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g: 0 Posted By: remick
Views: 214 Replies: 0 http://www.amazon.com/gp/coupon/buy-any-vaseline-lotion-men-or-w...

Prime Pantry is a new shopping experience on Amazon.com. Prime members can shop popular household essentials and have them conveniently delivered.

Adding your first Prime Pantry item to Cart starts a Prime Pantry box. As you shop, you see that each Pantry item tells you what percentage of a Pantry box it fills based on its size and weight. Pantry boxes are large and can hold up to 45 pounds or four cubic feet of household products. As you check items off your list, we continuously track and show you how full your box is.

You can buy as much or as little as you want for a flat $5.99 delivery fee per Prime Pantry box. Save gas, save money, save time.
Hair & Skincare Deals

Amazon Coupons
$32 Mainstays 6' Centerfold Table, Multiple Colors Walmart.com rollback
Added on : Saturday November 22nd 2014 04:00:02 AM
g: 0 Posted By: DaysFan
Views: 9 Replies: 0 You never have too much space...we wish...
http://www.walmart.comMainstays 6' Centerfold Table, Multiple Colors
item# #: 552222403
$32.00




Was: $38.88


FREE shipping available on $50 + orders


About this item



The Mainstays 6' Folding Table is constructed with a heavy-duty steel frame and double-sided metal support rails for maximum stability. Rubber capped feet are included to prevent damage to the floor. This white folding table has a durable, waterproof plastic top that makes clean-up simple and quick. It is a smart choice for indoor or outdoor use. Setting up and putting away this centerfold table is easy because it folds in half and has legs that tuck and hide away for space saving-storage. It also features a convenient, sturdy carrying handle and a closing latch that locks the table in place for easy transport. This Mainstays 6' folding table provides ample space that easily accommodates up to eight people comfortably. The versatile design is user-friendly and will complement any setting.

Mainstays 6' Centerfold Table:
Compact folding design for convenient storing
Sturdy frame
Easy-clean top
Handle for easy carrying on underside of table
White folding table is lightweight
Rectangular centerfold table requires no assembly
WalMart warranty applies
Dimensions: 37.76"L x 29.49"W x 3.50"H
Model# 14678BLK1W
Finding the latest markets for flipping items
Added on : Saturday November 22nd 2014 03:00:06 AM
g: 0 Posted By: mastroadam
Views: 531 Replies: 2 I've notice craigslist has been dying within the past year, more scammers and lowballers. Locally in eastern NC I've had success in the local yard sale pages on Facebook and dedicated websites (military). I never saw much activity on backpage, I think its used more for escorts. I get a lot of business on eBay, and sometimessnipe customers but it doesn't work for heavy items that I don't want to ship. One trick I've learned with craigslist is to post the same ad in all the surrounding locations for $1000+ items, gets more inquiries. What other markets do you use?
Discussion Deals
g: 2 Posted By: remick
Views: 336 Replies: 1 http://www.amazon.com/gp/product/B00NGHEIRU

This series is a new and highly exciting method that demonstrates the ease of understanding mathematics in hours instead of years (or never). The tone is very conversational and makes for an addictive read. Featuring new and easier ways to tackle all mathematics problem upto (and exceeding) UK - GCSE standard, this course is a great investment in your learning and future.

The course also comes with YouTube instructional videos which are available on the author's YouTube channel. These short - under a minute - videos demonstrate the methods in real time, making the book even easier to understand.



also free

Picture It! Basic Math to Make More Money
http://www.amazon.com/gp/product/B00JGF05BE/

The number gang wants to help you succeed in math and in life. They explain math terms related to fractions/division with a picture memory aid and offer practice identifying numerator and denominator as well as reviewing multiplication facts through solving fractional puzzles. Rhyming clues used in other Picture It! ebooks are provided as memory joggers for the answers.

Mental math practice with multiples and factoring is included and the concept of prime numbers is introduced. This Picture It! ebook reinforces your knowledge of multiplication facts through the mental math puzzles while helping you to understand the concept of x as a variable. If youd rather eat liver than do math, this ebook might change your mind.



Math Shorts - Derivatives
http://www.amazon.com/gp/product/B00N6XELYE/

The rich and exciting field of calculus begins with the study of derivatives. This book is a practical introduction to derivatives, filled with down-to-earth explanations, detailed examples and lots of exercises (solutions included). It takes you from the basic functions all the way to advanced differentiation rules and proofs. Check out the sample for the table of contents and a taste of the action. From the author of "Mathematical Shenanigans", "Great Formulas Explained" and the "Math Shorts" series. A free supplement to this book is available under the title "Exercises to Math Shorts - Derivatives". It contains 28 additional exercises including detailed solutions.

Note: Except for the very basics of algebra, no prior knowledge is required to enjoy this book.



19 High-Impact Study Hacks: Learn the Techniques Top Students Use To Get Amazing Grades & Cut Study Time in Half
http://www.amazon.com/gp/product/B00PSZGDWQ/

In my years as a college instructor, there was one common theme in all of my classes: students didnt know how to study! Most people were just winging it.
It wasnt because they werent smart, talented people. They were. The problem was that in all of their years of school, no one had taken the time to teach them how to learn things efficiently.
I want to change that. Because heres a secret
If you study correctly, not only is it MUCH less work, but youll also get WAY better grades (and perhaps even have a bit of fun).

Take it from me
I have two bachelors degrees and a masters degree. While I was getting my masters degree, I had three jobs. And let me tell you something: if you have three jobs while youre getting a masters degree, you are virtually forced to come up with some study hacks or youll go insane!
I was also a college instructor for many years, and during that time, I was working as a professional tutor. All told, Ive coached hundreds and hundreds of students into better grades.
Now I want to teach you.




Books Deals

Amazon Coupons
g: 0 Posted By: rasheedb
Views: 96 Replies: 0 So, this promotion is in-store only and requires a manual price markdown at the register which may create a YMMV since it is not automated.

In October, Kohl's lowered the price to 169.99from 199.99 (the regular price listed is 249.99). You will likely see a big poster in the cookware section promoting this price drop. This is essentially the same price everywhere (Amazon, Bed Bath, Macys, etc.). Folks may have bought this previously with 30% and KC accrual offers, but the free pan has not been indicated otherwise until now.

About the cookware: This is the basic cookware set of Calphalon. The heavier stuff is much better, but this is a decent set if maintained properly. It does come with a 10 year warranty (keep your receipt!) and it cannot be put in the dishwasher or over (it has silicone on the handles). If you really can't handle the non-stick for the 10 piece set, get the stainless steel at a much higher price. If you buy cheaper brands historically, this is a chance to step-up if you can't get this otherwise (like a wedding registry).

You cannot get this deal online, and I have not been able to find a coupon code for the free piece.

First, you need to make sure the set you are buying is in-stock at the store (there are other like the ceramic sets that also qualify for this promotion, but I am focusing on the ad listed item):

Hard-Anodized NonstickThe FIND IN STORE option.

Then, you want to look for the free item to make sure it is in-stock at the same store. You cannot split your order.

Nonstick Covered All-Purpose PanThe FIND IN STORE option. When you are in the store, this item will have a big RED band on the packaging that says BONUS (this is part of the indication about how it is a free item with purchase).

Once you find a store with both items (even Limited Availability should be okay unless everyone in your area is trying to do the same deal), make sure you have your printable coupons (technically, on the phone is okay, but why risk it?):

-The 20% coupon (valid through 11/23)
-The $10 off $50 for Home (valid through 11/23)

Now, in order to get the covered pan marked down to zero, you will also need the information from the attached circular (see Quick Summary) which was sent out. The $180 requirement does say regular price not sale price (the cashier screen will say $249.99 regular price). No specific payment type should matter. Once they see the ad, they can mark the pan down to zero.

Make this deal go further by using Chase Freedom or Discover for an extra 5% (there is no Kohl's Card extra incentive as the 30% has expired for now). Also, you can get Y2Y points with no issue.

So, before points and credit card rewards, your receipt would be:

10 pc set: $159.99 ($169.99 - $10.00)
covered pan: $0.00
20% discount: -$32.00
Before tax: $127.99 for a 12 piece set of base Calphalon items.

The free pan makes the difference on this deal as it has a pre-coupon value of between $68 to $80.

Rasheed
Home & Garden Deals

Kohl's Coupons
g: 0 Posted By: Gauss44
Views: 39 Replies: 0 In short, Sallie Mae ruined my credit with a few inaccurate reports of 60 days late. Sallie Mae customer service has been telling me that they will fix the problem since September. I sent letters to the credit bureaus to dispute this twice. No results, errors still on reports. I am thinking about suing either Sallie Mae and/or the credit bureaus. I would appreciate any help with this. (No collection agency is involved.)

Detailed version is below, but probably not necessary.

The Problem: I pay Sallie Mae one monthly lump-sum payment that covers the monthly payment for all of the loans I have with them. This worked just fine for a couple years. Then a few months ago, a few of my Sallie Mae loans showed up on my credit report as being 30-60 days late, which they were not. Payments were made on time. Sallie Mae basically goofed and failed to update their system properly to reflect my payment.

What My Credit Report Says: Listed under, "Potentially Negative Accounts," my credit report inaccurately states that I was 60 and 30 days late on 4 Sallie Mae accounts in June and July. For August through the present, it reports a status of, "OK." The accounts currently say, "Paid as Agreed."

When I Contacted Sallie Mae: I contacted Sallie Mae several times over the phone. The majority of customer service personnel I've spoken with, supervisors included, do not understand credit reports. They say that since my credit report is currently showing, "paid as agreed," that there's no problem. So, I call back until I get someone who understands that 30-60 days late in June and July is a problem, and ask for help getting that inaccurate statement removed from my credit report. A couple times now (in September and again in October), Sallie Mae's customer service promised that my credit report would be corrected. They agreed that I have not missed any payments this year, and that I have paid the full amount due every single month. Sallie Mae's customer service says that they are not allowed to send me a letter confirming my payment.

Lack of Evidence Online and on Monthly Statement: Sallie Mae did not send me a monthly statement and no longer has statements available on their website (at all, for any month). On their website, they only provide an amount due and a payment history. The payment history they provide is a nightmare and difficult to make sense of. (Here's why: I pay $500 a month. On the payment history, you never see the figure, $500. Sallie Mae divides that number into smaller payments for each of my loans they service. You never see those numbers (payments toward each loan) either, because those smaller numbers are divided again into other categories like, amount toward principle, amount toward interest, etc. What actually appears on Sallie Mae's "Payment History" page is a never ending list of, "$8 to principle, $10 to principle, blah blah to principle, $4 to interest, $25 to interest, etc. You cannot tell which amounts apply to what loan or much of anything from that mess.) Then the credit bureaus all block out the last 2 digits of each student loan identification number, so it's impossible to tell which loan they are referring to. (I've just described the problem as, "I've never been late on any loan payment from Sallie Mae, please correct the entries that claim I was late in June and July of 2014."

Evidence I Have: I have copies of cancelled checks that show Sallie Mae did indeed receive $500 from me every single month this year. I've also kept copies of the last 2 letters I sent to the credit bureaus to dispute those entries.

Result: Despite all of this, my credit report has not been corrected. I am in the process of sending Sallie Mae a letter, but I am nowhere near sure that this will solve the problem.

(I think that I've finally read all the many threads about disputes with credit bureaus on here. While they were helpful, I did not see the answer to this particular issue. If I missed something, feel free to post a link.)


Credit Deals
Finding the latest markets for flipping
Added on : Friday November 21st 2014 03:00:10 PM
g: 0 Posted By: mastroadam
Views: 160 Replies: 0 I've notice craigslist has been dying within the past year, more scammers and lowballers. Locally in eastern NC I've had success in the local yard sale pages on Facebook and dedicated websites (military). I never saw much activity on backpage, I think its used more for escorts. I get a lot of business on eBay, and sometimessnipe customers but it doesn't work for heavy items that I don't want to ship. One trick I've learned with craigslist is to post the same ad in all the surrounding locations for $1000+ items, gets more inquiries. What other markets do you use?
Discussion Deals
Lego Mindstorms EV3 - $275 shipped to USA from Amazon UK
Added on : Friday November 21st 2014 03:00:09 PM
g: 0 Posted By: lonestarguy
Views: 245 Replies: 1 Amazon UK has LEGO Mindstorms EV3 for 204.99 GBP including VAT athttp://www.amazon.co.uk/LEGO-31313-Mindstorms-EV3/dp/B00BMKLVJ6

It says "This item can be delivered toUnited States".

Click "add to basket", then proceed to checkout. Log in with you normal Amazon account/password and pick your address. Then the price will drop to 170.83 GBP as the value added tax is removed.
Now pick standard shipping (6 to 10 business days)

Pick your form of payment. I recommend a card without foreign transaction charges, then proceed and you should get these prices

Order Summary
Items: GBP 170.83 Postage & Packing: GBP 4.95 Total before VAT: GBP 175.78 VAT: GBP 0.00 Order Total: GBP 175.78
You can pay in pounds and let your card convert it to dollars. Mine was $275 and some pennies after CapOne converted it to dollars. YMMV by your bank, type of card,or exchange rates,or you can pay in dollars via Amazon and let them convert it for $286.44.

I ordered mine this week. CapOne triggered a fraud alert as it was my first international purchase, online and a large amount. I approved it with them and then Amazon UK shipped it the next day by UPS. I'll get it in 4 business days from my order date.

This appears to be the same as the US version as far as I can tell. It runs on batteries so you don't need to worry about power differences, etc. Maybe the manual is in British English.....

The same item from Amazon in the US is $349.95. WalMart has it for the same but w/ a $35 gift card. I think this is the best price on this yet. FYI the same item at Amazon in France is 297 Euros or about $368. I have no idea why it is so much cheaper in the UK.

Enjoy!
Toys Deals

Amazon Coupons
office depot (max) ad for 11/23 is up: some items 50% off
Added on : Friday November 21st 2014 02:00:10 PM
g: 0 Posted By: VivYip
Views: 58 Replies: 0 the ad for Office Depot (max) for the week of 11/23 is up on the website


50% items
99.99 Canon PIXMA 524-666
Select HP Photo and Presentation Paper
29.99 Brother Personal Plain Paper Fax 768-320
14.99 Logitech K360 Wireless Keyboard 471-319
4.99 2XL Spoke Earbuds by Skullcandy
4.99 2XL Wage Headphones by Skullcandy
Targus Universal Kickstand Cases

It's not much, but just in case people are interesed in 50% off items...

links will be updated by end of the day and are for reference purposes only. Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

OfficeMax Coupons
Tax Lien on parent's house
Added on : Thursday November 20th 2014 04:00:09 PM
g: 0 Posted By: sliqx
Views: 130 Replies: 2 Hey guys, just had a general question. My parents are on social security with that as their only income. The house is pretty much their only asset, minus the two cars they drive. Dad's 66. Mom's 62. We received a "tax-lien certificate sale notice" in the mail today. My father hasn't been able to pay the property taxes since 2013. I'm a bit nervous as I'd hate for my parents to lose the house. Is there anything I can or should do? Are there any types of benefits for elderly who don't work?
Question Deals
Free Steam (Beta) Key for Brawlhalla
Added on : Thursday November 20th 2014 03:00:06 AM
g: 0 Posted By: remick
Views: 97 Replies: 0 http://www.steamgames.blue/home/m/27213295/article/2633919

A 2D platform fighter where the best of the baddest-ass warriors in history battle each other in an eternal tourney of champions for bragging rights, infinite Mead, and the pure pleasure of delivering a beatdown. Includes online 4 player free for all, team games, custom games, and local play options.

Here you can sign up for Beta:
http://www.brawlhalla.com/

Type in your E-Mail and click Sign up. You get a response E-Mail within seconds with following text: "Thank you very much for signing up for the Brawlhalla Closed Beta! We will be sending out invitations frequently." You will get your steam key in the next few days (i got it in 5hours)


Totally Free Deals
Rent current home out, buy a new home or rent a new home?
Added on : Wednesday November 19th 2014 11:00:08 AM
g: 0 Posted By: awebs
Views: 135 Replies: 3 I found a few threads on this, but none of them seemed to be in as complicated a situation as we are in so I'm starting a new one. (Sorry if it seems redundant.)

In 2006, we bought a very small condo for 356k (we owe about 320K on it now). Last month, a comparable unit in our complex sold for 253K so that is probably close to what our unit is worth. In other words, we are still very under water.Since we bought the home, we have had a child and are planning to have another soon so we are outgrowing the amount of space we have.The best solution we can come up with is to rent our place out and try to buy a new place. The mortgage is one of those crazy housing bubble specials so right now, the payment is very low due to the low interest rate. Our first mortgage is $635, the second is $110, $282 for HOA and about $210 for property taxes for a total of $1237. We think we can get somewhere between $1400 and $1550 per month in rent for it. So we would make a bit of profit.

We have no child care costs since we work opposing schedules. We are working on paying off all of our non-mortgage debt (when we are done, we will have no car loans and no credit card debt), and we will then move on to saving up a down payment for a new place. We are willing to move into a rental ourselves and rent our place out in order to establish rental history, if we need to.

The kind of house we are looking for in today's market is about 400K.

This is a common enough situation, now on to the complexities:

1-My father in law is a coborrower on the loan. We have always had enough income to pay the loan and we have good credit, but we were very young and didn't have a long enough employment history to qualify by ourselves back in 2006. He has never paid anything toward the loan. Short sale has never seemed like an option because we don't want to hurt my husband's parents. I wasn't sure if this situation would affect our ability to qualify for a mortgage on another home.

2- Our combined income is $91,000 per year. Part of that is from tips which my husband's employer does withhold taxes from and report to the IRS. I assume this would be okay since it's all documented, but wasn't sure since this is the only time I've ever heard of someone actually paying taxes on tips? If you don't count the tips, our income falls to $83,000. I've crunched the numbers and either way, I don't think a bank would say we could afford 2 mortgages without counting our rental income, unless I calculated incorrectly.

3- Since our current loan is whacky and could go up or down with the interest rate, would this count against us?

4- We don't qualify for any HARP goodies. Our loan is not backed by Fannie or Freddie and the mortgage servicer has rejected our request for modification since we can afford to pay and have never missed a payment.

I know lenders are strict now about rental income not counting. Is there any hope for us?

How much should we plan to save for a down payment?

How long would we have to rent our place out in order to convince them to count the rental income?

How much cash reserve (other than the down payment) would we have to have?

I'm not sure how long it will take for us to qualify or if the interest rates or home prices will still even be affordable by then...

Are there any other options we should consider?

We also thought about just renting a bigger place for ourselves, but the rental market in our area is really hot so rent would be higher than the mortgage payment would be which just kind of hurts...

Thanks in advance for your help!
New User Question Deals
g: 0 Posted By: ragingwookiee
Views: 97 Replies: 0 GMYLE 24W 4.8A Dual USB Port Compact Car Charger -- $6.98 + FS w/Prime at Amazon

Output 2.4A + 2.4A each port; Full speed charging for smartphones, tablets, and other 5V USB charging devices.
Charges two iPad (all gen) at full speed simultaneously.
Works with Apple, Android, Windows devices, including iPad (max speed), iPhone (max speed), iPod, HTC, Galaxy, Blackberry, MP3 Players, Digital Cameras, PDAs, Bluetooth devices and much more.
Compact and solid design / soft LED light to reduce distraction.
Input: DC 12-24V Power: 24W Output: 5V 2.4A + 2.4A (4.8A Total)

Batteries & Chargers Deals

Amazon Coupons
Cubetractor game at Humble Store only $1.49 (85% off)
Added on : Wednesday November 19th 2014 03:00:04 AM
g: 0 Posted By: IStillPickUpPennies
Views: 126 Replies: 0 Through roughly Nov. 21 at 8 AM Eastern time, indie PC game Cubetractor is marked down to only $1.49 (from $10) at the Humble Store:
Humble Store

This game won the Best Game award at Independent Games Festival China. It has some tower defense aspects to the game.

I've been downloading and trying some independent games over the past month, and so far Cubetractor is my favorite. It reminds me a bit of Crystal Mines II on the Atari Lynx, with action and strategy/puzzle aspects. I also love how the early levels slowly and surely help you to learn the mechanics of the game, much like a tutorial. I mostly got it for my kids to play, but then after installing it one night, I realized that I had been playing for nearly two hours! It would probably make a good Christmas gift, especially for anyone who likes action/puzzle type games.

Ludochip
review

The game is available as a DRM free download from your Humble login page.
Video Games Deals
g: 0 Posted By: tedhawkins
Views: 70 Replies: 0 The Learning Journey Techno Gears Marble Mania Accelerator 2.0 - 776247 $49.99 + $5 S/h

http://kids.woot.com/offers/techno-gears-marble-mania-accelerato...

Kids can use over 400 colorful pieces to create their own thrill ride with the Techno Gears Marble Mania Accelerator 2.0. The automatic marble launcher will propel marbles through the giant marble loop and into a series of twisting and turning roller coaster tracks accompanied by fun roller coaster sounds. The set includes multiple channels, 3-D connectors and structures, dual spiral lifters, flashing lights and much more

Watch marbles fly through a roller coaster of fun with this play set
Features a colorful, rollercoaster-themed track
The automatic marble launcher will propel marbles through the giant marble loop and into a series of twisting and turning roller coaster tracks accompanied by fun roller coaster sounds
This marble set offers hours of fun while simultaneously helping kids learn basic mechanics, large motor skills, and problem solving
Made of over 400 durable plastic pieces
Set includes multiple channels, 3-D connectors and structures, dual spiral lifters, flashing lights and much more
The interlocking tracks and pieces are compatible with other Techno Gears sets, so you can expand and customize your set (sold separately)
Flashing lights requires 2 button cell batteries (AG13 or LR44) (inlcuded)
Marble launcher requires 3 AA batteries (not included)
The Learning Journey Deals

woot! Coupons
Credit Card Bonus CashBack Rotating Categories 2015
Added on : Tuesday November 18th 2014 03:00:10 PM
g: 1 Posted By: NEDeals
Views: 161 Replies: 0 There are some changes to Discover's More, It quarterly categories for 2015, especially restaurants which are shifting to 2nd Quarter (possibly to compete with Chase. Hopefully Chase will have restaurant bonuses in a later quarter to extend for the fun for those with both Freedom & Discover.

It looks like Discover's rotating categories for 2014 will be very similar to 2013. I'm hoping that there won't be too much overlap between cards. Both the Discover and Freedom cards are now generally $1500 max spending per quarterly bonus category.

Discover Card
1st Quarter - Gas and Ground Transportation
2nd Quarter - Restaurants, Movie Theaters, Entertainment
3rd Quarter - Home Improvement
4th Quarter - Holiday Shopping

Chase Freedom Card (categories beyond 1st Qtr not officially announced until December)
1st Quarter - Grocery Stores, Starbucks, and Movie Theaters
2nd Quarter - TBA, may be Restaurants
3rd Quarter - TBA
4th Quarter - TBA

Citi Dividend
1st Quarter -
2nd Quarter -
3rd Quarter -
4th Quarter -

--
Discussion Deals
g: 0 Posted By: Jennifermiller447
Views: 206 Replies: 0 9 patio umbrella for both commercial and residential use - Shade table with 4 to 6 chairs, now only $59.99+ FS(usually $99)Click here: Amazon.com
Feature:
Opening Mechanism: Tilt and Crank, easy to open,close and tilt
Fabric: 250g/m2 polyester, much thicker than most other umbrellas on the market;
Color Fastness treated at EU Standard Grade 4, not easy to fade and PU Coated for Water repellent
Ribs:8 steel ribs for extra strength
Frame: Rust-free powder coated
Pole: Aluminum, rust-free powder coated in antique bronze color finish
Includes single wind vent for stability
g: 0 Posted By: sdora
Views: 109 Replies: 3 Hello, I have been in contact with my refinance officer and was pretty close to applying for a cash-out refinancing on my mortgage, but at the same time a leak broke out in my ceiling. My insurance will cover the leak and have been in contact with a roofer to replace my flat top roof. My question is should I continue withthe refinancing application and have my house appraised with a hole in my kitchen ceiling? I will most likely be signing a contract for my roof in the next few days, however they will not be able to start up for another 3 weeks (I guess with the weather they are very very busy!). I can not get my kitchen walls replaced until my roof is completed, therefore will have to wait over a month or two to have everything completed. My main reason to rush is also because I had a hard check applied on my credit and afraid if I wait over a month they will have to do another one with a lower score. I am at 746 and at the border of one of the top tiers. I'm afraid if I go below 740 I may not be able to take out as much cash. If anyone has any advice, it would be greatly appreciated! Thanks so much in advance.
g: 2 Posted By: MISTERCHEAP
Views: 233 Replies: 2 ANY gift cards except ShopRite gas cards AREincluded.


Buy and Gasoline or Store Gift Card $100 (or 4 x $25, 2 x$50) in one orderGet a $20 print out on the bottom of your receipt
Use your gift card as you would have used cash
$20 Money Maker!Buy Visa, Mastercard or American Express Card $100
Activation Fee: $4.95 $5.95
Use your gift card as you would have used cash
as much as a $15.05 Money Maker after paying for the activation fee

$20 grocery voucher may not be valid until the following week starting Sunday 11/30

thnx lrwc
Remote car Starter INCLUDING installation BEST BUY $129.99 (half price)
Added on : Tuesday November 18th 2014 08:00:02 AM
g: 0 Posted By: mrxit4fun
Views: 151 Replies: 0 Best buy has many different remote car start and alarms for as much as 50% off including Installation. The link is below. They have bigger and better packages as well and all are discounted significantly.

http://www.bestbuy.com/site/searchpage.jsp?searchType=promo&searchTerm=remote-start-finder-109674&nrp=15&id=pcat17071&gf=y&cp=1

High Deductible versus Traditional
Added on : Monday November 17th 2014 01:00:15 PM
g: 0 Posted By: akollman
Views: 64 Replies: 0 I am having a hard time deciding what makes sense. Open enrollment is 1/1/15. I am currently on the High Deductible ("HD")plan. I am 4.5 months pregnant and due in April 2015. Since they cannot discriminate for a pre-existing condition, I can elect to change to the Traditional plan ("PPO")during open enrollment if I wish.

here are the two plans compared (Single as my husband is on his own):

HD w/ HSA account option:

Monthly premium: $122 ($1,464 annually)
Deductible: $3,000
OOP Limit: $4,000
Physician & office services: 0% co-pay (after deductible)
Emergency and Urgent: 0% co-pay (after deductible)
(pretty much everything - 0%)

Traditional:

Monthly premium: $211 ($2,532 annually)
Deductible: $500
OOP Limit: $3,000
Physician Home and Office: $20 co-pay
Emergency and Urgent: $200/20% co-insurance
pretty much everything else (hospitalization, etc) - 20% co-insurance

In terms of 2015 and what makes sense, it almost seems like it would be the same either way. If I pick the HD, I will be paying $1k less in premiums over the course of the year, but OOP max is $1k more. Am I comprehending this correctly? I making the assumption that my hospitals bills etc. will exceed $30k before any insurance kicks in. I think I need someone to explain to me how the 20% co-insurance works and how the $500 deductible is factored into the mix.

My other question - any repercussions for after the baby is born? We want to put the baby on my plan as my husband is self employed and does not receive the benefit of employer fringe benefits (besides the benefit of a tax deduction). So, once the baby is born, does the clock start over on the deductible since I would be essentially switching from a SINGLE-PLAN to a FAMILY-PLAN?
New User Question Deals
How to plan financially if you won't live until retirement?
Added on : Monday November 17th 2014 08:00:17 AM
g: 1 Posted By: sailwind
Views: 165 Replies: 4 I'm a 40yr old male that has just been diagnosed with end stage kidney failure. The best case scenario is if I get kidney transplants I can live for another 30 years, worst case I go on dialysis and survive for 10-15 years. Either way, it looks like I won't make it to retirement age of 70 and take distribution of my retirement savings as originally planned.

My priority now is to make sure my wife and my daughter are financially covered if I'm not around to provide for them. A key question I'm trying to decide is whether to continue to put money into my company's 401k now that I won't be using it in retirement. Is 401k still a good place to hoard as much money as possible so my wife can roll it over to her own IRA and make withdraws as necessary? Or is it better to keep things around as cash so it's readily available to her?

Some info:
- I don't qualify for any life insurance except the 1x salary at work
- We own a home with a small mortgage that she can easily pay for the next 27 years.
- The home have significant equity (60%) that she can draw on as needed.
- After 10 years, our combined retirement should be valued at 13x her current salary
- We're high income earners in higher tax bracket, so maxing 401k yearly helps with tax deductions.

What do you guys think? Is it worthwhile to continue contributing to retirement account? Is that still a better place to park money for her?

Boy I feel like Walter White in Breaking Bad. Any suggestions welcome!



Personal Finance Deals
g: 5 Posted By: remick
Views: 274 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

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



also free

"Programming Sucks!" -- The Aspiring Developer's Guide
http://www.amazon.com/gp/product/B00MNFRKPS/

Programming sucks.
At least that's what I thought. I started with a closed mind. As with any new experience, there's a lot to learn.
Concept after concept.
New struggle after struggle.
Hosing an app more than once.
HTTP protocol. Command-Line. HTML. CSS. Programming Languages. Frameworks.
Is your head ready to explode? Mine was.
I felt stuck. And more often than not, wanting to give in.
I started journaling all of my problems. It just felt like I'd never get there with too much to learn -- and starting from nothing. Nothing but books that were dry, dull, too challenging, or not challenging enough. I tried to look everywhere for some inspiration -- that something to spark that little voice inside the back of my head. I had a hard time finding it. Maybe you do too..? That's where this book comes in.
This book is largely dedicated to my own experiences. In fact, when writing it, it was as if I was writing to myself a year ago. Kicking the stupid out of me one page at a time.
"Programming Sucks!" -- The Aspiring Developer's Guide is one of both personal experiences, and advice. You'll dig deep into some basic programming concepts. This will lay out an incredible foundation, and prepare you with a solid mindset of how to proceed. It's also not geared toward any particular programming language (although it makes heavy usage of Ruby.)
You'll enjoy the occasional metaphoric and dry humor, while thinking outside the everyday-box and setting the stage to learn effectively as a developer.
The best way to describe this book is not one to learn how to code.
If anything, it's a book to, "Learn how..to learn how to code."
I'd like to dedicate this book to you. And the fact that you won't give up.



Cloudera Impala
http://www.amazon.com/gp/product/B00NO8HB5W

Learn about Cloudera Impala--an open source project that's opening up the Apache Hadoop software stack to a wide audience of database analysts, users, and developers. The Impala massively parallel processing (MPP) engine makes SQL queries of Hadoop data simple enough to be accessible to analysts familiar with SQL and to users of business intelligence tools--and its fast enough to be used for interactive exploration and experimentation.



jQuery, JavaScript, and HTML5: A Simple Start to jQuery, JavaScript, and HTML5
http://www.amazon.com/gp/product/B00M8AYI1C/

Want To Learn jQuery, JavaScript, and HTML5 in the Simplest Way Possible?
If So, Then You've Come To The Right Place. This eBook Was Written by a Software Engineer Who Will Take You Step-by-Step To Become Skilled and Knowledgable at jQuery, JavaScript, HTML5, and More!

Here Is A Preview of What You Will Learn:
- The Basics of HTML
- The Basics of JavaScript
- The Basics of CSS3
- HTML5
- jQuery
- Forms
- Web Services
- Web Socket Communications
- Managing Local Data With the Help of Web Storage
- Offline Web Applications
- And More!



Thinking in HTML
http://www.amazon.com/gp/product/B00NN8H4FU

You will gain an intermediate knowledge of HTML after reading this book. Instead of wandering through loads of Theory, we will understand HTML practically so that we can semantically define the markup and structure of a webpage. We have used Notepad for the examples in this book. Alternatively, you can also use Notepad++ or any advanced editor. All you need to do is copy the code and paste it into Notepad. Upon execution, you will get the output as depicted in the screenshots. Screenshots are provided for each sample code.

Coding improves with practice. The examples in this book are compatible with almost every modern browser such as Mozilla Firefox, Opera or Google Chrome to name a few. Instead of using the verbatim code, you can modify the code and see the change in the output, thereby understanding the subtle nuances of HTML. By the end of the book, with practice, you can achieve better things as you get to grips with HTML.



Computer Systems Today
http://www.amazon.com/gp/product/B007P5SX34/

Computers are extremely fast, versatile, and finding their way into every business, industry, government and research activity today. The uses of computers are diverse and encompass arts and entertainment, science and medicine, education, transportation, problem-solving, research, decision-making, home and personal management, data warehouse, communication and message services, Internet, World Wide Web, intranet, law enforcement, etc. These computers can be used by any executive through a variety of user-friendly menu-driven graphical user interface packages without any prior computer experience.

Exploring the world of information technology can be informative, exciting, and challenging.
* For those students taking an introductory computer course who are just beginning to discover the world of information technology, Computers Today will make the process of this discovery enjoyable and educational.
* For those who are not entirely comfortable with computers and their applications, this text book provides blocks of information presented within the framework of the end-user's perspective and environment.

This book is written in a friendly, lucid, and engaging style that sparks the reader's interest. This project is an effort to show how computers affect our daily lives and how they will continue to have an ever increasing impact on our future.

We believe that, in Computers Today, you will find all you need to ensure that students understand and retain what they have read. We offer up-to-date coverage of latest computer systems concepts and an explanation of popular software packages. Though comprehensive in scope, each topic presents practical, day-to-day applications of computers.

Purpose Of This Edition

Computers Today acquaints readers with the many related areas of computer skills they will need if they are to understand the driving force behind our information society. These areas are:
* Knowing Computer Capabilities and Limitations.
* Knowing How To Use Computers.
* Knowing How Computer Hardware and Software Is Acquired.
* Understanding The Computer's Impact.

Key Themes
* Extensive Personal Computer Coverage. Although we discuss all types of computers, we place a strong emphasis on personal computers, reflecting their continuing prominence in home, business, and education.
* Focus on Computers in Business. We provide several features that focus on the uses of computers in the business environment. Topics include the use of personal computers; organizational information systems, the role of the chief information officer; security, privacy, and ethics; and knowledge-based systems, virtual office, and decision support systems.
* Coverage. Offers up-to-date coverage of computer concepts and an explanation of popular software packages. Though comprehensive in scope, each topic presents practical, day-to-day applications of computers.
* Buyer's Guide. Businesses, students and hobbyists are making important economic decisions about the purchase of computers for their needs. This book provides enough guidelines for the purchase of hardware and software.
* Appealing Style. When students enjoy what they read, they remember it. The text's friendly style encourages the reader and increases students' comprehension and confidence.

Key topics covered include: computer capabilities and limitations, how to use computers, how computer hardware and software is acquired, understand the computer's impact, personal computers, computers in business, organizational information systems, role of the chief information officer; security, privacy, ethics; knowledge-based systems, virtual office, and decision support systems, etc.



Ultimate App Making Guide: The Beginner's Guide to Setting up Their App Development Business
http://www.amazon.com/gp/product/B00P1KBHOC/

With the advent of smartphones our lives have become easier and you know what makes an average smart phone user's experience even better? It is those entertaining and useful applications we come across every day. More & more people are plunging into the world of application development. More & more businesses, big or small startup entities, they all make sure that they are present for their customers 24/7 and what better way can there be other than creating an application for their smartphones?

This book has been compiled to serve as the user guide for a complete beginner. This book contains -
> Step by step guide to Android Development
> Step by step guide to iOS Development
> Step by step guide to Windows Development
> Various online resources & tools you can use to boost your efforts
> Reskinning & much more!

This book will serve as your manual to the application development process. It has been kept in account that the book is written in such a way that even a non-tech savvy person will be able to create his or her own application by the end of this book.

Books Deals

Amazon Coupons
Appeal Of Using Quicken/Mint? What Benefits? Best Practices?
Added on : Sunday November 16th 2014 06:00:03 PM
g: 0 Posted By: itconsult
Views: 26 Replies: 0 I've never used Quicken, Mint, or similar services. Quite frankly, I earn much more than I spend and I have frugal tendencies by nature so I don't really need a budget. However, it would be interesting for me to review my spending data. For one, I intermingle my personal and business reimbursible expenses across all of my credit cards to maximize rewards. If I used a Quicken-type program to import this data monthly, I'd like to be able to tag things as "business reimbursible" such that I am not counting those expenses against other categories like food that they might otherwise artificially inflate.

My main resistance to using one of these programs is privacy versus benefit. I am intrigued by the possibilities here but not yet convinced of the benefit. I do see a large privacy concern as now my data is being aggregated into yet one more company. I'm curious to hear what benefits people on this board realize from using one of these programs as well as what best practices exist that you've found.

Currently, I use an Excel spreadsheet to track my networth and it works well for me because I include in my networth a few items that are illiquid but have definitive values. I manually update them and it all just works. Would a Quicken do something like that?

Also, what things are you using these apps for? Tracking networth? Tracking investment portfolio return? Tracking expenses? Ensuring your business expenses were properly reimbursed? What actionable steps have you taken or could you conceivably take based on the information you're collecting and reviewing on your financial life?
Question Deals
g: -2 Posted By: DaysFan
Views: 306 Replies: 1 Apple iPad with 9.7" Retina Display, Wi-Fi 16GB White

linkedhttp://www.hhgregg.com/apple-ipad-with-9-7-retina-display-wi-fi-16gb-white/item/MD513LLABlack http://www.hhgregg.com/apple-ipad-with-9-7-retina-display-wi-fi-16gb-black/item/MD510LLAApple iPad with 9.7" Retina Display, Wi-Fi 16GB White(Model: MD513LLA)Product FeaturesRight out of the box, iPad takes the things you do every day and makes them extraordinary. Map out your next adventure. Then shoot it in 1080p HD. Ask Siri to help you find the best pizza in town. Watch a webcast or a movie. Read a best seller or a magazine. Check email. Send messages. Or stay in touch face-to-face over FaceTime. Youll be amazed at how much is built right in.

9.7" Retina display - 2048 by 1536 resolution display with 3.1 million pixels - one million more than an HDTV. Text is razor sharp. Images come to life with vivid colors due to broad saturation
A6x chip with quad-core graphics - Most powerful Apple-designed chip - twice the CPU and GPU performance of A5X. Even the most advanced apps are smooth and responsive
10-hour battery life - Powerful and efficient, yet you still get up to 10 hours of power to read, watch, play, write, and create whatever you want, all you want
FaceTime HD camera - FaceTime calls over Wi-Fi or cellular (depends on cellular network carrier policies). 1.2 megapixel photos. Capture 720p HD video
Built-in apps - Right out of the box, iPad takes the things you do every day and makes them extraordinary. Map out your next adventure. Then shoot it in 1080p HD. Ask Siri to help you find the best pizza in town. Watch a webcast or a movie. Read a best seller or a magazine. Check email. Send messages. Or more
iSight camera - 5-megapixel sensor with backside illumination for capturing great photos even in low-light situations. Advanced optics including f/2.4 aperture, five-element lens and a Hybrid IR filter. Autofocus, tap to focus, tap to set exposure and face detection (up to 10 faces)
1080p HD video recording - Record 1080p HD video at up to 30 frames per second. Video stabilization corrects shaky videos. Perfect for video calling, PhotoBooth, video capture and more
Advanced Wi-Fi technology - The new Wi-Fi capabilities built into iPad keep you connected faster than ever up to twice as fast as any previous-generation iPad. With dual-band (2.4GHz and 5GHz) 802.11n Wi-Fi and support for channel bonding, download speeds can reach up to 150 Mbps
Support for LTE networks around the world - If you want to connect to the Internet even when you dont have access to Wi-Fi, choose iPad with Wi-Fi + Cellular. It now supports even more ultrafast cellular networks around the world including LTE wireless networks and other advanced networks such as HSPA, HSPA+, and DC-HSDPA
Comes with iOS 6, the world's most advanced mobile operating system with more than 200 new featues: all-new maps, Siri and more
iCloud is built right into iPad -Just turn it on and youll have instant access to all the things you need, whether youre on your iPad, iPhone, iPod touch, Mac, or PC. New features in iOS 6 let you do even more with iCloud. Share the photos you want with the people you choose using Shared Photo Streams
Lightning connector - Part of every new iPad is the all-new Lightning connector. Its 80 percent smaller than the 30-pin connector. And it features an all-digital, eight-signal design thats significantly more durable. Another brilliant feature of Lightning: Its reversible. Which means theres no wrong way to plug in the cable

iPads Deals
$329 Apple iPad with 9.7" Retina Display, Wi-Fi 16GB White hhgregg.com
Added on : Sunday November 16th 2014 03:00:02 PM
g: 0 Posted By: DaysFan
Views: 78 Replies: 0 Apple iPad with 9.7" Retina Display, Wi-Fi 16GB White

linkedhttp://www.hhgregg.com/apple-ipad-with-9-7-retina-display-wi-fi-16gb-white/item/MD513LLAApple iPad with 9.7" Retina Display, Wi-Fi 16GB White(Model: MD513LLA)Product FeaturesRight out of the box, iPad takes the things you do every day and makes them extraordinary. Map out your next adventure. Then shoot it in 1080p HD. Ask Siri to help you find the best pizza in town. Watch a webcast or a movie. Read a best seller or a magazine. Check email. Send messages. Or stay in touch face-to-face over FaceTime. Youll be amazed at how much is built right in.

9.7" Retina display - 2048 by 1536 resolution display with 3.1 million pixels - one million more than an HDTV. Text is razor sharp. Images come to life with vivid colors due to broad saturation
A6x chip with quad-core graphics - Most powerful Apple-designed chip - twice the CPU and GPU performance of A5X. Even the most advanced apps are smooth and responsive
10-hour battery life - Powerful and efficient, yet you still get up to 10 hours of power to read, watch, play, write, and create whatever you want, all you want
FaceTime HD camera - FaceTime calls over Wi-Fi or cellular (depends on cellular network carrier policies). 1.2 megapixel photos. Capture 720p HD video
Built-in apps - Right out of the box, iPad takes the things you do every day and makes them extraordinary. Map out your next adventure. Then shoot it in 1080p HD. Ask Siri to help you find the best pizza in town. Watch a webcast or a movie. Read a best seller or a magazine. Check email. Send messages. Or more
iSight camera - 5-megapixel sensor with backside illumination for capturing great photos even in low-light situations. Advanced optics including f/2.4 aperture, five-element lens and a Hybrid IR filter. Autofocus, tap to focus, tap to set exposure and face detection (up to 10 faces)
1080p HD video recording - Record 1080p HD video at up to 30 frames per second. Video stabilization corrects shaky videos. Perfect for video calling, PhotoBooth, video capture and more
Advanced Wi-Fi technology - The new Wi-Fi capabilities built into iPad keep you connected faster than ever up to twice as fast as any previous-generation iPad. With dual-band (2.4GHz and 5GHz) 802.11n Wi-Fi and support for channel bonding, download speeds can reach up to 150 Mbps
Support for LTE networks around the world - If you want to connect to the Internet even when you dont have access to Wi-Fi, choose iPad with Wi-Fi + Cellular. It now supports even more ultrafast cellular networks around the world including LTE wireless networks and other advanced networks such as HSPA, HSPA+, and DC-HSDPA
Comes with iOS 6, the world's most advanced mobile operating system with more than 200 new featues: all-new maps, Siri and more
iCloud is built right into iPad -Just turn it on and youll have instant access to all the things you need, whether youre on your iPad, iPhone, iPod touch, Mac, or PC. New features in iOS 6 let you do even more with iCloud. Share the photos you want with the people you choose using Shared Photo Streams
Lightning connector - Part of every new iPad is the all-new Lightning connector. Its 80 percent smaller than the 30-pin connector. And it features an all-digital, eight-signal design thats significantly more durable. Another brilliant feature of Lightning: Its reversible. Which means theres no wrong way to plug in the cable
g: 0 Posted By: INSANECANE
Views: 204 Replies: 1 Cigar.com Starter Set III $29.95 plus $4.95 shipping

Here's an offer you can't refuse. As a special introductory offer, we put together our favorite cigars and cut the price over 57% off MSRP. Sound too good to be true? Well, it gets better. We also threw in a 20-count Oxford humidor, Calcutta Metal Works Cigar Scissors and a top-notch Moretti Churchill Quad Burner lighter at no extra cost. This deal is only available for a limited time and you won't find these cigars discounted this much anywhere, so act now!

Cigar.com Starter Set III Includes:
2 Gurkha Class Regent Gran Robusto (5.75" x 52)
2 Sosa Robusto (5" x 50)
2 5 Vegas Series 'A' Artisan (5" x 52)
2 Xikar HC Series Maduro Robusto (5" x 50)
2 Ramon Bueso Genesis Robusto (5" x 50)

Plus:
-1- Oxford Glasstop Humidor (20 Capacity)
-1- Calcutta Metal Works Cigar Scissors (Gun Metal)
-1- Moretti Churchill Quad Lighter (Sliver Rubberized)

Supposedly good til 12-31-14, but YMMV.


http://www.cigar.com/cgsa140

If clicking on link doesn't work, try copy and paste.
Grocery Deals
LTC Insurance Needs
Added on : Sunday November 16th 2014 10:00:11 AM
g: 0 Posted By: sonpar06
Views: 60 Replies: 0 I am looking to modofy my Life Insurance requirement. Recently Insurance Agent suggested that I should go for LTC Insurance. I am at age of 50 with Good Health. I work in Stressful IT envrionment. I live in NJ. I do have other Policies worth around 1 Million. My Father had Heart Attack One time and Throat Cancer with Voacal Chord Removed but still living strong at 79. I did look at many of LTC related Topics but would appreciate if Guidance is provided in decision making.

My questions are:
1) Is it worth going for LTC?
2) How much is good worth to go for?
Insurance Deals
g: 1 Posted By: JayMatt19
Views: 246 Replies: 0 Adoreme.com
We get to know you personally. Based on your Style Profile were able to make recommendations on styles we know youll love. Every month your personalized showroom will show you the latest styles in the size you want, the fabrics you prefer, and the designs you love.By choosing to sell exclusively online we bypass the high costs of operating a retail store. We also design our own intimates, meaning were not at the mercy of third party fees or design price hikes. It goes directly from us, to the manufacturer, and then straight to you. Its simple, cheaper and so much better!
Our VIP membership serves as a thank you for helping us pay less and keep our prices super low. Your monthly membership helps us better plan our inventory and fulfill demand when its high and reduce loss when its not. In exchange, were willing to drop our prices even lower and offer you a ton of VIP perks, such as a free 6th set, exclusive giveaways, special sales, sneak peeks, and much more!


Clothing Deals
g: 0 Posted By: fonsonfon
Views: 85 Replies: 0 Product Link: http://www.amazon.com/dp/product/B00MHI7EAM

The Coupon Code is SPBZMMSO

Sold by SCUD USAand Fulfilled by Amazon.

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

Amazon Coupons
Harbinger APS12 12" Powered PA Speaker $119.99 Fs @ MF
Added on : Sunday November 16th 2014 07:00:06 AM
g: 1 Posted By: tedhawkins
Views: 114 Replies: 0 Harbinger APS12 12" Powered PA Speaker $119.99 Fs @ MF

http://www.musiciansfriend.com/stupid?icid=206243

Product Description

The 150W Harbinger APS12 is a 12", 2-way, powered PA speaker system with full-range response that makes it ideal for vocals and acoustic performances. The Harbinger APS12 is equipped with a 12" woofer with a 1-3/8" compression driver, 3-channel mic/line mixer, 2 mic/line input channels with individual balanced and unbalanced connections, 1 dual RCA/single XLR line input for playback devices, and much more.
Features

2-way, full-range powered speaker with 12" woofer and a 1-3/8" compression driver
150W RMS, convection-cooled, Class A/B amplifier
3-channel mic/line mixer
2 mic/line input channels with individual balanced and unbalanced connections
1 dual RCA/Single XLR line input for playback devices such as MP3, CD players, and more
5-band graphic EQ
Individual balanced and unbalanced line outputs for connecting other powered speakers
Built-in stand mount


Headphones & Speakers Deals

Musician's Friend Coupons
g: 0 Posted By: ragingwookiee
Views: 149 Replies: 0 National Presto 16" Electric Skillet with Glass Cover -- $27.99 + Store Pickup at Sears

Presto electric skillet with glass cover is built to last
Removable temperature control makes it dishwasher safe for easy cleaning
Tampered glass cover gives you a look at whats cooking
Large 16 x 13 cooking surface is perfect for meals large and small
Raised design helps keep counters clean
Roasts, fries, bakes and much more
Works with standard household electrical outlets

Appliance Deals

Sears Coupons
Free game for MAC - Journey of a Roach
Added on : Saturday November 15th 2014 03:00:08 AM
g: 0 Posted By: remick
Views: 107 Replies: 0 http://www.steamgames.blue/home/m/27213295/article/2626895

Here you can grab this nice Point&Click Adventure for FREE:
Journey of a Roach | macgamestore.com

Nuclear war, post apocalypse, barren and lifeless wastelands. Lifeless? Not so much! Mutated insects have made their home in a bomb shelter and they're set on exploring the world.

Let this point & click adventure welcome you to a hilariously bizarre end time world and join the roaches Jim and Bud on their journey to the surface.

Journey of a Roach tells the story of two roach-buddies, who want nothing but see the surface world.

On their way up, they meet all kinds of bizarre and ludicrous insects inhabiting the post-apocalyptic earth. In atmospheric 3D point&click adventure style you'll take control of Jim the roach through the bomb shelter, effortlessly crawling your way along walls and ceilings. This innovative and dynamic game mechanic creates opportunities for a wholly new puzzle design. Fondly designed speechballoons offer an unconventional new dialogue experience and the soundtrack delivers and atmospheric, post-apocalyptic mood.

Point & click Adventure in a unique environment
Crawl along walls and ceilings, exploring secret underground
Innovative controls create dynamic game mechanics
Atmospheric 3D comic style world
Two charming, memorable protagonists with humorous, nonverbal means of communication

http://www.macgamestore.com/product/3039/Journey-of-a-Roach/
Totally Free Deals
TC Helicon VoiceLive 2 Floor-Based Vocal Processor $349.99 Fs @ MF
Added on : Friday November 14th 2014 07:00:23 AM
g: 0 Posted By: tedhawkins
Views: 104 Replies: 0 TC Helicon VoiceLive 2 Floor-Based Vocal Processor $349.99 Fs @ MF

http://www.musiciansfriend.com/stupid?icid=206243

Product Description

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

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

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

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

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

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

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


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Sony HX50v Refurb ay Newegg 149.99 shipped (it's back!)
Added on : Friday November 14th 2014 04:00:03 AM
g: 1 Posted By: tlwisner
Views: 272 Replies: 1 This deal that died last week has come back from the grave:
http://www.newegg.com/Product/Product.aspx?Item=9SIA15T1XR7174&i...
I got one of these and it arrived in very much like new condition except for the white box packaging. Just a must buy price on a fantastic little camera that does it all.
Cameras Deals

Newegg Coupons
Best Health Insurance For Traveling Consultant - No Out Of Network?
Added on : Thursday November 13th 2014 05:00:04 PM
g: 0 Posted By: itconsult
Views: 136 Replies: 2 Long time lurker, first time poster. IT Consultant making $250k/year. Single, mid-30s, no children, no medical problems, reasonably healthy. I've been going with high deductible HDHP for several years at around $100/month for a $6k deductible and happy with it. In 2015, the price goes up to $320/month for the same coverage. No political commentary necessary, we all know what's going on.

I decided that at $320/month, this coverage is absolutely not worth it. It only covers out-of-network claims at 50% of the cost, above my $6k deductible. My residence is Florida but I am only home a total of 30 to 60 days per year and travel around the country to various places the other 300+ days. It makes no sense for me to maintain this insurance at the new price. I'm either going to drop insurance entirely or I'm going to upgrade to a better plan that covers out-of-network at a better rate. Statistically, the chances are if something happens, it will happen when I'm out-of-network and it will be some kind of trauma or acute medical situation that requires an emergency room visit and hospitalization. It's much less likely I'll get brain cancer and quit my job and do treatment in Florida, although possible.

I don't mind the $6k deductible because I have $15k in my HSA and 9 months living expenses in a series of rewards checking accounts (thanks FWF!). I do mind the 50% coverage for out-of-network. As I did some preliminary research today, I found that most insurance companies don't advertise their out-of-network coverages and only display their in-network coverage on their website. So it's difficult to see what actually is covered by out-of-network without requesting additional information. Hell, I wouldn't mind a $20k deductible insurance. I just don't want to be stuck with a $1M+ medical bill that my insurance only covers 50% because I got hit by a bus while working outside of Florida.

Any suggestions? Also considering some kind of disability insurance. I'm a 1099 and at a previous W2 position, they offered disability insurance for $5 a paycheck and the employer didn't cover any of it so I imagine it's something that can be had for $20/month or so. Might be worth having given my $250k salary although perhaps it scales in price so maybe it would be much more expensive and not worth it given the low liklihood I'll need it and the fact that I have a generous cash buffer (with several years living expenses saved in various I-Bonds, 401ks, IRAs, etc) and no dependants.

There must be some insurance that caters to people who travel a lot. Ideally with very high deductibles.
New User Question Deals
401k Basic question?
Added on : Thursday November 13th 2014 03:00:04 PM
g: 0 Posted By: deterdangler
Views: 130 Replies: 2 Hi All,

My Employer is offering 401k and her is what it says:

Eligible after one year of service
Company will match 50% of contribution up to 6% of your deferral for the pay period
Applies to the first $260,000 of compensation, up to a calendar year company match of $7,800
Company match amounts will not appear on paystubs, only on MassMutual website
100% vested immediately


Can somebody tell me if i contribute every month 500$ how much my company will match?
6% of 250$??
And what exactly 100% vested immediately means?

I am thinking of only staying with the company for 2 years..
Question Deals
Free t-shirt from Google Fiber for Austin, Texas addresses
Added on : Thursday November 13th 2014 02:00:03 PM
g: 0 Posted By: remick
Views: 147 Replies: 0 https://fiber.google.com/helloaustin/tshirt/

We have 25,000 shirts designed by local artist Judy Paul and we'd love to share one with you. If you live in Austin, simply fill out the form below. We will use your email and street address to communicate updates about your fiberhood and improve our service. Thanks so much for your support!
Clothing Deals
"Dying" Widowed Mother, No Will, Advice?
Added on : Thursday November 13th 2014 01:00:12 PM
g: 0 Posted By: Tinker2Evers2Chance
Views: 63 Replies: 2 My 75 year old mother,claims she is dying - or maybe dying, she's not going to be bothered with going through tests. For this thread, going to assume she's really dying this time.

She has no will. I have one sibling. I have a power of attorney which is decades old but no reason to think it's not valid.

Legally, with no will, what can I expect? She has no home now, has some cash from recent sale of home but has been spending like she's dying, so who knows how much she'll have left (maybe $60k but that's a wild guess). Any advice?
Neo Bourgeoisie Metal Lace and Embroidery Bangle is a delicate, refined and radiant cuff evoking the scenery by Mucha and the Art Nouveau style. Hand enameled brass flowers rhinestones, faceted glass, freshwater pearls, glass pearls, coral beads, and jade on filigree cuff. Each piece is unique. French design.
g: 0 Posted By: thx
Views: 309 Replies: 1 Proscan 7" Android 4.4 KitKat Tablet - ARM Cortex A9 Dual Core 1 GHz, 8GB - Snap One Family 350GB Cloud Storage 6 Users Unlimited Devices - Anti-Malware - SOF0350TD
Item#: OUR-102592922S
Model#:PLT7050 Bundle

$89.99 - $70 rebate (valid 11/13 - 11/15) = $19.99 with free shipping today!

Here

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The Proscan 7" Tablet brings you the media you want and keeps you connected with anyone, anytime. Android 4.4 KitKat is designed to run fast, smooth, and responsively on a much broader range of devices, while still providing Androids most innovative and useful features. The powerful 1GHz Dual Core processor lets you play the most popular games. The bright 7 capacitive multi touch display allows for easy navigation and viewing all common photo, music, video formats, and browsing the web.

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7 Capacitive Multi-touch Display
ARM Cortex A9 Dual Core 1 GHz Processor
Resolution: 800 x 480 Apect Ration 16:09
Android 4.4 KitKat
512MB of Memory
8GB Nand Flash (Expandable up to 32GB via Card Slot)
TF Card Slot
Built-in Camera 0.3MP Front Camera
G-Sensor
WiFi: Supports 802.11 B/G
1 Mini USB Port, 1 Headphone Jack, Rechargeable Battery
Supports all Common Photo, Music & Video Formats


Snap One Family 350GB 6 Users Unlimited Devices

Snap One keeps you and your family members, and all of their data and devices, protected and connected with the most comprehensive digital life security solution available. As a powerful suite of apps that includes Snap Secure, Snap CloudView and Snap Play, Snap One boasts dozens of life-simplifying features like Family Map & Locate, Driver Safety, Photo Storage & Sharing, and more. When it comes to securing and managing your familys entire digital life, Snap One is the only cloud service youll ever need to buy.

Snap One works across all major platforms including Android, iOS, Windows Phone 8, Mac, and Windows PC. You and your family members can mix and match all types of devices and still stay protected and connected through the Snap One cloud.
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g: 0 Posted By: thx
Views: 39 Replies: 0 Proscan 7" Android 4.4 KitKat Tablet - ARM Cortex A9 Dual Core 1 GHz, 8GB - Snap One Family 350GB Cloud Storage 6 Users Unlimited Devices - Anti-Malware - SOF0350TD
Item#: OUR-102592922S
Model#:PLT7050 Bundle

$89.99 - $70 rebate (valid 11/13 - 11/15) = $19.99

Here

Proscan

The Proscan 7" Tablet brings you the media you want and keeps you connected with anyone, anytime. Android 4.4 KitKat is designed to run fast, smooth, and responsively on a much broader range of devices, while still providing Androids most innovative and useful features. The powerful 1GHz Dual Core processor lets you play the most popular games. The bright 7 capacitive multi touch display allows for easy navigation and viewing all common photo, music, video formats, and browsing the web.

What It Is and Why You Need It:

7 Capacitive Multi-touch Display
ARM Cortex A9 Dual Core 1 GHz Processor
Resolution: 800 x 480 Apect Ration 16:09
Android 4.4 KitKat
512MB of Memory
8GB Nand Flash (Expandable up to 32GB via Card Slot)
TF Card Slot
Built-in Camera 0.3MP Front Camera
G-Sensor
WiFi: Supports 802.11 B/G
1 Mini USB Port, 1 Headphone Jack, Rechargeable Battery
Supports all Common Photo, Music & Video Formats


Snap One Family 350GB 6 Users Unlimited Devices

Snap One keeps you and your family members, and all of their data and devices, protected and connected with the most comprehensive digital life security solution available. As a powerful suite of apps that includes Snap Secure, Snap CloudView and Snap Play, Snap One boasts dozens of life-simplifying features like Family Map & Locate, Driver Safety, Photo Storage & Sharing, and more. When it comes to securing and managing your familys entire digital life, Snap One is the only cloud service youll ever need to buy.

Snap One works across all major platforms including Android, iOS, Windows Phone 8, Mac, and Windows PC. You and your family members can mix and match all types of devices and still stay protected and connected through the Snap One cloud.
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First time home buyer, buying duplex, seeking opinions
Added on : Wednesday November 12th 2014 02:00:04 PM
g: 0 Posted By: mrbigballer
Views: 130 Replies: 1 I browse on a regular basis, though I don't post much. I have gained much wisdom from FWF, so now looking for some more insight.

Looking to make my first real estate purchase. I have had quite an interest in the real estate world for years now, and I read a ton about it on blogs, etc. Personally I think we are back in a bubble, and prices are going to come down within the next 5 years.

Wife doesn't want to sit in an apartment, so I am looking to buy a duplex, live in one side, rent out the other. Then in a few years, when home prices come down, buy a SFH and just rent out both sides of the duplex.

About me:
34, infant child, married. Stable job. Live in metro city in CA.
Managed a duplex for a family member for 8 years...so been a landlord, have the experience.
Monthly net income: $7,564
Monthly expenses (not including rent): $1500 (tracked over 9 months and averaged out)
Monthly rent: $870
Total savings: $93K
Total debt: $0
Estimated down payment: 20%
Credit Scores: High 700s, low 800s
Estimated monthly rental revenue: $900
Estimated mortgage pmt + property taxes: $1250-1500

So I am looking to buy a duplex in the range of $275K-$300K, putting 20% down, renting out one side, live in the other. I plan to be there for 3 years, and then hopefully the market has dropped a good amount and then will buy a house. We are pretty good at saving money. Currently we can save about $5K per month, and should be able to save even more with this purchase from the way I ran the numbers (current rent: $870. Mortgage payment $1500 - Rental revenue: $900 = $600 monthly housing cost which is $270 less than current situation.

Please give any feedback, insight, advice, opinions, thoughts. TIA

Discussion Deals
g: 0 Posted By: remick
Views: 235 Replies: 1 http://www.amazon.com/gp/product/B007CKXFB2/

This book is for all those persons, who desire prosperity, success, knowledge, pleasure and need practical solutions to their practical problems.
The general reader, as well as the scholar, will find this book eminently readable. Within these pages, an easy rendering in English is presented, of the thirteenth book of the Mahabharata. The various questions troubling Yudhishthira and the answers given by Bhishma, comprise the content of this book. These questions are universal in nature; hence, the appeal of this book is universal and equally so, is the effectiveness of the answers.
Rajen Jani's translation is sound and his insights on Shri Shiva Sahasranama Stotram and Shri Vishnu Sahasranama Stotram are extremely illuminating. The easy translation in English, without any complex diacritical marks for Sanskrit words, enables readers to recite the chants effortlessly.
This book shows how righteousness, wealth, pleasure and liberation may be attained. After reading this book, the ignorant shall become wise, the weak shall become powerful and the poor shall become wealthy. The trapped shall find a way out, the losers shall become winners and the downtrodden shall become eminent. The confused shall gain clarity, the restless shall find peace and the sinners shall gain redemption.
Without any doubt, readers shall indeed find this book to be their true friend, philosopher and guide.



also free


The Rmyan of Vlmki
http://www.amazon.com/The-R%C3%A1m%C3%A1yan-V%C3%A1lm%C3%ADki-eb...

Most Helpful Customer Reviews
70 of 72 people found the following review helpful
4.0 out of 5 stars epic poetry at its best December 27, 2007
By Sawyer
Format:Hardcover
This book is a meticulously translated tale of ancient India, with all of the greatest elements of a great story thrown in - treachery, redemption, adventure, murder, passionate love, family dynasties, greed, etc. If you can read above a sixth-grade level, this book will richly reward every moment you spend with it. Thrones are toppled and regained, love is experienced in all of its richness and despair, and the adventures the hero has to live through are guaranteed to keep you on the edge of your seat. All kinds of demons and monsters are fought and conquered. Yes, the translation is old-fashioned, but so beautiful that only the most determinedly modern reader will balk at reading it. It is well worth the time and thought that it will require.



Vachanamrut
http://www.amazon.com/Vachanamrut-Bhagwan-Swaminarayan-ebook/dp/...

The Vachanamrut of Bhagwan Swaminarayan is the most sacred and foundational scripture of the Swaminarayan Sampraday. It contains the profound wisdom of the Vedas, Upanishads, Brahmasutras, Bhagvad Gita, Bhagvat Purana, Dharma shastras like Yagnavalkya Smruti, Vidurniti, and epics like the Ramayan and Mahabharat (Vachanamrut Gadhadha II-28). Bhagwan Swaminarayan says in Gadhadha II-28, "What is this discourse which I have delivered before you like? Well, I have delivered it having heard and having extracted the essence from the Vedas, the shastras, the Purans and all other words on this earth pertaining to liberation."

The Vachanamrut is the essence of ancient Indian wisdom as told by Bhagwan Swaminarayan and compiled by his five contemporary scholarly-sadhus who were known for their asceticism and scholarship in Sanskrit, besides their devotion to him. In fact every statement of the Master is packed with and based on His in-depth religious knowledge, spiritual insights and practical experience. It contains practical and philosophical answers to the sincere enquiries of all types of aspirants regarding life in this world and the life hereafter.



Chakras: Beginners Guide! Center Your Life Force and Use Chakras for Healing, Balancing, Meditation, and Clearing
http://www.amazon.com/Chakras-Beginners-Balancing-Meditation-Cle...

Each and every living being is infused with a universal energy that nourishes and connects life. You will learn how to use that energy to improve your life and take your consciousness to higher levels
This energy field is made up of the aura (which manifests itself in seven layers) and the chakra system (which comprises of the seven major chakras.) Read on to figure out how to harness this power to completely transform your life.

Below is a preview of what you are going to learn
- Why You Should Read This Book
- So, What Are Chakras?
- The Seven Chakras
- Myths Related to Chakras
- The Concept of Life Force Energy
- More on Chakras: Symbolic Representation
- Chakras and Mindfulness
- Balancing Your Chakras
- Chakra Mudras
- Chakra Chants




Chakra Series 1 (Book 2) - Sacral Chakras
http://www.amazon.com/Chakra-Series-Book-Sacral-Chakras-ebook/dp...

This book is a simple introduction to the sacral chakra. The second chakra after the base chakra, a wheel of energy which connects through the pelvis area to go up the spine, this chakra is full of hidden secrets. Its unconscious quality deals with procreation, sexuality, emotions and relationships. Handled spiritually this energetic connection is the seat of wisdom and Bliss and promotes a sense of well-being.
Due to the subtle nature of chakra energy the best way to appreciate it is through experiencing their colours and frequency vibrations. This is one of the few fully illustrated books on this creative chakra, full of mandalas and rich colours, it provides a taste of the chakras without over-burdening you with factual details.
Designed for kindle fire, it incorporates a simple meditation at the end to allow this chakra to do its magic.
I hope you enjoy it.



The Zen Experience
http://www.amazon.com/gp/product/B0042X99TY/

(New American Library,1980)
The best history of Zen ever written.
Library Journal

Beginning with Indian Buddhism and Chinese Taoism it shows Zen as it was created by the personalities, perceptions, and actions of its masters over the centuries.

Gradual and sudden enlightenment, shock enlightenment, the koan, the migration of Zen to Japan. With anecdote and memorable quotation, this long-needed work restores Zen to its living, human form.

The truth of Zen has always resided in individual experience rather than in theoretical writings. To give the modern reader access to understanding of this truth, THE ZEN EXPERIENCE illumines Zen as it was created and shaped by the personalities, perceptions, and actions of its masters over the centuries.
Beginning with the twin roots of Zen in Indian Buddhism and Chinese Taoism, we follow it through its initial flowering in China under the First Patriarch Bodhidharma; its division into schools of gradual and sudden enlightenment under Shen-hsui and Shen-hui; the ushering in of its golden age by Hui-neng; the development of shock enlightenment by Ma-tsu; its poetic greatness in the person of Han-shan; the perfection of the use of the koan by Ta-hui; the migration of Zen to Japan and its extraordinary growth there under a succession of towering Japanese spiritual leaders.
Rich in historical background, vivid in revealing anecdote and memorable quotation, this long-needed work succeeds admirably in taking Zen from the library shelves and restoring its living, human form.



Zen Buddhism: The Ultimate Guide to A Fulfilled, Inspired Life and Achieve Inner Peace, Mindfulness and Happiness
http://www.amazon.com/Zen-Buddhism-Fulfilled-Mindfulness-Meditat...

Inside you will discover:

What is Zen Buddhism?
The easy ways to understand Zen Buddhism
How can I practice Zen Buddhism meditation without being a Buddhist?
What are the advantages of Buddhist Meditation or Zazen?
What are the belief of Zen Buddhism?
What makes Zen Buddhism different from other Buddhist traditions?



Buddha in Blue Jeans: An Extremely Short Zen Guide to Sitting Quietly and Being Buddha
http://www.amazon.com/Buddha-Blue-Jeans-Extremely-Sitting-ebook/...

Poet and Zen Priest Tai Sheridan's 'Buddha in Blue Jeans' is an extremely short, simple, and straight forward universal guide to the practice of sitting quietly and being yourself, which is the same as being Buddha. Sitting quietly can teach many ways to accept life, meet pain, age gracefully, and die without regret. The book encourages sitting quietly every day.

Topics include: Sit Quietly; Care For Your Body; Accept Your Feelings; Give Thoughts Room; Pain is Natural; Be Who You Are; Live Each Moment Well; Love Indiscriminately; Listen to Others; Be Surprised; Wonder; Live gratefully; Do No Harm; Benefit life; A Wish for The World. The book is for people of any faith, religion, race, nationality, gender, relationship status, capacity, or meditation background.



The Essence of Buddhism
http://www.amazon.com/The-Essence-Buddhism-David-Tuffley-ebook/d...

This book describes the basic principles of Buddhism. Much has been written about Buddhism and how to practice it. Readers will have no difficulty finding hundreds of books on the topic. This book simply focuses on the essence of Buddhism, as expressed in the Four Noble Truths and the Eight-fold Path.

Buddhism is not a religion as such; it does not propose an external God. It does not seek to replace a persons existing religious beliefs, only to supplement them. The Buddha, in all likelihood, would rather his followers describe themselves simply as Followers of The Way.



Radical Compassion: Shambhala Publications Authors on the Path of Boundless Love
http://www.amazon.com/Radical-Compassion-Shambhala-Publications-...

What is compassion? Much more than just being nice, compassion is about looking deeply at ourselves and others and recognizing the fundamental goodness we all share. Its about opening up to the vulnerable space inside every one of us and letting our barriers down. And its about daring to be present to ourselves and others with genuine love and kindness. Empowering personal awakening and social change, it might be the most radical and transformative thing we can do.

The cultivation of compassion has long been at the core of Naropa Universitys mission, since its origins in 1974and its students and faculty have been leaders in contemplative education with heart. In celebration of Naropas fortieth anniversary, Shambhala Publications is pleased to offer these teachings on the path of compassion from a collection of authors who have helped shape the schools unique and innovative identity, including:

Chogyam Trungpa on opening ourselves more and more to love the whole of humanity
Dzogchen Ponlop on how to cultivate altruism with the help of a spiritual mentor
Judith L. Lief on the common obstacles to compassion and how to overcome them
Gaylon Ferguson on awakening human-heartedness in oneself and society amidst everyday life
Diane Musho Hamilton on connecting to natural empathy and taking a compassionate approach to conflict resolution
Reginald A. Ray on spiritual practices for developing the enlightened mind and heart in the Mahayana Buddhist tradition
Ringu Tulku on the practices of bodhisattvas, those who devote themselves to the path of enlightenment for the sake of all beings
Pema Chodron on building up loving-kindness for oneself and others with help from traditional Buddhist slogans
Ken Wilber on what it really means to be a support person, with reflections from his own life
Karen Kissel Wegela on avoiding caregivers burnout and staying centered amidst our efforts to help those in need
and reflections on Naropa University and the meaning of radical compassion from longstanding faculty member Judith Simmer-Brown
How to start practicing Zen Buddhism alone?
How can one concentrate the mind on the present moment in a capitalistic society?
Everyday Zen Buddhism Practice- Integrating the Zen Principles into Your Life


Books Deals

Amazon Coupons
Free Audible Audiobook - You Have to F--king Eat
Added on : Wednesday November 12th 2014 09:00:11 AM
g: 0 Posted By: remick
Views: 98 Replies: 0 http://www.audible.com/pd/Fiction/Free-You-Have-to-F-king-Eat-Au...

Emmy Award-winning actor Bryan Cranston (Breaking Bad, Malcom in the Middle) follows in the exasperated footsteps of Samuel L. Jackson, giving voice to the long-suffering father whose indifferent child will just not eat in this hilarious follow-up to Adam Mansbach's international best seller, Go the F--k to Sleep.
Mansbach's long-awaited sequel is about that other great parental frustration: getting your little angel to eat something that even vaguely resembles a normal meal. Profane, loving, and deeply cathartic, You Have to F--king Eat breaks the code of child-rearing silence, giving moms and dads (new, old, grand-, and expectant) a much-needed chance to laugh about a universal problem.
Anchored by a hilarious performance from Cranston, You Have to F--king Eat is the perfect blend of talented voice actor and subversive fun that expertly captures Mansbachs trademark humor. Due to its explicit language, you probably shouldn't play this one for your kids.
You Have to F--king Eat is available free through 12/12/14.
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Low hassle Manufacture spend service?
Added on : Wednesday November 12th 2014 07:00:07 AM
g: 0 Posted By: codename47
Views: 102 Replies: 2 After reading about folks having the cops called on them trying to buy prepaid cards and all the hassles with that, I am wondering what sort of products/services people would be interested in that are churning for CC rewards and such without much trouble.

For example, if you could buy vanilla reloads or green dot cards without any hassle and say get a money order back for the proceeds would that be of interest?

What is the manufacture spend crowd looking for?
Discussion Deals
Ipad Mini 2 16GB Refurb @ Costco Morrow, GA $209
Added on : Wednesday November 12th 2014 04:00:04 AM
g: 0 Posted By: AlwaysFrugal
Views: 90 Replies: 0 This is one of the better deals on the Ipad Mini 2 (retina display) 16gb white $209 plus tax. This is a refurb but it has the apple warranty and also the Costco warranty.Costco's business center in Morrow, GA. They also had the Ipad Air refurbfor $299 but was sold out. Had ipods but didn't pay much attention to those prices because I had no interest. I had been looking at the mini2 with 32gb at Costco for $334but decided on this one instead and very pleased with my purchase.
iPads Deals
ethics of manufactured spend: who loses?
Added on : Wednesday November 12th 2014 03:00:11 AM
g: 0 Posted By: catanpirate
Views: 56 Replies: 1 A thought expirement. Old catanpirate applies to a credit card with a 50k frequent flyer signup bonus, with the intention to close the card after the bonus is received, and is approved. Catanpirate receives the card in the mail, heads down to his local grocery store and buys several thousand dollars of VR. Catanpirate returns home and loads VR onto his BB. Catanpirate logs on to his BB account, and pays his new credit card bill - or simply withdraws the funds into his checking account after he sets his new credit card to autopay balance in full.

I'm getting scrupulous. May get red for it. I've kind of decided to find whether I'm okay with continuing to do this. The returns are large, I know.

Who wins and loses in the above scenario?

Catanpirate: wins big. For the cost of a hard pull, he gets two round trip tickets. He doesn't even need the cash on hand to cover the transaction (though this is not advised), since his credit card payment from BB will post even before the credit card transaction is finalized. He can certainly pay off the balance before the statement closes if he wanted to.

Grocery store: unharmed?I don't believe the grocery store is harmed. There is a transaction fee charged by the credit card for the VR. Frankly, I'm ignorant into what goes on with marketing and so forth between VR and its vendors, and credit card companies and stores that use their payment services. The person at the register or customer service desk could be harmed if they are "conned" into proceeding with a transaction that catanpirate knows is against their store policy.

Credit card company: loses?I know that they plan for this, someone signing up for the rewards and then canceling. It's all part of their marketing strategy. I don't know too much about this.

Airline: loses?How can catanpirate receive two round trip tickets without having to pay anything for them? Does the credit card company pay for these? If so, then the cc co. loses quite hard.

VR: unharmed?I don't think VR cares with how it's used. The trouble is that it seems so unregulated that I'm sure that it is used very frequently for illicit purposes (ie money laundering, trafficking, funding crime and badness, etc).

BB: loses?Catanpirate is not using BB the way Amex wants him to. He is not generated revenue by making purchases. He's not obligated to do this, of course. He is basically using BB to move money around.

Anyways, thanks for humoring me. I'm trying to think this through. I'm guessing there aren't a lot of people on FWF who object to doing MS.
Discussion Deals
g: 0 Posted By: remick
Views: 55 Replies: 0 http://www.amazon.com/gp/product/B00FOFX7OW/

"Raspberry Pi Programming Guide" is a text that gives the reader a bit of insight into this form of technology. It is European based and is just making a debut in North America so many are curious about it and what exactly this technology can do. The aim that the author has with this text is to highlight the main functions of Raspberry Pi and how it can be beneficial to the consumer in the long run. The text is extremely informative and to the point and it is simple to read. The great thing about the book is that anyone, even someone who does not know much about this form of technology can understand the process. It is a great text to have in any household that has a keen interest in technology.
Estate Plan for a father of two
Added on : Tuesday November 11th 2014 04:00:30 PM
g: 0 Posted By: kgkg
Views: 73 Replies: 0 Dear all,

I think that using the word "estate" may be wrong because definitely I am not going to hit the estate tax. I am 37, married, live in NY state, have a 2 and half year old and another one on the way. I have a term life insurance with my wife as the sole beneficiary. The term life insurance can completely cover the mortgage of my home and two kids' 22-year education costs in public schools. All my bank accounts are co-owned by my wife with the right of survivorship. I will also finish the advanced directive and durable power of attorney for health care. The sole beneficiary of my IRA and 403b is my wife.

My question is what else I should do? Should I get a will and a trust? Thank you all very much!
Question Deals
g: 0 Posted By: ahecht
Views: 216 Replies: 0 I don't work forPolar Bear coolers or anything like that, but I am a huge fan. I got a 24-pk one as a gift, and since then I've purchased the 6 and 48 as well.They are the best soft coolers I've ever used. I've gone shopping and put frozen food in them at 11am, left it in the car while I did other errands, and all the food still had frost on it when I unpacked it at 5pm. They're much more durable than other cheap coolers I've purchased, and they're the only brand I've used that hasn't developed leaks or tears in the lining over time.

As they usually do this time of year, they are running a 2 for 1 deal (which is really 50% off when you buy two or more items, due to the way theirwebsite works). You can mix and match thedifferent sizes and they're all half off it you buy more than two.
In appreciation of your continued support, we would like to offer you our Friends and Family Holiday Special 2 for 1 Deal. Now through December 20th you, your family, and friends will receive 2 coolers for every 1 cooler you purchase. Included in the deal is the all new elite Polar Bear H2O line (pictured above) as well as the Mossy Oak hunting line.

Here's how it works: click www.polarbearcoolers.com,fill your cart with ALL the coolers you want. Once you have them ALL in your cart, go to checkout, type in coupon code 2112 and click "REDEEM COUPON". ALL the prices of the COOLERS will be cut in half. This 2 for 1 offer is valid NOW 'til December 20th, or while supplies last.

This is our biggest event of the year and it's our gift to YOU, our loyal customers. The holidays are just around the corner. Start your shopping early and get 2 gifts for the price of 1 or 6 for the price of 3. NO QUANTITY LIMIT! We can guarantee your friends and family will enjoy years of performance from their Polar Bear Cooler.

Also, don't forget to get your coolers PERSONALIZED! Polar Bear Coolers offers full service embroidered monogramming on all of our coolers (H2O line excluded). Whether you choose initials or a nickname, a personalized cooler means no one can get away with trying to steal your awesome new cooler!Are you a business owner? Corporate branded coolers make excellent holiday gifts for both employees and clients. Just send us a jpeg of your logo and we'll send you back a layout and quote.



Sports & Outdoors Deals
g: 0 Posted By: ragingwookiee
Views: 94 Replies: 0 Garmin nuvi 2597LMT 5" Bluetooth GPS w/ Lifetime Maps,Traffic -- $129.99 + FS at eBaynuvi 2597LMT arrives loaded with detailed maps of North America. With free lifetime map updates, your routes are sure to reflect the most up-to-date maps, POIs (points of interest) and navigation information. New maps are available for download up to 4 times per year, for the life of your device, with no fees.With so much data, nuvi 2597LMT makes it easy to find addresses and millions of POIs such as businesses, stores, restaurants and other destinations. nuvi 2597LMT arrives preloaded with POIs, so there s no need for you to enter that address information. Just select one or many and navigate there, quickly and easily. You also have the ability to add custom POIs to your nuvi 2597LMT.
GPS Deals

eBay Coupons
g: 0 Posted By: ajk23
Views: 72 Replies: 0 From my research (I am in PA), If we do a conventional 30 yr loan with 20% down, I am reading we can get a max 5-6% back at closing as seller's assist. My wife confirmed this with our mortgage broker. However I am also reading that this cannot come out of our down payment, which would mean we can't possibly get that much back. (I do realize I am going to have to contact my broker again to explain this to me, but in the meantime I figured I would ask you find folks)

Here is my scenario - offering 344,900 on a house + 4% towards closing costs. Using everyhome.com as a guide, our costs break down as:

Sale Price = $344,900
Down Payment20.00% = $68,980
All other taxes, fees, etc = $10,764
Sub-Total79,744
Seller Assist (4%) = $13,796

Is this allowed? Our broker says we can get approx 5-6% back but even 4% eats in to our down payment, right? Or am I understanding this incorrectly?

Thanks for any help you can give!
Personal Finance Deals
HOT! Kellogg's Family Rewards: 3,000 free points (6 500-point codes)
Added on : Tuesday November 11th 2014 03:00:09 AM
g: 4 Posted By: MrVietnam
Views: 221 Replies: 2 I saw this posted over at sd. I am not sure what these codes are from, but each one nets you 500 points:

YWB1-4F47-X9ML-TZJ3
Z5B1-474N-6ZML-T7JJ
k7pj-bt1h-mt7m-t4t6
YJ9J-BH16-HTHM-QXXG
fkpj-bg1x-mtqm-1417
Q9JJ-BJ1R-HT4M-VXJX

After entering the codes and looking back at my points history, the points post as "Get Started Bonus Code."

After doing a little research, evidently these are codes that have been e-mailed to select people with the subject heading "We Miss You So Much! Something Extra-Special Inside." (Some of these e-mails are from last July.) They don't follow the usual pattern for multi-use codes, but they are. Perhaps they were not intended to be a multi-use code but there may be a glitch. Who knows?


A poster from sd and a little food for thought:

"How many 500 points codes do you think we can enter before they catch on and take them away? I'm okay with if they just take them away like Purina did on the perks when we entered codes that we shouldn't but I'm not okay if they lock my account - hmmmm - decisions, decisions on when to stop......"
Totally Free Deals
Peanuts Mini-Book Kits for $3.99 + free shipping @ thatdailydeal.com
Added on : Tuesday November 11th 2014 01:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 50 Replies: 0 http://meatball.thatdailydeal.com/home.php?id=39768

I'm sure you've seen these little "mini-books" at your local book store. Well if you haven't, know that they are much more than a little book. These fun "kit" come with a variety of collectible items from some of your favorite characters, comics or shows.
Each have a retail value of $9.95.

Because you're awesome and we love you, you can get your favorites for just $3.99 and we'll even ship it to you for free!

Collectible and fun!
More than 50% off of retail
GREAT stocking stuffers

These are $9 - $10 on Amazon
Books Deals

Amazon Coupons
9 Free Kindle Books of Smoothie Recipies or Info
Added on : Monday November 10th 2014 01:00:06 PM
g: 1 Posted By: keithdt
Views: 174 Replies: 0 I looked these up because I wanted some smoothie recipes. These are the ones I picked for myself without spending too much time evaluating. I tried to pick ones that ranked high in customer rating or popularity. There are others available.My interest is mostly for healthy smoothies. There are also some free ones for weight loss and detox. If you're interested in those do an advanced search in kindle books with title of "smoothie" and whatever item is important to you. It's possible some of these have been posted as freebies before. I don't know as I've just developed a sudden interest in smoothies. Just thought someone else might appreciate these.

Essential Smoothies: 50+ Smoothies That Will Boost Your Energy And Improve Your Health, Quick & Easy, Step-by-step
http://www.amazon.com/dp/B00P8H9LBY/ref=pe_385040_117923520_TE_M...

101 Healthy Smoothies: Including Gluten and Sugar Free Recipes
http://www.amazon.com/dp/B00D0YUK1M/ref=pe_385040_117923520_TE_M...

The Daniel Fast Smoothies: Easy, Quick, and Delicious Daniel Fast Smoothie Recipes
http://www.amazon.com/dp/B00I25JSXA/ref=pe_385040_117923520_TE_M...

Paleo Smoothies: Gluten Free Dairy Free Smoothie Recipes for Health and Weight Loss... that Taste GREAT!
http://www.amazon.com/dp/B00ICYALXC/ref=pe_385040_117923520_TE_M...

43 Paleo Smoothie Recipes - Simple & Easy Paleo Smoothie Recipes
http://www.amazon.com/dp/B00GZ8P52E/ref=pe_385040_117923520_TE_M...

Green Smoothie Revolution: Simple Tips, Strategies and Recipes for Beginners Wanting to Create Delicious, Natural Green Smoothies
http://www.amazon.com/dp/B00OJ518A8/ref=pe_385040_117923520_TE_M...

BEST GREEN SMOOTHIE RECIPES: Healthy Green Smoothie Recipes
http://www.amazon.com/dp/B00M6JGDW2/ref=pe_385040_117923520_TE_M1T1DP

101 Juice Recipes Plus 33 Smoothie Recipes For Weight Loss & Vitality: Delicious juice and smoothie recipes for transitioning to a healthy lifestyle
http://www.amazon.com/dp/B00K704H98/ref=pe_385040_117923520_TE_M...

Blending For Beginners: Teach Me Everything I Need To Know About Blending In 30 Minutes
http://www.amazon.com/dp/B00PEC2E6W/ref=pe_385040_117923520_TE_M...








Totally Free Deals
Honey-Can-Do 4-Tier Closet Accessory Shelf $14.68 FSSS @ Amazon
Added on : Monday November 10th 2014 01:00:03 PM
g: 0 Posted By: Dotbody
Views: 140 Replies: 0 Much better than those shoe organizers that balance your shoes on 2 sloped barsand it can be used for other types of storage too.

4 shelves for an abundance of storage
Durable steel construction
Easy to assemble
Limited lifetime warranty
Item dimensions: 25X12X28-Inch

http://smile.amazon.com/gp/product/B001F51ADK/

Lowest price in a while, and certainly cheaper than any similar product by $5 to $15 bucks.
Furniture Deals

Amazon Coupons
PCGS/NGC proof coins and rare coins
Added on : Sunday November 09th 2014 09:00:17 PM
g: 0 Posted By: Greatness
Views: 45 Replies: 0 I never really dabbled in coins, however, I've started to do so with Heritage, JMBullion and Kitco. I have purchased some rare pre-1933 coins in MS-65 or greater as well as MS-70 gold and platinum coins from previous years. I did look up the prices in the guides and did research. However, I do not understand why the first strike MS-70 proof coins from previous years (even 2013) are selling for significant sums over what 2014's are selling for. Yes, I understand there is only a certain amount made each year, but for MS-70 gold and platinum coins an oz is an oz. No? How much more of a premium can be placed on a coin that was struck in 2013, 2012, 2011, etc. when compared to 2014. Just because they are older mintages, they by default, go up?

If anyone can clarify this, I would appreciate it.


Thank you.
Investing Deals
Starts November 19th - Kroger 4X Fuel Points on Gift Cards
Added on : Sunday November 09th 2014 11:00:07 AM
g: 0 Posted By: Connman
Views: 119 Replies: 0 Showed up with the Checkout Coupons today - not much more to add at this point, other than "Restrictions Apply. See store for details".

The Checkout Coupon notice showed Best Buy, iTunes. Google Play Store and Kohl's Gift Card. Safe to say that is just an example of what will be included in the deal.

http://giftcards.kroger.com/
Grocery Deals
Graduated, found a job. Now what?. Advise with handling money please.
Added on : Sunday November 09th 2014 10:00:04 AM
g: 0 Posted By: partyallnight
Views: 102 Replies: 6 Finished my PhD earlier this year. Graduated, got a job that took me from a Professor's monthly stipend to some thing like $130k per annum.

My life style never changed. I am still going to live with room mates atleast for a while, in the same college town. Food habits improved a bit. Still driving the old beater car, sharing fuel costs with room mates for grocery purchases. No girl friend or wife, none in the near future at least.

For the first time, my bank account has actually started to grow. I am saving literally around 50% of my pay check. Maybe in the future after room mates graduate and move out, I might not look for new ones and my rent amounts might increase, but still. I like seeing numbers in my bank account I have never seen before.

I have been browsing FW forums for a while. Haven't really seen any suggestions on what to do with money. Everyone says you should try and save etc etc, but nobody says where the savings goes.

The bank where I store my money has a savings account that offers 0.05 % or something like that. Might as well just keep the money in my mattress, right?

I am asking because I want your suggestions on whether I should open a new bank account, whether I should do something else (no credit card balances or student loans, so I don't owe any one at the moment. Not planning on taking out any car loans / house mortgages for now either). Where do you guys keep your excess money? I don't know much about stocks, and I understand Boggleheads is a good place to learn. But I don't want to start having fun with stocks till I build what I see everyone call a "nest egg".. but where exactly does this "nest egg" get stored? (I am closing to having 5 months worth of living expenses in my bank, the way I am living right now).

Any suggestions? Keep it in my checking account till I get enough to invest in some thing big? Go for one of those online savings with 1% returns? It seems like everyone is putting their money to work, and I am just missing something. What am I miss?
Investing Deals
Buy One Ice Cream, Get One Free from Cold Stone Creamery
Added on : Saturday November 08th 2014 08:00:08 PM
g: 0 Posted By: ehayco
Views: 153 Replies: 0 Buy One Get One Free

Join their eClub and get TWO CREATIONS FOR THE PRICE OF ONE, plus much, much more!
Please don't forget to print out the coupon, because you need to give the printed coupon to claim your free ice cream!
Restaurants & Entertainment Deals
Borderlands 2 (PC Digital Download) $3.85 A/C @ Greenman Gaming
Added on : Saturday November 08th 2014 03:00:08 PM
g: 0 Posted By: ctgolfer
Views: 139 Replies: 0 use coupon code: 23XGMG-SLICKD-EALSXX

Key Features

All-New Characters and Classes:

Four all new playable classes including the Siren, the Commando, the Gunzerker and the Assassin. Step into the role of the Gunzerker, whose highly deadly skills allow him to dual-wield any two weapons found in the game. Not only that, you will build on that skill to do more things with two guns than you ever imagined possible. Dual machine guns? Cool. Dual rocket launchers? Of course! Dual Sniper Rifles? Sure, if thats your thing! Want to try other styles? More tactical perhaps? There are multiple classes to choose from!

Play Online with Friends:

Share your adventures with friends both online and via LAN through a seamless system enabling you to drop in and drop out of a campaign without ever having to restart the game.

World Connected Story:

Left for dead in the frozen tundra of Pandora, begin your quest of revenge and redemption as the story drives you closer to the Hyperion Corporation and its evil founder, Handsome Jack.

New Badass Gun System:

Millions upon millions of possible weapons means tons of new and innovative ways to engage foes on Pandora. Fire, electricity, corrosive acid, and more will all be at your disposal.

87 Bazillion...Everything:

In addition to the new gun system, you will lust after procedurally generated shields, grenades, Relics, class mods and much, much more. And you thought the original Borderlands had a ton of loot!

Brand new environments:

From the arctic tundra, through the dangerous grasslands, past the mysterious corrosive caverns to beyond, discover more of the unpredictable world of Pandora at every turn!

Brand new enemies:

Hulking, gorilla-like Bullymongs, vicious predatory Stalkers and the Hyperion mechanical army, run by Handsome Jack, are just some of the new enemies you will face.


www.greenmangaming.com/s/us/en/pc/games/rpgs/borderlands-2-na/
Video Games Deals
Federal Chartered vs State Chartered Credit Unions
Added on : Saturday November 08th 2014 01:00:07 PM
g: 0 Posted By: noelandres
Views: 47 Replies: 0 FWF experts,

I got a letter from my credit union asking to vote to convert the CU to a state-chartered credit union. I didn't know anything about the differences, and a Google search doesn't yield much info. From the letter, the change will allow the CU to expand more into the state (more members), and they said it will also lower the costs of "regulatory supervision". I guess those are the PLUSES. But from my Google search, it seems state-chartered CUs can drop insurance through the NCUA (federal insurance) and go through a private insurer. Not that this CU will do that, but that is something they can do.

I guess I want to make a more informed decision. I'm guessing a lot of you guys have gone through this process. So I'm hoping you can share your experiences here.

Thansk,
Andres
Question Deals
g: 0 Posted By: Reots
Views: 150 Replies: 0 These are the Aston Martin Vantage of Flashlights, compact yet packing plenty of power. If you've never owned one Nitecore flashlights have excellent build quality and will last a lot longer than the cheap knockoffs.

https://www.massdrop.com/buy/nitecore-tm-flashlights

The basic TM11 goes for close to $200 normally at Amazon, the other choices for even more

TM11 $119.99 ($186 at Amazon)
TM15 $159.99 ($300)
TM26 $189.99 ($290)
TM36 $369.99 ($400)

You can also order protected 18650Olight 3.6V, 3400mAhin a 4 pack for $45, which is $5 off the best price on Amazon for quality LI-ion batteries. Trustfires might be cheaper but they have a much greater chance of exploding or delivering poor performance, you don't want 4 of them in a pricey flashlight.

.


Sports & Outdoors Deals
B2G1 Free Mascara - Nordstrom Semiannual Event - Today Only - FS or BM
Added on : Saturday November 08th 2014 01:00:17 AM
g: 0 Posted By: fivetalents
Views: 159 Replies: 0 Note: Whenever I post this deal on FW, there are lots of lookers but pretty much no response whatsoever. I know of no other way to regularly save 33% on full-sized premium mascaras from the major brands that otherwise never go on sale. Absent any feedback from you folks this time, I will take the hint (finally) and this is the last time that I post this deal here. TY.

Nordstrom's much anticipated buy 2, get 1 free mascara event is today only,online or in stores Saturday, Nov 08, 2014. The free mascara must be selected from a list of 177 qualifying products (two more than last year). Prices start from $6 again. The cost of the free/lowest-priced mascara will automatically be deducted at checkout, so pick 3 items of similar cost to maximize savings.Unlike previous years, there is no stated limit of 1 per person, no code is required online, and there is a greatly expanded selection of qualifying items (including more less expensive options).

"Mix and match three mascaras from your favorite brands, and we'll automatically deduct the cost of the lowest-priced mascara in Checkout. No promo code required. Excludes lash primers, serums, enhancers and mascara sets. Free mascara can only be shipped to the same destination as your order and cannot be shipped to international addresses. If you return the qualifying item(s), please return the gift as well."

Bonuses/Ways to Sweeten the Deal:
- Many brands (like Clinique's 7 piece bonus) currently have free gifts with minimum/select purchasepromotions going on so you could get some very useful free stuff based on the brand of mascara you buy (see each brand for terms/minimum purchase criteria).
- Mac has a recycling program where you get a free product of your choice(e.g., lipstick) for bringing in 6 empty containers of any of the same type of product... so this deal can get you halfway to a Mac freebie (or all the way if you do it twice).
- All cosmetics orders get 3 free makeup sampleswith any online makeup purchase.
- FREE SHIPPING (no minimum required) . FREE RETURNS. ALL THE TIME. (Standard Shipping on Nordstr0m.com, not available for international orders)
Makeup Deals

Nordstrom Coupons
g: 0 Posted By: ragingwookiee
Views: 124 Replies: 0 FloorMate SteamScrub Pro Hard Floor Steamer -- $48.00 + Store Pick at The Home Depot

Sanitizes, kills and removes 99.9% of harmful bacteria on sealed hard floor surfaces, with steam alone
4-variable steam settings allow you to easily deliver just the right amount of steam for tile, vinyl, sealed hard floors and carpet
SteamStream technology provides a direct steam spray for tough stains and hard-to-reach areas
Tile and grout scrub brush that lifts away to cut through the heavy stains
Twin Tank Technology provides a clean water tank and a separate solution tank to make steam cleaning easy with optional solution
Large capacity tanks combine to hold 26.6 oz. of water and cleaning solution
Trigger Controlled Steam lets you choose how much steam you need for multiple floor types
Lightweight design weighs less than 7 lbs. so you can maneuver with ease

Appliance Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 Select PowerShot models feature built-in Wi-Fi wireless technology making captured images and HD videos available easily for effortless sharing to friends and family. Compatible with Wi-Fi (802.11 b/g/n wireless standard), these cameras can connect with compatible home networks or to wireless access points. You can easily share your images and videos by signing up on CANON iMAGE GATEWAY* -an online service that lets you store images to an online album, and share your images on Facebook, Twitter, and YouTube. Upload images virtually anywhere, via your iPhone, iPad, or iPod touch mobile devices by installing the free Canon CameraWindow app (The Android app is under development). This app makes it easy to select and save images stored on your iOS device and upload them to social networking sites, or email. Even without a mobile device, it is possible to send images to a PC, or even transfer images between Wi-Fi enabled PowerShot cameras.

Slim Design
Perfectly flat and just 0.78 inches thick, the PowerShot ELPH 530 HS digital camera is a testament to fine design's power to thrill.

28mm Wide-Angle Lens with 12x Optical Zoom
You'll love the dynamic excitement the camera's lens brings to your photography. Expansive scenes can now be captured in their entirety thanks to the 28mm Wide-Angle Lens. And the 12x Optical Zoom (35mm equivalent: 28-336mm) lets you access close-ups of distant subjects with all the clarity of Genuine Canon Optics.

Optical Image Stabilizer
Handheld shooting can often lead to camera shake, making photos and videos blurry. Canon's Optical Image Stabilizer is a sophisticated system that uses lens-shift technology to correct for unwanted camera movement.

Canon HS SYSTEM
The Canon HS SYSTEM lets you take bright, clear photos in an even wider range of shooting situations. Beautiful low-light shots are possible with minimal noise and maximum detail in highlight and shadow areas. The system is the result of two technologies brought together in PowerShot cameras: a high-sensitivity imaging sensor, which is able to capture more light; and the DIGIC Image Processor, which actively reduces noise with high-speed image processing.

Canon DIGIC 5 Image Processor
The latest-generation Canon DIGIC 5 Image Processor brings phenomenal increases in processing speed and power. Enhancements include improved chip architecture and algorithms, improved noise reduction and enhanced i-Contrast performance. The faster processing speed also results in faster continuous shooting capability. The DIGIC 5 Image Processor also makes possible a new, highly advanced automatic white balance system.

Canon Full HD Video Advantage
In addition to the Canon HS SYSTEM, the combination of the advanced CMOS sensor and DIGIC 5 Image Processor in the PowerShot ELPH 530 HS makes it possible to shoot crisp, clear high definition video. In addition to being able to shoot Full HD 1080p video at 24 frames per second, the PowerShot ELPH 530 HS can also shoot 720p HD video at 30 frames per second.

Touch Panel LCD with Touch Shutter
The PowerShot ELPH 530 HS features touch panel technology that makes using the camera more intuitive and fun. Simply touch the screen to choose and track an AF point, change camera settings, record and play videos and much more!

Smart AUTO
Smart AUTO for the PowerShot ELPH 530 HS makes it easier than ever to capture sharp, bright, Colorful Images and videos. By assessing various factors in both the background and the subject, the system recognizes 58 predefined shooting situations.

Intelligent IS
Intelligent IS analyzes camera movement and applies the best shake correction method for the shooting situation.


Black
http://shop.usa.canon.com/shop/en/catalog/cameras/refurbished-po...

White
http://shop.usa.canon.com/shop/en/catalog/cameras/refurbished-po...
Cameras Deals

Canon Coupons
rent increase in bay area
Added on : Friday November 07th 2014 02:00:11 PM
g: 0 Posted By: saratang168
Views: 99 Replies: 4 I live in the bay area, CA. The yearly rent increase is less than 10% for the past few years. For this year, the rent increase is 21%. The property management said this is based on the rent estimate from the Zillow website.
Is this the right way to increase the rent that much? I am thinking this might be the property management proposal to raise this much instead of coming from the home owner originally. Will it be better to rent a home from the home owner directly instead of renting from a property management firm?

Question Deals
Metro 2033 free (PC) (Steam)
Added on : Friday November 07th 2014 01:00:09 PM
g: 0 Posted By: WikiPuka
Views: 169 Replies: 0 Come get your free PC copy of Metro 2033until 11/8 @ 10 a.m. PST

Do yourself a favor and get on this asap. The deal only goes on for the next 19 hours.

The Humble Store is one year old today, and to celebrate there will be a number of sales on certain PC games, but the better news is that the excellent Metro 2033 will be free to anyone who shows up for the first 24 hours of the sale. You just need to log in and redeem your free copy of the game.Here are the other deals:

75% off Sonic Hits Collection
50% off Banished
75% off Batman: Arkham Origins
80% off Crusader Kings II Collection
and much more!

Those are good deals, but a free copy ofMetro 2033is the real draw. This isn't the Redux version of the game,but the original still provides a sense of desolation and despair that's rare in modern games, even if the shooting itself can feel a bit flat. There's a reason it's so well regarded despite its flaws, and this is a great chance to see for yourself.


Totally Free Deals
Metro 2033 (PC) free
Added on : Friday November 07th 2014 12:00:11 PM
g: 0 Posted By: WikiPuka
Views: 3 Replies: 0 Come get your free PC copy of Metro 2033 until 11/8 @ 10 a.m. PST

Do yourself a favor and get on this asap. The deal only goes on for the next 19 hours.

The Humble Store is one year old today, and to celebrate there will be a number of sales on certain PC games, but the better news is that the excellent Metro 2033 will be free to anyone who shows up for the first 24 hours of the sale. You just need to log in and redeem your free copy of the game.Here are the other deals:

75% off Sonic Hits Collection
50% off Banished
75% off Batman: Arkham Origins
80% off Crusader Kings II Collection
and much more!

Those are good deals, but a free copy ofMetro 2033is the real draw. This isn't the Redux version of the game,but the original still provides a sense of desolation and despair that's rare in modern games, even if the shooting itself can feel a bit flat. There's a reason it's so well regarded despite its flaws, and this is a great chance to see for yourself.

Loyal3 eliminating credit card funding 12/11/2014
Added on : Friday November 07th 2014 11:00:06 AM
g: 0 Posted By: Waffles
Views: 109 Replies: 1 Loyal3 said: Hi Waffles,
We've had an amazing 2014, introducing more IPOs to the general public than ever before - with brands such as Santander Consumer USA, GoPro and Dave & Buster's. And we've added many new stocks, including most recently, Kraft Foods.

Through the success, we've also learned a lot about how people use LOYAL3. Credit cards have become a common method for people "gaming" LOYAL3 to gain credit card points and not for the purpose of investing. This increases our costs and subtracts from our mission of making it easy, affordable and fee-free for people to invest in the brands they love.

In order to put an end to the "gaming" of LOYAL3, and to maintain fee-free investing, on Tuesday, 11/18/2014, we will be removing credit and debit cards from the LOYAL3 platform. Automatic Monthly Plans (monthly recurring investments) using credit and debit cards will continue to be active until Thursday, 12/11/2014, to allow time to switch over to ACH (checking account transfers).

Well that was a good run. How much did you churn through Loyal3?
Discussion Deals
Free Thanksgiving Oven Mitt - FB YMMV
Added on : Friday November 07th 2014 03:00:09 AM
g: 3 Posted By: remick
Views: 159 Replies: 2 https://www.facebook.com/pages/The-Daily-Hoot/280071075462786?sk...

YMMV - Fairly new company / not much is known about them
Totally Free Deals
DiscountMags has Golf Digest Magazine today only for $4.50 A Year
Added on : Friday November 07th 2014 02:00:10 AM
g: 0 Posted By: TheBishoff
Views: 126 Replies: 0 DiscountMags has Golf Digest Magazine today only for $4.50 A Year with Promo Code 4403. This is more than 90% off normal price. You can get multiple years if you like. I like DiscountMags because there is no auto renewal. Full digital access is also included at no extra cost.Improve your game with Golf Digest. Subscribe now to get instruction from the game's hottest pros - Ernie Els, Justin Leonard, Phil Mickelson, and Tiger Woods. Golf Digest gives you more and better tips than any other golf magazine. In every issue you'll get two tear-out sections - Basics, a refresher on fundamentals, and Pocket Tips, a review of the issue's best tips. You'll also get equipment reviews, America's greatest 100 golf courses, feature stories, and much more.

http://www.discountmags.com/?CJPID=7683057
Golf Digest Deals

DiscountMags.com Coupons
75% off Dri Duck Powerfleece Hooded Jackets @ fieldsupply.com
Added on : Thursday November 06th 2014 06:00:03 AM
g: 0 Posted By: Deals4mykids
Views: 23 Replies: 0 If you don't grab this deal, Ill have no choice but to sit you in the corner and place the proverbial dunce cap on your dome. Dri Duck powerfleece jackets bring supple softness like you read about. All for a lousy 20 bucks. Wake the Quakers!

Dri Duck Crossfire jackets make a cold day that much easier. Highly functional, extremely durable, and exquisitely comfortable, Dri-Duck hooded jacs are crafted from an 11oz. heavyweight blend of 80% cotton and 20% poly fleece shell with a supremely soft and cozy textured thermal lining throughout.

Theres no breaking-in period the comfort fit brings the cozy right from the jump. Extra warmth and extreme comfort with a highly durable exterior. Features include articulated elbows, triple-needle stitching, heavy-duty metal zippers, 3-piece hood, interior phone pocket and exterior handwarmer pockets.
This is your new go-to jacket.

Worth every bit of the $79-$89 regular price, its all yours starting from $19.99. Do it.

http://www.fieldsupply.com/dri-duck-powerfleece-jackets-75-perce...
4TB Western Digital Green at Newegg for $129.99 with code (YMMV)
Added on : Thursday November 06th 2014 03:00:14 AM
g: 0 Posted By: VWSpeedRacer
Views: 207 Replies: 0 Got an email titled "Exclusive Black November Guest List: You Have Been Invited to Save HUGE." As much as that's usually make-you-feel-special hype, turns out a couple of my friends didn't get it so YMMV.

Insidewas a one-time code forWD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drivethat brought the price down to $129.99, which is the lowest I've seen yet (been watching for months waiting for it to drop.) There are some other good deals in there too, but I've got to save money for the kids's Christmas.

Codes was good yesterday and today.Good luck, and save big!
Hard Drives Deals

Newegg Coupons
Free American Prisoner Pack for Assassin's Creed Unity
Added on : Wednesday November 05th 2014 06:00:03 PM
g: 0 Posted By: remick
Views: 87 Replies: 0 http://assassinscreed.ubi.com/en-US/news/assassins-creed-first-l...

Sign Up Now and Get the American Prisoner Pack - Free!

Join us Friday November 7th from 9am 6pm (PST) for the biggest livestream launch event in Ubisoft history. Get an exclusive first look at Assassins Creed Unity with gameplay and commentary from your favorite YouTube and Twitch personalities. Well have Q&As with developers, trivia, giveaways, and much much more.

Tune in to be among the very first to see live uncut gameplay of both single player and co-op as well as deep dives into customization, side missions, and exploration of everything Paris has to offer.

RSVP below and youll not only get a reminder when the livestream starts youll also unlock exclusive in-game content including the two exclusive weapons, The American Prisoner Mission, and more just for signing in.
Totally Free Deals
Free Kindle Survival-Pantry-Preppers-Preserving-Supplies-ebook
Added on : Wednesday November 05th 2014 04:00:10 PM
g: 0 Posted By: imanemokid
Views: 27 Replies: 0 Free Kindle Survival-Pantry-Preppers-Preserving-Supplies-ebook

http://www.amazon.com/Survival-Pantry-Preppers-Preserving-Supplies-ebook/dp/B00L1HHDP6/

Survival Pantry - The Prepper's Secrets to Food Storage, Water Storage, Canning, and Preserving
(Survival Pantry, Preppers Pantry, Prepper Survival, Survival Guide, Preppers Guide, Preppers Supplies) [Kindle Edition]

55pg (so don't expect much) / reg $2.99 /
Best Buy Mystery Award between $5 - $5000 Check Your Email
Added on : Wednesday November 05th 2014 12:00:17 AM
g: 0 Posted By: remick
Views: 188 Replies: 0 It's no mystery how much we appreciate you being a My Best Buy program member.
1. You must print this page to scan your Mystery Reward certificate in store. (Barcodes cannot be scanned from a mobile phone.)
2. Bring the Mystery Rewards certificate to your nearest Best Buy store by 11/11/14. Ask a Customer Specialist to scan it to reveal the value. If the value of the Mystery Rewards certificate is:
$5 to $500, you may redeem it immediately through 11/11/14 at participating Best Buy stores (not valid online)
250,000 My Best Buy points (that's $5000 in My Best Buy certificates), please call the toll-free number printed on your receipt by 11:59 PM local time on 11/17/14.
3. Redeem your certificate in a single transaction with a total purchase price equal to or greater than the value of the certificate.

Redemption Restrictions: Offer Certificates valued $5 to $500: (a) are redeemable, subject to verification, in one positive transaction for a discount off future purchases of products/services equal to or greater than revealed value (excluding tax); (b) are redeemable in Best Buy, Best Buy Mobile or Magnolia Design Center stores located in 50 U.S./D.C. (excluding P.R.) during normal store hours before store closings on 11/11/14; (c) are not valid for online purchases; (d) are not valid at Pacific Kitchen and Bath stores located in Best Buy stores or Pacific Kitchen, Bath and Electronics stores; (e) must be presented at time of purchase; (f) are valid for one-time use only; (g) cannot be used toward purchase of Best Buy gift cards, taxes, shipping and handling; (h) are not redeemable for cash, no change given back on redemption; (i) are valid on in-stock items only, no rain checks; (j) are not valid on prior purchases or as payment on Best Buy credit card; (k) are not transferable and may only be used by member to whom issued; and (l) will not be replaced if lost, stolen or expired. No cash refunds. Other exclusions may apply. If you exchange your purchase for eligible products/services with a total purchase amount (excluding taxes, shipping and handling) equal to or greater than value of Offer Certificate, you will keep value of Offer Certificate. If you return your purchase for refund in form of payment originally used when purchasing products/services, value of Offer Certificate will be forfeited and refund will be less the value of redeemed Offer Certificate.
Services Deals

Best Buy Coupons
Neo Bourgeoise Metal lace and Embroidery Earrings are delicate, refined and radiant, evoking the scenery by Mucha and the Art Nouveau style. Hand enameled brass, rhinestones, faceted glass, freshwater pearls, glass pearls, coral beads and jade form a beautiful chandelier dangling from a large red strass post back stud. French design.
Neo Bourgeoise Asymmetrical Metal Lace and Embroidery Earrings are delicate, refined and radiant, evoking the scenery by Mucha and the Art Nouveau style. Hand enameled brass, rhinestones, faceted glass, freshwater pearls, glass pearls, coral beads, jade and large red strass post back stud. French design.
g: 6 Posted By: remick
Views: 330 Replies: 0 http://www.amazon.com/gp/product/B00D1W04X2

Are you happy with the way you work? Are you engaged, energised in the office? Or do you sometimes feel that your days are dominated by process and technology?

Reimagining business is about waking up to a new environment, based on collaborative and flexible working, on technology that, used correctly, liberates rather than constrains. The future of work must be based on being open, on focusing on results, not process and on empowerment, not hierarchy.
Dave Coplin, Chief Envisioning Officer at Microsoft UK, has been immersed in the technologies that are making waves in the workplace. This is his call to reimagine business.


also free

Lead: Strategic Management and Leadership for Innovators and Solopreneurs
http://www.amazon.com/gp/product/B00NRVWE3A

Managing your business is more than simply hiring people and making sure they do their job. Truth is if you hire well, whether its employees or a part time VA, you wont need to make sure theyre doing their job. Management is about seeing the big picture and being the person to make sure all the facets of an operation are moving together efficiently.

If you are ready to take your business to the next level and blow past the competition, effective management is the key to making that goal a reality. This book will give you a step by step 21 day plan to put the systems in place so your business can run smoothly and you can focus on what youre best at.

You will learn:
The basics of financial management and bookkeeping, if you screw this up your business is toast
Basic business financial analysis, do you know how much money youre making or losing?
How to determine if it is time to hire help, youll probably need to do this sooner than you think
The difference between outsourcing and hiring employees, there are massive legal and financial difference here and not knowing the difference runs you the risk of running afoul of the IRS
How to design a job and write a job description that people will have people competing to work for you
How to hire temporary, contract, or freelance help, the paperwork is SUPER important here
How to hire employees, you thought hiring contractors required a lot of paperwork, employees are a whole different ball game
How to map your business systems, this is actually a lot more simple that it sounds
How to identify and track business metrics, this is another concept that can sound scary but actually makes decision making for your business simple
What you need to do to protect yourself and your business from outsiders and from each other


Energy Suckers-How To Deal With Bullies in the Workplace
http://www.amazon.com/gp/product/B00HI3IWKW

The work world is full of bullies who criticize, blame, intimidate, and humiliate others. In a study of U.S. workers, 41% reported experiencing psychological aggression at work in the last year. Bullying occurs in every industry and every profession. It is estimates that more than two million professionals and managers are pushed out of their jobs each year by bullying. This comes at a cost to employers of $64 billion a year. Decreased productivity, absenteeism, low morale and teamwork are all outcomes of a toxic work culture.

In Energy Suckers, Barbara Bartlein gives you the tools to address workplace bullying in your organizations and Energy Suckers in your life. She shows you how to take charge with:

- The seven types of bullies and how you can handle them.
- How you can defuse and prevent bullying from happening.
- What you can do to protect yourself from becoming a Target.
- How to create a high performing workplace based on respect and civility.


Fast MBA: A 4-Book Collection for Anyone Seeking to Master the Art of Business
http://www.amazon.com/gp/product/B00L2OLOZ8

Fast MBA: A Collection for Anyone Seeking to Master the Art of Business includes four of the most popular books by well-known business author Can Akdeniz. The collection includes MBA 2.0: Handbook for Modern Business Practice, CEO School: Collective Wisdom of Top CEOs, Happy Company: How to Create a Happy, Trustable and Successful Business, and Go Nuts: The Art of Creativity and Innovation. By purchasing these valuable business guides as a set rather than individually, you will get all four for the price of three.


Born to Win: Find Your Success Code
http://www.amazon.com/dp/B006ZG5THW

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!


Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
http://www.amazon.com/gp/product/B00L9K6928

Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.
After reading this book, you will understand why powerful communication is so important to success in all areas of your life.

You will learn:
What communication should look like, and why it so often doesnt happen the way we think it should or did
Why active listening is so important, and how its an absolute goldmine of information
The role of body language, inflection, and tone of voice; and how it makes up more than 90% of how communication is received
How to build rapport and put people into a receptive frame of mind; no they arent Jedi mind tricks, they just work like them
How to determine personal communication styles; it doesnt matter how good of a communicator you think you are if youre alienating people with a different style than yours
Tips for using email and cell phones, and on giving and receiving feedback; so you dont blow up all of your hard earned progress

If you have big dreams and lofty goals, the key to getting what you want is being able to communicate effectively with the people who can help you achieve your desires.



101 Time Management Tips for Busy Entrepreneurs
http://www.amazon.com/dp/B0055T91Q0/

This is a short, tips-style book thats all content without the filler. You get more than 100 tips, techniques and strategies to help you get a whole lot more done in less time than ever before.

Youll discover how to maximize your time by setting goals and establishing priorities, focusing your mind of short periods, breaking larger projects into easily manageable tasks, and by overcoming procrastination -- once and for all.

Youll learn how to work smarter instead of harder... how to chunk down large projects and keep track in a team environment... how to run meetings smoothly and efficiently... how to get the most out of your most productive hours... and a whole lot more. Youll also learn how to gain an almost unfair advantage every singly morning when you hit the deck.

This little gem also shows you:

How to eliminate time-wasting habits and boost your productivity by default...
Make every day far more productive without working any harder...
The painless way to organize your paperwork so it actually serves you instead of burying you...
Simple little tricks to generate the highest returns on the time you invest...
How to kick the procrastination habit without therapy...
How to make every minute of your workday not only count but generate the kind of tangible returns only the top 5% of producers enjoy...



Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 136 Replies: 0 In order to prevent a grim future in which mutants and their human sympathizers are systematically hunted and killed by towering, unstoppable robots called Sentinels, wolverine (Hugh Jackman) travels back in time to change the course of history in this sequel that finds X-Men and X2: X-Men United director Bryan Singer returning to the helm. The film opens in a dark and desolate future that was set in motion in 1973, when brilliant scientist Dr. Bolivar Trask (Peter Dinklage) created a series of giant robots called Sentinels for the sole purpose of wiping out mutants, whom he claimed were a direct threat to the human race. Although initially programmed solely to Target mutants, the Sentinels soon began eradicating humans who possessed the DNA to breed mutants, and eventually, any mortal mutant sympathizers. Desperate, Prof. Xavier (Patrick Stewart) and Magneto (Ian McKellen) devise a plan to have Kitty Pryde (Ellen Page) send wolverine back to the year when Mystique (Jennifer Lawrence) assassinated Trask -- it turns out that Mystique inadvertently accelerated the Sentinel program when she was subsequently captured by Sgt. William Stryker (Josh Helman), who succeeded at harvesting her DNA to make the robots more powerful than ever before. Upon arriving in the past, wolverine quickly seeks out a much younger Charles Xavier (James McAvoy), as well as Beast (Nicholas Hoult) and Quicksilver (Evan Peters), and together they help break a young Magneto (Michael Fassbender) out of a heavily fortified prison cell hundreds of feet beneath the Pentagon. Meanwhile, with the help of Havok, Ink, Toad, and Spike, Mystique is already moving in for the kill. Although wolverine, Beast, Charles, and Magneto manage to thwart the assassination, Charles and Magneto once again find themselves at odds after the latter attempts to alter the plan at the last moment, creating a mass panic during a post-Vietnam War peace summit in Paris. And Dr. Trask, still fuming from having had the Sentinel program rejected by Congress, takes his proposal directly to President Nixon (Mark Camacho), laying the groundwork for an even darker future than the one wolverine was sent back to prevent.

Best Buy
www.bestbuy.com/site/x-men-days-of-future-past-blu-ray-3d-ultima...

Amazon
www.amazon.com/X-Men-Days-Future-Blu-ray-Digital/dp/B00K7IPGX6/
Blu Ray Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 35 Replies: 0 http://www.amazon.com/dp/B00E1O6VD6

4.9 out of 5 stars (88 customer reviews)

Randy Lewis bet his career that he could create an inclusive workplace at one of Americas biggest corporations where people with disabilities could not just succeed, but thrive. No Greatness without Goodness is the powerful story of a corporate executive who, after watching the world through the eyes of his own child with autism, Austin, realized that we all have a greater responsibility to make the world a better place for everyone, including those with disabilities.

As the Senior Vice President of Walgreens, Randy Lewis has created thousands of full-time jobs for people with disabilities. No Greatness without Goodness offers a firsthand account of what it takes to lead with courage in order to change peoples lives for the better. Randys motto is Whats the use of having power if you dont use it to do good. In this book, youll learn how to start working for good no matter where you are or how much power you hold.
Passwords and Spouses
Added on : Sunday November 02nd 2014 06:00:18 AM
g: 0 Posted By: VerbalK
Views: 27 Replies: 0 I've been slowly but surely bring my wife up to speed on where some of my various acorns are buried. I already sent up a joint email account, and started linking important stuff with it... like insurances, utilities, a major bank account, medical records.

But in the not that unlikely event that I get drunk and knock myself into a coma one night... what are some of the better strategies for making a emergency access contingency plan. I trust my wife, but I don't want her reading all my emails unless I'm in said coma, so I'd like a solution that provides total information access, but only in an emergency situation.

So what does FWF do? I considered getting a completely unused google account with a spreadsheet with all passwords and logon info, and place instruction for accessing in some secure area. I hate the idea of creating such a huge honeypot online, but not sure how else to do it where I could easily access and update it. I know there are pay services that provide similar services, though they seem like bigger targets, regardless of how much encryption they promise.
Discussion Deals
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/gp/product/B00GWT8DRU

4.8 out of 5 stars (25 customer reviews)

At first, Don Schulze wasnt sure he was really hearing from God . . . because what he was hearing didnt make sense. Could God really be calling him to leave a good career and a stable life to take his family on a journey of ministry across the country and around the world? And could Don trust God to take care of his loved ones on that journey? Would they trust and understand Gods call as well?

With a deep breath and a lot of faith, Don and his family took the leap and said yesstepping forward into what would become a lifelong quest to follow Gods calling. In A Life of Miracles, youll travel with this ordinary family across the years as you witness inspiring encounters with Goddramatic rescues, just-in-time provisions, amazing miracles of healing, and Gods surprising answers to everyday prayers. As you read, youll see evidence of just how closely God sticks by us, even in our most uncomfortable moments.



also free

Seeking Human Kindness
http://www.amazon.com/gp/product/B00NHDP1BU
5.0 out of 5 stars (9 customer reviews)

Is karma real? "Seeking Human Kindness" is a compilation of 50 inspirational true short stories gathered from across the world. It explores the meaning of humanity. Each vignette focuses on a separate real life event told from perspective of those who experienced great and unexpected boons. Some received great acts of kindness in their moment of need or lent aid to one who needed it most. Their actions precipitated unforeseen events, even in some cases changing their life's direction.

Authors were carefully chosen, based on those who had compelling stories to tell. They hail from multiple countries, diverse backgrounds, education, skillsets, life journeys, etc. They come together in this compilation to share their experiences in dealing with the life altering after effects of human kindness.



Life is Good
http://www.amazon.com/gp/product/B00J6EEYUS

This is the second book by inspirational writer, Peter Skillen, author of The Twelve Step Warrior.
In this book, Peter takes you, the reader, through a myriad of writings, thoughts, and feelings, in the hope it will make you look at life from a different perspective.

After each piece of writing, a space has been left for you to write your own thoughts and feelings.
This small but powerful book is presented with two aims: to inspire you, and to remind you that Life is Good.



The Youngest Son: The Gift of Cancer
http://www.amazon.com/gp/product/B00LXD6RHS
5.0 out of 5 stars (6 customer reviews)

Cancer tells a million different stories. For some, cancer is about hope, overcoming challenges and of recovery. For others, the story cancer tells is one of despair, anger, depression and loss.

The Youngest Son is as much a story about a father of six diagnosed with terminal cancer as it is about how the family of someone diagnosed with a terminal disease also faces their own grim prognosis. It is about the stages of grief and how learning to identify each stage before the stage presents itself can be the most important part of recovery.

Author T Patrick Phelps shares his personal journey during his father's near two year battle with esophageal cancer. He shares his challenges with the coldness of medicine, the yearning desire to retain hope while keeping a firm grasp on the reality of terminal cancer.


Review
I agree with the other reviewer who said that this book is about what is really most important in life. Though this book is written about the author's dad, the book is really about forming relationships, making lasting memories and the importance of family.
The chapter Memories from a Pond is one of the best chapters I've read in this genre and the author's explanation and understanding of the stages of grief really makes more sense than how the doctors explain the stages
Books Deals

Amazon Coupons
Blackout Deals - November Sales Kick-Off @ Newegg
Added on : Sunday November 02nd 2014 12:00:13 AM
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 Nintendo Wii U Skylanders Swap Force Bundle + Skylanders Trap Team Starter Pack - $299.99
www.newegg.com/Product/ComboBundleDetails.aspx?ItemList=Combo.19...

LG 55" Class (54.6" diagonal) 1080p TruMotion 120hz LED-LCD HDTV 55LN5400 - $649
www.newegg.com/Product/Product.aspx?Item=9SIA1CZ0SG9325

Denon AVR-E400 7.1-Ch A/V Home Theater w/ 3D - $299.99
www.newegg.com/Product/Product.aspx?Item=9SIA1J70S50513

Sony Cyber-shot DSC-HX50V Digital Camera Bundle 32GB SDHC Card Sony Case Black - REFURBISHED - $149.99
www.newegg.com/Product/Product.aspx?Item=9SIA15T1XR7174



Nintendo 2DS Pokemon Bundle + Free Mario Sticker Star

$129.99


Refurbished: Microsoft Xbox 360 4GB Console, Black

$129.99


Refurbished: Matricom G-Box Midnight MX2 Android 4.2 Jelly Bean Dual Core XBMC Streaming Mini HTPC TV Box Player

$64.99


Dell Inspiron 17.3 Laptop, i5, 6GB DDR3L, 500GB, Windows 8 64-Bit

$599.00


Dell Inspiron One 2020 20 All-in-One Desktop i3-3240T, 6GB DDR3, 1TB, Windows 8

$589.00


Lenovo ThinkCentre M93p i7-4770, 8GB DDR3, 1TB, Windows 7 64-Bit

$799.99


Raspberry Pi Model B+ Deluxe Kit with Case and PSU

$54.49


Satechi HD Digital Indoor Flat Amplified TV Antenna w/ Wall Mount

$21.99


HIKVISION Outdoor Day and Night 3.0MP HI-Res IR Network IP Camera

$95.99


Refurbished: Sony PJ350 Wi-Fi Full HD/60p 1920x1080 Projector Camcorder

$199.99


GamesterGear Cruiser PS3210 2.1 Amplified Gaming Headset w/mic Black

$39.99



Velodyne vFree Wireless Bluetooth Headphones, White

$39.99


MUCH MORE AVAILABLE

http://promotions.newegg.com/Marketplace/Emails/Nov-0-2014/CE02/...
Video Games Deals

Newegg Coupons
Titanfall season pass $6.25 for Xbox Gold on Xbox Live.
Added on : Saturday November 01st 2014 06:00:07 PM
g: 0 Posted By: HKSturboKid
Views: 150 Replies: 0 For those that purchased Titanfall game on your Xbox 360 / Xbox One at the recent price drop and have Xbox Live Gold membership, Gold Members can get the Titanfall season pass for $6.25. This is a new price from the $8.75 that was last week. I had the game for a while but never got into it too much. Figure for $8.75 last week, I bought it and now the price went down again. You just never win.




Xbox Live Deals
Claiming parents as dependents on tax return?
Added on : Saturday November 01st 2014 11:00:08 AM
g: 0 Posted By: sliqx
Views: 44 Replies: 0 I know it's not typical for us to claim our parents as dependents, as most parents have saved up for retirement, on pension, working, etc. but I was considering claiming them for this 2013. My parents currently have no source of income and are currently collecting social security. Mortgage is paid off, so they basically have been living month to month and paying off bills. Coming from an Asian background, it's somewhat expected that we financially take care of our parents as they get older. Since I've started work this year after completing grad school, I have pretty much contributed over 50% of the income, including food, electricity, cable, etc. I'll gross 70k this year. My question is, I know I meet all the requirements, but do you guys think it is advisable for me to claim them on my taxes? Would it affect their benefits at all? (My parents are currently collecting food stamps (~$170/month) and mother is on medicaid). And would I inherit any of their credit card debt? They have tons of credit card debt, and I don't want to claim them if the collectors start going after me for money. Thanks!
Question Deals
g: 0 Posted By: ctgolfer
Views: 78 Replies: 0 use promo code: SAVE15

The new EZ design of Gladiator brands Ready-To-Assemble cabinets allows select models to be put together in half the time. The more efficient design also means fewer parts and pieces, so you stop wasting time on storage assembly and spend more time working on the projects you enjoy!

Faster Assembly

The new EZ design allows select cabinets to be assembled in almost half the time and makes cleanup time fast and easy so you spend more of the day concentrating on your project list.

Fewer Loose Parts

Back plates come pre-attached to the cabinet, eliminating the need for previously required hardware. This makes cabinet assembly much simpler and saves you valuable time. Also, the redesigned screws start easier and are harder to strip out.

Locking Tread Plate doors with durable magnetic latch

Built to Last

The Allen head bolt screws and back plates offer excellent cabinet structure for years of garage use. Purchase and assemble with confidence as the 10-year limited warranty helps put your mind at ease.

One Full Width Adjustable Shelf and One Ball Bearing Slide Drawer

The full-width adjustable shelf of the RTA Full-Door Modular GearBox provide flexibility to meet changing storage needs.

Rated Weight Capacity: 150 lbs. per Cabinet and 40 lbs. for Each Shelf

Rated load 150 lbs. per cabinet, based on lab test of 600 lbs. per cabinet, and rated load 40 lbs. for each shelf, based on lab test of 160 lbs. for each shelf

Hammered Granite Powder coat Finish

The powder coating process on the shelf electrostatically bonds and bakes the protective coating to the bare metal, forming an effective barrier against corrosion

www.sears.com/gladiator-ez-rta-3-4-door-modular-gearbox-floor/p-...
Furniture Deals

Sears Coupons
Baked Donut pan $6.67 each. Amazon. Free prime shipping
Added on : Friday October 31st 2014 06:00:05 PM
g: 0 Posted By: Canucklehead
Views: 216 Replies: 0 at Amazon.

These make amazing baked donuts. Get more than one. Good price and they work well. Just fill up to 2/3 full and, when done, roll in cinnamon sugar or your favorite donut sprinkle toppings. Much healthier than regular donuts.

http://www.amazon.com/gp/product/B004CYELQOfor regular or heart shaped.

Lots of good recipes if you google.


Home & Garden Deals

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g: 0 Posted By: remick
Views: 64 Replies: 0 http://www.amazon.com/gp/product/B00OQGIXVW

In this second volume, Advanced Knitting, will teach you the skills you need to become an advanced knitter. First Susan teaches you how to read charts and grafts, plus gives you tips on working these types of patterns. You will learn the two most popular color work techniques, Intarsia and Fair Isle along with the differences between them. These techniques create pictures and patterns, but use very different methods. Advanced stitches and techniques are included, and each chapter includes patterns for you to practice your new skills. Susan has also included a chapter about working with fun yarns and gives you patterns to try out. Chock full of step by step instructions, lots of pictures and illustrations, along with resources, tips, and links to instructional videos, Advanced Knitting is your guide to the next step in moving forward in your knitting skills.



How to Crochet: Volume III The Final Complete Advance Guide with More Advanced Patterns, Stitches and Squares for the Advanced Crochete
http://www.amazon.com/How-Crochet-Complete-Advanced-Crocheter-eb...

How to Crochet: Volume III. The Final Complete Advanced Guide with Even More Advanced Patterns, Stitches and Squares for the Advanced Crocheter. Also Includes Step- by- Step Instructions with Detailed Pictures
Download the Follow up and Final Book to the Best Sellers How to Crochet Vol. 1 For Beginners and How to Crochet Vol.2 . Build upon What you Learned in the First and Second book and put the finishing touches on your skillset and take it to the final level of expertise.
Download this Bestseller Now!!
In this third volume of How to Crochet, we are going to explore the advanced techniques and stitches that can be used in order to create breath-taking gifts and fashions. By learning some of these stitches and techniques, you will be ready to enjoy your growing hobby of crochet! Not only will we explore new techniques and stitches, we will also explore how to make your own patterns and squares. By the time you finish this book, you should be able to take the lessons learned and apply them to your ever-evolving work! Let us have some fun!

Take your Crochet skills to the next level!
This book will help you to refine further your skills in crocheting. It goes into more advanced techniques and helps you to create your own designs. By offering you a tool, I hope to offer you a great way to spend your time and talent! Everyone needs a starting place, so I hope that by providing that, you can continue to learn and grow with your art.

And Here is a Tiny Sample of what you will Learn
Advanced Stitches
Advanced Patterns
Motifs
Edgings
Advance Crochet Patterns
Creating Your Own Patterns
Designing Your Own Squares
Squares Made with Advanced Stitches
Bonus Chapters from the Books "How to Crochet Vol.1 and Vol.2"
And, much, much more!



(2 Book Bundle) "Crochet Beginners Guide" & "Crochet Stitches Beginners Guide"
http://www.amazon.com/Bundle-Crochet-Beginners-Guide-Stitches-eb...

~Book 1~
With this book you will learn:
1. How to choose your Crochet hooks, yarn and other items you need
2. How to read a crochet pattern
3. How to hold the Crochet hook and yarn
4. How To Chain
5. How To Do A Single Crochet
6. How To Turn Your Work
7. How To Slip Stitch
8. How To Do A Double Crochet
9. Increasing
10. Decreasing
11. Working in different loops
This book also includes 3 beautiful patterns that will teach you how to crochet a Cell Phone Sock, Pot Holders and Basic Granny Square.

~Book 2~
With this book you will learn the following Crochet Stitches:
1. Single Crochet
2. Slip Stitch
3. Double Crochet
4. Half Double Crochet
5. Treble Crochet
6. Front post double crochet
7. Back post double crochet
8. Front loop crochet
9. Back loop crochet
10. Moss stitch
11. Basket Stitch
12. X Stitch
13. Chain Lace
14. Solomons Knot
15. V-Stitch
16. Small Mesh Ground
17. Large Mesh Ground
18. Diamond Mesh Stitch
19. Puff Stitch
20. Bullion Stitch
21. Raspberry Stitch
22. Basic Shell Stitch
23. Basic Fan stitch
24. Arcade Stitch
25. Picot Edging
26. Reverse double crochet edging
27. Shell edging
28. Loop stitch
29. Chevron Stitch
30. Broomstick Lace

Get Started Crocheting a Wonderful Project!




How to Knit for Beginners: 9 Free Tutorials
http://www.amazon.com/How-Knit-Beginners-Free-Tutorials-ebook/dp...

You've seen your friends do it. You've heard celebrities--Julia Roberts and Amanda Seyfried--gush about it. You know that it's fun and incredibly addictive. What is it? Knitting, of course! Have you ever wanted to learn how to knit? Knitting for beginners can seem intimidating at first, but with the right free beginner knitting patterns, anyone can learn how to knit. We know there are a lot of articles out there showing you the right way to get started knitting. For your convenience, we've put together a group of simple tutorials and free knitting patterns for beginners to make your learning experience less stressful. With our free eBook, How to Knit for Beginners: 9 Free Tutorials, you'll find tons of great patterns, tips, and step-by-step instructions that will make picking up knitting a breeze. Knitting for beginners doesn't have to be complicated, especially when you have the right tutorials at your disposal! With just a little time and practice, youll be knitting like a pro in no time at all--theres really nothing to fear. Are you still a little nervous about trying to knit? Let's break it down a little. Did you know that there are only two stitches you need to know: the knit stitch and the purl stitch? All the other special stitches are created from variations of those two stitches. Isnt that great news? Once you know how to knit and how to purl, you just need to practice with a few easy beginner knitting projects until the motion becomes natural.



Crochet: Crocheting Made Easy: Learn To Crochet In One Day
http://www.amazon.com/Crochet-Crocheting-Made-Easy-Learn-ebook/d...

Learn to Crochet in one day! You won't need help from grandma with this book. Learn to Crochet in one day will get you started down to path to crocheting success.










Totally Free Deals
Week Calendar for iOS is now Free (usually $2.99)
Added on : Friday October 31st 2014 02:00:11 AM
g: 0 Posted By: remick
Views: 34 Replies: 0 https://itunes.apple.com/us/app/id381059732

Compatibility: Requires iOS 5.1 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5.



https://itunes.apple.com/us/app/id381059732

Compatibility: Requires iOS 5.0 or later. Compatible with iPad.



***** BEST CALENDAR APP WORLDWIDE *****
Does your ordinary iPhone, iPod or iPad calendar give you insufficient insight and options? Then Week Calendar is the solution for you. Whether you use iCloud, Exchange or Google calendar, Week Calendar is the most user friendly and the all-round calendar app worldwide for everyone that needs to get the most out of their calendar app.

AVAILABLE IN 24 DIFFERENT LANGUAGES
Week Calendar is available on iPad, iPhone and iPod touch and will soon be released on other platforms. Week Calendar supports 24 different languages.

FAST AND EASY TO USE
Adding, repeating and moving events is now much easier than ever before. And with its magnificent interface and intuitive usability, working with Week Calendar is a pleasure for both light as extensive users.

CALENDAR CLARITY
Week Calendar provides a clear and detailed overview based on day, week, (mini)month or year level. Furthermore, Week calendar takes away the limitations of the standard iOS calendar, for example by showing a weekly overview of all your appointments for the upcoming week.

PACKED WITH USEFUL FUNCTIONS
Move your appointments by simply dragging, copying and pasting them. Clear up a busy schedule by assigning different colors to various appointments and events. Powerful reminder functions make sure youll always remember your events. Customizable week numbers or repetitive options and many other functions suited to your own personal needs. Using your digital calendar was never easier!

SUBSCRIBE TO HOLIDAYS, SPORTS AND OTHER EVENTS
Add additional subscriptions to sports games, national holidays and more to your calendar from the calendar store. Accidentally scheduling an appointment on your free day now belongs to the past!

MOST IMPORTANT FEATURES:
* Local calendar invite, enabling you to send invitations using a local calendar too.
* Magnificent overview of your appointments and events
* Viewing all your events for the week at one glance
* Simply relocate events using drag and drop
* Calendar overview by day, week, month and year
* Batch operations
* Various icons for different events
* Group templates
* Works without setup for all calendar services supported by iOS (CalDAV, Exchange, iCal, iCloud, birthdays, subscriptions)
* Supports synching of the calendars
* Quickly add events on the right time using tap-and-hold
* Pinch to zoom
* Relocate, cut and paste appointments
* Link contacts to events
* Rotates with screen
* Templates
* Advance repetition rules
* Customizable display
* Full customization of events
* Full screen support
* Invite participants/ share appointments and events by e-mail
* Time zone support
* Adaptable week numbers
* Better birthday integration (shows age of your contacts)
* Hide weekends when there are no appointments /on weekdays/not rotated
* Completely adaptable and customizable action menu to quickly change appointments and events
* Unlimited search
* Support for TextExpander touch snippet expansion
Totally Free Deals
Traffic Ticket (21453B,Right Turn On Red) In Bay Area CA
Added on : Thursday October 30th 2014 03:00:11 PM
g: -14 Posted By: kayke
Views: 1714 Replies: 63 Hello, everyone
I am a new driver, I just got my license early this year. I was driving on Hayward A st, ready to turn in to Grove Way, this was a sign " No right turn on red", I was paying attention to the traffic and the police suv cross street of me, i didn't notice the sign. As soon as i just turn, that police suv was tailing me, then he pulled me over gave me a ticket. He told me that he pulled over so many people in the same spots, i don't need to go to court, just pay the bill online.
Traffice Ticket (21453bB) In Bay Area CA
I heard the bill will be at least $500, can anyone here help me, thank you so much~~

Another information is the one who gave me the ticket is a highway Patrol, yet he caught me in downtown street. Is that means most likely he won't show up in the trial if I decide to gofor trial ?
Personal Finance Deals
Traffic Ticket (21453B) In Bay Area CA
Added on : Thursday October 30th 2014 02:00:06 PM
g: -14 Posted By: kayke
Views: 1681 Replies: 62 Hello, everyone
I am a new driver, I just got my license early this year. I was driving on Hayward A st, ready to turn in to Grove Way, this was a sign " No right turn on red", I was paying attention to the traffic and the police suv cross street of me, i didn't notice the sign. As soon as i just turn, that police suv was tailing me, then he pulled me over gave me a ticket. He told me that he pulled over so many people in the same spots, i don't need to go to court, just pay the bill online.
Traffice Ticket (21453bB) In Bay Area CA
I heard the bill will be at least $500, can anyone here help me, thank you so much~~

Another information is the one who gave me the ticket is a highway Patrol, yet he caught me in downtown street. Is that means most likely he won't show up in the trial if I decide to go to trial ?
Personal Finance Deals
g: 1 Posted By: noapathy
Views: 510 Replies: 0 Title pretty much says it all - it's 24 hours of free shipping on anything with no minimum and no extra charge for large/oversize items like wheels, bikes, or workstands.

jensonusa

Enter code FREESHIP20 at checkout
Bicycle Deals

Jenson USA Coupons
g: 1 Posted By: noapathy
Views: 128 Replies: 0 Title pretty much says it all - it's 24 hours of free shipping on anything with no minimum and no extra charge for large/oversize items like wheels, bikes, or workstands.

jensonusa

Enter code FREESHIP20 at checkout
Bicycle Deals

Jenson USA Coupons
Buy Cheap Software - Extra 5% Off
Added on : Thursday October 30th 2014 02:00:02 AM
g: 0 Posted By: gumbagoat
Views: 0 Replies: 0 Buy Cheap Software is offering an extra 5% off with their psycho sale. Not much of a sale I know, but hopefully it helps! Use coupon code pshycho5 for the extra 5%. This sale expires 11-6.

Buy Cheap Software
Fathead Medium Dry Erase Board $25@Staples
Added on : Wednesday October 29th 2014 07:00:02 PM
g: 0 Posted By: TruSolja
Views: 0 Replies: 0 "Fathead Premium Vinyl Wall Graphic" removable dry erase board that does not tear, damage walls, or lose adhesion.

Fathead branded, can be placed anywhere and moved as much as necessary. Size is 40"W x 27"H

Originally $40, free shipping to Staples stores (using Store Pickup) or home delivery for orders over $50.

Link: http://www.staples.com/Fathead-Medium-Dry-Erase-Board/product_11...
g: 1 Posted By: remick
Views: 105 Replies: 0 The Cancun Insider
http://www.amazon.com/gp/product/B00MW1QTLE


A Visitor's Guide to Paris - A travel guide for France's romantic capital
http://www.amazon.com/gp/product/B00GAMTHFG


Travel Guide Box Set #4: The Best of Beautiful Germany For Tourists & German For Beginners
http://www.amazon.com/Travel-Guide-Box-Set-Attractions-ebook/dp/...


Plan Ahead Budapest Travel Guide
http://www.amazon.com/Ahead-Budapest-Travel-Guide-Guides-ebook/d...


Rome Travel Guide Hotels, Museum, Activities and much more
http://www.amazon.com/gp/product/B00LUD02IG


20 Things to See and Do in Nice - The Ultimate Nice Travel Guide
http://www.amazon.com/gp/product/B00OPEQ448


A Week in the French Riviera
http://www.amazon.com/gp/product/B00DILJJ8W


Ecuador and the galapagos island travel guide
http://www.amazon.com/gp/product/B00OJB5HIG/


Alabama - Travelogue by State: Experience Both the Ordinary and Obscure
http://www.amazon.com/gp/product/B00LPN2P0O


Florida Beaches: A Guide To The Best Beaches In Florida (CENTRAL FLORIDA EDITION)
http://www.amazon.com/Florida-Beaches-Guide-CENTRAL-FLORIDA-eboo...


Havana Tips and Tricks: Interesting Facts and Tips On Havana And Cuba
http://www.amazon.com/Havana-Tips-Tricks-Interesting-Facts-ebook...


Top Ten Sights: Salzburg
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00L76R...


Walking around Hunedoara Castle (Drag Kula) in Romania (Photo Gallery)
http://www.amazon.com/gp/product/B00OVEZZWO


Photo Gallery: Attraction of Wat Rong Khun (The White Temple) in Chiang Rain of Thailand
http://www.amazon.com/Photo-Gallery-Attraction-Thailand-Magazine...


Cheap European Days and Nights (2 Travel Guide Books in 1) - Budget Travel Tips for Paris, London, Madrid, Berlin and Amsterdam
http://www.amazon.com/gp/product/B00H69VJ26/


Simple Family Vacation Planning
http://www.amazon.com/gp/product/B00C7E0RIW


Get Up and Go Travel the World: Soul Food to Fuel Your Travel Dreams
http://www.amazon.com/gp/product/B00OUWJT8I/








Totally Free Deals
Castrol Edge 0W-40 Synthetic Motor Oil - 5 Quart $24.33 at Amazon
Added on : Wednesday October 29th 2014 08:00:09 AM
g: 0 Posted By: Matematik
Views: 132 Replies: 0 This is a deal for owners of Euro cars that require this type of oil. This euro-spec weight is not available in 5-quart containers at my local WalMart, so the usual price is much higher.

Also, this is better for V-8 cars that require 8-9 liters per fill, since buying two jugs gives you almost exactly the amount you need. More economical than buying two cases of 6.

Made in Germany.

http://www.amazon.com/gp/product/B00JGQLZSU/

Tools & Automotive Deals

Amazon Coupons
Traffice Ticket (21453bB) In Bay Area CA
Added on : Wednesday October 29th 2014 06:00:15 AM
g: 0 Posted By: kayke
Views: 19 Replies: 0 Hello, everyone
I am a new driver, I just got my license early this year. I was driving on Hayward A st, ready to turn in to Grove Way, this was a sign " No right turn on red", I was paying attention to the traffic and the police suv cross street of me, i didn't notice the sign. As soon as i just turn, that police suv was tailing me, then he pulled me over gave me a ticket. He told me that he pulled over so many people in the same spots, i don't need to go to court, just pay the bill online.
Traffice Ticket (21453bB) In Bay Area CA
I heard the bill will be at least $500, can anyone here help me, thank you so much~~
Personal Finance Deals
g: 1 Posted By: Johneverd
Views: 231 Replies: 1 Get a $20 Amazon.com Gift Card after you successfully add a participating credit card and tap to pay with Softcard. Expires October 31, 2014. Prepaid cards excluded. See below for details. Softcard allows you to pay for purchases using your Android cell phone, much like Apple Pay. McDonald's accepts Softcard so you can use it to buy a $1 cup of coffee. You also get a dollar off of each purchase through 12/31/14. Maximum of $50 per month: https://www.gosoftcard.com/offers/serve.html

$20 Gift Card Offer: https://www.gosoftcard.com/offers/addacard.html

Receive a $20 Amazon.com Gift Card after you successfully provision a participating credit card to your Softcard Account between October 1, 2014 and October 31, 2014 (the Offer Period) and tap to pay at least once during the Offer Period. Please visit GoSoftcard.com for more information on participating credit cards. Prepaid cards are not eligible for this Offer. Transactions made using a plastic credit card are not eligible for this Offer. Limit of one Gift Card per participating credit card. Gift Cards will be sent via email and could take up to 14 days to be delivered. Offer expires on October 31, but is subject to change or cancellation at any time.
Gifts Deals
A good problem to have, I guess - Overfunded Roth
Added on : Tuesday October 28th 2014 12:00:06 PM
g: 0 Posted By: featherz
Views: 110 Replies: 3 I generally put 5K in each year in January to my Roth IRA. However, this year it looks like the hubster and I will make too much to contribute to a Roth and the money is already in. Yep, that's a good problem - but what's the cleanest way to withdraw the overpayment? Just withdraw the 5K plus earnings, then file something on my taxes to pay the extra? Or is it better to roll it to a non-deductible fund? Punt and pay the penalty? I'll have to work out exactly how much earnings would be - at this point it's in targeted retirement funds so probably 5% or less. I asked the company that's holding it and got back an email with about 10 different options.

Another wrinkle is that it will be a close thing as to whether we will be over or not. We might just squeak in under wire, depends on bonuses, etc.

thoughts?


Question Deals
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OE8JPXC/

Are You and Your Family Ready to Survive the Next Disaster? Do you worry what would happen to your family in an emergency?
If so, then The Prepper's Bundle: Even More Survival Guides for Every Situation is exactly what you need.
With this collection you'll get four best-selling guides covering dozens of different aspects of Prepping. With tons of information for beginners all the way to seasoned preppers, this collection cannot be found anywhere else. Save $$ off the price of buying each book individually!

With The Prepper's Bundle: Even More Survival Guides for Every Situation, you'll get the following:

Bugging In or Bugging Out?: This guide will teach you all about bugging out versus bugging in, including:
- The main differences between Bugging In and Bugging Out
- How to pack a Bug Out Bag for each member of your family, without going overboard.
- How to fortify your home and yourself for ultimate safety and protection.
- Tips and Tricks for deciding which method is right for you
- And much, much more!

The Urban Prepper: A City Survival Guide: This guide will teach you about prepping for survival in an urban situation, which is completely different than a rural one. You'll learn how to:
- Pack an Urban Bug Out Bag for each member of your family.
- Fortify your city home for ultimate protection.
- Decide which foods and supplies you need to store for urban survival
- And much, much more!

The Prepper's Guide to Firearms: This guide will teach you the fundamental issues around having a firearm for survival. You will learn how to:
- Choose which type of firearm is right for you and your family
- Maintain and repair your firearm, to keep it in top working condition
- When to use your firearm and when to keep it holstered
- Important training and marksmanship drills to help you become a better shooter
- Much, much more!

The Frugal Prepper: Survival on a Budget: The Frugal Prepper: Survival on a Budget will guide you and your family through the important steps and considerations that you need to begin prepping without spending a lot of money. In this book you will learn:
- Which foods and supplies you need to store for survival, and how to find them for the lowest price possible.
- Pack a Bug Out Bag for each member of your family, without going overboard.
- Fortify your home and yourself for ultimate safety and protection.
- Clever ways to cut costs and save big while prepping.
-And much, much more!




also

Mason Jars for Extreme Preppers Vol.2 - A Beginner's Guide to Using Mason Jars to Prepare for Emergency Situations
http://www.amazon.com/Mason-Jars-Extreme-Preppers-Vol-2-ebook/dp...


PREPPER: THE PREPPER'S URBAN GUIDE: A Beginner's Survival Guide For Emergency Water & Food Storage During Crisis
http://www.amazon.com/PREPPER-PREPPERS-Beginners-Survival-Emerge...


The Urban Prepper - A Quick Start Handbook for Modern Day Preppers to Prepare For Any Disasters
http://www.amazon.com/Urban-Prepper-Handbook-Disasters-Preparati...


The Prepper Survival Guide to Bugging Out When You Absolutely Positively Can't Stay There Any Longer
http://www.amazon.com/Prepper-Survival-Bugging-Absolutely-Positi...


Survival Essential Tactics - The Urban Prepper's Handbook To Preparing The Essentials For Modern Day Disasters
http://www.amazon.com/Survival-Essential-Tactics-Preparing-Essen...










Totally Free Deals
g: 0 Posted By: Deals4mykids
Views: 45 Replies: 0 Figure some people might be interested if you have an iPhone 5/5S/5C or iPod Touch 5

http://www.amazon.com/Sweatproof-Adjustable-horseback-gardening-...

Coupon code:MPOWARMB

$12.99 - 31% off = $8.90

Free Shipping w/Prime or FSSS

I bought it last time coz it's described as an improved version compared to the Minisuit sporty armband (currently it's listed as the #1 Best Seller in Armbands category on Amazon) which was my first armband

Not perfect as I thought...They are almost identical, but this one does make much differences in sweatproof ability and strong sticky back tape.
Cell Phones Deals

Amazon Coupons
USENET 2 TB Blocks for $60 from NewsgroupDirect exp Nov 5
Added on : Tuesday October 28th 2014 03:00:04 AM
g: 1 Posted By: floridapanda
Views: 84 Replies: 1 New NGD deal is up. It's 2 TB for $60 again. They ran 500 GB for $25 recently... this is a much better deal.

http://newsgroupdirect.com/signup
Services Deals
Teva Hurricane XLT $36 (or less) FS, @ Teva and 6pm
Added on : Tuesday October 28th 2014 03:00:03 AM
g: 0 Posted By: actionjbone
Views: 64 Replies: 0 The Hurricane XLT pretty much the best pair of sandals I've ever owned. I've worn them on multiple beach trips, on light hikes, in the city, to baseball games, while driving for hours, in muddy downpours... in the end, just hose 'em off and they're practically good as new.

The sole has great grip on both wet and dry surfaces, the nylon straps are snug-fitting and comfortable once the sandals have been broken in a couple of days, and in my experience they seem to provide pretty good arch support.

For just $36 (retail $60), these are a steal. Limited color options, but a bunch of sizes left.

Men's:http://www.teva.com/sale/hurricane-xlt/887278707653.html
Women's:http://www.teva.com/sale/hurricane-xlt/4176S.html

(Also, lots of other great mens/womens/kids sandals on sale at Teva.)

And while doing some price comparisons, I noticed 6pm has the women's sandal in one color for just $30, but limited sizes:http://www.6pm.com/teva-hurricane-xlt-slate-teal


Shoes Deals

Teva Coupons
Worx 20V Cordless Grass Trimmer/Edger $69.99 w/FS @ Sears
Added on : Tuesday October 28th 2014 02:00:08 AM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 The WORX Cordless 20-Volt Lithium Power 2-in1 Trimmer/Edger is a powerful, lightweight, and easy to use yard and garden machine. Convert the trimmer easily to an edger and vise-versa in seconds with no tools. The specially-designed adjustable handle and shaft can accommodate varying working heights for maximum comfort and control. Save time and effort with an easy safety start trigger -- no more pull starting; no more gas/oil mixes; no more exhaust smells; and no tangled cords. Typical trimmer batteries may need to be recharged before using them even if it was charged after the last use. With the Lithium Power battery technology, it resists self-discharge for much longer periods of time, and it has the ability to perform a quick partial charge without worrying about “memory effect” damaging your battery. The Lithium Power battery is lighter in weight and more compact. The rubberized twin-set wheels roll easily to guide along when edging to help maneuver through the edging process. To protect flowers and ornamental objects, there is a adjustable flower guard to keep the trim line at just the right distance from valued objects in landscaping and yard. An automatic single line feed means no bumping to advance the line. With 2 20V Li-ion batteries for longer run time.

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

Sears Coupons
Free Hardcover Book - Why One Way? (religious) by John MacArthur
Added on : Tuesday October 28th 2014 01:00:10 AM
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.gty.org/Radio/

4.5 out of 5 stars (20 customer reviews) on Amazon

A concise guide to understanding how and why the ancient Christian faith makes sense for today and a blueprint for communicating truth to a "truthless" and cynical generation.The book is centered around 6 key principles: objectivity, rationality, veracity, authority, incompatibility and integrity. In the ultimate apologetic, John MacArthur presents a case for Christianity that serves as a logical explanation as much as a solid defense.
Totally Free Deals
$15 if you bought a Pentium 4 between 11/20/00-6/30/02
Added on : Monday October 27th 2014 06:00:04 PM
g: 1 Posted By: Waffles
Views: 248 Replies: 2 LINK
website said:
Q:Am I part of this Class?
A:The class in this lawsuit consists of:

All residents of the United States, other than those residing in Illinois, who (i) purchased a new computer equipped with a Pentium 4 processor, (ii) purchased the computer between November 20, 2000 and December 31, 2001, and (iii) purchased the computer for personal, family, or household use;

and

All residents of the United States, other than those residing in Illinois, who (i) purchased a new computer equipped with a first-generation (Willamette) Pentium 4 processor or a Pentium 4 processor at speeds below 2.0 GHz, (ii) purchased the computer between January 1, 2002 and June 30, 2002, and (iii) purchased the computer for personal, family, or household use.

Excluded from the Class are Intels current and former directors and officers; Intels current employees and its employees during the Class Period; Intels legal representatives; and any Judge to whom the litigation is assigned and the members of his or her immediate family.

Q: How much will I get?
A: Class Members can get cash reimbursements of $15.00.
Computers Deals
g: 0 Posted By: DaysFan
Views: 123 Replies: 0 Estee Lauder Luxe Color: Limited Edition $59.50 With Any Estee Lauder Fragrance Purchase (A $350 Value)linkedPrice: $59.50This product can be gift wrapped.free 2-day shipping & free returns learn more| sign inOrder within the next 13 hours and 56 minutes and get it by Thursday, October 30, 2014.This is the gift youve been waiting for. Unwrap over 20 colors (including three full-size lipsticks), 1 repair serum and so much more. LimThis extraordinary collection includes:

Deluxe Eye and Cheek Palette with 12 Best-Selling Pure Color EyeShadow shades in (Sugar Cube, Sugar Biscuit, Riviera Rose, Ivory Slipper, Tempting Mocha, Lilac Whimsy, Hot Cinnamon, Nude Fresco, Wild Truffle, Amethyst Spark, Lavish Mink and Chocolate Bliss.) and 2 Best-Selling Pure Color Blush shades in (Alluring Rose and Sensuous Rose.)
3 Pure Color Long Lasting Lipsticks (full-size, in Sugar Honey, Candy and Bois de Rose)
Lip Gloss Compact (in Pink Innocence, Magnificent Mauve and Orchid Passion)
Pure Color Intense Kajal Eyeliner (great for smoky eyes, in Blackened Black)
Pure Color Nail Lacquer in Fallen Angel.
Sumptuous Extreme Lash Multiplying Volume Mascara (full-size) in Extreme Black
Gentle Eye Makeup Remover (full-size 3.4 oz.)
Advanced Night Repair Synchronized Recovery Complex II (deluxe travel size)
Revitalizing Supreme Global Anti-Aging Creme (deluxe travel size)
2 Modern Muse Eau de Parfum Travel Sprays
Look Card to get started on your Holiday Look now.
Gold Crocodile-embossed Cosmetic Case
Navy Satin Train Case

it 1 order per day. Available while supplies last.
Beauty Deals

Bon-Ton Stores Coupons
Negotiating "customer retention" Perks from your broker?
Added on : Monday October 27th 2014 01:00:05 PM
g: 0 Posted By: susswein
Views: 21 Replies: 0 I've got a decent size account (over 600K) with a big national brokerage, and I was wondering if anyone has been offered or negotiated "customer retention"perks from the brokerage house to keep your business (the same way that comcast always offers me a discount when I threaten to move to directTV). The national brokerages are all competing for new clients, which much cost them a pretty high customer acquisition cost, so as an existing customer it seems like I should have some leverage.

If the answer to the above question in no, then can anyone suggest a downside to regularly moving my account between the big brokers to collect the new customer bonuses (similar to the app-o-rama for credit cards)? Given that fidelity for example, is offering $300 for funding a new account with $100K and keeping it there for 6(?) months I should easily be able to churn my funds between brokers to the tune of at least $1000/year.
7inch Game Tablet Android4.0 WiFi Sears $40 (or less) after SYW
Added on : Monday October 27th 2014 06:00:02 AM
g: 0 Posted By: tonysavealot
Views: 1 Replies: 0 A goodHolliday Present to give.
Add two to cart.
Add filler ( NEXTEC 12 volt LED Worklight or Craftsman Folding Saw etc)
Apply10K pointson $50 (or 10K on $150 electronics but maybe not mix with others below)
Apply $5 of $50
Apply 30K points on $200 (check bottom of emails with subject: Your Sears.com order is processing)
Use 10K Surprise points on $150 order plus use yourregular points you have.(should be rollover-able but adjust if total reward points is reduced to much)
Total: $185 -$146 back in points = $20 each !!

It's $70 from China so it's half price and you are dealing with a USA reseller.
http://www.aliexpress.com/item/HOT-NEW-7-Inch-Handheld-Game-Player-8GB-Android-4-0-Capacitive-Tablet-PC-Portable-Game/1495081865.html
JBL Portable Bluetooth Speakers on Clearance at Staples
Added on : Monday October 27th 2014 04:00:04 AM
g: 0 Posted By: zklopman
Views: 205 Replies: 0 I've been yesterday at my local Staples, and they have JBL Flip, JBL Charge and JBL Micro Wireless on clearance (last year's models). These have much better sound than your typical cheapo bluetooth portable speakers, and when on clearance (and add 15% off coupon or any better ones one might have) then the deals are even better. I paid about $95 (including tax) for a JBL charge ($120 at Amazon, before tax). They are also just as good (if not better) than Beats pill and other similar devices, and now much cheaper.

You also have the HMDX Rave for about $20 this week, but the JBLs are (most likely) much better.

EDIT: here are iLounge reviews forJBL Charge,JBL Flipand JBL Micro Wireless.
Headphones & Speakers Deals

Staples Coupons
g: 7 Posted By: remick
Views: 602 Replies: 2 How To Hunt and Take Big Buck Deer on Small Properties
http://www.amazon.com/gp/product/B00OOC2T0Y

As I've been interviewing hunters from across the nation, I continue to hear the same story. You wont believe how small the property is where Im taking trophy bucks. With the price of deer leasing continuing to escalate and fewer large tracts of land available, hunters are leasing small tracts of land or gaining permission to hunt these small properties.

In this book, you'll read about 14-different hunters who either have gained permission or leased properties as small as 6 acres to as much as 250 acres, and they consistently taken older-age-class bucks off these little lands.

When John and Jim Scott got pictures of a monstrous 10-point buck made from a surveillance camera at a suburban apartment complex, they immediately secured permission to hunt those 60 acres. John took a buck that scored in the 170s, and his twin brother, Jim, took a buck that scored over 160. Today they consistently take older-age-class bucks every year off this property and other small lands they hunt all over the nation. When we learned that big bucks live on small properties, Jim and I both changed the way we hunt, John Scott explains. Now, we focus all our time and energy hunting on and finding small properties.

Small tracts of land:
are easy to set-up trail cameras on, identify the bucks on these properties and make a hit list of bucks you want to take;
have little or no hunting pressure, and many hunters drive past them;
may home small patches of woods that are sanctuaries where big bucks concentrate during daylight hours;
may have the property around them intensively hunted, pushing big deer onto the small property; and
may be present but not visible on maps of public-hunting lands.

This book will teach you:
how to find and identify a small property that may hold trophy bucks;
how to get the landowners name of the small property;
how to use the boundary lines of adjacent properties to learn where big bucks are;
what to look for on small properties that cause that land to produce older-age-class bucks every year; and
how to find and take trophy bucks on small woodlots.

Thanks to some new types of maps available, often you can find the properties you want to hunt and then lease or obtain permission to hunt them without leaving home. If you're tired of paying high prices to join leases where you see few if any older-age-class bucks, if you want to have small family hunting spots for you and your family members, and if you want to become a trophy deer hunter who consistently bags big bucks every season, How to Hunt and Take Big Buck Deer on Small Properties is a must read.




also free

Crappie: How to Catch Them Fall & Winter
http://www.amazon.com/gp/product/B00GDP0W2C/

Yes, you can catch and eat crappie during the fall and winter months. Often at many places, youll catch more and bigger crappie in the fall and winter than you do in the spring and summer. To learn where to find and how to catch cooler weather speckled sides, weve interviewed a wide variety of some of the nations best tournament crappie fishermen and guides. Many of the individuals youll read about in this book are tournament crappie pros, who travel the country to fish in crappie tournaments from New York to Florida and from Virginia to California. They use the latest crappie-finding equipment, the best poles, rods, reels, line and the most-productive baits. Each of the people youll read about in this book has the ability to be dropped-out of an airplane anywhere in the United States and catch crappie on any lake close to where they land that contains crappie. From over 50 years of crappie-fishing experience, Ive learned you get the best advice by interviewing a large number of people, who have different tactics and fish under various water, weather and fishing-pressure conditions.

In this book, you will learn:

how to spider-rig (slow-troll), which is one of the fastest-growing techniques for catching the most and biggest crappie in the shortest time.
how to catch crappie on crankbaits, and when and where using a crankbait is the most appropriate.
how to find areas of any lake that will hold large schools of crappie during the winter months places you can return to time and time again and expect crappie to be there.
why competing in crappie tournaments is one of the quickest ways to learn how to catch more and bigger crappie faster.
why and how to look for and catch the biggest crappie in a lake.

A bonus chapter in the back of the book with 64 videos has more tips about and with the people you read about in the book.

If youre tired of having the same stew, chili, steaks, hamburgers and pork chops most people eat during the fall and winter, if your taste buds are craving some of those sweet, white, light-textured crappie fillets, if you want to take a break from hunting and TV watching, and if you want to catch a mess of crappie this fall and winter, then this book is for you, whether youre a beginner or a seasoned crappie angler.




Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 Sold by Lepow Official and Fulfilled by Amazon.

free shipping with Prime or on $35+

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

www.amazon.com/gp/product/B00DWKK6PE/
Lepow Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 Following up the best-selling, award-winning Kurio 7 family tablet, the brand-new Kurio Touch 4s gives kids a powerful Android handheld designed just for them. Sleek, stylish, pocket-sized and portable, the Kurio Touch 4s has games, apps, music, videos, web surfing, photos, and messaging in the palm of your hand!

With Kurio Touch, one device does it all! Powerful, next generation specs with the latest technology, such as a multi-touch capacitive touchscreen, dual core processor, front and rear facing cameras, Micro USB connection, integrated mic, and Wi-Fi. The Kurio Touch 4s is the sleek, stylish, pocket-sized and portable device just for you! Record videos, shoot pics of you and your friends, listen to your favorite music, message your friends, play the apps and games you love, and surf the web anywhere, right in the palm of your hand!

The Kurio 4S is packed with over 30 games & apps, top-tier kids content, and premium Disney apps. Kurio is Disneys only family Android tablet partner, offering Kurio users apps featuring their favorite Disney characters, including Cars 2, Disney Princess, and The Avengers. It ships with the full, ad-free, premium version of Angry Birds Space as well as interactive educational content & activities, apps from premier partners, and much more! Plus access hundreds of thousands more apps through the most popular Android app stores to find your favorite applications, and Kurio is Netflix, YouTube, & Skype compatible!

With best in class parental controls, the Kurio 4S features 4 fully customable profiles with separate settings for multiple users, comprehensive content control, time limits, app management, and an easy to use, password protected Parental Area to offer the most secure solution for your family.

Rely on safe web surfing with the Kurio Touch 4S. It integrates the Kurio Genius web filtering system with auto-updates covering more than 450 million web sites in 170 different languages as well as Internet access settings tailored to each child. Use block lists to block specific websites and inappropriate terms, while safe lists allow access to approved sites.

www.kmart.com/kurio-touch-4s-android-handheld-black/p-004W006347...
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Kmart.com Coupons
Life Tracker 1 - Fitbit alternative $12/year - preorder
Added on : Sunday October 26th 2014 04:00:05 PM
g: 0 Posted By: thegazelle
Views: 265 Replies: 1 http://www.pivotalliving.com/#!device/c1sre

The business model is different than that of fitbit. You pay $12/year for the device/software.

This seems like a much better deal than Fitbit. The company I work distributed Fitbits to all of the employees (10 of us). WIthin 6 months, 3 of us had to RMA our units. Needless to say I don't see my device lasting more than a year or two.

Preorder, but units are supposed to ship in time for the Holidays.
Health Deals
g: 3 Posted By: remick
Views: 349 Replies: 0 How To Hunt and Take Big Buck Deer on Small Properties
http://www.amazon.com/gp/product/B00OOC2T0Y

As I've been interviewing hunters from across the nation, I continue to hear the same story. You wont believe how small the property is where Im taking trophy bucks. With the price of deer leasing continuing to escalate and fewer large tracts of land available, hunters are leasing small tracts of land or gaining permission to hunt these small properties.

In this book, you'll read about 14-different hunters who either have gained permission or leased properties as small as 6 acres to as much as 250 acres, and they consistently taken older-age-class bucks off these little lands.

When John and Jim Scott got pictures of a monstrous 10-point buck made from a surveillance camera at a suburban apartment complex, they immediately secured permission to hunt those 60 acres. John took a buck that scored in the 170s, and his twin brother, Jim, took a buck that scored over 160. Today they consistently take older-age-class bucks every year off this property and other small lands they hunt all over the nation. When we learned that big bucks live on small properties, Jim and I both changed the way we hunt, John Scott explains. Now, we focus all our time and energy hunting on and finding small properties.

Small tracts of land:
are easy to set-up trail cameras on, identify the bucks on these properties and make a hit list of bucks you want to take;
have little or no hunting pressure, and many hunters drive past them;
may home small patches of woods that are sanctuaries where big bucks concentrate during daylight hours;
may have the property around them intensively hunted, pushing big deer onto the small property; and
may be present but not visible on maps of public-hunting lands.

This book will teach you:
how to find and identify a small property that may hold trophy bucks;
how to get the landowners name of the small property;
how to use the boundary lines of adjacent properties to learn where big bucks are;
what to look for on small properties that cause that land to produce older-age-class bucks every year; and
how to find and take trophy bucks on small woodlots.

Thanks to some new types of maps available, often you can find the properties you want to hunt and then lease or obtain permission to hunt them without leaving home. If you're tired of paying high prices to join leases where you see few if any older-age-class bucks, if you want to have small family hunting spots for you and your family members, and if you want to become a trophy deer hunter who consistently bags big bucks every season, How to Hunt and Take Big Buck Deer on Small Properties is a must read.




also free

Crappie: How to Catch Them Fall & Winter
http://www.amazon.com/gp/product/B00GDP0W2C/

Yes, you can catch and eat crappie during the fall and winter months. Often at many places, youll catch more and bigger crappie in the fall and winter than you do in the spring and summer. To learn where to find and how to catch cooler weather speckled sides, weve interviewed a wide variety of some of the nations best tournament crappie fishermen and guides. Many of the individuals youll read about in this book are tournament crappie pros, who travel the country to fish in crappie tournaments from New York to Florida and from Virginia to California. They use the latest crappie-finding equipment, the best poles, rods, reels, line and the most-productive baits. Each of the people youll read about in this book has the ability to be dropped-out of an airplane anywhere in the United States and catch crappie on any lake close to where they land that contains crappie. From over 50 years of crappie-fishing experience, Ive learned you get the best advice by interviewing a large number of people, who have different tactics and fish under various water, weather and fishing-pressure conditions.

In this book, you will learn:

how to spider-rig (slow-troll), which is one of the fastest-growing techniques for catching the most and biggest crappie in the shortest time.
how to catch crappie on crankbaits, and when and where using a crankbait is the most appropriate.
how to find areas of any lake that will hold large schools of crappie during the winter months places you can return to time and time again and expect crappie to be there.
why competing in crappie tournaments is one of the quickest ways to learn how to catch more and bigger crappie faster.
why and how to look for and catch the biggest crappie in a lake.

A bonus chapter in the back of the book with 64 videos has more tips about and with the people you read about in the book.

If youre tired of having the same stew, chili, steaks, hamburgers and pork chops most people eat during the fall and winter, if your taste buds are craving some of those sweet, white, light-textured crappie fillets, if you want to take a break from hunting and TV watching, and if you want to catch a mess of crappie this fall and winter, then this book is for you, whether youre a beginner or a seasoned crappie angler.



How To Fish For Trout - Stocked Trout (Stocked Trout Are For Stocking The Freezer)
http://www.amazon.com/gp/product/B007N922LG

Don't mistake stocked trout for real fish! Of course I say that with a smile on my face, but think about it. Stocked trout are raised in hatcheries, confined in holding pens and fed by their keepers. They are more like cattle then fish.
They are good eats, mild tasting and low calorie, sustainable farm raised fish, healthy and monitored, free from contaminants that plague some fisheries. Safe to eat as often as you like. Grocery store prices range from 5.99 to 9.99 a pound for farm raised trout. You can save hundreds of dollars by learning to catch stocked trout.
Trout fishing season is a put and take fishery, the state puts them in and the fishermen take them out. They are stocked to provide sport for fisherman nationwide. With generous limits on how many you can take a day, you can stock your freezer quickly depending on how often you go fishing.
There are several things any fishermen or woman can learn about catching stocked trout. Read and apply the things I share in this book and you can take full advantage of trout fishing season and have plenty of fun and enjoyment while doing it.



The Fly Caster Who Tried to Make Peace With the World
http://www.amazon.com/Caster-Tried-Make-Peace-World-ebook/dp/B00...

For Ian Mac Bride, his way begins almost accidentally when, in 1909, he watches a fly-casting tournament in New York's Central Park, and begins to dream of becoming a great fly caster.
But soon Ian experiences personal tragedy, and then is appalled by the unexpected slaughter of World War I.
He retreats into the world of fly fishing and fly casting, and meets unforgettable anglers like: Doc, a Civil War veteran, who tells how, after he enlisted in return for drinking money, he was unexpectedly changed by the horror of war; Izzy, a mysterious immigrant, who, in his way, teaches Ian perhaps the most important lesson of long-distance fly casting; and George M. L. La Branche who, though torn by self-doubt, writes the book that revolutionizes fly fishing.



The Best Wild Game & Seafood Cookbook Ever: 350 Southern Recipes for Deer, Turkey, Fish, Seafood, Small Game and Birds
http://www.amazon.com/gp/product/B00AN7GDW4

This cookbook contains some of the most-delicious recipes we've tried and tested from the best wild-game and fish chefs all over the nation to answer the question, "What will I do with this meat?" It contains delicious recipes for venison, elk, wild pigs, turkeys, birds, rabbits, squirrels, crabs, shrimp and more than 20 species of freshwater and saltwater fish, as well as helpful information about how to prepare your game or fish for eating.

Because wild game and fish eat only natural and native forage, their meats are some of the most cholesterol-free meats you can serve. Fish and wild game have not been injected with any hormones or antibiotics. To feed your family lean meat and fish, this outdoor cookbook will tell you some of the tastiest ways to prepare these dishes from the wild. Free-range meat is in high demand and sells for high prices at grocery stores. However, there's a tremendous bounty of free-range meat for those who go afield to hunt and fish. This cookbook contains more than 350 of the best wild game recipes we've used over the last 46 years for you to enjoy.

Now includes a fully clickable table of contents for easy recipe navigation!







Totally Free Deals
g: -2 Posted By: DTASFAB
Views: 139 Replies: 4 This texting conversation took place within the past hour. Names have been changed to protect the guilty (since there are obviously no players in this who are innocent). Background info is that my close friend Vinny is engaged to Caroline and they are scheduled to be married in the next six months. They're looking at apartments, but I'm not sure if they're planning on renting or buying. In either case, I'm concerned that my checking/savings accounts could mistakenly show up in their background checks when applying for a rental and/or mortgage. Both my checking and savings accounts are titled exactly "DTASFAB ITF VINNY." I kept the entire discussion in the texting format to avoid too many follow-up questions. Everything I know at this point is part of the exchange that's copied below.

QUESTIONS: What's the worst thing that can happen (legally speaking) to him if he goes back to the bank tomorrow and actually attempts to withdraw my money? I realize most of you will say my friend could steal my money, but I don't even care about that. I'm just pissed at the bank right now.

Did the teller actually violate any laws and/or banking regulation? Is there a way to profit from it already? Would there be a way to profit from it that first would require some action on my part, his part, or both?

Most importantly, if we both do nothing from this point, is there any chance this could negatively affect Vinny's tax burden and/or apartment search?

TL;DR - just read the thread title

Vinny: Can you close the joint TD bank account we have?

DTASFAB: It's not a joint account, why?

Vinny: They told me we have an account together with 400 dollars in it. I assume the money is yours.

DTASFAB: Who told you?

Vinny: TD bank, I was depositing a check into a joint account and they asked me which one. I said there is only one I know of..... and she said there are two accounts with my name on it, one with Caroline and one with you with 400 dollars in it. Did you forget about it?

DTASFAB: I will go over there tomorrow and chew them a new a$$h0le. They have no legal right to discuss that account with you. It is in trust for you only. You get the money only if I die. Otherwise your name is not on the account. That teller broke the law by telling you how much is in there.

Vinny: It was either opened in 2012 or that was the last activity

DTASFAB: The last activity on the account was a couple weeks ago. The last activity on it that had anything to do with you was the same day I opened it in Oct. 2012 and made you the benficiary.

Vinny: Okay, I didn't know anything about it obviously, just make sure my SS number isn't on it for tax purposes, and thank you.

DTASFAB: You think I'd forget about a bank account that had real money in it? lol Your SSN and birthdate are on it for beneficiary purposes only so they can identify and authenticate you as the legitimate beneficiary when I die...... They still broke the law and I'm going to rip them 100 new a$$h0le$ tomorrow

Vinny: Awesome, kick their a$$, I never really thought you would forget, but it caught me off guard. Bank branch where this happened was at XXX XXXXXXXX XXXXXXXX, teller's name was Caroline. Bank is open for 25 more minutes if you want to call and talk to her or the manager.

DTASFAB: hard name for you to remember? lol You'd better pray it doesn't become a name you'd prefer to forget

Vinny: Lol never

DTASFAB: I'm not going over there today. I know they're open. I have to figure out if there is a way to profit from this before I confront them.

Vinny: Sounds good, be careful, your life is now worth $400 to me... you are worth more to me dead than alive

DTASFAB: The checking account with $1000 in it is also ITF for you, that's 1400, enough for a vasectomy even if you have no health insurance. You should kill me and use the money to get snipped. I'd take that tradeoff.

Vinny: Thanks man, I'll take that money and use it for fertility pills. You better cut me out real quick. They didn't tell me about any other account.

DTASFAB: Yeah probably because you said "joint savings."

Vinny: Any chance I can withdraw it all now and use it for the wedding? It will be a great gift. I didn't try to withdraw anything. Imagine if they let me access to it lol

DTASFAB: You should try tomorrow and see what happens. See this is why I don't react quickly and throw temper tantrums. I want to give them every possible opportunity to #&%@ themselves so we can profit in some way.

Vinny: I will try tomorrow for sure.

DTASFAB: I'll keep you updated.
Tax Deals
g: 0 Posted By: remick
Views: 73 Replies: 0 How To Hunt and Take Big Buck Deer on Small Properties
http://www.amazon.com/gp/product/B00OOC2T0Y

As I've been interviewing hunters from across the nation, I continue to hear the same story. You wont believe how small the property is where Im taking trophy bucks. With the price of deer leasing continuing to escalate and fewer large tracts of land available, hunters are leasing small tracts of land or gaining permission to hunt these small properties.

In this book, you'll read about 14-different hunters who either have gained permission or leased properties as small as 6 acres to as much as 250 acres, and they consistently taken older-age-class bucks off these little lands.

When John and Jim Scott got pictures of a monstrous 10-point buck made from a surveillance camera at a suburban apartment complex, they immediately secured permission to hunt those 60 acres. John took a buck that scored in the 170s, and his twin brother, Jim, took a buck that scored over 160. Today they consistently take older-age-class bucks every year off this property and other small lands they hunt all over the nation. When we learned that big bucks live on small properties, Jim and I both changed the way we hunt, John Scott explains. Now, we focus all our time and energy hunting on and finding small properties.

Small tracts of land:
are easy to set-up trail cameras on, identify the bucks on these properties and make a hit list of bucks you want to take;
have little or no hunting pressure, and many hunters drive past them;
may home small patches of woods that are sanctuaries where big bucks concentrate during daylight hours;
may have the property around them intensively hunted, pushing big deer onto the small property; and
may be present but not visible on maps of public-hunting lands.

This book will teach you:
how to find and identify a small property that may hold trophy bucks;
how to get the landowners name of the small property;
how to use the boundary lines of adjacent properties to learn where big bucks are;
what to look for on small properties that cause that land to produce older-age-class bucks every year; and
how to find and take trophy bucks on small woodlots.

Thanks to some new types of maps available, often you can find the properties you want to hunt and then lease or obtain permission to hunt them without leaving home. If you're tired of paying high prices to join leases where you see few if any older-age-class bucks, if you want to have small family hunting spots for you and your family members, and if you want to become a trophy deer hunter who consistently bags big bucks every season, How to Hunt and Take Big Buck Deer on Small Properties is a must read.




also free

Crappie: How to Catch Them Fall & Winter
http://www.amazon.com/gp/product/B00GDP0W2C/

Yes, you can catch and eat crappie during the fall and winter months. Often at many places, youll catch more and bigger crappie in the fall and winter than you do in the spring and summer. To learn where to find and how to catch cooler weather speckled sides, weve interviewed a wide variety of some of the nations best tournament crappie fishermen and guides. Many of the individuals youll read about in this book are tournament crappie pros, who travel the country to fish in crappie tournaments from New York to Florida and from Virginia to California. They use the latest crappie-finding equipment, the best poles, rods, reels, line and the most-productive baits. Each of the people youll read about in this book has the ability to be dropped-out of an airplane anywhere in the United States and catch crappie on any lake close to where they land that contains crappie. From over 50 years of crappie-fishing experience, Ive learned you get the best advice by interviewing a large number of people, who have different tactics and fish under various water, weather and fishing-pressure conditions.

In this book, you will learn:

how to spider-rig (slow-troll), which is one of the fastest-growing techniques for catching the most and biggest crappie in the shortest time.
how to catch crappie on crankbaits, and when and where using a crankbait is the most appropriate.
how to find areas of any lake that will hold large schools of crappie during the winter months places you can return to time and time again and expect crappie to be there.
why competing in crappie tournaments is one of the quickest ways to learn how to catch more and bigger crappie faster.
why and how to look for and catch the biggest crappie in a lake.

A bonus chapter in the back of the book with 64 videos has more tips about and with the people you read about in the book.

If youre tired of having the same stew, chili, steaks, hamburgers and pork chops most people eat during the fall and winter, if your taste buds are craving some of those sweet, white, light-textured crappie fillets, if you want to take a break from hunting and TV watching, and if you want to catch a mess of crappie this fall and winter, then this book is for you, whether youre a beginner or a seasoned crappie angler.



How To Fish For Trout - Stocked Trout (Stocked Trout Are For Stocking The Freezer)
http://www.amazon.com/gp/product/B007N922LG

Don't mistake stocked trout for real fish! Of course I say that with a smile on my face, but think about it. Stocked trout are raised in hatcheries, confined in holding pens and fed by their keepers. They are more like cattle then fish.
They are good eats, mild tasting and low calorie, sustainable farm raised fish, healthy and monitored, free from contaminants that plague some fisheries. Safe to eat as often as you like. Grocery store prices range from 5.99 to 9.99 a pound for farm raised trout. You can save hundreds of dollars by learning to catch stocked trout.
Trout fishing season is a put and take fishery, the state puts them in and the fishermen take them out. They are stocked to provide sport for fisherman nationwide. With generous limits on how many you can take a day, you can stock your freezer quickly depending on how often you go fishing.
There are several things any fishermen or woman can learn about catching stocked trout. Read and apply the things I share in this book and you can take full advantage of trout fishing season and have plenty of fun and enjoyment while doing it.



The Fly Caster Who Tried to Make Peace With the World
http://www.amazon.com/Caster-Tried-Make-Peace-World-ebook/dp/B00...

For Ian Mac Bride, his way begins almost accidentally when, in 1909, he watches a fly-casting tournament in New York's Central Park, and begins to dream of becoming a great fly caster.
But soon Ian experiences personal tragedy, and then is appalled by the unexpected slaughter of World War I.
He retreats into the world of fly fishing and fly casting, and meets unforgettable anglers like: Doc, a Civil War veteran, who tells how, after he enlisted in return for drinking money, he was unexpectedly changed by the horror of war; Izzy, a mysterious immigrant, who, in his way, teaches Ian perhaps the most important lesson of long-distance fly casting; and George M. L. La Branche who, though torn by self-doubt, writes the book that revolutionizes fly fishing.



The Best Wild Game & Seafood Cookbook Ever: 350 Southern Recipes for Deer, Turkey, Fish, Seafood, Small Game and Birds
http://www.amazon.com/gp/product/B00AN7GDW4

This cookbook contains some of the most-delicious recipes we've tried and tested from the best wild-game and fish chefs all over the nation to answer the question, "What will I do with this meat?" It contains delicious recipes for venison, elk, wild pigs, turkeys, birds, rabbits, squirrels, crabs, shrimp and more than 20 species of freshwater and saltwater fish, as well as helpful information about how to prepare your game or fish for eating.

Because wild game and fish eat only natural and native forage, their meats are some of the most cholesterol-free meats you can serve. Fish and wild game have not been injected with any hormones or antibiotics. To feed your family lean meat and fish, this outdoor cookbook will tell you some of the tastiest ways to prepare these dishes from the wild. Free-range meat is in high demand and sells for high prices at grocery stores. However, there's a tremendous bounty of free-range meat for those who go afield to hunt and fish. This cookbook contains more than 350 of the best wild game recipes we've used over the last 46 years for you to enjoy.

Now includes a fully clickable table of contents for easy recipe navigation!



Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 145 Replies: 0 Get 20% off new video games for 2 full years (NEW)
Get 2x base points on new video game software, digital content, and game accessories
Get 2 points for every dollar when you trade-in games
Get points on gaming consoles
Redeem Reward Certificates on nearly everything at Best Buy, including special money-saving exclusive offers
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Buy two, get the third free on pre-owned games via special welcome coupon
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Q: How much does the My Best Buy Gamers Club Unlocked membership cost?
A: Purchasing the membership by itself costs $119.99 for 2-years of membership. But, if you are currently a member, you get these new benefits for as long as your membership lasts.

www.bestbuy.com/site/My-Best-Buy/Gamers-Club/pcmcat338600050004....
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Benny the Jumping Bull 6-Colors $24.99 + SH @ Woot
Added on : Saturday October 25th 2014 08:00:07 PM
g: 0 Posted By: ctgolfer
Views: 114 Replies: 0 shipping adds $5


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

Choose from 6 Colors

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

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g: 0 Posted By: johnnyz
Views: 161 Replies: 0 http://www.amazon.com/dp/B00O10PTGA/
$19.99 - $7 = $12.99
Coupon:MPOWFMTR
Free shipping w/ Amazon Prime or orders over $35.
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Schleich Big Knight's Castle $97.99 @ Amazon
Added on : Saturday October 25th 2014 12:00:02 PM
g: 0 Posted By: heeljeff
Views: 152 Replies: 2 Found while shopping for kids presents, but hesitant to post as I think this is still overpriced, lessening the 'deal' quality.
link
Quite a drop in price for a 'new' Schleich
Note that most if not all reviews are Vine reviews, and thus not worth much IMO.
Toys Deals

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Free - DxO Optics Pro 8 for Windows or Mac
Added on : Saturday October 25th 2014 11:00:07 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.dxo.com/intl/dphotographer

DxO Optics Pro 8 review (not mine)

I've been using DxO since version 5 in 2008, and Lightroom since version 2. DxO used to be way ahead of LR in terms of processing because the idea of automatically correcting lens distortion for every lens and body was the foundation of DxO. It was only introduced much later in LR. I don't use the two programs together because i feel they're quite redundant today, but a lot of people used to have complicated workflows where they imported pictures in LR, processed them for geometry in DxO and made the final export out of LR again. It was a mess.
LR offers today the same corrections so DxO loses its edge there. However, i think LR as of now is bloatware, with a lot of album and export functions that are likely useful to the wedding or event photographer but not to the hobbyist. I wouldn't mind except that LR is one of the least optimized photo software in terms of speed. Each new version is slower than the previous one, and i'm annoyed by the fact that it literally requires a supercomputer to run decently. If you don't agree with me, i invite you to download and try Oloneo PhotoEngine to see how fast photo processing can run when it's well written software (that one does HDR in realtime without GPU assistance).
Anyway, DxO also requires a heavy computing platform, but its remaining strength is batch processing. I prefer the LR interface to edit a single picture, but if you need a hundred pictures to look nice and don't have the time to tweak them individually, DxO is the way to go. The PRIME noise reduction feature in DxO 9 is light-Years Ahead of LR. It takes so much time that it's really reserved for that one special picture you need to salvage, not for your regular workflow, but it's incredible. I'll try to post an example when i find it. Please note that feature was introduced in version 9.
I noticed the DxO 8 license offered above is not upgradeable. Everybody interested in DxO should try it, but don't rush to buy version 9 yet, try it first too. Considering their release schedule, i'm also fairly certain that version 10 is due in the next couple of months, if not weeks.
Totally Free Deals
g: 0 Posted By: remick
Views: 376 Replies: 0 http://www.amazon.com/Guidance-Creating-Your-Power-Attorney-eboo...


Lean how to create your own will and power of attorney forms to prepare for an uncertain tomorrow.
Written and edited by licensed attorneys.
No one wants to think of their own death. But it is important to plan for your family and other loved ones are provided for if anything should happen to you. Guidance On Creating Your Own Will & Power of Attorney can help you create your will (last will and testament) and power of attorney legal documents that you actually understand.

Wills and powers of attorney are not only for people who are at the age where death is not far away. People die at all ages. A will is needed if you have assets and property to be allocated to those you wish to benefit. A power of attorney can help fulfill your specific wishes if you are ever in a comma. Now is the time to think about creating your legal documents if you have not created them. If you have created them, make sure that your documents are current and reflect the changes in your life because the court will look to these documents as proof of your wishes. If you dont have them or they are missing, the court will apply state laws. These laws may not reflect your wishes, so make sure you look seriously at the making or updating of your documents at the earliest.

Sample Forms Include:

Wills

Last Will and Testament (for single and married couples)
Self-Proving Affidavits
Living Will
Power of Attorney

Healthcare"Durable
Financial"Durable
Minor Child Care"Limited
The Legal Self-Help Guide series provides information to those who want to understand their legal rights and responsibilities in an effort to resolve legal problems or know enough to feel confident in their decision to retain legal counsel. This Guide provides plain-English explanations as an alternative to the legal jargon that fills legal books.

Express Your Rights. At Peerless Legal we believe the law is only useful when people have the tools they need to understand their rights. Join us on our quest to make the law usable and accessible to anyone. Peerless Legal was founded with quality in mind. All of our products are created by a licensed attorney who believes in our mission to empower individuals by giving them the legal self-help tools to access legal information, make decisions, and engage the system. You can take part by turning information into actions.

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Youll discover how to:
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reduce stress and heartache for loved ones,
and specify funeral wishes,




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The Barefoot Retirement Plan: Safely Build a Tax-Free Retirement Income Using a Little-Known 150 Year Old Proven Retirement Planning Method That Beats The Pants Off Other Plans
http://www.amazon.com/The-Barefoot-Retirement-Plan-Little-Known-...
4.4 out of 5 stars 19 customer reviews)

The Barefoot Retirement Plan reveals a little-known, 150 year old proven retirement planning strategy that quite simply, beats the pants off other plans. Thats why many are calling this non-traditional plan, Americas Most Powerful Retirement Plan. Less than .01% have even heard of this patent pending plan. The rich have quietly been using variations of this plan for over a century. Large corporations, banks and financial institutions own hundreds of billions worth of these plans. The reason some of the brightest minds in the world invest so heavily in these strategies is because, they work!

If youre like the majority of Americans who have been faithfully following the mainstream traditional investment advice, and relying on your IRA (Individual Retirement Account) or 401(k) to reach your retirement goals, youre probably very concerned about having enough funds to last throughout retirement. 61% of Americans fear running out of money during retirement, more than they fear death. It doesn't have to be that way. This plan can help you to look forward to retirement, instead of dreading it.

Were giving away our custom retirement savings calculator for free. In our opinion, its the best retirement calculator out there. It visually shows you the power of this plan compared to your current retirement plan, IRA, ROTH, 401(k), etc. You can get your free Barefoot Retirement calculator at: BarefootRetirement.com/calculator

This is not just another boring financial book. Its written in laymans terms and you will find lots of images and charts to help you clearly grasp the concepts. This book will show you how you can create a retirement plan that offers:

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You will not find a better retirement plan anywhere!



When Can I Retire? How Much Money Do I Need to Retire?: The Ultimate Guide to Helping You Answer These Questions and Figure Out How to Retire Early
http://www.amazon.com/When-Retire-Much-Money-Need-ebook/dp/B00O6...
4.8 out of 5 stars (5 customer reviews)

Will your nine-to-five workday only end when your vitality is sapped, when your zest is completely gone, and theres nothing to look forward to but quietly dying in your bed? It doesnt have to be that way. Theres no reason to spend your whole active life tied up in the same unrelenting cycle of making money only to use it up without ever having really tasted it. You dont need to wait so long to schedule all the things you want to do at the very end of everything, when you are scarcely able to physically enjoy it. But that is the default, and that is where youre heading if you dont take decisive, certain action now. If you go with the flow and settle for only as much retirement planning as your workplace provides for you, youll have to adhere to their suggested retirement date, or stay on the job until you are ready to draw social security. If you want to something different, it is you who has to take the first proactive steps toward your own dreams. Nobody is going to do that for you. And the earlier you start, the better. This ebook will help you take charge of your work, your finances, and your future, enabling your retirement to begin the day that you say it does. You dont have to retire at age 65 just because Jack, Betty, and Susan are going to. This is your life, and you owe it to yourself to take control and plan it your way.

Here Is A Preview Of What You'll Learn...
Pros and Cons of Early Retirement
Taking Stock of Your Options
A Nest Egg to Fund Your Early Retirement
Watch it Grow! The Power of Compound Interest
Nontraditional Ways to Fund Your Early Retirement
Health Insurance and the Retiree
Pitfalls of Early Retirement Planning
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Retirement Solutions: Financial Strategies for Today's Retirees
http://www.amazon.com/Retirement-Solutions-Financial-Strategies-...
4.8 out of 5 stars (20 customer reviews)

Realizing your retirement dreams is only possible with the right Retirement Solutions in place. This information will help you implement Retirement Solutions to fit your unique set of goals, aspirations, and resources.Financial retirement specialist, Michael Dallas, compiles over two decades of proven wisdom into a must-have reference for today's retiree. Find the vital information you need to create your ideal retirement, including: Tax Solutions - lower your tax burden Portfolio Solutions - successfully invest your retirement nest egg Income Solutions - get the most from your pensions and Social Security Risk Solutions - protect yourself and your loved ones against the worst





Estate Planning in Plain-English: Legal Self-Help Guide
http://www.amazon.com/gp/product/B00KPBSX08
4.9 out of 5 stars (15 customer reviews)


Americas easiest to understand estate planning guide designed to balance plain language, organization, and usability for maximum comprehension of wills, trusts, and powers of attorney
Increase your understanding of estate planning with this guide written and edited by attorneys that is valid in all 50 States and Washington, D.C.
Most people have the capacity to understand what is involved in creating an estate plan. Whether you are looking to create your own estate planning documents or you have already retained a lawyer, you can benefit greatly from knowing what is involved in creating an estate plan.

The lack of easy to understand information prevents most people from trying to understand what is involved in estate planning. This leaves many people frustrated and apprehensive about estate planning. This book can help fill this information gap and may reduce your frustration and apprehension because, in writing this book, we assume you have no prior knowledge or experience with estate planning. We cut down on the legal jargon and where the legal jargon is inescapable, we provide additional explanations. We start at the absolute basic level while helping you with ideas you may not have considered.

You should buy this book if you want to learn more about how to plan for your death to make it easier on your loved ones you leave behind.

Open the book to:
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and Eliminate uncertainty in tomorrow with a plan in hand.
˃˃˃ No matter the size of your estate or the type of property you own, this book provides information you can use to plan your estate, including why you need a will, power of attorney, and living trusts. An estate plan can help ensure your wishes are carried out following your death and creating an estate plan can provide you with the peace of mind of knowing that your final arrangements have been planned.
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˃˃˃ Easy to understand, in plain language, and a time saver, Estate Planning in Plain-English is designed for married couples with and without children, and single people in all 50 States and Washington, D.C. who want to find estate planning information they can understand, quickly, and accurately.
Take action before an emergency or crisis
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 use promo code: JNBOSEP2814SHIP1 for $1 shipping

The 515 is inspired by the archival classics of New Balance's past. Always classic, and always cool, the 515 combines a suede-mesh upper with an EVA midsole and rubber outsole to bring you as much comfort as it does style. With the 515, it doesn't matter where you're going, because everyone's going to want to follow.

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Proslat Storage Racks $69.99$249.99 + SH @ Woot
Added on : Friday October 24th 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 83 Replies: 0 shipping adds $5

ProRacks

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


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

5/5 stars, save $5.89

Hearty Fall Soups and Stews
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g: 0 Posted By: Y3ll0wSlack3r
Views: 106 Replies: 0 Advanced Coupon Strategies: Money saving secrets from a coupon shopping expert

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

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

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

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

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

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

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


Our Super Highway Train Set puts a whole busy city at your childs fingertips
Its so much fun pushing the vehicles up and down the track and discovering all the fun details this detailed set has to offer
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Packaged with detailed, step-by-step assembly instructions
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Views: 129 Replies: 0 Evernote. Wow! I Didn't Know It Could Do That.: How-To Tips with Pics

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

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

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

Chapter 2. Notebooks, Tags and Notes
How to Structure Your Notebooks and Tags
Encrypting Text
Edit PDF
Note Links
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Shortcuts to Folders and Files
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Chapter 3. Search
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Chapter 4. Share
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Wordpress
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g: 0 Posted By: Y3ll0wSlack3r
Views: 54 Replies: 0 Happiness: How to Stop Feeling Depressed, Hopeless, Lonely, Sad and Be Happy


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

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

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

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

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

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

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

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

The wisdom contained in this book will help relieve:
-Anxiety
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There are so many things that affect your happiness:
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Inside of the happiness book, youll find all of the life-skills you need for living a much happier life.

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

Tags: How To Be Happy, Happiness, How To Be Happy Alone, How To Be Happy No Matter What, How To Be Happy All The Time, How To Be Happy Single, Depression, Sad, Lonely, Depressed, Happy People, Happy Thoughts, Happiness is a choice,How To Be Happy With Yourself, Being Happy
Fremo P52 5200mAh Power Bank External Battery Charger $12.99 A/C @ Amazon
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g: 0 Posted By: DanoMcGarret
Views: 164 Replies: 0 e Staplesad for the week of 10/26 is up - Not much to get excited about but the 15% coupon can be uaed on
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Staples Multipurpose Paper, 8 1/2" x 11", Ream $4.99 after SER
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Staples copy paper is ideal for everyday use. Whether used in the office or at home, this paper delivers crisp, clear print quality that is high-contrast and therefore easy to read. You can use this letter-sized paper in printers, copiers, and fax machines to get consistently high print quality. Safe for Archiving Staples copy paper is ideal for printing records that will be kept for a long time. The composition of the paper is entirely acid-free, which means that it will not yellow or crumble when it is stored. Use it for long-term projects in which the paper will be heavily handled or for documents in your archive. Bright White Color The bright white shade of Staples copy paper provides a high level of contrast for documents printed in black ink. As a result, printed text is easy to read, which helps you and your colleagues to avoid straining your eyes. Plentiful Supply This case of Staples copy paper contains five reams of paper, each of which contains 500 sheets. That means you can print 2,500 pages of information before you need to order a refill.In store only. Limit 4 rebates per household
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$19.99 after easy rebateStaples 8.5" x 11" multipurpose paper 10-ream case Staples Letter-Size Multipurpose Paper - Create Perfect Prints and Copies.
Item: 513096 In store only. Limit 4 rebates per household.
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Toshiba Canvio Connect 1TB Portable Hard Drive (Silver) $54.99 Save $20Item: 180279 Model: HDTC710XS3A1 Toshiba Canvio Connect portable hard drive in silver color has 1TB capacity with USB 3.0 interface and provides transfer rate up to 5Gb/s. 8MB Drive requires speed of 5,400 RPM with 12 ms average seek time and is compatible with PC, Mac.

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


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


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

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



Thank you for reading.
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g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00LOWZZ0I

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

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

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


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

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




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


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


Street Game: Day Game Tactics
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Simple Tricks To Get The Guy Of Your Dreams: Learn how to find the man you want and get him to love you
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Little Book of Dating Secrets - Finding Mr. Right Has Never Been This Much Fun
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Books Deals

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

www.sears.com/worx-20v-cordless-grass-trimmer-edger/p-0717171400...
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g: 0 Posted By: Y3ll0wSlack3r
Views: 127 Replies: 0 Push: 50 Secrets on How to Land a Job by Creating Social Media Buzz Book DescriptionPublication Date: June 7, 2011Job hunting used to be so much simpler.

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

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

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

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

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

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

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

Are you ready to push?

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

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

Get it while it is FREE

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

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

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

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

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


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

Get it while it is FREEEditorial ReviewsAbout the Author In 1975, my husband, two little baby girls, and I were living in an apartment in Chicagos Hyde Park district. My husband had diabetes and asthma and I realized I didnt know very much about healthy food and the best way to feed my family. Id always been a fairly decent student having graduated a few years earlier with a M.A. degree from Bradley University in clinical psychology. I minored in biology as an undergraduate and did postgraduate work in biology with an emphasis on human anatomy and physiology. Ive also done considerable independent study in this area as well as studying about foods simply because I enjoy it and to help my husband with his Type 2 Diabetes. My latest book, How to Eat Healthy foods to eat . . . foods to avoid, is available at on Amazon.com
$9.99 @tanga.com 6 ft wall decal writing surface
Added on : Wednesday October 22nd 2014 12:00:15 PM
g: 1 Posted By: DaysFan
Views: 205 Replies: 0 Http://www.tanga.com
Sick of your kids coloring on your wall? Give them a space to let their imaginations run wild without having to call a clean-up crew afterwards with todays deal for a 6-Foot Chalkboard or Whiteboard Decal.Turn any ordinary wall into a fun writing surface with this easy peel-n-stick decal. Perfect for kids coloring surfaces, grocery lists, calendars, weekly dinner menus and much more, the 1.5ft x 6.5ft decal can be cut into any shape and size. The decal sticks to any wall and peels off without any residue.Skip the scrubbing and give your family a wall to color on without the mess!Transform any wall into an intentional writing surfaceInstalls onto any clean, smooth surface or painted dry wallCan be cut into any shape or sizeEasily wipes clean with cloth or towelCan also be used on tabletops for a creative work stationList all your vital thoughts, school or business data, and personal communicationsNon-toxic and 100% lead free vinylYour choice between chalkboard or whiteboard stylePerfect for childrenBrand New30 Day WarrantyWhats Included:6-Foot Wall Decal Writing Surface (Choice of Chalkboard or Whiteboard)Chalkboard Option Includes: 5 Pieces of Chalk (2 White, 1 Yellow, 1 Blue and 1 Red)White Board Option Includes: 1 MarkerDimensions:Item measures 6.5′ 1.5′ (L x W)
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TC Helicon VoiceLive 2 Floor-Based Vocal Processor Restock $349.99 Fs @ MF
Added on : Wednesday October 22nd 2014 05:00:14 AM
g: 0 Posted By: tedhawkins
Views: 162 Replies: 0 TC Helicon VoiceLive 2 Floor-Based Vocal Processor Restock $349.99 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

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

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

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


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

use promo code: TR3NUEEY

free shipping with Prime or on $35+

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

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

save $5.99

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

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

Pumpkins are healthy powerhouses that can help:

Maintain Or Improve Healthy Eyesight
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DOWNLOAD THIS E-BOOK NOW and learn many different and deliciously healthy ways to enjoy more of this natural health powerhouse such as:

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

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

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

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

edited typo

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

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

Hamilton Beach 22-Quart Roaster Oven:

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

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

Reviews at Amazon are good:
amazon link for reviews


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

4.6 out of 5 stars (41 customer reviews)

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

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

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

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

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

100% legal in USA and Canada

You can play for free or for real money.
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Pretty much they have it all when it comes to fantasy sports.
For full rules about the match bonus, read here.
IMPORTANT NOTE: FanDuel is currently NOT offering paid entry games to residents in the following states :
Arizona, Iowa, Louisiana, Montana or Washington. If you are a resident in one of those states and want to know why is that - read here.


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

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




also free

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

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


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


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


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


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

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

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

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

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

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

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

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

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

Disc 2: Blu-ray Additional Special Features

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

Disc 3: DVD

West Side Story Digitally Restored in
Standard Definition
Music Machine

Disc 4: Tribute CD: Songs and Music

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

50th Anniversary Collectibles:

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

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

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

4.9 out of 5 stars (11 customer reviews)

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

This book answers that question.

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



also free

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

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




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

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

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

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

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



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

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

You Are About To Discover:
- How To Use The Power of the Mind To Your Advantage
- Why & How the Law of Attraction Can Make You Rich
- The Steps Napoleon Hill Used To Become One of the Richest Men Ever
- Strategies To Keep a Positive Mindset & Believe in Yourself
- How To Deal With Failure
- And Much Much More!
Books Deals

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g: 0 Posted By: remick
Views: 12 Replies: 0 http://www.amazon.com/dp/B00JD07HMM

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

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

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

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

Discover Natures two most powerful health supplements

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

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

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

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

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


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

Black with red
Red with white.

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


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

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

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

Avocado: Today's Superfood.

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

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

What you will Learn:

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

free shipping with Prime or on $35+

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

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

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

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

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

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

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

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

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

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

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


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

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Clean Food Diet: Avoid Processed Food and Eat Clean:

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

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

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

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

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

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


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

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

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

The Acid Reflux Cookbook

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

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

Clean Food Diet: Avoid Processed Food and Eat Clean:

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

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

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


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

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

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


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

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

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

The Acid Reflux Cookbook

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

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

Product DescriptionCapacity: 32GbToshiba FlashAir II 32GB Wireless SD Memory CardWant to share photos anytime, anywherewithout the hassle of pulling the memory card from your camera? The FlashAir II Wireless SD Card is your ticket to ultimate convenience, letting you share your lifes moments with others wirelessly and instantly, right from a tablet, PC or smartphone. Like all SD cards, the FlashAir II holds lots of pictures, videos and filesnow with capacity up to 32GB. Yet the FlashAir II is so much more than a simple storage device. By creating its own wireless LAN access point, the FlashAir II lets your friends and family view pictures on your camera through a browser on your PC, smartphone or tablet, quickly, easily and securely. They can download them, too. All they need is a wireless LAN connectionno special driver, software, cables or even an Internet connection. Built to last thanks to Toshiba innovation, the FlashAir II Wireless SD Card is guaranteed to make sharing photos and videos more fun and social than ever.Amazing Wireless ConvenienceIn the old days, you had to pull an SD card from your camera and upload pictures to a PC in order to share them. Not anymore. The FlashAir II Wireless SD Card includes a wireless LAN chip plus an antenna that makes it accessible to any WLAN-capable PC, smartphone or tablet. Its internet pass-through feature allows you to access the card and the internet at the same time. Thats great news for those who want to upload and share photos of kids soccer games or stunning tropical sunsets just seconds after they happen.Faster and Roomier Than EverNow enhanced with Class 10 speed, FlashAir II Wireless SD Card enables super-fast data transfers so you can upload your images and videos within seconds. It also offers higher storage capacitieseither 16 GB or 32 GBso youve got plenty of room for photos and memories galore.Easy as Can BeThe FlashAir II Wireless SD Card is ultra easy to useand compatible with most digital cameras. Forget about special drivers, software or carrying cables just for data transfer. Simply slide the card into your digital camera or camcorder. Its built-in wireless LAN access point requires no Internet connection to share pictures on devices or social networksjust your excitement.All-Access. All at Once.The FlashAir II Wireless SD Card support simultaneous access from up to seven devices. So you can take photos with your digital camera and they can instantly be accessed and stored on multiple PCs, Macs, Ultrabooks, tablets or smartphonesall at the same time. Best yet, no internet connection is required to access them. So as soon as your images are uploaded, your friends can take a look. And a free FlashAir app makes it easy to share with iOS and Android devices.
Memory Deals

Amazon Coupons
g: 0 Posted By: DiMAn0684
Views: 73 Replies: 0 I've been with my current insurance company (Plymouth Rock) for 3 yrs now and just got renewal documentation with new premium going up by 30% (no accidents / violations in the past 6 yrs). The cost increase was pretty disappointing so I decided to see how much a similar policy would cost with other insurance providers. So far I have tried getting quotes from three other companies (Geico / Progressive / Metlife) but all of them had property damage liability of $100k max available through their online tools. My current policy goes up to $250k and I'd like to either stick with that amount or go higher. Any ideas on why other insurance companies have such low limits and if there're any ways to increase them? Thank you!
Insurance Deals
Toshiba FlashAir 8GB Wireless Flash Memory SD Card $14.99 at Newegg
Added on : Saturday October 18th 2014 07:00:14 AM
g: 0 Posted By: BullishDad
Views: 207 Replies: 0 Toshiba 8gb FlashAir at Newegg

CodeEMCWPWB35 reduces cost to $14.99.

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

Link to Amazon with reviews



SD & SDHC Deals

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

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

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

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

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

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

- New game menus and save/load system

- Remastered stereo music

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

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

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

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

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

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

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

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

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

- New game menus and save/load system

- Remastered stereo music

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

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

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

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

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

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

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

From ZUMBA FITNESS(R).

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

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

Includes:

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

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

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

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

Includes:

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


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

free shipping with Prime or on $35+

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

www.amazon.com/dp/product/B00O10PTGA
Electronics Deals

Amazon Coupons
Bank of America Accolades American Express Card
Added on : Friday October 17th 2014 08:00:19 AM
g: 0 Posted By: GrandmaS
Views: 96 Replies: 1 Hello,

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

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

4.5 out of 5 stars (44 customer reviews)

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

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

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

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



also free

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

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



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

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



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

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



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

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

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

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



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

Reflections on the Lord's Prayer in Luke's Gospel
A series of essays that reflect on the Lord's Prayer as it appears in the gospel of Luke, phrase by phrase. Consideration is given to how the phrases are expanded and explained in the parables and teachings contained in the rest of the gospel. Also considered are the roots of key concepts in the Hebrew scriptures. Ramifications of different phrases in contemporary American society are mulled. Some will laugh, some will frown, some will nod in agreement and some will spit nails. And some may do all of these things. If this provides food for thought and reflection, it has reached its goal. If it provides some nourishment for your journey, it will have been worth the writing.
Books Deals

Amazon Coupons
Free Kindle Book- The Truly Offal Recipe Book & other cookboooks
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 The Truly Offal Recipe Book: How to Cook the Parts Others Throw Away
http://www.amazon.com/dp/B00OI2UIKS/

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



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

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

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



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

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



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

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



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

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

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



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

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

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

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



also free

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

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

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



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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Unparalleled Multimedia Connectivity
With Support for a Variety of Multimedia Formats

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

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

HDMI Interface
Offering Ultra-Smooth HD-Quality Image Performance

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

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

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

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

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



Shipping Note: Eligible for shipping to all 50 states

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

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

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

Product Features:

Houses an enormously capable 10,000 mAh battery
Carries enough power to fill most phones over 5 times on a single charge
2 Rapid-charge output USB ports charge phones faster without overcharging
Charges via power connection or its front-mounted solar panel
Solar charging and high capacity make this ideal for camping and power outages
High capactiy and rapid charging ports can even charge larger tablets
LED battery indicator lets you know how much charge you have left
Batteries & Chargers Deals
g: 1 Posted By: remick
Views: 118 Replies: 0 http://www.amazon.com/dp/B00EPFSXV4

5.0 out of 5 stars (21 customer reviews)

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

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

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

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

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

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

Includes:

iO HUB interface
USB cable
User guide
Safety and warranty manual


Electronics Deals

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

free shipping with Prime or on $35+

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


www.amazon.com/dp/B00DWKK6PE/
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Fiskars X7 14 Inch Hatchet - $17.49 on Amazon
Added on : Sunday October 12th 2014 04:00:04 PM
g: 1 Posted By: jrtang
Views: 231 Replies: 0 Fiskars X7 14 Inch Hatchet

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

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

Free shipping with prime or $35+

http://www.amazon.com/Fiskars-X7-Inch-Hatchet-78506935/dp/B0002Y...
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Amazon Coupons
Free - Bob Proctor's "The Success Puzzle" Program (was $195.00)
Added on : Sunday October 12th 2014 07:00:17 AM
g: 3 Posted By: remick
Views: 608 Replies: 1 https://www.facebook.com/OfficialBobProctor/app_680609651976809

Includes six MP3 audio downloadsandworkbook.

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

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

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

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

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Services Deals
g: 1 Posted By: remick
Views: 212 Replies: 0 https://www.facebook.com/OfficialBobProctor/app_680609651976809

Includes six MP3 audio downloadsandworkbook.

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

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

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

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

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

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

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

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

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

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

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

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

Code is:CAJAHR1011

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

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

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

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

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

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



also free

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

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



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

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

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



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

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



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

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



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

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



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

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



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

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

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
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g: 0 Posted By: brotherhpj
Views: 206 Replies: 0 9 Bin Pocket Organizercomes fully assembled in the box. Simply pops open and pops shut. Great for every room of the house. Great for shoes, sweaters, office supplies, crafts and much more.Sears Link

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

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

www.sears.com/worx-20v-cordless-grass-trimmer-edger/p-0717171400...
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Job Related Issues - How to Tackle?
Added on : Thursday October 09th 2014 05:00:04 PM
g: 0 Posted By: WalletFatKing
Views: 154 Replies: 2 Hello Members,

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

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

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

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

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

Thank you for your inputs.






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

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

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

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

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

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

4.6 out of 5 stars (16 customer reviews)

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

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



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

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



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

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


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

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

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



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

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

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



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

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



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

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

Native Series 30 degrees $29

Native Series 0 degrees $39

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

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

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

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

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

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

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





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

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

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

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

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

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

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

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

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

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

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

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



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

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



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

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

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

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

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

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

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

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

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

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

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

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

Technical specs:

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



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

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

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

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

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

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

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

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

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

Includes:

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

Features:

Six-Piece towel set with two bath towels, two hand towels, and two wash cloths
40% Rayon from bamboo and 60% combed cotton
Softer and more absorbent than ordinary cotton towels
Antibacterial and hypoallergenic
Eco-Friendly: Created from renewable resource resulting in smaller carbon footprint
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 116 Replies: 0 SUNFORCE 1.8 Watt Solar Battery Maintainer $14.88 Fs to store Westmarine

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

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

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


Includes:

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


Warranty: 5 year limited



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

Best Buy Link

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

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


Monitors Deals

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

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

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

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

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

please suggest your experience.Thanks in advance


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

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

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

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

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

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

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



Luggage Deals

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

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

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

www.staples.com/mophie-iPhone-5-Helium-Silver/product_1169363
g: 1 Posted By: ctgolfer
Views: 151 Replies: 1 Zero gravity (or anti-gravity) chairs are designed with comfort in mind, so much so that that they're widely used not only as camping, patio and pool furniture, but also in beauty salons, offices all across the world and as a reflexology chair
Included is a removable / adjustable pillow, great for use as a headrest or for the perfect lumbar support
UV-resistant high quality breathable mesh fabric and a powder-coated steel frame for long lasting use
Angle lock allows you lock in several reclining angles from sitting up to the "zero gravity" position
Secured with elastic cords
Durable and lightweight
Weight Capacity: 330 lbs, Chair
Included : 2 (PC) Deluxe Zero Gravity Chairs


www.ebay.com/itm/2-Zero-Gravity-Recliner-Patio-Pool-Folding-Chai...
g: 0 Posted By: ctgolfer
Views: 116 Replies: 0 25% more powerful than the competition with 150 in.-lbs. of torque, while operating at 0 - 500 RPM
30% more run-time than the competition with the ability to drive up to 130 3-in screws
Fuel gauge lets you easily see how much battery life is left
Metal gear housing ensures a greater durability and a longer tool life
Built-in LED light illuminates the work area and makes it easier to see in dark, tight spots
30-minute charger keeps you working with little to no downtime
Small compact size gives you the freedom to use a power tool where not normally accessible with other driver/drills
Soft grip sides protects and grips surfaces
Lithium-Ion manganese chemistry provides fade-free power until the end of the charge
Quick bit-loading 1/4-in hex chuck for bit insertion and release with one hand


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

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

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

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

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

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


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

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

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

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

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

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

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

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

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


Batteries & Chargers Deals

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

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

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


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

Free shipping and return.

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

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

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

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

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


Vacuum:

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

Filters:

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

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

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

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

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

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

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

- How to play when the river is dealt

- What to do when you play your first live tournament

- When to pass up close gambles in tournaments

- How to avoid common bet-sizing mistakes

- How to use Fold Equity

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

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

- When to bet into a dry side pot

- How to play when your opponents straddle

- How to utilise the squeeze play

- How to avoid results-oriented thinking

- How to keep good records

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

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

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

- How to avoid common robotic and predictable plays

- How to play when you are card dead

- How to defeat online opponents using HUDs

- How to use the metagame to your advantage

- Why Nietzsche was Right about Poker

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

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

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

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

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

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

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

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

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

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

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

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

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

4.3 out of 5 stars (45 customer reviews)

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

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

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

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


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

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



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

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


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

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

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

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

Transform Bucky into a submarine!

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


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

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

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

Rock the Never Sea!

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

What do I get?

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



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

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


Features

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

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

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

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

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

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

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

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

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

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


Music Deals

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

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

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


*Game Pieceswill not be Issueduntil In-Store Starting Game Date (September 30, 2014)

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, Free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online, Validat participating McDonald's restaurants.


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


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


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




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



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



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



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

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

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


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





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



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



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

** Plus $2,500 for wireless service


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

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

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

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

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


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

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

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


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


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

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


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Tools & Automotive Deals

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


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

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

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

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

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

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

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


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



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



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




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



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



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

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


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





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





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





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



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

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

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



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

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

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




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


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

McDonald's Monopoly Sweepstakes is here again! Enter the 2014 Monopoly Game at McDonald's for your chance to win thousands and thousands of prizes like a million dollars cash, $100,000 cash, free McDonald's food prizes, and much, much more!Must be 13+ to enter and play online. Subject to Official Rulesatwww.PlayatMcD.comand participating McDonald's restaurants.


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



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


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




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



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



# CHANCES PER PRODUCT:
======================
* 20-piece Chicken McNuggets................................4 peels**
* Large Fries..............................................................4 peels

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


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





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



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





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



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

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

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



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

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

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




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


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

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



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




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



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



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

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

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

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



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




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


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

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


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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

AARP The Magazine, October/November Issue 2014

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

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

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

Home & Garden Deals

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

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

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

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

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

Can I find a lower price for my flights ?

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

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

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

The Climb-N-Crawl Caterpillar

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


Ideal for the Imagination

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


Brighten up any Space

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


It's a snap!

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

About ECR4Kids

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

What's in the Box

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

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

free shipping with Prime or on $35+

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

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

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

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

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

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

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

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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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

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

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

Disadvantages

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






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

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

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

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

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

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

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

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

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

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

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

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

Select 550ML

- Travel and car tumbler for beverages; Convenient to carry
- Nylon cover makes this mug easy to hold; fits most standard car cup holders
- Silicone ring around tea strainer is leak-proof, odor-free and environmental health
- Made of ultra clear borosilicate glass (not plastic), heat-resistant, no worry of BPA or plastic taste
- Hand washing recommended; lid is dishwasher safe
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UFC - PlayStation 4 or Xbox One 29.96 @ Amazon
Added on : Monday September 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 free shipping with Prime or on $35+

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

Amazon Review

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

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

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


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

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

http://kids.woot.com/offers/bosch-mini-junior-workbench-1
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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 167 Replies: 0 6" (15 cm) touch screen
Safe and easy navigation on the big screen. See your next instruction better on biggest and sharpest screen yet. Bigger menus and buttons on the extra-large 15 cm (6"), high-resolution screen make input a touch simpler.
Split screen junction view
See two views at once and never miss an exit. In one glance, see a 3D view of road signs with arrows indicating which exit to take and a "birds-eye" view of complex intersections on your route.
IQ routes
The world's biggest database of real travel times is built into every TomTom device. Which means you'll get the fastest routes and most accurate arrival times. It's genius!
Advanced lane guidance
Clearly shows which lane to take at junctions so you don't miss your turn. On the most difficult highway intersections, realistic 3D representation of the junction keeps you relaxed and safe.
QuickGPSfix
QuickGPSfix speeds up the time it takes to fix your GPS position to help you drive off more quickly.
Rich maps
You are ready to go with the rich maps. IQ routes gives you arrival times you can rely on. And with a wealth of points of interest, such as phone numbers and opening times, you have even more information at your fingertips.
Points of interest
Your pre-installed map has Points of Interest from gas stations to hotels, so you are sure to find what you want.
Speeding alert
Alerts you when you're speeding, even if you're not in navigation mode.
Help me, emergency menu
You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area.
Safety preferences
Recommends driving breaks; warns when approaching places of worship or schools; unpaved road warnings; reminds you not to leave device in car; hides map view above a selected speed; reminds you which side of road to drive when abroad.
Fast route planning
No more waiting around - your route is calculated in a matter of seconds, so you get on your way much faster than ever before.
Eco routes
Driving with these fuel-efficient routes saves you money as well as reducing your impact on the environment.


www.sears.com/tomtom-6inch-touchscreen-gps-via-1605m/p-057294970...
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Sears Coupons
g: 0 Posted By: joshk34
Views: 195 Replies: 0 http://www.menards.com/main/p-2356990-c-10113.htm
Menards is running theSteele 5.5 HP, 2400 PSI Gas Pressure Washer (model SP-WG240N) for $159, with free shipping to a Menards store. Ordinary price is $259. Not much details for this item or availability on other sites but overall carries the Steele brand name. Offer ends 9/21/14 or while supplies last.A 2400 PSI pressure washer that offers exceptional versatility that makes washing your car, boat, RV, concrete, brick, wood decks and BBQ grills quick and easy. With the variable speed control and 4 quick-connect tips, this pressure washer can be used for jobs requiring concentrated, high-pressure water streams to jobs requiring wide angle, low-pressure water streams and everything in between.

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

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

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

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


High Quality Microfiber Cloth - Super Soft and Safe. It won't streak or scratch your car
Super Absorbent Towel - Drying your car without leaving behind water-spotting
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Best Microfiber Cleaning Cloth - Lift Dust and Dirt Very Well. Makes your life so much easier
100% Risk Free - Your Satisfaction Guaranteed OR Your Money Back

How Much Does Cheap Microfiber Really Cost You?The Best Microfiber Towels Will Save You Money in the Long RunNot all microfiber towels are created equal. Unfortunately, many microfiber towels in the market have these common problems:=small- Cause SWIRLS and SCRATCHES on your paint
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Most of these problems can cause you to spend more time and money to undo the damage caused by these towels.Fortunately, you won't have to worry about these with ourPremium Plush Microfiber Towelsbecause our towels are:=small- Made from high quality materials
- Very soft
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How much do I need to make to move out to SF? Recommendations? **Venting**
Added on : Thursday September 18th 2014 06:00:07 PM
g: 0 Posted By: Niftyone33
Views: 140 Replies: 6 Here I am a year later from my original post: Original post 2013.My question is the title, what is a reasonable amount to make to move out to San Francisco? What would you recommend I do?


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

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

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

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

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

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

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

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

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

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

Thank you so much



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

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

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

Please help out fellow FW.

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

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

2 examples:

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

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

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

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

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

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

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

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

www.bitsdujour.com/software/roboform-desktop/in=todays-deals-hom...
Software Deals
Free Kindle Book- Database Pro (was $19.95) and other related
Added on : Thursday September 18th 2014 03:00:04 AM
g: 1 Posted By: remick
Views: 219 Replies: 0 http://www.amazon.com/gp/product/B00BDS2FFQ

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



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


A Gentle Introduction to Computer Programming Fundamentals
http://www.amazon.com/gp/product/B00ECI0D0S/

Programming is fast becoming a basic literacy. Software is pervasive in society and therefore it is needed in virtually every occupation. But for some people, programming feels very unnatural; that's where this book comes in! This book is written in a step-by-step, tutorial style that makes programming available to pretty much anyone who cares to take the time to learn. It's the result of my years of experience and research into teaching introductory programming. In addition, I've used versions of this book in my distance education programming classes for years, which has given me the advantage of optimizing it based on student comments and suggestions.

You can start using this book right away, without buying anything else and without having to install anything on your computer! Within a few days, you will understand the basics of how computer programs work.
C++ is used in this textbook because the syntax is almost exactly the same as C, Java, Javascript, PHP and many other popular programming languages. If you master the concepts in this book, they will transfer to many other languages. In addition, C++ does not require a lot of "scaffolding" to set up. For example, Java requires understanding classes right from the beginning, and PHP requires understanding html. With C++, you start with four standard lines at the top of your program, and you're into the program. Note that I really like Java and PHP, and write in these languages myself quite often; however, for a basic introduction to programming, C++ is the way to go!
When you're finished with this book, the world of programming wil


Designing Embedded Systems: Guidebook
http://www.amazon.com/gp/product/B00JMIMFM2

This Guidebook reviews the Software Development and Engineering Principles involved in the Design of Embedded Computer Systems.

The reason behind developing this book can be answered by the following question. What does an embedded software engineer produce? Now most people would say 'prototypes' and this might seem like the correct answer but it is not. The correct answer is that the engineer produces documentation, documentation that shows other people how to understand and build the product.

Now imagine that you are a software engineer who has newly joined the company and you have been given the unenviable task of maintaining an existing product. Why was this work given to the new guy? The answer is that no one else in the company wanted to tackle this project. Why? Because there is no documentation. So to figure out what the product does and to fix the bugs the new guy (or gal) has to reverse-engineer the source code. So the money that management thought they saved when some code was quickly thrown together by a software engineer (who has since left the company) they now find that several times more is being spent to fix up all the bugs and possibly add on some minor enhancement.
This type of problem occurs when there is no development procedure.
Which brings us to the Guidebook.
The Guidebook provides a standard procedure which may be used by the Systems, Software, Embedded, Firmware and Hardware departments. Various design and development documents are produced at specific points in the project and are passed out for review prior to being used by other team members. By having this consistency the entire team now know which design elements will be produced and the need for implementing any reverse-engineering will be eliminated. Product costs for maintenance will be greatly reduced. Manufacturing and Test departments will now have the necessary details with which to complete their work. For shouldn't the designers who intuitively understand the product be the ones to write down their knowledge such that it can be passed on to others?
By presenting these steps in the form of a Guidebook which is distributed to the engineering team, it then identifies the documents that are to be generated, when they should be produced, who should create them and who should be involved in the review process. This keeps the entire team synchronized, fully aware of their responsibilities.
Now some companies do have such procedures but they are long-winded and stored away in some unknown location on a harddrive.
But a bright red Guidebook that clearly spells out the development process.
Now wouldn't that be worth having?


Intel Trusted Execution Technology for Server Platforms: A Guide to More Secure Datacenters
http://www.amazon.com/gp/product/B00DREFPK6

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g: 1 Posted By: Xenocrates
Views: 190 Replies: 0 DBZ Diamond Cavallo Flying V Guitar- $279.99 @ World Music Supply

I have actually plated one of these and looked them over for quality and I was quite surprised how much nicer this was then the Epiphone Flying V. It's definitely not everyone's cup of tea and it is a standing guitar as sitting with them is "interesting" to say the least.

Hard Case for this guitar- $40

Having worked for a big box music store I can attest to almost never getting any hard case for $40 even as a sweetheart deal while buying a nice guitar. Let alone a flying V case the most uncommon of cases.
Music Deals
Security: Debit card vs ACH for recurring bills?
Added on : Tuesday September 16th 2014 01:00:07 PM
g: 0 Posted By: gobleu
Views: 25 Replies: 1 I agree that debit cards are much less safe than credit cards, but I do not have any credit cards at this time and don't want any.

For safety, I have two checking accounts without overdraft protection: one for check writing and one for debit card use. While it was initially for security, I like the separation of active spending (debit card) from recurring monthly bills (rent check and automatic ACH withdrawals for utilities). My plan was to set the POS limits on the card associated with the check-writing account to $0.

So far good, but I have 2 - 4 small monthly bills totaling about $100/month which require the use of a Visa or MasterCard. From a budget / management standpoint, I'd like to pay these from the check-writing account. Unfortunately I can separate a daily POS limit, but not a per-transaction or monthly limit.

So while I agree that debit cards are risker than credit cards, especially for in store / online retail transactions, are they significantly much worse than checks/ACH for recurring utility payments to a handful of reputable vendors
Deposits Deals
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/gp/product/B00KO8ZCEC

Relocating to a new place, away from the people you care about and away from your familiar surroundings, may prove to be more difficult than you ever imagined. And regardless of whether it is а local, cross-country or international move, there will be an overwhelming number of factors to consider before you can make the right choice under the circumstances. Remember that information is your best friend and helper in your imminent decision, and that help is always available in one form or another.
Relocating Without Breaking A Sweat: Your Handbook For A Perfect Move is your invaluable helper during these transitional times. This book covers everything you need to know before, during and after your residential or long-distance relocation: from the fascinating history of the moving industry, through great practical moving tips and ultimate packing guides to best ways to relocate locally, interstate or abroad with your children, pets or plants, plus a wide range of various personal possessions. Also, the book offers helpful DIY advice and an extensive section of what to do once youve moved to your new home (including tips for resolving issues with your mover). And much, much more!
Its end will surely bring a smile on your face.
Be well informed.
Be ready for the challenge.
Find yourself in the drivers seat of this moving adventure.
This book is being delivered to you in partnership with MyMovingReviews.
Totally Free Deals
Free Kindle Book- The Complete Kitchen Remodeling Workbook
Added on : Tuesday September 16th 2014 12:00:17 PM
g: 0 Posted By: remick
Views: 70 Replies: 0 http://www.amazon.com/gp/product/B00NF0N7VQ/

The Complete Kitchen Remodeling Workbook is a valuable kitchen design resource for ambitious homeowners that want to finish their projects on time and under budget. If you're thinking about remodeling your kitchen, this book is a must-read. The workbook is designed to walk you through the remodeling process step-by-step and includes bonus printable worksheets.

This book was written by Ryan Hart, an experienced architectural consultant and internationally recognized designer. As a young designer he worked on multi-million dollar custom homes in Los Angeles, CA, which gave him valuable insights into the common remodeling problems homeowners face on a regular basis.

His early success led him to work with celebrity clients in Beverly Hills, like Jenny Jones, Francis Ford Coppola and many others.

Now he's opening up his box of tools that were previously reserved for his premier clients. This workbook is the first step toward helping homeowners design their dream kitchen on their own terms. Inside you'll get access to expert home remodeling tips, kitchen design resources and much more.
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g: 0 Posted By: tedhawkins
Views: 176 Replies: 0 Silver Dog Crate Kennel - Pet Playpen Cage w/ Metal Tray Pan $22.75 - $61.75 + Free shipping - american specialty tool via eBay

http://www.ebay.com/itm/Silver-Dog-Crate-Kennel-Pet-Playpen-Cage...

(Various Cage sizes)

Premium quality - These affordable cages from SmithBuilt Crates are expertly crafted using commercial-quality materials and superior manufacturing to produce cages built to last a lifetime.

Strong and safe These pet homes are built using all-steel wire (between 5-gauge and 9-guage, depending on the model chosen) for long lasting durability. This high tensile-strength wire is securely formed and welded into a tight mesh pattern, designed to keep your pet safe and secure.

Multiple doors - Crates feature multiple entry/exit doors, providing additional convenience when feeding and training. Each door closes and locks easily with a slide-bolt latch (the doors on the 36" and larger cages each feature two latches).

Superior finish - These cages are finished with a thick zinc galvanization, much stronger than the electro or powder coats seen in inferior cages. This finish is rust, corrosion and fade resistant, even in extreme climates.

Easy to setup - Cages are fully pre-assembled. To use, simply unbox and fold open; no tools are required.

Metal tray - Each cage features a lightweight, shiny steel tray. Steel is the absolute toughest tray material available; it will last forever and cant be chewed or eaten like plastic trays. In addition, these trays are treated with a durable zinc galvanizing process, making them rust and corrosion resistant. The tray is held securely in the cage with a retaining bar that prevents the tray from becoming accidentally dislodged. The tray features a lip around the perimeter to contain any mess, and it is easily removable for cleaning.

Portable - These lightweight cages are "suitcase" style; this means when you need to take them down, they don't disassemble into multiple paces like other cages. Instead, they collapse, or fold into a flat package less than 4 tall. This allows you the ability to easily transport or store them anywhere, and they only take seconds to setup again. Cages also feature a removable, top-mounted handle for additional convenience.

Optional divider - Cages can be ordered to include an all-metal divider. This allows the internal size of the crate to be made temporarily smaller for training purposes. The divider can then be moved / repositioned as the pet grows in size. The divider can be placed at any position in the cage and removed when no longer needed.
Pets Deals

eBay Coupons
g: 0 Posted By: tedhawkins
Views: 103 Replies: 0 Hamilton Beach The Scoop Single-Serve Coffeemaker + $25.49 Back in Shop Your Way Points @ $49 Sears Free store pick uphttp://www.sears.com/hamilton-beach-the-scoop-8482-single-serve-coffeem... coffee thats as personal as your distinct taste with The Scoop Single-Serve Coffeemaker. Each cup is made fresh and flavorful just the way you like it. You can make just the amount you want getting a perfect cup every time without spending much more on expensive brands.Purposefully called The Scoop, the unique single-serve coffeemaker lets you simply scoop your preferred ground coffee, add water, and brew in its single servescoop filter without any extra steps. It lets you brew 8 to 14 ounces conveniently to fit into your travel cup or coffee mug making it perfect for when youre on the go.Its sleek stainless steel styling looks chic and contemporary on your countertop enhancing the look of your kitchen just as it lights up your taste buds with its smooth aromatic brew.Elegantly and durably constructed, the coffeemaker features a built in stand for mugs so you can easily dispense hot aromatic coffee straight into your mug without the hassle of a carafe. Get real, rich coffee instantly without settling for the instant brand with this Coffeemaker from Hamilton Beach.

Brew your own ground coffee with its single-serve scoop filter
Scoop your favorite ground coffee and brew
Hotter*, faster* and better taste
Brews up to 14 ozs. into travel cup or coffee mug
Single serve for less*
Durable stainless steel construction
Built-in stand for coffee mugs
Includes 2 scoops



Appliance Deals

Sears Coupons
g: 0 Posted By: priyacg
Views: 168 Replies: 0 Waring Pro DF280 Professional Deep Fryer, Brushed Stainless,Refurbished $64.99 FS at Asavings

http://www.asavings.com/waring-pro-df280-professional-deep-fryer...

Now you can serve up all your favorite food, from delicious breaded appetizers, to French fries, chicken tenders and much more, thanks to the Waring Pro professional 3-basket deep fryer. You can easily cook one large or two small batches at once with the durable mesh baskets with cool touch collapsing handles. Easily adjust the temperature and time using the up and down arrow buttons on the user friendly control panel. The fryers generous 1 gallon oil capacity reservoir will cook up to 2-3 lb. Plus, with a removable heating element this professional deep fryer is immersible for easy cleanup, it includes a deep-frying time/temperature guide and recipes .
Removable 1800-watt immersion style heating element

One-gallon removable enamel-coated oil container withpouring spout

One large and 2 small heavy mesh baskets with cool-touchcollapsible handles

30 minute digital timer and temperature control; Lid with viewing window

Brushed stainless steel; 2.3 lb. food capacity

90 Days Manufacturer Warranty
Appliance Deals
Alesis iO Hub 2-Channel USB Audio Interface $49 + Fs @ MF
Added on : Tuesday September 16th 2014 04:00:04 AM
g: 0 Posted By: tedhawkins
Views: 213 Replies: 1 Alesis iO Hub 2-Channel USB Audio Interface $49 + Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

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

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

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

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

Includes:

iO HUB interface
USB cable
User guide
Safety and warranty manual


Music Deals

Musician's Friend Coupons
Giveaway of the Day - System Navigator 2014
Added on : Monday September 15th 2014 10:00:15 PM
g: 0 Posted By: softwaredealhunter
Views: 64 Replies: 0 System Navigator is the most versatile file manager on the market! It contains many features that are not found in similar products. Program has an intuitive user interface that makes it easy-to-use and thats a plus. System Navigator helps you manage your files, but it does SO much more.

http://www.giveawayoftheday.com/system-navigator-2014/
Computers & Software Deals
Question Regarding Rental Income Interest Deduction
Added on : Monday September 15th 2014 02:00:07 AM
g: 0 Posted By: SoonerThanLater
Views: 27 Replies: 0 Hi All,

I've searched and really couldn't find anything about this. We've been renting out our old house for a few years now. We owe about $75k on it and we're thinking about refinancing down to 15 years. However, I was also thinking about just pulling the money out of a 401k and paying it off. I could save on closing costs and other fees. I know the pros and cons to each but I am just wondering how much I would be losing by forgoing the interest deduction???

If I refinance, I'll be paying about $2600 a year in interest. I am normally at the break even point on the rental. Does anyone know how much I will be giving up in "real dollars" when I file my taxes if I don't have that interest??? I know everyone's tax bracket is different but I am just looking for a ballpark to see if this will be worthwhile. I don't like paying interest but if I am getting everything back, that's different. However, I know that's not the case...

I welcome your input. Thanks all!
Real Estate Deals
Best way to book Four Seasons hotel trip?
Added on : Sunday September 14th 2014 06:00:06 PM
g: -3 Posted By: CorradoJr
Views: 696 Replies: 4 My wife and I are celebrating our anniversary and we will be booking a week at a Four Seasons property in Asia. This will be an expensive splurge for us and we are trying to figure out the best option to maximize rewards, CashBack, etc. Our options seem to be:

1. Book directly through Four Seasons
2. Book via a travel site (Expedia,Travelocity, etc.) and a partner site like ShopDiscover. This will get us 5% CashBack from Discover as well as points with Expedia for future hotel, flights, etc. (need to research Expedia's rewards program, not sure how much benefit it provides).
3. Use another 3rd party site (Groupon) to try to find a deal
4. Use another 3rd party travel site (Luxury Link) to try to find a deal

Four Seasons does not seem to offer many discounts (I realize this is part of the panache of the place) but trying to make this work in our favor as much as possible. As a last resort, I can always use a 0% APR card and/or do a Balance transfer.

So my main question is - have I overlooked any other options?
Question Deals
VA SUI Rate for employers
Added on : Sunday September 14th 2014 03:00:06 PM
g: 0 Posted By: samandy
Views: 56 Replies: 0 It looks like myVA SUI Rate for employers was set bit high for myself.
How can it be corrected and adjusted for previous portion of the year?

Its for my LLC with S corp treatment for my own payroll.

Thank you very much!
Question Deals
Reusable Grill Mats (2-pk.) - $7.98 shipped @ Tanga
Added on : Sunday September 14th 2014 12:00:04 PM
g: 0 Posted By: hellokitty27
Views: 318 Replies: 0 Tanga has Reusable Grill Mats (2-pk.)for $4.99 w/ $2.99 shipping.

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

Home & Garden Deals

Tanga Coupons
Kelloggs / CVS: $2 x 3 minus $5-rebate = pay $1 for three boxes
Added on : Sunday September 14th 2014 11:00:12 AM
g: 0 Posted By: DeGlass
Views: 88 Replies: 0 Repost of this:
http://www.fullofdeals.com/forums/grocery-coupons/1337345/?newest=...

CVS has Raisin Bran $8 for 4 thru Sept 20.
If your store still has those specially marked KFR boxes, they do qualify for the $5 rebate on 3. Net = $1 for 3 boxes.

Just make sure your cereal box refers to the $5 deal explicitly, otherwise your code won't count towards the rebate check.
The stuff's loaded with so much sugar it probably won't go stale anyways.
Specially Marked Products Deals
Best way to book Four Seasons hotel trip?
Added on : Sunday September 14th 2014 04:00:11 AM
g: 0 Posted By: CorradoJr
Views: 69 Replies: 0 My wife and I are celebrating our anniversary and we will be booking a week at a Four Seasons property in Asia. This will be an expensive splurge for us and we are trying to figure out the best option to maximize rewards, CashBack, etc. Our options seem to be:

1. Book directly through Four Seasons
2. Book via a travel site (Expedia,Travelocity, etc.) and a partner site like ShopDiscover. This will get us 5% CashBack from Discover as well as points with Expedia for future hotel, flights, etc. (need to research Expedia's rewards program, not sure how much benefit it provides).
3. Use another 3rd party site (Groupon) to try to find a deal
4. Use another 3rd party travel site (Luxury Link) to try to find a deal

Four Seasons does not seem to offer many discounts (I realize this is part of the panache of the place) but trying to make this work in our favor as much as possible. As a last resort, I can always use a 0% APR card and/or do a Balance transfer.

So my main question is - have I overlooked any other options?
Question Deals
g: 0 Posted By: Eryeal
Views: 214 Replies: 0 I posted a deal from this vendor on the Y70 a few days ago, and to my surprise it didn't get shellacked, so posting this one as I view as even better, at least compared with all other prices that I can see. It's the same price as the much lower model on Lenovo.com (the one with less RAM, graphics memory, etc), and that one on Lenovo.com is even on sale. Seems like a good price for this model? Same vendor sells on Amazon for $1499.99.

http://www.klickonline.net/lenovo-y50-touch-laptop-59421835-core-i7-4710hq-16gb-ram-15-6in-fhd-multi-touch-1920x1080-nvidia-geforce-860m-4gb-1tb-8gb-sshd-wifi-ac/

4th Generation Intel Core i7-4710HQ Processor (3.50 GHz Turbo, 2.50GHz Base, 1600MHz 6MB)
NVidia GeForce 860M 4GB
Genuine Windows 8.1 64 bit
16GB PC3-12800 DDR3 1600MHz SDRAM SODIMM Memory
15.6" 10 Point Multi-Touch Full HD 1080p (1920 x 1080) AntiGlare Backlit Display with integrated camera
Hybrid 1TB + 8GB Solid State Hybrid Drive
Intel Dual Band Wireless-AC 3160
Bluetooth
720p HD Webcam
No Optical Drive
4 Cell 54 Watt Hour Lithium-Ion Battery
Backlit Keyboard


Here is the Y50 Touch on Lenovo with less specs for the same price:

http://shop.lenovo.com/us/en/laptops/lenovo/y-series/y50-touch/
Laptops Deals

Lenovo Coupons
Lunch with Buffett Helps Man Realize He Is A Jerk
Added on : Saturday September 13th 2014 06:00:14 AM
g: 1 Posted By: sublimebri
Views: 136 Replies: 1 http://finance.yahoo.com/news/the-oracle-of-love--how-lunch-with...

Apparently, it was worth every penny of the 300k that the guy bid to have lunch with Warren Buffett... I could have told him he was a d-bag for much less and also told him that spending 300k for a lunch is insane.
Discussion Deals
g: 0 Posted By: st4rdust
Views: 191 Replies: 0 WalMart has Quirky Cordies Desktop Cable Organizerson sale for$3.88with free in-store pickup.

Available in black, blue, pink or white.

You can always use bread tabs, but I think this is much cuter/more sustainable.
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

A few years ago, my girlfriend and I decided to catering and concessions at a certain venue. It was a place I had worked 5 years before that and we did some unofficial food stuff for smaller events, and when the opening happened to take care of everything food related we took it. The management of the venue were friends and wanted to do a partnership, which appealed to use because we didn't have the capital to go all in by ourselves.

The management purchased the existing catering and concession equipment for X amount, for which we paid half (3 installments that year) and were to own half (we formed a LLC). Our agreement was that my girlfriend and I would get X per hour, and then split the profits at the end of each year. What ended up happening is that the venue ran a food "tab" for its workers which we kept track of, and then deducted that from the profits. 2 years out of the 4 the tab exceeded what their profits would be and money was sent our way.

This year, we moved because I got a job promotion and we decided we could not take care of the business at a level we were accustomed to providing. We jointly decided to try and lease the operations to some people and if they were able to handle it we would be bought out of our half. Unfortunately, the management was fired and replaced in a particularly nasty incident(s). I had talked to them afterwards and the response was just to sell everything.

I went to go look at things last weekend and did not like what I saw. Several items belonging to the business that were not stored with the concession stand(s)/truck(s) were gone, even a couple of propane tanks for one of the stands (which were locked) are gone. The management had pretty much taken everything of theirs not nailed down, but did not think that would include our items. There was a new temporary food person that had said he had briefly talked to previous management but was only interested in some of the equipment, not all of it. I have attempted to contact the previous management multiple times with absolutely no response. My spider sense is tingling.

I'm not really sure what my recourse should be to collect my "half" if things go south. The paperwork is all in the managements name, I just have a bill of sale and my checks whcih are clearly noted to be payments for half of the equipment. The management is in some hot water over multiple shady things that were uncovered, so my complaint would be a drop in the bucket. I don't think i can take them to small claims because they'd just hide behind the business name. I am friendly with the new venue management while the old management isnt even allowed on the property, so I guess I could pillage whats left or hold something for ransom, but I certainly think that would be a last resort kind of option. Any advice on how to proceed?


Discussion Deals
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
PetFusion Cat Scratcher Lounge $37.99 w/FS @ Groupon
Added on : Friday September 12th 2014 10:00:11 AM
g: 0 Posted By: ctgolfer
Views: 181 Replies: 0 Curved scratching surface doubles as a lounge for cats
Made from recycled corrugated cardboard
Sleek figure-eight design complements home decor and oversized numbers leftover from senior-picture photo shoots
Reversible surface for twice as much scratching
Large enough for several kittens or one large feline
No assembly required
Dimensions: 34" x 10.5" x 10.5"
Weight: 9 lbs

www.groupon.com/deals/gg-petfusion-cat-scratcher-lounge-2
Pets Deals

Groupon Coupons
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Revere Supply Ultimate Survival Glow-In-The-Dark 30-Day Lantern $29.99, Silver Lantern $29.99 West Marine Fs to store

REVERE SUPPLY Ultimate Survival Glow-In-The-Dark 30-Day Lantern
http://www.westmarine.com/buy/revere-supply--ultimate-survival-g...

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



Compact LED lantern that takes duration and durability to an entirely new level. The Ultimate Survival model provides up to 30 days illumination on low-, or as much as 32 hours on high-mode, making it ideal for extended moorings or as an all-night reading light. It features a rugged ABS and rubberized housing that is resistant to splashing water. Removable cap and lens provides forward, flashlight-like convenience, base includes built-in recessed hook for hanging overhead as an area light.

Battery Type: Three D-size (Sold separately)
Running Time: 30 days (low); 32 hours (high)
Beam Strength: 300 Lumens (high)
Bulb Type: Three 1.4W LEDs
Modes: High; Medium; Low; SOS
Dimensions: 9 1/2"H x 4 13/16"W x 4 13/16"D
Sports & Outdoors Deals
50% OFF Hyperlite Indy CGA Life Vest (Men's) $34.99 + $4.99 S/H @ 98Main
Added on : Friday September 12th 2014 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 136 Replies: 0 50% OFF Hyperlite Indy CGA Life Vest (Men's) $34.99 + $4.99 S/H @ 98Main

http://www.98main.com/

The Hyperlite Indy CGA Life Vest is a more comfortable and sleek option for women. Soft neoprene fabric in much better than nylon against the skin, and it even stretches for easy movement. The Indy Vest is low-profile in design and it drains quickly so it won't feel heavy.
Coast Guard Type III approved PFD
Segmented foam panels for low-profile feel
Drains quickly so it won't get heavy
Zip closure and 2 adjustable belts
Soft neoprene material for comfortable feel


Sports & Outdoors Deals
Time Magazine $24.99/year or $45 for 2 years A/C @ TopMags
Added on : Friday September 12th 2014 06:00:02 AM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 use coupon code: 71090

Time magazine is the first American weekly news magazine, and is the most popular one in America today. Each issue touches on a variety of topics, covering politics, business, science and technology, entertainment, and much more.

www.topmags.com/magazine/18068/time
Plink has shut down
Added on : Thursday September 11th 2014 04:00:16 PM
g: 0 Posted By: doveroftke
Views: 77 Replies: 1 It seems these types of independent linked-card cash-back programs (there's an industry term for it, but I can't recall it) just can't stay in business as Plink has ceased operation today without any advance warning. As you might expect, any un-redeemed points are worthless now. Per Plink.com:
Plink.com said: To Our Loyal Plink Members

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldn't have made it this far without such a loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed.

Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team

Oh well, got a few bucks out of it while it lasted.
Discussion Deals
Plink goes belly up
Added on : Thursday September 11th 2014 03:00:20 PM
g: 0 Posted By: MrVietnam
Views: 66 Replies: 0 To Our Loyal Plink Members,

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldnt have made it this far without such an amazing loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed. Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team
Interstate bus lines charging booking fee for online tickets
Added on : Thursday September 11th 2014 06:00:17 AM
g: 0 Posted By: atikovi
Views: 46 Replies: 0 I sold a car and will deliver it to western Massachusetts and take buses back to DC. Both Peter Pan and Megabus are charging a "booking" fee for tickets bought onlinewhich they make no mention of until the very last page after you've entered in all you information. Seems a little crooked but I'm sure most just go ahead and buy the tickets since they've come this far. At $1.50 per ticket it's not a big deal, but isn't the point of online automated ticketing to save the companies labor in not having as much telephone calls, and so the tickets would be cheaper? I wonder how long an airline would be able to keep this up.
Discussion Deals
g: 0 Posted By: Xanthuos
Views: 161 Replies: 0 After taking a BizRate survey, I was directed to this offer. You can access it directly by cutting & pasting the link below.
I've posted offers like this before. Please forgive me if they aren't of interest anymore - I don't get on the boards as much as I'd like.

Use a Visa/MC/Amex prepaid/rebate/gift card and you won't have to worry as much about the auto-renewal.

https://www.mybonuscenter.com/10036742/index.html
(Cut & Paste Link)


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


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Magazines Deals
Nikwax - Free Product If You Answer Quiz Correctly
Added on : Wednesday September 10th 2014 12:00:16 PM
g: 0 Posted By: CindyLouWho2
Views: 17 Replies: 0 ~~Nikwax - Free Product If You Answer Quiz Correctly
Nikwax is providing free samples ofone of their productswhen you correctly answer their quiz. Register and complete the quiz with the correct answers (click hint if your unsure) to receive a free sample of one Nikwaxproduct! NOTE:You can only win a maximum of one free product per household every 2 months.
There is usually one trick question or a math question in their quiz so they don't end up giving away too much of their product each month.

http://www.nikwax.co.uk/en-us/webquiz/index.php
Surveys & Rewards Deals
Motorola HX550 Universal Bluetooth Headset $29.99 at Staples.com
Added on : Wednesday September 10th 2014 04:00:08 AM
g: 0 Posted By: serenity22
Views: 188 Replies: 0 $29.99 at Stapels
$34.95 by Emazon 3rd-party sellers 4.1/5 stars 1548 reviews

Use coupons at Stapels to make the deal sweeter
Expires in 6 days or until sold-out


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CUSTOMIZE FOR COMFORT- The first headset that lets you choose how you want to wear it from three options - on your ear, in-ear with an earhook or in-ear without a hook

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Has auto insurance gotten a lot higher over the last several years?
Added on : Tuesday September 09th 2014 11:00:07 AM
g: 0 Posted By: told
Views: 29 Replies: 0 I've only had personal auto insurance once in my life over 2007-2008 in California when I was around 21 insuring an old 80's chevy blazer with Allstate, liability only. Came to a paltry $30 a month or so. Sold it and cancelled the insurance when I moved out of the country. Since then and now I've survived on a combination of bikes trains and other people's insurance plans. I now am moving to Buffalo and will need a car for the first time since. Planning on a cheap used 5 grand civic hybrid again with liability only and Geico is by far the cheapest quote I've gotten and I'm still getting a quote of $80+ a month. I know different states have different rates and expecting to pay the same price now for anything you were paying for in 2008 is a little naive but I also figured being a little older and over that <25 age hump is when your insurance tends to go down. Just looking for feedback if auto insurance in general has climbed that much higher in the last several years or if there's maybe just a chance the online quotes providers give aren't as accurate as they could be going through a live agent.
Discussion Deals
Free 1-Year print subscription to Motorcyclist Magazine - VM
Added on : Tuesday September 09th 2014 09:00:12 AM
g: 1 Posted By: quilligan
Views: 146 Replies: 0 Free 1-Year print subscription to Motorcyclist Magazine - ValueMags

Each issue combines the excitement and color of today's cruisers, sportbikes, naked bikes and touring machines with credible information on road tests, riding gear, safety issues, riding skills, features, new products and much more!
This subscription was purchased on your behalf byStartSampling.com

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

https://www.valuemags.com/freeoffer/freeoffer.asp?offer=Motorcyclist_StartSamp
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g: 0 Posted By: kharbanda2001
Views: 177 Replies: 0 DEALS
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Flight Deals Deals
Advice for Trip to Washington DC
Added on : Tuesday September 09th 2014 08:00:07 AM
g: 0 Posted By: anonguy
Views: 17 Replies: 0 Our family has cashed in miles (thanks FW on a Southwest credit card offer) for tickets to Washington DC next month (October). Checking TripAdvisor I quickly realized hotels are exceedingly expensive, so I have been looking into AirBnB. One of my questions, though, is what areas are considered safe? Most everybody that lists on the site says they are in a good neighborhood, but DC as a whole isn't the greatest. Since parking seems like a bear, we won't have a rental car and just use the Metro. But since we will have a grandmother and child, I would at least like to know we can walk the streets a little ways without too much worry. Or should I use cabs or a service like Uber if we are coming back after dark?

Also, since we will be there for about a week and a half, so I'm hoping we can cram in as many sites as possible. Which ones would you consider the must do?

Thank you for any advice.
Popular Destinations Deals
Office depot Brother Fax machine Was $59.99 now $19.99
Added on : Tuesday September 09th 2014 08:00:02 AM
g: 0 Posted By: chevytruckgirl4
Views: 144 Replies: 1 http://www.officedepot.com/a/products/768320/Brother-FAX-575-Per...


My momma needed a fax machine and I found this one for her. I don't know much about them but this seemed cheap to me lol.
Office & School Supplies Deals

Office Depot Coupons
Amazon - List of Cookbooks, Canning Books & Recipes - Free KINDLE
Added on : Tuesday September 09th 2014 06:00:05 AM
g: 0 Posted By: CindyLouWho2
Views: 46 Replies: 0 ~~Amazon - List Of Food Books & Recipes - Free KINDLE
Amazon = Several Food Books and Cookbooks - healthy & unhealthy! Free Kindle
JeBouffe Home Canning Step by Step Guide (second edition) Revised and Expanded [Kindle Edition]This guide is intended to provide you with the essential information to make your first small jars in a safe and enjoyable way. It will guide you through all stages from preparation to storage of your products.You will discover the principles of conservation for different types of food, the benefits of home canning, the recommended methods as well as the ones to avoid.Then you will learn the two proper methods of treatment: the boiling water bath and the pressure canning methods. You will find a list of essential equipment and the detailed steps for a successful canning experience.Finally you will gain some hands on experience with our easy and delicious recipes.This guide do not claim to be scientific or complete. We simply wants to give you the tools you need to get into the fun activity of preparing your home preserves.About this second edition:
Following the success of the first edition, and thanks to some suggestions from our readers, we offer this revised version, corrected and expanded. We have included the imperial and some tables on the processing time for the preservation of the most popular fruits, vegetables, meat, poultry and fish. We also cover the effect of altitude on the processing time and pressure required for the safe canning of foods.Improving on the initial contents of this document we have also redesigned it to make it more educational, more fun to read and use.We hope that this new revision will meet your expectations and wish you a successful canning experience and "Bon appetit"=====12 recipes that will allow you to practice the canning techniques. They are divided into three levels of complexity:Level 1 = easy. The recipes are very simple. You can focus on techniques for canning without too much worry about the recipe itself.
Recipe # 1 - Apple sauce with a touch of nutmeg and vanilla (boiling water method)
Recipe # 2 - Canned Pears (boiling water method)
Recipe # 3 - Canned fresh tomatoes (pressure canning method)
Recipe # 4 - Canned Carrots (pressure canning method)2 = medium level. The recipes are a little more elaborate. There are more steps before moving on to canning.
Recipe # 5 - Tangerine marmalade (boiling water method)
Recipe # 6 Pork Cretons la JeBouffe (pressure canning method)
Recipe # 7 - Quick and Tasty Green Ketchup (boiling water method)
Recipe # 8 - Marinara Sauce (pressure canning method)Level 3 = complex. The recipes are longer and more complex. There are more steps before moving on to canning.
Recipe # 9 - Plum jam with cinnamon (boiling water method)
Recipe # 10 - Nectarine Chutney (pressure canning method)
Recipe # 11 - Cherries and Raspberries Spread (boiling water method)
Recipe # 12 - Kedjenou chicken (pressure canning method)By following these recipes step by step, we guarantee the success of your first home preserves. After having practiced the basic techniques you can apply them to your favorite recipes and get our book "JeBouffe Home Canning Recipes volume1" for even more idea.http://www.amazon.com/JeBouffe-Canning-second-Revised-Expanded-e... Recipes: Lose Weight And Feel Great With Fat Burning Nutribullet Recipes [Kindle Edition]
Sarah Harvey (Author)
5.0 out of 5 starshttp://www.amazon.com/Nutribullet-Recipes-Weight-Great-Burning-ebook/dp... in Your Skillet: A Collection of Skillet Recipes [Kindle Edition]
Dennis Weaver (Author)
3.8 out of 5 starshttp://www.amazon.com/Baking-Your-Skillet-Collection-Recipes-ebook/dp/B...
Easy Appetitzer Recipes
http://www.amazon.com/Easy-Appetizer-Recipes-Instructables-Autho...
Green & Lean: 20 Vegetarian and Vegan Recipes for Building Muscle, Getting Lean, and Staying Healthy [Kindle Edihttp://www.amazon.com/Green-Lean-Vegetarian-Recipes-Building-ebook/dp/B...
Canning and Preserving Basics for Sustainable Living (Sustainable Living & Homestead Survival Series... by Gaia Rodale (Jul 30, 2014) - Kindle eBookhttp://www.amazon.com/DIY-Pantry-Preserving-Sustainable-Homestead-ebook... Flour Recipes - 40 Gluten Free Rice Flour Recipes For All Occasions [Kindle Edition]
Sarah Stevens (Author)http://www.amazon.com/Rice-Flour-Recipes-Gluten-Occasions-ebook/...
Ten Brides Ten Heroes Cookbook
http://www.amazon.com/Ten-Brides-Heroes-Cookbook-ebook/dp/B00L4D... Free Cookbook for Busy People on a Budget: 50 Delicious 30-Minutes-or-Less Recipes for Weight Loss, Energy & Optimum Health [Kindle Edition]
Helen Marie (Author)http://www.amazon.com/Gluten-Cookbook-People-Budget-30-Minutes--...
***
Slow cooker chicken recipes
http://www.amazon.com/Slow-Cooker-Chicken-Recipes-Goodies-ebook/...
***'
Just Desserts [Kindle Edition]
Kemberlee Shortland (Editor)
http://www.amazon.com/Just-Desserts-Kemberlee-Shortland-ebook/dp... Ice Cream : 30 Home Made, Paleo Friendly, Ice Creams To Keep You Cool And Happy! [Kindle Edition]
Dan Thompson (Author)
4.9 out of 5 stars See all reviews (13 customer reviSummer is here and don't we all just love our ice cream!But what is you are committed to a Paleo Diet? Would you let some ice cream break your commitment?Now, you don't have to!With this book, Paleo Ice Cream. you can enjoy delicious ice cream free of Gluten, Dairy and any kind oof artificial ingredientet. Simply follow the recipes and have you own, Paleo Frienfly ice cream prepared right in your home.http://www.amazon.com/Paleo-Ice-Cream-Friendly-Creams-ebook/dp/B...
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Burger Recipes: Juicy, Succulent Burgers Everyone Will Love (Everyday Recipe) [Kindle Edition]
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How to find fair market value of a house and lot
Added on : Monday September 08th 2014 11:00:12 AM
g: 0 Posted By: drdobro
Views: 79 Replies: 4 I am a babe in the woods when it comes to real estate dealings. My wife and I bought our home28 years ago and have lived there since, and that transaction is the extent of my experience. I hope some knowkedgeable folks can offer me advice on the following.My mother, 85 years old and widowed, has decided that her single-family home (3 bedroom ranch and acre lot) is too much. She and my father bought the place in 1967 and it has been kept up well. She wants to move into Section 8 housing, at a nice elderly apartment complex less than a mile from her house.On the Section 8 application, she has to list the "fair market value" of her property, which will not be sold until after she moves (waiting list 12 to 18 months). I asked the people at the housing office what they need, and they said they need a statement of fair market value from a realtor.What would be a typical fee for this kind of appraisal? Should we make any promises about listing the property with the realtor when it comes time to sell? Any pitfalls I should watch out for?Thanks in advance for any assistance.
Question Deals
g: 0 Posted By: dollarsanddeals
Views: 66 Replies: 0 Amazon is running a $30.00 off coupon bringing the final price on this to $104.27, with free SSS. Coupons are always limited, not sure how many of these are available att hat price.

http://www.amazon.com/Decko-Reduced-Function-Locking-Control/dp/...

I have this model, bought it last spring (w/o coupon- darn). watched the install video and it went up easy. works much better than the Craftsman model I replaced it with. 4.7 stars on 7 reviews- pretty good- others seem to agree with me.

some info:
Powerful 1/2 HP chain drive operating system. One single button remote, three function wall panel, light, lock and open/close, optical safety sensors, auto reverse safety sensor. 100 watt lighting system (bulb not included). Motor, powerful HP AC motor for quite reliable operation. Electronics, open and close adjustments with the simple push of a button. Auto reverse safety system with optical sensors. Non- polarized wired connections make installing the photo eyes error proof. Quality, six year limited warranty. Designed to handle extreme cold and heat. 20 point inspection quality control Decko garage door openers where created for the end user or self installing consumer in mind. Ease of installation is the number one reason Decko GDOs will exceed your expectations. Home link compatible, live in person installation assistance available at 1-800-GDO-4402, 8am -8pm central time or www.deckogdo.com.
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New Obama budget may require Roth IRA distrubution at 70 1/2
Added on : Monday September 08th 2014 02:00:10 AM
g: 0 Posted By: stormdog123
Views: 94 Replies: 1 http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs...
[L=http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs... said: http://online.wsj.com/articles/should-i-leave-a-roth-to-my-heirs-1410120116?ru=yahoo?mod=yahoo_itp]Two[/L] proposals in President Obama's 2015 budget, if approved, would change all that. The first would require Roth owners to start taking distributions at age 70. If that happens, "that asset pool might be pretty much wiped out by the time I get to leave anything to my heirs," says Jamie Hopkins, a professor in the retirement income program at the American College in Bryn Mawr, Pa. The second would end the ability of nonspousal IRA beneficiaries to stretch distributions. Instead, inherited IRAs would have to be disbursed within five years of the owner's death. (Certain beneficiaries would be exempt.)

It is just a proposal now. I hope this does not pass.

Discussion Deals
Cash Discounts for Fun and Profit
Added on : Sunday September 07th 2014 05:00:05 AM
g: 0 Posted By: GermanBoy
Views: 74 Replies: 0 Many merchants offer cash discounts. Sometimes those cash discounts can be greater than available category bonuses.

What types of places are more likely to offer cash discounts that are greater than credit card category bonuses? How much is the discount? Do you have specific examples?

Most gas stations I've seen offer a cash discount, but I've never seen one greater than 5%, so I always pass on this.
My dentist offered a 3% discount for paying with a check and a 5% discount for paying in cash. I don't have a card that offers 5% on dental work, so I took it.
I've never asked at a WalMart, Target, or other large merchant, but maybe they do have something in the register that they can give if asked?
Question Deals
g: 0 Posted By: ctgolfer
Views: 205 Replies: 0 FREE SHIPPING, Plus Up To 5% Back For Rewards Members

3-in-1: print, copy, scan
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also available in white
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g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Much more than a stylish speaker system, the Altec Lansing Octiv 650 lets you play video from your iPhone 4 or iPod touch on your TV. A free, downloadable "Music Mood" app lets you control a seven-band equalizer using your iPhone or iPod, and the app also provides an ambient library of relaxing visuals and sounds. Multiple input/output jacks let you use the speaker for TV audio, and an integrated, 4-inch downward-firing subwoofer improves the bass content of both your movies and your music. Compact enough to fit on your kitchen counter, this speaker has an all-black finish and wedge-shaped architecture that helps disperse sound evenly throughout your room.

http://1sale.com/electronics/audio-gaming/m650/
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1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 200 Replies: 0 Premium quality - These affordable cages from SmithBuilt Crates are expertly crafted using commercial-quality materials and superior manufacturing to produce cages built to last a lifetime.

Strong and safe These pet homes are built using all-steel wire (between 5-gauge and 9-guage, depending on the model chosen) for long lasting durability. This high tensile-strength wire is securely formed and welded into a tight mesh pattern, designed to keep your pet safe and secure.

Multiple doors - Crates feature multiple entry/exit doors, providing additional convenience when feeding and training. Each door closes and locks easily with a slide-bolt latch (the doors on the 36" and larger cages each feature two latches).

Superior finish - These cages are finished with an ultra-durable epoxy coating, much stronger than the electro or powder coats seen in inferior cages. This finish is rust, corrosion and fade resistant, even in extreme climates.

Easy to setup - Cages are fully pre-assembled. To use, simply unbox and fold open; no tools are required.

Black ABS tray - Each cage feature an ABS composite tray. Molded from thick, tough plastic material, this durable pan is super easy-to-clean, and unlike cold, hard and noisy metal trays, it will not stain, rust, warp, corrode or retain pet odors. The tray is held securely in the cage with a retaining bar that prevents the tray from becoming accidentally dislodged. The tray features an integrated lip around the perimeter to contain any mess, and it is easily removable for cleaning.

Portable - These lightweight cages are "suitcase" style; this means when you need to take them down, they don't disassemble into multiple paces like other cages. Instead, they collapse, or fold into a flat package less than 4 tall. This allows you the ability to easily transport or store them anywhere, and they only take seconds to setup again. Cages also feature a removable, top-mounted handle for additional convenience.

Optional divider - Cages can be ordered to include an all-metal divider. This allows the internal size of the crate to be made temporarily smaller for training purposes. The divider can then be moved / repositioned as the pet grows in size. The divider can be placed at any position in the cage and removed when no longer needed.

www.ebay.com/itm/Black-Dog-Crate-Kennel-Pet-Playpen-Cage-w-ABS-T...
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USAA Raising Rates in Texas ?
Added on : Saturday September 06th 2014 02:00:04 PM
g: 0 Posted By: insidetheloop
Views: 109 Replies: 3 I have been with USAA for 20+ years. I just signed up a new driver last year (16 year old son) and rates jumped big time. I expected that with a new driver. Its now one year later and all 3 drivers in the family have clean records. Since the new driver is now a year into his license with no incidents I wanted to compare policies. Current USAA policy with standard coverage and $1000 deductibles across the board is $3600 for a 6 month term. Geico and Progressive were both less than $2,000. I made sure both quotes were same exact coverage and consulted with USAA agent to make sure I was not missing something. Let them know of the huge discrepancy and asked if they could re-evaluate my policy b/c I did not want to leave. Her response was simply "we don't price match". Double the cost is too much even for the best customer service in the business. I am going to have to switch.

I just wonder how many customers are like me- I always trusted that the policy amounts were competitive but SUCH A BIG DIFFERENCE IS VERY DISAPPOINTING. I feel they are taking advantage of a very trusting customer base .

Am I way off base here or is this the reality of the competitive insurance business.
Discussion Deals
Pension Cashout? Transfer to IRA? or Let it ride?
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: pensioncashout
Views: 2 Replies: 0 Hi forum,

Thanks in advance for your thoughts. I worked for a company for 5 years and qualify for a pension. The amount of my cash out offer is not a huge amount ($16K), but given that I'm only 35, I know I'll subjected to a 10% early penalty fee plus taxes unless I roll-it-over to an IRA or let it ride to retirement age. If I wait until full retirement age, my monthly payment will be about $460 and it includes a 100% joint survivor clause. At today's dollars, assuming inflation of 2.5%, that cuts the monthly payment by ~50%, which isn't a whole lot.

A few additional details:

401K - $320K in mine $100K in my wife's (she's 31)
Liquidity - $185K
Equity in home currently being built - $250K
No credit card debt
No other debts except for some school loans my wife has ($30K) at very low interest rates


I'm in a situation that I don't need the money now, but as we're building a home, I'm tempted to rollover the pension lump sum to an IRA and decrease my 401K contributions to the minimum required to maximize my company's match in order to "recover" the full lump sum amount. Once the construction of the home is completed (6 to 8 months), we're going to refinance the home to a permanent loan. I'll likely keep about $100K in liquidity for emergencies (I'm conservative) and that will leave ~$85K liquidity to use + savings growth from lower 401K contributions + organic savings until then to further reduce the amount we need to borrow. Assuming today's interest rates don't change much, the lump sump would essentially get me a guaranteed effective 4%+ growth since I'd be using it to reduce my home loan amount. Am I looking at this right? What would you do in my situation? Pension Cashout? Transfer to IRA? or Let it ride? Any thoughts are greatly appreciated! Thanks!

New User Question Deals
Suggestions for Tax Advantaged Investment Accounts
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: PedestrianCrab
Views: 39 Replies: 1 Long time lurker, first time poster here.

My annual income is roughly $50k, 25 years old. I have maxed out my Roth IRA for the last five years since I learned about the magic of compounding interest. Nothing fancy, just a basic boglehead portfolio. I also have a personal brokerage account valued at ~$45k. I have an adequate liquid emergency fund set aside as well as access to cheap credit if needed. No other debts currently.

I have ~$35k that I would like to get into the market, but I am trying to think of a smarter way of going about this rather than just sticking it into my taxable brokerage account. My first thought was to see if my employer (State of Texas) allowed me to contribute outside money to their 401k program.. sadly, they do not. I've been researching for a while and have come across a few interesting ideas for folks with much higher incomes, but nothing that seems applicable to me. How can I be savvy about the type of account I use to invest this money in order to see some sort of tax benefit? Is it enough to even worry with?

Thanks!

tl;dr: 25 y/o, $50k income, no debts to pay down, Roth IRA maxed, 401k not looking like an option, how to invest $35k in a "tax smart" manner?
New User Question Deals
Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H
Added on : Saturday September 06th 2014 05:00:04 AM
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Gun Digest Guide to Maintaining & Accessorizing Firearms $19.99 + $3.99 S/H

http://www.gearhog.com/

Deal Overview
By Kevin Muramatsu

You'll appreciate this gun maintenance guide if:

+ You own a handgun, rifle, or shotgun, and want to know how to effectively care for your firearm
+ You're interested in learning about different upgrade and accessory options for your firearm

The Gun Digest Guide to Maintaining & Accessorizing Firearms by Kevin Muramatsu provides user-friendly and DIY advice for how best to care for your guns. Learn the basic steps you need to know and the tools you need to use in order to correctly and safely clean, maintain, and accessorize your firearms without damaging them. Discover the right and wrong ways to clean and maintain handguns, rifles, and shotguns, and learn alternatives to more expensive processes for keeping your gun in prime condition, like refinishing at home and adding custom designs.

In addition to the basics of gun maintenance, cleaning and care, Kevin Muramatsu stresses firearm owners' desires to personalize their guns, and caters to this desire with coverage of plenty of the goodies available for different models. Find out the why, what, and how for stocks, barrels, triggers, sight upgrades, mounting optics, swivels, swings, and much more. If your goal is to give your gun a unique look and feel, this guide will show you how to make that happen. Take advantage of the invaluable advice offered in this gun maintenance guide to ensure you are not only caring for your firearms the right way, but are making them uniquely your own.

In the Gun Digest Guide to Maintaining & Accessorizing Firearms you'll find:

+ Hundreds of detailed, full-color images, directly supported by detailed, instructive text
+ Answers to the most common gun maintenance and care questions
+ The basic steps for correctly cleaning, maintaining, and accessorizing firearms without damaging them

Contents:

Acknowledgements
Introduction
Chapter 1: The Guns and the Choices
Chapter 2: Tools and Safety Stuff
Chapter 3: Cleaning and Maintenance
Chapter 4: Grips and Stocks
Chapter 5: Magazines
Chapter 6: Sights
Chapter 7: Lights and Lasers
Chapter 8: Scopes and Optics
Chapter 9: Slings and Bipods
Chapter 10: Triggers and Fire Control
Chapter 11: Barrels
Chapter 12: Refinishing at Home
Appendix 1: Building Your Own, Legally
Appendix 2: Parts Resources
Books Deals
g: 0 Posted By: ctgolfer
Views: 123 Replies: 0

16.1 MP APS-C size HD image sensor,The same sensor format that Sony builds into the full-sized α DSLRs. With 13 times the area of the typical point-and-shoot image sensor, APS-C sensor size makes the difference between snapshots and photographs, delivering an exceptional combinat
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Full HD Movies1 at 60p/60i/24p,Capture HD Movies in your choice of super-smooth 60p, standard 60i or cinematic 24p, all at Full HD 1920x1080 resolution.1 AVCHD codec delivers stunning picture quality. MP4 codec offers
Connectivity with smartphones for One-touch sharing/One-touch remote has been simplified with Wi-Fi/NFC control. In addition to Wi-Fi support for connecting to smartphones, the NEX-5T also supports NFC (near field communication) providing to,Simple connectivity to smartphones via Wi-Fi or NFC
PlayMemories Camera Apps,Personalize your camera by adding new features of your choice with PlayMemories Camera Apps. Find apps to fit your shooting style from portraits, detailed close-ups, sports, time lapse, motion shot and much more. Use apps that shoot, share and save photos
The NEX-5T is equipped with a tilt-able LCD screen that flips up 180-degrees without sacrificing the compactness for which the 5-series is renowned for. This makes taking great self-portraits incredibly easy since users can precisely compose shots, choosi,180-degree tilt-able 3.0 Touch LCD
Picture Effect mode,There are 11 types (15 variations) of Picture Effects to choose from: Posterization (Color, B/W), Pop Color, Retro Photo, Partial Color (R,G,B,Y), High Contrast Mono, Toy Camera, Soft High-key, Soft Focus, HDR Painting, Rich-tone Mono, Miniature. Each is
Up to ISO 25600 sensitivity with advanced noise reduction,With a new Exmor sensor that features the same adaptive noise reduction technology from Sonys flagship SLT-A99V, the NEX-5T easily offers a wide range of sensitivity from ISO 100 to ISO 25600.
Accepts Sony E-mount lenses,Compatible with Sonys wide selection of E-mount series of smaller, lighter lenses designed specifically for α NEX compact interchangeable lens cameras. Open up a world of endless creative options.
Give your photos a professional look with Auto Object Framing. Featuring advancements like exceptional two-person portrait capability along with Face Detection and Tracking Focus, Auto Object Framing not only turns ordinary photos into stunning compositio,Auto Object Framing
Captures more scene dynamic range than a single exposure can handleand more range than photo film. Combines the best highlight detail from one shot, the best mid-tones from a second and the best shadow detail from a third for one incredible shot (up to 6,Auto HDR mode
Capture expansive landscapes automatically. Press the shutter, sweep vertically or horizontally. The camera does the rest, continuously shooting images and stitching them together. Up to 23 MP image size. Up to 202 degrees maximum sweep angle (18mm focal,Sweep Panorama Technology
Improves results with backlit subjects and recovers details hidden in shadows. Settings include Auto, Level with a choice of five operating levels and Off.,Dynamic Range Optimizer (DRO)
Control how the camera processes your images with six finishing styles: Standard, Vivid, Portrait, Landscape, Sunset and B&W. You can even fine-tune contrast, saturation, and sharpness to your personal taste.,Six Creative Style settings
The Photo Creativity touch interface enables you to easily enjoy the creative expression of SLR-quality digital imaging without the complicated settings. Changes can be easily made using the control dial with results seen in real time on the LCD. Settin,Photo Creativity Touch interface
Utilizing Sonys exclusive By Pixel Super Resolution Technology, Clear Image Zoom increases the effective focal length of your lens up to 2x by digitally magnifying the center of your image with nearly imperceptible degradation. It virtually doubles the e,Clear Image Zoom
Easily recharge the camera via USB charging. Simply connect the bundled USB cable and recharge the battery without removing it from the camera, either via AC outlet or PC connection.,Convenient USB charging
Multi-interface Smart Accessory 2 terminal greatly expands the connectivity options such as external flash units,Multi-interface terminal
Stamina battery power for up to 330 shots7,Take up to 330 shots on a single charge7 with Sony lithium ion Stamina battery power. Sony's InfoLITHIUM battery system enables you to see the percent of power rem


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g: 0 Posted By: ctgolfer
Views: 61 Replies: 0 Brand
Intel
Series
520 Series Cherryville
Model
SSDSC2CW240A310
Device Type
Internal Solid State Drive (SSD)
Used For
Consumer

Physical
Form Factor
2.5"
Capacity
240GB
Memory Components
MLC
Interface
SATA III
Controller
SandForce
Height
9.5mm

Performance
Max Sequential Read
Up to 550 MB/s (SATAIII)
Up to 280 MB/s (SATAII)
Max Sequential Write
Up to 520 MB/s (SATAIII)
Up to 260 MB/s (SATAII)
4KB Random Read
Up to 50,000 IOPS
4KB Random Write
Up to 60,000 IOPS
MTBF
1,200,000 hours

Features
Features
Out-of-the-Box Write Performance (IOPS): up to 80,000 IOPS

Environmental
Operating Temperature
0C ~ +70C

Manufacturer Warranty
Parts
5 years limited
All Intel SSD 520 products sold in the OEM boxes have a five-year limited warranty term; however, the warranty includes a "Media Wearout" limitation. The Media Wearout limitation provides that the warranty shall expire when the usage of the drive has reached a predetermined usage limit established by Intel, which could result in a warranty term much shorter than five years for drives used in heavy-use, enterprise applications. The Media Wearout is determined by Intel's implementation of the SMART attribute "E9" Media Wearout indicator (as measured by and shown in the Intel SSD Toolbox, www.intel.com/go/ssdtoolbox). At any point during the warranty term, if the Media Wearout Indicator reads "1", as measured by the Intel SSD Toolbox, then the drive has reached its wear limit and the Limited Warranty at that point expires, regardless of how much time may have been remaining on the five-year term. This Media Wearout limitation is imposed due to the greater workload demands of enterprise/data center deployment on SSDs.
Labor
5 years limited

www.newegg.com/Product/Product.aspx?Item=N82E16820167088
Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
Question Deals
Le Creuset 6.75qt Dutch Oven in Marseille (blue) - $206 @ overstock.com AC
Added on : Thursday September 04th 2014 03:00:04 PM
g: 0 Posted By: yuphehe
Views: 269 Replies: 0 http://www.overstock.com/Home-Garden/Le-Creuset-Marseille-6-3-4-...for $229 and then find a 10% off coupon. They are widely available for new customers, and check your email for existing customers (I got one today), otherwise there is always Cash Back for a slightly less appealing deal. Typically $319

I have been really into kitchen items lately, and did not want to spend so much on a pot, but this seems to be an amazing deal esp after signing up for O-Club, which gave me an additional $10 for my next purchase.
Home & Garden Deals

Overstock Coupons
Catastrophic Roth IRA losses - 2 questions
Added on : Thursday September 04th 2014 11:00:07 AM
g: 9 Posted By: IStillPickUpPennies
Views: 221 Replies: 9 I'm in my early 40's and recently lost virtually 100% of my investments in what was a rollercoaster ride over the past year. I invested in AAMRQ/AAL back in October of last year, and watched the bit of money I socked away each year over the past 15+ years pretty much triple from the company's recovery from bankruptcy and merger. I followed that up with another increase by investing in AAL long term call options, which brought me up to about a quadruple of last year's savings. Afterwards, in June I sold my AAL and diversified into 5 different stocks for more peace of mind. However, I second guessed myself when earnings was coming in July, figuring that the stock would beat expectations and I would get a nice bounce on short term options. Although the stock DID beat earnings expectations, plus also announced a dividend for the first time in decades, evidently the average investor expected more, and the options plummeted in value when we were on vacation. When I got back, the options were worth about 15% of what I paid for them. I held on, hoping the stock would recover, but the options ended up expiring as worthless in the end.

I'm left with about $150 in my Roth IRA, though I had over $100,000 in there back in June. I also had about $45k in taxable accounts that mirrored my Roth IRA, and 100% of that is gone as well. Thankfully, we still have about $7k in an emergency fund, and the kids have "future funds" that were not invested in options, so did not incur losses. Anyway, as far as retirement accounts and free cash, we are about wiped out. I am left with 2 questions:

1) When you have lost 100% of the $ in your Roth IRA, does the government allow for any sort of catch up investing so you can make up for the catastrophic loss? I've been a stay at home dad until recently (we lived off of 1 income), but my youngest child is now finally in school all day, and I can get back to the work force. I'm wondering if I could get a job and sock away 100% of my earnings for the next couple of decades to rebuild our retirement savings. I'm hoping that I am not limited to the roughly $5k a year, because at that rate, it would take me 22 years to be able to rebuild this thing to where I was in early July.

2) I've heard that there may actually be a way to use tax losses in a Roth IRA in such a situation, if I close the Roth IRA account. However, I believe that I read that this would require figuring out the original tax basis. This would be quite difficult, because I used 3 or 4 different brokerages over the past 15+ years, and I only have records from the past ~6 years or so. (none from the old accounts that were closed long ago, when I was making my original contributions) I'm not sure for the life of me how I would be able to figure out a fair tax basis for the Roth IRA, given that my contributions were sporadic over the years, and that the old accounts have been closed for years and years. Considering that, would it even be worth closing the account and trying to have some sort of tax gain out of it?

Thanks so much for any suggestions

Investing Deals
Any halfway decent home warranties for old HVAC?
Added on : Thursday September 04th 2014 04:00:05 AM
g: 0 Posted By: nic3456
Views: 69 Replies: 2 I know Home Warrantys get a bad rap (and well deserved in most cases) - but I'm thinking about signing up for one again after receiving a letter from my mortgage servicer. The main thing I'm interested in is coverage for the Heating/AC units. I have 2 compressors (both replaced in 2001) and 2 furnaces (one replaced in 2001 - the other is original to house from 1987!!). The furnace from 1987 is still working fine, but I can't imagine its going to last much longer as its over 28 years old. Any experiences with particular companies that performed at least decently in regards to HVAC? 1 key is I will need a plan that covers preexisting stuff just to reduce hassle. We have maintained it as needed (only been in the house for 2 years), but want to avoid as many possible "outs" for the insurance when the furnace bites the dust down the road.

NOTE: I should probably go ahead and replace the equipment to get something more efficient, but my HVAC only costs me about $1,500/year so I don't think I would see enough savings right now to justify the expense.
Question Deals
g: 0 Posted By: julesingeorgia
Views: 179 Replies: 0 Haven't seen toilet paper listed in a while. This is a much better deal if you have enough in your subscribe & save delivery to get 20% off. I did and it came out to $19.15. I know you can get it cheaper by shopping around and using coupons but this is for those of us who like our toilet paper delivered to our door!
Quilted Northern Ultra Plush Bath Tissue, 48 Double Rolls
or if you would rather have Quilted Northern Ultra Soft and Strong Bath Tissue, 48 Double Rolls
Home & Garden Deals
Effective ways to reduce utilities
Added on : Wednesday September 03rd 2014 04:00:14 PM
g: 0 Posted By: FattenUpMyWallet
Views: 67 Replies: 3 Long time lurker, first time poster.

my name is Jeff and I've not lived the life of a FWF member up to this point. Without going into too much detail, I'm not meeting my financial goals. However I've read all the other woe is me I'm in debt but i won't take your advice threads and this isn't one of them.

I'm critiquing my own budget step by step and one thing that comes to mind is my utilities. I pay out $70/month on the balanced pay plan with my natural gas provider. I also pay about $70/month for water/sewer and anywhere from $65 to $110 for electricity.

I believe there must be some inexpensive or free ways to reduce my utility bills. I've read all the government suggestions for how to accomplish this and I've implemented some but I'm looking for less conventional but equally useful ideas. If anyone would have any, it would be FWF.

Thanks to everyone in advance
Personal Finance Deals
What is my Best Option For Our Health Insurance?
Added on : Wednesday September 03rd 2014 10:00:11 AM
g: 0 Posted By: justignoredem
Views: 21 Replies: 0 Okay so I'm in a bit of an interesting situation. I have never had an HSA, nor do I know much about it other than general reading on it (Vanguard, bogleheads). So I still feel like I do not know enough about the account. A lot of people seem to advocate HSA accounts in the finance forums, so I figured this would be an ideal place to get different opinions. Below are the general options between my wife and I at our careers going into the next 2 months.

Wife:Her Company is about to split off, long story short, she will have to pick new benefits when the new fiscal year comes (October 1). She will have 2 options - 1. a standard PPO, covers ~80% for a decent amount per month. or 2. an HSA that covers the basics but gets company supplementation. Also has the option for FSA.

Myself:I'm currently on break. I will be joining a big 4 company shortly. As you can guess, they have tons of choices. Everything from an incredibly expensive option that covers everything 100% (but is expensive every month), to one that covers the basics for very cheap, to an HSA that covers the basics, to a standard PPO that covers 90% for a decent amount. Also has an FSA.

The kicker? We see a baby entering our lives in the next year. It will be happening soon, so that will be a major factor. This is what makes me feel an HSA is not an option, because funds will obviously be needed on the spot for hospital visits for the kiddo and pregnancy/delivery basics. HSA would obviously be the option when you foresee healthiness that you can save up for, correct?

1. Am I correct in that assumption that HSA is not a viable option with a child on the way shortly?
2. Considering a baby would be on the way, would it at all make sense EVER to get the 100% coverage option? Obviously it's not going to cover 100% of all costs (Prescriptions for example). We're talking something like $300/mo vs. $200/mo for 90% PPO.
3. What do you guys see as the ideal path? Consider the FSA accounts as well.
4. Lastly, is there maybe some kind of Hybrid situation I'm not seeing? Maybe getting a PPO on my side but also getting the HSA on the wife side for the company match would be beneficial?
Personal Finance Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
g: 0 Posted By: ctgolfer
Views: 135 Replies: 0 Save $80via mail-in rebate with the purchase of 21-inch iMac Part# 9425078. Offer good through Sep 30 2014 11:59PM PST.
Apple MD094LL/A 21.5 iMac Quad-Core Intel Core i5 2.9GHz, 8GB RAM, 1TB Hard Drive, NVIDIA GeForce GT 650M graphics processor with 512MB of GDDR5 memory, Two Thunderbolt ports, Apple Wireless Keyboard and Magic Mouse, Mac OS X Mountain Lion (2x4GB DDR3 SDRAM)

Few all-in-one desktops are as reliable as Apple's popular iMac. Now in a unibody enclosure that takes up 40 percent less volume than its predecessor, the iMac is equipped with top-of-the-line hardware and the latest Apple OS to ensure a consistently efficient performance.

Powering the iMac's speed is a quad-core Intel Core i5 processor, with Turbo boost speeds of up to 3.6GHz to handle even the most performance-intensive tasks. The iMac's eight-GB memory lets you simultaneously use more applications, making multitasking easier and boosting productivity. Mac OS X Mountain Lion also provides a more intuitive user experience through its suite of new apps, including Notification Center and Messages.

Graphics-wise, the iMac counts on an NVIDIA GeForce GT650M GPU with 512MB of dedicated video memory. You'll see the improvements in the iMac's graphics performance when you're editing HD videos or playing 3D games. The iMac's display now also features IPS switching technology and an LCD panel that sits right up against the cover glass; this way, images are much more realistic and can be viewed from nearly any angle. The cover glass is also designed to produce significantly less glare, making using the iMac even more enjoyable.

The 21.5 iMac offers an enormous amount of storage space through its 1TB hard drive. With this much space in its HD, this Mac desktop can accommodate large file libraries and more frequent backups. If you want more storage space or if you want to use peripherals for your iMac, the iMac is also equipped with a handful of Thunderbolt and USB ports, including an SDXC card slot

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

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

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

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

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

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

-----
A little background:

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

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

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

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

anyone have any experience or pointers?


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

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

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

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

4.8 out of 5 stars (8 customer reviews)

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Whether youre flying solo or spicing up your marriage, help is at hand from Amazon best-selling sex book author Jessica Howe, whose new guide reveals the most pleasure-enhancing toys on the planet.
How would you invest my money!
Added on : Friday August 29th 2014 03:00:06 PM
g: 0 Posted By: theblow
Views: 44 Replies: 2 35 years old. Have $100k cash which has taken about 10 years to accumulate. No debt, no significant assets (don't own a home). I've been keeping my cash in savings. I don't plan on needing the $100k soon so I'm thinking more long term here.

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

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

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

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

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

Would consider bidding a diminished price at an auction

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

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

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




What am I missing or not considering?

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


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

and much much more.

Clothing Deals

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

Compare at Amazonfor $749.99.

Product Information:

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

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

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

Ships from and sold by Top Quality Factory.
Pets Deals

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

http://allure.com/free-samples

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

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

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

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

Good luck everyone!
Free Samples Deals
Hyalogic Hyaflex-C 1-Ounce Joint Supplement for Cats $9 FS @Amazon
Added on : Wednesday August 27th 2014 09:00:22 AM
g: -2 Posted By: 1hotmama
Views: 214 Replies: 1 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: calwatch
Views: 84 Replies: 0 Two years ago, when I was 27, I took all my savings and bought a $425,000 house in Toronto with the goal of being mortgage-free in four years. With two years to go, the goal is in sight.Im going to own my own three-bedroom bungalow in Scarborough by my 31st birthday.But the cost has been high financially and personally. I lived in the basement and rent out the rest. To save further, I dont own a cellphone or have cable TV or a car. On top of a full-time job, I work part-time evenings and weekends. And Ive been committed to this frugal lifestyle for some time; while at Ryerson University studying business management, I lived with my parents. While my friends were out driving cars, buying fast food, drinking and partying, I worked three part-time jobs, purchased used textbooks, brown-bagged my lunch, and cycled to school.

http://www.theglobeandmail.com/globe-investor/personal-finance/m...

Well, that and trolling your story to every media outlet in Canada, and much of the States as well.
Discussion Deals
Seagate 6TB Internal Hard Drive $192.99 FS @ Best Buy via eBay
Added on : Tuesday August 26th 2014 03:00:14 PM
g: 0 Posted By: DizzyT71
Views: 91 Replies: 0 Best Buy via eBay has theSeagate 6TB Internal Hard Driveon sale for $192.99 with free shipping.

Also available at Best Buy for same price. Otherwise, next lowest price on Google Products is $289.99 shipped from a rated merchant.

6TB storage capacity with SATA III, 6Gb/s NCQ Interface
Seagate AcuTrac servo technology delivers dependable performance
Seagate OptiCache technology boosts overall performance by as much as 45% over the previous generation.
Seagate Smart Align technology provides a simple, transparent migration to Advanced Format 4K sectors.
Best Fit Applications include: Desktop or all-in-one PCs, Home servers , PC-based game systems, Desktop RAID, Direct attached external storage devices (DAS), Network attached storage devices (NAS)


4.1/5 Stars based on 368 customer reviews on Amazon.
Hard Drives Deals

eBay Coupons
Is there a benefit to a Living Trust in my situation?
Added on : Tuesday August 26th 2014 01:01:02 PM
g: 0 Posted By: kriskos4
Views: 123 Replies: 2 My father is 91 years old, lives with me and is worth roughly 4M...half cash and half stocks, no property. My brother and I will be his heirs, nobody else. The cash is in CDs payable to my father or either me or my brother 'upon death'. As far as I know, this money will not be subject to probate since it's automatically ours upon presenting a death certificate. The stocks are different though, the will states half to myself and my brother but not sure how exactly that would play out. Would the stocks be subject to probate court even if covered in a will? How much would they be taxed in probate? (stocks worth approx 1.5M)

I am getting a new will done, power of attorney and a health document stating his wishes. Just wondering if a Living Trust is beneficial given the amount is under the 5M that's taxable.
Question Deals
g: 1 Posted By: lambo881
Views: 203 Replies: 0 Rakuten has both Monoprice 27" WQHD monitors on sale.

27" IPS Zero Gfor $279.99 ($321.99 - $42 instant coupon), free shipping
27" IPS Glass Panel Profor $349.99 ($386.99 - $37 instant coupon), free shipping

Best prices I've seen! Both monitors are are WQHD 2560X1440 resolution. The more expensive monitor offers additional ports (DisplayPort and HDMI) in additional to the Dual Link DVI and VGA. It also guarantees no dead pixels, though I don't recall the dead pixel policy on the lower cost model. Remember, you'll need a compatible video card and use either DisplayPort or Dual Link DVI to get the higher resolution. It comes with a Dual Link DVI cable (a normal DVI cable does not support the higher resolution). Price is much closer to the less expensive 1920X1080 monitors and of course, significantly lower than name brand WQHD monitors. Main knock on these panels is the stand.


Monitors Deals

Rakuten.com Shopping Coupons
Bulova men's black dress watch, $89 shipped, from Ashford
Added on : Tuesday August 26th 2014 01:00:33 PM
g: 0 Posted By: cga
Views: 291 Replies: 0 Bulova quartz dress watch, $89 shipped

Use "DNEWSDIA89" to get the$89 price, including free shipping.

This is a very classy and expensive looking men's dress watch with a long, good quality bracelet, and an attractive dial. Looks much nicer and more expensive in person. I own many watches, and this is still one of the most attractive ones in my collection, even when compared to many of my MUCH more expensive watches. The case is small by today's standards but the style will always look contemporary and expensive.

Price good until September 1, or I suppose. until they sell out.

Don't forget FatWallet Cash Back--now 5%.
Watches Deals

Ashford Coupons
Honda Civic 2012 end of lease option? Finance?
Added on : Tuesday August 26th 2014 11:00:53 AM
g: 0 Posted By: penelope31
Views: 37 Replies: 0 Hi,
I have a Honda civic 2012 LX model with 29000 miles on it. My lease is ending by Oct 1st. I am considering to buy my car at the end of lease (residual value $13600.00) as my civic is in excellent condition with no accident. Initially I was considering leasing another brand new car, but after much discussions I have come to the conclusion that by buyingmy Civic out I will pay the minimum amount every month. I am really looking to reduce my monthly spending on the car. I do not want to look for another certified preowned car as I would not be sure about the cars actual condition.
So is my decision regarding buying my car a good one?
Also if I need to finance , what places I should look for ? Any tips?
Will look forward for your responses.

Question Deals
g: 0 Posted By: fivetalents
Views: 183 Replies: 0 Amazon has a $6 coupon for select 6 or 12 pack boxes of Stacy's 18oz or 8oz bags of pita or bagel chips. Four of these flavors also qualify for subscribe and save (5% on one item, and 15% on five items). You can cancel the S&S anytime after your order has shipped. S&S orders always ship free from Amaz0n. Without S&S, shipping is free on orders of $35+.

By stacking the coupon with the 15% S&S, you can pay as little as $18.93 ($0.1971 an ounce, or $1.58 per bag) for the Simply Naked bagel chips 8oz x 12 pack... to as much as $25.94 ($0.2401 an ounce, or $4.32 per bag) for the Parmesan Garlic & Herb pita chips 18oz x 6 pack.

Go here to clip the coupon. Scroll down to select qualifying flavor(s) to purchase.

Example...
Stacy's Bagel Chips, Simply Naked, 8-Ounce Bags (Pack of 12)
$29.33 - $6 coupon = $23.33
$29.33 - 5% S&S ($1.47) = $27.86 - coupon = $21.86 ($1.82/bag, $0.23/oz)
$29.33 - 15% S&S ($4.41) = $24.92 - coupon = $18.92 ($1.58/bag, $0.1971/oz)


Other flavors (prices without S&S or coupon)...
Stacy's Bagel Chips, Everything (Onion, Sesame, Poppy & Garlic), 8-Ounce Bags (Pack of 12) $30.22
Stacy's Pita Chips, Multigrain, 8-Ounce Bags (Pack of 12) $31.35
Stacy's Pita Chips, Parmesan Garlic & Herb, 18-Ounce Bags (Pack of 6) $37.57

Baked, no artificial colors or flavors, and no MSG
Baked in Randolph, MA

Food Deals

Amazon Coupons
Pyle PHBT5B Bluetooth Headphones - your choice of color $19.99 @ Woot
Added on : Monday August 25th 2014 09:00:32 PM
g: 1 Posted By: ctgolfer
Views: 155 Replies: 0 shipping adds $5

PHBT5B Stereo Bluetooth Noise Cancelling Headphones with Built-in Mic:

Take Calls with Built-in Microphone
Noise-canceling stereo sound drivers
Built-in Version 3.0 Bluetooth technology
Listen to your favorite music from Bluetooth-enabled devices
Unlock more possibilities - Can be paired with 2 mobile phones
Bluetooth profiles supported: headset, hands-free, A2DP & AVRCP
With built-in Bluetooth technology you can stream audio directly from your Bluetooth enabled device with crystal clear wireless performance -- Works with iPhone, Blackberry, Droid, iPads, Tablets and much more


http://kids.woot.com/offers/your-choice-of-pyle-bluetooth-headph...
Headphones & Speakers Deals

woot! Coupons
Recommend a CC for rewards for upcoming purchase
Added on : Monday August 25th 2014 07:00:18 AM
g: 0 Posted By: evercl92
Views: 117 Replies: 0 I'll be making a purchase of >$5,000 shortly, and was looking for a recommendation of a credit card to earn a quick spend and a truck load of reward points. I'm looking to trade the points out for cash - I'm not much of a traveler, so strictly flight points don't interest me.

Thanks in advance
Credit Deals
g: 1 Posted By: mayberj
Views: 468 Replies: 2 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
Career Coach
Added on : Monday August 25th 2014 04:01:00 AM
g: 0 Posted By: GermanBoy
Views: 17 Replies: 0 I was talking to one of my friends recently about some time that he spent with a professional career Coach. This was a one-time consultation paid for by his company. He described it as helpful, but not something that they would pay for with his own money. I know that there are a number of people with high-earning careers and am trying to decide if this is something I should look into further.

If you have worked with a professional career Coach, what has been your experience? Specifically...

How did you find your career Coach?
How much did/does career Coach charge?
What did his/her services include?
Was your relationship with your career Coach transactional or ongoing?
What do you estimate has been the impact on your career, both in terms of salary and fulfillment?
Would you work with your career Coach again/are you continuing to work with your career Coach?
g: 0 Posted By: mayberj
Views: 147 Replies: 1 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
American Express Membership Rewards Up To 30% Discount On GCs YMMV
Added on : Monday August 25th 2014 12:00:41 AM
g: 0 Posted By: doctorofcredit
Views: 36 Replies: 0 Just received an e-mail from amex offering a 30% discount on some gift cards when redeeming MR points. Apparently some people only received an e-mail for 10 or 20% discount, so check your e-mails.

Not that much use for myself as I don't redeem MRs for gift cards, but some of you may find it helpful.
Discussion Deals
Granite Fabricator -- Should I sue?
Added on : Sunday August 24th 2014 07:00:50 PM
g: 0 Posted By: DoanB
Views: 75 Replies: 4 Hi Everyone,

I've hired a granite fabricator to install granite in my kitchen as well as my bathrooms.

The contract stated to install 3cm(about1in1/8)granite for a price of $50 per sqf. But then I found out that the installed granite is only 1in which looks much thinner than the 3cm should be. I have contacted him and he said he was only a fabricator and told me to contact the whole sale place where I went to pick out the type of granite that I'd like to install. I called the wholesaler and they asked for the fabricator's info and I provided all that. Then they asked for my info as well and said they would call me back. It has been a couple of weeks without any calls from them.

Should I sue them for the breach of the contract of not installing the correct 3cm granite? Does anybody have any experience with this kind of issue? Please advise!

Thanks!
Question Deals
$70 (gift card) for opening Amazon.com credit account
Added on : Saturday August 23rd 2014 11:00:34 PM
g: 0 Posted By: CPenn
Views: 49 Replies: 0 I searched through the forum and didn't see this specific question. If I missed it, please accept my apologies and blame it on the late hour, which is the only time I can get peace and quiet to take care of such things as opening a new credit card. My question is whether it is worth it, the $70 is nice, but it could be so severely restricted that I wouldn't be able to use it on something I actually need or want.

I'd really appreciate hearing others' opinions and experiences with this card. I'm a bit concerned about opening another credit account, especially if I end up cancelling it after a while. I usually keep my accounts a long, long time, even if they aren't active. Which probably isn't wise, but,,,for now I have the question about Amazon's offer. Any ideas/experiences? I love Amazon and use it a lot.

Thanks, all

Here are the details on the offer from Amazon's website:Current Total:$ 31.32Gift Card:- $ 70.00Cost After Savings:$ 0.00Savings Remaining:$ 38.68Three Easy StepsClick the button below to sign-in to your Amazon.com account and complete a short form.If you're approved, your new credit card and a $70 gift card will be added to your Amazon.com account.Use your gift card and get $70 off your purchase today!E-mailassword:New Amazon Customer?Start here=14pxAmazon.com Rewards Visa Card from Chase.=21.021020889282227px$70 OffA $70 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application*

=21.021020889282227pxInstant CreditYou can start using your card today on Amazon.com upon approval.*
Get rewarded on every purchase
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=20pxYou can also redeem for Cash Back, gift cards and travelRedemption minimums may apply for Cash Back and gift cards.
Credit Deals
To file or not to file? Homeowner's insurance claim..
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: featherz
Views: 36 Replies: 0 Just had our well pump go out - so no water (fun fun). We called out a bunch of guys to look at it and clueless (sorry honey!) hubby picked a really pricey guy when I was off at work. The price to fix the pump NOW was most likely jacked up as he told my DH that it was a lightning strike and that it would be covered by homeowner's insurance. DH thought 'woohoo, free!'. Pump was replaced, cost about 1K too much, but that's water under the bridge. Background - this is possibly a 40 year old well pump, almost 300 foot deep, galvanized pipe that was also replaced during the fix.

When examining the pump, it looks like the contractor may have been correct - there are small burned holes on either side of the pump. We have had lots of lightning lately and even a storm the day of the pump going out. I don't see any obvious strike, but not sure that matters.

Hubby wants to file a HO claim to pay the bill - after deductible, this would be a $2600 claim. We pay about $900/year in insurance and have a $243 'claims free' discount.

What think the FW community? We've already paid for it - and I'm not sure the insurance will allow this charge since it's already been repaired and they had no chance to come out first (we had no water so it was a rush job). They may disallow all or part of the claim for the age of the pump and/or replacing the galvanized pipe (not technically necessary to restore water).

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
Captive Insurance Programs
Added on : Saturday August 23rd 2014 12:00:15 PM
g: 0 Posted By: Coto
Views: 125 Replies: 2 I'm looking at a very high tax bill at the end of this year. So my accountant suggested setting up my own Captive Insurance Policy. From what he says I can contribute a lot and it's all tax deductible and after a certain period of time I can even take the money back out (borrow from it) with no penalties. I've looked it up all over the web, I guess the IRS doesn't like it too much as they are considered a tax shelter but they are allowed in 38 states. It will cost $60,000 to set up and I can even finance if I want one for a million for example.

I'm not so sure, anyone know anything about these types of policies?


Question Deals
g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 25% more powerful than the competition with 150 in.-lbs. of torque, while operating at 0 - 500 RPM
30% more run-time than the competition with the ability to drive up to 130 3-in screws
Fuel gauge lets you easily see how much battery life is left
Metal gear housing ensures a greater durability and a longer tool life
Built-in LED light illuminates the work area and makes it easier to see in dark, tight spots
30-minute charger keeps you working with little to no downtime
Small compact size gives you the freedom to use a power tool where not normally accessible with other driver/drills
Soft grip sides protects and grips surfaces
Lithium-Ion manganese chemistry provides fade-free power until the end of the charge
Quick bit-loading 1/4-in hex chuck for bit insertion and release with one hand


www.ebay.com/itm/Milwaukee-2401-22-12-Volt-Heavy-Duty-Cordless-S...
Tools Deals

eBay Coupons
g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
g: 0 Posted By: orangespot
Views: 29 Replies: 0 A friend of mine is coming in to town this weekend. He was sticker-shocked when he saw the price of accommodations. Apparently this weekend, most hotels seem booked solid. He really doesn't want to go lower than a 3 star hotel (or 2.5 on Priceline.)

I've done the Priceline thing for him but not finding any great deals. The Express Deals are coming in at 120- 130 for a 2 star, at best.

Anyone have any ideas for websites or strategies to try?

I'm not the best at travel planning because I don't do much traveling myself. He is willing to stay within 80 miles or so around town, but just doesn't want to stay where the quality would be more appropriately rated in bedbugs instead of starts.
g: 0 Posted By: billrubin
Views: 18 Replies: 0 I recently had my Capital One debit card hacked and there were around a dozen withdrawals made from a total of 3 ATM's over the period of 3 days, for around $2k, I believe all of them were in the UK. When I called Capital One and asked how they allowed these to go thru when I had not told them I was traveling (as I always do), they told me that because they were PIN based they allowed them. Shouldn't someone in their security department have noticed these and tried to contact me? I only noticed it because they got downloaded into Quicken, but sadly not until they had ended. Am I expecting too much???

It took about a week but I got a provisional credit and I trust they will make it final since I didn't use it. I have no idea how they got the PIN, maybe I was skimmed at one point a while ago. I rarely use this card, only when I'm traveling, which is not that often, and haven't been to Europe since last summer.

I did call another bank I have a checking account with to see if they could put a block on all overseas withdrawals and they were able to. I wouldn't have thought that I would need to, but I guess better safe than sorry.
Discussion Deals
Help with small company 401K.
Added on : Thursday August 21st 2014 09:00:08 AM
g: 0 Posted By: jcb193
Views: 146 Replies: 0 I'll try to keep this simple.
We have a small father and son business.
- One full time employee- $35,000 a year
- Father and Son make about $500,000 in gross commissions a year, which comes out to about $300,000 a year in salary after expenses.
- Mother also works for salary in business (full time). ~$20,000
- I could also make wife an employee if this is advantageous too, as she works in the business as well (part time).
- Son and son's wife currently make max contribution to ROTH/Trad IRA every year.

I'd like to setup a company 401K-style plan, but wondering what is the most optimal setup, as I don't want to give my full time employee a ton of match, as it's money out of my pocket. Father and Son would like to sock as much away as possible.

From what I can gather, these are my two options:~~Sep IRA:
We can give up to 25% of our income (up to 50k). Nothing to employees. No costs.
No addition roth/tradition ira.401k:
We can give 100% of compensation (up to 50k). Have to give employees (2-5%) off the top (of their salaries).
Administrative costs ~$1200
Can also do a roth/tradition in addition
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Multiple credit cards decreases credit score?
Added on : Thursday August 21st 2014 08:00:09 AM
g: 0 Posted By: deterdangler
Views: 11 Replies: 1 Hi Everyone,

I am planning to apply for Amex credit card i already have 2 bank of america VISA cards.

Does my credit score decrease if i have multiple credit cards?
I have a credit card that i opened in 2011..if i close this credit card..does it impact my credit score?
If it does not impact, i would like to open 4th one..chase VISA signature card..because i always see buy one get one offer from Fandango..applying for 4th card impacts my credit score?

Any suggestions guys??

Thank you so much..

g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/dp/B00CB5UEXU/

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Sams Club has Swann 8 camera, 720p w/1TB NVR for $449
Added on : Wednesday August 20th 2014 12:00:03 PM
g: 0 Posted By: gandude
Views: 167 Replies: 0 After $300 tech savings price is $449. free ship

Sams Club Swann 8 camera security

8x 720p cameras. NVR w/1TB HDD. CAT-5 cables. NOTE: this is not PoE, but doesn't look too bad. -Just a few extra wall warts tofind outlets for.

Don't know much about these systems but this seems fairly good for the price. I did a little bit of research. It should be delivered today.

Thoughts?
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Free 6" Kindle e-Reader with $150+ Jewelry Purchase +FS at Helzberg.com
Added on : Wednesday August 20th 2014 10:00:03 AM
g: 0 Posted By: fivetalents
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Which is better swapalease or leasetrader
Added on : Wednesday August 20th 2014 06:00:13 AM
g: 0 Posted By: traderneal
Views: 114 Replies: 3 Hoping to get some info on swapalease or leastrader


I have a lease I need to get out of, so if anyone can be so kind to let me know their opinion on the sell side, it would be greatly appreciated.

Upon checking the reviews of both sites on the web, there really isn't much to go on; just a small sample.

Has anyone used Craigslist to get out of a lease?



For the record, it is my father's car:

2013 Buick Lacrosse
7600 miles
1 year into a 39 month lease (roughly 27 months left)
10k miles a year
$210 a month
Car is almost spotless and runs perfect (some minor scratches)
Will split the cost of the transfer. (The lease is with USB. The transfer fee is $500, so I will split it $250 and $250)
Philadelphia area


In case anyone is interested



It would cost over $3,000 to have the dealer buy the car back, and over $5k to just turn the car in and end the lease.


Personal Finance Deals
Did not pay estimated taxes - now what?
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: LagerChamp
Views: 0 Replies: 0 I made a little "too much" money last year, because I still had employment income and also started a business that was profitable in 2013. So in April 2014, TurboTax printed 4 estimated tax coupons for me, with the first one being due, I believe, in April and the second one 3 months after that. It is now end of August, and I still haven't mailed any of those vouchers, for several of reasons, some of which are: 1) I quit my regular job and am now living off the income from the business, so there is no more W2 income (i.e. the estimate amount is way off);2) My business income is down from last year (although still profitable); 3) I was short on cash due to additional loans taken to invest in the business.

In the end, I'm pretty sure that I still owe estimated taxes, because my business did make money, and I still haven't paid a dime in taxes for 2014. I have two questions:

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

So.. what would you folks suggest? We're looking at $25k that will need to be usable by June of 2016 for tuition. Please let me know if I've left out anything important.

Thanks!
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g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
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g: 1 Posted By: VegasVegan
Views: 145 Replies: 0 One Way Out: The Inside History of the Allman Brothers Band- $3.95 @ Audible.com
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g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

State - Georgia
Purpose - Road widening
Amount of land for right of way - 1000sqft +/-
Construction Easement - 6000sqft +/-

What they are wanting purchase from us:

Our SFR house (primary residence) backs up to a road they are widening from a 2 lane road to a four lane divided highway with bike lanes and sidewalks. It appears that the majority of new right of way is going across the street from us. The right of way they want to purchase from us is only a few feet wide and probably wouldn't have much impact on our quality of life. However, they also want a permanent easement that comes an additional 40' +/- closer to our house. They would clear the land on this easement and we would not be able to place any permanent structures (ie. fence) on this land. This easement would clear out an 8'-10' high earthen berm with a 6' high privacy fence on top and extensive mature landscaping. Additionally we have a nice new pool and spa in our back yard along with a pool house and storage building. The back yard was designed to be our relaxation area (has waterfall features on pool and spa, nice lighting, nice landscaping, etc.) and is fairly private. Removing the berm and landscaping will diminish the quality of life extensively (according to me).

Where we are in the process:

August 2014 - Appraiser met with us to explain what they were doing and approximately how much land they would need. Gave us a map and pointed to the approximate boundary lines (surveyors should stake the property "soon"). Appraiser took lots of pictures and was very helpful with explaining the process and what they would and would not pay for.

What they will pay for:

-ROW land
- Easement land
- Fencing
- Landscaping (plants, trees, and irrigation)
- Storage building (if any part of it it is in easement area)

What they might pay for:

- Diminished value because of the loss of the berm and landscaping

What they won't pay for:

- Not sure yet. Going to ask for everything under the sun.

Negotiation Strategies:

- Ask for concrete privacy wall/noise barrier like you see on interstates (appraiser said he had not seen them do this on this type of project)
- Ask for construction easement to be temporary
- Ask for diminished value from loss of berm/landscaping (appraiser said he would need to do a more in depth appraisal for this, he's going to try to get that appraisal approved)



If you have any experience with something like this, or if you have suggestions please chime in.
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g: 1 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/dp/B007S63PS8

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