvement again and again. First of all we say "Thank you very much!" to all of you! Due to this assistance and the permanent sending in of new and revised cheats the CheatBook is ever increasing and becoming more and more voluminous. Release date January 5. 2014. Cheatbook-DataBase 2014 is Freeware for Win95/ 98/ 2000/ NT/ XP/Vista/Windows 7/Windows 8
Totally Free Deals
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/dp/B00E633CAC

4.4 out of 5 stars (23 customer reviews)

Tom Bohannon's discovery of an ancient scroll led him on an international adventure and through mysteries of faith and politics, ending in a place not even he could imagine: the Third Temple of God hidden under Temple Mount in Jerusalem. But soon after his remarkable discovery, the future of the world changed again. Tom watched as a chasm tore apart Temple Mount, as new rivers swept through the Kidron Valley and into the streets of Old Jerusalem, their discovery swallowed by an earthquake, crushed under tons of stone and debris. A biblical prophecy realized. The final days were upon them.

Wondering how to recover from such a momentous find and such horrendous destruction, Tom's adventures are not over. No one knows how much time is left in these last daysa year? A hundred years? A thousand? Plagued by murderous dreams, Tom fears members of the Prophet Guardkillers who wear the Coptic cross with a lightning bolt slashing through itare back and looking for him. But they are not the only threat to Tom and his team. Forces behind the Arab Spring have sinister plans. And underestimating their determination would be a fatal mistake.

The same fast-paced, page-turning prose that readers loved in The Sacred Cipher is back in Terry Brennan's eagerly awaited sequel, The Brotherhood Conspiracy.
Books Deals

Amazon Coupons
g: 0 Posted By: MickRivers
Views: 68 Replies: 0 If you bought any digital games from Amazon in the month of December, you should have received a $5 promotion valid on their "Editor's Choice" games during the month of January.

These promotion vouchers (applied automatically) are only good through Friday (1/31).

The deals have been pretty crummy for most of the month (they were much better last year, IMHO).

For example,despite being priced at $9.99 at Amazon up until the promo codes were released, Bioshock Infinite has spent most (all?) of the month at $13.20 --> $8.20 after the promo is applied, which is more than the title has been available for previously elsewhere.... It's been $8.00 at Greenmangaming several times and even down to $7.50 last week, I believe.

Late Sunday, Amazon finally discounted Bioshock Infinite to be a sub-$5 purchase, its lowest retail point so far.

The game's serial key code becomes immediately available in your "Your Games and Software Library" account and activates on Steam.

Enjoy!!
See all game choices here :2013 Editor's Choice Games

Promo will apply automatically if you have one in your account.


M
Short-term investments for spending later
Added on : Sunday January 26th 2014 12:00:11 PM
g: 0 Posted By: RunToday
Views: 144 Replies: 4 Hey all,

I need some advice on where to drop a growing amount of money (~$1k monthly) into a place that I can get it out without too much effort at some unpredictable point in the future assuming I find something fun to do with it (dream vacation, etc). HY checking accounts are not an option because I don't enjoy working to meet their minimal requirements, and the point of having this extra money is to have fun. On the other hand, I wouldn't mind investing/experimenting in private equity because the value of holding something that may generate money is fun to me in a weird way. In that case, I wouldn't necessarily need an easy way to cash out at an arbitrary time.

I make $50k annually. In 4 years I'll make $150k (on the low side) annually, putting me in the "spend now, save later" school of thought. But, I'm still living an austere and single lifestyle now, and take in approximately $15k annually more then spending. I've maxed a Roth for 2013 and 2014. Last year I almost maxed a 401k too but decided against any 401k contributions this year (just doesn't make sense with my career and near-future salary bump).

I have about $9k in savings, growing at ~$1k/month. The plan is to keep $5k in cash holdings and put the rest in some other equity of anykind. Right now I was thinking a total bond ETF but that's kind of tame. What other options are there?
Investing Deals
Bistro Hammock With Canopy and Net $199 + shipping brylanehome.com
Added on : Sunday January 26th 2014 12:00:08 PM
g: 0 Posted By: DaysFan
Views: 157 Replies: 0 Bistro Hammock With Canopy and Net

http://www.brylanehome.com/decor/Bistro-Hammock-With-Canopy-and-Net.aspx?PfId=384643&DeptId=15265&ProductTypeId=1&ppos=2&Splt=0&StyleNo=1340

linked

Item #: 1588-08359-1172

Orig: $499.99
Sale: $199.99 Save 60%


Relax in comfort in this sturdy hammock sling thats easy to set up and take down making your outdoor dcor versatile and beautiful. Dries quickly and allows air to circulate Polyester canopy protects from the suns rays nylon mosquito netting keeps insects out Side-zip openings with tie-backs Steel frame Spot clean set this hammock up on in the yard, garden, or on the patio and enjoy the dcor youve chosen for your home from the comfort of our swaying hammockThis hammock measures: 81"H x 54"W x 79"L. Weight capacity 330 lbs.Why Buy? Our buyers know how much our customers love their yards and gardens and thats why theyre
Home & Garden Deals

Brylane Home Coupons
12 unit MF purchase decision
Added on : Sunday January 26th 2014 04:00:08 AM
g: 1 Posted By: fattie88
Views: 36 Replies: 1 Hi everyone. Could use some advice. I've located what I think is an excellent investment property.

12 units. Average rental $550/month. Total revenue approximately 77k/year (includes 6% vacancy but also other income, e.g. washer, dryers)
Approximately$37k a year in expenses.
NOI is around $39k yearly.

Purchase price around $530k. Negotiations in progress.

Questions:

1) I have 3 other investment properties, a single condo, a duplex and a triplex (Pennsylvania and Virginia). Should I consider an LLC or stick with an umbrella liability policy? I read through much of this thread and I see that an umbrella is good for a few properties, but since I will own a relatively large number of units, would an LLC be more appropriate now?
2) I am 70 years old and have a large 401k position, $250,000 in an HELOC, and around a $500,000 stock portfolio. How should I structure the sale? Pulling the entire amount from my 401k will incur hefty taxes. Another option is I can obtain an investment loan for around 4.5%. OR, should I fund this from a new loan along with some HELOC from my primary residence? ... just by writing this, I realize I have about $175k I can pull out of my condo and another $100k from my duplex... should I structure the purchase based on all this equity or go for a new loan?

Thanks everyone in advance for your help!


Personal Finance Deals
HSBC Restricts Large Cash Withdrawals
Added on : Sunday January 26th 2014 04:00:08 AM
g: 0 Posted By: elptrainerny
Views: 39 Replies: 0 "Some HSBC customers have been prevented from withdrawing large amounts of cash because they could not provide evidence of why they wanted it, the BBC has learnt.Listeners have told Radio 4's Money Box they were stopped from withdrawing amounts ranging from 5,000 to 10,000.HSBC admitted it has not informed customers of the change in policy, which was implemented in November.The bank says it has now changed its guidance to staff.New rulesStephen Cotton went to his local HSBC branch this month to withdraw 7,000 from his instant access savings account to pay back a loan from his mother.A year before, he had withdrawn a larger sum in cash from HSBC without a problem.But this time it was different, as he told Money Box: "When we presented them with the withdrawal slip, they declined to give us the money because we could not provide them with a satisfactory explanation for what the money was for. They wanted a letter from the person involved."Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have 5,000?' They said no. I said, 'Can I have 4,000?' They said no. And then I wrote one out for 3,000 and they said, 'OK, we'll give you that.' "He asked if he could return later that day to withdraw another 3,000, but he was told he could not do the same thing twice in one day.HSBC customer letterHe wrote to complain to HSBC about the new rules and also that he had not been informed of any change.The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. Frustrated customersMr Cotton cannot understand HSBC's attitude: "I've been banking in that bank for 28 years. They all know me in there. You shouldn't have to explain to your bank why you want that money. It's not theirs, it's yours."Peter from Wiltshire, who wanted his surname withheld, had a similar experience.He wanted to take out 10 000 cash from HSBC, some to pay to his sons and some to fund his long-haul travel plans.Peter phoned up the day before to give HSBC notice and everything seemed to be fine.The next day he got a call from his local branch asking him to pay his sons via a bank payment and to provide booking receipts for his holidays. Peter did not have any booking receipts to show.The following day he spoke to HSBC again and this time, having examined his account, it said he could withdraw the 10,000.Belinda Bell is another customer who was initially denied her cash, in her case to pay her builder. She told Money Box she had to provide the builder's quote. Customer protectionHSBC has said that following customer feedback, it was changing its policy: "We ask our customers about the purpose of large cash withdrawals when they are unusual and out of keeping with the normal running of their account. Since last November, in some instances we may have also asked these customers to show us evidence of what the cash is required for.""The reason being we have an obligation to protect our customers, and to minimise the opportunity for financial crime. However, following feedback, we are immediately updating guidance to our customer facing staff to reiterate that it is not mandatory for customers to provide documentary evidence for large cash withdrawals, and on its own, failure to show evidence is not a reason to refuse a withdrawal. We are writing to apologise to any customer who has been given incorrect information and inconvenienced."
In a sense your money becomes pocket money and the bank becomes your parent
Money Box asked other banks what their policy is on large cash withdrawals.They all said they reserved the right to ask questions about large cash withdrawals.But none of them said they would require evidence of what the money was being used for before paying out.Douglas Carswell, the Conservative MP for Clacton, is alarmed by the new HSBC policy: "All these regulations which have been imposed on banks allow enormous interpretation. It basically infantilises the customer. In a sense your money becomes pocket money and the bank becomes your parent."t.""

From:
http://www.bbc.co.uk/news/business-25861717
Also http://www.mirror.co.uk/news/uk-news/hsbc-under-fire-after-stopp...
Personal Finance Deals
Need independent contractor tax help
Added on : Saturday January 25th 2014 09:00:10 AM
g: 0 Posted By: ishani
Views: 3 Replies: 0 Hey guys..
I am ridiculously lost, and confused about what I'm supposed to do with my taxes.
I worked as a receptionist where I was paid monthly as an 'independent contractor'. I worked there for 3 months (started end of June 2013) and a few days. I made $2,001.77 total.
this is the first time I've been an IC and am so confused. I quit in September 2013.
Ive done my research but am not following, I know I owe taxes but don't know how to find out EXACTLY what taxes, how much, and can't find when to send them in, or where. Since I owe taxes, this means I have no tax return, right?

can someone PLEASE tell me, in easy to understand for a confused person, terms, what exactly I need to do.
From start to finish... I would greatly, greatly, greatly appreciate it.

I was was just sent a 1099-misc form that only has my non employee comp part filled out. Do I send this somewhere? Or is it for my records?

I am extremely grateful for anyone who responds to help,
Ishani
Are Credit Card Purchase Refund Credits seen as Payments?
Added on : Saturday January 25th 2014 06:00:10 AM
g: -1 Posted By: ScottMalinowski
Views: 170 Replies: 5 Being a FatWalleter.....I want to float the balances as much as possible....of course. So... Can I reduce my payment from the previous credit card cycle by the amounts of credits (refunds) in the current cycle? Do they magically know somehow that that refunds and materially different then payments.

This month I made some purchases and paid in full, a few days later I cancelled and received a full refund. All on my credit card in the same billing cycle.

On my statement is says: Payments and Credits combined.....

The fine print has the words in how they calculate daily balance..... "and subtract any Payments and Credits applied to that type of transaction under the payment allocation method then in effect"

type of transaction? Do they mean purchase vs. cash advance? Hmmmm. Any experience out there?

---added later----
I pay in full every month.
Credit Deals
How to save money and still live a little?
Added on : Saturday January 25th 2014 05:00:07 AM
g: 0 Posted By: brfitzp
Views: 31 Replies: 0 So i'm 22 years old just got out of college and got a decent job in my field making 55k/yr. I have about 5k in savings and no debt besides my car payment. I want to save for so many things it seems crazy to imagine how people pay for everything they do and still save money. I want to save for retirement, a house, and i'll probably want to have some kids in a couple of years as well. I want to save money in a place in which i can use it if needed like when it comes time to buy a new car or house but it seems like IRAs and 401ks make that process difficult and costly. I don't want to live my entire life pinching pennies, I want to live too buy new things every once in a while.

Any advice on savings accounts or funds i should look into?
also, I don't expect to make this much money forever, but realistically the most I could make maybe 10 years from now is 100k. I was looking at homes in my area just to get an idea and everything under 400k was like 1100 sq feet and looked like garbage, how are people affording these expensive homes when a mortgage payment would be over 2500 a month, this seems crazy to me. I'd need to put like 150k down to get reasonable payments, That would take me like 10 or 15 years to save for. I gotta be missing something here.
Personal Finance Deals
What to do with a car with a bad engine? Donate or Sell?
Added on : Friday January 24th 2014 02:00:16 PM
g: 0 Posted By: PlayerHaterberg
Views: 48 Replies: 0 I have 2007 vehicle with 59,000 miles on it. KBB value for trade-in is $7300 - Private sale at $9500. However - there is an engine problem that would cost a a lot to replace. Dealership quoted $7300. Private mechanic wouldn't give me a quote because he said it was minimum of $2500 but would need to start tearing engine apart before he knew exact cost. Also said that the dealer $7300 cost for a new short block would not fix the problem.
Car still runs, just one cylinder isn't working (still has the other 5!)
It terms of getting rid of this car - anyone have input? My options as I see it are:
(a) Trade in to dealership that knows it has a problem - already have a quote of $2500 for this
(b)sell privately for probably the same as the trade in value - $2500 - don't see many people paying more than that
(c) Try to trade it into a dealership without disclosing it has a problem. I'm not sure if this would work, because if they so much as start it up to evaluate for trade in they would know there is an issue. Also wouldn't want to leave myself open to them coming back to me after they know there is a problem, assuming they try to recondition and sell instead of send it to auction
(d) Donate to charity since the car will likely go straight to auction. Whomever buys it at auction would only discover the problem after they bought it, but I figure people buying cars at auction without being able to drive them know this is a risk. If it sells for $6k at auction - I would end up with ~$2,000 in tax savings, plus some charity would get $6k.

I'm leaning towards (d) but not sure if there is something else I'm not thinking of? Any input appreciated.
Personal Finance Deals
g: 5 Posted By: remick
Views: 439 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
Totally Free Deals
g: 2 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/Metal-Detecting-Beginners-Mastering-Greate...

5.0 out of 5 stars (5 customer reviews)

There is an entire world of buried treasure right under our feet. This book shows you how to claim your share. Over 150 pages of valuable metal detecting information designed to get you out there finding treasure on your very first outing.

Finding treasure with a metal detector is real and doing it is simple and easy once you read this book. There are people finding incredible old coins made from gold and silver, valuable historical relics and old jewelry made from gold, silver and platinum. But you won't find these great treasures unless you know where and how to look. Metal Detecting: A Beginner's Guide shows you this and much more.

Veteran detectorist and treasure enthusiast Mark Smith continues to provide great information to anyone interested in the great hobby of metal detecting. In his second book on the subject, he manages to answer the common questions that every novice has when they are thinking about getting started. From choosing the right machine to identifying your valuable treasure, Mark Smith covers these subjects and everything in between in an easy to understand way.

While this metal detecting book may be geared towards the novice treasure hunter, there are plenty of choice tips that even experienced treasure hunters can pick up. Mark Smith reveals some of his best guarded metal detecting secrets in this metal detecting guide that puts more treasure in your find's pouch.

Fully illustrated diagrams and real life pictures describe in detail the easiest ways to not only locate treasure, but safely recover it as well.

Learn how to find more treasure by: understanding common metal detecting terminology, understanding which metal detectors work the best and where, understanding how and why a metal detector works, other equipment you will need, proper etiquette, what you can expect to find, why you should never throw anything away, how to identify your finds, how to identify jewelry, how to tell if it is real gold, how to metal detect with children, which recovery tools work the best, how to recover treasure, how to metal detect private property, how to identify unknown metal detecting finds, metal detecting creeks, rivers and lakes, pinpointing, making weak targets stronger, cleaning your finds, the best places to use your metal detector, selling your finds and more!
Totally Free Deals
g: 0 Posted By: remick
Views: 176 Replies: 0 http://www.amazon.com/Gold-Digger-Klondike-Vicki-Delany-ebook/dp...

4.4 out of 5 stars (7 customer reviews)

Limited time offer. Book One of the Klondike Mystery Series by Vicky Delaney is available for download free of charge until February 4 2014.

It's the spring of 1898, and Dawson, Yukon Territory, is the most exciting town in North America. The great Klondike Gold Rush is in full swing and Fiona MacGillivray has crawled over the Chilkoot Pass determined to make her fortune as the owner of the Savoy dance hall. Provided, that is, that her twelve-year-old son, growing up much too fast for her liking; the former Glasgow street fighter who's now her business partner; a stern, handsome NWMP constable; an aging, love-struck ex-boxing champion; a wild assortment of headstrong dancers, croupiers, gamblers, madams without hearts of gold, bar hangers-on, cheechakos, and sourdoughs; and Fiona's own nimble-fingered past don't get to her first. And then there's the dead body on centre stage.
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g: 0 Posted By: remick
Views: 58 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
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HP HD-5210 Skype-certified Webcam $40 Shipped @ Frys
Added on : Friday January 24th 2014 04:00:08 AM
g: 0 Posted By: purchaseacct
Views: 131 Replies: 0 http://www.frys.com/product/6831156?site=frysecampaign1+date:012...

I personally have it, and I just connect it to my Android TV stick for video conferencing.

Overview
Video so life-like, its just like being there. HP's HD 5210 high-end webcam streams superb quality video over much less bandwidth. HD cutting-edge technology - H.264 - delivers video faster, clearer and with far less lag time than you've experienced before.

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A couple reviews:
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http://www.pcmag.com/article2/0,2817,2393396,00.asp
http://www.techradar.com/reviews/pc-mac/peripherals/multimedia/w...
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Computer retailer accepting Bitcoin for payments
Added on : Friday January 24th 2014 03:00:05 AM
g: 0 Posted By: Logan71
Views: 51 Replies: 1 I have not put much credence into mined or ___coin currencies, as what little I've read seems to make it difficult to turn into cash or tangible goods.

However, I ran across this earlier today, which I'm torn between wondering if it adds any legitimacy to the mined currency trend, and the suspicion that someone will
find a way to manipulate it for ill-gotten goods.

Link
The site states... said: A Bitcoin wallet is a digital wallet which stores your Bitcoin balance and allows you to transact with other users online and offline. All wallets can communicate with each other similar to emails, so you can send and recieve bitcoins to anyone regardless of the type of wallet they use. Once you have your wallet setup and ready to go, you can begin shopping over 200,000 products available from TigerDirect.com!
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GUNS, New In Box German Sig Sauer P220 45ACP - $595
Added on : Thursday January 23rd 2014 06:00:03 PM
g: 1 Posted By: Cashman
Views: 67 Replies: 0 http://www.wideners.com/itemdetail.cfm?item_id=100001098

This is a German built Sig Sauer P220 in 45ACP, New in Box.

Since I am a big Sig fan, you do not see these everyday. What makes these unique are the following:
- Sig Sauer does not make full sized, non-rail frames anymore (there are the SAS models, but these usually follow the compact frame size).
- This is imported from Germany - PW Arms is the importer for these. There was a batch of P245's and P239's that came in a couple years ago
- This a triple serialed German built Sig. This may not mean much for most of you, but Sig Sauer makes most of their current firearms here state-side. While domestic production has gotten better, there is definitely a more intrinsic value on these compared to domestic built Sigs.
- Lastly, this is an incredible price. Even if you don't care about the rarity/uniqueness of this handgun, $595 for a single stack, well-balanced 45ACP is a steal of a price.

Gun Broker FFL Finder Tool:http://www.gunbroker.com/ffl/dealernetwork.aspx

Support your local FFL dealer with a transfer!

Until the next gun deal...
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g: -1 Posted By: chapmanra2013
Views: 192 Replies: 0 Rakuten has the Logitech Ultrathin Keyboard/Cover Case (Reconditioned)on sale for $30 - $10 promo code "VME10" = $20 with free shipping. You must check out using V.me by Visa to receive promo.

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Amazing French Fries Maker & More $4.99 + $3 S/H
Added on : Wednesday January 22nd 2014 05:00:04 AM
g: 0 Posted By: tedhawkins
Views: 69 Replies: 0 Amazing French Fries Maker & More $4.99 + $3 S/H

http://www.dailybargainshop.com/

This natural-cut fries cutter is the fast and easy way to make delicious fries in just seconds. Simple to use, you only need to place one average-sized potato in the Amazing Fries, and then it's just one step to great fries. This cutter for french-cut fries is very versatile and can also be used for other vegetables such as onions, peppers and much more, making meal preparation faster and easier.
FEATURES:
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-No more tedious chopping and cutting slippery potatoes by hand.
-Just place potato in the chute and push down
-Perfect Fries uses cross pattern steel blades to cut effortlessly and evenly for perfect results every time.
-Also great for dicing onions, fruits and vegetables.
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-Comes with cleaning tool.
Condition : New
Packaging : Bulk
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Notice to leave but fired before 'last day'
Added on : Wednesday January 22nd 2014 04:00:10 AM
g: 0 Posted By: AaG12
Views: 49 Replies: 0 Hypothetical question here for the state of NY- Not sure how much help i'll get on the interweb and this might be better for a Lawyer...

Lets say i give a 2 week notice to leave, but i was fired that day- is this legally 'voluntary' or involuntary.

The reason i ask is for 2 things, can i fileunemployment and IfI signed contract stating i would have to pay xyz bonus if i 'voluntarily' left, would i have legal basis to fight this?
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"Sock drawered' cards - how do you keep them organized?
Added on : Tuesday January 21st 2014 09:00:12 AM
g: 0 Posted By: jcaserta
Views: 0 Replies: 0 Well, I'm starting to run out of room for socks in my sock drawer with all these credit cards and gift cards in here. What do you use to organize all your cards? I like to keep a very lean wallet but at the same time am very much a fatwalleter at heart with many, many credit cards, random gift cards that were on promotion or whatever, etc. I'd like to be able to have them organized for quick perusal but at the same time not spend a ton of time putting them into binders in alphabetical order or anything.

I was thinking a business card style type box with some dividers might be great.

I was looking at this thing, seemed like a good solution assuming they fit: http://www.amazon.com/Miniature-Cabinet-Business-Digital-PI-9617...

Input?
Lowes Big Savings on the Stuff You Love... or Not...
Added on : Monday January 20th 2014 08:00:03 PM
g: 0 Posted By: sc69
Views: 106 Replies: 0 Email newsletter I got calls for a 'Clearance Sale'. Good for while supplies last... Hah!

Clearance Items

So far the only thing I was interested in was...

Edsal 72-in H x 36-in W x 18-in D 5-Tier Steel Freestanding Shelving Unit @ $59.97, reg. $69.98.

So as a comparison I tried to check around and on Home Depot and came up with this slight conundrum, which I think I've figured out, but if anyone knows of other differences please post them....

Can anyone tell me the difference between the these two Edsal units as sold by Home Depot and in other stores as well...

Best I can tell they match in all given specs including load capacity, etc. Both appear to have the 'shaped' horizontal members which add strength and a ledge for the shelving to sit recessed for the top to be flush with the member. There is some difference in description of the structural design, but bottom line is they hold the same, look that same, and I can't see ANY difference in the 'construction' of the steel members.

Edsal 36 in. W x 18 in. D x 72 in. H Steel Commercial Shelving Unit @ $56.99

Edsal 36 in. W x 72 in. H x 18 in. D Steel Commercial Shelving Unit @ $66.97

The ONLY difference I can ascertain is that this one for $66.97 shows "5 steel shelves with wood grain particle board have a durable black enamel finish". At first reading the part '5 steel shelves' had me thinking, 'Oh that's it the shelves are steel'... but then it goes on to clearly state they're wood grain particle board [ which FWIW isn't exactly a valid 'engineering / technical' description, since particle board by definition has NO 'real' grain per se ]. A closer look at the pics does in fact appear to show the shelving for this unit to be black. IS THAT IT... for an extra $10 one gets they shelves painted fer 'um...


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.

Will check out other stuff when I get a chance... the damn editor on this forum has screwed with me nuff tonight and wasted more time than I can afford to get much else done... so there ya have it... for now...

Steve

-- Sent from unknown location faraway in a land outside the box.
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
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Is this teeny tiny mini AOR a waste of time? Suggestions to improve?
Added on : Monday January 20th 2014 05:00:10 PM
g: 0 Posted By: bytem3
Views: 0 Replies: 0 Card suggestions are appreciated.

My last AOR was back in May 2013, so my AFs will be due this May. I meant to do another one in the Fall, but got sidetracked with work. Anyway, my timeline is this: do an AOR now so that I can receive the cards soon and pay my rent (over $5k for a flat fee that works out to quite a bit less than 1%) and some other spend I need to do. Then, I am hoping to get time to do another AOR in May. Tentatively, I will be moving my stuff out of country (and so, will have some moving expenses to use towards spend requirements) and living out of country for at least a while, so I would more Target FTF-free cards at that time (i.e. Chase Sapphire). The only annoying thing about that is that Discover would close my card and bank account unless I use a friend or relative's US address as my own. I'm not sure where other banks stand on having an out-of-country address listed (I didn't have any issues with BofA when I listed an out-of-country address for a while), but it would be annoying if they were of the same mindset.

Goal: I don't have any specific trip or destination set in mind, yet. Bora Bora would be nice to visit at some point in the future, but I think that in the shorter term (i.e. next year or two), it would mainly be North America destinations (i.e. flying to conferences), with potentially some EU or Asia thrown in. I don't know how my travel plans will be, but I expect to have much more flexibility starting later this year, once I become a self-employed contractor. It would be nice to be able to pay for flights with points and invest the cash I save.

Current roster of cards is as follows (along with my anticipated plan):
AmexPremier Rewards Gold (change in MAY after transferring MR points out)
Amex Blue CashPreferred(change in MAY or downgrade to BCE)
Amex Costco TrueEarnings (keep)
ChasePriority Select Club Visa [subsequently rebranded as IHG, so Idk if I'd be eligible for future IHG promos] (change in MAY or keep for the ?annual free night)
Chase Freedom Visa (keep)
BarclaysArrival World MasterCard(change in MAY or downgrade to no-AF version)
Discover It(keep)
FIA Amex(keep)
FIA Visa(keep)
BofA Better Balance Rewards(keep)
US Bank Cash+ Visa(keep)
US Bank Visa [I have no idea where this card is or which exact card it is - I suspect it is FlexPerks, my second-longest cc, though no statements are generated because I haven't bought anything with it in forever. I have had replacement cards mailed to me a couple times, but, they keeps getting, uh, misplaced before I even activate them]

I've been out of the CC signup bonus loop for some time, but from what I'm seeing now, there doesn't seem to be anything too great out there atm. So, I'm considering the following cards (in parentheses is the spend requirement and timeline):
- Chase Ink Plus Business Card 50k ($5/3mo) - 5xoffice/phone/internet/TV, 2x gas, no FTF[Note: While I currently have no business, I will tentatively start working as a self-employed contractor in the early Summer. I am interested in this card because I can pay my rent for a flat fee and I have a bit over $5k rent due on my lease. Otherwise, I suspect I would even have trouble making a $5k spend in 5 months]
- Chase Hyatt 2 free nights, then then 1 free night/year(cat 1-4) ($1k/3mo)
- Capital One Quicksilver Cash Rewards $100 ($500spend/3mo) - no AF, 1.5% CB, no FTF

Probably will not apply for these:
- Chase Sapphire Preferred 40k ($3k/3mo) +5k (add anauth user and make a purchase) - [45k points doesn't seem like a huge bonus and I'm not sure I could swing the additional $3k spend in this timeline]
-(AF not waived)- Barclays Hawaiian Airlines 35k ($1k) -no FTF, one-time 50% off companion travel from HI-NA

Note: I did apply for a Citi AA card last year and IIRC, they said I was approved, but they wanted a ton of documentation before they would actuallygive me the card. I suspect that I should probably avoid Citi Cards.
g: 2 Posted By: remick
Views: 341 Replies: 2 https://hitfilm.com/express/free

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g: 0 Posted By: remick
Views: 95 Replies: 1 https://hitfilm.com/express/free

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Need advice for Rolling over pension into IRA
Added on : Monday January 20th 2014 09:00:13 AM
g: 0 Posted By: dealgain
Views: 102 Replies: 3 Hello FWF
I have a small pension plan account from a previous employment that shows ~18k if I were to go for a lump-sum payment. In the basic discussions with the plan administrator, I was told there will be a 20% tax deducted upfront if I were to ask for cash payment. The other option was to roll over into a qualified retirement plan with no such tax. Ive asked them to start the withdrawal process (which they told me would first send me a packet of documentation..later I call them and go over with them for filling up the paperwork and make selections on what type of retirement plans etc.). As of my call last week they said, at this point the earliest payout date is April 21 2014 because of the workload they have in their office (provided I return back the paper work to their office in 10 business days). I think this was too much of a lengthy time but didnt complain much.
The only reason I want to withdraw is: In the past five years it has grown on an average of $500 a year. I felt this is too little of a growth.
Im looking to FWF advise on this approach: What would be my best qualified retirement account that I can roll over to at this point and is there some sort of a lock-in period before I can withdraw from there as a lump-sum (Im guessing this route has only 10% upfront taxes in the form of early withdrawal penalty so I would be saving half of the upfront taxes) And in the meanwhile the money is sitting in the IRA, I can invest that in the safest vanguard or schwab ETFs?

Please help me find out What are the things I am missing.
TIA
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g: -1 Posted By: SAGAFTRA
Views: 173 Replies: 0 Monster headphones~~Monster Ncredible NTune On-Ear Headphones - Black Only good for the next 18 hours.

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g: 0 Posted By: SAGAFTRA
Views: 149 Replies: 0 Link~~OtterBox Defender Series Case & Belt Clip for iPhone 5 & 5S - Assorted Colors $15.00 + $2.00 Shipping.

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Free Kindle Book - Autobiography of a Yogi (was $14.00)
Added on : Monday January 20th 2014 06:00:07 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/Autobiography-Reprint-Philosophical-librar...

4.6 out of 5 stars (320 customer reviews)

Designated One of the 100 Most Important Spiritual Books of the 20th century, here is a verbatim reprinting of the 1946 first edition, with all its inherent power intact.Read about real-life saints and masters, how yogis perform miracles, the science of kriya yoga, and much more.
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

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

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

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

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



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g: 0 Posted By: remick
Views: 200 Replies: 0 http://www.amazon.com/gp/product/B00HG2S6GA

4.8 out of 5 stars (5 customer reviews)

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Family member's pension was invested into a Ponzi scheme
Added on : Saturday January 18th 2014 07:00:09 PM
g: 0 Posted By: calisoldier83
Views: 79 Replies: 0 My mother was working as a transcriber for a Doctor's office since 1984. She became fully vested in the pension plan (profit sharing) six years later. Her employer's pension plan was (supposedly unknowingly) involved in a Ponzi scheme (similar to Madoff's). Being one of the first investors, all the people who invested after him are suing him for the money they never received as part of the scheme.

When trying to contact the company that administers the pension, they refer all calls back to my mom's employer.

She had close to $100K in the pension. They filed a claim with the employer's attorney, but he has been unresponsive.

It doesn't appear there is much recourse. The following actions have already been taken:

-She sent a formal claim for benefits which was returned refused (certified mail).
-My parents contacted the Dept. of Labor, but they can't get involved until the lawsuit against her boss is settled.
-A contact at the Dept. of Labor attempted to reach out to the boss, but he differed all questions to his lawyer.

Her boss has been known to file fraudulent insurance claims and do some pretty deceiving things over the course of her employment, so this was no surprise. I wanted to post on here in case anyone has anyone had recommendations or suggestions. My parents don't have any money saved up to hire a lawyer, which might be useless at this point anyways.
Discussion Deals
AT&T UVerse Internet 18 Mbps download for $28/mo
Added on : Friday January 17th 2014 08:00:03 PM
g: 1 Posted By: icantiwont
Views: 120 Replies: 1 I am a currently AT&T UVerse Internet only subscriber w/ an AT&T landline (non-UVerse). I currently have their 12 Mbps download package with a promo ($19 off) bring my monthly price to $32/month. My promo was about to expire, so I gave them a call to see if they had any other promo available. The first rep. that I spoke with tried to up sale me with UVerse TV, but I told him I didn't watch much tv, so after a few minutes he transferred me to the Customer Retention Department. CSR #2 told me that they could offer me the same package after my current promo expires, but for $36/mo. I balked at it and after a brief silence, she volunteered that if I upgrade to their 18 Mbps download package they could offer me the package at $28/mo. Apparently, to go from the 12 Mbps package to the 18 Mbps package I will need a new modem, which she stated would be for free and a technician would come out and install it. The term is for for 12 months. Seems like a good deal to me, because I will be saving $4/mo and getting 50% faster download speed. I called 1-800-288-2020.
Life Insurance - VUL Cost of Insurance Past Age 65?
Added on : Friday January 17th 2014 05:00:12 PM
g: 0 Posted By: satchi
Views: 146 Replies: 0 Hi, I am in a situation where my dad's life insurance agent is recommending me to switch from a variable universal life insurance (VUL) to universal life (UL). I am the beneficiary as well as the account owner so I take care of the policy. The reason why the agent recommends the switch is because the current policy (VUL) is coming to a point where the fees 'MAY' exponentially increase, up to the point where the current premiums will no longer be enough to keep the policy alive.

That's where my question comes in. I asked the agent to show me a chart or something that shows this increase of fees over the coming years so I can plan for it, but he is unable to do so or appears to be side-stepping my question. I just wanted to know if anyone currently has a VUL past 65 and typically how much are the cost of insurance fees then? Currently my dad is 61 and his fees are just roughly $450 which is very much manageable, but I'm not so sure later on.

VUL (Current Policy)
$100,000 death benefit
$1000/yr premium (currently $450/yr goes to fees and the rest becomes cash value)
$900 cash value currently in policy.

UL (Recommended Policy by Agent to switch)
$250,000 death benefit
$2400/yr premium (from my understanding UL premiums are set and do not change?)

I have done quite a bit of VUL insurance reading on this forum so I kind of understand the true reason for getting a VUL, but my situation is a little bit different such that the VUL does not have much cash value left in it so the current plan for my dad's VUL is to keep the policy alive simply for the 'life insurance' part of it.

Any insights is much appreciated. Thanks in advance!

Personal Finance Deals
CURealty - Earn cash back on real estate purchase/sale transactions
Added on : Friday January 17th 2014 04:00:11 PM
g: 0 Posted By: mistadeal
Views: 85 Replies: 0 Text

Whether you are buying or selling a home, you can earn a cash rebate back in the amount of 20% of your real estate agent's commission when you start your real estate search with a participating credit union. It is pretty simple actually - here's how I did it:

1. Visited my local credit union when looking for a mortgage to purchase a home. They told me about this program, which they participate in, and they referred me to a participating agent.
2. My agent filled out a form or two for me to sign, and he sent it in to CU Realty for processing at closing.
3. Purchased a home, waited 60 days, and received a rebate check for 0.6% of the purchase price (20% of my agent's 3% commission).
4. Sold my home, waited 60 days, received another rebate check for 0.6% of the sale price.

Overall I received a cash rebate of about $2,500.

Notes:
-To find participating realtors in the area, you can fill out the enroll form on the site or chat with a live representative during regular business hours.
- This is obviously YMMV based on participation - From the site text, it seems like you might not even need to belong a credit union and can possibly directly be linked to the participating realtors. But since it is CU realty, I feel like you might need to link to a participating CU to be considered, at least initially.
- Iended up actually using PenFed CU for my loan since my local CU could not match their 5/5 ARM terms. PenFed does not participate in this program, but since I started my real estate search with a CURealty participating credit union and considered their mortgage products before choosing PenFed, the rebate was still allowed.
- The CU had a list of participating realtors, I just happened to choose the first one referred to me because he came highly recommended. You can probably be more selective and interview some before you decide on a particular one. I learned to appreciate my realtor during the process because I came across some really flaky ones while looking at open houses.
- I'm not sure about tax implications, I will post a reply once I hear back from them about whether this rebate is taxable income.

Site text:
Our Realtors = Rebate.CU Realty has partnered with some of the top real estate professionals in your area to provide members with an outstanding opportunity to work with a trusted Realtor and earn a substantial rebate all at the same time.

How does it work?Its really quite simple. When you use any agent in our network to buy or sell your home, youll earn a cash rebate equal to 20% of the agents commission. That money is yoursapply it towards closing costs, agent commissions or take the cash outright! Its your choice.*

How much can you save?Use the chart to the right to estimate your savings. The rebate is based on the total home price, not the amount mortgaged.
HomeAdvantageis an exclusive service provided by your Credit Union in partnership with CU Realty Services, the nations leading provider of real estate services for credit union members. Best of all, the program isabsolutely free!To take advantage, simplyenrolltoday. Once youve enrolled, youll have access to all the tools and expertise youll need.
Sample Average CU Realty Home Rebates Home Sale Price Rebate to Member* $200,000 $1,200 $400,000 $2,400 $600,000 $3,600 $800,000 $4,800
*Rebates are awarded to buyers and sellers registered in the CU Realty program before they begin their home search or sale and who use a REALTOR from the Approved Agent network. Examples of rebate amounts shown here are based on 3% commission rate; your agents commission rate may differ. Terms of receiving the rebate vary by state and credit union. Please check with your credit union for specifics on their program.
Real Estate Deals
I need an advice regarding to future career....
Added on : Friday January 17th 2014 11:00:09 AM
g: 0 Posted By: sang614
Views: 236 Replies: 7 Here is a little bit of info of myself:

Age: 25, male, single
Occupation: Doing M.A in Accounting, B.Aed in Economics
Student debt: 20k currently

I was talking to my dad about my future career: he advised me to move to metropolitan city NOT because of higher salary, but because of MORE opportunity to climb up the corporate ladder and smoother career change if I ever wanted to do so. But here is the problem: our school is geared specifically for working with state government. Our main program for graduate is to Co-op, where you work part-time for state government while finishing up my degree, which roughly translate into smoother process for me to work for state government (probably much more stability, too). Granted, the paygrade may be lower than that of average market, but housing is very affordable near my area given that here is middle of nowhere. I also see some of my friends who work for regional big 4 firms in rural states like Iowa- they seem to be content with their life. But then again, I guess it is true that I can move to metropolitan area easily as I don't have a family yet.

Here is my question to you, finance gurus.

If you ever go back to your 20s and have an option to move around, where would you choose- metropolitan or rural area?

Which option do you think it is morepreferable in my situation- job security or opportunity?

If you have ANY advice you could give to this youngster, please, feel free to share with me.

TL;DR: A student in 20s would like to know which geographic would be more preferable for advancing/jumpstarting his career- rural or metropolitan?
Personal Finance Deals
*UPDATE* Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 11:00:08 AM
g: 8 Posted By: slervik
Views: 797 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. Mods, feel free to sticky this, as I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
Free Religious Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 10:00:12 AM
g: 0 Posted By: remick
Views: 287 Replies: 1 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
Official 2013 Tax Software / E-Filing Roundup Thread
Added on : Friday January 17th 2014 10:00:09 AM
g: 7 Posted By: slervik
Views: 429 Replies: 2 As we get closer and closer to the tax time, we're going to see a lot more deals on Tax Software & E-Filing coming in and out of the thread. I figured I would go ahead and try to round everything up in one post to make it easier for everyone to sort through. I've previously just gone to H&R Block and just had them do my taxes for me, but I believe this year I'm going to try and do this all on my own. Below are deals that I have found on Fatwallet and just looking around different sites. So any tips for me and anyone else who may just be starting up would be highly appreciated. I will be updating this thread as much as I can!

I did notice that Fat Wallet is currently doing a contest for the Turbo Tax Federal/ State Software Deluxe Edition. I'm going to provide the link to anyone else, besides myself, who wants to see if they could win it. Instructions for entry are posted lower on the page. Good luck! Fat Wallet Contest Link

*Please update the Quick Summary with any new tax software deals you come across or remove expired/ OOS ones. Thanks all for the help!


Tax Resource Threads:
2013 Free File Taxes Your AGI $58,000 or Less - Various Programs(Thanks to terriprg)
Turbo Tax's Software Download on KingDeals4U Appears to be Scam(Thanks to tracksupr)
FAFSA Tax Input for College Students for 2014-2015 School Year(Thanks to Wizard83)
Tax Deductibles Volunteering Vacations(Thanks to mooingmooseman)


Turbo Tax Deals:
Free Federal Filing: Intuit TurboTax Freedom Edition(Thanks to terriprg)
Free Access to Turbo Tax 2013 Preparation for State Farm Customers(Thanks to CSREwallet)
Win A Deluxe Edition of Turbo Tax's Federal/State Software(Thanks to akmckenna)
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)
Costco: $10 Off Online or B&M(Thanks to SlimTim)
Amazon: Turbo Tax Deluxe Federal + EFile + State - $40 w/ FS for Amazon Prime(Thanks to johnny98)
Amazon: 10% Gift Card Using Refund(Thanks to xelint)
Amazon: $10 Off Home & Business w/ Prime(Thanks to Rookie 555)

H&R Block Deals:
Free Federal Edition Tax Filing(Thanks to terriprg)
State Tax Filing for Non Qualifying Customers - $14.99
Simple Tax Basic Edition - $19.99
Investors/ Homeowners Deluxe Edition - $29.99
Amazon: $24.99 - $64.99

Quicken Deals:
Amazon: $45 Off TurboTax + Quicken Additional for Amazon Prime ($35 Non Prime)(Thanks to rhornor)

Multiple Deals:
Office Depot FAR Software & Tax Software Purchase Rebates for 2014(Thanks to bpvh)
Amazon: Save Up to $25 on Tax Software & Norton Bundles

Tax Software Deals

Amazon Coupons
TDK Life On Record A33 Bluetooth Speaker - $120 free shipping
Added on : Friday January 17th 2014 10:00:03 AM
g: 0 Posted By: nwrain
Views: 164 Replies: 0 Portable, weatherproof, rechargeable, and great sound. A Consumer Reports Best Buy. Next lowest price I could find is ~ $142.

http://www.pcrichard.com/TDK/T-D-K-A33-Weatherproof-Wireless-Spe...

After spending a few hours researching and listening to over a dozen different portable, battery powered speakers I've found that to my ears the TDK A33 has by far the best sound for the money. It sounds superior to much larger, more expensive speakers such as the Big Jambox and the Bose Soundlinks. Note:The web page is incorrect regarding the battery type. The A33 actually has a NiMH battery rather than the Li-ion pack shown in the PC Richard specs.




Headphones & Speakers Deals

PC Richard & Son Coupons
Free Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 08:00:16 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
g: 0 Posted By: baopei99
Views: 412 Replies: 4 I came across this deal and thought it was a good deal if your looking for a Bose Solo on Amazon.

http://www.amazon.com/Bose%C2%AE-Solo-TV-Sound-System/dp/B008EWNVI4/ref=br_lf_m_1001925531_1_1_ttl?ie=UTF8&m=ATVPDKIKX0DER&s=electronics&pf_rd_p=1713539322&pf_rd_s=center-2&pf_rd_t=1401&pf_rd_i=1001925531&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=1EWCMD0WCGZ6DA3XYVVG


$40 Off and $45 Amazon Promo Credit with Bose Solo TV Sound SystemMost flat panel TVs simply cannot reproduce quality sound.The Bose Solo TV Sound System reveals much more of the depth and detail youre meant to hear in your favorite programs.To get your $45 Amazon.com promotional credit follow these steps:1. Add the Bose Solo TV Sound System to your cart. The $40 discount is reflected in the price.2. Proceed through the normal checkout process.3. The $45 promotional credit will be applied to your account 7 days after the shipment of your Bose Solo TV Sound System.The promotional credit must be used by its expiration date of 4/1/2014. You can use this promotional credit to purchase items shipped and sold by Amazon.com (certain exclusions apply, including Kindle books, MP3s, and video rentals and downloads).This offer is good through 11:59 p.m. PST on January 17, 2014, while supplies last. Qualifying products must be purchased from Amazon.com; does not include purchases from other sellers on the Amazon.com website.Seeterms and conditions.
Headphones & Speakers Deals

Amazon Coupons
Bose Solo TV Sound System with $40 Off and $45 Amazon Promo Credit
Added on : Friday January 17th 2014 07:00:04 AM
g: 0 Posted By: baopei99
Views: 204 Replies: 3 I came across this deal and thought it was a good deal if your looking for a Bose Solo on Amazon.

http://www.amazon.com/Bose%C2%AE-Solo-TV-Sound-System/dp/B008EWNVI4/ref=br_lf_m_1001925531_1_1_ttl?ie=UTF8&m=ATVPDKIKX0DER&s=electronics&pf_rd_p=1713539322&pf_rd_s=center-2&pf_rd_t=1401&pf_rd_i=1001925531&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=1EWCMD0WCGZ6DA3XYVVG


$40 Off and $45 Amazon Promo Credit with Bose Solo TV Sound SystemMost flat panel TVs simply cannot reproduce quality sound.The Bose Solo TV Sound System reveals much more of the depth and detail youre meant to hear in your favorite programs.To get your $45 Amazon.com promotional credit follow these steps:1. Add the Bose Solo TV Sound System to your cart. The $40 discount is reflected in the price.2. Proceed through the normal checkout process.3. The $45 promotional credit will be applied to your account 7 days after the shipment of your Bose Solo TV Sound System.The promotional credit must be used by its expiration date of 4/1/2014. You can use this promotional credit to purchase items shipped and sold by Amazon.com (certain exclusions apply, including Kindle books, MP3s, and video rentals and downloads).This offer is good through 11:59 p.m. PST on January 17, 2014, while supplies last. Qualifying products must be purchased from Amazon.com; does not include purchases from other sellers on the Amazon.com website.Seeterms and conditions.
Headphones & Speakers Deals

Amazon Coupons
Target Toy Sale 70% today
Added on : Thursday January 16th 2014 08:00:04 AM
g: 0 Posted By: onlinemom
Views: 112 Replies: 0 3 of the 5 stores I checked had marked them down overnight, other 2 said later today - I'm not going back

Found the following 70% off
Thomas Wooden Train Sets
Fly Wheels
Bratz
Microchargers add on track
Spy Gear
Games
Puzzles
Hot Wheels Wall Tracks
Much, Much More

Most of Legos and Star Wars were only 50% off, as well as some of the Marvel characters. Each store had about 1 aisle to choose from

Also, an aisle or two over were the kids character pop-up tents, some stores had those 70% off including a STar Wars one for $5.98
Toys Deals

Target Coupons
Create Remarkable Websites with The Ultimate WordPress Starter Kit
Added on : Wednesday January 15th 2014 03:00:06 PM
g: -1 Posted By: jamescarmona
Views: 247 Replies: 0 I found a great offer for wordpress hosting lovers (includes everything in one plan). 1-Year of Unlimited Access to Hundreds of WP Themes, Plugins, & Much More

Original Value: $588.00
Offered Valued: $89.00
Expiring in: 1 day

Buy here https://deals.tuaw.com/sales/create-remarkable-websites-with-the-ultimate-wordpress-starter-kit
Services Deals
Advice for my mom- 69 y.o., still working, no 401K
Added on : Wednesday January 15th 2014 05:00:10 AM
g: 0 Posted By: Rubl
Views: 16 Replies: 0 Hi everyone,

I'm seeking advice for my mom who just turned 69 y/o, and she's still working. My family immigrated here about 20 years ago. Due to their life experiences they've held little to no trust in governments or stock markets. Basically, they've saved cash or invested in gold. However, my dad passed away a few years back, and essentially everything has been entrusted to me to help my mom with her finances.
Her situation is as follows:
She is still working full time (~15/hr) and hopes to continue to work for another decade, but maybe slowing down a bit.
about 100K in Cash savings - literally 40K in bills! The rest is in two savings accounts ( .9 -1.2 APR)
Social Security - 1000/ month
So, here are my questions:
1. My mom started withdrawing here SS after turning 62 (long story). Is there any sense in paying back with her pile of cash to defer her to SS to start at 69 or later?
2. She has no 401K account or IRA account. Is there any logic in opening one for her? I couldn't find much info for retirement savings after the retirement age.
3. Will we run into any issues when making deposits with all that cash?
4. What the hell do I do with the gold they've bought?

About me: I'm a devoted daughter , have very stable 90K income, and obviously, will support my mom if there is ever any need.
Thanks in advance!


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

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

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

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

Talked to the teller.

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

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

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

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

Obvious lesson is to avoid this type of transaction.

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

Added:
Tried calling them this evening.. 'too many calls at this time, we cannot take your call, try again later', and I don't find time in the day to call them... I guess I just wait 10 days.
Penis pumps cost U.S. government millions, watchdog cries waste
Added on : Tuesday January 14th 2014 06:00:07 PM
g: 1 Posted By: tightpapa
Views: 101 Replies: 0 (Reuters) - Penis pumps cost the U.S. government's Medicare program $172 million between 2006 and 2011, about twice as much as the consumer would have paid at the retail level, according to a government watchdog's report released on Monday.
Link
Discussion Deals
Money..Max 401k vs Brokerage
Added on : Tuesday January 14th 2014 05:00:08 PM
g: 0 Posted By: cedricloil
Views: 56 Replies: 2 Hello, I wanted to get a general opinion on if it's better to:

1) contribute as much as possible monthly to 401k

2) contribute enough for matching and then invest rest in brokerage account. I understand this option will be less of an initial investment since it's not pretax.

Obviously my reasoning here is that I feel very comfortable with being able to get a higher rate of return in individual stocks vs the funds available in my 401k.


Thoughts?
Investing Deals
qualifying for mortage with low income but lots of cash
Added on : Tuesday January 14th 2014 01:00:13 PM
g: 0 Posted By: creamade
Views: 184 Replies: 3 long time reader, first time poster. I hope you wise folks can help advise with my situation!
I am recently married and we are looking to buy a home by mid-2015, earlier if possible. We are in a high COLA in the Northeast where home prices we are looking at are in the 600-700k + range. While these homes still will need more money for renovating, this is a hot neighborhood due to excellent school district. We only want to buy once, buy right, and buy before prices get too high.
The gist is, I am a w2 employee grossing $35k annually. Short 2 year credit history, scores about 720. My wife grosses $55k, excellent 10+ year credit history.
She has a 401k, I have a Roth IRA. We have combined cash assets of $120k+, and currently do not pay rent (live with parents). Only expense other than the usual cellphone/groceries is a car lease.
In addition to my income, I also pick up a lot of odd jobs, tips, eBay/craigslist flips, etc. and earn an additional $30k cash a year.

The concern is, although we have enough to put 20% downpayment, we would still need to borrow at least $500k. We fear that our combined income will not qualify us for this amount at a good rate!
What are some options / obstacles we should consider?
-Do I pay the tax on the extra cash earned under the tables, as a 1099? However, research seems to show that a) a 2-year history of 1099 is needed, and b) alternate sources of income don't count anyways.
-Do we put more money down and borrow less? How much more? 25% is probably pushing our comfort limit assuming a $600k home. (And honestly, a $600k home here is in ugly condition.) This will be presumably difficult to still secure a good loan at a good rate, not to mention cough up all our savings. I think we would still need to keep at least a few months worth of Emergency funds, right?
-Find a lender that will accept my lower income, but pay more in points / higher rate?? Refi later on? We are not very comfortable with this option, as it is possible these lenders/banks may be shady and more expensive in the long run.
-Get our parents to co-sign?
- ???

Real Estate Deals
Need help pursuing home loan - cash rich, credit poor
Added on : Tuesday January 14th 2014 11:00:16 AM
g: 0 Posted By: Jconnell
Views: 185 Replies: 2 I would like to purchase my first home as soon as possible. As a student, I've wasted too much money on renting for too long. I've started reviewing homes in my prospective market and have gotten an idea of what I can afford, how much it will cost me, and ways to reduce the total amount paid over the life of the loan. I've also research local federal, state and municipal payment assistance programs, just to see if I could qualify.

I had some trouble the first year or so out of school and my student loans went into default. I have since paid them off in full but I still have my credit score to show for it. I'm hovering above and below the 600 mark right now. However, I have 20% to put down on a loan of about $180k.

Most of the lenders I've contacted are really looking for a 620 cut off. Admittedly, I haven't looked into a great deal of lenders. I've reenrolled in school and I spend time on this when I can.

Does anyone have some suggestions or tips? I would like to stop wasting my income on rent. I think now is a great time to take advantage of this.
Personal Finance Deals
Wahl Dog Grooming Kit - $28.99 w/ FS @ Groupon
Added on : Tuesday January 14th 2014 09:00:03 AM
g: 0 Posted By: ksenn
Views: 155 Replies: 0 Groupon has the Wahl Dog Grooming Kitfor $28.99 with free shipping. Honestly, you could probably use this to cut a human's hair too. The razor doesn't look much different from a normal Wahl hair clipper.

Includes:

Clipper
Blade guard
Handle storage case
Oil
Cleaning brush
Scissors
Styling comb
Mirror
1/8", 1/4", 3/8", and 1/2" guide combs
Instructional DVD

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Free Kindle Book- Money Saving Tips For the Underachiever
Added on : Tuesday January 14th 2014 07:00:08 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00H3T562I/

4.8 out of 5 stars (31 customer reviews)

#2 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Financial Planning
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Budgeting

In this book readers are given simple suggestions on how to either put money back into their pockets or prevent money from fleeing in the first place. The author speaks from the experience of being a former haphazard spender to developing a disciplined frugal mind by using strategy and creativity to save money. This book is ideal for people who never took, or had time to educate themselves on how to maintain a frugal lifestyle while not cutting into their couch time. The underachievers.

No mistaking, this book isn't just for the underachievers, it contains numerous money saving tips and strategies that everyone can benefit from. This isn't just a book, it's a reference manual that you can continually refer back to for guidance and motivation. I promise that If you follow and execute any of these simple steps, you will start seeing savings immediately. I put my name on it.

5 Important Tips You'll Learn In This Book:
Creative strategies that when implemented will save you thousands of dollars. GUARANTEED!
You will learn to properly automate your bill payments and a lot of your monotonous shopping needs without ever having to leave your couch.
I will show you how I saved over $20,000 a year just by improving the way I shop and paid for my entertainment. You will learn to do the same thing.
I will show why everyone should have credit cards and how to make them make you money without the threat of interest charges.
I will show you how frugality is more than just saving as much money as you can. Frugality is a mentality that when perfected will change your view of life in general. You will learn that what you thought you really wanted, you do not need. The difference between needs and wants is what the frugal person is exceptional at identifying.
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g: 0 Posted By: gabriellaC
Views: 62 Replies: 4 I have recently started living with my parents. What is the percentage of my income should I give my parents?
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AMEX Membership Reward point transfers between accounts are no more
Added on : Monday January 13th 2014 10:00:14 AM
g: 0 Posted By: BenH
Views: 197 Replies: 4 Just posting this as a bit of information for anyone else who might be in a similar situation. With the changes to the Platinum card recently, I know there are many thinking of shutting down accounts.

Anyway, although it may never have been an advertised feature, AmEx used to do MR point transfers between accounts. Usually they would only do it between in-family accounts and sometimes they would only do it in extreme circumstances, e.g. shutting one card down and needing to transfer points.

Anyway, when I opened my Wife's account last year, and then again about 4-5 months ago I had spoke with an agent and on both occasions was told that they could transfer my wife's points to my card if we shut down her account.

Well, when I called yesterday to do this, they said the couldn't. Said something to the effect of "internal memo" and since November 2013, they are unable to provide this service. I of course am a little peeved, since it was pretty much a verbal contract that they would perform this operation for me and, if I knew they were going to stop allowing this in November, then I would have transferred my points before then,

Not much I can do about it - since I'm cancelling my accounts anyway - so I can't "stick it to them" any more than that.

Just wanted to let others know that there is pretty much no chance of a points transfer anymore if you were considering it.
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g: 3 Posted By: scottxmso
Views: 356 Replies: 3 Link on ToysRUs.com website

Toys R Us has the XtremeMac Universal Charging Kit for $9.98 - 20% off sale for clearance items = $7.98 at checkout. This kit includes a dual USB wall charger (with US wall plug adapter) as well as a single USB car charger. It's in stock for shipping to home, as well as likely in stock in various stores for in-store pickup.

Some Toys R Us stores near me in the DC area had it in stock and available for free pickup, but others didn't. For shipping, it is unfortunately not eligible for Shoprunner for those of us who have the service. TRU usually accepts Shoprunner, but I think because this is a clearance item, they want $6-8 or so to ship this item (unless you have other items to satisfy the free shipping minimum). I just ordered it for pickup at a local store, and they held one for me rather quickly!

Amazon link for this item;it's $21.99 sold/shipped directly from Amazon at this time. So this is a good deal over what you'd pay elsewhere, and probably even cheaper in price than similar no-name power adapters.

The AC adapter (model USB-AWC-11) seems to be the best part of this deal: it has 2 plugs, each of which is rated at 2.1 amps. As seen in the attached picture (actual item), the AC adapter as a whole is rated for 4.2 amps, or twice the 2.1A rated load for each port. In other words, that's 20 watts, which is pretty good for a USB power adapter. You aren't going to find a decent quality power adapter that outputs this much power elsewhere for $8.

This is very good if you have power-hungry devices like tablets, some cell phones, and other USB-powered devices that need more power over the typical limit of 1000mA or so from most USB power sources. (&if you have a Raspberry Pi board,2 amps is really good, but not 100% necessary.)I haven't pushed this adapter to its limits, but will probably use it with power-hungry devices like my RPi and HP Touchpad, the latter of which insists on being connected to the high-amperage AC adapter when empty. If I do some stress testing and have any updates, I'll post them here.

You also get a car charger with 1 USB port on it. I'm not sure what amperage it's rated for, but is pretty small (extrudes about 0.5cm from the socket) and has 1 USB plug on it. It should probably be good enough to charge your phone or possibly tablet in the car, though. No cables are included, but these are standard 5-volt USB ports that should work with most any USB charging cable.

Especially for a brand-name product (hopefully higher quality than "no-name" chargers of similar price), this pair of chargers seems like a nice deal for the price. Even more so if you have a tablet or other power-hungry device that needs a charger that can offer more power than regular USB chargers.
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Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

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

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

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

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g: 1 Posted By: remick
Views: 226 Replies: 0 http://www.amazon.com/gp/product/B005MT7XGS

4.3 out of 5 stars (289 customer reviews)

Edward Boyd's agnosticism rested "not ... too much on any positive position ... but rather on a host of negative ones" about Christianity. In an attempt to address these negative issues, his son Greg, a professor of theology, asked his father, a strong-willed, highly intelligent, and stubborn 70-year-old, to enter into a correspondence in which "all of their cards would be laid on the table." Greg would give his father the opportunity to raise all his objections to the veracity of Christianity, and Greg would "answer these objections as well as give positive grounds for holding to the Christian faith."
Three years and more than 30 letters later, Letters from a Skeptic was published and Edward Boyd came to accept Christ. During his journey, he and his son hash through such topics as why the world is so full of suffering; why an all-powerful God needs prayer; how you can believe in someone who rose from the dead; and how another man's death can pardon others.
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g: 0 Posted By: GeorgiaBulldawg
Views: 55 Replies: 1 I was reading this articletonight from Yahoo Finance about some terrible tax surprises. #5 tax surprise mentions this:

5. Some Social Security benefits

You spent the last 40 years fattening the U.S. Treasury thanks to those dang Social Security taxes that came out of every paycheck. Now you're retiring, and it's time to get your tax money back, free and clear, right?
Maybe, maybe not?
Generally, if Social Security benefits are your only income, your benefits are not taxable. But if you collect Social Security plus other income, as much as 85 percent of those government checks could be subject to tax. .

My question is this: What is considered 'other income'?
Pensions? IRA/401K withdrawals? I know stock dividends would be, but what else?
Thanks.
Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

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

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

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

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

(skip many months)

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

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


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

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

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

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Free Pink Zebra Sprinkle Samples
Added on : Saturday January 11th 2014 03:00:05 AM
g: 0 Posted By: remick
Views: 81 Replies: 0 https://docs.google.com/forms/d/1jhl3pi-m4UufKozriM12mCXrRpPkx7h...

Sprinkles are made in America of our premium Soft Soy wax and high-quality fragrance oils, which are blended together at super concentrated levels to deliver up to 50% more fragrance than average candles. Designed to give you home fragrance variety at an affordable price, Sprinkles allow you to decide what you want, how much impact you want, and when you want it.

Just simply pour it on.
No mess, no worries.
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Family member likely being laid off...sort of
Added on : Friday January 10th 2014 08:00:05 PM
g: 0 Posted By: chaster86
Views: 127 Replies: 0 So this is going to come as kind of a unique situation (sorry, it's kind of long), and I'd appreciate any insight as to how this can be handled in the best way and potentially to get the most payout (from the severance).

My mother started working for a company in February 2011 or thereabouts, in California. She was an executive assistant for 2 senior VPs (medium-sized company). She liked working there, liked her bosses, never had any real issues and always received great feedback and excellent performance reviews. Around Spring of last year I started hearing grumblings from her about the job, a couple of executive assistants and other employees were let go, younger and younger people started coming in as replacements. The company had really become quite different than when she started, in her opinion, and it wasn't treating employees well.

My mom has had serious issues with her knees due to being a semi-pro, rated tennis player in her younger years.Fast forward to summer 2013.She decided it was time to have knee replacement surgery on the worse of the two knees last September. Shefollowed all the right procedures with HR and notifying her bosses that she'd be out for an extended period of time of around 3 months (under FMLA provisions, I think). The surgery went ok, but there was more damage than the surgeon anticipated, including some additional nerve damage that prevented my mom from walking (her foot dragged). So instead of 3 months recovery it would take maybe an extra month or so. She's been doing physical therapy and the process has worked great, she's walking much, much better now.

During the recovery my mom moved back into the house she owns (she was renting previously, and renting out her house) which is about 45 minutes away from said job. During her period of disability from September to December, a family member asked her if she would like to be his employee as his personal/executive assistant (he does a great deal of financing for house flipping partners, and flies his plane around to scope properties around the Western states).

All the while she did keep in touch with her then boss; she was honest with him in telling him she had moved back for the recovery. He commented point blank 'you're not coming back are you...?' to which she responded that it hadn't been decided yet. She ultimately did decide to take the job with our relative, and was going to put in her two-week notice to her employer once she had her 'back to work' date from her doctor when she goes to the appointment on January 16th.

Earlier this week the company's HR department called her asking if January 16th was her back to work date. She said no, that was the date of her doctor's appointment, and she would likely get her back to work date at that time (she said this was a suspicious call the way they phrased the question). Interestingly enough, today my mom got a phone call from a colleague of hers in the Chicago office asking if she had read her email, and my mom said no, she hadn't read emails for weeks. When she did she saw an email from yesterday announcing a MAJOR 'reorganization' of the company. Many in the executive suite were let go, including BOTH my mom's bosses (who had been with the company 24+ years). So, you do the math...

What my mom wants to do now is try to call their bluff, rather than give her notice. On January 16th she expects the doctor will tell her she can go back to work 2 weeks later. She will communicate the same to her employer. She thinks the employer will either straight up tell her she is being laid off, or will send some sort of certified letter to that effect in the two week time period, offering a severance package as well. If they don't she says she will tell them the day before she is to re-start that she will not be coming back. She really doesn't want to go back to the office, and plans on shipping back her iPad and cell phone to them rather than going in person, regardless of what happens.I chimed in and said she really should go back in person regardless of the outcome because I've been laid off before and they did it in person, not via letters or phone calls. She thinks it would be humiliating and embarrassing which I understand. I also told her it's not good to burn bridges in case she needs a job in the future, that not giving proper notice (in case they call her bluff) would be recorded in her file. She's close to retirement age anyways and says she won't need a job in the future after this new one. Keep in mind they ELIMINATED her position by laying off her bosses.

So, my question is what course of action should she take? Should she:

1) Put in her two week notice once she has the back to work date, and forfeit any severance package
2) See if they really are going to lay her off and offer a package
3) Same as 2, but they want to do it in person on her first day back, to which she won't go and she'd put in her notice one day prior to re-start date
4) Same as 3, but try to get her to go back on the first day to see what happens

Another thing I see with this is the company may be smart and think if they lay her off right away that it will look really suspicious (having been off work for 4 months due to legal disability) and put them at a legal crossroads. I don't know how the FMLA works, my mom seems to think she outside that protection but I haven't researched it yet.

Now, yes ethics comes into play here. My mom was fully intending on doing the proper thing by quitting with two weeks, but I don't feel sorrow for what the company has done with this restructuring. The company was not performing badly at all, performance and profit sharing bonuses were given out the two years my mom was there. The guys replacing my mom's bosses are out of the Houston office, hired 2 months ago in their 30s (as told to her by her counterpart in Chicago). I told my mom JOKINGLY just to go with the nuclear legal route, but in reality I would like her to just play her unique situation to her advantage and get a nice payout from company. But I don't want her to burn bridges at the same time.

What would you do in her shoes? I appreciate any insight.
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Raymond Weil»s elegant date watch exudes sophistication and classic style with its gorgeous brown croco-stamped calf leather band and retro round face in brilliant 18K gold. The sleek notches in place of numbers modernize it making it that much more covetable. Gift box included. Swiss made.
Bogus registration not displayed ticket from city of Las Vegas
Added on : Thursday January 09th 2014 08:00:07 PM
g: 0 Posted By: bubu
Views: 32 Replies: 0 I need some advice...

I got a delinquency notice in the mail for a "not displaying registration" ticket...aka expired sticker on the license plate from the city of Las Vegas Parking . Problem is the car was never in Las Vegas. This is a completely fictional ticket some lazy parking maid wrote up to boost their #. Not an uncommon thing from what I've read on the web.

Dispute it, no problem...right. Here is where I am just stunned. There is no "legal" dispute process outside of requesting a hearing in front of a "hearing officer" (who is an attorney hired by the City). Its a completely bullshit hearing from what I can tell. Here is what I'm required to sign in order to get a "hearing":

I understand that the Hearing Officer is an attorney and not an elected or appointed judge.

I understand that I am agreeing to be bound by the decision of the Hearing Officer. I understand and agree that, if necessary, due to my lack of timely payment, the City of Las Vegas can and may use this binding decision to have a formal civil judgment entered against me in the Las Vegas Municipal Court.

I understand that if I fail to provide a written statement or any evidence for the scheduled hearing before the Hearing Officer without first obtaining a continuance of such hearing, the Hearing Officer may enter a decision against me for the full amount and penalties scheduled to be reviewed.

I understand that if a civil judgment is obtained, the city may seek and obtain a Writ of Execution against me. I understand that if a Writ of Execution is obtained, my wages and/or bank account may be garnished, liens may be put on my property, and my vehicle(s) may be towed or immobilized.

Knowing all of the above, I still wish to request a binding hearing before the Hearing Officer on the above-described Notice of Infraction(s).

I hereby acknowledge the above

In order to get to explain the situation I have to sign away all my rights and trust that an attorney hired by the city itself will be impartial. Icing on the cake is the threat to turn it over to collections if I don't respond. Pretty much extortion as I have to agree to binding arbitration from a non-neutral 3rd party in order to get a "hearing", and enable the city to obtain a civil judgement against me...strengthening their collection case against me.

...so what can they really do to me? Advice on how I should proceed? I'm thinking of ignoring the notice, except the collection agency will start screwing with my credit report, while I can get them to state that I dispute the validity of this debt on the credit report, its derogatory none the less.

They want $225 btw, if it was $30 i'd pay it as an annoyance but $225 is really reaching.
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Help - Personal Finance Accounting with Family Shared Credit Cards
Added on : Thursday January 09th 2014 03:00:15 PM
g: 0 Posted By: Alessandro
Views: 150 Replies: 2 I'd like to better track my spending, especially with specific divisions for things like groceries, leisure, etc. Quicken has the nice pie chart, but I have credit cards that are on family shared accounts (usually 4 people to one account), and I didn't see that quicken provides a way to easily divide between the accounts. Is there a way to do this easily with software? I could do by hand, but it would be so, so much easier to be able to do a direct download and get things parsed apart for me (where I look after the download to check it is categorizing things correctly). Thank you!
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g: 2 Posted By: DirtCheapDad
Views: 653 Replies: 1 ProBikeKit.comis doing a great 20% off declining discount...drops 2% each hour. DOWN TO 10% DISCOUNT NOW. Use code DISCOUNTUS.

Free shipping on purchases over a certain amount...probably about $75 but my orders from them are always much larger and didn't find the minimum quickly on their site. All of my shipments have used USPS Express for in-country USA delivery, and I've never been charged import duties on a shipment from them yet (and have had at least 5 shipments in the past year from them).

Always excellent deals on Shimano products though their selection is sometimes missing common items (probably out of stock). Lots of opportunities to buy products much cheaper than in the USA depending on their location of manufacture...I find a few companies where the products are consistently 40-60% off even discounted prices in the USA.
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LG 55" 1080p 120Hz LED LCD HDTV (55LN5790) w/ Sound Bar - $749.99 @ Dell
Added on : Thursday January 09th 2014 09:00:10 AM
g: 1 Posted By: slervik
Views: 291 Replies: 1 Dell has the LG 55" 1080p 120Hz LED LCD HDTV (55LN5790) with included Sound Bar on sale for $749.99 with free shipping.

55" (1920 x 1080) LED-Backlit LCD Display
1080p (Full HD) Display Format
Three (3) HDMI Ports
120Hz Screen Refresh Rate
1-Yr. Limited Warranty
Included Sound Bar


Dell claims the original price of this was $1,599.99.
Next lowest price on Google Products is $899.99 via B&H, and that's with the sound bar. LINK

They didn't have much on the details of the sound bar from what I could see.

Review: 4/5 stars based on 39 customer reviews at Amazon. This was the site with the most reviews on the product REVIEW LINK

TV & SOUNDBAR LINK

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Rewards Cards: Points round up or down for cents?
Added on : Thursday January 09th 2014 08:00:09 AM
g: 0 Posted By: dougan778
Views: 180 Replies: 3 I'm trying to figure out my points usage on my penfed card and since it keeps getting used (and the dates points are awarded are sort of unpredictable) I'm having a tough time getting the math completed. Maybe someone here already knows the answer.

If I have a $64.98 purchase that I am supposed to get 3x points for, how does the calculation happen? Do they round up to 65 and multiply by 3 (195)? Or round down to 64 and multiply by 3 (192)? Maybe they just multiply 64.98 by 3 and then round the result up/down (194 or 195)?

I know this might seem trivial but I'm trying to figure out if a specific transaction earned me extra points and figuring out how many points other transactions made will clear that up for me, since Penfed doesn't really tell me much about where my points are coming from.

Thanks!

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Anybody aware of penfed's points calculation?
Added on : Thursday January 09th 2014 07:00:14 AM
g: 0 Posted By: dougan778
Views: 12 Replies: 0 I'm trying to figure out my points usage on my card and since it keeps getting used I'm having a tough time getting the math completed. Maybe someone here already knows the answer.

If I have a $64.98 purchase that I am supposed to get 3x points for, how does the calculation happen? Do they round up to 65 and multiply by 3 (195)? Or round down to 64 and multiply by 3 (192)? Maybe they just multiply 64.98 by 3 and then round the result up/down (194 or 195)?

I know this might seem trivial but I'm trying to figure out if a specific transaction earned me points and figuring out how many points other transactions made will clear that up for me, since Penfed doesn't really tell me much about where my points are coming from.

Thanks!
ProBikeKit 18% discount - declines 2% each hour - biking/cycling products
Added on : Thursday January 09th 2014 06:00:10 AM
g: 0 Posted By: DirtCheapDad
Views: 194 Replies: 0 ProBikeKit.com is doing a great 20% off declining discount...drops 2% each hour. Looks like it's already down to 18% now. Use code DISCOUNTUS.

Free shipping on purchases over a certain amount...probably about $75 but my orders from them are always much larger and didn't find the minimum quickly on their site. All of my shipments have used USPS Express for in-country USA delivery, and I've never been charged import duties on a shipment from them yet (and have had at least 5 shipments in the past year from them).

Always excellent deals on Shimano products though their selection is sometimes missing common items (probably out of stock). Lots of opportunities to buy products much cheaper than in the USA depending on their location of manufacture...I find a few companies where the products are consistently 40-60% off even discounted prices in the USA.
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Malwarebytes Anti-Malware Pro Lifetime (1 PC) - $9.00 w/ FS @ Newegg
Added on : Thursday January 09th 2014 04:00:04 AM
g: 4 Posted By: ksenn
Views: 241 Replies: 2 Newegg has Malwarebytes Anti-Malware Pro Lifetime Softwarefor 1 PC for $9.00. Use coupon code EMCPWPA35 for reduced price. Originally $29.99.

I don't know much about anti-virus software, but this seemed pretty cheap. If anyone has any experience with this, feel free to comment and I can update the deal. It's got 5/5 eggs at Newegg after 37 customer reviews.
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CP-2000 on 2012 PayPal 1099-K
Added on : Wednesday January 08th 2014 11:00:05 PM
g: 0 Posted By: mm1g
Views: 99 Replies: 0 Hi,

In 2012 I sold a large amount of used items that I had accumulated throughout the years and this resulted in Paypal issuing a 1099-k. Since I

- Sold nearly all of this personal property at a loss
- Have never generated a yearly profit (don't do much selling, hence the accumulation) and don't expect to in the future (these losses aren't startup expenses)
- Don't rely on the sale of personal property for income
- Put as little effort as possible into the sales of the items (basically just listed everything on eBay in chunks)
- etc etc

it didn't seem appropriate to claim myself as a small business and file schedule C on the 2012 taxes. Instead, I found as many of the receipts as possible for the items and determined that out of the ~250 transactions, a whopping 25 or so individual sales managed to generate a profit. I deducted the eBay/paypal fees and shipping fees for these specific transactions and listed them via schedule D as short/long term gains, depending on when the item was originally purchased. The remainder of the 1099-k income wasn't declared as I understood from irs.gov that "yard sale" transactions of personal property that result in losses are not declared/documented.

Seems that wasn't what they were expecting. Received a CP-2000 early this week indicating they expected a schedule C entry for the 1099-k.

Seems funny that people are likely to get audited for claiming to be a small business and deducting all kinds of illegitimate expenses, and here I am trying to convince the IRS that I'm not a business and my losses shouldn't be deductible.

Anyhows, my question is -- now what? I've attempted to contact my local LITC by phone for support in writing the response but they haven't been responsive. There's no way that I'll be able to itemize a bunch of dvds and video games I bought 10 years ago and sold for a fraction of what I spent on them. There was no intent to profit there, so no need to keep the receipts around. I'd rather not get yelled at for claiming to be a business and then not being businesslike so does that make this a hobby business, thus use schedule A? Doesn't seem logical to claim a selloff where things all generate a loss as a business of any sort, hobby or otherwise.

Would it be a mistake to contact the IRS agent via phone and get their opinion? Am worried this is one of those situations where anything you say can and will be used against you...guess I'm just dreaming that they'd go "oooooooooohhhhhhhhhhhh, ok, yeah, you did that right. Let me just click this box here aaaaaand ok, you're good to go. Sorry for the inconvenience!"

Thanks.
Question Deals
Xbox Fitness for Xbox One - Free 1-yr. Subscription for Gold Members
Added on : Wednesday January 08th 2014 05:00:08 PM
g: 1 Posted By: heyyl0w
Views: 286 Replies: 0 The Xbox Live Marketplace has a 1-year subscription to Xbox Fitnessfor free for members with Xbox Live Gold. This is only available on the Xbox One.

This would be great for all of the New Years gym junkies.

"Game description:Experience the worlds best workouts with instant, personalized feedback, right in your home on Xbox Fitness. Train with Jillian Michaels, Shaun T, Tony Horton, Tracy Anderson, P90X, Insanity and much more. Optimize every workout with immediate feedback on your form, power and heart rate with the all new Kinect, featuring Muscle Mapping, Power Gauge, and Pulse. Plus, feed your motivation with social challenges. Unlimited access is yours with an Xbox Live Gold membership through December 2014. Only on Xbox One.* *Xbox Fitness coming Holiday 2013. Starting January 2015, unlimited access requires a paid Xbox Fitness Pass subscription and an Xbox Live Gold membership (both sold separately). Additional Xbox Fitness content is available for purchase, and may vary over time. See xbox.com/xboxfitness. The downloadable version of this game supports English."
Xbox One Games Deals
g: -1 Posted By: remick
Views: 112 Replies: 0 A Confident Heart, Learning to Live in the Power of God's Promises
http://www.amazon.com/dp/B0055PLK2C

4.8 out of 5 stars (497 customer reviews)

Often the biggest obstacle to living out our faith is our own doubt--about our worth, our abilities, our relationship with God, and situations in our lives. A Confident Heart gives voice to the questions, doubts, struggles, and hopes so many women have. Author Renee Swope shows women how to identify, overcome, and even use doubt in order to live confidently in God's power, truth, and grace. Perfect for women's small groups or individuals, A Confident Heart is an authentic, insight-filled and encouraging message for any woman who wants to exchange destructive thought patterns with biblical truth that will transform the way she thinks, feels, and lives.



Also free at the time of posting:

The Year Of The Lord's Favor?: A Dramatic Vision of 9/11 Two Days Before it Happened and How it Can Change You Today
http://www.amazon.com/dp/B00CKEUDFG
4.9 out of 5 stars (26 customer reviews)

31 Powerful Prayers - Guaranteed To Make Tremendous Power Available and Avail Much!
http://www.amazon.com/dp/B007JWGKH4
4.5 out of 5 stars (23 customer reviews)
Books Deals

Amazon Coupons
Disney trip
Added on : Tuesday January 07th 2014 09:00:07 PM
g: 0 Posted By: guj21
Views: 15 Replies: 0 I want to take my kids to Disney ,Florida from NY.I am a little tight on budget.Plz help me and guide how to go there and where to stay ?We want to enjoy max with min budget.How should I travel there?Would much appreciate the input.
Requests Deals
Unauthorized transactions for a year - How to dispute successfully?
Added on : Tuesday January 07th 2014 01:00:08 PM
g: -1 Posted By: dbdr
Views: 173 Replies: 2 I just noticed that I have unauthorized transactions of $18 on my debit card (Visa) every month for a year. The charges are for TLC or TLG subscriptions (as the bank told me) that I didn't apply for. The description was very vague on my online statement, so I couldn't recognize it sooner.

The bank told me that they can only charge back (refund) 3 months for me, but I hope they can refund more.

Your advice would be greatly appreciated!

Thank you very much in advance!!!
Question Deals
Best use for 80K cash in short term
Added on : Tuesday January 07th 2014 10:00:16 AM
g: 0 Posted By: americano
Views: 0 Replies: 0 =10ptThese funds will become available in a few weeks. I am looking to maximize ROI on it for a few months.Anytime after Oct I can optionally use these funds to pay downthe mortgage

=10ptRCA is too much trouble. Is my last option.
=10ptUse it for Fidelity Mileage plus. Any other good offers?
=10ptSharebuilder? Although they don't currently have anyoffers.
=10ptShould I just invest it as per my AA? Of course it rules out the option of paying down the mortgage.Worried as the market is at an all time high.

=10pt​Please share your ideas.
CA SDI Short Term Disability for Self-Employed
Added on : Tuesday January 07th 2014 09:00:12 AM
g: 0 Posted By: jmw11
Views: 85 Replies: 0 Good deal or not at age 40, especially if you can foresee the necessity of using the paid family leave portion in about a year?

3.67% of the first $101k in net profit. (versus the much lower 1% paid by W2 employees for SDI)
6 weeks max for paid family leave benefits
39 weeks max for own disability
6 months must elapse before filing first claim
7 day no-pay waiting period

Breakeven seems to be at 4 weeks of benefits.

My gut feeling that this is a good deal at 1% but ceases to be a good deal beyond 3% to get fewer benefits than the W2 workers.

Would you get this or buy a private short-term policy?

Personal Finance Deals
Tax deductible volunteering vacations
Added on : Tuesday January 07th 2014 05:00:08 AM
g: 0 Posted By: mooingmooseman
Views: 165 Replies: 0 Hi gang,

I've looked into this quite a bit but don't see the answers I need, the IRS statements are (as usual) incredibly ambiguous. I have some extra vacation days this year and wanted to do a week-longvolunteer trip. I know that these things can frequently be tax deductible (airfare, lodging, car rental, gas) so I've started looking at the rules. Here is what the IRS says:

Generally, you can claim a charitable contribution deduction for travel expenses necessarily incurred while you are away from home performing services for a charitable organization only if there is no significant element of personal pleasure, recreation, or vacation in the travel.
[...]
Example 2. You sail from one island to another and spend 8 hours a day counting whales and other forms of marine life. The project is sponsored by a charitable organization. In most circumstances, you cannot deduct your expenses.

I'm not understanding why in this example 2 it is not deductible. Is it because there are 24 hours in a day and you are only "working" for the 8? Or is it just because counting marine life does not qualify as quality charity work?

I also don't know what "significant element of vacation in the travel" really amounts to? I am planning to do work w/ habitat for humanity (8am-5pm for 5 days), but will therefore have the nights to do whatI want. I may also fly in a day or two early because the flights are much cheaper (this HH does not do work on Sundays or Mondays and it is cheapest to fly in on Sunday).

I'm certainly not doing this FOR the tax deduction but just wanted to explore if/how I can arrange my trip to be most efficient. Thanks for your thoughts!
Tax Deals
Tax deductible vacations through volunteering
Added on : Tuesday January 07th 2014 04:00:09 AM
g: 0 Posted By: mooingmooseman
Views: 56 Replies: 0 Hi gang,

I've looked into this quite a bit but don't see the answers I need, the IRS statements are (as usually) incredibly ambiguous. I have some extra vacation days this year and wanted to do a week-longvolunteer trip. I know that these things can frequently be tax deductible (airfare, lodging, car rental, gas) so I've started looking at the rules. Here is what the IRS says:

Generally, you can claim a charitable contribution deduction for travel expenses necessarily incurred while you are away from home performing services for a charitable organization only if there is no significant element of personal pleasure, recreation, or vacation in the travel.
[...]
Example 2. You sail from one island to another and spend 8 hours a day counting whales and other forms of marine life. The project is sponsored by a charitable organization. In most circumstances, you cannot deduct your expenses.

I'm not understanding why in this example 2 it is not deductible. Is it because there are 24 hours in a day and you are only "working" for the 8?

I also don't know what "significant element of vacation in the travel" really amounts to. I am planning to do work w/ habitat for humanity (8 hour shifts from 8-5pm each day), but will therefore have the nights to do what i want. I may also fly in a day or two early because the flights are much cheaper (this HH does not do work on Sundays or Mondays and it is cheapest to fly in on Sunday).

I'm certainly not doing this FOR the tax deduction but just wanted to explore if/how I can arrange my trip to be most efficient. Thanks for your thoughts!
Tax Deals
What is proper way to begin investments for child
Added on : Monday January 06th 2014 06:00:11 PM
g: 0 Posted By: RomanStone
Views: 71 Replies: 1 Our daughter is 9 years oldandwe'retrying to teach her good financial habits. She currently has about $1500 in savings and is asking me whatI think she should do with it. Up until this point we just suggested she save as much as possible. But, I think she's old enough to learn about investing. I was consideringoffering her a "401k" where we match, dollar fordollar, whateveramount she manages to save, and to also learn how to invest that money and watch it grow.

In addition to what my daughter saves, and the amount we match, We will alsoinvest $2500/year for her in a separate account. Howwould you recommend we go about doing this? What type of accounts should we set up?


Thanks inadvance!




Personal Finance Deals
LEGO Winter Sale: Up to 57% off, deals from $1.48 + $5 s&h
Added on : Monday January 06th 2014 02:00:04 PM
g: 0 Posted By: Deals4mykids
Views: 336 Replies: 0 LEGO Winter Sale: Up to 57% off, deals from $1.48 + $5 s&h

http://shop.lego.com/en-US/catalog/productListing.jsp?_requestid...

Scoop up sale items and the best deals on LEGO sets before they're gone! Includes building and building accessories sets, apparel, collectibles and much more.

Shipping starts at $4.95 or get free shipping with orders of $75 or more.
Toys Deals

LEGO Coupons
BMC Software (symbol BMC) is now a Private Company
Added on : Monday January 06th 2014 01:00:12 PM
g: 0 Posted By: agawam
Views: 9 Replies: 0 I owned a few shares of BMC stock which has now become a private company. My common shares have been bought back in 2013 at a small profit to me. Since this was a transaction that I did not initiate, Firstrade did not generate a confirmation statement for the transaction. The only thing I have to reflect this transaction is an entry on my monthly statement that indicates a "Cash Merger" took place. Should I expect to receive a 1099 for this cash merger? The representative at Firstrade did not know nor did he make much of an effort to find out for me. Assuming that I don't get a 1099, how should I reflect this on my taxes? Should I fill out a Schedule D? Thanks.
Investing Deals
Good business checking account and CC for actual business?
Added on : Monday January 06th 2014 01:00:12 PM
g: 0 Posted By: motuwallet
Views: 124 Replies: 0 as the title asks, any suggestions for a good checking acct and credit cards for a business? In particular, I'm interested in being able to maintain a good degree of separation between my FWF activities and my actual business activities. Both for accounting purposes - I'm told I should keep business expenses on the business accounts as much as possible - and for allowing me to continue maximizing personal FWF techniques.

For instance, Cha$e has some good business card offers but I'm wondering if I should keep those available for my personal activities. I don't want to risk the possibility of personal AA affecting my business accounts.

The CC expense profile of my business will be mostly web services (AWS, etc).
Personal Finance Deals
Pantech Element 16gb 4g LTE 8" Tablet REFURB $110.00 Ebay
Added on : Monday January 06th 2014 10:00:04 AM
g: 0 Posted By: pete7919
Views: 171 Replies: 0 Came through on deal blast for today (1/6/14) only. Supposedly waterproof (limited duration). Mixed reviews mostly due to a much higher price.

LINK

Also, free upgrade to Ice Cream Sandwich:

Upgrade Link
Android Tablets Deals

eBay Coupons
12-Can Vending Machine Keeps It Cold - $29.99 w/ FS @ Kotulas
Added on : Monday January 06th 2014 09:00:04 AM
g: 0 Posted By: slervik
Views: 182 Replies: 2 Kotula's has a 12-Can Vending Machine "Keeps it Cold" on sale for $29.99 with free shipping.

"Punch up some fun with this cool vending machine. Small but mighty machine holds up to twelve 12oz. cans of soda. Simply push the button and a refreshing beverage comes out the bottom. The unit cools beverages up to 32 below ambient room temperature, making it a great choice for game rooms, your office or anywhere a cold one would be desirable. And with the metallic red finish, its a stylish choice, too. 15in.L x 13.6in.W x 21in.H."

Personally, this is the lowest price I've seen for a personal vending machine. I couldn't find much when it came to reviews though.

VENDING MACHINE LINK

Appliance Deals

Kotula's Coupons
How much of the deposit to return? lease take over
Added on : Sunday January 05th 2014 12:00:04 PM
g: 0 Posted By: SFcapitalist
Views: 155 Replies: 7 I took over someone's lease in early 2013 and he had placed a $1000 when he first moved in. We agreed that once this lease takeover ends and I move out that I will send him whatever I get from the office. As a side note, had I moved in on my own and not a lease takeover, I would've only been required to put down $500 deposit.
Due to some personal circumstances, I had to extend the contract. He's not willing to wait until the end of this extension and wants his deposit back. He believes that he should get the full deposit because the apartment was in good shape when he left it. But I explained to him that there could be mandatory deductions as well as other charges. I verified this with the office and there are mandatory deductions ($65 for carpet cleaning, $110 for required full/partial paint, etc).

He is asking for $500 by end of Friday to settle this and I will keep whatever I get back when I move out. Does this sound fair?

Deposits Deals
Credit Karma and my BCP
Added on : Sunday January 05th 2014 10:00:04 AM
g: 0 Posted By: dougan778
Views: 159 Replies: 1 I have looked around but haven't found much, figured someone here might know.

I just signed up for Credit Karma and I noticed that they don't know about my American Express Blue Cash Preferred card. I know I have heard that some credit cards don't show up on some of the credit histories, but I couldn't find anything about this specifically. Is it just that American Express doesn't report to TransUnion? Seems like that would be documented well enough for me to find on google. Am I missing something?

Thanks!
Credit Deals
g: 1 Posted By: remick
Views: 248 Replies: 0 What Are You Afraid Of?: Facing Down Your Fears with Faith
http://www.amazon.com/What-Are-You-Afraid-Facing-ebook/dp/B00CH7L73I

4.7 out of 5 stars (42 customer reviews)

What Are You Afraid Of?
What is it that immobilizes you? What is stealing your joy and destroying your hope? What is robbing you of sleep night after night? What keeps you from living by faith and taking risks? What keeps you from giving your life wholly to a loving God who wants nothing but the best for you?
Regardless of your answer to these questions, one thing is absolutely certain: God is the answer to all your fears.


Through the Psalms with Derek Prince
http://www.amazon.com/Through-Psalms-Derek-Prince-ebook/dp/B002QMLEPU

4.9 out of 5 stars (9 customer reviews)

No literature in the world excels the psalms of David in their ability to provoke the human soul to meditate on the deepest and most abiding truths of God.
In this daily devotional, Derek Prince unfolds the multifaceted Psalms, which are at once deeply emotional and thoroughly practical. These eternal songs are a springboard to authentic worship and a glimpse into the heart of David's Father-and yours! Prince illuminates the Psalms through 101 engaging meditations, each based on a specific passage and theme and concluding with a one-sentence faith response for focus and application.



There Is More!: The Secret to Experiencing God's Power to Change Your Life
http://www.amazon.com/There-More-Secret-Experiencing-Change-ebook/dp/B00AHY0RNY

4.5 out of 5 stars (53 customer reviews)

God is not a God of carefully measured handouts. He longs to give you more--as much as you're willing to receive.
Books Deals

Amazon Coupons
Amex Platinum Delta and adding my wife
Added on : Sunday January 05th 2014 04:00:15 AM
g: 0 Posted By: NielS81
Views: 36 Replies: 0 I've been scouring for past month or so for information but all threads are a bit disconnected and scattered for my situation. So need your opinion.

I want to add my wife to my card. She also has Amex Gold Delta and it's a bit irresponsible if I didn't cancel one of the cards and save in annual fee.
I used to travel a lot in my early days as I consulted and my delta miles are considerably high. But since I've changed jobs and don't travel as much, I'd like to entertain some options.

I've looked through ' what card is right for me' an some other forums but seems like I may be late late to the game and don't have as much latest information on the sites.
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 174 Replies: 0 see ad scan...

$40 total BEFORE sales tax and BEFORE coupons. Your OOP can be much less after manu coupons, plus Kmart doubles q's up to $1 when you spend $25 (limit 4 coupons)


Grocery Deals

Kmart.com Coupons
Refi 2nd mortgage only - any lenders willing?
Added on : Sunday January 05th 2014 12:00:02 AM
g: 0 Posted By: finalpendragon
Views: 1 Replies: 0 Are there any lenders who would be willing to do a refi on a second mortgage, or maybe do an HE loan that would pay off the original 2nd? Okay, I know the obvious question is "Why not just refi both loans together?". You see my second mortgage has a rate of 8.25% while my first mortgage was refi'd last year at 3.5%. With the current market rates being about 4.5%, and the second mortgage being so much smaller than the first, it doesn't offer me any advantage to combine the two into a higher rate. Here are the numbers:
first mortgage (3.5%) $330k second mortgage (8.25%) $48k LTV 75%
Because the LTV is less than 80%, it seems plausible to think that I can refi or use an HE to pay off the second lien. But is it? I went through the interview process with one lender already this week only to be turned down. It's a pretty time-consuming process! So I'm wondering if it's worth trying again with other lenders or if I'd just be wasting my time. The few other threads that touched on this subject were very old. Does anyone know of a lender who's willing to refi a second in the current market?
Commuting/Travel Expenses - Tax Deductible?
Added on : Saturday January 04th 2014 06:00:07 PM
g: 0 Posted By: supersnoop00
Views: 94 Replies: 1 I expect I'll need to pay a professional to advise on this issue, but I'm hoping some folks here can point me in the right direction first.


My wife is about to receive her PhD; she already defended, so she just needs to file and walk across the stage. She's hoping to get a job teaching at a university. This coming semester, she's taken a position teaching at a school about 200 miles away from where we live. They've scheduled her to teach two classes, one at night and another the next morning, so she'll be spending the night away from home. Is there any way to structure this arrangement to allow deduction of travel/commuting expenses for tax purposes? My research so far indicates that the job location would be her "tax home," and therefore nothing would be deductible. If, however, we set up a "home office," that might become her tax home. I think any expenses would have to exceed 2% AGI before anything can be deducted.

What is required in order to make these expenses deductible?
Is there a way to deduct all expenses, or only those above 2% of AGI?


To make things more complicated, many of the jobs she's applying for next academic year are only one or two year appointments. They would probably require her to maintain an apartment or other living arrangement in a city much farther away. She'd spend most of her time there, only coming home every other weekend and on school breaks. This living arrangement would, no doubt, complicate things even more for tax purposes, but would also be much more expensive, thus more worthwhile to find a way to deduct the commute.

Would the expenses in this scenario be deductible at all?

Tax Deals
Amex Blue Cash Prefered Promotion Not Received Due to Another Blue Card
Added on : Saturday January 04th 2014 05:00:06 AM
g: 0 Posted By: MsEmptyWallet
Views: 54 Replies: 4 Hello Dear Forum,

I hope I can get some constructive advise to get this issue resolved.

I applied for Amex Blue Cash Preferred (BCP) in Aug of 2013 under the promotional terms of $250 reward dollars for $1000 spend in 3 months.

I spent the $1000 but didn't receive the $250 promotional offer. I came to find out that it was because I had another Blue Cash card open (non-preferred kind). I had an Amex Delta Skymiles card 2-3 years ago and when I called to close it the rep wanted to keep my business and did a conversion to the regular Blue Cash card. So technically the BCP was the first and only app I have ever had with Amex. But I see how the system sees it that I have two different Blue Cards presently and is invalidating my promotional offer on the BCP card.

Though the reps and supervisors have been helpful and tried to force the system to credit the $250 they haven't been able to.

Am I SOL?

Is there any other way here to get my $250?

Can I cancel mynon-prefered BC card and after a few weeks try tosee if the system will allow the $250 promotional offer to be posted to the account?

Should I try contacting the Amex executive offices for a one time courtesy credit of the $250 promotional dollars?

Any other ideas? Thank you very much for reading and for any suggestions provided.
Credit Deals
Paying for grad school with credit card?
Added on : Friday January 03rd 2014 02:00:07 PM
g: 0 Posted By: brfitzp
Views: 98 Replies: 1 Hi, I just wanted to get some opinions on this.
I want to get my masters degree and the school i want to go to costs 3250 per 6 month term, a flat fee

I was considering getting a 0% for 18 months card like the citi simplicity in order to pay for school and pay about 542 a month for the next 18 months and walk away from school with a degree that's paid for without any interest.

I work a full time job and shouldn't have much of a problem paying that much per month, my idea is even if i don't pay the full 542 but instead pay 442, that would leave me with 1800 left to pay with intrest which wouldn't amount to much if i continued paying for another three or four months.

It seems like a much simpler and possibly cheaper method than paying for a student loan. Any input on this?
Credit Deals
g: 7 Posted By: remick
Views: 909 Replies: 1 http://www.amazon.com/Pocket-Your-Dollars-Attitude-Financial-ebook/dp/B00AHY0RKW

4.6 out of 5 stars (99 customer reviews)

Countless free budget plans are available for every possible income level and stage of life. So why do more than 60 percent of U.S. households still live paycheck to paycheck? The key to financial stability and success isn't just about money--it's about attitudes.

Rocha uses the lessons she learned overcoming personal debt to teach readers how to triumph over the lies we tell ourselves, such as "I deserve a treat," "Fake it till you make it," and "I can't afford it." Each chapter uses real-life examples to explain faulty thinking about money, followed by step-by-step instructions for how to overcome these pitfalls. Budgets are helpful, but real change won't happen without a financial attitude adjustment.


also:

The How to Guide to Money
http://www.amazon.com/How-Guide-Money-Brian-Carr-ebook/dp/B006ZN7T3W

The How to Guide to Money is a one-stop read for anyone interested in learning more about how to get their personal finances under control.
When you consider how tough the current economy is, with household income falling and jobs hard to come by, learning these skills now amounts to economic survival.

By purchasing The How to Guide to Money you will:
* Learn how to painlessly and easily create and stick to a monthly budget
* Get access to a simple Excel-based budget template that is easy to follow and reduces the amount of work required to create and track your budget.
* Learn about how changing the way you view money (hint: time really does equal money) is the single biggest step toward living a frugal lifestyle.
* Discover over 345 ways you can drastically cut your monthly expenses without affecting your quality of life or lifestyle.

Don't waste any more time being lazy about your financial future and goals. Buy The How to Guide to Money and start your budget and saving more money today!


The Fast Track Route To: Eliminate All Debt Financially Guaranteed
http://www.amazon.com/Fast-Track-Route-Financially-Guaranteed-ebook/dp/B00HGTBIPO

I personally have been in debt myself, and discovered the exact solution to getting out of debt, and I FINANCIALLY GUARANTEE that it will work for you as well. All you have to do is follow the instructions, steps, and methods explained within the E-book. You will get out of debt, after implementing this valuable information in your life.


A Story of Debt
http://www.amazon.com/gp/product/B00A04S4TK

The 14-month story of how I paid off $20,500 of credit card debt.


The How to Guide to Money
http://www.amazon.com/How-Guide-Money-Brian-Carr-ebook/dp/B006ZN7T3W

The How to Guide to Money is a one-stop read for anyone interested in learning more about how to get their personal finances under control.



Simplified - Living More Efficiently and More Affordably
http://www.amazon.com/Simplified-Living-More-Efficiently-Affordably-ebook/dp/B00HL6OWBO

Todays world is a fast pace, and individuals have less time. Being simplified means more time for your activities, family and for better decision making. It is a new form of a five star champagne and luxury lifestyle through less complexities and stress.



Frugal Cooking for Simple Living (90+ Recipes)
http://www.amazon.com/dp/B00CTVOVD0

Your family will love trying new delights from this cookbook and you'll quickly find that eating frugally can equal eating well!



Inexpensive Meals - The Ultimate Recipe Guide
http://www.amazon.com/Inexpensive-Meals-Ultimate-Recipe-Guide-ebook/dp/B00H7IEZTK

Preparing meals at home allows you to control their nutritional value, but planning healthy meals on a budget can seem overwhelming. With a bit of planning, the task becomes much less daunting. We have collected the most affordable and delicious recipes from around the world. Enjoy!

Books Deals

Amazon Coupons
Backdoor Roth Timing
Added on : Friday January 03rd 2014 05:00:15 AM
g: 0 Posted By: cpaynter
Views: 88 Replies: 2 In 2013, for the first time in our lives, DW and I made too much money to contribute directly to Roth IRAs. Good problem to have, I know. So we switched our contributions to non-deductible traditional IRAs, then come December, converted those traditional IRAs to Roths. So all is well, except that we start out 2014 with exactly $12,000 in our 2013 Roths. In other words, we're missing out on any tax-free growth for the year. I'm thinking that it would have been better, as soon as we knew we'd be over the income limit for Roth (in our case in June), to immediately make our full contributions to the traditional IRA's and convert those to Roth's. That way, all earnings for the rest of the year would roll into the Roth's and would be tax protected. Am I wrong here? Turns out in 2014, we'll probably be in the same state (over the earnings limit). So I'm thinking we're better off to, right now, contribute the max to a traditional IRA and do the conversion to Roth. That way, we'd keep in the Roth the whole year of earnings, instead of just $12,000 if we waited until December to do the conversion. Am I overthinking this?

Chris.
Investing Deals
g: 0 Posted By: remick
Views: 177 Replies: 1 Trusting God for Life to the Fullest
http://www.amazon.com/Thriving-Trusting-God-Life-Fullest-ebook/dp/B00B85M180

Jesus made believers a bold promise: life and life to the fullest. He offers us more than just barely getting by when challenges come our way. But that kind of life doesn't happen automatically. It takes knowing and using what Jesus offers.

Thriving equips readers to live the abundant life through leaning into the God who cares, knowing they are more than enough in Christ, and living the adventure of life in the Spirit. Author Nancy Grisham brings scriptural truths to the forefront. Using personal stories and insights, she helps readers appropriate Jesus's promise in their own lives. Each chapter concludes with a practical reflection and application section perfect for individual study or small group discussions.


10 Minutes a Day with Jesus
http://www.amazon.com/10-Minutes-Day-Jesus-Growing-ebook/dp/B00AKHM7HC

What difference can ten minutes a day make? Plenty, says Jim Reapsome. Especially if that ten minutes is devoted to getting to know Jesus better. In this fresh devotional, readers will find more than just pietistic platitudes to start the day. They'll ponder the question of what Jesus has to say to his followers living in a deeply troubled and hurting world. They'll explore some of his most important teachings. And they'll see how Jesus calls each of us to look beyond ourselves.
Anyone looking for a renewed passion for Jesus's message and a deeper understanding of his life will find both in 10 Minutes a Day with Jesus.




Also free at the time of posting:

In The Pit
http://www.amazon.com/Pit-Nancy-Hagerman-ebook/dp/B0071N8F0Q

In The Pit: A Testimony of Gods Faithfulness to a Bi-polar Christian, gives six practical steps that anyone can apply as they search for victory. The author, Nancy Hagerman, knows her subject well. The book details her struggle with bi-polar disorder from the brink of suicide to the heights of mania. Nancy found Jesus in that pit of despair. She learned that Jesus, instead of condemning her for lack of control, treasured her and wanted to help. Nancy offers much-needed help to Christians struggling with depression or mania, and to their families. This book will also prove to be a valuable resource to friends and family members as they seek to understand and support loved ones battling the illness.

"When you find your life turned upside down through a chemical imbalance, it poses many serious questions for the Christian believer. Nancy Hagerman, a faithful and spiritual woman of God, has been there. This book will bring understanding and hope to anyone struggling in this area." ~ Pastor Jim Hale, Spirit of Life Christian Fellowship


The Christian Professor in the Secular University: Singing and Soaring on Paths of Joy
http://www.amazon.com/Christian-Professor-Secular-University-Singing-ebook/dp/B00HIRCU6K

Finding creative ways to share his love of the Lord is a high priority for Dr. Keilstrup, and this book was written not only to share his memories with family, friends, and others of his generation but also to encourage all to find the joy that comes from God's blessings and their own sharing of faith through a variety of ministries.
Books Deals

Amazon Coupons
g: 1 Posted By: bpvh
Views: 18 Replies: 0 100% Back in Rewards on Select Office Supplies for Office Depot Rewards Members ~ Jan 5-11, 2014


Office Depot offer 100% back in Reward Bucks on select office supplies for the week of January 5 through 11, 2014.

http://officedepot.shoplocal.com/


Pilot G-2 Retractable Gel Pens, 12-PK - Black, Item #790-761
Pilot G-2 Retractable Gel Pens, 12-PK - Red, Item #790-841
Pilot G-2 Retractable Gel Pens, 12-PK- Blue, Item #790-801

Office Depot Brand Manila File Folders, 100-PK, Item #810-838
Office Depot Brand Hanging Folders, Green, 25-PK, Item #810-994

Bankers Box Basic Strength Corrugate Filing/Storage Boxes 10-PK, Item #287-154

PaperPro Desktop Stapler, Item #475-166

Avery White Laser Address Labels, 3000-PK, Item #364-364

Energizer Max Alkaline AA Batteries, 24-PK, Item #626-049

3M Scotch Tape, 10-PK, Item #489-461


A few points to keep in mind:

This is a Rewards BUCKS offer so no 1000 point payout increments to worry about.
To date, an "item" has been a distinct SKU.
Coupons, rewards and merchandise cards will reduce the rewards payout. Gift cards are OK.
Unlike Rewards POINTS offers, Rewards BUCKS offers are not noted on the rewards account until the Rewards BUCKS are made available.
The terms state the Rewards BUCKS will be made available in 5 weeks. At least with the only other Rewards BUCKS offer -- the recent battery offer -- the Rewards BUCKS were made available much sooner for most purchases.


Terms:

Office Depot Reward Bucks: You will no longer receive rewards by mail. Members without a username and password must create them when logging in to their account at officedepotrewards.com [officedepotrewards.com] and will receive all future rewards online. Offer valid 1/5/14 1/11/14 11:59 PM ET in-store, online, by phone or fax. Limit 2 of each item per member per day. Your Office Depot Reward Bucks will be available in about 5 weeks. Office Depot Rewards: Points are earned on the price paid for a qualifying item before tax and after deducting all discounts and the value of any Office Depot Rewards or Merchandise Cards/Certificates applied to purchase. Visit officedepotrewards.com or call 866.562.3872 for Terms and Conditions.


Copied from SD's xlnc


Office & School Supplies Deals

Office Depot Coupons
g: 0 Posted By: FWpep
Views: 158 Replies: 4 So if you read a financial article today, whether it is bullish on the market or bearish on the market you will see a gazillion comments in the comment section of the articles each making the opposite case. Since I think most would agree that people here in the FW Finance forum are typically smarter (financially speaking) than most, I thought the folks in this community could put forth their thoughts on this subject.

I recently watched some youtube videos of the financial coverage about a week before the crash in 2008 (Sept. 14-19 2008), this was just before the huge slide down. I found it to be a good exercise because I had already forgotten just how bad it got even before the huge slide down. You could actually hear the fear in the tone of the usually very optimistic anchors and analysts. I had mistakenly thought that they remained optimistic up until the point the market plummeted but that was not the case at all. They were talking financial armageddon days before the huge slide really got underway.

So in hindsight it is easy to see that the housing market down turn, bad loans, and perhaps most importantly the crisis in confidence with bad ratings on the mortgage backed securities would end badly. A whole cascade of bad things happened when that began to unwind. That is the short version of course.

It seems today that we are in much better shape. The economy is supposedly fairly strong, and headed in the right direction albeit slower than hoped and the stock market is hitting new highs every other day. However, stock markets cannot go up forever. Not asking for a prediction of when (but you can include if you'd like) but more of a big picture look knowing all we know about the Fed's monetary policy and general economic conditions and trends. I would have thought that we would have widespread inflation right now, but that is not the case and I don't really know why there isn't massive and widespread inflation. So,

1. What do you THINK will cause the next downturn?

2. Do you think it will be a mild and orderly downturn OR a major downturn?

3. What are you doing to protect/hedge your entire financial portfolio?









Investing Deals
Amazon 25% off Shoes/Boots bought from Amazon - restrictions apply
Added on : Thursday January 02nd 2014 06:00:05 PM
g: 0 Posted By: Moggi1964
Views: 260 Replies: 0 Just got myself a pair of Frye Wayde Combat Boots and saved $70.

Haven't seen them priced much if anything below retail.

Buy from Amazon.com:

Save 20% on each participating item when you spend $75.00 or more on Qualifying Items offered by Amazon.com. Enter code BOOTS275 at checkout. Here's how(restrictions apply)

Shoes Deals

Amazon Coupons
balsa wood models/puzzles for $1.29 @ harbor freight, some in store only
Added on : Thursday January 02nd 2014 04:00:05 PM
g: 1 Posted By: bachrach44
Views: 315 Replies: 1 Harbor Freight has several balsa wood models on sale for 1.29 each. I picked up a few of the dinosaur ones for my kids in store today. They're not big - maybe 6 or 8 inches tall, but should still be fun for kids (or adults ) in the right age range. For some reason they're not all showing up online, and the 6 dinosaurs I got all have one of two SKUs, which makes it hard to search for them. You may have to go to a store for some of these

Dinosaurs:
T-Rex
Apatosaurus(this is the SKU all of them use - listed as in store only on the website)
Spinosaurus (amazon linkfor product description)
Styracosaurus
Dimetrodon (amazon linkfor product description)
Brachiosaurus (amazon link for product description)
Parasurolophus (Amazon linkfor product description)
Plesiosaurus (same SKU as the T-Rex above)

others:
insect
airplane

Also if you buy today (Thurs), don't forget to use this coupon for a free tarp:
http://www.fullofdeals.com/forums/hot-deals/1329747/

and if you buy tomorrow (Fri), use this coupon for a free worklight:
http://www.fullofdeals.com/forums/hot-deals/1329745/

You can also use this coupon till 1/31/2014 for 20% off one item, but since these are 1.29 a piece that doesn't really save you much.
http://www.harborfreight.com/20off-coupon912-aff-11.html
Toys Deals

Harbor Freight Tools Coupons
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
Real Estate Tax Shelter
Added on : Thursday January 02nd 2014 01:00:04 PM
g: 0 Posted By: Carterman32
Views: 108 Replies: 1 Hello,

I'm trying to legally shelter my income, but am having trouble coming up with an effective way to do so.

Here are my stats:

Age: 32

Gross Income: $200k (entertainment biz)

Itemized Deductions:
Traditional 401k contribution: $17.5k
Mortgage interest: $8k/yr
Property taxes: $4k/yr
HSA: $1200/yr
---------------------
Total Itemized deductions: Approximately:$30.7k/yr

MAGI: $169.3k

I live in the Los Angeles area and was considering purchasing rental income property to offset my earnings, butit seems that the yearly tax deductions for rental properties phases out completely at income levels above $150k MAGI. If I'm understanding tax law correctly, above that stated income, you have to carryover tax losses every year until you sell the property, at which point you can claim all the "losses" (Depreciation, repairs, property taxes, etc) at once. That seems like a long time to wait to get the tax benefit, and there may be no tax benefit if you happen to not have a job (and therefore, haven't paid much in taxes) in the year the property is sold.Is there any way to claim yearly tax deductions from rental property to offset your income if you make above $150k MAGI? If not, are there any quality, legal tax shelters that I should be aware of to help offset my income and get me into a lower bracket?

Would appreciate any help you could offer.
Real Estate Deals
ASUS Google Nexus 7" Tablet with 16GB Memory - (Refurbished) $119.99 FS
Added on : Thursday January 02nd 2014 10:00:10 AM
g: 2 Posted By: GreenTrash
Views: 303 Replies: 3 LINK

Stay connected to the world around you with the refurbished Asus Google Nexus 7" Tablet PC. Featuring Android 4.1 (Jelly Bean) Operating System, this tablet allows you to effortlessly surf the web, draft and send emails, play games and much more.
Asus Google Nexus with WiFi 7" Touchscreen Tablet PC, Refurbished:

Technical Specifications:
The Asus Google Nexus 7" Tablet PC features a 1.20GHz NVIDIA Tegra 3 Quad-Core processor
1GB DDR23 system memory and 16GB on-board storage memory
7" touchscreen, 1280 x 800 resolution, virtual keyboard
Built-in 802.11b/g/n Wi-Fi and Bluetooth v2.1
Additional Features:
The Asus Touchscreen Tablet with WiFi features a front 1.2 megapixel camera/webcam
USB 2.0 port, micro USB
GPS, gyro sensor, ambient light sensor
Up to 9.5 hours of run time on a full charge
This brown refurbished Android 4.1 Jelly Bean Tablet PC weighs 0.75 lbs; 7.8" x 0.4" x 4.7" dimensions
Software and Applications:
The brown refurbished Android 4.1 Jelly Bean Tablet PC features Android 4.1 OS (Jelly Bean)
Gmail, Google Maps, Google Talk, YouTube, Search by Voice 2.1, Calendar Sync, Google Movie Studio, Games
Android Market (for applications)
What's in the Box:
Asus Touchscreen Tablet with WiFi and AC adapter
Android Tablets Deals

Walmart Coupons
how much money I lost in 2013
Added on : Thursday January 02nd 2014 07:00:08 AM
g: 1 Posted By: hairybeast
Views: 99 Replies: 0 Lost about $3,000 trading options. Always on the wrong side of the trade and yes, I am finished with options and trading now.
Personal Finance Deals
8x11, Same Day 12 Month Photo Calendar @ www.walmart.com
Added on : Wednesday January 01st 2014 09:00:08 PM
g: 0 Posted By: jaymanthegreat
Views: 64 Replies: 0 8x11, Same Day 12 Month Photo Calendar


Onlne Price: $12.00~~Item Description:
The 8x11 Same Day 12 Month Photo Calendar is an innovative way to display your favorite photos. Personalize your very own photo calendar with your favorite family photos, wedding photos, pet photos, vacation shots, and more. Add a personal touch to this calendar by customizing those photos with your favorite captions, messages, and more. You can even personalize this 12-month photo calendar with your own texts, sayings, or images indicating special dates, holidays, birthdays and much more. Available for same day pickup.
8 x 11 Same Day Photo Calendar, 12 Months:Personalize with photos and captions
Photo calendar starts any month you choose
Customize months using text or images indicating special dates, holidays, birthdays and more
18-month photo calendars available (additional charge applies)
Photo calendar measures 8 x 11 inches folded and 17 x 11 inches flat
Printed on heavy, bright white paper with a silk finish
Available for pickup same dayhttp://www.walmart.com/ip/8x11-Same-Day-12-Month-Photo-Calendar/...
Services Deals

Walmart Coupons
Amazon has Ryse and Forza 5 for 39.99 each XBOX ONE
Added on : Wednesday January 01st 2014 06:00:10 PM
g: 0 Posted By: iamthejosh
Views: 179 Replies: 0 Haven't gotten Ryse yet but seriously thinking about it because although the reviews were bad I only hear great things about it.

RYSE

I do have Forza 5 and it's awesome. The graphics are pretty much photo-realistic and the game play is good for both advanced (sim) and intermediate (arcade) players.

FORZA 5

Of course both ship with Prime or FSSS.
Xbox One Games Deals

Amazon Coupons
Godiva: FREE piece of Chocolate every month and much more
Added on : Wednesday January 01st 2014 11:00:10 AM
g: 0 Posted By: attaallah
Views: 150 Replies: 0 Join Rewards Club!=largerJoin the Godiva Chocolate Rewards Club today and gain instant access to exclusive member benefits.Your Rewards Start Here.FREE piece of chocolate every month*FREE gift each month you spend $20 or more*Birthday Offer every year on your birthday*FREE standard shipping for one online order*Exclusive offers every month*

https://www.godiva.com/get-rewards
Surveys & Rewards Deals
Christmas String & Net Lights 75% off, sets from $0.55 Lowes.com
Added on : Wednesday January 01st 2014 04:00:04 AM
g: 0 Posted By: gizmo
Views: 296 Replies: 0 Christmas Lights 75% off

0.55Holiday Living 35-Count Incandescent Mini Multicolor Christmas String Lights
0.62Holiday Living 50-Count Incandescent Mini Multicolor Christmas String Lights
0.62Holiday Living 50-Count Incandescent Mini Clear Christmas String Lights
$1.24GE 100-Count Incandescent Mini Clear String-A-Long Mini White-Corded Christmas String Lights
$1.24GE 100-Count Incandescent Mini Blue String-A-Long Mini Christmas String Lights
+ MUCH MORE


TWINKLING SPARKLE LIGHTS
String Lights
$3.25GE150-Count Incandescent Mini Clear
$3.25GE150-Count Incandescent Mini Multicolor
$3.75 GE96-Count Incandescent Mini Clear Twinkling Snowflake Icicle
$5.00 GE150-Count Incandescent Mini Clear Twinkling Snowflake Icicle
$5.00GE108-Count Incandescent Mini Clear TwinklingSnowflakes w/3 GE random sparkle 3D snowflake stars
$5.50GE300-Count Incandescent Mini Clear
$5.50 GE300-Count Incandescent Mini Clear
Nets
$3.75 GE150-Count Incandescent Mini Clear
Home & Garden Deals

Lowe's Coupons
Clarity HD Model One Speaker Monitor Matte Yellow, $249.97 shipped
Added on : Wednesday January 01st 2014 12:00:02 AM
g: 0 Posted By: cga
Views: 86 Replies: 0 Monster on eBay

Yes, this is a Monster product, and no I have never purchased, and would never consider purchasing, a Monster cable or connector.

However, if you google the reviews you will see this is a very highly rated amplified speaker pair suitable for use with iPod gadgets, as a sound bar substitute (can be plugged directly into your TV), for use with an electric guitar and keyboard, and of course as studio monitors. I'm not going to link the reviews, but they are numerous and many of the reviews were written when the market price was over twice as much as this deal price. Keep in mind the "regular" price of this pair started out at $750; it is now available for around $400-500. At $250 they represent a very good deal, assuming you can overlook two issues. Number one...this is a Monster product. And number two...this deal is for the yellow version only so I'd never put them in my living room. I plan on using them with my keyboard and perhaps guitar.

I'm guessing this price will not last long, but I could be wrong.
Headphones & Speakers Deals

eBay Coupons
g: 0 Posted By: Natecj2
Views: 161 Replies: 0

The back cover safely holds your Tablet in place with place holders that latch on to the sides of the tablet
Soft microfiber interior lining offers anti-slip protection when roll back cover is in typing position, and adds much needed scratch protection for your screen
All ports, buttons, and camera is perfectly exposed for un-hindered use while your Tablet is protected
Smart cover function compatible-Auto Wakes and Put iPad to Sleep
Can be converted into a stand case with different viewing Angles
Life time warranty from i-Blason LLC

http://www.amazon.com/i-Blason-Apple-Generation-i-Folio-Smart/dp...
Tablet Accessories Deals

Amazon Coupons
question re: "switching" cards
Added on : Tuesday December 31st 2013 08:00:11 AM
g: 0 Posted By: whatmary
Views: 130 Replies: 3 I have a barclaybank US airways card with a $89 annual fee. when I travelled weekly for a living, the benefits of this card were fab and well worth the cost. now that I am no longer traveling regularly for work, though, it's not worth the annual fee to me.

most of my credit accounts are relatively new, though, and this one is pretty old. I don't want to lose it in the mix of my credit age as I worry about this adversely impacting my credit rating (I'm thinking of buying a house soon).

I know barclay is more than happy to keep me as a customer and give me whatever card I want to replace it. but when they do this, do I lose the age of the account? or would that travel to the new card?

thanks so much.
Credit Deals
Asics Kayano 19 men's running shoes $78.28 AC
Added on : Tuesday December 31st 2013 06:00:03 AM
g: 0 Posted By: StudlyDego73
Views: 174 Replies: 0 I had some Amazon gift cards burning a hole in my pocket and I was also in dire need of new running shoes. So I decided to upgrade from my Asics Gel 1160s to these Kayano 19s. Amazon has a coupon for $15 off $75 in certain Athletic shoes right now with code NYNYSHOE.

Different colors are different prices. The black/red/lime appear to be the cheapest. I wasn't a huge fan of the pic of them, but when I had them delivered yesterday, I was pleasantly surprised that the lime did not "pop" as much as it does in the pictures. Obviously not all sizes will be available. At the time I ordered, the black/red/lime were the only ones available in 12; however, now there seems to be a bigger selection. This is a great running shoe and after a 5 mile run it feels great. I don't do more than 3-5 miles at a time due to back issues, but I can say that at shorter distances these provide great support and cushioning. Probably a tad heavy to do marathons in, but I know people who have with older versions.

Kayano 19
Shoes Deals

Amazon Coupons
Free Kindle Book- A Complete Guide About Submarines
Added on : Tuesday December 31st 2013 03:00:12 AM
g: 0 Posted By: remick
Views: 41 Replies: 0 http://www.amazon.com/TORPEDO-WATER-Complete-Guide-Submarines-ebook/dp/B00FQWRZUK

Length: 616 pages

The ultimate book on modern military submarines!
Completed after more than two years, this is a book full of technical data and clearly written.

The first part of the book includes the following chapters:
- the concept of submarine;
- the designations;
- the hull;
- the compartments;
- conning tower, trees and antennas;
- propulsion and navigation;
- the propeller;
- the sonar;
- life on board;
- the armament;
- nuclear deterrent;
- countermeasures, mines, bombs and tactics of defence;
- the sunken submarine scenario;
- underwater communications;
- revolutionary projects;
- a look at the Navies of the world;
- interviews;
and much more!

The second part of the book includes highly detailed dossiers on all the submarine classes operating in the world, including those for incursions, scientific research and rescue! All accompanied by a lot of images, comments and data sheets.
Totally Free Deals
g: 2 Posted By: bittul
Views: 253 Replies: 1 "Temporarily out of stock. Order now and we'll deliver when available."

$13.97 from "Amazon". Other sellers are selling for 3x as much (starting at $40)

www.amazon.com/gp/product/B0053V3JLS/?smid=ATVPDKIKX0DER

* 4 Glass canisters with screw on, brushed metal, stainless steel lids
* 1 Bonus giant nylon scoop
* Perfect for cereal, pasta, rice, sugar, coffee, etc.
* Dishwasher safe
* Great gift for birthdays, anniversaries, Mother's Day, housewarmings
Home & Garden Deals
g: 0 Posted By: bittul
Views: 257 Replies: 0 Only 6 left in stock (more on the way).

Should still be able to order (from Amazon as seller) after those 6 are gone.

Other sellers are selling for twice as much (starting at $40)

www.amazon.com/gp/product/B00D7FRR9W

* Mobile Router with USB Media Hub. Access the internet and stream USB content to all connected devices
* Built-in USB 2.0 port allows connection of USB Drive for file sharing. Streams movies, music, digital files to Wi-Fi connected devices
* Built-in 2.1A USB output to charge iPads, tablets, smartphones, etc. Serves as a DHCP Router or Access Point
* Perfect for travelers to convert a hotel Ethernet connection to Wi-Fi. IEEE 802.11b/g/n compliant with up to 150Mbps speed
* Supports WEP, WPA and WPA2 64/128 bit security. Free apps for iOS and Android operating systems
* Built-in USB 2.0 port allows connection of USB Flash drive or external hard drive for file sharing. Compatible with Windows and Mac formatted storage devices
* IEEE 802.11b/g/n compliant with up to 150Mbps speed. Supports WEP, WPA and WPA2 64/128 bit security. Free apps for iOS and Android operating systems. Removable power plug for easy storage.
Networking Deals

Amazon Coupons
Best Vehicle for Driving 20k-30k Miles Per Year
Added on : Monday December 30th 2013 06:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 0 Replies: 0 Hello All, who doesn't love a good random vehicle question? I'm considering taking a new job where I will be traveling extensively all over the United States and on the road almost all the time. I've spoken to people who have this job and own vehicles and they have told me that drive between 19k miles (the lowest) and 32k miles (the guy who drove the most). I have two choices for having a vehicle:

Option 1: Rent a car every week on the company's dime, return it and travel with lower level co-worker by bus or plane. Gas is also expensed and there is obviously no maintenance cost, but there is the hassle of picking up and dropping cars every week and I will always have an "intermediate" (Hyundai Elantra, Chevy Cruize, Chrysler 200, etc.) which is far from my dream vehicle.

Option 2: Purchase a car and be reimbursed at the prevailing IRS mileage rate. This seems like it would be the better option because if we assume that the IRS mileage rate will never drop from the current .56 cents per mile, that would be $11,200 (20k miles)-$16,800(30k mileage) every year. In theory, I could buy a brand new lower end domestic car every year/two years just with this reimbursement.

Here's my issue though, if I'm going to spend this much time driving this car, I really want something that I will be comfortable and enjoy driving. I'm 6'6" so the cars will have to be larger to be comfortable, I would prefer a used luxury vehicle that can take lots of highway mileage with minimal repairs. Gas mileage is a secondary concern for me and while it isn't necessary for me to have something that looks cool, it's not a requirement. Here are my ideas thus far:

1. Lincoln Towncar
2. Hyundai Equus
3. Ford Fusion
4. GMC Terrain
5. Chrysler 300

1. The Crown Vic's far more luxurious cousin, the Lincoln Towncar seems like a decent option. From my brief research on Autotrader, it appears I can buy one that is about a decade old with 50-60k miles for under $8k at which point I could in theory buy two every freakin year and almost break even. If I lose an engine on the highway, just go rent a car for a few days and buy another. A strange way to think about this but since they are used so extensively as fleet vehicles, I assume that it's proof that they are reliable with heavy mileage. I've been in the back of a lot of towncars but never driven one, I'm sure they are a boat, but that's to be expected and I've always driven big cars.

2. Hyundai Equus: I sat in one of these at a car show and was blown away by the fit, finish and how comfortable it is. I'm a bit of a geek and so I would love all the toys that would come in it. This would probably be the most expensive of my options but seeing cars that were originally sold for around $60k selling reliably for around $30-35k because the used luxury Hyundai market doesn't seem that great. I would hope to keep the 10 year/100k mile warranty to cover any major powertrain issues for the two/three years until I get up to 100k miles.

3. Ford Fusion: I've rented these a couple of times including for some longer trips and I generally liked them. Good size, decent look, decent mileage, I'd probably attempt to buy a used one under $10k and then drive it till the wheels fell off hoping to pocket as much mileage cash as possible. That being said, I'm not sure that the Fusion would have any advantage over an Impala/Accord/etc. and I should just take the lowest mileage vehicle that passes inspection and buy in cash.

4. GMC Terrain: I rented one of these for two weeks and liked how it drove, decent gas mileage and plenty of space for people and stuff. Generally I would be hauling around nothing but air but occasionally I could see wanting a car full of people and a load of stuff in the back. The big concern that has almost made me drop this from my list is that I've read about a lot of problems with the engines on these vehicles and they are still a bit too expensive to want to risk having to replace an engine in the middle of a long work trip between cities.

5. Chrysler 300: What I really like about these is that they are huge and the nicer trim packages really feel like a decent luxury vehicle. That being said, the gas tanks are massive and it kind of hurts to fill them up. I generally like the look of these vehicles though every one I've driven/ridden in seems exceptionally behind the times in terms of infotainment and car audio.

While the most obvious FWF answer is a civic or something that I can put 100k miles in 3-4 years on and do no work but oil changes, I want something large, that I'll enjoy driving and can take tons of highway mileage and a luxurious interior would help keep me comfortable on weekly 2-3 day car trips. While a luxury car would be preferable, I don't have any requirement that I have a certain vehicle that will impress clients. So FWF, what kind of car would you buy if you were 6'6" and needed to drive more in a year than most people do in 3 years?
PNY 4GB Class 4 SDHC SD Card $2.99 Shipped at Best Buy
Added on : Monday December 30th 2013 03:00:07 PM
g: 3 Posted By: scottxmso
Views: 322 Replies: 3 linky

Best Buy has a PNY 4GB SDHC memory card on clearance for $2.99 + tax shipped. (Sold and shipped by BB themselves, not a marketplace vendor.) It's a Class 4 card, which is a bit slower than newer SD cards these days, but can still be very usable. The card has a lifetime warranty, but beware that PNY has been known to define the end of a product's "lifetime" as when it's discontinued. Not really worth RMAing at this price anyway.

Shipping is apparently free regardless of your order amount, even though it says "orders over $25". You pay local sales tax, so for a lot of folks it'd be $3 + change. In-store pickup is also free, but they're unavailable at every store near me (in the DC area; I'd guess it's the same elsewhere). Ship-to-store is available for free though.

Indeed it's relatively slow and small by today's standards. But if you just need a basic and cheap SDHC card, it's hard to beat $2.99. About everything else is $5-6 or more. Be aware that this is a SDHC card (like nearly all 4GB+ SD cards), which don't work with some older SD devices. If your device was made around 2007 or earlier, I'd check the specs and make sure that it supports SDHC cards.

As for myself, I bought one yesterday and BB shipped it today. I had to get a new SD card for a Raspberry Pi board that won't need much space, so this seems like a good fit. Hopefully it will work well.

Enjoy!
SD & SDHC Deals

Best Buy Coupons
Seeking advice possible elder abuse in CA
Added on : Monday December 30th 2013 12:00:06 PM
g: 0 Posted By: shinobi1
Views: 0 Replies: 0 I live in an eastern state and know nothing whatsoever of California law. I have two close relatives living in a California city. They are up there in age, both approaching 90. Neither relative is in great shape, one with mental lapses and the other with severe physical problems. I have reason to believe their child is stealing money from them, and I'm taking about hundreds of thousands of dollars. Payments to this child are demanded to be in cash, I assume to avoid easy tracing and to avoid the paper trail a check would leave. My relatives are frightened to deny these payments because that same child is their sole caregiver, a person upon whom they today completely rely.

I would be grateful if someone here with knowledge of California could tell me which CA entity to contact. Would it be the District Attorney in the city of my relatives' residence? Would it possibly be some sort of Social Services entity? Is there in CA an authority which concerns itself specifically with elder abuse? I am very much at a loss as to the proper next step. Nothing like this has ever happened before in my family, least of all so far away. I will appreciate any suggestions from persons with knowledge of how best to address this sort of thing when the victims live in California.

Finally, if I could obtain the name of my relatives' bank, from which substantial cash withdrawals are being made, would a call to them do any good?
Blue Cash (5% after $6500 spend) Still Available
Added on : Monday December 30th 2013 08:00:07 AM
g: 0 Posted By: dvaught
Views: 85 Replies: 2 Hey everyone. I happened to be reading through a post on myFico and someone mentioned that the Blue Cash (old version) is still available to be applied for. Since I already have a few Amex cards, including the Blue Cash Preferred, I decided to call to see if they would let me switch. Much to my delight, the rep had no trouble switching me to the Blue Cash.

I don't think I have to tell you why this is a big deal.

If you're having trouble finding it on the site, try opening this link in incognito mode in Chrome.https://www304.americanexpress.com/credit-card/blue-cash/

Good luck!
Credit Deals
g: 26 Posted By: HISHAMNOMAN
Views: 3824 Replies: 28 This is my first post so I hope you take it easy on me

McDonalds has a new app and in my area and there are couple of deals that I think are worth mentioning... one is a "FREE large sandwich with any purchase" - Exp 01/19/14(~$5-$7 in value) and the second not as hot"FREE medium fry and drink with a any premium McWrap" Exp 12/29/14(~$3-$4 in value)

The way the offers on the app work is you mention the offer before you order and when you are about to pay the cashier should ask you to click redeem on your app (but many don't) then a 2 min counter starts to use offer, basically a way for the cashier to know its has been used.
The flaw... when they released this app they must have forgotten to keep track of which device/user has already used the offer, so basically you have the two offers above for as much as you desire to eat McDonalds as long as you keep deleting the app after an offer has been redeemed
based on map in the link below that could be $$$ saved if you are a McDonalds fan
http://images.huffingtonpost.com/2011-11-09-mcsparenesness0909.jpg

Also keep in mind a fix for this after this flaw is discovered might prompt McDonalds app developers to update the app, simply pass on the update and you should continue to enjoy these offers.

for investors out there short McDonalds for this period

Restaurants & Entertainment Deals
g: 0 Posted By: Qacer
Views: 108 Replies: 3 I've had a retirement account since 2008. Of the salary sum throughout the years, what percentage of this sum should ideally be in my retirement account now?

A colleague said that if my retirement fund balance increase by 7% at the end of the year, then that's average. Does that mean that using the sum of my contributions to retirement from 2008 to 2013 plus 7% of this sum value as a baseline is a decent indicator of whether my retirement investments are performing okay?


Personal Finance Deals
g: 0 Posted By: EatenByGrue
Views: 182 Replies: 4 I am curious if, given my situation, there may be more options open to me than an average first-time home buyer.

- I'm 40 years old, never owned a home, am debt free, and I live in the Silicon Valley of the San Francisco Bay Area.
- I have $150k+ in cash, $2.2M+ in non-retirement investment accounts, and $600k+ in retirement investment accounts (401ks, Rollovers, SEPs, and a Roth).
- My three FICO credit scores are all over 800.

I recently attempted to buy a first home -- my offer was not accepted, but I did have my "eyes opened" (partially) to the process of getting a mortgage by going through a rigorous (some might say proctological) pre-approval process.

I'm still trying to wrap my head around a mortgage's "closing costs" (in my case it was $16k+ for a $625k conforming-for-high-cost-area 30 year fixed loan. I was planning to put 25% down on an $850k house).

A few of the closing cost charges seem reasonable, but things like "loan origination fees" for processing paperwork seem excessive to me.

My mainreason for "borrowing" instead of "paying cash" is to take advantage of the "home mortgage interest deduction" to reduce my annual taxable income. A close second reason for not wanting to pay cash is to avoid creating taxable events by selling $500k+ worth of stock (I rarely sell stocks or funds, I tend to only buy them... So I'd have to sell a lot more to pay capital gains). Lastly, "Opportunity cost" doesn't mean much to me (but I'd take advantage of it for money not tied up in a house).

As I see it, I'm offering to borrow money from a company at 4+% -- seems like a good deal for them. I'm willing to "secure" that loan by using the rest of my nest egg.

If possible, I'd like to avoid paying for "the privilege" of loaning "a great credit risk" like me money. Am I being out-of-touch and unrealistic here?

I've heard of "no closing cost mortgages" where the lender eats their costs to maintain a relationship with the borrower. How do I go about developing one of these relationships?




Real Estate Deals
Pay off mortgage $375k left
Added on : Sunday December 29th 2013 10:00:06 AM
g: 0 Posted By: vistaluck
Views: 168 Replies: 2 Hi there
Im hoping to get some real and confirmed info on how to do this legally? I got $375k left mortgage left with Bank of America. I got rich relatives who can help me pay if off or at least pay like 150k next year and another 150k 2015 and the rest in 2016. How can they do this for me? My first thought would be this - have them write a check directly to Bank of America with my mortgage account # and the home address on the check. Say here you go Bank of America 150k. I think this is probably the best because it doesn't even go through me. However, I just don't know if there is any limit on how much can a relative pay for your mortgage each year. They don't mind paying 200k. And how will I file tax for that? Or I don't even need to file any tax for it? And will this affect my relative. Do they need to file tax for it?

I'm sure a lot of people know this method. Each person can donate $14000 to me each year and those are tax free gift. But thats the max they can donate each year. So I guess I can have like 10 relative and friends donate $14000 to me and Ill pay Bank of America immediately after I got it. Or I can just have them write a check to Bank of America directly just like the above method. This method is for sure works and its tax free for both of the gifter and me.
General Economics Deals
How much was your electric bill last month?
Added on : Sunday December 29th 2013 09:00:06 AM
g: 0 Posted By: wtfu
Views: 0 Replies: 0 I love watching Christmas light when I am driving. Just want to find out how much are you guys paying for the electric company.
I was billed $111 last month mostly from having my heater running at night.

How much were you billed? How are you going to cut back on your electric usage?
Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do not insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.

So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2013? Did the poor (but allegedly improving) economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:

Gender: Male

Age: 41

Location: Northern NJ

Occupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)

Education: M.A., plus 33 additional credits

2013 Compensation: $101,600 - Pretty much base pay. Not too much extra $$$ this year.

Future Salary Projection: Not too much further to go from here in my current position. Salary will go up maybe $3000 next year. Then, it might go up $1700 or $1800 per year.

Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits). While teachers still get tenure in most states, the protections afforded by tenure have been significantly weakened in many states, including NJ.

What's the job like?

Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).

Revision of tenure laws and new evaluation systems have made a very difficult job even more difficult.

Would you recommend the career to others?

Every year, my recommendation for entering education has become a little less enthusiastic. At this point, I have to say that I can't recommend education as a career, at least until things change significantly. The public employee bashing in the U.S. is still strong, with teachers still at the top of the "Bash List", and it doesn't look like attitudes are going to change anytime soon.

The weakened tenure laws and new evaluation systems have exacerbated an already tough situation. IMHO, these changes aren't meant to improve educators. They're meant to enrich private corporations (the testing and evaluation companies are making gobs of money off the schools), and to make it easier to weed out older, higher paid teachers (like me).

This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.

If you still want to go into education, be prepared for a very tough road ahead.
Discussion Deals
g: 2 Posted By: HISHAMNOMAN
Views: 726 Replies: 8 This is my first post so I hope you take it easy on me

McDonalds has a new app and in my area and there are couple of deals that I think are worth mentioning... one is a "FREE large sandwich with any purchase" - Exp 01/19/14(~$5-$7 in value) and the second not as hot"FREE medium fry and drink with a any premium McWrap" Exp 12/29/14(~$3-$4 in value)

The way the offers on the app work is you mention the offer before you order and when you are about to pay the cashier should ask you to click redeem on your app (but many don't) then a 2 min counter starts to use offer, basically a way for the cashier to know its has been used.
The flaw... when they released this app they must have forgotten to keep track of which device/user has already used the offer, so basically you have the two offers above for as much as you desire to eat McDonalds as long as you keep deleting the app after an offer has been redeemed

based on map in the link below that could be $$$ saved if you are a McDonalds fan
http://images.huffingtonpost.com/2011-11-09-mcsparenesness0909.jpg

Also keep in mind a fix for this after this flaw is discovered might prompt McDonalds app developers to update the app, simply pass on the update and you should continue to enjoy these offers.

for investors out there short McDonalds for this period

Restaurants & Entertainment Deals
2 Nutribullets for the price of 1 plus shipping at Nutribullet website
Added on : Saturday December 28th 2013 06:00:05 PM
g: 0 Posted By: DaysFan
Views: 220 Replies: 0 https://www.freenutribullet.com

http://www.freenutribullet.com/

$160.00

If you missed the Kohls deal try this

http://www.freenutribullet.com/themes/73/images/indexMiddle.jpg

http://www.freenutribullet.com/themes/73/images/sidebar.png

make one payment of $119.99 plus $19.95 S&P*
(plus an additional $19.95 S&P for the free 2nd NutriBullet system)

OR

to make 6 easy payments of $19.99 plus $19.95 S&P*
(plus an additional $19.95 S&P for the free 2nd NutriBullet system)


customer service is available Monday through Sunday from 9am to 8pm, Eastern Time by phone at 1-855-34-NUTRI (1-855-346-8874)

included:The extractor blade The unique design of the all-new Extractor Blade, when combined with the Magic Bullet exclusive Cyclonic Action, generates the power to break through tough seeds, thick stems and tough skin to access the hidden nutrition inside. The blade is made of stainless steel and never needs sharpening.
The milling bladeThe Flat Blade is ideal for milling grains, grinding fresh herbs and chopping nuts. The blade is made of stainless steel and never needs sharpening.


The power baseThe Power Base is the heart of the NUTRIBULLET. Simply plug in the NUTRIBULLET, place the Tall Cup onto the powerful 600 WATT, High-Torque Power Base and press. No buttons to press, no complicated manuals to read. It doesnt get any easier!


The tall cupThe extra large Tall Cup is the main cup used for emulsifying and creating the healthy and nutritious life boosting NUTRIBLASTS to add years to your life!


1 short cup and 1 handled comfort lip ringThis self-blending Short Cup is perfect for making single serving NUTRIBLASTS. Make and drink right in the same cup! It even comes with a handled Comfort Lip Ring to make drinks easier to hold.

1 handled short cup and 1 comfort lip ringJust like the standard Short Cup, with this Handled Short Cup, you can make and enjoy healthy drinks right in the same cup! It comes with a Comfort Lip Ring to make drinks easier to enjoy.

2 Stay fresh resealable lidsNo plastic wrap or storage containers are needed to keep your drinks fresh. Your NUTRIBULLET comes with two Stay-Fresh, Re-sealable Lids that fit right on to the Short and Tall Cups. Great for taking your NUTRIBLASTS on the go!
1 User guide and recipe bookThe user guide and recipe book is full of delicious and nutritious life boosting recipes that will rejuvenate your body and make you feel better. Plus, it also includes the NUTRIBULLET 6-Week Transformation Plan that will have you feeling YEARS younger in just weeks.

1 pocket nutritionistThe "magic" behind the NUTRIBULLET System starts with your handy in-store companion, the "Pocket Nutritionist" which teaches:

Which foods should be organic
How to choose a well rounded weekly menu
How to select the freshest produce
Exactly how much produce to buy
The health benefits associated with the foods you choose
And more!

Appliance Deals
Onlne Sales Tax WAY off
Added on : Saturday December 28th 2013 11:00:07 AM
g: 0 Posted By: dejanu
Views: 46 Replies: 0 I recently went to buy Prilosec OTC online. Walgreens.com was going to charge tax which amounted to 2.25%, which is exactly correct for OTC drugs in my part of Illinois. But drugstore.com -- which is ironically owned by Walgreens, and will even ship your order to a Walgreens store -- was going to charge tax which amounted to 7.7%. Why the huge discrepancy -- let alone *any* discrepancy? So I began experimenting with various other OTC drugs. All four digestive aids I looked followed the pattern just described. But for various other OTC drug products, drugstore.com was going to charge anywhere from 1% (low?!) to 10% tax, while Walgreens.com was *always* exactly 2.25%., as it should be.

Then I took a look at Prilosec OTC at WalMart.com. The tax worked out to an amount which was exactly 9% of the product price + shipping (the site specifically states they may charge tax on shipping). I'm guessing it's no coincidence that 9% is the general merchandise sales tax rate where I live. But when I buy this at a local WalMart I am charged only 2.25% tax since it is an OTC drug, so why should I be paying WalMart.com 9%?

Any idea on what's going on here? It's not discrepancies per se that concern me (I am sure there are various nuances, and obscure regulatory points that can figure in), but rather the fact that the discrepancies are so large. As much as I dislike paying sales tax on online orders I can see the rationale for requiring it, and have grudgingly supported the legislation to charge sales tax on online orders. But with these kinds of oddities that can make the taxes charged appear way out of whack (purposeful or due to persistent errors), I am re-evaluating that stance.

I would advise anyone to closely check their taxes on online orders from sites that charge tax.
Tax Deals
car loan strategy
Added on : Saturday December 28th 2013 08:00:07 AM
g: 0 Posted By: cameron2003
Views: 86 Replies: 3 I have a $40,000 car loan at 2% over 7 years. Its a simple interest loan. I know I can pay bi-weekly and save money, but that is partially (or maybe mostly) because I am paying more annually.

I am interested in saving money on interest payments, while at the same time not increasing my annual outlays to my lender.

I know it must save on interest just to split the monthly due down the middle and paytwice a month (not bi-weekly) since interest is compounded daily. Or even do the same thing 4 times a month (if my lender can stand it).

I cannot find a calculator or any source to help me figure out what the savings would be, or if there was another strategy that was better and basically did not cost extra, or cost much. Adding $20 to my monthly payment is another way to do it on the cheap.

Anyone ever do this?



Personal Finance Deals
Any ideas to exit a naked option position early?
Added on : Saturday December 28th 2013 06:00:05 AM
g: 0 Posted By: spiffyjwc
Views: 83 Replies: 2 I bought a naked call position for a january 2014 strike that is now out of the money and without buyers. As it was essentially a lotto ticket, I'm not bothered much by the loss, except I'd like to find a way to eat this loss now to offset my 2013 gains as opposed to 2014. My broker wont do a discard of worthless securities for the option, so i was wondering if anyone had any other ideas to liquidate this instead of waiting for it to expire?
Discussion Deals
g: 1 Posted By: Chewy
Views: 363 Replies: 2 Huge Ubisoft Holiday Sale going on right now. Many games are $4.50 (some lower; some higher). Use code 10thanks (must use lowercase) to get extra 10% off. I don't know how much longer the sale will be going on.... get it while it lasts folks.

Fall Out GOTY $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Fall Out New Vegas $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Dungeons: Gold Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Jagged Alliance Back in Action: Collectors Bundle $10.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 3 Gold Edition $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Collectors Bundle $10.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Apocalypse (requires the base game to play) $1.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Propaganda! (requires the base game to play) $1.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

WRC 3: FIA World Rally Championship $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

The Walking Dead $6.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

The Walking Dead: 400 Days $1.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Batman Arkham Asylum Game of the Year Edition $5
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Batman Arkham City Game of the Year Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. First Encounter Assault Recon $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. 2: Project Origin $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. 3 $5
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassin's Creed 2 Deluxe Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Brotherhood $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Brotherhood Deluxe Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassin's Creed Director's Cut Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Revelations Gold Edition
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Call of Juarez: Bound in Blood $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia The Forgotten Sands $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia: The Sands of Time $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia The Two Thrones $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia Warrior Within $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's EndWar $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...


Tom Clancy's Ghost Recon Advanced Warfighter $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Ghost Recon Advanced Warfighter 2 $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancys H.A.W.X. $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancys H.A.W.X. 2 Deluxe Edition $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Chaos Theory $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Conviction Deluxe Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Conviction Insurgency Pack $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Double Agent $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

All price shown are before 10% discount. Some games require activation through Ubiplay - while some do not. You can actually activate through Steam - it just depends on the game title.
Check on Steam here. http://support.steampowered.com/kb_article.php?ref=7480-WUSF-360...
Video Games Deals
g: 0 Posted By: Chewy
Views: 185 Replies: 0 Huge Ubisoft Holiday Sale going on right now. Many games are $4.50 (some lower; some higher). Use code 10thanks (must use lowercase) to get extra 10% off. I don't know how much longer the sale will be going on.... get it while it lasts folks.

Fall Out GOTY $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Fall Out New Vegas $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Dungeons: Gold Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Jagged Alliance Back in Action: Collectors Bundle $10.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 3 Gold Edition $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Collectors Bundle $10.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Apocalypse (requires the base game to play) $1.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tropico 4: Propaganda! (requires the base game to play) $1.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

WRC 3: FIA World Rally Championship $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

The Walking Dead $6.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

The Walking Dead: 400 Days $1.25
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Batman Arkham Asylum Game of the Year Edition $5
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Batman Arkham City Game of the Year Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. First Encounter Assault Recon $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. 2: Project Origin $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

F.E.A.R. 3 $5
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassin's Creed 2 Deluxe Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Brotherhood $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Brotherhood Deluxe Edition $7.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassin's Creed Director's Cut Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Assassins Creed Revelations Gold Edition
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Call of Juarez: Bound in Blood $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia The Forgotten Sands $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia: The Sands of Time $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia The Two Thrones $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Prince of Persia Warrior Within $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's EndWar $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...


Tom Clancy's Ghost Recon Advanced Warfighter $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Ghost Recon Advanced Warfighter 2 $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancys H.A.W.X. $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancys H.A.W.X. 2 Deluxe Edition $3.75
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Chaos Theory $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Conviction Deluxe Edition $5.00
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Conviction Insurgency Pack $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

Tom Clancy's Splinter Cell Double Agent $2.50
http://shop.ubi.com/store/ubina/en_US/pd/ThemeID.8605600/product...

All price shown are before 10% discount. Some games require activation through Ubiplay - while some do not. You can actually activate through Steam - it just depends on the game title.
Check on Steam here. http://support.steampowered.com/kb_article.php?ref=7480-WUSF-360...
Video Games Deals
[Costco] Indoor Wireless Remote Control by Superswitch $9.99+Tax
Added on : Thursday December 26th 2013 11:00:04 AM
g: 0 Posted By: darkxkiller
Views: 365 Replies: 0 The Costco in Connecticut (06460 zipcode) are having light sale that includes lightbulbs and various other goodies:

http://www.amazon.com/Switch-Indoor-Wireless-Remote-Control/dp/B...found on Amazon was only $9.99 at local Costco.

this is much cheaper compared tohttp://www.amazon.com/gp/product/B00FAII824/ref=ox_sc_sfl_title_...($19.99)

Purchased a 5 pack lightbulb for $1.99, $3 off.


Electronics Deals
how much to pay for ceiling fan installation?
Added on : Thursday December 26th 2013 09:00:07 AM
g: 0 Posted By: fatwallet21
Views: 84 Replies: 4 I got a quote from Elcon Electric for $130 for first hour and then $100 for every hour after that. They said one hour is good enough though for installing the fan. We already have a fan in place right now; we need to replace it with the new one. How much should I consider budgeting for this type of work.
Personal Finance Deals
HELOC for new construction??
Added on : Thursday December 26th 2013 06:00:08 AM
g: 0 Posted By: palongee1
Views: 47 Replies: 0 Hi everyone, ive searched hi and low for some answers pertaining to my situation and so far have found little help, hopefully someone here can give me some direction, here goes
I own a property outright, several acres zoned agricultural. The property was appraised for 500k in 2009.The property has a old home and outbuildings (barns, shops, etc) The old home was built in the 1880's whichwas apparent once I started taking a hard look at the structure underneath the home.From the exterior and interior it looks fine. My original plan was a complete rennovation but the costs are so excessive that im leaning toward building new on the same parcel then removing the old house once the new home is finished. I have looked into a construction loan which requires a contractor and a pretty shorttimline. I have access to all the sub contractors I would need to contract the build myself as well as doing some of the work myself. My concerrns are if I were approved for a heloc and built the new house then removed the old house could I potentially be in a trouble with the bank? The new home would obviously be bigger and worth much more then the existing structure, im just concerned that I could be insome kind of violation of the loan?My reasons for wanting to build this way are 1, I dont want to pay a contractor to do what I can do. Also,my definition of "good enough" is much different then what some of these contractors ideas are. 2, I dont want to be on a stringent timeline to complete the build, I have certain guys I would like to use for certain subs as well as I would like to do some of the work on my own. My biggest issue is financing. Im looking to use some cash but id need to borrow appx 165k to get the project done. Its a unique situation i know, any help anyone could give me would be much appreciated! Thanks for your time! Mike
Personal Finance Deals
got stuck in the middle of auction.com terms.. experts rescue pls
Added on : Thursday December 26th 2013 02:00:07 AM
g: 0 Posted By: froster
Views: 24 Replies: 1 At first my knowledge level real estate:

Understanding on foreclosure - medium
understanding on auctions - low or nill

we are in the market for our first house and recently found a house which is incredible for our taste, but by the time we give an offer (same day though), the house went to auction.com listing

later in the process we were informed about inspection process to be done prior to the bidding, but since we didn't have good faith in auction process we did not want to proceed and hence did not do the inspection. But the day auction started we could not resist our self and proceed for the bidding (yeah we liked house that much)..Finally the sale was closed with Subject to bank approval leaving us winner of the house

NOW, I am started getting tensed & sleepless .. do we have any right to ask for the inspection now? if bank approves then are we binded with them to proceed with the purchase WITHOUT having the option of inspection done.. pls help understanding out rights here .. or we completely stuck with no-confidence purchase

thanks in advance

Question Deals
Amazon Trade-in: Pentax K100D [Body-only] Up to $174
Added on : Wednesday December 25th 2013 09:00:02 PM
g: 0 Posted By: YuGiOh
Views: 4 Replies: 0 Hi,

Amazon trade-in currently has offer for the Pentax K100D DSLR (body only) for $174 (Like New) or $147.90 (Good).
The camera is a few years old and at this price, it is MUCH higher than market price. If you have one laying around, now would be a good time to cash it in and upgrade to more current offerings from Pentax.

Trade-in Link
g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

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

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

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

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

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

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

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

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

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

Encryption

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

Digital backup

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

Physical records

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

Email

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

Swipes

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

Online CC

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

Other access restriction*

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

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

Aggregators

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

Monitoring

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

RFID enabled devices/documents

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

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

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


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
g: 1 Posted By: ArtieLange
Views: 295 Replies: 0 Newegghas the Intel 530 Series 180GB Internal SATAIII 6Gbps Solid State Drive w/ 5yr Warranty (SSDSC2BW180A4K5) for a rebate-free $119.99 Free Shipping.

These feature the new 20nm MLC flash, uses the SandForce SF-2281 controller, and includes a 5-year warranty. Up to 540MB/s read, 490MB/s write and 4K random write 49,000 IOPS. Intel SSDs are known for their reliability and much longer than normal warranties.

http://www.newegg.com/Product/Product.aspx?Item=N82E16820167174&

Heck I'll even throw in an Iron Egg Price Guarantee.
SSD Deals

Newegg Coupons
Adult dependents. Which is cheaper under Obamacare?
Added on : Monday December 23rd 2013 05:00:06 PM
g: -1 Posted By: youngchemist2003
Views: 164 Replies: 2 Hi folks, not sure who to best ask, but I thought the finance forum is probably a good place to start.

My wife and I are both citizens, have 2 kids under 3. Her parents immigrated from Asia (greencard holders) to live with us, don't speak english, no income, takes care of the kids while we both work full time. We make too much money to qualify for subsidies under ACA. Currently we are paying ~$500/month for catastrophic insurance coverage for her parents.

I am wondering if I can refuse to claim her parents as dependent, have them file as a couple with $0 income. Would that qualify them for heavily subsidized insurance? Would that qualify them for medicaid? I will lose 2 deductions from claiming them as dependents, but I am guessing it would be a net saving if they qualify for almost free health care. Am I off on that?

Any advise and input would be awesome. Thanks in advance.

Question Deals
Sears 50' High Pressure Washer Hose $19.00
Added on : Monday December 23rd 2013 02:00:06 PM
g: 0 Posted By: bulldogsrruff
Views: 142 Replies: 0 At my Sears today they had several Briggs & Stratton 50 ft. Hoses for Pressure Washer (3/8" Diameter) marked down from $71 to $19. 4000# PSI. I am so tempted to get an extra one, but I really do not do that much washing. Appears to be B&M only, and I am not sure if it is just my Sears here in Silver Spring, Md.
Tools Deals

Sears Coupons
g: 0 Posted By: cobenhu
Views: 0 Replies: 0 I was searching for a Tivo Roamio/Tivo Mini @ ABT.com and clicked chat online to initiate a chat session. I offered $330 for Roamio and $80 for the Mini. The Rep countered with $339 Roamio and $83 for Mini. No tax and free shipping came out to $422. Much cheaper than anywhere else. YMMV

With an MSO discount, lifetime service is $100 cheaper than new customers.
This storage drive lets you save your important documents and files and also a