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g: 0 Posted By: Xenocrates
Views: 156 Replies: 2 KensingtonTouch Screen Stylus and Pen forTablets, Touchscreens,and Smartphones(K39305US)- $5.99 FSSS @ Amazon

Compatible with iPad and iPhone and most other touch screens
Functions as both a stylus and a ballpoint pen
Comfort grip
Uses Parker ball pen refills

3.8 / 5 stars with 175 customer reviews

The next best priceis $22.06 at NothingButSoftware
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Bank Asking to Authorize Tax Transcript from IRS for Credit Card
Added on : Thursday April 17th 2014 08:00:09 AM
g: 1 Posted By: PerkGetter
Views: 172 Replies: 3 I applied for a Credit Card for cash bonus purposes ($100 after $1,000 in purchases, etc...) I usually get approved instantly. This bank wants me to sign a form authorizing an entire copy of my tax transcript from the IRSbefore approving me. This seems pretty extreme for a credit card. They've already done a hard pull and have a copy of my driver's license and all the standard info an application requests. I thought I'd check here and ask if there is a reason not to authorize this request. I applied with honest figures, so there is nothing to hide, but certainly this is very personal information that I don't want to provide to just anyone. I already even have a checking account with them.
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g: 2 Posted By: remick
Views: 181 Replies: 1 http://www.amazon.com/The-Doctrines-That-Divide-Christians-ebook...

4.3 out of 5 stars (25 customer reviews)

Lutzer examines various controversies that exist within the broad spectrum of Christianity, presenting the issue and the biblical understanding of the doctrine.



also:

Alive: A Cold-Case Approach to the Resurrection
http://www.amazon.com/Alive-A-Cold-Case-Approach-Resurrection-eb...

The resurrection. As far as doctrines go, it's a game changer. Many accept the resurrection without giving it much thought. But isn't something so important worthy of our wrestling with it? What if we approached the issue of the resurrection in an unbiased manner and assessed it as a cold case detective would evaluate a crime scene? Author J. Warner Wallace is a cold-case detective. He also used to be an atheist. Follow along in this brief presentation of his approach in applying his detective's expertise to the accounts of the resurrection. Wallace believes the case is nothing but compelling: Jesus is alive!
--
J. Warner Wallace is a cold case homicide detective, a missions leader, and a church planter. As a result of his work on cold cases, Wallace has been featured on numerous television programs including Dateline, FOX News, and Court TV. Wallace's visual presentations in the courtroom have revolutionized how capital offense trials are presented in Los Angeles County and across the country. A vocal atheist for many years, Wallace is now an apologist for Christianity and the founder of the ColdCaseChristianity.com Blog, Podcast, and Website. He has a master's degree in theological studies. He and his wife have four children and live in southern California.


How to Study the Bible to Unleash Revelation Power: a proven step-by-step system to dig deeper into the Word of God
http://www.amazon.com/dp/B00A4SKO2M/

4.6 out of 5 stars (44 customer reviews)

BEST BIBLE STUDY GUIDE OF 2013!
This is not your typical "How to" Bible Study guide. It is an in-depth resource to empower you and every Christian to understand Scripture like never before. Truly a skill that will last a lifetime. This guide has been used by senior pastors, preachers, and bible study leaders around the world, and it will help you too. You will find your next Bible study to be so in-depth you will want to share this book with everyone.
In this guide you will learn:
How to create your own personal, exciting, and powerful Bible study
Learn more about Scripture in one night, than you would learn in two months of traditional weekly meetings
How to study your Bible without a traditional study guide
A step-by-step guide on how to uncover revelation from the Word of God using the original Greek and Hebrew texts to uncover the deeper meaning of Scripture
The top 5 common errors Christians make when studying the Bible


When God Whispers Loudly
http://www.amazon.com/Whispers-Loudly-Terreldor-Press-Shorts-ebo...

4.4 out of 5 stars (2,020 customer reviews)


Heaven: Biblical Answers to Common Questions
http://www.amazon.com/Heaven-Biblical-Answers-Questions-booklet-...

4.4 out of 5 stars (137 customer reviews)

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Boat Repair Scam?
Added on : Thursday April 17th 2014 06:02:01 AM
g: 0 Posted By: joemah
Views: 127 Replies: 2 Morning FW,

I have a predicament and wanted some advice. I have a 17 ft center console boat that the floor is getting soft on. I went to a local boat repair shop to get a price on fixing the floor. Was told 3k to redo the fiberglass floor. The guy told me he had another option also. He said I could purchase a 20 ft center console boat that another customer was working on, but ended up buying anew boat after installing a new gas tank and redoing the floor on the 20 ft boat. It was the same model as mine but 3 ft longer. It just needed some touchup fiberglass work done and for it to be painted. I was told the boat would be $500 and to get it all finished would be an extra $1500 for parts and labor. I would just need to buy a motor to go on the boat. I was having problems here and there with my motor starting so I decided I was going to go ahead and get the bigger boat fixed up and sell the 17 ft boat. When I told him a week later that I would go that route, he said OK, he would need $1000 to start to get boat paid for with original owner and start fiberglass work. Wrote a check for the amount and waited. He said he would start in about 2 weeks because he had some other jobs in front of me.
I stopped by after 3 weeks and boat hadn't moved. He said he would get to it the following week.
I stopped by again after 2 weeks and boat hadn't moved. He said he would get to it the following week.
I stopped by again after 2 weeks and boat hadn't moved. He said he would get to itthat week.
I received a text from him the following week saying he needed more money to get started on the boat. I called him up and asked what happened that he needed more money. He said boat cost $750 and that he needed more than$250 to start. We went back and forth about the price of boat supposed to be $500, not $750 and how it had been 2 months already. Of course everything was verbal. At the end of the phone call, I told him I would bring some starting money but needed everything in writing prior to and that I wanted the boat title and trailer title.
I arrived the next day and he had written out fiberglass repair and paint in details for a total of $2200+, $1500 of it being labor and an extra $750 for the boat already paid. I asked him what happened to the $2k total since we are at just under 3k now and he said he had never mentioned those prices. At this time I was pissed but just wanted to get this over with. I gave him another $800 check and made sure we were on the same page with what exactly the boat was going to look like when completed including trimmings, hatches and cleaning out the hull.
I located a motor on another boat and contactedboat repair guythe following week to see how he wanted to handle getting the motor. He said bring the boat by and he would get the motor off and get it ready for the new finished boat.
I stopped by after 2 weeks and boat had moved to inside his shop but hadn't been touched. He said his paint guy had a hurt leg. We discussed the fiberglass and all the sanding that still needed to be done prior to painting.He told me the motor was a pain and took him 3 hours to get off the other boat. I told him we were coming upon 3 months and I was getting frustrated.
He called me 1 week later and said he was finished fiber glassing and painting and I needed to get him the rest of the money to true up. I stopped by yesterday and the paint job looked terrible. I could see paint brush marks everywhere and there were lines where fiberglass was laid down. I asked him what was going on and he said there was nothing he could do about the fiberglass lines and he rolled the paint so there is no way I could see paint brush marks. I asked him several times to stand next to me and look at the paint brush marks but he wouldn't move. He then told me I owed him $300 for removing the motor from the other boat because it took him 5 hours and he charges $60 per hour. My jaw hit the floor. I told him I never would have brought the motor over on theboat if I knew he was going to charge me to remove it and that he had previously told me it took him 3 hours. He said he was tired of me questioning every dollar and that I needed to pay up in CASH and remove the boat from his property within 3 days.

I know there were a lot of mistakes on my part not getting a lot of stuff in writing prior to starting anything. I wanted to get opinions on what I should do. He wants a total of $1500 cash now. If I pay him the remaining balance, I am stuck witha terrible looking fiberglass and paint job for way too much money. If I request my $1800 back, I guarantee he will say no. He has the motor also that I paid $2000 for and I don't want to lose that either.

Should I just pay the $1500 and take him to court for the terrible product he produced?
Should I request my money back and try to get the motor also and deal with going to court to try and get my $1800 back?

Any similar experiences? Any other suggestions?

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g: 1 Posted By: ctgolfer
Views: 170 Replies: 0 When the on-screen action is intense, nothing makes you feel more connected to your game than the feel of a good controller in your hands. With intuitive properties, precision-based controls, dynamic feedback and more, the DUALSHOCK 3 controller becomes an extension of your brain, turning your every move into an accurate performance in the game. As an experienced gamer, you know that one little move can mean the difference between victory and defeat, and that becoming immersed in the game can exponentially increase your skill level. The DUALSHOCK 3 controller is designed to help you do just that.


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How to handle obamacare as an employer?
Added on : Sunday April 13th 2014 11:00:10 AM
g: 0 Posted By: fleetwoodmac
Views: 91 Replies: 0 This is a question for a friend
He is a self employed person and he has one employee working for him, with wife and 2 kids working for him including himself he is 5 person company.

None of these 5 people had health insurance before.
He knows he is late because the due date was 3/31/2014 but he wants health insurance now for himself, wife and 2 kids.
He is also wondering if this is advantageous to give health insurance to 1 non family employee and then deduct this expense from income and charge this 1 employee accordingly.

So how is he supposed to handle this? I showed him texas health insurance exchange website but there is nothing for an employer there.

Please help!!


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g: 0 Posted By: remick
Views: 30 Replies: 0 Seed saving-Discover all the secrets to saving seeds-Tips & Techniques:all you need to know for seed starting
http://www.amazon.com/dp/B00AFCBDY0

4.4 out of 5 stars (23 customer reviews)

one more free book inside(the best herb to grow in your garden/home)

For those growing an organic garden, there is nothing more enjoyable than picking and saving seeds in order to plant them at the appropriate season.

In this step by step guide,Denny Hamlin, expert gardener, shares how simple it is to do the following:

1-Structure of a Seed
2- Gymnosperms vs. Angiosperms
3- Seed Growth and Development
4- Seed Germination
5-Factors Affecting Seed Germination
6- Steps in Seed Germination
7-Saving Seeds
8-all Tips on Saving Seeds of different organic plants

And this is just a small portion of what the book contains. In this manual I gathered tips and techniques from over 20 years of experience, simple explanations, and illustrations.



How To Improve Soil Condition in Your Garden
4.6 out of 5 stars (5 customer reviews)
http://www.amazon.com/Improve-Soil-Condition-Your-Garden-ebook/d...


Composting: A Comprehensive Guide to Making Your Own Compost
4.5 out of 5 stars (15 customer reviews)
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The Perfect Compost Plan: Simple Guide To Making Healthy Compost
4.5 out of 5 stars (14 customer reviews)
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Container Gardening : Container Garden Tips For Beginners For Successful Container Planting
4.8 out of 5 stars (13 customer reviews)
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Raised Bed Gardening Planting Guide (2) - Making The Most Of A Raised Bed Garden For Growing Vegetables
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Chrysanthemums and Marigolds
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How to Grow Potatoes: Planting and Harvesting Organic Food From Your Patio, Rooftop, Balcony, or Backyard Garden
4.4 out of 5 stars (46 customer reviews)
http://www.amazon.com/How-Grow-Potatoes-Planting-Harvesting-eboo...


The Exotic Northern Garden
http://www.amazon.com/Exotic-Northern-Garden-Florence-Hoyt-ebook...


Houseplants, Cacti And Tropical Plants: A Collection Of Articles By Sheri Ann Richerson
http://www.amazon.com/Houseplants-Cacti-And-Tropical-Plants-eboo...
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

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

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

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

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

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

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

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

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

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
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New Arrivals: Kenzo - Fish Leather Pouch
Added on : Thursday April 10th 2014 09:00:05 AM
Fish Leather Pouch from the »No Fish No Nothing» campaign and line, is crafted in buttery soft calfskin leather featuring a textured leather and sequin fish appliqué, top zip closure and embossed signature logo on back top line. Made in Italy. Signature dust bag included.
question about whole life insurance 770 plan
Added on : Wednesday April 09th 2014 09:00:14 AM
g: 0 Posted By: lifesustain
Views: 119 Replies: 1 Saw on another forum about whole life insurance plan called 770 plan but it was very brief.

There are rules that restrict direct advertising of whole life, so they use
this gimmick 770.

It is also taxdeductiblejust like 401 k plus 4 % dividend per yr if went through private life insurance company. I did google search but got very little to nothing on 770 plan. Any info from FW community? thank you.

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10TB free cloud storage via Chinese provider Tencent
Added on : Saturday April 05th 2014 08:00:04 PM
g: 0 Posted By: kwiknr3
Views: 175 Replies: 0 English-details here:http://www.techinasia.com/forget-box-skydrive-dropbox-tencents-1...

Provider site here:http://www.weiyun.com/index.html?WYTAG=weiyun.portal.function

I tried the Google Translate version of this website to try to validate this article's claims. I see nothing that clearly says 10TB is available anywhere in the translation of any of the webpages. It does appear that there is an app and a web version of their Weiyun (aka Micro Cloud?) service though. If you can read Chinese well, perhaps you can make better use of this than others. For the rest of us, may want to wait until the English version is available.
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g: 0 Posted By: remick
Views: 289 Replies: 0 http://www.amazon.com/dp/B007OWHL4A

4.8 out of 5 stars (13 customer reviews)

In 1954, two college students were hiking along a creek outside of Boulder, Colorado, when they stumbled upon the body of a murdered young woman. Who was this woman? What had happened to her? The initial investigation turned up nothing, and the girl was buried in a local cemetery with a gravestone that read, "Jane Doe, April 1954, Age About 20 Years."

Decades later, historian Silvia Pettem formed a partnership with law enforcement and forensic experts and set in motion the events that led to Jane Doe's exhumation and eventual identification, as well as the identity of her probable killer. The new Kindle version includes an Epiloguewith updated information on how the mystery finally was solved.
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Would you rent to someone who called the housing inspector?
Added on : Friday April 04th 2014 02:00:03 AM
g: 0 Posted By: Gauss44
Views: 36 Replies: 2 Why I'm considering calling the housing inspector (http://www.cityofboston.gov/isd/housing/rental.asp):
There's been awful fumes in my apartment that neither the landlord, nor myself, can figure out. The fumes, that come and go, are so toxic that they immediately make you lightheaded, shaky, achy, cause tingling on the roof of the mouth and top of the head, a bad headache, etc. My doctor told me to get out immediately and not sleep there anymore. I wrote to my landlord and he did nothing. He offered no other place to stay and said he couldn't fix the problem. I am tempted to call the housing inspector to see if they can figure this out.

What's holding me back:
I wondering if calling a housing inspector and having an inspection done is likely to cause the landlord to provide a negative reference about me? If you are a landlord would you under these circumstances?

What's the solution?
I would really just like to move out. Only problem is that I've been looking for months now and every decent place that I've found has been rented FAST (either before I got a chance to see it or right after I saw it).
Calling the housing inspector may be a gamble because on the one hand, the fume source might be found so that problem might (or might not) be solved. If other problems are found with the rental, anyone doing repairs might be able to find the source of the fumes. Since the fumes are off and on, having workers in the apartment is a good thing because they can alert the landlord when the fumes happen. I think the landlord thinks I'm exaggerating, although I'm not, at all. If anything, I've slightly understated the problem.BUT, IF I cannot move (due to a bad landlord reference) AND the problem isn't solved, then I'm in trouble. I cannot ignore this landlord since I've lived in this place for the last 10 years.

What would you do? What would you definitely NOT do?

What the fumes are:
One type is oil vapors. The other kind of fume is not identified, but causes the reactions mentioned above - and I mean just one breath, and you feel like you're doing summer salts. It's that bad! It smells very sweet like syrup or melted sugar would and undertones of burnt plastic.
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Best approach to evict roommates in a condo?
Added on : Wednesday April 02nd 2014 03:00:10 AM
g: 0 Posted By: evercl92
Views: 103 Replies: 3 I'll try to capture as much of the story here as I can. Though I'm sure I'll forget some details here and there.

Short Version:

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

Long version:

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

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

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

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

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

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

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

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

Any advice is much appreciated.
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What to do with money. Help!!!
Added on : Tuesday April 01st 2014 05:00:14 AM
g: 1 Posted By: raymondanthony
Views: 108 Replies: 2 I am 37 and married to my wonderful wife (she made me say that) who is also 37. We both have decent jobs (70k each a year) and we also own a small photography studio that brings in about 25k. We each have about 60k in a RothIRA. My wife also has a nice pension through the State of MA. We have a one year old daughter that we just started a 529 on. Our house is paid off, both cars are paid off and we have no Credit Card Debt. We currently have about 200k in the bank sitting in a savings account making nothing. I am really trying to figure out what to do with this money. I was laid off a few years back and that put a real scare into me to the point where I am afraid to make a real risky investment. Therefore I would love advice on an investment where I can take the money out if something major ever happens. I looked at some 5 year CD's at 2.6% but there are major penalties if you take the money out early. Any advice would be appreciate. Thanks in advance.
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g: 0 Posted By: jskins
Views: 281 Replies: 0 Up to 60% off Game of Thrones items+ take an extra $10.00 off Game of Thrones purchases of $40.00+ with code YOUKNOWNOTHING (Discount will be shown on product page) + $6.00 shipping at ThinkGeek. Shipping is free on orders of $75.00+. Deal Expires 3/30.
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g: 0 Posted By: robronson
Views: 32 Replies: 1 I've never tried this and am afraid to ask because it may be a forgiveness is easier than permission thing. I want to pay for customer/client business expenses, such as airfare, hotel, food, etc, using gift cards, and submit the reimbursement as normal. Is that allowed? Is it legal? Does it depend on the client? Tips/tricks to get it to work?

I've heard of coworkers at a previous company I worked for who traveled a lot and someone tried to redeem reward points for the hotel and then bill the customer. That didn't work and the company actually made an official policy that said you can use your reward points to pay for hotel/airfare but you can't submit a reimbursement, so if you want to do it to help the customer then feel free but there's nothing in it for you.

I'm not looking to do that because that's clearly a problem. But what if I buy Marriott gift cards from Lowes, using Chase Freedom for 5% off during Q2, and then use the Marriott Gift Cards to pay for my hotel, and request reimbursement. Instead of the usual 2% Cash Back I get from the Marriott purchases, I get 5% back because I got to use my Freedom card. The downside is the invoice/receipt will likely list it as a gift card payment.

In another idea, I had an airliner offer me a $100 voucher for a problem on a flight. It's technically a "gift card". I thought about applying that to my next ticket, which I book directly, and then submitting the reimbursement for the full amount. $100 in my pocket. This seems more grey/borderline than the previous idea.

There's ways to convert points of some programs into gift cards. Marriott is one where at least in the past you could convert 100k points into something like $1k worth of Marriott gift cards. Then in theory use the gift cards to pay for rooms, submit reimbursement to customer.

Anyone doing anything like this? Tried and failed? Best way to maximize the opportunity?

g: 0 Posted By: jcaserta
Views: 105 Replies: 3 Hi,

So my gf backed into someone on the way to work yesterday. It was at 2 mph or something, super minor accident, but unfortunately we had the trailer hitch on. So it put a dent in their bumper. Our truck is completely unharmed.

GF basically admitted to being at fault, which is fine. Gave insurance info, the other person filed a claim with our insurance company (Travelers). She got a repair quote from the most expensive shop in the area and it was $1050 or so. I've gotten quotes from this place before for our own work and it's been 3x what other places charge but fine.

Our deductible is $1000 so going through insurance gains us nothing. And we've both been completely accident free before this. From reading online it looks like this will raise our rates by 25% at least, which we have a few high value cars so that will be a pretty substantial increase, at least a few hundred $ every 6 months.

We tried offering the cost of repairs based on that quote plus a little bit extra to the person if they retract the claim but they won't budge and say they have to go through insurance. Has this been other people's experience as well? This is new territory for me, I've never been at fault in an accident.

I'm thinking about offering them $2k or something since that will absolutely pay for itself if our premium would actually go up a few hundred every 6 months for a few years, if I do this is there any guidance from anyone as to precautions to take or if this is a good idea.

Any other input?
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g: 1 Posted By: VivYip
Views: 197 Replies: 4 the ad is up on Staples website.

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

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

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

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

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

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

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

Thank you for reading.
Office & School Supplies Deals

Staples Coupons
Health Insurance - UCR vs PPO - Huge Medical Bill
Added on : Tuesday March 25th 2014 06:00:25 AM
g: 0 Posted By: Lappie
Views: 68 Replies: 1 I do everything I can to avoid a doctor, but im getting older. I have insurance through my employer which is a PPO that uses
PHCS and Multiplan. I had to have a procedure done in December 2013 that required outpatient surgery. The necessary
pre-authorizations were obtained and all doctors and the hospital were in-network. My individual deduct is $500 and
80% Co-Ins for the plan. I thought it was pretty good.

I am now getting balance billed by the hospital for $11,000 because my insurance processed the claim using
"Reasonable and Customary Charges." I was told by my insurance company have the right to use PPO or UCR in deciding what to pay.
Of course, I have never run into this before because I dont usually require this, however, moving forward, I may.
I see of the claims, for the surgeon and anesthesiologist, are also being done this way, so I expect to owe
a few thousand there as well.

Of the approx $20,000 bills, the insurance covered about $5000.

Any help on this matter is appreciated. If nothing else, let this be a warning to you who have plans to check
your documents to see if this craziness is applicable to you. In addition, the UCR deductions are not
applicable to max out of pocket, so its payable to the provider at 100%.

This is an expensive lesson learned.
Personal Finance Deals
Looking to purchase my first used luxury vehicle with financing.
Added on : Monday March 24th 2014 06:00:17 AM
g: 0 Posted By: Run2You
Views: 826 Replies: 27 Hey guys,

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

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

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

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

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
Looking to purchase my first used luxury with financing.
Added on : Sunday March 23rd 2014 09:00:07 PM
g: 0 Posted By: Run2You
Views: 144 Replies: 1 Hey guys,

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

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

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

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

Any inputs from experienced FWers will be greatly appreciated.

Question Deals
g: 0 Posted By: remick
Views: 134 Replies: 0 Koenigsegg One:1 for Need for Speed Rivals for PC
https://www.origin.com/en-us/store/buy/nfs-rivals-2014-/pc-downl...

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


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

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


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

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

Once youve added new cars to your garage, test them out with two new modes of racing. The Drag mode challenges you to a contest of pure speed. Shift gears manually as you burn a quarter mile of rubber in pursuit of the finish line, and challenge drag racing champion Chris Rado in his Pro-FWD Reaper SCION tC. Then switch over to the Standing Mile race, an all-new racing challenge that stresses a flat-out rush of adrenaline as you hit the gas and watch the RPMs climb. Choose your vehicle and rev your engines. The Shift 2: Unleashed DLC Pack turns your PC into a high-octane driving machine!
Toys, Games,& Collectibles Deals
g: 1 Posted By: remick
Views: 240 Replies: 0 https://hmvdigital.ca/releases/3353242
Movies & Music Deals
g: 0 Posted By: sepulcher
Views: 194 Replies: 6 For the last 5 years or so, I've been blessed enough to bounce from funded grad programs to fellowships around the world, but now I'm faced with this very different scenario. I'll be receiving a lot more money, guaranteed for 5 years, and I'll need to stay (relatively) put for that long as well. Simply, I don't know how to do this, and it's rather intimidating. If anyone would be able to give me advice on anything from whether or not I should buy a home, what I should budget for what, or point me in the right direction I would really appreciate it a lot!

My fellowship includes:

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

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

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

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

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

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

Some basic questions:

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

Thanks in advance to anyone who can either give direct advice or point me to somewhere that I can find it!
Question Deals
g: 3 Posted By: iLetTheDogsOut
Views: 131 Replies: 1 Craftsman 6-Amp, 2,700 RPM Corded Reciprocating Saw $29.99 P/U @ KMART

"6-Amp Corded Reciprocating Saw Is Versatile PowerIf nothing else will do the trick, add theCraftsman 6-amp corded reciprocating sawto your bag of tricks and you'll be back on track in no time. With speeds up to 2,700 rpm and a 3/4-inch blade stroke length, this saw has the power you need for construction, plumbing, demolition work, heating and air conditioning repair or jobs around the house. It can cut through wood, metal, drywall, PVC and more with ease.Weighing in at a shade over seven pounds, the6-amp corded reciprocating sawis easy to work with. Dual work lights boost visibility, while a tool-less blade clamp lets you work more efficiently. A soft handle lets you keep your grip no matter how long you're working with this high-performance saw.

For tricky projects where every other cutting device has failed you, turn to the power and versatility of theCraftsman 6-amp corded reciprocating saw
A six-amp motor and heavy-duty machined gearbox power the saw
It has a variable speed range up to 2,700 rpm with 3/4-inch blade stroke length
The adjustable shoe enhances stability and gives clear visibility of the blade in any position
Increase work productivity with the tool less blade clamp and the dual LED work lights
Eight-foot cord
Weighs 7.3 pounds
Includes the saw, blade, an Allen wrench and a manual
One-year limited warranty"


Tools Deals

Kmart.com Coupons
Game of Thrones Hoodie - $41.63 Shipped w/ CC at Think Geek
Added on : Monday March 17th 2014 08:00:05 AM
g: 0 Posted By: Tuba2
Views: 228 Replies: 0 Think Geek has the Game of Thrones Hoodie on sale for $44.99 - $10.00 coupon code "YOUKNOWNOTHING" + $6.64 shipping = $41.63.
Clothing Deals

ThinkGeek Coupons
g: 0 Posted By: Ayla
Views: 54 Replies: 0 The Brady Bunch: The Complete Series with Shag Carpet Cover (1969) - on 21 DVDs - $47.99


http://www.amazon.com/The-Brady-Bunch-Complete-Series/dp/B000MGB...


List Price: $109.99

Price: $47.99


Compare:
~~~~~~~
Same set at WalMart for $67.70



There are sopme good reviews and some bad about this particular set. You will have to choose for yourself. Some people do not like the cover, and others say nothing about it.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Gas grill made in the USA, gander mountain B&M Very YMMV $199-$249
Added on : Sunday March 16th 2014 03:00:03 AM
g: 0 Posted By: skh12
Views: 212 Replies: 1 Was at Gander Mountain store yesterday in west palm beach Florida, was able to pick up a Huntington rebel 440 for $249.99, made in the USA.

they also had the 420 for $50 less.

they were marked clearance .

Lowes link for reference

assembly was straight forward and it went together nicely, I think I only used 1 Phillips screwdriver , construction seems good, but I didn't cook on it yet.
nothing stood out as especially remarkable about this grill, but after researching how the other manufacturers quietly moved production to china (weber), I went out of my way to get this brand.


Home & Garden Deals

Gander Mountain Coupons
g: 0 Posted By: 740il
Views: 177 Replies: 4 Hi, I was looking for a pre-owned 07-08 Range Rover with high miles that has the Luxury pkg/Cooled seats feature and I found one online at a dealer in FL (I live in PA). They mention on their websitethat the vehicle has "Heated and cooled front & rear seats".

I called them and a polite rep confirmed availability and we settled on a sale price and they said I could get it shipped or fly in and pickup the car. I checked the vehicle's carfax and it looked great with dealer services every 7-8k miles. They asked for a deposit to hold the car and I gave them $500 over the phone using a credit card. They emailed me the contract and credit card receipt which I promptly signed and emailed it back the same day.

The next evening, my wife was looking at the pictures on their website and noticed the suv does not have the rotary knob for cooling seats (my wife knows more about this vehicle than me, unfortunately she was busy at work when i decided to go for it), so we did some research of other similar range rovers and found a match with that feature on eBay - same year & model. We noted the differences and the following morning, I sent an email with pictures of this vehicle's dashboard and another vehicle's dashboard and marked the differences.

They didn't reply back so I called them and the rep said it could be a mistake on their website and offered a price reduction of $700, however I believe the value of that feature is a lot more than what was offered and asked for $2000 (the pkg costs $4500 on a new vehicle). They disagreed and I asked them to cancel the deal and refund the deposit. She then discussed with the dealership owner and said I was having buyer's remorse and since I want to back out of the deal they won't refund my credit card deposit. This has nothing to do with buyer's remorse and I'll gladly buy the vehicle with a $2000 price reduction.

I've saved pictures of their vehicle and the other comparable vehicle and marked the difference. I also saved pdf printouts of the vehicle description and the photos from their website. I called the credit card company and setup a dispute. They started one but weren't sure if it will go through since I signed a contract that says all deposits are non-refundable under any circumstances but they will try anyway. I also filed a complaint on the florida attorney general's website. Do you think I've done enough or anything else remaining? thanks
Question Deals
50% off Never Hungover
Added on : Wednesday March 12th 2014 09:00:03 AM
g: 0 Posted By: ingenue007
Views: 116 Replies: 1 I swear by this thing. I've tried different brands and like this the best.If you think it's stupid, then move on. Usually it costs 3 or 4 bucks at the gas station. And if you have kids or have to wake up early, 3 or 4 bucks would have meant nothing the next morning. So here's a code for 50% off:LUCKYNHONeverHungover.com
Health Deals
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers
Rating - 4.3 (28 Reviews)

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers teaches real estate investors and those interested in learning to invest in real estate how to define and Target ideal cash buyers and motivated sellers. The book covers absentee owners, rehab investors, Section 8 landlords, and other buyer types. Some of the marketing topics include mailing lists, postcards, both online and offline marketing strategies along with examples. Anyone who wants to wholesale a house or is curious about flipping houses should pick this book to get educated on cash buyers and motivated sellers for their real estate investing.

The Myth of the Garage
Rating - 4.3 (60 Reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage and other minor surprises, a collection of the authors best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled The Future Fails Again.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund (The Horror of Mutual Funds)
- Why your gut may be more ethical than your brain (In Defense of Feelings)
- How to communicate with numbers in a way that changes decisions (The Gripping Statistic)
- Why the Next Big Thing often isnt (The Future Fails Again)
- Why you may someday pay $300 for a pair of socks (The Inevitability of $300 Socks)
- And 12 others . . .
Punchy, entertaining, and full of unexpected insights, the collection is the perfect companion for a short flight (or a long meeting).

The Diary Of An Inexperienced Father: months 4-9
Rating - 4.6 (5 Reviews)

Things were looking up for Graham Peterson in both his career and his love life at the end of the last book, The Diary Of A Hapless Father: months 0-3′, but things were never going to stay sweet in Grahams garden for long. Having had his proposal to Alison refused and at risk of losing his new job before he even starts, 2013 isnt off to a good start at all. One of the only things keeping poor old Graham going is knowing that the first three terrifying months of his son Charlies life are behind him.
Over the course of six months, in The Diary Of An Inexperienced Father Graham realises just how inexperienced he is not only at being a father, but also in his other relationships and outlook on life.
The only question is, can Graham get his life on track before Charlie is old enough to form an opinion of his dad?

Unleashed (A Sydney Rye Novel, # 1)
Rating - 4.1 (244 Reviews)

The Sydney Rye series of mysteries feature a strong female protagonist and her rescue dog, Blue. It is recommended for the 18+ who enjoy some violence, dont mind dirty language, and are up for a dash of sex. Not to mention an awesome, rollicking good mystery!
UNLEASHED is the first book in Emily Kimelmans best selling Sydney Rye series of mysteries.
When the series begins Sydney Rye is named Joy Humbolt. She does not like people telling her what to do, so it comes as no surprise that she was just fired from her last job. When she buys Charlene Millers dog-walking business on Manhattans exclusive upper east side, it seems like the perfect fit: Quiet environment, minimal contact with people.

But then one of her clients turns up dead, and Charlene disappears. Rumors say Charlene was having an affair with the victimand of course, everyone assumes Joy must know where she is. Joy begins to look into the crime, first out of curiosity then out of anger when there is another murder and threats start to come her way.
When police detective Mulberry is assigned to the case, Joy finds a kindred spiritcynical and none-too-fond of the human race. As they dig deep into the secrets of Manhattans elite, they not only get closer to the killer but also to a point of no return. One last murder sends Joy Humbolt hurtling over the edge. Her only chance of survival is to become Sydney Rye.

FLINDERS FIELD (a murder mystery and psychological thriller)
Rating - 4.5 (13 Reviews)

With a quarter of a million downloads, the bestselling author of Max and The House of the Wicked, D. M. Mitchell has been compared to Dean Koontz, Stephen King, Ruth Rendell, M. R. James, Linwood Barclay, Umberto Eco, the Bronte sisters, Charles Dickens and many others. Discover for yourself why D. M. Mitchell is being regarded by some as one of the UKs most original and exciting writers of psychological thrillers and murder mysteries.
In November 1974, a young woman called Sylvia Tredwin goes missing. Nobody has the faintest idea where shes gone. She was wearing only a light skirt and T-shirt, didnt take anything with her, no suitcase, nothing. Simply went out one dark evening and never returned.
Some say she went off with another man, because thered already been talk in the small Somerset village of Petheram that shes that type of woman attractive, flirty with it, dressed too provocatively. But her husband, Bruce Tredwin, doesnt believe a word of the callous whisperings of the locals as they gossip about his outsider wife. So he never gives up searching for her. A fortnight later on a stormy winters night he finds her. Shes naked in a place called Flinders Field, wandering aimlessly, badly bruised and in total shock. But what she says to him will astound everyone.
She says shes been abducted by aliens, and she was never to be the same again, with tragic consequences
Forty years later and George Lee is coming back to Petheram, the village of his birth. His estranged father has died and there are things his mother would like him to sort out. George hates the village, couldnt wait to get out and make a life for himself as a writer of cheap and gory thrillers. He notices that Adam Tredwin, Sylvia Tredwins son, has also returned to Petheram. As children, the two used to be friends, briefly, before Adams father was killed in the 1980s by a hit-and-run driver and Sylvia took him away from the village.
But its when George begins to tidy out his fathers loft and slowly begins to learn more details about Sylvia Tredwins disappearance that he starts to uncover dark secrets and hidden truths discoveries that will peel back the decades to reveal a labyrinthine world of madness, jealousies, deceit, lies and murder. He little knows his idle quest to find out the truth behind Sylvia Tredwins abduction will have profound and dangerous consequences for all concerned.
D. M. Mitchell pens yet anther taut psychological thriller and murder mystery, set in the claustrophobic world of a small Somerset village, with a bevy of believable characters and a plot that twists and turns in Mitchells inimitable style to a deliciously shocking and unexpected conclusion.

Blood Dahlia A Thriller (Sarah King Mysteries)
Rating - 4.8 (11 Reviews)

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
Vermont Country Store Free shipping,with code FSSA 74 ( ends /13/2014)f
Added on : Wednesday March 12th 2014 12:00:07 AM
g: 0 Posted By: CPenn
Views: 87 Replies: 0 Sorry for short notice, just saw this. They have a handful of clearance items, but nothing to write home about, unless you need to get your Viatmetavegamin on, Lucy style. If so, you might need this Metatone Liquid Tonichttp://www.vermontcountrystore.com/store/jump/productDetail/Yank...

And if that skit causes you to laugh so hard you are in danger of blowing off your eyebrows, here's some eyebrow glue. No, seriously.

http://www.vermontcountrystore.com/store/jump/productDetail/Heal...


For a reminder: http://<iframe width="560" height="315" src="//www.youtube.com/embed/m-wErh2qp2o?list=PLTzUXCf7HgSfOgTOyGSQOQ2sexMHxx98C" frameborder="0" allowfullscreen></iframe>


Health Deals
Rocket Science TShirt - $5.99 @ ThatDailyDeal
Added on : Monday March 10th 2014 06:00:06 AM
g: 0 Posted By: graymonkey
Views: 202 Replies: 1 http://shirt.thatdailydeal.com/home.php?id=20751

TShirt says "Rocket Science - Making Everything Else Look Simple Since 1958"

You know, prior to 1958, you would be hard pressed to find an analogy for how difficult a task was (or wasn't). I mean, sure, you could compare it to brain surgery, or maybe complex mathematics on an abacus, but nothing has ever been or will ever be quite as catchy as rocket science. Want to sport this awesome shirt? Simply press the "buy" button. It's not rocket science!
Features:

Shirt color: dark blue
Screened onto a soft cotton t shirt
Available in S-XXXL, select your size at checkout

Clothing Deals
Gun Optics: Vortex StrikeFire Red/Green Dot Optic $99 shipped
Added on : Sunday March 09th 2014 01:00:02 AM
g: 0 Posted By: firstnet
Views: 44 Replies: 0 Palmetto State Armory has the Vortex Strike Fire Sight on sale this weekend for $99 with free shipping.

http://palmettostatearmory.com/index.php/vortex-strikefire-red-g...

While this nowhere near an EOTECH or Aimpoint, this is by far one of the best sub $200 optic you'll find. At $99 shipped- this is a steal.

From PSA's website:When the situation demands fast shooting, a big scope with a narrow field of view just won't cut itchoose the StrikeFire red dot and shoot with both eyes open. With unlimited field of view and eye relief, nothing gets you on Target faster than this tough, compact red dot scope.Optic has option for both RED/Green Dots.High recoil caliber ratingtested with .375 H&H Magnum for 1000 rounds.Included extra-high 30mm ring puts scope's bore center 37 mm (1.46 inches) above the base height. Commonly used for mounting with a Flat Top AR15, providing lower 1/3 co-witness with iron sights.


B&H review: http://www.bhphotovideo.com/bnh/controller/home?O=&sku=563215&is...

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

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

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

I later contacted Capital One Executive Offices regarding my situation and was told that there was nothing that they could do for me. They thanked me for being a GM Card holder for 22 years but the $500 earnings carryover limit to the new card was set in stone by their agreement with General Motors and they could not do anything else for me.
Credit Deals
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

~A vengeful woman who aches for her place in paradise...In Iraq an aid worker who lost her husband and child in a brutal attack saves the life of an American contractor. Believing he can help her avenge her family's deaths, she follows him back home to the United States.An anguished mother desperate to find her child...In California a soccer mom arrives to pick up her son from school, only to discover that her husband has taken their child and vanished without a trace.A detective who needs to redeem himself...In the Rocky Mountains an off-duty cop rescues a little girl from a raging river moments before she utters her final words in his arms. Haunted by failure, he launches an investigation that leads him to a Montana school where time is ticking down on an event that will rewrite history....Three strangers entangled in a plot to change the world in only six seconds....

RATS
Rating - 4.8 (14 reviews)

~One man on a decades old mission. A woman who hunts him. The bullet they share.
Joe Klinglers debut novel twists from the shadows of a war long past to headlines hiding Washington secrets behind corporate incompetence when two warriors face off. Both skilled at violence. And deception. Both accustomed to winning.Summer greets the land of the midnight sun as a lone rider races across the last American wilderness, delivering on a promise he made long ago. He has many names, but the world only knows a shadow called the Demon.Claire Ferreti, the sniper who will soon hunt him, sips sake in Washington D.C. with her lover, a young General whose specialty is rarely discussed.When a boy finds a small machine, the rider and sniper embark on a collision course that leads to a typhoon-ravaged jungle, a test of skill and ideology, and Claires unconscious body bleeding in the mud. In an instant she becomes the hunted, a tool for survival, and an unforeseen threat as the General pursues her into a labyrinth of cyber-secrets where political expedience and financial reality collide like a fireball piercing steel pipe.

I'm Bored - 50 Ways Your Kids Can Have Fun With Or Without You
Rating - 4.6 (6 reviews)

~How you ever arranged an activity that you thought your kids would totally love an activity that you thought would be a ton of fun?And thenheard him say, Im bored!?I know I sure have, so I decided to come up with solutions. I came up with ideas I thought children would love, and tested them out with my children, their friends, and others. Through this process I learned a lot; but most importantly I learned that there is not one particular activity that EVERY child loves! There are activities that most children love, which make your chances of successfully finding a rewarding activity for both of you easier.So, I created this book, which suits all personality types, ranging from the most introverted to the most extroverted types of personalities.Of course, every child is different and unpredictable at times. Therefore, this book will show you 50 different ways to have fun.The unique aspect of this book is that it not only includes fun things that you and your children can do together, but it also includes things that your children can do when they are alone, as well as when they are with their siblings or friends.This book is an excellent resource for you to keep around when youre at home or on vacation!

Frugal Family Fun: Frugal Activities for family time
Rating - 4.8 (4 reviews)

~Ever been stuck inside your house with your kids with nothing to do? Ever wondered how you and your family could give back to the community? Ever wanted to get more involved in outdoor activities, but just didnt know where to start? Are you looking for ways to make more family time beyond watching a movie or playing a board game? If you answered yes to any of these questions, Fun Family Activities: Frugal Ideas For Fun Family Nights is for you.
This book is here to guide you and your family out of boredom and into excitement. Including engaging and entertaining ideas for toddlers and teenagers, your family is bound to get pumped up about something here. Let this be your imagination tour guide to bring some quality bonding time to your family. From cooking in your own kitchen to volunteering at a soup kitchen, these ideas provide endless, inexpensive ideas to bring your family closer together.

Blood Debt (Touched Series Book 1)
Rating - 4.6 (200 reviews)

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free Deals
$250,000/$500,000 in house appreciation--tax strategies
Added on : Wednesday March 05th 2014 06:00:15 AM
g: 0 Posted By: 4chi
Views: 131 Replies: 0 What if you were right at the $250/000 single / $500,000 married capital gain exclusion for gain sale of your residence, but you didn't want to move now but do plan to move in the future?

Are there any strategies that could be employed to realize that gain exclusion now and effectively step up your basis?

Example:
Purchased home for $500,000.
Current value $1,000,000
Value in 10 years, when you expect to sell: $1,500,000.
If tax laws stay the same and you stay married, you'll pay tax on $500,000 of the $1,000,000 gain when you sell in 10 years.

How about selling to a friendly third party right now at current market value with a one year right to lease and a right to purchase in one year for the current market value plus a small percentage? Friendly 3rd party makes a little profit and your new basis is current market value. Using my example numbers, you'd sell for $1,000,000 now, pay rent for year, and then buy it back for $1,020,000 in year. Your new basis is $1,020,000 and, again assuming no change in tax laws, you'll be inside the gain exclusion when you sell 9 years later and pay no tax on the gain. Obviously finding the ready and willing friendly 3rd party is the key, but perhaps there are itermediaries that do this already?

I googled a bit and found nothing on this.
Real Estate Deals
Lease numbers
Added on : Tuesday March 04th 2014 05:00:18 AM
g: 0 Posted By: blueis300
Views: 22 Replies: 2 Lease numbersI guess this would be the place to ask these questions. I tried to use Edmunds but still have a few questions. Trying to lease a Cadillac Srx Luxury. I know its not the base but has some added features like Navigation. The one questions is there is a supposed $1500 if you go from a different lease company and come lease with them. Does that mean I can negotiate from the MSRP also. Here are some of the figures I have and hope I can get close to understanding them. We saw the lease special of course that was low but was base with nothing. Yes I know the apr is based on credit but trying to get what I should actually pay for the vehicle.


MSRP $45,325.00
LEV .58% I know what that means
$26,288.50
39 months
apr they are using a 2.25%
cash collected $654.78
Rebate $1500
Selling price 43,850.00
ttl/cap $1250.00
taxes $1640.88
total cash surplus $674.58
adjusted cap $43,733.05
ttl start $654.78
Base payment $513.81
7% tax $35.97
payment $549.79
KeyBank $200 for Checking Account
Added on : Monday March 03rd 2014 06:00:08 PM
g: 0 Posted By: mindbowels
Views: 151 Replies: 0 KeyBank just about always has a promo going. The latest one is a bit better than the last few ($129 Kindle Fire and $150 cash)


https://www.key.com/personal/promotions/dda/ps-200.jsp


As palmpilot said in a former thread:

For 14 states including AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, and WA.

Has a few hoops to keep the account free but nothing too crazy.

Need to keep the acct open 6 months, else $25 fee applies.

Deposits Deals
Myuta.com became Balaji Tax doing the same stuff
Added on : Monday March 03rd 2014 04:00:08 AM
g: 0 Posted By: ajnabi4all
Views: 26 Replies: 0 Myuta.com became Balaji Tax doing the same stuff... Here is the link to myUTA review which is nothing but Balaji Tax review

http://www.fullofdeals.com/forums/finance/1169473/
Tax Deals
The best strategy to negotiate on a home to be built
Added on : Sunday March 02nd 2014 10:00:08 AM
g: 0 Posted By: dxulab
Views: 109 Replies: 0 I'm looking at an empty lot (owned by the builder) in a community. Builder has not listed anything about this lot in MLS yet. I talked to builder's sales rep, picked the floor plan and options/upgrades, and got a quote that includes base price (for the floor plan i like), lot premium and options/upgrades. I've read that I should focus the negotiation on lot premium (it really means nothing other than builder's intention to make more $$ because there is special view or golf course nearby) and options/upgrades (because of huge profit margin). What about make things simpler and just negotiate on the final price by multipling the total sq footage with the average unit price obtained from recent home sales by the same builder in the same subdivision?

What other tactics I can use to get maximum discount?
Real Estate Deals
g: 0 Posted By: remick
Views: 456 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
g: 7 Posted By: remick
Views: 1129 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
Edible Magazine - free issue (mailed)
Added on : Monday February 24th 2014 05:00:07 PM
g: 0 Posted By: Gauss44
Views: 141 Replies: 0 http://ediblemanhattan.com/sub/eform/trialform.html

"Please note: You pay nothing now, and there is no obligation to subscribe. We hope you like the free trial issue and will consider subscribing in the future."


Congrats! Your FREE TRIAL issue ofEdibleis on the way.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 0 Posted By: DropDeadDeal
Views: 251 Replies: 0 Simmons Microfiber Recliner
Bonded Leather Recliner

Best deal I've seen in a while for a comfortable recliner. They're nothing fancy like a Lay-Z-Boy, but I sat in one in the store and it seemed both durable and comfortable and the reviews seem to agree. The leather one is obviously not high-end leather. It's bonded leather which is about the cheapest leather variety, but after seeing it in person it didn't look or feel cheap. It exceeded my expectations for the price.

$179.99 sale price (10% Olympic Sale - online only through 2/23)
-10% coupon code (kmart10psavings)
=$161.99 + tax, free in-store pickup

OR as low as $154.99 - $36.62 in reward points towards the future - 6% FatWallet CashBack = $109.07 for a recliner or lower if you have more points!

-YMMV for additional Shop Your Way Savings.I had $7 in surprise bonus points specific to my account, but they give these points to a lot of people randomly. I also earned $10 in Shop Your Way Bonus points (loaded onto my specific SYW account), along with $26.62 in points for future in-store or online purchases, . So I got a total of $36.62 in points for a future purchase and $7 off this order. Check your account to see what offers you have availabletoload.
Furniture Deals

Kmart.com Coupons
g: 0 Posted By: Gauss44
Views: 66 Replies: 1 I have an extended family member who qualifies for elderly disabled subsidized housing in Massachusetts. The main concern is about the safety of these dwellings. I am aware that many people are disabled as a result of a highly communicable disease. An example would be drug-resistant tuberculosis. There's probably no way of knowing if the previous tenanthad an awful incurable transmittable diseases. And perhaps no way of knowing if a neighbor has something like that either (where the germs can just flow into your open window or contaminate the indoor hallway).

On the other hand, the incentive to live in a place like that is that they only charge 30% of a person's income. And if someone has no income, I believe monthly rent can be as low as $35 a month! Of course, that sort of savings is nothing compared to the misery and medical expense one would incur by catching some awful ailment. I've tried contacting the agency that runs these developments and all I got were vague answers. I think this is a common question, so hopefully someone on here would know the answer. I would really like to know specifics about what they do to ensure that diseases like my example of TB, don't run rampant (or get spread to a few unlucky individuals by means of their dwelling). I did a google search about this and found nothing. While I believe that this does fit FW since it's partially a financial issue, I would be interested in posting this elsewhere as well, if anyone's aware of a more appropriate forum (which I am not aware of and could not find).
Discussion Deals
Looking for property tax assistance....
Added on : Saturday February 22nd 2014 04:00:09 AM
g: 0 Posted By: ZDog377
Views: 129 Replies: 2 Hello everyone,

I've run into an issue between my mortgage holder and my local tax collector. Quick summary here and longer version below.

Quick version - Mortgage company says they sent $1734 to tax collector for school tax. Taxes are in reality $1434 since I have received Homestead exemption and 2% discount this year (2013). I request difference from tax collector. She responds that mortgage company did not send extra, they had sent the correct amount and the reason I am seeing the issue is that the mortgage company has crossed two names in their system. The tax collector states there is nothing she can do to get the mortgage company to fix their records. I explained to her that if this is not resolved by this coming Monday at 8 AM, I am taking legal action to get this matter resolved. I have emails from her stating that the issue is not on her end but in the system of the mortgage company.

Long version - Back in December when my mortgage company did my yearly escrow analysis, they noted that I was $143 short and that I could either pay up now or I could roll it into the next 12 payments. I sent in the check. A few weeks later, I receive a delinquent tax notice for my school taxes. In getting proof from my mortgage company that the taxes were paid, I noticed that the amounts were about $300 off. I then found out that the tax collector is not doing her job well enough and that just about everyone in my town has received these notices. The town performs an audit and finds checks from four months ago totaling several hundreds of thousands of dollars just sitting un-cashed in her office. I finally reached someone at the borough building and they confirm that yes I am paid in full, but at the $1434 amount not the higher amount. Mortgage company sends me a letter stating that they paid the $1734 amount and have not received any Cash Back.
Finally, I contacted both the business manager at the school district and also the tax administrator at the county level and they both agree that I have overpaid and that I am due a $300 credit on my taxes. They state that I need to recover this money from the tax collector. I first tried calling and received no response. I then tried email and received a response. She states that my mortgage company has my information confused with another person and that I am paid for the correct amount and the mortgage company did not send her a check for too much. She cannot tell me who she talked to at the mortgage company that helped her come to this conclusion. I explain to her that the mortgage company had sent the payment by magnetic tape disbursement (their words) and not by check. She then responds she does not accept anything except checks, I then questioned how she is showing anything on my account then?

I am wondering how I go about getting back the overpayment on my taxes. I have done everything I can on my end to move this process along but she seems to not be cooperating. I have no problems taking this to small claims court, or is this something I should let a lawyer handle?

Please let me know if any more information is needed.

Tax Deals
I am terrible at math and projections: should I pay my rental or invest?
Added on : Friday February 21st 2014 01:00:10 PM
g: 0 Posted By: maxandsam
Views: 176 Replies: 1 I have about 100k extra sitting around doing nothing except losing value b/c interest rates are low. I am going to withdraw this to pay off a loan or invest. However I am terrible at math and do not know which scenario is better.

Should I:

1. pay down the note of a rental house that I own and owe 190k on. 30 year fixed at 3.625%. Rentals during the year cover my entire mortgage. (I owe more on my primary residency, but due to laws, it would be the hardest thing for me to lose so that payment is last).

2. invest the money into mutual funds. I have about 400k in mutual funds already and my goal is to get to 1 million by age 40. I'm 33 rt now. That's my goal b/c firecalc.com says at 1 million, by retirement age, I should have plenty to do nothing if I want.

If I add more to funds and get average market return, due to compounding and interest and growth, will I get more value out of investing my 100k or will paying down the rental house note (and the interest saved with prepayment) exceed investing? Let's say I think 10 years out, will my 100k investing, grow and far exceed the savings of prepayment of loan? Thanks to all you math wizzes. and PS, I could spend it on hookers and blow and crown vics, but I like German cars and don't want the herps nor a bloody nose so no H&B.
Personal Finance Deals
How to profit from move from Europe to USA
Added on : Thursday February 20th 2014 11:00:06 PM
g: 0 Posted By: Lamentablemente
Views: 7 Replies: 0 The thread about profiting from a trip to China (http://www.fullofdeals.com/forums/finance/1342755/ ) got me to wonder how I can profit from my upcoming move from Europe to the US. My company will pay for me to bring up to 20,000 lbs back with me, and I own next to nothing. Any advice about European goods that would resell easily in America for a profit and be worth the effort? Meat and dairy products have to jump through hoops and fees to enter legally, so I will avoid those. Im bringing back gallons of cheap, high-quality olive oil for my family, but I dont think theres much of a margin there.
Thanks, Lamentablemente
Discussion Deals
g: 2 Posted By: Deals4mykids
Views: 201 Replies: 2 Hogan's Heroes: The Komplete Series, Kommandant's Kollection: Bob Crane, Werner Klemperer for $48.94 + free shipping

http://www.amazon.com/Hogans-Heroes-Komplete-Kommandants-Kollect...

Funny Nazis? Insane plots? Absurd ruses? And Richard Dawson? Yes, it's all here in Hogan's Heroes: The Komplete Series, Kommandant's Kollection.

One of most improbable ideas for a television series was a huge comedy hit. It featured a collection of Allied POW inmates working to sabotage the Nazi war efforts from their secret base WITHIN a German prison camp, all under the nose of the hilariously incompetent Colonel Klink. Even the prison camp's Sergeant Schultz knew more about what Hogan and
his men were up to than he let on (I know nothing!!).

For a nostalgic look back at a great comedy show there is nothing better than Hogan's Heroes in this fine collection.

Free Shipping on all orders over $35.


Movies Deals

Amazon Coupons
Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

Question Deals
Free Kindle Book - Buddhism: Key Ideas
Added on : Wednesday February 19th 2014 06:00:20 AM
g: 0 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/Buddhism-Key-Ideas-Mel-Thompson-ebook/dp/B...

With its blending of wisdom and compassion, Buddhism offers a view of the world that has transformed the lives of millions of individuals over the last two and a half thousand years. Its ideas are not presented as having inflexible religious authority, nor simply as an intellectual challenge, but as an invitation to reflect on the nature of reality and on the universal human quest for happiness in a world where everything is changing and nothing is secure.

This book presents 101 key Buddhist ideas, arranged in alphabetical order. Each is explained clearly but briefly and related to others, so you can dip into the book, find an idea that interests you, and explore outwards from that point.

It assumes no prior knowledge of Buddhism and offers a quick way to get an overall view of Buddhist thought, or to check how Buddhist ideas relate to one another. It should be particularly useful as a revision tool for students taking papers in Religious Studies from GCSE
upwards.



Also free at the time of posting:

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

Zen Prayers For Repairing Your Life
http://www.amazon.com/Zen-Prayers-Repairing-Your-Life-ebook/dp/B...

Secrets of True Happiness
http://www.amazon.com/Secrets-True-Happiness-Tai-Sheridan-ebook/...


Totally Free Deals
$25 GC with ANY Tablet Purchase at Staples - Including iPads
Added on : Tuesday February 18th 2014 01:00:02 AM
g: 0 Posted By: silverteg2nv
Views: 198 Replies: 0 SORRY - This appears to be a duplicate post.....After searching additional terms I found individual posts about tablets and $25 GC...nothing wrapped into one post. I'll alert the mods to delete this post. SORRY


Last time this offer was only on iPads but now it has been expanded to include any Tablet -

http://www.staples.com/sbd/cre/products/140209/34247/index.html?...

Free shipping and Staples Rewards........


Fine Print -
Offer valid from 2/9/142/22/14. Excludes clearance and eReaders. Staples gift cards are redeemable via easy rebate or by mail-in rebate. Customers submit Easy Rebates online. To learn more, go to StaplesEasyRebates.com. Cards are mailed within 46 weeks. Terms and Conditions apply, subject to applicable law. See card for details.

Enjoy
Tablets & iPads Deals

Staples Coupons
Free Kindle Book - Sentinel of Heaven
Added on : Monday February 17th 2014 10:00:05 AM
g: 0 Posted By: parishr
Views: 169 Replies: 0 http://www.amazon.com/Sentinel-Heaven-Mera-Trishos-Lee-ebook/dp/B00IDI6CNK/ref=la_B00IDO82QE_1_1?s=books&ie=UTF8&qid=1392667023&sr=1-1

On the night of the Leonid meteor shower, Moira Newton finds a damaged celestial being crash-landed outside her old house. She nurses him back to health and -- since he remembers little or nothing of his previous life, not even his true name -- calls the silent angel Leo. The ten thousand year old warrior that she comes to care about is sure of only three things from before his fall: that he has loved Moira for her entire life, more than anyone or anything else he has ever known; that she is the vessel for a secret Crucial to the survival of his entire race; and that the very sound of his voice could kill her instantly...

Intended for adult audiences, Sentinel of Heaven explores the many different forms that love can take and asks the question -- how far would you go for what you believe in?
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Making an offer on a foreclosure
Added on : Monday February 17th 2014 06:00:12 AM
g: 0 Posted By: Kainer
Views: 124 Replies: 3 Hi guys,

Wondering if anyone has experience buying a foreclosure. I'm currently looking at a house priced $240,000 that has been on the market for 90+ days. It has been reduced from $259k in that time-frame. It's in a great area, with great schools, and the Surrounding homes are all worth between 275-350k.

The house is in great shape - could use some remodeling, but nothing precluding us from living in it (assuming the inspection comes back clean). I'm already pre-approved for a mortgage.

What I want to know is how low can I go on the offer? Is there a downside to a really low ball offer to a bank other than we get rejected?

Appreciate the help as always! Thanks!
Real Estate Deals
New Arrivals: Diane Von Furstenberg - 440 Micro Mini PVC Crossbody Bag
Added on : Saturday February 15th 2014 09:00:18 AM
Diane Von Furstenberg 440 Micro Mini PVC Crossbody Bag is crafted in plexi PVC for a nothing-to-hide carefree feel. Featuring neon studded detail, chain and leather shoulder strap, flap push lock closure with gunmetal and neon hardware. Signature dust bag included.
g: 0 Posted By: MISTERCHEAP
Views: 187 Replies: 0 ends 2/20

Buy 4 General Mills Cereals - including Fiber One Protein, Chocolate Toast Crunch or Cheerios Muligrain Dark Chocolate, $3.00 each
-(4) $0.75 off Multi Grain Cheerios Chocolate cereal, $0.75 off ONE BOX Chocolate Toast Crunch cereal or $0.75 off Fiber One Protein Maple Brown Sugar

www.coupons.com (will need 2 computers for 4 prints total)
-$6.00 Instant Savings
Pay: Nothing
as low as 4 boxes for FREE
Grocery Deals
Cablevision Saved myself $25 month off silver package YMMV
Added on : Friday February 14th 2014 05:00:11 AM
g: -3 Posted By: traderneal
Views: 212 Replies: 1 Getting tired of paying over $200 month for cable, tv and phone so I called cablevision to see if they could do anything.

Now first, let me say, I like Cablevision. Knock wood, I have had no problems with them and I find their phone customer service, especially when I have problems with the internet.

Anywhoo, I called them and simply asked if they could do any better. At first they said no promotions were available. I then said to them, look, I don't want to play the game and threaten to cancel my service andthat I am going to FIOS and I know that usually works. I just don't want to play that game. I just would like a reduceded cable bill. The CR said there was nothing he could do but switched me to retention.

I repeated my story, and after a 3 minute hold I had a choice with 2 offers:

$25 a monthoff my current silver package
$20 a month off the gold package.

(The gold package would have given me a few more movie channels and (allegedly) 3X faster internet.)

Saying I didn't want anymore channels and my internet service is fine, I chose the $25 monthly savings.

Again, this is prolly a huge YMMV, but worth 10 minutes total of your time. I think the key is to be honest and say you don't wanna play the "I'm leaving game"
Services Deals
Risk vs. Return
Added on : Thursday February 13th 2014 05:00:17 AM
g: 0 Posted By: DiegoB
Views: 188 Replies: 1 So as you know guys in valuing the intrinsic value of an asset to a diversified individual investor, one element used in the CAPM model, is the stock's beta and the market's risk premium, which together capture the risk of a certain asset. And risk in finance is described as the standard deviation between actual vs. expected return, or in other words, how much a certain stock's return deviates from its expected return (the more it deviates the more risky an asset is perceived to be).

But isn't this illogical? why would stock A, which deviates more than stock B (both having the same expected return) be priced in such a way as to generate higher returns?

To put you in the same state of mind as me, think of the following:

Suppose that I am about to sell two different tickets, one that entitles its bearer to earn 1$ every time I toss a coin for 10 consecutive tosses no matter the outcome (whether heads or tails), and the other 2$ every time the outcome is heads but nothing for tails. And so I put these two tickets in the open market so that investors can bid on them.

In finance, the latter is a more risky investment and thus current finance theory suggests that the market would price it at a lower price point than the former, being Risk free. But if this was the case, then everyone would rush to buy the latter ticket, after all, why would the ticket with a certain payoff be priced more expensively than that of an uncertain one if they both have the same expected return? (especially to a diversified investor)

Notice that both have an expected return of 10$, and so my theory says that eventually, they will be both priced in the market at the same price point (a little less than 10$ per ticket).

This is all to suggest that risk in finance should be measured in a different way, what do you guys think?
Investing Deals
Starting a Curbside Recycling Business: A Journal
Added on : Tuesday February 11th 2014 02:00:15 PM
g: 17 Posted By: behr
Views: 3569 Replies: 46 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).

UPDATE as of 2/11/14: Got a domain that had free email so replace all mentions of the gmail account (facebook page, the survey, etc) with the new domain name branded emails.

Ordered the final surveys (again, 500 postcards to be distributed door to door [most likely IN peoples' door]).

Current expenses up to $242.46. (includes state LLC filing fee, postcards, an address stamp in case alot of folks want paper surveys, 1yr webhosting, and 3 months PO BOX rental)

Once the surveys arrive I will distribute them and wait several weeks for my 2 responses to pour in
Discussion Deals
Eset Nod32 Antivirus 2014 Free Shipping 19.99
Added on : Monday February 10th 2014 07:00:08 PM
g: 0 Posted By: Dilbertic
Views: 391 Replies: 3 Looked around and none of the current deals were active so found this on eBay free shipping 19.99 for one year. Great AV software.. This is a one user Lic for a year and No I have nothing to do with the eBay seller. Ihave 5 days left on my current lic and this is the best deal I could find without rebate... If your not in hurry then wait for Newegg or other merchant for a deal..

Linky

Dil
Software Deals

eBay Coupons
First AOR. Tips and tricks from the pros are welcome
Added on : Sunday February 09th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 104 Replies: 0 I have a decent chance of moving out of the country in the next few months, but in the meantime, I would like to do an AOR. Any tips and tricks from the pros are welcome as well as card suggestions

Goal: Earn as many bonuses as possible, whether they be cash, points or miles

Currently have the following cards:
Chase Blueprint - $500 CL. This card was downgraded from a Chase Continental card and the CL was re-allocated elsewhere. I have literally never used this card.
Chase AARP - $33,000 CL
Chase United - $20,000 CL
Citi Diamond - $4,800 CL
Citi Dividend Platinum - $24,000 CL
Barclays Sallie Mae - $15,000 CL
Barclays NFL Extra Points - $7,000 CL
Penfed Platinum Cash Rewards - $7,200 CL
Penfed American Express - $18,000 CL
AMEX Blue - $9,100 CL
USBank Cash+ - $11,500 CL
BOA Cash Rewards - $11,000 CL

Total CL: $161,100

Current Credit Score:
Credit Karma - 757
Credit Sesame - 762
Experian - 772

Here are the cards that I'm thinking of signing up for:

Citi AA Executive Card - 100k bonus miles, $200 statement credit, $450 annual fee
Chase Ink Bold - 50k bonus points
Barclays Arrival World - 40k miles
American Express SimplyCash - $250 statement credit
CapitalOne Venture Rewards - 20k miles (missed the 50k mile bonus, but 20k is still better than nothing)

Any other card suggestions? Any tips or tricks? My plan is to pull the trigger tomorrow. My priority is the Citi card, since that gives the best rewards.
Discussion Deals
g: 0 Posted By: robronson
Views: 92 Replies: 1 I had $6k of SE income in 2013 as my sole source of income due to burning off a non-compete and taking a large chunk of vacation time. I expect to have $200k of SE income in 2014. However, that $200k is not guaranteed. It's on a contract with provisions that allow the client to terminate my services without cause at any time.

My concern is that I'll make $50k in the first quarter of 2014 and then make $0 for the rest of the year. I don't want to pay $20k in estimated quarterly taxes on April 15th 2014 on my $50k annual income.

I'd much prefer paying a larger estimated quarterly tax payment in Q3 and/or Q4 when I know my income more precisely. May I use my $6k figure from 2013 as my expected income for 2014? I imagine the IRS will scoff at that if I wind up making 30x that amount.

Any suggestions? I'm reading through IRS Pub 505 and 1040-ES this morning and it's not really clear. I do plan on maxing out an IRA and Individual 401k this year, so that makes things stickier. If I wind up only making $50k in Q1 and $0 the rest of the year, I'll owe almost nothing in taxes since I can do a Traditional IRA, I-401k plus employer contribution, standard deduction/personal exemption. I can't afford to give the IRS an interest-free loan of $20k for 1 year if my contracts fall through after Q1 because I'll need that money for living expenses the rest of the year.
Tax Deals
Starting an LLC: A Journal
Added on : Saturday February 08th 2014 04:00:05 PM
g: 0 Posted By: behr
Views: 7 Replies: 1 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).
Discussion Deals
PenFed - How long until you hear from them for a 5 Yr. ARM refi. app?
Added on : Friday February 07th 2014 10:00:15 AM
g: 0 Posted By: nitesbane
Views: 106 Replies: 0 Aside from reading that it takes a long time to close, couldn't get an answer on the forums to the question in the message title. I did the online application a week ago, got approved (80% LTV, no debt, > 680 credit score, great debt-to-income ratio, etc.), waited the two days, which was Tuesday, to hear something, and received no phone call. Waited two MORE days, nothing.

I called today early this afternoon to find out who my loan app is assigned to and found out that ithadn't even been touched yetby the loan officer. Is this normal? I don't see why a company would advertise a 24 to 48 business hour callback and not even have a person look at the loan by five days after that. Fine, you don't count Saturday or Sunday (even though oftentimes loan officers work on Saturday), three days after that.

It seems to me like it's not a good start if the process is held up so early on after an approval.
General Economics Deals
Vacant house next door: any opportunity?
Added on : Friday February 07th 2014 06:00:15 AM
g: 0 Posted By: bluegreenturtle
Views: 197 Replies: 5 We bought our house 10 years ago and had a very nice and cool neighbor next door who had lived there for decades and fixed his house up nicely, but about a year after we moved in, he decided to sell and move elsewhere. The house sold for $275,000 to a couple from CA. About 3 years ago they got into a disagreement and walked away from the house - one to another state and the other disappearing. I talked to one of them and she said that indeed they were walking away and leaving any equity they had. The house has been vacant ever since. About a year ago, finally somebody from the bank showed up and drilled out the locks and about once a month in the summer somebody mows the lawn and trims a little. I talked to the lock guy and he said that the mortgage was at least 3 years in arrears and so it was well past the point of forclosure. But there's been nothing - it's just vacant, and in fact the front door has no latch or locks on it. I went over there the other day and it's wide open - leaves in the living room from the door being open, bathrooms have been winterized but otherwise it's just empty. Absolutely no activity from anybody, the bank, whatever, since the locks got taken out - but the house is still in good shape. Market value is probably about $350,000, but they seem to have forgotten about this house. Is there anyway to buy it super cheap? There's no contact info anywhere. FOr the most part all of us neighbors have treated it respectfully - no squatters, nobody stealing stuff, the crazy car guy with 30 cars in his yard parked one in front of the house which is probably a good thing. Electricity is still on, which boggles the mind.

Don't expect there's anything I can do but thought I would type all this out because I think about it sometimes.

Real Estate Deals
g: 0 Posted By: latashiaholley
Views: 23 Replies: 0 Here is my situation...I make $75K per year. I have $38K in the bank and an equal $38K in student loans. I don't have any other debt, a minimal car payment and cell phone bill. Trying to consider how much to spend on a place as I am looking for a new apartment, too. I am currently contributing the max my employer will match in the 401k (they match 37% on the max 8% that I contribute). I hate having all this money sitting in the bank making absolutely NOTHING! Should I pay off student loans, invest, or are there other options I should consider? I am completely clueless on finances.

Additional Details:
I should probably have mentioned that my student loans are 6-7%. I am leasing my car so there is no loan/interest there.
Personal Finance Deals
Free Kindle Book - Critical Pursuit by Janice Cantore (was $13.99)
Added on : Tuesday February 04th 2014 08:00:15 AM
g: 1 Posted By: remick
Views: 269 Replies: 0 http://www.amazon.com/Critical-Pursuit-Janice-Cantore-ebook/dp/B...

4.5 out of 5 stars (58 customer reviews)

Officer Brinna Caruso has built a reputation at the precinct as the cop to call when a child goes missing. For Brinna, its personal because she was once one of them. Brinna and her K-9 search and rescue dog, Hero, will stop at nothing to find a missing child, no matter the stakes.
Detective Jack OReilly isnt ready to return to his homicide duties, after losing his wife to a drunk driver. Hes on the downside of his career, and bent on revenge, when hes assigned as Brinnas partner. While on patrol, Jack struggles between his quest for personal justice and his responsibility to those around him, especially his partner.
Skeptical of Jacks Motives, Brinna isnt sure she can rely on her new partner, whose reckless abandon endangers the safety of those around him. But when a man surfaces with an MO similar to the criminal who abducted Brinna twenty years earlier, Brinna and Jack must cast aside previous judgments and combine efforts to catch the kidnapper, and finally allow Brinna the peace stolen from her as a child.
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Amazon Coupons
g: 0 Posted By: remick
Views: 64 Replies: 0 Sixty Acres and a Bride
http://www.amazon.com/dp/B006G2YPDO

4.4 out of 5 stars (145 customer reviews)

Sensational debut Historical Romance Finds Love on the Texas Range
With nothing to their names, young widow Rosa Garner and her mother-in-law return to Texas and the family ranch. Only now the county is demanding back taxes and the women have only three months to pay.
Though facing eviction, Rosa can't keep herself from falling in love with the countryside and the wonderful extended family who want only her best. Learning the American customs is not easy, however, and this beautiful young widow can't help but catch wandering eyes. Where some offer help with dangerous strings attached, only one man seems honorable. But when Weston Garner, still grieving his own lost love, is unprepared to give his heart, to what lengths will Rosa go to save her future?



Moonlight Masquerade
http://www.amazon.com/dp/B00AHY0TTG

4.0 out of 5 stars (82 customer reviews)

Lady Celine Wexham seems the model British subject. French by birth but enjoying life in 1813 as a widowed English countess, she is in the unique position of being able to help those in need--or to spy for the notorious Napoleon Bonaparte. When Rees Phillips of the British Foreign Office is sent to pose as the countess's butler and discover where her true loyalties lie, he is confident he will uncover the truth. But the longer he is in her fashionable townhouse in London's West End, the more his staunch loyalty to the Crown begins to waver as he falls under Lady Wexham's spell. Will he find the proof he needs? And if she is a spy after all, will he do the right thing?
Ruth Axtell deftly creates a world where black and white burst into a confusion of colors and no one is who they seem. Readers will be hooked from the very first scene to the final page.
Books Deals

Amazon Coupons
Apt. 9 Solid Cashmere Sweater $37.50 at Kohl's
Added on : Monday February 03rd 2014 06:00:06 AM
g: -1 Posted By: ArtieLange
Views: 190 Replies: 0 Apt. 9 Solid Cashmere Sweater $37.50 at Kohl's

http://www.kohls.com/product/prd-1386568/apt-9-solid-cashmere-sw...

Expect nothing but luxurious comfort and style with this Apt. 9 sweater. Featuring a pure cashmere fabric, this women's supersoft sweater pampers your skin.Product Features

Scoopneck
Raglan long sleeves

Fit & Sizing

Ribbed trim

Fabric & Care

100% cashmere
Dry clean
Imported


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Kohl's Coupons
Vittoria Open Corsa Evo SC Clincher Road Tire $39.99 @ performance bike
Added on : Monday February 03rd 2014 06:00:05 AM
g: 0 Posted By: tedhawkins
Views: 152 Replies: 0 Vittoria Open Corsa Evo SC Clincher Road Tire $39.99 @ performance bike

http://www.performancebike.com/webapp/wcs/stores/servlet/Product...

Vittoria Open Corsa Evo SC Clincher Road Tire - Closeout!

The Vittoria Open Corsa Evo SC is nothing short of excellent. It features a uniquely supple 320 TPI cotton casing and a new, lighter puncture resistant belt that cuts flats by 40% over previous models. It is developed and produced under constant scrutiny in Vittoria's very own factory.
The only touch point a bicycle has with the road is the tires. The experience of a bicycle rise is therefore largely influenced by a tire. Grip, puncture resistance and the reduction of pace-slowing rolling resistance is key to any great road tire. Better make it count.


A fine, dense weave produces a high performing softer and more flexible casing
Outstanding handling and comfort
145 Max PSI
210 grams
Bicycle Deals

Performance Bicycle Coupons
g: 0 Posted By: jaymanthegreat
Views: 157 Replies: 0 10-Movie Princess Collection (Full Frame) $5.00

You Save: $1.95 (28%)

Movie Description:

"The Little Mermaid": The beautiful and adventurous mermaid, Princess Lena, lives with her family in a watery castle and has everything she could ever need, but she longs for only one thing: to explore the world of humans.
"Cinderella": Cinderella, the beautiful and kindhearted ragamuffin who lives with her greedy stepmother and two selfish stepsisters, charms a handsome prince when her fairy godmother sends her to the royal ball.
"Snow White": The loveliest girl in all the land, Snow White is hated by her wicked and vain stepmother, the Queen, who will stop at nothing to destroy her, but seven funny little dwarves become her happy new family.
"Sleeping Beauty": The beautiful princess Felicity is cursed by the wicked fairy Odelia, but her spunky godmother Primrose uses her own magic to make her sleep for a hundred years until awakened by a noble prince.
"Beauty and the Beast": When her father angers a ferocious Beast by stealing a single rose from his magnificent castle, Beauty must come to live with the Beast forever, but over time she learns to look past his appearance.
"The Frog Prince": Iria is nearing 18 and everyone fears her exceedingly finicky heart will keep her unwed and keep the kingdom from its future heir. Enter the frog. Sure, he's got the warts, but he is not your average amphibian.
"Pocohontas": The daughter of the great chief Powhatan is a brave Indian princess whose kindness brings about peace between her tribe and the English settlers led by handsome Caption John Smith.
"The Princess And The Goblin": When a peaceful kingdom is menaced by an army of monstrous goblins, a brave and beautiful princess joins forces with a resourceful peasant boy to rescue the noble king and all of his people. It's up to this pair to battle the evil power of the wicked goblin prince armed only with the gift of song, the miracle of love, and a magical shimmering thread that connects the princess to her wise old grandmother.
"The Little Princess": In Frances Hodgson Burnett's classic, scrappy young Sarah Crewe must attend the evil Miss Minchin's Boarding School for Girls, while her adoring father is seeking his fortune in an Indian diamond mine.
"Aladdin": With the help of the loyal Genie of the lamp, Aladdin woos the Sultan's beautiful daughter, Princess Leila, and builds a magnificent palace - but then the evil Haseem steals the lamp and the Princess, too.


http://www.walmart.com/ip/10-Movie-Princess-Collection-Full-Fram...
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Walmart Coupons
20% off entire purchase at Transit Tees
Added on : Saturday February 01st 2014 09:00:03 AM
g: 0 Posted By: Asucollege
Views: 199 Replies: 0 Nothing appealed to me but check it out for yourself.

(not sure if code is one time or not so good luck!)
20% off (expires 3/1/2014)

Link

Code: POLARVORTEX


Clothing Deals
accrued interest - tax question
Added on : Saturday February 01st 2014 07:00:09 AM
g: 0 Posted By: xerty
Views: 31 Replies: 0 Let's say I lend money to a business, and the interest compounds / accrues over time until some agreed repayment date far in the future. For example, I lend $100 at 10% interest, and in 5 years I expect to get paid $161.05 (=$100 * 1.1^5), so my $100 principle and another $61.05 in interest. In particular, during the first 4 calendar years I will accrue some interest, but not receive any payments. Assume both the lender and borrower are cash-basis taxpayers, and that there's no present concerns about collectability of the debt. Then,

1. when does the lender report the interest on his taxes?
2. when can the borrow take an interest expense deduction?

My best guess presently is that both 1 & 2 happen each year for the amount of the accrued interest, despite the fact that nothing has been paid out (again, barring doubtful debt issues). I found some discussion of this here:

http://www.journalofaccountancy.com/Web/20091558.htm

but would welcome other opinions or confirmation. Thank you!
Tax Deals
g: 0 Posted By: MISTERCHEAP
Views: 107 Replies: 0 you will need two computers to do this deal! DEAL VALID SAT 2/1 ONLY!!



4 prints of EACH coupon listed, also be sure to clip the savingstar offer for the Pillsbury Grands NOW!) www.savingstar.com



Buy 4 Pillsbury Grands! Biscuits, $0.98 each ($2.10)
Buy 4 Totinos Pizza Rolls, $0.99 each ($1.71)
Subtotal: $7.88 ($15.24)
-(4) $0.50/1 Pillsbury Grands Biscuits, any size/variety > coupons adjusted down www.coupons.com 77477 zip for all coupons shown
-(4) $1.25/1 Totino's Rolls Snacks > coupons adjusted down

Pay: Nothing
Get: $5.00 Catalina
Get: $0.40/3 any size/variety Pillsbury Refrigerated Grands! (SavingStar Deposit) (exp 2/28/14)
as low as FREE + $5.40 Money Maker after stacked offers

Boxed Meals & Side Dishes Deals
g: 0 Posted By: ultrancw
Views: 53 Replies: 2 I have a lot of cash in a Roth IRA just sitting there for now, earning nothing. Is there a ultra safe place to put it that'd get a return without loss of principle, besides a CD/Savings/Money Market, which all seem to pay < .05% right now?

If there's anything with say "virtually" no risk, what might that be?
Question Deals
Amazon MP3 Albums @ $1.99 -- around 20 older and newer pop/rock/hip-hop
Added on : Thursday January 30th 2014 04:00:06 PM
g: 14 Posted By: cogan
Views: 1911 Replies: 4 A bunch of old and new(ish) pop/rock/hip-hop albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
A Rush of Blood to the Headby Coldplay
Yeesusby Kanye West
Blak and Bluby Gary Clark Jr.
+by Ed Sheeran (yes, the album title is a "plus sign")

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by FW-user johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

P.S. A few not on the best-seller list when I put this together, also $1.99:
Eric Clapton Unpluggedby Eric Clapton
Radio Music Societyby Esperanza Spaulding (she's the spirit of music of our age)
Radio Music Society Deluxe Editionby Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
Save The Internet Sticker- Net Neutrality Matters! FreePress.net
Added on : Thursday January 30th 2014 03:00:12 PM
g: 0 Posted By: FrugalFreak
Views: 99 Replies: 0 "Show Your With This Free Sticker!, Everything we know and love about the Internet is at risk thanks to the recent court decision that gutted the Net Neutrality rules. But the Federal Communications Commission could take immediate action to change all this and protect the Internet once and for all.Free Press is offering this lovely free sticker to anyone who wants to join this fight. Just fill out the form to the right and then let your friends know you support Net Neutrality by sharing this on Facebook,Twitterand wherever else you spend your time.We know that nothing will happen unless we make waves, make noise and pressure policymakers to do the right thing.Lets plaster the nation with these stickers and show our love for the Internet."

Save Net Neutrality
Home, Auto & Pets Deals
Amazon MP3 Albums @ $1.99
Added on : Thursday January 30th 2014 05:00:15 AM
g: 9 Posted By: cogan
Views: 1086 Replies: 4 A bunch of old and new(ish) pop/rock albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
A Rush of Blood to the Headby Coldplay
Yeesusby Kanye West
Blak and Bluby Gary Clark Jr.
+by Ed Sheeran (yes, the album title is a "plus sign")

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by FW-user johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

Enjoy.

P.S. A few not on the best-seller list, also $1.99:
Eric Clapton Unpluggedby Eric Clapton
Radio Music Societyby Esperanza Spaulding (she's the spirit of music of our age)
Radio Music Society Deluxe Editionby Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
Be careful of Chase AutoPay if you change statement date
Added on : Thursday January 30th 2014 04:00:19 AM
g: 10 Posted By: jcaserta
Views: 1618 Replies: 21 Original Post:
I just happened to by chance look at my Amazon Visa statement and noticed that they charged me interest even though it's set up with Chase to automatically debit the full balance every month. Looking back through the statements I had a payment due date of 12/25 for my November statement. November statement says clearly that it will be paid in full via autopay on the due date. Next statement there's no payment, so I get charged interest. I'm guessing the system got confused because that's obviously christmas.

Interestingly there's no late charge so I'm confused how that happened. Just interest charges, as though the minimum balance was paid or something even though no payment was made at all.

I sent a secure message to chase, I assume they won't have any issue crediting the interest back, but only because I saw it. Very easily could have missed it which is why I'm giving the heads up.

Update 1/30:
Chase got back to me and said the holiday had nothing to do with it, but it was the fact that I had changed my statement date. This caused the autopay to not take place and the interest charges to accrue. I had been trying to balance my CC payments more throughout the month. So moral of the story is with Chase if you change your statement date be super vigilant about making sure the payment goes through correctly. After calling it to their attention they credited all the interest back to me.
Credit Deals
g: 0 Posted By: cogan
Views: 194 Replies: 0 A bunch of old and new(ish) pop/rock albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
Yeesusby Kanye West

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

Enjoy.

P.S. A few not on the best-seller list, also $1.99:
Eric Clapton Unplugged by Eric Clapton
Radio Music Society by Esperanza Spaulding
Radio Music Society Deluxe Edition by Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
Free Kindle Fire HD for opening a Key checking account w/ $500 DD
Added on : Saturday January 25th 2014 04:00:03 PM
g: 0 Posted By: palmpilot
Views: 196 Replies: 2 https://www.key.com/personal/promotions/dda/fire-all.jsp

Has a few hoops to keep the account free but nothing too crazy.

Need to keep the acct open 6 months, else $25 fee applies.

Expires 2/28/2014
Deposits Deals
As a landlord, what should I do after filing Eviction in TX?
Added on : Friday January 24th 2014 07:00:08 AM
g: 0 Posted By: newbielandlord
Views: 57 Replies: 1 This is my first post. Please be easy on me.

Purchased a rental property in November 2013 and leased it for 10 months term.
Received one month security deposit and one month rent when tenant moved in.
Tenant has to pay rent on December 1st but paid in installments up to 80% of monthly rent so far.
Now it is January and tenant only postponing the rent whenever I asked. Nothing paid towards rent of January.
Gave notice to vacate in the middle of the month and after a week I filed eviction suit (In Texas, we have to wait for filing eviction 3 days after giving the notice to vacate).
Court trial is scheduled in middle of Feb (which is three weeks from now)

This is my first rental property and the tenant stopped paying from the first month itself. Now, the followingare the mistakes I did.
1) Tenant confirmed that he has some credit issuesin lease application, I never ran credit check or eviction record check.
2) I believe tenant can pay my rent (now, I feel so stupid for that assumption) and I let him in with security deposit of just one month's rent.
3) Waited to so long to file eviction suit.

I communicated tenant that I am filing eviction and offered to work with him to avoid that by offering him multiple options such as accepting rent in installments, even reducing rent etc. I also offered him that if he vacate immediately I can release him for lease (in other words, he is not responsible for rest of the lease term). Basically I asked him to either pay rent or to vacate thinking that this is 'WIN-WIN' for both of us under the current scenario.

Tenant can get away from early termination and I can get my house back and can put that back in market to avoid further losing money.

Tenant is rather interested in staying in this house as long as "legally" possible even though it means he and his wife will get eviction record on their public records. Now we are in 'Loose-Loose' situation.

Tenant will get eviction record in their record and I lose money until they vacate (I am not sure if I can collect the rent overdue from them after they vacate since it is proven that they do not care their credit rating as of now)

Since I filed eviction, now I do have lot of questions concerning me.

1) I have not used attorney for filing this eviction. Do I absolutely need one or am I OK filing this on my own?
2) Is there anything I should do now before trial?

I know I have to be careful before leasing itself but we can't change the past so at least trying to be careful in terms of my future actions.

Gurus, Please let me know your thoughtsand do not hesitate to ask me questions if you need any additional questions around this. Thanks you for your time...
Personal Finance Deals
Hamilton Beach Brands K2070 1-Qt. Electric Kettle, $9.89 @Amazon
Added on : Thursday January 23rd 2014 10:00:11 AM
g: 1 Posted By: babyjohn
Views: 204 Replies: 1 Nothing amazing, but it is the lowest price ever on Amazon.

Amazon
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Annoying Popups on Fat Wallet Finance
Added on : Wednesday January 22nd 2014 01:00:13 PM
g: -3 Posted By: cak144
Views: 100 Replies: 3 For the last several weeks I have been getting random annoying popups on Fat Wallet Finance. It just happens randomly when I click on a thread to start viewing the posts in that thread. I just got one now that asked me to take a survey. The popup window specifically had FatWallet.com in the popup although the survey had nothing to do with FatWallet. Is anybody else getting these annoying popups?
Question Deals
Remove authorized user makes account go away for them?
Added on : Wednesday January 22nd 2014 08:00:11 AM
g: 0 Posted By: dougan778
Views: 111 Replies: 2 My fiance has me on her credit card as an authorized user on a new card with a low credit limit. She missed a payment by accident, late by a couple days, which sucks, because she's usually good about that... Anyway, if she removes me as an authorized user from that card, does that card disappear from my report completely? My credit limit is high and I just got a huge CLI so I'm not worried about the impact of losing that credit line. More worried about having a late payment impact my credit score.

Thanks, and sorry for asking a question that has probably already been answered. I looked all over and strangely found nothing.
Credit Deals
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
Rite Aid 1/19 - 1/25
Added on : Sunday January 19th 2014 10:00:06 AM
g: 0 Posted By: melachri
Views: 52 Replies: 1 Didn't see a thread for this week yet, so I'll start one.

Biggest deal for me was the Post Great Grains cereal (because my wife LOVES this stuff) 2/$6 - $2 +Up nets $2 per box even without coupons (couldn't find any). Bought 4 and was surprised with an unadvertised catalina for a free gallon of milk (up to $4). And got $12 towards +Up RG.

Also a good deal is Physician's Formula cosmetics buy $15 - $10 +Up. Couldn't find any current coupons.

And Mennen Speed Stick (and Ladies) 2.99 - 1 +Up. Use the B1G1 in today's SS, plus a $1.50 catalina from a few weeks ago (exp 7 Feb). $0.51 MM plus $5.98 towards +Up RGs.

Nothing else that really excited me, though.
Grocery Deals
Points cards vs CashBack cards
Added on : Sunday January 19th 2014 08:00:10 AM
g: 0 Posted By: Treefarn
Views: 108 Replies: 2 I am wondering what the advantage is of Points Cards over CashBack cards. If you are a 'regular' flyer, do you end up getting more % off using points rather than CashBack? The reason I ask....

Since I met 17 years ago, I have been on an airplane once because she doesn't like flying. So while I have a lot of 'CashBack' cards (the 5% rotating ones & Amex Blue), I only have one card that will give me any kind of points towards airlines or travel, the Capital One Venture card. Knowing I would have to travel in the next year, I got this card last month for all those purchases that don't fall into one of the rotating categories, since it would give me 2% on the 'other', rather than the 1% on my Amex and BOA cards. But I know NOTHING about points/mileage cards - never researched them because there seemed to be little point.

We just found out that in late August we will have to fly to California. I will need to purchase 3 tickets from Philly to SF (or nearby) So, my question, is it worth getting another card at this point that might give me more of a discount, or is it too late, knowing I will have to buy my tickets within the next few months anyway. I'm just not sure where to start.
Personal Finance Deals
g: 0 Posted By: remick
Views: 200 Replies: 0 http://www.amazon.com/gp/product/B00HG2S6GA

4.8 out of 5 stars (5 customer reviews)

Nothing is more valuable than your reputation. Yet the Internet can destroy your reputation in an instant. And there is NOTHING you can do about it. Or is there?
The fact is you can FIX your online reputation using a few simple strategies.
You do NOT need a professional Reputation Management Service who will charge you as much as $5,000 to $10,000 per month.
Save time, save money, and Manage Your Online Reputation and repair your online rreputation when you use these PROVEN do-it-yourself Reputation Management techniques.
You dont need to be an Internet Whiz.
ANYONE can manage their online reputation NOW using the checklist and easy to follow steps that I detail in my new book: Do-It-Yourself Online Reputation Management Workbook."
You can use these same Internet techniques to enhance your reputation online.
Learn everything you need to know to expertly manage your online reputation in a step-by-step easy to read and easy to follow workbook format.
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g: 0 Posted By: remick
Views: 123 Replies: 0 http://www.amazon.com/gp/product/B00HOG9BT4

5.0 out of 5 stars (7 customer reviews)

Would you love to create great tasting soups from scratch but think there is some mystique to soup making?
Well think again. Nothing could be easier to make without recipes than soup.
Making soup is very easy
Making soup is very creative
Making soup is very inexpensive
Making soup from scratch is fun

These are four very good reasons to jump in a start creating your own soup masterpieces without recipes. Open your mind, create some original soups and impress your family and friends with your new talent. Homemade vegetable soup, chicken noodle soup, fresh tomato soups are just some of the soup classics you can put together with very little effort. Whether you choose traditional methods or the more up to date crockpot, any soup you decide to make will come out perfectly when you follow these simple directions.

Everything you need to know about soup making, from making your own stock to stocking your cupboards is discussed in detail.



Top 30 Soup Recipes For Everyday Eating: Latest Collection of Healthy, Popular And Mouth-Watering Soups For Everyone
http://www.amazon.com/Soup-Recipes-Everyday-Eating-Mouth-Waterin...


Fresh and Fast Soups Made Easy - 25 Soul-Satisfying Vegetarian Soups Almost Everybody Loves
http://www.amazon.com/Fresh-Fast-Soups-Made-Easy-ebook/dp/B005OT...


The Slow Cooker Soup Cookbook
http://www.amazon.com/Slow-Cooker-Soup-Cookbook-ebook/dp/B00HVLR...

Totally Free Deals
Laid off with no warning - Options?
Added on : Thursday January 16th 2014 07:00:18 AM
g: 0 Posted By: Muscle
Views: 293 Replies: 10 I was doing IT work for a company and go laid off a couple days ago with no warning. Here's the relevant info:

- I did my job. No complaints, no rule breaking, no nothing.
- I was told it was because they 'ran out of money'. I'm not the company accountant, but I know the business operations and there was a ton of incoming business shortly prior to my termination, so I don't believe this.
- No warning, no 2 weeks, no severance pay. Just a text message saying 'I'm running out of money and have to put everything on hold'.
- I didn't have benefits besides paid vacation time.
- I was a full time employee paid a salary.
- I have a signed 1 page contract that lists my weekly pay and expected work hours (40) along with the vacation package. It doesn't mention a contract duration, but it doesn't mention 'at will employment' either.

Besides finding another job, I'd like to know what my IMMEDIATE options are with regards to:

- Severance pay, if any.
- Government financial aid, if any.

I should re-iterate that this was NOT willful termination.

Appreciate any help. Thanks.
Personal Finance Deals
g: 0 Posted By: heyyl0w
Views: 257 Replies: 0 Newegg has the Opteka 0.35x HD Wide Angle Fisheye Lens for Canon EOS DSLR Camerasfor $19.99 with free shipping. Review: Amazon


The new Opteka High Definition .35x Ultra Wide Angle Fisheye Converter Lens increases the versatility of your existing lens to provide breathtaking ultra wide angle views. And it's so easy to use! Additionally the built-in detachable macro lens allows you to take extreme high resolution close-up shots! Nothing changes the way you see the world like High Definition and no company does High Definition like Opteka. Opteka's glass optics define High Definition. Change the way you view the world. Enjoy outstanding detail, enjoy enhanced clarity, enjoy Opteka!

Opteka .35x HD Super Wide Angle Macro Fisheye Lens. Direct 52mm mount; Adapters for 58mm included.
High Definition - 2 times the resolution of standard high definition lenses
Professional High Speed Auto Focus, Full Panoramic Capability, High Quality Crystal Optics, & AF Infrared Compatible
Lens front Thread 67mm, 8 Element Lens, 180 Degree Capability

SLR & dSLR Deals

Newegg Coupons
USBank ATM issue -- is this fair banking?
Added on : Tuesday January 14th 2014 08:00:05 PM
g: 0 Posted By: ptiemann
Views: 65 Replies: 2 I deposited 3 checks last week Thursday at an USBank ATM inside a supermarket. The teller was on a phone call with a customer going through items on a bank statement, so I figured, why not use the ATM, what could go wrong.

1 check was a cashier's check ($825)
1 was a money order ($58)
1 was a personal check ($108)

the ATM had trouble with the last check which was handwritten, and the teller got off the phone, so I figured I cancel the transaction and deposit it with the teller.

You all know what comes now - the ATM has a paper jam and did not return the checks. It asked me 'how much did you try to deposit?', I answered $991 and it printed some receipt for me over $991 failed deposit.

Talked to the teller.

Teller says, 'yeah, I know, someone put in too much cash earlier and messed up the machine'
(why did they not lock down the deposit function then???)

He fills out an application and I will get a temporary credit ... AFTER 10 DAYS!
Supposedly they are going to call me in their investigation. I told him I'm rarely able to take calls, and rarely will take calls from 800 numbers.
It will take 60 to 90 days to investigate this deposit!

I told him I expect a credit in 10 minutes. He repeated it's UP TO 10 days. Well, it's been 5 days so far (calendar days) and I cannot even see anything on their web site indicating that they are doing anything in this matter.

I really wonder if the 10 days delay (probably 2 calendar weeks) is acceptable.

Obvious lesson is to avoid this type of transaction.

Really annoying since 2 of the 3 items were certified funds; I cannot just go to the other party and ask for a new check. I have typically $5k to $10k with them, so $991 is nothing extraordinary.

Added:
Tried calling them this evening.. 'too many calls at this time, we cannot take your call, try again later', and I don't find time in the day to call them... I guess I just wait 10 days.
Nothing Bundt Cakes BOGO bundlet In-store. (Back Again) exp 1/18
Added on : Tuesday January 14th 2014 10:00:05 AM
g: 1 Posted By: TeamAllen
Views: 156 Replies: 0 Back by popular demand!
Valid in bakery from 1/13-1/18/14. Limit one free bundtlet per guest. Valid at participating bakeries. No cash value. Not valid Sunday. Not valid with any other offer.
http://www.nothingbundtcakes.com/resources/dyn/files/1146235zabb...
Locations:http://www.nothingbundtcakes.com/location-search
Restaurants & Entertainment Deals
negotiating billboard rates with Lamar Billboard ads
Added on : Monday January 13th 2014 07:00:08 PM
g: 0 Posted By: junkmailncrap
Views: 74 Replies: 0 I inherited a billboard contract with Lamar Billboard Advertisement company worth $1000 a year when I purchased a small commercial property last year. I have no idea what these billboards are worth in los angeles. The only way I've been able to communicate with Lamar is via email and i don't want to loose what little I have. How would someone with advertisement space go about making money? Should I raise their rent every year by a certain percentage? Nothing comes up with I try to google this matter. Please help!
Question Deals
New Home Mortgage
Added on : Monday January 13th 2014 05:00:08 PM
g: 0 Posted By: bobaldie
Views: 94 Replies: 0 Wrote a contract for my first new construction home which to be delivered in July. I thought i can apply loan in Mar - April and will have time to get my finances in order but to my surprise the builder said during signing that i need to get a loan commitment with in 30 days. Hmm not sure if that could put me in fix.

1) --> Spouse is W2 employee so income verification is easy, hmm wait spouse current job ending and new job starting Feb 1st (right about the time we might start loan application process). Actually its nothing but re-badge at same work place but with different company. How to handle it during application process?
2) --> I am W2 in our company(S Corp) which is held 100% in my spouse name, I am an IT consultant and i have two others i placed at client so that is the revenue to our company. Now while applying .. do I mention as self employed or W2?
3) --> I draw 75k salary so if i say I am W2 my income shows only that. But having paycheck coming from company with same address as my home address would raise questions? And again if they ask for HR reference what should i do .. give my spouse name ?
4) --> Probably both the W2s put together mayn't be sufficient for the home loan so we may have to put forward the company income for consideration. I heard from many that showing income from business would complicate things by large and one should avoid .. but if we have to show that income .. what to expect? Just additional documentation or its going to be gruesome grilling? What documentation would they ask?

5) While my company is established in 2008, income generation came , after i converted to independent, since 2011. Would that be sufficient history?

6) I had to transfer big chunk from business to personal account and that could definitely raise quires hence we will be forced to disclose business. If business income is considered, plenty of cushion for approval.

Twist 2) I have 2 rentals in my name and spouse has one rental and one primary. Plan to convert this primary into rental when we move.
This new house will be held in both our names - first time. Any issues in obtaining a fifth loan altogether?Any pointers on how to approach.

Am bit unclear on how they treat our rentals during loan qualification process...any pointers? all 3 are occupied with 1 coming for renewal next month and other two in following 2 months. Our current primary will be rented only after we move out. so how all these will be treated for financial burden calculations..


Real Estate Deals
ShareBuilder - How To Sell Stocks (close account) ?
Added on : Sunday January 12th 2014 08:00:09 PM
g: 0 Posted By: kahawken
Views: 20 Replies: 0 I've had a ShareBuilder account for a number of years with minimal monies. I know little to nothing about investing. I would like to close accounts (3 stocks), and assume I need to sell each of them at $6.95 each. Not sure if that's the best way or withdraw the cash balance. In doing so, the 3 stock accounts will still be open, correct? Total account value: $275 and Cash Balance: $126. Bottom line is I would like to get out and be done with ShareBuilder but would rather see what can be done to avoid if possible $6.95 for each stock.
Question Deals
Would a tax advisor do me any good?
Added on : Saturday January 11th 2014 01:00:10 PM
g: -1 Posted By: don2jr
Views: 65 Replies: 0 Hi, Sorry I had to use an alternate ID but I am on FW frequently and wouldn't want this one traced back to me.

My income was $360k in 2013 and will be higher in future years. That is salary plus bonus for a regular employer where I have no business-related expenses, etc., I can write off. My wife earns about $85k. We have 3 kids, 2 of them from other marriages where we alternate deductions according to our divorce agreements. We have good-sized 401(k)s (total probably $500k), a few cars, and some money in the bank, but nothing substantial in the way of other investments and don't own property other than our home. I pay an amazing amount of taxes every year and currently just use TurboTax or another online service to complete our taxes. I was considering whether an accountant or attorney could give me any advice to help me reduce my tax load, but what would not be helpful are (1) investments (I want to work on paying our house off before putting a lot of money in investments other than the 401(k)s), (2) businesses/expenses, (3) investment property, etc. My thought is all of my income is on my W2, the AMT will likely apply, and there probably aren't any "secret" deductions or strategies that would do any better than a standard online TurboTax form. Can anyone more knowledgeable confirm?

Thank you.
Tax Deals
ON SALE: Juicy Couture - Flip Flop Charm
Added on : Friday January 10th 2014 09:00:13 AM
Nothing says California livin» like a sassy couture flip flop. Add one to your favorite charm bracelet or necklace, symbol of an eternal summer.
Stock up Xmas wrapping paper $.25 per roll @ Walgreens YMMV
Added on : Thursday January 09th 2014 09:00:04 AM
g: 0 Posted By: thx
Views: 87 Replies: 0 While shopping at the local Walgreens today, all rolls of holiday wrapping paper were just $.25 each. The rolls were different sizes (50, 65 or 80 sq. ft.) and styles, nothing real fancy, Not sure if this is at all stores, but it is way cheap enough for stocking up for next Christmas.
Home & Garden Deals

Walgreens Coupons
g: 0 Posted By: sams1997
Views: 305 Replies: 0 Nakamichi Over The Ear Headphones - Black $3.00with free pickup in Sears stores ... YMMV on available store locations

Description Item # 05727011000P Model # IP850 Nakamichi fashion headphones.
Speaker size: 40mm
Frequency response: 20 to 20,000 Hz
Sensitivity: 98 3dB
Impedance: 32 ohm 15%
Cord length: 1.5m 10%
Plug: 3.5 mm
*Microphone

http://www.sears.com/nakamichi-fashion-headphones-black/p-057270...

nice to have an extra set of headphones around ... great for younger kids as the price is right! Hey, my teens might use it as well, as it's better than nothing!

Happy New Year to all FWers!!!!

Headphones & Speakers Deals

Sears Coupons
Nothing Bundt Cakes BOGO bundlet In-store
Added on : Tuesday January 07th 2014 08:00:04 AM
g: 0 Posted By: TeamAllen
Views: 91 Replies: 0 Valid in bakery from 1/6-1/11/14. Limit one free bundtlet per guest. Valid at participating bakeries. No cash value. Not valid Sunday. Not valid with any other offer.
http://www.nothingbundtcakes.com/resources/dyn/files/1141631z360...
Locations:http://www.nothingbundtcakes.com/location-search
Restaurants & Entertainment Deals
Social Security Assigned Same SSN to two people
Added on : Tuesday January 07th 2014 06:00:18 AM
g: 0 Posted By: mamamouse
Views: 21 Replies: 0 Husband was born in Jacksonville, FL in 1985. Another man with same first and last name, born on same day in Miami, FL. When husband was five his parents found out that the Same SSN was issues to both boys. SSA told my in-laws to keep SSN and assigned other guy a new one. When the other man turned 18, he started using my husbands SSN for everything and racked up tens of thousands in debt. We have worked for years on it to no avail. Went to pull credit report today and we can't answer verification questions correctly (because its not his info being asked about...) so can't pull report. Where in the world do we start??? Appears based on verification questions that the other Aaron opened a mortgage 2 months ago using my husbands SSN. We are at a loss, no money or a lawyer, and desperate to get this rectified so we can move on with our lives. Can't get a house or a car. Husband graduates college in 9 months and I'm terrified this will effect him finding a job. We have filed with police, alerted credit bureaus, and made a complaint with the FTC yet nothing had helped and he is still using my husbands SSN. What would you do?
Personal Finance Deals
g: 0 Posted By: slervik
Views: 127 Replies: 0 Amazon currently has the Green Day "American Idiot" 2LP Vinyl on sale for $7.99 with Free Super Saver Shipping on orders over $35.

This purchase also includes a FREE MP3 album of American Idiot as well.

Note* Temporarily Out of Stock, BUT..you can still buy it and they will e-mail you with the estimated shipping date. Nothing will get charged to card until item ships.

​AMERICAN IDIOT LINK
Music Deals

Amazon Coupons
"Brown Gold" brand K-Cups ~44 cents each AC on Amazon
Added on : Monday January 06th 2014 03:00:07 AM
g: 0 Posted By: StudlyDego73
Views: 208 Replies: 0 So I was looking for a deal on Marley brand K-cups (my current favorite) and saw Brown Gold K-Cups have a 20% coupon you can "clip" on them bringing them down to around 50 cents each. I've heard fairly positive things about them, so I bought the variety pack of 36 100% single origin cups for $15.99 shipped with Prime.

Brown Gold

For what it's worth, certain Marley kcups have a 15% coupon you can clip-- specifically the 'Get Up Stand Up' and the 'Lively Up Espresso Roast'. I haven't tried either so I ordered a box of these as well, though I think it'll be hard to beat the Blue Mountain and Ethiopian Marley's (which I got via the Office Depot kcup deal around thanksgiving).

Marley

Note: It would only apply the discount to 1 box of each kind in my cart and limited my account to one use. Still, better than nothing, especially when I'm new to the brand and just trying it out. There are better deals out there to be had probably, but this is easy and I'm lazy. So hitting 50 cents or less with little to no work is perfect for me.
Grocery Deals

Amazon Coupons
g: 1 Posted By: cogitovici
Views: 268 Replies: 0 I did not see this get posted yet. Costco had it for $229 on BF, I think, then MS had it for $99 and $199. I decided not to get it then wished I had, though some reviews say Dell is dumping these because they are no good, but I decided to grab one today at Staples. On sale this week for $249.99.

CES is this week, so I am leaving it in the box to see if there are any better 8" WIN 8 tablets on the horizon. I bought a Nokia 521 to fool around with and thought this would add another dimension to that and my wife's WIN 8 desktop. We will see, though she seems to want nothing to do with this or the 521.

Just another toy. Anything better out there right now? I have a 2012 Nexus 7 that works pretty good but thought I'd mess around with the WIN 8 ecosystem.
Windows Tablets Deals

Staples Coupons
g: 1 Posted By: remick
Views: 248 Replies: 0 What Are You Afraid Of?: Facing Down Your Fears with Faith
http://www.amazon.com/What-Are-You-Afraid-Facing-ebook/dp/B00CH7L73I

4.7 out of 5 stars (42 customer reviews)

What Are You Afraid Of?
What is it that immobilizes you? What is stealing your joy and destroying your hope? What is robbing you of sleep night after night? What keeps you from living by faith and taking risks? What keeps you from giving your life wholly to a loving God who wants nothing but the best for you?
Regardless of your answer to these questions, one thing is absolutely certain: God is the answer to all your fears.


Through the Psalms with Derek Prince
http://www.amazon.com/Through-Psalms-Derek-Prince-ebook/dp/B002QMLEPU

4.9 out of 5 stars (9 customer reviews)

No literature in the world excels the psalms of David in their ability to provoke the human soul to meditate on the deepest and most abiding truths of God.
In this daily devotional, Derek Prince unfolds the multifaceted Psalms, which are at once deeply emotional and thoroughly practical. These eternal songs are a springboard to authentic worship and a glimpse into the heart of David's Father-and yours! Prince illuminates the Psalms through 101 engaging meditations, each based on a specific passage and theme and concluding with a one-sentence faith response for focus and application.



There Is More!: The Secret to Experiencing God's Power to Change Your Life
http://www.amazon.com/There-More-Secret-Experiencing-Change-ebook/dp/B00AHY0RNY

4.5 out of 5 stars (53 customer reviews)

God is not a God of carefully measured handouts. He longs to give you more--as much as you're willing to receive.
Books Deals

Amazon Coupons
90% off Christmas Trees, Wreaths, Costumes & Decor at toysrus.com
Added on : Sunday January 05th 2014 07:00:07 AM
g: 6 Posted By: gizmo
Views: 908 Replies: 12 no time to list all -start browsing.. selling out fast!
Free shipping w/$49 but does not apply to everything, nothing seems to be SR eligible

EDIT. I thinkthis is a better link
Decor Deals
90% off Christmas Trees, Wreaths & Decor at toysrus.com
Added on : Sunday January 05th 2014 06:00:04 AM
g: 2 Posted By: gizmo
Views: 301 Replies: 3 no time to list all -start browsing.. selling out fast!
Free shipping w/$49 but does not apply to everything, nothing seems to be SR eligible
Decor Deals
Commuting/Travel Expenses - Tax Deductible?
Added on : Saturday January 04th 2014 06:00:07 PM
g: 0 Posted By: supersnoop00
Views: 94 Replies: 1 I expect I'll need to pay a professional to advise on this issue, but I'm hoping some folks here can point me in the right direction first.


My wife is about to receive her PhD; she already defended, so she just needs to file and walk across the stage. She's hoping to get a job teaching at a university. This coming semester, she's taken a position teaching at a school about 200 miles away from where we live. They've scheduled her to teach two classes, one at night and another the next morning, so she'll be spending the night away from home. Is there any way to structure this arrangement to allow deduction of travel/commuting expenses for tax purposes? My research so far indicates that the job location would be her "tax home," and therefore nothing would be deductible. If, however, we set up a "home office," that might become her tax home. I think any expenses would have to exceed 2% AGI before anything can be deducted.

What is required in order to make these expenses deductible?
Is there a way to deduct all expenses, or only those above 2% of AGI?


To make things more complicated, many of the jobs she's applying for next academic year are only one or two year appointments. They would probably require her to maintain an apartment or other living arrangement in a city much farther away. She'd spend most of her time there, only coming home every other weekend and on school breaks. This living arrangement would, no doubt, complicate things even more for tax purposes, but would also be much more expensive, thus more worthwhile to find a way to deduct the commute.

Would the expenses in this scenario be deductible at all?

Tax Deals
Help! Can't print coupons.com on Mac desktop (osx 10.6)
Added on : Thursday January 02nd 2014 08:00:09 PM
g: 0 Posted By: PutThatCoffeeDOWN
Views: 71 Replies: 0 Can't print on any browser (Safari, Chrome, Firefox). I put plugins into respective folders and nothing. Every time I try to print, I am either asked to download the coupons.com software (which has done been already) or add the coupon plug-in as a trusted app, but my settings pane doesn't allow this. I've also switched from 64- to 32-bit mode as other forums suggested this.

No luck so far and hope someone here can chime in.
Printable Coupon Deals
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
Resign or wait for layoff or be fired?
Added on : Thursday January 02nd 2014 08:00:11 AM
g: 0 Posted By: W7414
Views: 328 Replies: 14 In a recent re-org my job role was changed (same salary of $120K) and was told that the re-org did not have any RIF (Reduction in Force). I now report up thru someone who I have had tiff with previously. A few days after the re-org, I was told that my job role changed because apparently I told my direct report what to do, instead of teaming up with them on what needs to be done. I couldn't recollect a situation when this happened, but I didn't want to argue, knowing who I report to now. I was also told that I can accept my changed role and be happy about it or keep fuming about it.

Since the reorg, there is almost no work coming my way and the ones I get are things that others don't want to do - like being a silent scribe in the meetings, where I used to run similar meetings and be a big contributor.

Its hard coming to work everyday on time, do nothing and leave, but I am trying to think of this as a business decision and not get emotional about it. I am working with senior management of a different company towards a new job role (being carved out for me) that I expect to materialize in the next 8-10 weeks.

Based on the company's policies, if they lay me off, they will have to pay closer to $60K as severance. My preference is to get laid off, given the current situation. My formal performance review is coming up in the next 5 weeks and I know they will come out and say I am not meeting their expectations.

Is there anything I can be doing to prevent me from getting fired for the next 8-10 weeks. Is there anything I can be doing so they will lay me off?
Personal Finance Deals
Child/Kid/Baby/Newborn Roth IRA Contribution $399 Per Year
Added on : Tuesday December 31st 2013 04:00:08 PM
g: 1 Posted By: theorca
Views: 72 Replies: 0 Facts
* Roth IRA contributions are limited to earned income.
* Earned income includes net earnings from self-employment.
* There is no self-employment tax on net earnings from self-employment under $400.
* You do not have to file a federal return if net earnings from self-employment were under $400.
* You do not have to file a federal return, as a single dependent, if your earned income was under $6,100, or your gross income was less than the larger of $1,000 or earned income (up to $5,750) plus $350.

Plan
Have your child perform self-employment work for you. Pay your child $399 per year for this work. Leave a paperwork trail (i.e., canceled checks). Your child does not have to file a federal return and does not have to pay federal self-employment tax. Issue your child a 1099-MISC for $399 per year to demonstrate earned income sufficient to permit a Roth IRA contribution. Contribute $399 to a Roth IRA every year. You can still claim your child as a dependent.

Downside
Even though the amounts are small, the compensation to your child would need to be legitimate and for something. Also, again, even though the amounts are small, because the earned income comes from net self-employment earnings (as opposed to wages that require a lot of paperwork), there could be a question about whether your child's work (and thus compensation) is really in the nature of self-employment vs. employment.

Furthermore, as the goal is to permit Roth IRA contributions and nothing more, to avoid questions about whether paying your child $399 per year constitutes a legitimate business expense, you could add $399 per year to your business' gross receipts and thus neuter the $399 business deduction. For example, if you own a lawn care business, you could pay your business $399 to mow your lawn and then pay your child $399 for mowing the same lawn.

Then again, perhaps the parent does not own a business, in which case he simply issues the child a 1099-MISC using his Social Security Number as the payor, without involving any business or Employer Identification Number. Again, the parent must actually be compensating the child for something.

An amount greater than $399 can be accomplished if the parent is willing to treat the child as an employee and deal with the associated paperwork (the upside is that there are federal employment tax savings for hiring family).

Is It Worth It?
$399 per year annually compounded at 8% over 21 years is $20,778.94. Assuming no further contributions after 21 years, the $20,778.94 becomes $451,412.53 after 40 additional years (age 61).

Your monthly deposit of $33.25 for 20 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $399.00.

Year...Balance
1...$844.35
2...$1,325.32
3...$1,844.77
4...$2,405.78
5...$3,011.67
6...$3,666.03
7...$4,372.74
8...$5,135.99
9...$5,960.29
10...$6,850.54
11...$7,812.01
12...$8,850.40
13...$9,971.86
14...$11,183.04
15...$12,491.11
16...$13,903.82
17...$15,429.55
18...$17,077.34
19...$18,856.96
20...$20,778.94

Your monthly deposit of $0.00 for 40 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $20,778.94.

Year...Balance
1...$22,441.26
2...$24,236.56
3...$26,175.48
4...$28,269.52
5...$30,531.08
6...$32,973.57
7...$35,611.45
8...$38,460.37
9...$41,537.20
10...$44,860.17
11...$48,448.99
12...$52,324.91
13...$56,510.90
14...$61,031.77
15...$65,914.31
16...$71,187.46
17...$76,882.45
18...$83,033.05
19...$89,675.69
20...$96,849.75
21...$104,597.73
22...$112,965.55
23...$122,002.79
24...$131,763.01
25...$142,304.06
26...$153,688.38
27...$165,983.45
28...$179,262.13
29...$193,603.10
30...$209,091.34
31...$225,818.65
32...$243,884.14
33...$263,394.87
34...$284,466.46
35...$307,223.78
36...$331,801.68
37...$358,345.82
38...$387,013.48
39...$417,974.56
40...$451,412.53

Final Savings Balance: $451,412.53
Investing Deals
Best Vehicle for Driving 20k-30k Miles Per Year
Added on : Monday December 30th 2013 06:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 0 Replies: 0 Hello All, who doesn't love a good random vehicle question? I'm considering taking a new job where I will be traveling extensively all over the United States and on the road almost all the time. I've spoken to people who have this job and own vehicles and they have told me that drive between 19k miles (the lowest) and 32k miles (the guy who drove the most). I have two choices for having a vehicle:

Option 1: Rent a car every week on the company's dime, return it and travel with lower level co-worker by bus or plane. Gas is also expensed and there is obviously no maintenance cost, but there is the hassle of picking up and dropping cars every week and I will always have an "intermediate" (Hyundai Elantra, Chevy Cruize, Chrysler 200, etc.) which is far from my dream vehicle.

Option 2: Purchase a car and be reimbursed at the prevailing IRS mileage rate. This seems like it would be the better option because if we assume that the IRS mileage rate will never drop from the current .56 cents per mile, that would be $11,200 (20k miles)-$16,800(30k mileage) every year. In theory, I could buy a brand new lower end domestic car every year/two years just with this reimbursement.

Here's my issue though, if I'm going to spend this much time driving this car, I really want something that I will be comfortable and enjoy driving. I'm 6'6" so the cars will have to be larger to be comfortable, I would prefer a used luxury vehicle that can take lots of highway mileage with minimal repairs. Gas mileage is a secondary concern for me and while it isn't necessary for me to have something that looks cool, it's not a requirement. Here are my ideas thus far:

1. Lincoln Towncar
2. Hyundai Equus
3. Ford Fusion
4. GMC Terrain
5. Chrysler 300

1. The Crown Vic's far more luxurious cousin, the Lincoln Towncar seems like a decent option. From my brief research on Autotrader, it appears I can buy one that is about a decade old with 50-60k miles for under $8k at which point I could in theory buy two every freakin year and almost break even. If I lose an engine on the highway, just go rent a car for a few days and buy another. A strange way to think about this but since they are used so extensively as fleet vehicles, I assume that it's proof that they are reliable with heavy mileage. I've been in the back of a lot of towncars but never driven one, I'm sure they are a boat, but that's to be expected and I've always driven big cars.

2. Hyundai Equus: I sat in one of these at a car show and was blown away by the fit, finish and how comfortable it is. I'm a bit of a geek and so I would love all the toys that would come in it. This would probably be the most expensive of my options but seeing cars that were originally sold for around $60k selling reliably for around $30-35k because the used luxury Hyundai market doesn't seem that great. I would hope to keep the 10 year/100k mile warranty to cover any major powertrain issues for the two/three years until I get up to 100k miles.

3. Ford Fusion: I've rented these a couple of times including for some longer trips and I generally liked them. Good size, decent look, decent mileage, I'd probably attempt to buy a used one under $10k and then drive it till the wheels fell off hoping to pocket as much mileage cash as possible. That being said, I'm not sure that the Fusion would have any advantage over an Impala/Accord/etc. and I should just take the lowest mileage vehicle that passes inspection and buy in cash.

4. GMC Terrain: I rented one of these for two weeks and liked how it drove, decent gas mileage and plenty of space for people and stuff. Generally I would be hauling around nothing but air but occasionally I could see wanting a car full of people and a load of stuff in the back. The big concern that has almost made me drop this from my list is that I've read about a lot of problems with the engines on these vehicles and they are still a bit too expensive to want to risk having to replace an engine in the middle of a long work trip between cities.

5. Chrysler 300: What I really like about these is that they are huge and the nicer trim packages really feel like a decent luxury vehicle. That being said, the gas tanks are massive and it kind of hurts to fill them up. I generally like the look of these vehicles though every one I've driven/ridden in seems exceptionally behind the times in terms of infotainment and car audio.

While the most obvious FWF answer is a civic or something that I can put 100k miles in 3-4 years on and do no work but oil changes, I want something large, that I'll enjoy driving and can take tons of highway mileage and a luxurious interior would help keep me comfortable on weekly 2-3 day car trips. While a luxury car would be preferable, I don't have any requirement that I have a certain vehicle that will impress clients. So FWF, what kind of car would you buy if you were 6'6" and needed to drive more in a year than most people do in 3 years?
Seeking advice possible elder abuse in CA
Added on : Monday December 30th 2013 12:00:06 PM
g: 0 Posted By: shinobi1
Views: 0 Replies: 0 I live in an eastern state and know nothing whatsoever of California law. I have two close relatives living in a California city. They are up there in age, both approaching 90. Neither relative is in great shape, one with mental lapses and the other with severe physical problems. I have reason to believe their child is stealing money from them, and I'm taking about hundreds of thousands of dollars. Payments to this child are demanded to be in cash, I assume to avoid easy tracing and to avoid the paper trail a check would leave. My relatives are frightened to deny these payments because that same child is their sole caregiver, a person upon whom they today completely rely.

I would be grateful if someone here with knowledge of California could tell me which CA entity to contact. Would it be the District Attorney in the city of my relatives' residence? Would it possibly be some sort of Social Services entity? Is there in CA an authority which concerns itself specifically with elder abuse? I am very much at a loss as to the proper next step. Nothing like this has ever happened before in my family, least of all so far away. I will appreciate any suggestions from persons with knowledge of how best to address this sort of thing when the victims live in California.

Finally, if I could obtain the name of my relatives' bank, from which substantial cash withdrawals are being made, would a call to them do any good?
FIA / Bank of America Targeted Easy Rewards
Added on : Saturday December 28th 2013 02:00:05 PM
g: 0 Posted By: tjguitar85
Views: 105 Replies: 1 Did not see a current thread...

easyrewards.fiacardservices.com

My Fidelity Amex shows nothing, but Fidelity Visa has:

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Credit Deals
Internet Archive Puts Classic 70s and 80s Games Online for Free
Added on : Saturday December 28th 2013 04:00:03 AM
g: 0 Posted By: MISTERCHEAP
Views: 239 Replies: 0 Internet Archive Puts Classic 70s and 80s Games Online for Free
Link:: https://archive.org/details/consolelivingroom

Classic video games from the 1970s and 1980s have been put online by the Internet Archive and can be played within a web browser for nothing. The collection has launched with games from five early home consoles, including the Atari 2600, Colecovision, The Atari 7800 ProSystem, The Magnavox Odyssey and The Astrocade

The games do not have sound, but will soon, the Internet Archive said.
Video Games Deals
g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
Retirement crisis based upon financial paralysis
Added on : Sunday December 22nd 2013 09:00:06 AM
g: 0 Posted By: iseetrails
Views: 66 Replies: 0 Issue: I believe that I have become afraid of the market and cant make rational choices regarding my retirement anymore.

Short background: age: 44, self-employed, California, 90,000 gross income with approx. 50,000 take home after all taxes and business expenses. In 1998, I started taking active management in my 401k accounts and promptly lost half of my balance at the time in the tech crunch. In 2007, I broadened my investment approach to commodities and lost quite a bit more. Since then, I have drifted more and more toward cash or cash equivalents as I become more risk adverse.

Goal: to contribute approx. 15% of salary a year to retire accounts with annual returns of approx. 8 to 10%. Current balance is approx. $200,000.

Problems: assets are spread across four retirement accounts and difficult to track. Allocation is currently $100,000 in stocks and $100,000 in cash or cash equivalents. Need to get money from earning nothing in cash items without entering market all at one time. Need to regain confidence in self as investor.

Question: has anyone had similar situation where they got past investing fears on their own; or should I find someone else to manage my money? I dont want to pay a 1 or 2% fee but it is currently more attractive than my inaction in investing. I am also stuck with how quickly you can reinvest 50% of the value of the portfolio back into stocks without buying at wrong time. Is 5 or 10% per month a safe rate to re-enter?

If the cash is just sitting in retirement accounts; is there any reason to contribute any more to retirement accounts at this point or just pay down mortgage until all 401k money is invested? The idea of having my mortgage paid off before retirement has a strong emotional attraction that I am not sure is the best use of the money. I have no other debt and enough emergency cash.
Personal Finance Deals
g: 0 Posted By: badsister
Views: 1 Replies: 0 I've been calling doctors and hospitals confirming network status for United Healthcare's on-exchange plans.
Several doctors noted on the list informed me that they are not, in fact, participating in the exchange plans.
I would follow up by calling United with what the doctors told me and they would do nothing more than simply go the the xny site (which obviously i didnt need their help for) to confirm or negate a provider's network status according to what was noted online.

One of the hospitals i phoned was Sloan Kettering, as they were on the list (while though i heard that they were not participating).
They told me that they had negotiated a contract, but decided not to sign it. they are, therefore, officially not participating.

So i called United once again, and the rep i spoke to told me (sit down for this), that the list of providers on xny.com is their CURRENT list of providers and has nothing to do with the exchange plans.
I'm pretty sick over this, as if we want a United plan (with what is 'supposed to be' the largest network) we are buying completely blind as to who is in-network.
Is this not major fraud?

Bofa dinged my credit score for 8$ late payment
Added on : Saturday December 21st 2013 08:00:08 AM
g: 0 Posted By: jba
Views: 4 Replies: 0 Dear FW members,

I am about to apply for a loan so I pulled my credit report and shocked to see 720 down from 808.

The negative report was from Bofa CC for a 8$ late payment. I called Bofa, explaining how long I have been with them and they reported for a one time late payment and that total was 8$. They said nothing can be done now.

I have set auto pay on all CC except this.

is there any option to correct the late payment report? Please let me know.

Thank you and happy holidays.
Personal Finance Deals
Teen debt card option *need advise*
Added on : Saturday December 21st 2013 03:00:09 AM
g: 0 Posted By: Bronkman
Views: 100 Replies: 3 I have triplet 13 year old boys and want to get them a debt card that is reloadable that has minimum monthly fees. I currently use BOA and they offer nothing. Chase and Wells Fargo have options but you must link a parental checking account. Does anyone have experience in this arena? What I'm looking for is similar to a Rushcard but without all the fees. Is there a simple option I'm overlooking?
Personal Finance Deals
Auto lease trade in issue
Added on : Friday December 20th 2013 01:00:04 PM
g: 0 Posted By: itaos
Views: 152 Replies: 3 Though I know trading in a lease early is not a wise financial decision a friend of mine was determined to do so. They bought a new car from Toyota and that dealer agreed to take in the leased Ford, for a price of course. This was rolled into the financing of the new car andToyota assured that there would be no issues.The Toyota dealership now says that Ford will not let them take over the lease and purchase the careven thought there is nothing(that I canfind)in the contract that prevents it.

Do we have to cooperate with Toyota in redoing the financing contract and taking back the lease? Should there be any compensation for the hassle?

Thanks in advance
Personal Finance Deals
Free Kindle Book - The Blades of Ishara
Added on : Friday December 20th 2013 11:00:07 AM
g: 0 Posted By: bigginsben
Views: 50 Replies: 0 Free Today through Sunday - The Blades of Ishara

The first part of the Song of Ishara (also available on Amazon.com here)

"The world does not contain enough blood to slake the thirst of my sword. I wish it were not so. I wish fate held a higher calling than hunter of men but fate is fate and I am but a leaf blowing in its ever-changing winds. My blades bear the blood of a thousand souls and yet they thirst"

So begins the powerful new epic of love lost and vengeance found; of songs of mystery and power; of the defeat of darkness.

Korenzen Ishara is a farmer whose life is swept up in the broad sweep of history as good and evil battle on the grandest scale. His story begins as he loses those dearest to him to a war he knew nothing about until it came to his door. In this, the first book of his Song, he is caught up in this war and witnesses what he believes is its end. Along the way he discovers his own amazing abilities and how they might affect the outcome of the battle.
Books & Magazines Deals
g: 0 Posted By: dantehu
Views: 222 Replies: 0 link to the drive

154.99 after coupon EMCWVWN52 and Free Shipping
Nothing special about this deal but if you need big size HDD. Here is the post for someone needs it.
BTW I bought 2
Hard Drives Deals

Newegg Coupons
Enjoy the City coupon book @ LivingSocial - various prices
Added on : Friday December 20th 2013 03:00:02 AM
g: 0 Posted By: SUB
Views: 192 Replies: 0 LivingSocial has the EtC books on sale:
Link
You can use coupon HURRY for 15% off (not as good as $10/25 but still better than nothing).
1 for $20 or $17 AC
3 for $30 or $25.50 AC ($8.50/book)
5 for $40 or $34 AC (~$6.80/book)

Other than the usual fast food and pizza coupons, the ones I've seen also have 4 coupons for Winn Dixie ($5 off $30 purchase). You may be able to use them at your grocery store if they accept competitor coupons.

ETA: if you buy in bulk, you can get a better deal directly through the enjoythecity.com website, for small quantities this is pretty good
Books Deals

LivingSocial Coupons
Do you think I have a case to sue my employer?
Added on : Thursday December 19th 2013 08:00:13 PM
g: 0 Posted By: 77Rus
Views: 32 Replies: 0 Sorry for long story, tried to make it as short as possible but it is still too long. Just need your opinion what to do, if anything to do. Thank you.

Im Russian-American, naturalized citizen, speak Russian at home. Wasone of 12IT technicians,the rest of the guys are Americans.In July Ive complained to our new CIO (ex-military from Cold War time, chief warrant officer, served 12 years) about porn and violent behavior of one of the company owners (700 people law firm with large internal IT; I dont care about porn, have seen tons of it at work, but in that case a senior partner was just driving me crazy pointing on his desktop XXX files, screaming and beating the desk why, why they keep getting rearranged!!!). Anyway, I email and tell CIO, he investigates, tells me that Im right, did a good thing to complain and that he told the guy to behave properly and to remove porn. He asked me if Ive told anybody else. I tell him 2 names of IT folks (another tech and our senior tech). Next day Im told not to work on that PC, it is too much for you to handle, then me and 2 guys Ive told about porn get Final warning to improve work performance" within 120 days (bogus reasons, never had any warnings, CIO has put some crap in it Ive never did, like reinstalling programs trying to fix them, bad customer service not a single example , did the same to the other guys). Im probably the best tech of the firm at that time tons of positive feedback from users, everybody likes me, no kidding here that idiot with porn was the only issue Ive had for 8 years . I ask CIO WTF, he points on his army medals on the wall and tells me that he wants me to succeed, that he has trained hundreds of folks in the military and will do it to me. OK, shit happens, whatever.
I work like never before (Alabama, single income with a wife a 3 yo, scared to lose my job), run around pleasing everybody, positive feedback skyrockets to the point senior partners call CIO and email the whole firm saying how good Im.
One day had to work on printer of the secretary of the guy who had porn (Ive complained about), went to his PC to print and saw all the porn still there. Whatever.Sometime in August Ive emailed HR about new gun law in Alabama (do they need a copy of concealed carry or not if we keep it in cars in closed container), never ever said that I have a pistol in my car just asked what their policy is. 2 weeks later CIO comes to department and says in front of other folks that he will be the first one I will shoot in the office one day. No kidding. WTF I say. Why? Russians have serious weapons in their possession. Dung, OK, whatever.In September I bring him his new phone and he asks me how Im doing. Working like crazy, pleasing everybody. Yeah, he replies, I get emails about you every day. But you know what, it is not about customer service, it is about tech skills. OK, whatever.In October an attorney Ive upgraded with Windows 7 months ago (finally, he was on broken XP and didnt want to move), calls CIO and screams on him because his PC drives him crazy and he never wanted Windows 7. Attorney is a patent guy, often mad, but actually a very nice person did that crap many times, but never so loud I get a call for him, run, he says that all is good, he called CIO to bitch for no reason, Helpdesk was slow to unlock a document, he is sorry. OK, whatever.
I email my manager (new guy who doesnt know the attorney) that attorney is always like that, he is frustrated with his patenting crap, gets mad often, but it goes away quickly. Say I will deal with it.
Next day talk to that patent attorney again. He says my CIO is sending bad emails about me, he is so sorry, can talk to CIO to tell him that it is not my fault and not to use it against me. WTF?Later on that day I work on IT committee leader PC (CIOs boss). Outlook issues nobody can fix, told by Microsoft girl to check his emails blah-blah-blah see my email first thing. CIO forwarded it to CEO, IT Board guy etc that basically Im an idiot cant write emails properly, dont have skills, frustrate users. Dont see a single email about anybody else, only about me. I say WTF, it is too much.10/4/13 I go to CEO and tell the Man that CIO is hostile towards me without any reason. Sends emails with lies about me, gives bogus final warnings, says he gets tons of emails from happy users but still I dont have freaking skills, our system shows I have tons of positive feedback, said in front of all that I will kill him first one day.
CEO listens and says that the only resolution he sees is for me to talk to CIO like man to man. He says he sees cultural differences, he will arrange meeting. He says CIO is like that because he (CEO) is giving him hard time. Crap, whatever.10/8/13 I print that email for meeting. Microsoft girl is there - a witness from HR CIO says. Cant talk like man to man, CIO refuses to talk until I tell him how I found about the email. An attorney told me about it. No, I called everybody Ive emailed it to, they didnt tell you. Did you see it on a computer while you were working on it? Sure thing I did. I printed it for you. He is happy, tells me he sent it because there were 6 follow up after upgrade, nobody else has so many, I dont have skills, most of the positive feedback I have is solicited blah-blah-blah. Tells me to go and check tickets. I tell him that everybody except him likes me, how the hell I can solicit 100+ feedback from users when some of them I barely know, that I cant sleep and eat because of all his lies and I just dont understand why he is throwing me under the bus like a dog. I was a little bit loud and was crying, yes, but I didnt call him names or anything of that sort. Like I said Microsoft girl was there all the time.10/9/13 I check the tickets of the patent guy. 6 calls, none is my problem. Web site didnt work, Java didnt run, document was locked crap like that. Talk to managers (nice people, were always saying Im their best tech) they also say there was nothing wrong I did. I put everything into I nice email and email CIO the results. hey, sorry blah-blah-blah, here are the results, nothing wrong I did, Sir.
2 hours later Im called to HR, CIO smiles to me and CEO tells me to be terminated or to resign. It is bad to print emails without permission and we just cant work together with CIO. If resign, they will keep me on payroll for another 3 weeks and I will be with the Firm, but dont need to come to work. Whatever, screw them, I resign.
No threats, no firearms on me or in my car, no violence, never had a single complaint of that sort, never arrested, didnt have a freaking traffic ticket. They bring my things from IT and an armed security takes me to my car with a facility manager. Always in a case like that it is just a manager, but for me they arranged an armed security. For 8 years I have never seen an armed security in our building, nobody else did, Ive checked later on. We go to the car, security is holding his hand on his handgun, and the whole freaking firm (10 floors) stares through the windows to see what is going on before I drive away. Im not kidding, it was the most humiliating thing I ever had in my life. 8 years over there, zero complaints, and they called a freaking guy with a revolver.
Ive got 45 very nice feedbacks on LinkedIn after Ive left, including from company owners (freaking CIO himself only has got 10 in his life). People I still talk to say they were in shock to see what has happened.
Ive send a letter to HR 2 weeks ago about CIO (mentioned porn and him saying I will start killing people one day, asked to investigate), CEO called me and said that they will investigate it internally since Im no longer with the Firm, and they will not inform me on the results. They cant hire me back because CIO manages IT and it is his decision blah-blah-blah.
Called an attorney I found in yellow book for a free consultation, but he said he doesnt deal with voluntary resignations and advised to contact Equal employment opportunity commission. Thats basically my story.
Thank you all for reading it
Question Deals
g: 0 Posted By: tedteddy
Views: 36 Replies: 0 http://www.techdirt.com/articles/20131218/14533925607/intelligence-task-force-hints-nsa-manipulating-financial-systems-changing-amounts-bank-accounts.shtml
"Recommendation #31 (B) Governments should not use their offensive cyber capabilities to change the amounts held in financial accounts or otherwise manipulate the financial system."

Good god the banks might end up feeling it too. Does this mean that if the NSA doesn't like you one day you wake up and realize all the money's gone from your bank account?We can't trust the big tech companies with our personal info now our money isn't safe either. Put it in the mattress I suppose.What a bleak future for both banks and cloud tech companies, nothing's safe or secure now. Yet they tell us what they're doing makes us safer. Black is white.
Discussion Deals
Useful life of mid and high rise condos?
Added on : Thursday December 19th 2013 04:00:11 PM
g: 0 Posted By: pj737
Views: 45 Replies: 0 A friend of mine that owns a condo in Honolulu, Hawaii may possibly receive a $60,000+ special assessment from his building's association because of necessary concrete spall repair and sewer/drain line rehabilitation. Because neither of these expenses were included in the building's Reserve Study, the HOA can forcibly pass these costs on to the owners. There is currently a lawsuit between several owners and the HOA as, understandably, many owners cannot afford this one-time upfront cost. They are currently seeking financing for these repairs. The building is just over 45 years of age and the HOA is claiming the cast iron pipe in the building has exceeded its design expectancy of 40 years and needs replacement. Others have contended that cast iron pipe should last longer... 50-60 years, and that repairs should be made instead of complete replacement. My friend is perplexed that the replacement cost of this piping (which runs throughout the entire building; some of which is only accessible by cutting massive slabs of rebar reinforced concrete) was never included in the Reserve Study. Most owners had no idea that this replacement was (soon) required and that it could be so expensive. In addition to the new piping, there is significant spall damage resulting from leaking pipes and weather-related degradation. For those that don't know what spalling is, it's when rebar inside of concrete corrodes and subsequently expands because of contact to moisture. The expansion of the degrading steel is often placed close to the surface of the concrete so it pushes the concrete out causing it to crack, crumble and fall. All concrete is porous so if it's not sealed and encapsulated to moisture, the rebar will eventually corrode, expand and crack the concrete compromising the structural integrity of the member. In other words, all concrete will eventually fail. This building is located in Honolulu, Hawaii and is in close proximity to the ocean; the high humidity of the tropics, consistent rainfall and salt content in the air all contribute to a more rapid degradation of steel and concrete than other parts of the nation.

So this got me thinking, are maintenance fees too low to truly sustain the ultra-long-term maintenance and rehabilitation requirements of condos? I know a lot of owners of condos gloat about how they don't have to worry about costs associated with single family home repair because it's covered in the monthly HOA dues but it's clear that reserve studies (which determine the replacement cost and life cycle of all the building's components) does not include EVERYTHING. I sit on two condo boards (in Honolulu, Hawaii), both of which are roughly 40 years old, and the reserve studies for both buildings do not show any reserves for future spall repair or water, sewer and drainage piping replacement. There is nothing for curtain wall window replacement, handrail replacement and upgrades for electrical wiring (though they do for most electrical components like transformers, switch-gear etc). They include virtually all replaceable items like marble cladding on certain architectural walls (which still look perfect 40 years later) but nothing to replace pipes that inevitably will fall apart over time. It's appalling. Then I started thinking about the structure itself... what is the life cycle or "useful life" of a mid or high rise building? I see building implosions of all types on the internet/news all the time. I've seen dozens of large concrete buildings being demolished here in Honolulu too... some of which are only about 50 years old. I understand that many of these buildings are torn down because they are technologically obsolete, don't meet new code/safety requirements or the building that sits on the land isn't serving the "best use" of the land. But in a condo where there are dozens or hundreds of owners, what happens? Eventually the ENTIRE building has to be torn down, right? Eventually the long term maintenance costs will exceed the cost to finance and erect a new modern structure that serves the needs and requirements of a modern society. Then there is the argument that some buildings last hundreds of years. That's true... but these are usually buildings that have cultural or historical significance... and a ton of money is usually injected into preserving these unique buildings through private, municipal, state and federal entities via taxpayers, public/private donations, trusts or otherwise. Owners of regular buildings (like the type that 98% of people reside in) would never have that kind of money to constantly rehabilitate to be safe and at least moderately technologically acceptable. In a nutshell, it would be impossible to preserve a decent standard of living and safety for residents with controlled costs in a multi-century old structure.

The economic life of most mid to high rise steel or steel-reinforced concrete buildings is 80-100 years (according to what I've read in studies). Wouldn't that suggest that your investment would mostly vaporize at some point? When you buy a single family house, the house (brand new) is usually worth about a third of what you pay... and the land about two-thirds (i.e. a new $1M house would be valued at about $330K for the structure and $660K for the land). Now this is an average for small homes in town on small lots (5,000 sf)... I'm sure that differs in other parts of Oahu (and definitely in other parts of the nation) but the land value to house structure value is definitely much more favorable than a condo. Here in Hawaii an average 1,400 sf condo in the urban core goes for about $1M. The same sized house in town goes for about the same but you own about 5,000 SF of land. In the condo you would own about 400 SF of land or about 8% of the SFH land. The land under the condo averages about $250 SF (which is about double of what the land under a SFH would go for) so of your $1M investment, only 10% of that ($100k) is in land. The rest is arguably in a depreciating asset (which according to my unscientific guess will eventually be worthless). Maintenance fees mostly prevent that depreciation by injecting money into constant upgrades and repairs. But at what point is the building obsolete whether structurally, technologically or safety-wise?

Sorry for the long post but I know there are quite a few real estate investment people on FW. Always good to hear what others think. Sorry I didn't post this in the RE thread... I figured this topic should deserve its own. Please don't flame me if my assumption is wrong!
g: 1 Posted By: MightySlacker
Views: 129 Replies: 5 I will try not to TLDR; this but also not skim over important details. I will already assume that YANML if you respond. I also am waiting to speak with him to get some clarification on some things. Ohio is state.

Original lease expired Sep '12, so we were month to month. Verbal notice provided Sep 13 that October 13 would be last month, and last months rent was pre-paid. Security deposit was $650.

House was in very good condition, though I did not get all the trash out before the 31st. Acknowledged that was going to be a ding in the deposit. Trash was on back porch and a bookcase with some misc in basement. Landlord sent text asking if all was trash so he could put it by road, said yes and apologized.

No contact from landlord in the 30 day required window. Waited a few extra days, then sent a letter of demand. Landlord called next day incredulous and shocked that I would not contact him before such a "threatening" letter, asked if was still possible to work it out. I said yes, you can send your list of damages and I will compare them with my pictures and receipts. Said he was sending out last week. Sent a text yesterday informing him nothing received, said he just mailed it out because he had to "talk to counsel" first". Got it today (no supporting documentation).

Front page of letter makes many references to lease, which expired in Sep 12. His claim is that in fact the repair bill is $1125.83, and that if I dont cease and desist he will countersue for $475.83. "indemnification Deposit Infractions" listed are 1) Residence not damaged beyond normal wear and tear 2) Management not in possession of final bills 3)Resident not signed move in/out forms (there was no move in form).

Obviously, there is no way in hell that if he really thought I owed him that, he was going to just let me slide and not say anything. Pretty much sure this is an attempt to mitigate his loss if we go to court because he knows I'd get double damages.

Misc info: Landlord lived right across the street, so was pretty nosy. No complaints of any kind while we were there except one time we had a BBQ and people parked on both sides of street. When talking with him last week, he let a lot of things slip, including admitting tampering with mail that didn't get forwarded properly. That has nothing to do with security deposit, and I'm trying hard to not make it personal even though he seems on purposely insulting my intelligence. Here are some of the deductions:

Pool closing services - $470.00 (2 x 235). Nothing in lease about pool maintenance, was verbal agreement). I am assuming that x2 means for this year and last. Last year, I had him help me and he said to give him $50 for chemicals, which on the next months rent check I added and made a notation on the bottom (says Nov Rent + Pool), so I'd have no idea why he'd try and charge me this much now without mentioning it before. This year, I drained the pool myself, disconnected everything and put in chemicals. The next day, when I arrived, people were closing the pool. Landlord said my chemicals didnt work (less than 24 hours after I put them in) and said the chemicals cost $32 that he used. Landlord gave no notification that he was coming to close the pool, or gave me any sort of deadline to have the pool closed.

Landscaping - $48 (8.00 x 6 hours). This was done mid-October, as he asked to do some of the stuff before I left so he could rent it out sooner and I agrees. Can he turn around and charge me for things done before I moved out? Isn't it unreasonable to assume that I wouldn't have done that?

There is $325.96 for living room carpet damage, $225.96 original cost and $100 replacement cost. Not sure what this means. There was no holes, burn marks, pet damage, stains, anything. There were a couple of runs on the basement stairs carpet when moving furniture.

$50 for swimming pool carpet damage?, was cheap indoor/outdoor carpet. Did not take a picture of this. There was no major damage or tears, 2 years and 2 months of weather did a toll though. There is a clause in the old lease that says $50 for carpet cleaning, can this be extrapolated to outside pool carpet?

There is also $320 for kitchen repainting because of a giant bubble in the paint behind our stove. Our stove was brand spanking new. It was Glidden latex paint. Landlord extrapolates since that we did concessions we use stove more than normal. My counter is that we didnt prep that much concession food at home, and that we had that job on weekends and both had 40 hour a week jobs we used the oven less than most normal people because we were never there. Sherwin Williams guy said the bubble was caused by the painting not being prepped right (wasnt dry) and the heat caused the water to evaporate. Said normal paint will chip, not blister, and that if you could peel the paint like a sunburn, it's not primed right.

Another $100 for repair materials.

So, the questions I am wondering.

1) Since the lease is expired, are we still bound by all the terms, or does a standard become "normal wear and tear"? I got an answer that mentioned a holdover clause, but the one in our old lease just says I have to deliver the residence in good order and repair. The lease mentioned no holes in the wall, and we had a minor amount of pictures hung that would be considered normal (less than 5 in living room). Not sure if the lease language still applies.

2) Can things that were done by landlord before we moved out still be held against our security deposit? Agreement was only made that he could do those things, not that we were hiring him to do them for us?

3) Even if his lease "Infractions" still apply to me, is that an excuse to not abide by the 30 day limit for withholding a deposit?

Any other insight would be appreciated.

Dave
Discussion Deals
g: -1 Posted By: prikindel
Views: 78 Replies: 1 Open either aWay2SaveChecking Packageor aPreferred Packageonline by December 31, 2013.
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g: 0 Posted By: tedhawkins
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Walgreens - 12 pack Soda (Dr. Pepper, 7up, Sunkist, Canada Dry) 4 for $7
Added on : Monday December 16th 2013 02:00:10 PM
g: 0 Posted By: SomeThing4Nothing
Views: 235 Replies: 0 12 pack soda - Dr. Pepper, 7Up, Sunkist, Canada Dry, a few others (see this weeks ad)
Sale price 4 for $11
Coupon on 12 packs $4 off 4 12 packs (expires 12/18/13)
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Double mycokerewards (MCR) on Diet Coke 12 Pack Codes
Added on : Monday December 16th 2013 10:00:08 AM
g: 1 Posted By: soxfan2004
Views: 485 Replies: 5 Searched and didn't see anything recent
text(sorry it shows my name but I get nothing out of it - I only wanted to share the full info)

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Double mycokerewards (MCR) on all Diet Coke Codes
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g: 0 Posted By: soxfan2004
Views: 129 Replies: 0 Searched and didn't see anything recent
text(sorry it shows my name but I get nothing out of it - I only wanted to share the full info)

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LFS (toyota finanical) confusion on prepayment
Added on : Monday December 16th 2013 06:01:01 AM
g: 0 Posted By: danis21
Views: 124 Replies: 3 Hi Guys

So Lexus has a December sales event in which one can either take 0.9% APR or $2000 (with standard APR) rebate on RX350, if the car is financed through Lexus/Toyota Financial Services.
I took the $2000 rebate offer as the sales person told me that I just need to finance 10k for minimum of 4 payments. When it was time to finalize everything with the finance guy, he said, the 'minimum is 22k and for 6 months'. So, at the end, they made me take a loan of 22k @ 4.24%.
I know I can do better and the contract basically has no prepayment penalty.
The dealer said "there is nothing in the contract, but if you pre-pay before 6 months, LFS will send you a bill for 2k rebate".

So - my question to FW finance gurus is - if there is nothing in the contract, and the contract specifically says "no per-payment penalty" - would you keep the loan for 6 months or pay it off early?

Also, if I pay it off within a couple of weeks (as soon as I get the account number), will it affect my credit history really bad?

Thanks for the help.



Question Deals
Craftsman 13 in. Tool Bag - $3.49 at KMart
Added on : Sunday December 15th 2013 01:00:04 AM
g: 0 Posted By: Tarf
Views: 114 Replies: 0 Craftsman 13 in. Tool Bag - $3.49 at Kmart Link

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g: 0 Posted By: DaysFan
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g: 0 Posted By: RhizzleBop
Views: 138 Replies: 4 I hope this is the right place to post this.I have what I feel is a very strong idea for an app/site.Technology-wise, there is nothing ground breaking about what I want built. But, the overall business idea itself has not been donehow I want to do this.I am meeting next week with a think tank group. They collaborate and work on projects under the community entity of this think tank business. They sometimes work for hire, sometimes they invest their time for a % ownership, sometimes they get investors involved.I asked the owner about signing my NDA, and he said it was possible, not out of the question, but difficult because he can't sign anything that would interfere with other projects he is working on. He said he had to know specifically what IP I wanted to protect in the NDA before he could sign.He said everyone in his organization has signed an honor code which prevents them from taking anyones ideas.As I've thought about this more, and tried to drill down to what is unique enough to protect its gotten difficult. I'm not sure what I have to protect IP wise. People have made apps, people have registered accounts on apps. People have posted offerings on apps, people have communicated between each other on apps. So, I'm not sure what my IP is, other than the summation of all that together for my specific purpose, along with well done marketing to make it go.Am I being way too lax on this? Can I do a simple site schematic writeup on some letterhead and ask him to sign that this specific document is my idea? I have an NDA doc created. It basically says anyone who signs cannot work on any idea discussed. But that was his point. Its vague to say, what was discussed might apply to a piece of something else he is working on, which might infringe on another idea he is working on.Thoughts?I really feel like building the site/app is not earth shattering in and of itself. It'll be the marketing and operating the business that will define its success or failure. So, that makes me think I'm being overly cautious. This isn't the next Twitter. But it could be the next "stronginternet business".
Personal Finance Deals
45k i can't do anything with
Added on : Thursday December 12th 2013 05:00:13 AM
g: 0 Posted By: mmdino
Views: 30 Replies: 0 This is kinda long for a question, but I want to get the background down. Found the finance forum on google so I thought this would be a good place to ask because I can't ask local people or anything. Me and a friend were doing demo on a abandoned house about 10 years ago for close to minimum wage pay plus a written contract saying we could keep whatever we found like copper pipes that were still there, appliances, any furniture, etc. We demoed a wall and found plastic wrapped money. A contractor there that day said it was in our best interest to tun it into the police because it was probably drug money or from a robbery and if we tried to spend it we would be in a world of trouble. This made sense so we ended up bringing in the haul, didn't even open the plastic--- at this point we didn't even know how much it was. I guessed 10k at most. So we filled out a few forms and gave a statement, get a case num. Cop says we aren't getting the money back because it was clearly crime related.

So a few months goes by and my friend calls the police a few times but they basically say nothing has happened with the case. After a while he stops calling and about a year later he moves out of state for some job. We weren't super good friends, we basically met before the demo work and he asked if I wanted in on the job after he got hired so I lost touch and to be honest forgot about the money except when I saw movies and tv shows that had briefcases of the stuff.

Six years later Ron calls my mom and tells them to tell me to call him back as soon as possible. I was living with my mom when were demoing, now I'm in a different city and I had changed cell numbers a few times, I'm surprised he even had my mom's number but I call him back and he tells me the police are releasing the money back to us. I thought he was screwing around but he insisted they did. H wants to met up at the police station to pick it up because we both have to be there. I was positive it was some kinda prank, but he planned to drive back to the state that weekend and meet up at my place.

He shows up like he said and tells me there were no significant trace of drugs on the money and even though a bunch of it was sequential they couldn't trace any of serial numbers on the money to a crime. So then he tells me its a little over 90k in cash. I couldn't believe it, and honestly wasn't going to believe it until I saw it. He says they tried to contact previous owners but there were condos on the property now and the bank had taken possession then sold to contractors and never could get in contact with whoever had th house. Next day we drive to the police station and after a long wait they bring out a cardboard box from evidence with all the money stacked up and in zip bags with amounts written on them. So we sign off on the stuff then the police are like you can't take our box, so they give us some trash bags to separate it out which I thought was ridiculous and felt weird and stupid to be carrying trash bag of money but luckily we separated it out in the back so people didn't see us.

So my friend leaves to drive back home, we didn't even want to stop for a drink anywhere we just wanted to get the money elsewhere safe. My bank is closed so I take it home and stuff it in a box in my closet and then pretty much can't sleep. I call in sick on sun and go to the bank right at 8 mon complete with my trashbac of money. I tel the teller what i have and she has like this freaked out look and says she has to get the supervisor. He has me come in to a office and asks me where I go the money and I tell him the above and he really doesn't buy it, I can tell. So we all take a look at the money, which is still in police plastic bags and he figures out most of it is sequential numbers, and none of have security strips because they are before whenever they added those and tells me he won't accept it. I'm like what do I do with it, and he just shrugs at me like it is no big deal. wtf. So I take this stuff home and sort through it and like a it is split into three groups of serials on 100s and then maybe 1k of random numbers. There is over five hundred in smaller bills which I take out.

I end up taking it to another rbranh and it turns out the other bank flagged my account and warned them not to take any large sums of cash from me. I ended up arguing with the bank manager at the second place and he tells me if the police will vouch for the money they will deposit. I call the police and not only will they not vouch for it, but they don't even want to talk to me about it. Open a new account somewhere else right. No one will take it. Sequential bills, no security strips. I even mixed up the 100s and after it took them forever to count it all they come back and tell me it is sequential. In fact one bank tells me there only has to be 5% sequential for that sum and they won't be able to take it. This is nuts right. So I go to my original bank and get a safety deposit box and dump most of it in there. Meahnwhile I think I can just spend it as needed but places won't even take them, no security strip they don't even care if it is legal, two places call the cops on me and I have to sit around while they look up the case number and everything. I manage to break one of the 100 at a fancy restaurant and that is it.

Finally I call Ron up a few weeks later and he says he is having the same problem and even tried to cash in at the casino but they wouldn't. He said he has put one or two in an ATM deposit but he didn't think he could keep doing that and doesn't know how long it would take for them to reject them through that system so he was waiting to do more. He has been able to deposit one or two in a new account each week and now one has said anything but he thinks is only a matter of time. A month later I can't even get ahold of him and he won't return my calls, and I'm wondering if he got arrested or his state was better able to trace the money to something or what. So now I'm afraid if I take it out of state or even out of the general area i'm could be a world of trouble. I was thinking I could buy a car from a private seller and then sell it but that would just get the buyer in the same place I am or worse. One drunk night I actually burned one of the hundreds just because. It was funny at the time but the next day I felt awful. I don't even know how much exactly I have because I haven't had the nerve to go to the bank and just sit there and count it all.

So what do I do with this money? I don't want to ask friends because I just think someone is going to rob me or something because who knows who they tell. My mom doesn't even know the whole story because I think she's gonna tell people too so all she knows is I got some cash from the police after a demo job. I have gotten rid of all the smaller bills and some of the 100 that were new enough to have strips in them but thats not even close to the total amount. Please help and sorry for the length.
Yodlee Labs vs. New Moneycenter
Added on : Wednesday December 11th 2013 03:00:07 PM
g: 0 Posted By: nothingevertodo
Views: 51 Replies: 0 To all FWF members using Yodlee-

You have probably recieved notice that Yodlee Moneycenter has been renamed Yodlee Labs. However, today when I went to log in, I was prompted to re-register an account if I wanted to use the *New* Yodlee Moneycenter. I am afraid to re-register because I don't want to lose any of my current info and I would like to be able to migrate historical data over the the new Moneycenter. Has anyone made the migration yet?

Thanks!
Personal Finance Deals
Free Kindle Book: Love on the Buchanan Ranch - Elizabeth Nelson
Added on : Wednesday December 11th 2013 11:00:08 AM
g: 0 Posted By: MrsF
Views: 206 Replies: 0 http://www.amazon.com/Love-Buchanan-Ranch-Romance-Story-ebook/dp/B00BNY5PR0/ref=sr_1_80?ie=UTF8&qid=1386796380&sr=8-80&keywords=free+kindle+books

Love em and Leave em Falling for Him

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Totally Free Deals
g: 0 Posted By: MISTERCHEAP
Views: 50 Replies: 0 NOTE: This is the on box peelie rebate, not the smartsource gelpacs AND jet dry rebate. Please respond only if you have info on the "TRY ME FREE" peelie on box rebate.

What a bunch of nonsense. Mailed this rebate back in September, 3 months later, still no rebate. Call the # on the Finish box to inquire, get the run around, well, we need to know what PO Box you mailed it to? I ask 'well, don't you just have a website I can track this at"...."no sir we are just the manufacturer, we have nothing to do with those rebates"....well....aren't you FUNDING these rebates? If this is your CUSTOMER SERVICE #, shouldn't you have a way to look up the info?

TheyGive me some BS that they'll take my name and address and "research it". I'm like...so when will I hear back? Girl cops an attitude about it. Just hung up. Never had so much hassle over a $3.99 rebate in my life! What a crappy/rude and unresponsive company.

Anyone else get their's? What's been the turn around time?


Discussion Deals
Estranged wife making medical and financial decisions for dying husband
Added on : Monday December 09th 2013 04:00:09 AM
g: 4 Posted By: Herb
Views: 520 Replies: 2 My father in law recently had a cardiac arrest and is currently in a coma and not expected to survive. His current wife and him were estranged prior to this and divorce proceedings have been filed although nothing has been finalized. He is survived by three adult children, none of whom are related to the current wife. Despite the estrangement, his current wife is representing herself as the primary decision maker in all matters, both medical and financial. The children and his wife have serious differences of opinion. I guess I have two major questions:

1. Is the wife legally correct that she is the sole medical decision maker, even though they are estranged and had filed for divorce? Are there legal grounds for them to contest this? As far as I know, he never completed an advanced directive or durable power of attorney document. My wife and her family would like to pursue hospice but her Dad's wife is talking about a tracheostomy and continuation of aggressive care.
2. Does the pending divorce make any difference in the division of the estate? My father in law left no will. We assume the community property will be hers but are worried that she will rightfully claim all separate property as well.

Of course we have an appointment with an attorney tomorrow but I wanted to see if I could get any further insight into a messed up situation. This is in California by the way, which likely matters a lot. Thanks in advance for your time.

Edited to change title
Question Deals
Free Kindle Book- Nothing Is Impossible with God (was $15.99)
Added on : Monday December 09th 2013 01:00:02 AM
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/Nothing-Impossible-God-Reflections-Weakness-ebook/dp/B00F5KX75A

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No one likes to feel weak. Just thinking about our inadequate resources can fill us with fear and hopelessness. But Rose Marie Miller has a different perspective. For her true weakness is a gift born out of a deep sense of need, it drives us to Christ and unleashes all the redeeming energy of Gods grace in our lives and others.

Rose Marie Miller, a living example of Gods power in weakness, weaves together biblical insights and personal experience and shares a new, gospel-driven way of living where the way up is down, the weak become strong, and the dead receive life. God, for whom nothing is impossible, uses weak people to change the worldand that includes you!


Books Deals

Amazon Coupons
Walmart price matching BOGO B1G1 Publix and other Grocery StoresHPHh
Added on : Sunday December 08th 2013 05:00:01 PM
g: 0 Posted By: randyfrasman
Views: 27 Replies: 0 I confirmed this today and am shocked I didn't know about it. Searched FW and found nothing. If bagels are $4 for one at Publix you get 2 for $4. WalMart carries the same bagels for $2.75 and they will now match at that price. You get 2 for $2.75 AND you can use coupons!

This really is huge as Publix has B1G1 on top brand items like Cheerios, Sauces, Coffee, etc...

Found a backup article as well

Probate Question
Added on : Sunday December 08th 2013 04:00:07 PM
g: 0 Posted By: Herb
Views: 11 Replies: 0 My father in law recently had a cardiac arrest and is currently in a coma and not expected to survive. His current wife and him were estranged prior to this and divorce proceedings have been filed although nothing has been finalized. He is survived by three adult children, none of whom are related to the current wife. Despite the estrangement, his current wife is representing herself as the primary decision maker in all matters, both medical and financial. The children and his wife have serious differences of opinion. I guess I have two major questions:

1. Is the wife legally correct that she is the sole medical decision maker, even though they are estranged and had filed for divorce? Are there legal grounds for them to contest this? As far as I know, he never completed an advanced directive or durable power of attorney document. My wife and her family would like to pursue hospice but her Dad's wife is talking about a tracheostomy and continuation of aggressive care.
2. Does the pending divorce make any difference in the division of the estate? My father in law left no will. We assume the community property will be hers but are worried that she will rightfully claim all separate property as well.

Of course we have an appointment with an attorney tomorrow but I wanted to see if I could get any further insight into a messed up situation. This is in California by the way, which likely matters a lot. Thanks in advance for your time.
Question Deals
g: 0 Posted By: canavja
Views: 174 Replies: 1 I just got an e-mail a half hour ago from Eddie Bauer with a $10 off certificate with no minimum purchase that ends tomorrow (12/8).
Subject was: Ends Tomorrow! Free $10. Our Gift to You.

If you're an infrequent customer of them, you may have gotten the promo too.

They have a promo code - GIFT - that gives 20% off your order as well.

I picked up a pair of socks for nothing (there doesn't seem to be much available on clearance/sale at the moment).




Buck Naked Underwear $12 Regular Price $22.50 Duluth Trading
Added on : Friday December 06th 2013 02:00:12 PM
g: 0 Posted By: juddev
Views: 453 Replies: 1 These Really Do Feel Like You Are Wearing Nothing At All.

Feels Like Wearing Nothing At All
This moisture-wicking underwear is almost as comfortable as your birthday suit!No pinch. No stink. No sweat. Wicking performance nylonSoft, no-bunch waistband

$12 each
regular $22.50 each
Special Offer!FREE DOMESTIC STANDARD SHIPPING ON ORDERS OF $50+
Free Shipping to any Duluth Trading Store
http://link.duluthtradingemail.com/u.d?L4GjaYBzHzyrdT8VwoxP=111&...
Clothing Deals
g: 1 Posted By: remick
Views: 105 Replies: 0 http://www.amazon.com/Heal-Your-Essences-Janine-Thorp-ebook/dp/B00F3KCZ5A

This book gives you an innovative approach to healing your life, and to moving out of pain and into freedom. It describes how you can connect with these unique channelled essences to give you access to their frequencies, and gives you a step-by-step guide to how they can help you to move through and clear any issue that is going on for you in your life.

This book is for anyone who would love to have a simple self-supporting system that they can use whenever they want to, that can help in every area of their life, and for anyone who just enjoys exploring and expanding their awareness and consciousness of who they really are.


Also free at the time of posting:

Life Can Be a Miracle [Kindle Edition]
http://www.amazon.com/Life-Can-Miracle-Ivinela-Samuilova-ebook/d...

'Life Can Be a Miracle' is possibly the most unexpected course in miracles (in a novel) you may encounter. The book comes from one of the enigmatic parts of the world: the Balkans, and particularly from the oldest and rather mysterious country there, Bulgaria. Like the unique asymmetric rhythms of Bulgarian music that astonish Western even temperament, the approach to reality this book offers may shake up your structured, algorithmic and perhaps boring or ineffective approach to life. 'Life Can Be a Miracle' brings an unusually optimistic breath of fresh air, as warm as a Balkan summer, to our way of perceiving reality. This is the right book for readers who want a fresh take on reality, who do not take themselves too seriously and who would like to explore new and different ways to relate to themselves and to the world -- not as alien and hostile subjects, but rather as allies who share and exchange extraordinary resources in surprising ways. How can a tiny piece of blue cheese lead you to your ultimate life purpose, removing all the barriers you have built against a joyful, fulfilled, miraculous life? This and many more incredibly fun and easy-to-apply techniques can be found in this fascinating, original and inspiring novel.


Pathways To Paradise: 12 Selective Principles for Building Long-Term Success and Personal Development [Kindle Edition]
http://www.amazon.com/Pathways-Paradise-Selective-Principles-Development-ebook/dp/B00GF64N92

Scott Allan's Pathways to Paradise introduces twelve strategic principles for building long-term success and personal achievement. The topics cover a wide range of concepts from mastering self-discipline to building a goals portfolio; priority action planning to constructing the Master Dream for your life. The principles featured in this book can be applied today to create the success you have always dreamed of having.
Designed to empower and motivate you to reach higher levels of effectiveness and success, Pathways to Paradise cultivates a blend of modern day philosophy with straightforward practical advice to help you achieve success in your personal and professional life.

In this book you will learn to:

Define your lifes purpose
Deal with the trauma of past events
Cultivate self-discipline into your daily life
Handle failure more effectively
Create a system of motivating goals
Achieve your dreams through defining the Master Dream
Organize your daily life through establish priority tasks
Improve your saving and spending habits
Learn to eat better and live a healthier lifestyle


The Universe Doesn't Give a Flying F***k About You (Epic series) [Kindle Edition]
http://www.amazon.com/Universe-Doesnt-Flying-About-ebook/dp/B005...

If you walk around every day on eggshells, nervous about making a mistake or looking stupid, then you should read this.
If you have a "next big thing" in mind you want to do because you know it will be awesome (starting the business, making the big move, launching the nonprofit, writing the book) but are afraid of doing what it would take to make that thing happen, then you should read this.
The universe is very big. You are very small. In fact, you're so small and so insignificant in the big picture that you don't even register to the eye of the cosmos. The universe was here before you were born and will be here long after you're gone, and your life is but a blip on its vast, vast radar. If your life is to matter, it's not going to matter to the universe. It's up to you make your life matter in the only way you can: by doing things that make a difference to you, to those around you, and to those whose lives you touch. Time is short. You have exactly NOW to do whatever it is you're here to do, or to let the inexorable passage of hours and days and years kill your potential like fruit left to die on a vine.
The universe doesnt hate you, but it doesnt love you, either. Youre just an atom in its infinite workings. The universe doesnt care if you live, die, suffer, or thrive. Whatever your life here will mean is up to you.
Stop worrying so much about what others think and start being who you're supposed to be. It's time to do some epic shit.


The Heart of Abundance: A Simple Guide to Appreciating and Enjoying Life [Kindle Edition]
http://www.amazon.com/The-Heart-Abundance-Appreciating-ebook/dp/B00472O6I4

The Heart of Abundance is a free best of collection. Discover more abundance, encouragement, and simplicity in your life. Quotes, meditations, prayers, and instant inspiration help you create a life you enjoy and enjoy the life you have. New second edition features additional excerpts and material from new books by Candy Paull.
This inspirational guide reminds you that life can be good, no matter what challenges you may be facing right now. Be present, see the divine at work in all circumstances, and experience ordinary life as sacred. Learn to practice the art of abundance as a form of spiritual awareness based in gratitude.


How to Make Great Things Happen in YOUR LIFE - A sincere and proven approach to lasting happiness and success [Kindle Edition]
http://www.amazon.com/Make-Great-Things-Happen-ebook/dp/B00AVRI09A

What are great things in life? Money? Good health? Good relationships? Happiness? Yes, of course. And this book is about these topics. But what if the next global financial crisis makes your job and your money disappear? What if you are no longer as healthy as you would like to be? What if an important relationship becomes complicated? What if happiness seems a distant memory? In other words: what if these things turn against you? And what if as a consequence you think the whole world is against you? What then?
This book invites you to a journey that has a lot to do with the way you see and live your life: the way you think about life and the world you live in. After that journey if you took your time and paid attention nothing will be the same. Great things will happen in your life BECAUSE YOU MAKE THEM HAPPEN. Enjoy the trip!
The book also contains information about how readers who are interested in how to lose weight after all else has failed, can obtain a free preview copy of the author's new book "Quit the Club of Overeaters"


Books Deals

Amazon Coupons
Buck Naked Underware $12 Regular Price $22.50 Duluth Trading
Added on : Friday December 06th 2013 01:00:02 PM
g: 0 Posted By: juddev
Views: 0 Replies: 0 Feels Like Wearing Nothing At All
This moisture-wicking underwear is almost as comfortable as your birthday suit!No pinch. No stink. No sweat. Wicking performance nylonSoft, no-bunch waistband

$12 each
regular $22.50 each
Special Offer!FREE DOMESTIC STANDARD SHIPPING ON ORDERS OF $50+
Free Shipping to any Duluth Trading Storehttp://link.duluthtradingemail.com/u.d?L4GjaYBzHzyrdT8VwoxP=111&...
g: 0 Posted By: mayguj1
Views: 80 Replies: 0 Soul Electronics By Ludacris SE5BLK Elite Over-Ear Noise Canceling Headphones (black) $60 + Free Shipping (with prom code)

Link: http://www.rakuten.com/prod/soul-electronics-se5blk-elite-over-ear-noise-canceling-headphones/257581472.html
promo code: SOUL90

I couldnt find any reviews for this particular soul headphones. But found this same model listed on best buy too for $199 (http://www.bestbuy.com/site/soul-elite-over-the-ear-headphones-black/2773278.p?id=1219077355913&skuId=2773278); so this looks like a good deal

I checked and nothing was listed on FW yet; if this is a repost, apologies!

Peace...
Headphones & Speakers Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Huffy Green Machine $59.99 FS (Reg. $99) target.com
Added on : Friday December 06th 2013 04:00:02 AM
g: 0 Posted By: gizmo
Views: 1 Replies: 0 Huffy Green Machine 20" Triwheel

Ever had your heart leap up into your throat while you're doing a 180 spin?That's why nothing compares to the Huffy Green Machine. Durable steel frame anddual action control sticks plus the X-tra wide front tire makes the ride better than ever! And the Huffy Green Machine looks as awesome as it rides.

Manufacturer's Suggested Age:8 Years and Up, 5 Years and Up
Gear Speeds:1
BicycleFrame/Component Features:Chainless, Adjustable Frame,
Bicycle Frame Material:Steel
Seat Features:Bucket seat, Adjustable, High Back
Seat Material:Polypropylene
Front Brake System:Hand Brake
Pedal Material:Plastic
Rim Material:Steel
Front Wheel Height:20"
Rear Wheel Height:10.0 "
Tire Type:Blowmolded Plastic
Tire Width:1.75"
Includes:Safety Flag, Wheel Inserts
Maximum Weight Capacity:180.0 Lb.
Care and Cleaning:Wipe Clean With a Damp Cloth
Dimensions:56.0 " L x 29.0 " W x 21.5 " H
Weight:38.0 Lb.
Warranty Description:Multiple Warranties and/or Time Frames Apply
Assembly Details:adult assembly required
BikeType:Balance

New Arrivals: Philipp Plein - Regret Nothing Men»s Necklace
Added on : Wednesday December 04th 2013 09:00:05 AM
The Razor»s edge ads a little punk cool to your look. The »Regret Nothing» motto on the Philipp Plein necklace harkens to the no-holds attitude of the designer. Featuring a nickle polished ball chain with a razor and signature motto. Signature box included. Made in Italy.
g: 0 Posted By: Gauss44
Views: 314 Replies: 2 Warning: If you try to sell bitcoin, you WILL have to deal with scammers <----- And I REALLY mean that. (This is as true as it gets, not one person's experience. Google it if in doubt.)

That being said, there seems to be an opportunity for those of us who are daring or smarter than the bad guys. If you look on eBay, or almost anywhere bitcoin is being sold right now, you'll notice that it's selling at all different prices. One bitcoin can go from anywhere between $950 to $3000 for just one. And it's being bought up quickly. The opportunity is buy low, sell high (and double your money if you can sell without being scammed).

The trouble with this seemingly easy plan, is the execution of it. How to get around triangle scams and middleman scams from dishonest buyers (described below). Anyone have any luck selling bitcoin? Or any tips?


Descriptions of scams below (no need to read if you are familiar):

Example of a common scam: Person A is a matchmaker between the buyer and the seller. Person A tells the buyer to send money to the seller. And Person A tells the seller to send bitcoin to the buyer. Instead of providing the buyer's bitcoin account, Person A provides his own account or wallet number. The Result: Person A gets bitcoin. Meanwhile the buyer gets nothing. The buyer then accuses the seller of fraud, and requests his money back....

An alternative version: An eBay customer or hacked eBay account starts buying bitcoin on eBay. The seller receives a payment, or payment on hold, at Paypal. The seller sends bitcoin to what he thinks is the seller's account or wallet. Then buyer calls Paypal and says their eBay account was hacked and Paypal reverses the payment, refunding the buyer. The seller is stuck with nothing (bitcoin was sent, payment was reversed. Note that these crooked eBay buyers often have hundreds of positive reviews.




Discussion Deals
g: -28 Posted By: medion
Views: 3053 Replies: 26 I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
Free kindle Book- Made to Last (Where Love Begins Book #1) Was $13.99
Added on : Tuesday December 03rd 2013 07:00:03 AM
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/Made-Last-Where-Love-Begins-ebook/dp/B00CIUJYVG

4.5 out of 5 stars with 107 reviews

Miranda Woodruff has it all. At least, that's how it looks when she's starring in her homebuilding television show, From the Ground Up. So when her network begins to talk about making cuts, she'll do anything to boost ratings and save her show--even if it means pretending to be married to a man who's definitely not the fiance who ran out on her three years ago.

When a handsome reporter starts shadowing Miranda's every move, all his digging into her personal life brings him a little too close to the truth--and to her. Can the girl whose entire identity is wrapped up in her on-screen persona finally find the nerve to set the record straight? And if she does, will the life she's built come crashing down just as she's found a love to last?

"Sweet, fun, and faith-filled, Melissa Tagg's Made To Last is a story made to delight lovers of romance and behind-the-scenes reality TV. Pull up an armchair and enjoy!"
-Lisa Wingate
, National Bestselling Author of Blue Moon Bay, one of Booklist's Top 10 of 2012

"Clever plot. Engaging, funny, fresh writing. A winning voice with deeper layers that touch the heart. Melissa Tagg is the whole package. A delight for CBA readers."
-Rachel Hauck, award-winning and bestselling author of Once Upon a Prince

"If there is such thing as a perfect story, Melissa Tagg has written it with this first novel. Laugh-out-loud funny, a delightful premise, hunky heroes, surprising plot twists and poignant, heart-tugging moments, all wound together with beautiful writing. Made to Last is a keeper that will charm its way onto your shelf, and into your heart."
-Susan May Warren, RITA Award winner and bestselling author of Take a Chance on Me

"Made to Last is a fun romantic comedy that will have you turning the pages. Melissa Tagg is a fresh voice to watch."
-Jenny B. Jones, award-winning author of Save the Date and There You'll Find Me

"Melissa Tagg has written a fun, fast-paced romance. Her first novel will certainly not be her last."
-Kristin Billerbeck, author of The Scent of Rain

"A must for fans of romantic comedy! Melissa Tagg's endearing characters charmed me and their story line captured my imagination. Reading Made To Last was like eating a hot fudge brownie sundae with girlfriends. Fun. Delicious. Completely entertaining."
-Becky Wade, author of My Stubborn Heart and Undeniably Yours

"With witty dialogue, lovable characters, and an entertaining plot, Melissa Tagg is sure to become a new favorite among fans of Christian romance. Made to Last reminds us all that we are more than the roles we play. At our core, beneath our failures and hang-ups, we are loved and cherished by a faithful God."
-Katie Ganshert, author of Wildflowers From Winter and Wishing on Willows

"Readers are going to fall in love with Melissa Tagg's novels! She writes vivid stories filled with true-to-life characters who wrestle with questions about life, faith and romance. Melissa's writing is equal parts laugh out loud humor and moments that touch your heart. I can't wait for others to discover this talented new author!"
-Beth K. Vogt, author of Wish You Were Here and Catch a Falling Star

"What happens when a harmless lie you didn't intend to tell takes on a life of its own? When you're Miranda Woodruff, star of a home improvement show, you learn how to let go and become who God called you to be because nothing else is left. A great story with life-impacting truth surrounded by romance to make you swoon."
-Cara Putman,
award-winning author of A Wedding Transpires on Mackinac Island

"Reading Made to Last, Melissa Tagg's debut novel, was like meeting new friends whom I wanted to continue hanging out with long after the book ended. Melissa's fresh voice and ability to craft a well-written story hooked me with the opening line and held my attention to the very end. Her flawed characters, LOL moments and spiritual truth provided a foundation for a stellar debut novel. I even had to dab my teary eyes a couple of times. Melissa Tagg is an author to watch and one whose books I want to fill my shelves."
-Lisa Jordan, award-winning author of Lakeside Reunion and Lakeside Family
Books Deals

Amazon Coupons
Discover Merchant code incorrect prevents 5% CB
Added on : Tuesday December 03rd 2013 05:00:12 AM
g: 0 Posted By: alienjedi
Views: 207 Replies: 4 Just wanted to bounce this off some of you and I think this is the right forum.

So I purchased a $400 driving experience for a friend (they get to drive a sports car at a track) and the Merchant code came up on my Discover as Education. I was expecting it to come up as a service and since it was paid for online, it would qualify for 5% Cash Back. I tried talking to one of their "charming" online employees and at first they said it was education and I would not receive 5%. I explained it is not education as it is not a driving school, it is clearly marketed as a driving experience. Their is no qualification, no certificate of completion, nothing that qualifies as an educational source. I further explained that is is a service...big mistake. The employee then took that as an outlet, ignoring proper use of punctuation, and recited their terms to me:This offer does not apply to government products or services, education providers, utilities, or travel. Amounts that are not charged to your card during your online purchase will not qualify. These purchases must be made by December 31, 2013. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible. If a purchase is not coded as an online purchase, it will not qualify.

They arguethat a service, any service, does not qualify because of the first sentence. I explained should me worded as such given the comma placement:
Gov't Product
Gov't Service
Education Provider
Etc

Finally they argued that they don't set the Merchant code, the merchant does. Hence a big FU nothing we can do about it.

Am I crazy here? I will be following up with the BBB and sending an e-mail to Discover. What other action should I take?
Personal Finance Deals
Beanies... LOTS of beanies 10 for $5.74, 20 for 6.99, etc - Amazon
Added on : Monday December 02nd 2013 12:00:03 AM
g: 0 Posted By: BrainySmurf
Views: 124 Replies: 0 <RANT> Where I live, cold weather protection is a necessity for even taking the trash out to the curb. I keep all my outerwear at the door, and nothing irks me more when my gear disappears because someone in the house found it convenient to "borrow" my gear because they were in a hurry and can't be bothered to find their own stuff. </RANT>

Here's a deal I found if you are looking to stock up on beanies to keep around the house, gift, donate, or whatever.

The black and white ones are only a penny, and the colored ones are 2 cents. If you buy one, the shipping is probably not worth the purchase, however if you want several, you can get them really cheap.

Some examples would be:
10- $5.74 shipped
20- $6.99 shipped

Looks like $1.25 extra shipping for every 10 more you buy. And yea, I'm sure they are thin... but for a backup to keep in the car or around the house, a bargain in my book.


The Deal You have to select the seller "Nice Shades" from the "More buying choices" on the right side of the screen.
Clothing Deals

Amazon Coupons
g: 1 Posted By: chenp
Views: 440 Replies: 2 GRACO baby stuff (car seats, stroller, pack play, etc) 20% off -online and instore. If you use redcard and 20% black Friday coupon in store for buying graco baby stuff, you can39% off on graco items!

The top of the line convertible baby car seat - Graco Headwise 70 http://www.target.com/c/convertible-car-seats-baby/-/N-5q0ex with Safety Surround is 20% off, or $159.99 currently at Target. It normally retails for regular price at $199.99

If you picked up the 20% coupon from black Friday for spending > $75, you can get another 20% off on the car seatpurchase in-store. Use your redcard and get another 5% off.

$159.99 x 0.8 (from BF 20% off coupon)x 0.95 (from Target 5% redcard)=$121.60, or 61% of regular $199.99 price, or 39% off! That's a steal for a top of the line no re-thread convertible car seat! We were waiting for BF car seat deal. Nothing came out really on good carseats until this Target deal!
Baby Deals

Target Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/DWELLING-Where-You-Intimately-Reside-ebook/dp/B00GR0LHSG

The Dwelling place of God is a place where every believer should yearn and long for each waking day because God will lead you on the journey of love like you have never experienced before. Thats why his throne room is a place of abiding intimately with him holding back nothing because God is longing for a relationship with his children. This book is a must have for every believer, you will be blessed by it and you will experience God's presence as you read it.
Claiming Long Term Disability?
Added on : Saturday November 30th 2013 06:00:09 AM
g: 0 Posted By: mastroadam
Views: 139 Replies: 1 Im asking a question for my mother-in-law from Portugal originally,
Im 47, Ive worked in New York since 1986, and I was diagnosed with stnosis. In addition I have tendonitis and plantar fasciitis on my right foot which makes my job as a nursing assistant very difficult. I am considering applying for disability, I have Unum short and long term disability insurance and in addition I have 1199 union benefits. I am planning to move to move to North Carolina early next year after I hit my five year mark as a nursing assistant so Ill have five years in the union. The disability covers about $1000/month and the union covers about 40%. What should I claim? What state should I claim it in? Should I wait till I hit my five year mark?Do I need any specific forms? Do I need a lawyer? I know nothing about this process so any other helpful tips would be appreciated.
Personal Finance Deals
g: 1 Posted By: VivYip
Views: 358 Replies: 2 the ad is online at Staples

FAR
266272 Kaspersky Internet Security 2014, 1 PC
QuickBooks Simple Start Online 2014 (no sku number mentioned, but personally, avoid)

Free After Coupon and Rebate thanks to mathfaster for the heads on where the coupons are
513099 Staples 8.5" x 11" multipurpose paper, 500 sheets/ream limit 4


paper stuff
$0.01AR 648177 Staples photo plus 4" x 6" paper, gloss, 60/pack limit 2
$14.99AC/R possibly shipped from kiosk (pay at register) 513096Staples 8.5" x 11" multipurpose paper, 10-ream case
B2 10 ream, G1 5 ream case free is also mentioned (so, maybe if a person is REALLY desperate/needs paper, then 25 reams for ~$30)
$25.50382692HP Office paper, 8.5" x 11", case
50% off HP photo and business communication paper (if there's any rebates, could be better)


cleaning/breakroom
--20% off 1 cleaning breakroom item
--Buy 2 of the following, get $5 GC
$8.99 167534 Bounty Basic paper towels, Select-A-Size, 12 large rolls = 15 regular rolls
$6.99 833825 Charmin Basic bathroom tissue, 16 big rolls = 32 regular rolls
$12.49 Swiffer sweeper - boxed
$10 Tide Pods, spring meadow, 35/pack

other stuff
$17.99 917069 PNY Attach3 USB flash drive 32GB (there's a coupon for this to probably make this better)
$79.99AR 891686 AT&T cordless phone with digital answering system (total of 5 handsets)

others things of note:
The tax software is beginning to make an appearance, but nothing deal-like yet.
QuickBooks pro 2014 also is showing up, but the price is not good.
Electronics Deals

Staples Coupons
g: 0 Posted By: JiggleTheHandle
Views: 131 Replies: 0 EVEREADY VINTAGE T-SHIRT

1960/70's classic style EVEREADY BATTERY logo t-shirt $4.85 shipped. S through XL.

1 per customer.

Go here and look for the thin banner offer across the middle of the page...

http://www.eveready.com/Pages/default.aspx

Click on it and select size.

If it looks like nothing was added to your cart, go back to...
http://www.eveready.com/Pages/default.aspx
...and click on the banner again, and this time you should be delivered to your cart with the selection you made.

Continue through checkout as normal.
Clothing Deals
Canon PIXMA MG3220 Wireless All-In-One Printer @ OfficeMax - $29.99
Added on : Thursday November 28th 2013 04:00:06 PM
g: 1 Posted By: Virgil27
Views: 304 Replies: 1 Canon PIXMA MG3220 Wireless All-In-One Printer @ OfficeMax - $29.99
compare at $59.99
Free Shipping!Need an all-in-one printer for a next-to-nothing price? OfficeMax has this Canon Wireless All-In-One Printer for $30 off the next lowest price with free shipping! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
All in one printers Deals

OfficeMax Coupons
Adorama Black Friday 2013 Sale is Live Now
Added on : Thursday November 28th 2013 02:00:08 PM
g: 1 Posted By: fivetalents
Views: 546 Replies: 1 Apparently there was no ad leak for Adorama this year (nothing in the deal finder, no BF forum posts). They just sent an announcement saying that their BF sale is now live. They had a bunch of good eB ay daily deals today so hopefully there are some gems on their own site.

www.adorama.com/searchsite/default.aspx?category=2749&term=black...


Cameras Deals

Adorama Coupons
g: 1 Posted By: oppie1
Views: 75 Replies: 2 nothing to see here.. move along..
PS3 Deals

RadioShack Coupons
Octopus Ski Mask @ Tanga - $11.70 after Coupon
Added on : Tuesday November 26th 2013 07:00:02 PM
g: 0 Posted By: Virgil27
Views: 0 Replies: 0 Octopus Ski Mask @ Tanga - $11.70 after Coupon
compare at $23.99
Shipping adds $1.99.With this distinctive Octopus Ski Mask, you'll have nothing to fear from Old Man Winter (or Cthulhu for that matter). This "bearded" ski mask slithers in at $12 off the next lowest price after coupon! 

Coupons
FATWALLET - 10% off Pre-Turkey Items  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Tanga Coupons
g: 1 Posted By: MISTERCHEAP
Views: 127 Replies: 0 Went to buy $75 in Gift Cards today at Staples B&M to use up my Amex Offers deal ($25 on $75).

Much to my pleasant surprise, they now carry Whole Foods GC's! First time I've seen these anywhere (outside Whole Foods).

Nothing like getting discounted groceries (as good as discounted gasoline in my book).

So keep your eyes peeled if you are planning GC's purchases, especially if Staples has any kind of GC promo over the holidays.
Discussion Deals
Considering issuing a chargeback on a purchase, requesting your insight
Added on : Monday November 25th 2013 04:00:09 AM
g: 1 Posted By: medion
Views: 100 Replies: 1 TLDR: If you don't want to comment, use the red/green to vote.
Green = stay the course, don't do the CB
Red = you're wrong, do the CB

I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
FREE Children's Christmas Kindle Book; (Nov. 24,25,26)
Added on : Sunday November 24th 2013 02:00:08 AM
g: 0 Posted By: fisher4052
Views: 8 Replies: 0 Found this on Facebook:BRAND NEW CHRISTMAS RELEASE!
GROSS GUS; Nothing For Christmas!
Rhyming Picture Book for Beginner Readers (Ages 2-8)
Book 2 in the GROSS GUS series

Perfect for reluctant and beginner readers
In this beautifully illustrated rhyming book find out what happens to GROSS GUS when he gets involved in some mischief, right before Christmas.
Poor Gross Gus is always getting caught!
Mom and Dad, sister Susie, Fishie, Doggie, Teacher and Santa are not happy!
In this funny tale find out what Gus does that gets him in trouble and who keeps tattling on him!
Does he make the NICE list this year?

http://www.amazon.com/dp/B00GPDI9DG
Dollar Shave Club Buy $50, Get $10
Added on : Friday November 22nd 2013 04:00:05 PM
g: -1 Posted By: WideOpenSpaces
Views: 237 Replies: 0 Link

Between now andNovember 26th,you get$10 in DSC credits for every purchase ofa DSC E-Gift card of $50 or more.Theres no limit to how many gift cards you can buy, so theres no limit to how much DSC credit you can earn. So go spread some joy. Just choose the amount ($50 or more), select the delivery date, then grab a mug ofeggnog, because you just finished your holiday shopping. Santas got nothing on you.

Monthly plans are $1, $6, or $9 per month for four (4) blades and a free handle depending the number of blades you desire.

I've been a fan of DSC for years, and am just now getting to the end of my supply from a Groupon deal a couple years ago.
Services Deals
Steinfeld v. Discover settlement
Added on : Wednesday November 20th 2013 04:00:08 PM
g: 0 Posted By: flwsoldier
Views: 14 Replies: 0 An e-mail came to my spam folder today about a Discover card settlement with estimated payouts between $20 and $40.
It doesn't look like it's possible to file the claim form online yet. "This functionality will be available at a later date."

I was lucky enough to get several hundred dollars in the Chase Payment Protector settlement, I'm not hopeful that will happen here, but ever since then I always join the class actions
email said: IF YOU RECEIVED A CALL THROUGH THE USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM AND/OR A PRERECORDED VOICE FROM DISCOVER TO YOUR CELLULAR TELEPHONE BETWEEN NOVEMBER 30, 2007 AND SEPTEMBER 10, 2013, THIS NOTICE DESCRIBES YOUR RIGHTS IN CONNECTION WITH SETTLEMENT OF A LAWSUIT AND YOUR POTENTIAL RECOVERY.
You may be entitled to a payment under a proposed class action settlement. In the lawsuit entitled Andrew Steinfeld v. Discover Financial Services, et al., U.S.D.C., Northern District of California Case No. 3:12-cv-01118-JSW (the Action), Plaintiffs claim that Discover Financial Services or related parties (including Discover Bank, The Student Loan Corporation and Discover Home Loans) (Discover) violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. (the TCPA), by placing calls on or after November 30, 2007 to cellular telephones through the use of an automatic telephone dialing system or an artificial or prerecorded voice without the prior express consent of Plaintiffs and the putative class members. Discover denies these claims and denies any claim of wrongdoing. The Court has not decided who is right. However, in settlement of the Action, Discover has agreed to implement practice changes and establish a settlement fund of $8.7 million. This notice is only a summary. Details of the settlement, including information on how to file a claim, are available at www.SteinfeldTCPASettlement.com or by writing to or calling the Claims Administrator at the address or toll-free number below.

Discovers records indicate that you may be a member of the Settlement Class because Discover may have placed a call to your cellular telephone number using an automatic telephone dialing system or an artificial or prerecorded voice at some time between November 30, 2007 and September 10, 2013. Settlement Class Members may (1) submit Revocation Request Forms requesting that Discover cease making calls to their cellular telephone numbers using an automatic telephone dialing system or an artificial or prerecorded voice, (2) submit Claim Forms requesting money from the settlement in the form of a check or in the form of a one-time credit against the balance of their Discover credit card account, (3) exclude themselves from the settlement, (4) object to the settlement, and/or (5) do nothing. Class Counsel estimate that settlement payments or credits will be between $20 and $40, but could be more or less based on factors including the number of claims submitted.

You cannot receive a payment unless your claim is received by February 25, 2014. In addition to payments to the Settlement Class Members, the settlement provides for not more than $2,175,000 in attorneys fees and costs and $2,000 in service awards for the two representative plaintiffs to be sought from the Court by counsel for the Settlement Class. In the event that there are any remaining monies from uncashed checks totaling $50,000 or less, such monies will be paid to charity.

If you do not want to be legally bound by the settlement, you may opt out of the settlement by sending a request for exclusion to the Claims Administrator postmarked no later than January 13, 2014. If you exclude yourself from the settlement, you will not receive any money or other benefits from the settlement. If you stay in the settlement (i.e. do not exclude yourself from the settlement), you may object to the settlement by explaining in writing why you do not like the settlement postmarked no later than January 13, 2014. You will be bound by the settlement if your objection is rejected. If you do nothing (i.e. submit no claim or request for exclusion) you will not receive any benefits from the settlement but will nevertheless be bound by the settlement. All Settlement Class Members who do not exclude themselves will be bound by any judgment approving the settlement and will give up any right to sue Discover or related parties for any known or unknown claims relating to calls made to their cellular telephone numbers, including alleged violations of the TCPA.

TO OBTAIN FULL INSTRUCTIONS FOR EXCLUDING YOURSELF, FILING AN OBJECTION, SUBMITTING A REVOCATION REQUEST FORM, OR SUBMITTING A CLAIM FORM, GO TO WWW.STEINFELDTCPASETTLEMENT.COM, OR WRITE OR CALL THE CLAIMS ADMINISTRATOR AT STEINFELD TCPA CLAIMS ADMINISTRATOR, P.O. BOX 43209, PROVIDENCE, RI 02940-3209 OR 1-800-248-1796 (TOLL-FREE).




Credit Deals
Good Sony deals for Capital One Sony Card holders
Added on : Wednesday November 20th 2013 12:00:07 PM
g: 0 Posted By: RushnRockt
Views: 201 Replies: 1 I am not sure this qualifies as a Hot Deal, although in itself it would be on some products. Didn't see in-depth discussion on this either.

So, basics:
- Sony has a credit card and associated Sony Rewards program
- You can redeem points for products, music, gift cards etc.
- In general, the redemption rates are not horrible, but nothing exception
- But, they do have Insider Deals, Daily/Weekly Deals which have a great redemption rate
- You can use points, OR buy points at $0.01/point to get the required number of points

Example: Currently Sony DSC-RX100 is on sale for 44,999 points which when converted to dollars is $449,99, far better than anything you can find in store. You also pay tax in most (all?) states, but the price is still amazing.
These reduced prices apply only for Sony Card holders, but if you are looking for a good price and can wait for potential deal to drop on that item, can be a good deal.
Credit Deals
g: -1 Posted By: remick
Views: 241 Replies: 0 http://www.amazon.com/dp/B007BLO6GU

3 indispensable insiders guides to entrepreneurship: powerful skills, insights, and confidence-builders you wont find anywhere else!

Three books bring together todays most indispensable lessons for entrepreneurs: specific guidance you can use right now to beat the odds and launch a high-profit, high-growth business that lasts! The Truth About Starting a Business reveals 53 bite-size, easy-to-use techniques for choosing the right business, location, and entry strategy planning, funding, hiring, and executing a successful launch implementing effective financial management and marketing doing all that, and still maintaining a healthy personal life! So, You Want to Start a Business?: 8 Steps to Take Before Making the Leap gives you all the knowledge, tools, and hands-on advice you need to avoid 8 killer mistakes that cause most business failures. Unlike most books for entrepreneurs, this one focuses on the most Crucial operational issues associated with consistent profitability from product/service design to pricing, finding and keeping great employees to managing growth. Nothing theoretical here: this is fast-paced, 100% practical advice you can use right now. Finally, Whats Stopping You?: Shatter the 9 Most Common Myths Keeping You from Starting Your Own Business helps you get past the myths that keep potential entrepreneurs from making the leap, and gain all the practical skills and confidence you need to succeed. This books packed with case studies of ordinary people building great businesses and practical techniques you can use, too every step of the way!

From world-renowned leaders and experts, including Bruce Barringer, Edward D. Hess, Charles D. Goetz, and R. Duane Ireland
Books Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 89 Replies: 1 http://www.amazon.com/Get-certified-Foundation-Accredited-Self-study-ebook/dp/B00GJQ5JKU

This is not another book for self-study, it is an accredited course for ITIL 2011 Foundation adapted for self-study. It is based on our proven live classroom course with the required content to understand the fundamentals of ITIL and pass the associated exam. The content is structured for easy review so that the reader can remember the key aspects of ITIL Foundations and reach a clear understanding of service management. It also contains over 150 exam sample questions with answers and rationale, very similar to real exam that will help the reader to prepare for the certification.

The author is an experienced trainer accredited by APMG. She is recognized as a top-notch trainer for ITIL education at foundation, intermediate and MALC levels and as a reputable consultant in IT service management and IT governance. Certified as ITIL Expert, ISO/IEC Consultant Manager, COBIT, Business Process Management Consultant and many others. The course is based on the official syllabus ensuring nothing is left to prepare for the associated certification.

Contents at a Glance:
-Introduction to ITIL
-The purpose, objectives and scope of each service lifecycle stage
-The purpose, objectives and scope of each service management processes
-The ITIL key concepts and terms of each service lifecycle stage
-The key activities of service management processes
-The functions of service operation
-Technology considerations
-Competences and skills
-Review questions at the end of each chapter
-The official MOCKs exams
Books Deals

Amazon Coupons
Is it worth it to own a duplex in one state and live In another.
Added on : Saturday November 16th 2013 12:00:06 AM
g: 0 Posted By: Ayla
Views: 52 Replies: 0 I am considering a move to another state, and was thinking of keeping my duplex, and rent out both the top and bottom. I wanted to know if anyone else has done this, and how it worked out. How you manage repairs, and rent payment. Have you had trouble collecting the rent, or do you hire someone to do it for you?

Again, this is nothing set in stone, but looking at options.
Personal Finance Deals
g: 1 Posted By: Silverthunder
Views: 115 Replies: 0 This was a post (below) by dshibb from several months ago. I set off trying to take advantage of it several months ago. after web form contacting/ emailing about 15 places and not finding anything, I put the project on hold. is it worth it for me to keep searching?
-----------------
Okay I've known about this for a very long time and I don't know why I haven't just come out and shared it with the FWF crowd this whole time.

The AOR happy crowd on here is always looking for good safe yield that they can drop short term money in right?

What if I told you that I was aware of a way to put down unlimited quantities of capital on something safer than a money market account that depending on your age paid out 2-3% guaranteed after a year and likely to yield 4%+ after a couple of years and didn't have any yield curve risk(like a MMA and deposit account)? This product also has cash available on about 2-5 weeks notice(if you're smart on how you handle it likely 2 weeks).

The low interest rate environment has created an anomaly in the single premium life insurance market. Interest crediting to permanent insurance policies is based on longer duration rates which are higher than short duration rates. There are numerous single premium products that back load their expenses allowing you to have a policy that turns positive almost immediately. You can abuse these vehicles as a short term place to drop cash and get higher yields than what you can get out of a deposit account. And this is all before taking into account that you also have a death benefit in case you pass away during the few years you're holding it.

Basically the game works like this. Due to interest rate environment strong early cash value products are getting interest rates associated with long term fixed income. You take out one of them drop in your cash and either when you need the money in the future or when short term rates(deposit rates) move up high enough to close the gap you surrender the contract and take your money out.

The counterintuitive part is that when you surrender assuming your under 59.5 you'll pay ordinary income taxes and 10% penalty *on the gain*. But if you were going to be putting money in a reward checking account, CD, etc. you would be paying ordinary income taxes anyway. Under this deal you get those deferred until surrender. So the key difference here is the 10% penalty, but since it only applies to earnings even after you account for that it's still a pretty good deal. If you're earning 3.5% on your money and surrender paying a 10% penalty the yield only drops from 3.5% to 3.15%. Still better than what you can get out of a normal deposit account. Furthermore unlike a deposit account the yield keeps on getting better year after year and is likely to be in excess of 4% after only a few years. If deposit rates stay low for a while that could result in some rather lucrative interest spreads over deposit rates.

Also, unlike a medium term bond fund you have no yield curve risk. If rates rise the bond fund falls. Instead the insurance carrier retains the yield curve risk on it's own balance sheet just like a deposit account and money market account.

For those of you asking 'Why don't I just take out policy loans instead of surrendering and paying taxes' the answer is that a single premium is practically guaranteed to be a MEC. That means that policy loans are still taxed as ordinary income. So since that is already baked in the smarter move is either surrender or combo of withdrawal and reduced death benefit. The small problem with the latter is that MECs are taxed on a LIFO basis which means that you would be withdrawing earnings first and basis would remain in the policy.

For those asking 'Why don't you take out a policy that has a long enough pay period to no longer be a MEC so you can get tax free loans?' well those things A) don't turn positive right away so you're taking a risk that short interest rates will rise canceling out the anomaly before you've had a chance to capitalize on it and B) If you use policy loans you have to keep rather large chunk in the contract long term to keep it in force; that weds you to holding it over the long term and if that's the case most people would be better off holding fixed income inside of qualified account negating any perceived benefit(hence why the usual advice to everybody is to only look at permanent insurance for what would have been fixed income holdings after you've maxed out all of your qualified accounts).


Few notes:
1) Make sure you don't take any product with surrender charges because you might be in and out within a few years.
2) The standard hold up for a surrender is that most carriers delay it and inform the agent of your intent to surrender allowing him to try to 'rescue' the policy by convincing you to not surrender if he wants. You can have that agent waive his right to hold up the surrender by a couple weeks. I'm not positive that every carrier will accept this, but when taking out a policy having a letter signed by the agent waiving his right to hold up the surrender should make the time period to withdraw your funds much shorter(a money market account holds up funds for a few days this would hold it up only for a couple weeks).
3) Particularly among products very competitive in the short term the commissions on doing this are very low. Usually it's in the 2-4% of lump sum amount and nothing recurring. That is low for any advisor used to either a lot more up front or an AUM fee that is paid out annually. You might notice agents not particularly that excited about doing this.
4) Increasingly insurance carriers have been increasing their commission 'clawback' periods. That means that an agent could have almost all of his commission clawed back if you surrender within a couple years meaning he now owes the insurance carrier. You may want to weigh whether it's worth it to inform the agent of your likely surrender down the road. If you're not it's likely you wont be able to ask for the letter I mentioned in #2, and just be stuck calling him to expedite the surrender down the road. Maybe you can work out some other arrangement so he isn't worried about doing all this work for you only to have his small commission clawed back in a couple years.


So essentially we're talking about arbitraging the interest rate market through a permanent insurance product. You get the risks of very short duration fixed income(like a money market account) while getting the yields more indicative of longer duration fixed income. The anomaly wont last forever; when interest rates rise the anomaly disappears and you surrender and move your money to something higher yielding.


Personal Finance Deals
g: 0 Posted By: GMY
Views: 303 Replies: 0 LG IPS234V-PN Black 23" IPS Panel LED Backlight LCD Monitor 14ms (GTG) HDMI 250 cd/m 2 5,000,000:1

Newegg Link $129.99 After Coupon EMCWWWS24 w/ Free Shipping.

Ends 11/20/13 or until stock is exhausted.

Amazon $165.99, eBay (New) $178.35, Newegg on eBay $139.99

Model IPS234V-PN

Cabinet Color Black

DisplayScreen Size 23" LED Backlight

Resolution 1920 x 1080

Viewing Angle 178(H) / 178(V)

Pixel Pitch 0.2652mm

Display Colors 16.7 Million

Brightness 250 cd/m2

Contrast Ratio 5,000,000:1

Response Time 14ms

Panel IPS

Display Type Full HD

Connectivity Input

Video Compatibility Analog RGB, Digital

Connectors D-Sub, DVI, HDMI
D-Sub 1
DVI 1
HDMI 1

DisplayPort No

Power Supply 100 - 240 VAC, 50/60Hz

Power Consumption 27W

Stand Adjustments Tilt,

Base Detachable

3D Glasses Included Yes

Built-in TV Tuner No

Built-in Speakers No

21.4" x 1.5" x 13.1" without stand

Weight 6.8 lbs. with stand

6.4 lbs. without stand

Quick InfoWarranty http://images10.Newegg.com/WebResource/Themes/2005/Nest/none.gif
Warranty 3 Yrs

Return Policy

This item is covered by Newegg.com's Iron Egg Guarantee Return Policy.We want to ensure your holiday shopping this year is hassle-free. Thats why were automatically extending our return policies on almost every product to January 31, 2014. There's nothing additional that you have to do!

Return for refund until: January 31, 2014
Return for replacement until: January 31, 2014
Restocking Fee: None

Monitors Deals

Newegg Coupons
iOS iPhone/iPad App - GameofWords was $0.99 now Free
Added on : Thursday November 14th 2013 10:00:07 AM
g: 0 Posted By: TheBrokenOne
Views: 239 Replies: 0 Game of Words, was 0.99 -> Free
https://itunes.apple.com/us/app/game-of-words/id727459256?mt=8

Category: Games
Released: Nov 14, 2013
Version: 1.0
Size: 2.4 MB
Language: English
Copyright 2012 Trivia Labs. All rights reserved.

Compatibility: Requires iOS 5.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5.

There are no reviews for the latest update.

Description:"Great word game that challenges and relaxes you at the same time. Good for learning new words too. I highly recommend it." - Piperidine

Game of Words is a new kind of word puzzle game for phones and tablets. It contains elements similar to crossword puzzles and word jumbles. You can complete the game in any order you like. There is no time limit, no score and no penalty for trying different combinations. In case you get stuck, there are extra hints available to help you.

This game has been designed from the ground up to work with any screen size from phone to tablet to give the user an enjoyable experience.


Features
--------------
Clean interface designed for simple and easy game play for all screen sizes
Fun and challenging
Forty levels with six additional expansion packs
Expand your vocabulary with thousands of words
Extra Hints are available if you're stuck by revealing a letter, a tile, or the whole word


Gameplay
--------------
The goal is simple; complete the level by finding words on the screen in any order.

You are given hints on the left with additional information on the right, to help you decipher the hint. You have the option of what that additional information is. Either the number of letters, a scrambled representation of the available letters or for added difficulty you can set it to display nothing.


Apple iTunes
https://itunes.apple.com/us/app/game-of-words/id727459256?mt=8
Totally Free Deals
selling car - is cash the only way to be paid safely?
Added on : Thursday November 14th 2013 07:00:10 AM
g: 0 Posted By: bxd20
Views: 114 Replies: 5 I have a carfor sale on AutoTrader. I have an interested buyer who lives 300 miles away and has made me an offer, pendingseeing it. He is willing to drive to come see it, and buy it on the spot if it's to his liking. (This is a slightly rare car that has a loyal enthusiast base, I myself drove more than 300 miles when I purchased it, just to get the transmission/wheel/color options I wanted. So there's nothing fishy about him driving a few hours.)

I've read a lot of FW threads, and I believe the only way to guarantee I don't get ripped off as the seller, is to meet him at a local bank, where he withdraws the money in front of me. And preferably, if I have an account at that bank, I can immediately deposit it. Or drive down the street and get it into a bank ASAP.

I see a few banks that are located both in his area, and mine, so this seems doable. Unless he tells me he doesn't have accounts at any of those banks.

I think my only specific question here is: I read people say the seller should insist on cash from the teller. Why do I have to request cash? Isn't a bank check just as safe? Meaning, I would accompany him to a local office, and they would hand me a check. At that point, the money has been deducted from his account if I understand things correctly, and there's no way for him to reverse it or put a stop on it, is there? I don't want to sound dumb asking for around $23,000 in cash if they both (the teller and the buyer) are saying "the check is safe", and I'm standing there not knowing who to trust.

Thank you!
Personal Finance Deals
g: 0 Posted By: VivYip
Views: 196 Replies: 0 Staples ad for the week off 11/17 is up on the website (one needs to go through the BF ad to reach it)

nothing much except maybe the following:

paper stuff
B1G1Staples 8" x 11" copy paper, 5-ream case 990176
$3.99AR Staples 8.5" x 11" multipurpose paper, 500-sheet ream 513099 (limit 4)

breakroom/cleaning stuff 5 off 25 coupon available
$1.99 Lysol sanitizing wipes, spring scent, 35 wipes/tub 501741
$6.99 Scott quilted extra soft bath tissue, 12 mega rolls = 36 regular rolls 866667
$8.99 Bounty Basic select-a-size paper towels, 12 large rolls = 15 regular rolls 167534

regular phones
$59.99AC/R Vtech expandable cordless phone with digital answering system, 4/pack 137776

copy/print
$9.99 Medium Color Poster 419343
$15.99 2 Photo Calendars 366343
$16.99 20 Photo Cards - matte 454588
$16.99 20 Matte Invitations, 4" x 8 423483
$19.99 Large Color Poster 419589
$24.99 Medium Color Banner 418858
$36.99 Large Color Banner 418894

Hope this might help someone. Thank you for reading.
Office & School Supplies Deals

Staples Coupons
Best Ways To Churn At this Point...
Added on : Thursday November 14th 2013 05:00:16 AM
g: 0 Posted By: justignoredem
Views: 101 Replies: 2 Hello FWers. I'm looking for some advice from people. Namely, these questions:
1) Should I get more credit cards (Or will it hurt my credit too much?)
2) Which Credit Cards Should I get? (To Maximize churn, good starting bonus, etc)
3) Should I get any with annual fees that I have been avoiding like the plague?

Situation:
I am looking for more ways to churn money as possible. As of right now, I have stuck with nothing but No annual fee, rotating 5% category credit cards. These have been incredibly lacking lately. Apparently they are playing a game for the last year called "Match what the other is doing!", thus making them insignificant to having multiple (aside from being able to put more into the category). I want to maximize as much different revenue from all categories as possible. At the same time, I don't wantrandom cards for 1 tiny category that I barely contribute anything to - especially if it has an annual fee tacked on to it. While I don't want to HURT my credit, I'm not at a point where I think I can hurt it too much either. I have 0 loans under my belt (including college), 0 mortgage, but ~4 years experience with credit cards and 0 late fees. I do not pay interest on anything.

The other day we decided to buy $2k for wooden flooring replacement. I had nothing to do other than get a measly 1% out of it. I felt bad getting so little out of that. We just got back from a trip where we had to spend on hotels, I feel we don't get enough CashBack out of trips as well... For that, I was thinking the Marriott with 70k points, but that is an annual fee card.

Current Credit Cards:

Discover - Rotating 5% Categories
Chase - Rotating 5% Categories
Citi - Rotating 5% Categories
American Express, Costco - 3% Off Gas (Not used), 2% Travel (Use this for flights/hotels), 1% Else. Mostly this card I use for risky transactions, AMX is known for being the most reliable in helping
Bank of America, Cash Rewards - 3% Off Gas (Use this), 2% Off Groceries (Use this), 1% Else
Bank of America, Better Balance Rewards - Free $ Churn


Personal Life:
I'm in my mid 20's. I'm about to get married, my fiance has a mortgage that is entirely under her name. We have a lot of expenses coming up with the wedding, honey moon, and more. While we want to move, there currently is just no means to with our job situation. We hate the town, but we have excellent opportunity with our career. It's a mixed bag.

Anythign else, feel free to ask
Credit Deals
2013 End of Year Restaurant Bonus Gift Card Offers
Added on : Wednesday November 13th 2013 10:00:03 AM
g: 0 Posted By: WideOpenSpaces
Views: 144 Replies: 0 Applebees: receive a $10 bonus card when you buy $50 gift cards.

Rusty Bucket : receive a $10 bonus card when you buy $50 gift card purchase. Bonus card valid 1/2/14-2/28/14 (This is one of my faves!)

Wendys: receive a coupon for a $10 Toys R Us gift card when you make a $50 purchase. Coupon inside kids meal.

Pei Wei: receive a Free small entree when you buy $25 worth of gift cards. Offer ends 12/24/13. Free entree redeemable 1/7/14- 2/2/14

Max & Ermas: receive a $5 bonus when you buy $25 in gift cards. Bonus cards are valid 1/1/ 3/31/14

Outback Steakhouse: receive $20 bonus gift card when you buy $100 in gift cards. (you can even make personalized gift cards, including pictures). Bonus card redeemable 1/1-2/10/14.

Carrabbas: receive $20 in bonus gift card when you buy $100 in gift cards. Bonus card redeemable 1/1-2/10/14.

Bonefish Grill: receive $20 in bonus gift card when you buy $100 in gift cards. Bonus card redeemable 1/1-2/10/14.

Flemings: receive $20 in bonus gift cards when you buy $100 in gift cards. Bonus card redeemable 1/1-2/10/14.

Ruby Tuesday: receive $5 bonus coupon when you buy $25 and $15 bonus coupon when you buy $50 in Ruby Tuesday Gift Cards (plus free Shipping!). Free bonus coupons delivered via email and are valid from 1/2/14-2/28/14.

Bucca di Beppo: receive a $15 reward card when you buy a $50 gift card. Reward card valid 1/1-2/28/14

Caribou Coffee: receive a $5 eGift card when you buy $25 in eGift cards.

Brio: receive $20 in bonus gift card with every $100 in gift cards. Bonus card redeemable 1/1-3/17/14.

Bravo: receive $20 in bonus gift card with every $100 in gift cards. Bonus card redeemable 1/1-3/17/14.

Red Lobster: Receive $5 off bonus coupon when you buy $25 in gift cards.

LongHorn Steakhouse: Receive $5 off bonus coupon when you buy $25 in gift cards. Bonus card is valid 1/1/14 2/13/14 for $5 off the purchase of two adult entres.

Eddie Vs: Receive 10% back in Bonus gift cards when you spend $500+

Seasons 52: Purchase $200 or more in gift cards and receive a gift set of Stlzle German crystal S52 wine glasses. Also receive 10% back in Bonus gift cards when you spend $500+

Olive Garden: Receive $5 off bonus coupon when you buy $25 in gift cards. Bonus card is valid 1/1/14 2/13/14 for $5 off the purchase of two adult entres.

Texas Roadhouse: receive $5 bonus eGift Card when you buy $30 in Texas Roadhouse Gift Cards Online. eGift Card emailed within 7 days of purchase.

First Watch: receive $20 Bonus Bucks when you buy $100 in gift cards. See store for details.

Ruths Chris: receive 10% Bonus Card when you buy $250 or more in gift cards. Holiday bonus cards valid 1/2/14 through 3/31/14

Steak n Shake: receive a $5 Bonus card when you buy $20 in gift cards.

Thanks to Who Said Nothing in Life is Free!
Gifts Deals
IHOP - $5 Coupon for buying a $25 Gift Card
Added on : Wednesday November 13th 2013 07:00:05 AM
g: 0 Posted By: forbin4040
Views: 281 Replies: 1 It's back again this year.

Buy a $25 Gift Card, get $5 coupon on your NEXT VISIT.
The $5 coupon has no limitations, so you could buy 2 cups of coffee and pay next to nothing if you want.
Coupon expires 12/31/13 I do believe.
On your second visit you can use both the $5 and the $25 GC.

So
1) You like IHOP enough to go TWICE
2) You need to spend at least $30 on your subsequent visits to use up the Gift Card.

that is all.

Restaurants & Entertainment Deals
g: 0 Posted By: dontforgetzion
Views: 9 Replies: 0 For a variety of reasons I want to save money.
For one, I own a 4-plex whose water bill I am responsible for. I could charge my tenants but I choose not to at this point.
So, I'm planning on installing a dual-flush system in everyone's toilet. I have heard that it might not work well on older toilets, but it costs only $30 or so, and can save at least $30 a year, so I'll be giving that a try. Less water for 1, more for 2.
I spend a lot of time in Israel, where every house has a solar hot water heater, in combo with an electric water heater on demand, energy costs are close to nothing during the hot summer. I don't know what the ROI would be for that in the states, but it might be worth it.

Do you guys have specific tips, products, services, that can reduce consumption, bills, etc, without damaging quality of life?
Thoughts on a new car?
Added on : Monday November 11th 2013 01:00:06 PM
g: -6 Posted By: pwdbyamd
Views: 2704 Replies: 56 Update: A couple of good comments made me think twice about the Kia Sorento (particularly that they don't hold value), so its not on the list anymore. My wife just doesn't like the look of many of the SUVs. And for those that she does like, they are the worst gas hogs.

Afew of you went out of your way to make comments about my wife and/or her power in the relationship. In fact, you assumed too much!! It will be her car (not mine), so it is important that she likes the car since she will be driving it every day (not me!!). Has nothing to do with who has the power in the relationship. I thought this forum was a little smarter and less judgmental.

We are now turning to look at the Highlander. Is it just my perception from all the bad press that Toyota has gotten the last few years, or has reliability really gone down on Toyotas? I have found a few articles on recalls, I recall something about sludge in camry engines, and we all remember the camry throttle problem that made headlines (software issue??).

Just wondering what great deals people have gotten on the Highlander and/or what they think of the Highlander.



Personal Finance Deals
g: 1 Posted By: guitardedboy
Views: 227 Replies: 0 Link to guitar: http://www.worldmusics

I saw the earlier thread a couple of days ago for the DBZ Bolero guitar where World Music Supply offered a $200 off the closeout sale price making that thread price 349.99 which was already a hell of a deal.

Being a cheap arse slickdealer and really wanting the guitar, I thought I would try to up the ante a little and see if I could talk some more green off of the guitar, thinking the worst they could say is no. I called and asked if they could do 280, and the operator said he had to talk to the manager.he came back at 299, and I countered with 289.he went back to his manager and they took it!!!! (Yowzer!!!)

I am 33 years old and have played guitar since the age of 13. I have owned some really nice guitars (Les Paul, ESP JH3, Fenders and a couple of G&Ls) and I must say, for this price, I highly doubt you will find a better LP knock-off even close to this price range. Neck is butter, humbuckers can growl or play smooth enough to play the panties off of your girlfriend.

(Ive linked some youtube videos so you can see this sucker in action in all kinds of ranges. All of the Bolero's in these videos are the set up the same with different stains/colors with SAME stock DBZ pickups: Tons of video out there besides these, but thought these might give you guys an idea.

METAL http://youtu.be/96g0giwiYQg?t=1
Shredding http://youtu.be/FDtfhMSGE4g?t=3
SRV BLUES http://youtu.be/UKnM0XmDVI4
Smooth and Jazzy http://youtu.be/uenbg7wICzQ?t=1

SPECS:

Pickups DBZB/DBZ5 Pickups with coil tap (insanely killer versatile pickups!)
Bridge Tune-O-Matic Bridge with engraved Dean B. Zelinsky tailpiece
Neck 22 fret 24.75" scale set neck with soft V shape and Premier Series inlays
Binding Abalone binding
Set Neck/24.75
Mahogany/ Flame Maple Body
Mahogany Neck
Ebonized Rosewood Fingerboard
22 Frets
Premier Series Inlays
Vol/Tone/3-Way
Grover Tuners (awesome)
Nickel Hardware
DBZ Stop Tail

I would call in and say "you had a buddy that said you guys did 289 shipped and see what they say? I can't promise you anything, but if you can match my price or hell, even beat it (which I HIGHLY doubt, you will get yourself a HELL of a guitar for next to nothing)

PHONE: 800-867-4611
sorry In advance, I wish I could remember guys name that matched...if you get somebody that doesn't want to play ball maybe try again?
RC & Hobbies Deals
WSJ Article - "I don't want to miss out."
Added on : Monday November 11th 2013 09:00:05 AM
g: 0 Posted By: sublimebri
Views: 244 Replies: 4 http://online.wsj.com/news/articles/SB10001424052702304868404579190000671652172=11ptStocks Regain Broad Appeal=13px- article in WSJ todayMy favorite quote from the article:"I'm hanging on every piece of good news, saying we're out of the slump," said Vito Mandato, a 65-year-old real-estate appraiser who lives in Los Angeles and has put more money into stocks in recent months. Mr. Mandato sent his adviser a note when he saw a market pundit predict the Dow, up 167.80 Friday to 15761.78, could hit 20000 this year. "I still think there's huge upside in the stock market," he said. "I don't want to miss out."This is what happens when you dont have a pragmatic plan and react to emotion, fear, hope, etc. The risks of the stock market are the same today as they were last year and there is nothing worst for investment returns than jumping in at highs and jumping out at lows. I really hope his adviser is helping to manage his client'sreactionaryexuberance and keep on him a steady plan.

This is also a reminder to me that when Main Street starts thinking that the stock market is the hottest ticket in town, it is probably time to mentally prepare for a pull back. Good thing I have faith in my allocation to handle good times and bad. In the name of the holy Bogle. Amen.
General Economics Deals
Used Odyssey Purchase - Extended Warranty
Added on : Monday November 11th 2013 12:00:06 AM
g: 0 Posted By: VAIndigo
Views: 39 Replies: 0 Almost finalized my deal with Honda dealer for a 2010 Odyssey EXL with 30k miles on it for $22k. Car has handful of hair thin scratches which i couldn't make what they are. Few parking dents as well. Dealer says as the car is from NY it could have been rough handled or something but no further details. Carfax shows nothing. Kinda low miles and below market price i believe. So committed to deal and have to finish paperwork today. Dealer didn't budge a single penny on the internet price. Perhaps i need to learn to negotiate better
As it is dealer certified it comes with bumper to bumper for 12 months and powertrain extended to 7 years/100k (which means till June 2017)

Now dealer is throwing an option to buy extended warranty of bumper to bumper till June 2018 including powertrain for $1400. He says we can cancel within 60 days if we don't need. Does that sound right price for that warranty.
As i haven't complete paperwork yet, I wonder if there is anything i need to consider. Is an extra year of powertrain and 4 years of bumper to bumper worth $1400?

To my knowledge Odyssey is a reliable car .. is dealer just pushing me for extended warranty to scrape some extra dollar? How does the overall deal look to you?

Car is running good but battery seems to be drained and breaks are out. Dealer agreed to do touchups, new front tires, new battery and new breaks. He keeps saying to certification standards, i don't know what that means .. can they put after market parts? Is that what it means?

Appreciate any inputs or last minute suggestions.

Ooh BTW - in the last minute i said I want to trade-in my 97 civic (112k miles) which is running good. He offered $1300 max. I knew that is less and probably private party could fetch $2500 but i would say it is in fair condition. Sure I got a bad deal on the trade-in and it came as a boon to him at the end.
Discussion Deals
advice about car accident and friend's insurance company
Added on : Sunday November 10th 2013 02:00:06 PM
g: 0 Posted By: honestabe1
Views: 159 Replies: 4 Looking for advice about a situation that recently happened. Wife was the passenger in a rental car driven by our friend. The friend rear ended someone and my wife broke both her hands when the airbag deployed. Thankfully everyone is ok otherwise but my wife had to have a surgical pinning of her broken fingers and could not work for 4 weeks. She is now having physical therapy.

Our friend was found at fault as a ticket was issued by the police. Wife's medical expenses were covered by workman's comp bc this trip was work related but will not cover her time lost from work.
Friend's insurance company did call and say something vague about "covering pain and suffering". We do not want to sue our friend and we thought we'd take anything that was offered by the insurance company (nothing offered as of yet). Our friend is worried if we take any money he thinks insurance rates will go way up. We would probably be OK without any money

Will the insurance company offer any compensation? What is the time course for these things?

If we accept an offer will the rates for friend's insurance go up even higher?

Personal Finance Deals
K2 Raider Snowboard Boot $99.95 + Free shipping
Added on : Friday November 08th 2013 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 140 Replies: 0 K2 Raider Snowboard Boot $99.95 + Free shipping

http://www.usoutdoor.com/deal/

The K2 Raider Boot is the perfect mens snowboard boot for setting the BOA standard. You will be glad that you chose the Raider boot since nothing beats the Boa lacing system for ease of tightening combined with the Boa Coiler liner lacing for a perfect fit. The Raider boot comes with the Intuition Comfort Foam 3D liner, and the industry renowned EVA insole. You can bet you will feel the added performance of the Low-Pro outsole. You will be satisfied to put your foot into a boot that provides comfort all day long.
Clothing Deals
creditor refuses to correct credit error
Added on : Wednesday November 06th 2013 07:00:09 PM
g: 0 Posted By: gloreglabert
Views: 23 Replies: 0 Trying to clean up a credit report situation for a family member (let's call her Mary), which is as follows: Mary had a joint checking account with her ex-husband Bob, which was associated with an overdraft line of credit. Over a decade ago, Mary was taken off the joint account. Bob passed away several months ago and left the LOC nearly maxed out, which Mary knew nothing about since she was no longer on the account. However, for some reason the overdraft LOC has remained on Mary's credit report the entire time even though she has not been on the account in years. Since Bob has no longer been making payments on the LOC, the account went delinquent and has started wreaking havoc on Mary's credit. The LOC is several thousand dollars and so simply paying it off is not ideal.

The creditor refuses to correct the error, and responded to a formal letter requesting all information in accordance with the Fair Debt Collection Practices Act (e.g., nature of debt and supporting documentation demonstrating ownership) with essentially a form letter simply saying the debt was valid, and provided none of the requested information. Disputes with the credit bureaus ended the same way (claiming debt was validated), presumably because the creditor simply gave them the same meaningless response.

Not sure how to proceed from here. Do I go after the creditor, the CRAs, or both? I'm guessing there are grounds for suing at this point but not sure the best way to go down that road.
Question Deals
g: 1 Posted By: bittul
Views: 63 Replies: 0 Linky

Check the $4 coupon checkbox (ignore the $30. It does nothing).

$39.95 - $4 = $35.95 + Free Shipping.

BUT! See below for an option to get it for $29.50! (=some fun and games )
Encourage healthy brushing on their own

KidTimer trains to a 2 minute brushing routine
Increases brushing time slowly over 90 days , building towards the dentist recommended 2 minutes.
KidPacer
Fun sounds encourage kids to brush the front and back of both upper and lower teeth.
2 Kid-friendly power modes
Gentle cleaning that's right for different ages. Low mode for ages 4+ and High mode for 7+.
Better results guaranteed!*

Includes

2 brush heads for ages 4+ and 7+
2 sizes that are specifically designed to gently clean and protect teeth at key developmental stages.
3 interchangeable panels
So kids can customize their toothbrush
1 rechargeable handle
1 sturdy charger base with brush head storage

Features:

Anti-roll shape
Allows kids to apply toothpaste while the toothbrush is laying flat.
Multi-Grip Design
Ergonomically designed to enable parents and kids to brush together or on their own.
Rechargeable
No batteries to replace
Results you can trust
This Sonicare has been expertly designed for growing kids in order to encourage healthy habits and deliver outstanding results- even when they are brushing their own.



~~~~~~~~~~~~~~~~~~~~~~~
If you're a "new" customer to drugstore.com, you can stack this with their $5 (off $30) or $10 (off $50) new customer discount. Bringing the price down to $31.

Note: You'll need to enter zip-code and click "get estimate" to see discount. Also, your pre-authorization charge might not include this discount -- this is normal, and actual charge reflects all discounts.

But being as the $50 (for $10 off) is calculated from the pre-coupon price, we're only $10.05 short of saving another $5.
So, either add $10 of your own filler items (for a total of $36), or add "random" items that have a high coupon/price ratio and make your total even cheaper.
[Example scenario: Add two Clairol Hair Colors ($3.49 ea), and a CoverGirl Eye Shadow ($3.09). Your total should now drop to $29.52!]
Free Kindle Novel - Blue Hole Back Home (was $13.99)
Added on : Tuesday November 05th 2013 02:00:09 AM
g: 0 Posted By: remick
Views: 172 Replies: 0 http://www.amazon.com/Blue-Hole-Back-Home-ebook/dp/B005MT8RZO

"Sacred's not a word I've ever much liked. But maybe some things, and some places, just are. And maybe the Blue Hole was one of those things."

Shelby (nicknamed Turtle) never had any female friends. But when a mysterious girl from Sri Lanka moved to town in the summer of 1979, Turtle invites her to a secret haven: the Blue Hole. Turtle has no idea now much that simple gesture will affect the rest of her life, or the lives of those she loves.

In a time when America was technically well beyond the Civil Rights era, there were those in Turtle's small Appalachian town who rejected the presence of someone different. And in just one summerin a collision of love, hate, jealousy, beauty, and a sacred, muddy swimming holenothing and everything changed.
Books Deals

Amazon Coupons
ACA Subsidy, with volatile and complicated income stream?
Added on : Monday November 04th 2013 03:00:06 PM
g: 0 Posted By: TravelerMSY
Views: 0 Replies: 0 How are you supposed to choose a ACA plan for 2014, if you have a volatile income stream and don't know if you'll qualify for the subsidy or not?

From what I am reading, they try to estimate it based on 2013 or even 2012 income, but it ultimately gets reconciled on your 2014 return. To further complicate matters, I'm in a state that didn't expand Medicaid, so there' nothing for me if MAGI falls under 11k. And it does look like there are caps on how much you're required to pay back if you judge your income incorrectly but still have income < 400% fed poverty level.

I do have some latitude to boost my AGI through doing Roth conversions if I have a low income year. And is the subsidy separate from what you actually spend on premiums? IE- do you still get the max amount of subsidy even if you didn't spend it all on premiums?

Sorry for another ACA thread.
Stopping unwanted guests from visiting property?
Added on : Friday November 01st 2013 08:00:11 AM
g: 1 Posted By: MrSamsung
Views: 282 Replies: 13 I've been having an issue with a specific organization on one of my properties. I have some great renters I want to keep, but I might lose them because of this (I posted the name of the organization earlier but it's against FW rules so I am keeping this generic). The family in the home is a family of four, young parents and two small kids. They have a lot of friends and family visit on weekends because of the little ones, but every other Saturday morning these folks knock on their door. The problem is that they usually are bathing their children or changing their diapers, and they think there are visitors at the door so they drop everything to answer the door only to see unwanted guests. They've told them they weren't interested, asked to be on a do-not-call list, but their requests have gone nowhere. They've even spoken to someone high up in the organization that is supposed to be able to stop these things, but the people knocking on their doors continue to rotate (i.e., they are different every week) and don't care.

They've asked me (as the landlord) to figure out how to stop them from coming by. I actually installed a sign specifically targeting this organization to stop coming, but they still showed up pretending like they didn't see it and walk away. I guess I could make the sign larger but it wouldn't look very good in the neighborhood. I called the city's non-emergency line but they basically told me there was nothing else I could do. I dropped off a letter to the local organization asking them to stop visiting the home, but they are still ignoring it.

My tenants have started to look at other places to rent (they refused to sign another lease with me because of this specific issue). They are paying ~15% over market rate, and even setup ACH pushes to my account for rent payment. They take great care of my property (mow/water the lawn, clean everything etc..) and I would hate to lose them. Does anyone have any ideas?
Discussion Deals
g: 1 Posted By: VivYip
Views: 182 Replies: 0 Sears has valvoline wipers on sale at 50% off

Sears Valvoline Wiper Blades page

The pricing could be better (starts at $3.24 and then goes up), but it's better than nothing. Hope this might help someone. Thank you for reading.
Auto Parts Deals

Sears Coupons
g: 0 Posted By: INSANECANE
Views: 0 Replies: 0 Click me

Product Description

Nothing makes the statement "Pro guitarist has arrived" in the studio or on stage quite like a doubleneck guitar. If you're looking to conquer miles and miles of new sonic terrain, the PXCB612BK Doubleneck Bich delivers with maximum style and impact. Its bloodline can traced to the late-'70s, early-'80s era B.C Rich Classic lineup, but make no mistake: this guitar is all business. Its form, function and tone-shaping abilities scream sophistication.

Its dual neck-through mahogany body design provides lightning-fast access to the highest frets on its 24-fret two-octave necks, and comes standard with two sets of B.C. Rich B.D.S.M. pickups. The lower neck is strung up as a tradtiontional 6-string guitar with a simple volume, volume, tone and 3-way pickup selector; it also features a fully adjustable B.C. Rich Quad bridge. The upper neck of the Bich is strung as a 12-string with rear-mounted tuners below the bridge. A 3-way toggle lets you choose which neck is active. The Doubleneck Bich is a guaranteed showstopper.
Features
Both a 6-string and 12-string in one killer axe
Nato mahogany body with dual set neck-thru construction
Two maple necks with rosewood fingerboards and ultra-fast-access body joints
24 frets on each neck with easy-to-play inlays and 24-5/8" scales
Powerful B.C. Rich humbuckers and intuative electronics
g: 1 Posted By: comprx
Views: 216 Replies: 1 Link $450 - $50Rebate

4th Gen i5, U-series so clocked lower but energy efficient: 1.6GHz w/ Turbo to 2.6GHz. No optical drive included, which seems to be driving the user ratings down at TD. RAM and HD capacity are nothing to shout about, but should be easy to upgrade. Rebate limit is 3, but product page appears to limit purchases to 1.

$490 at Amazon, $500 at Newegg (OOS).

5% ShopDiscover + 5% bonus for online purchases w/ Discover knocks it down another $45.
Laptops Deals

Tiger Direct Coupons
Creating earned income for my infant for IRA purposes?
Added on : Monday October 28th 2013 04:00:15 PM
g: 0 Posted By: djtitati
Views: 58 Replies: 2 I'm admittedly lacking in knowledge about this stuff, so I'm hoping FWFers can help me raise my daughter the FW way.

I'm curious to know if I can create earned income for my daughter, currently one, through garage sales as she grows up. Since she received so many gifts (toys and clothes, etc), we will treat these items as her possessions. If we had a garage sale in a year or two, would it be absurd if I treated the proceeds as her money? Is this a grey area? What if my daughter is 3 or 4 and she actually helps at the garage sale?

I would love nothing more than to set my daughter up with some good old-fashioned index funds with 60 years for compounding to work its sweet, sweet magic.

Is this a pipe dream or something I can easily make happen?
Personal Finance Deals
Experience with PenFed competency?
Added on : Monday October 28th 2013 07:00:13 AM
g: 0 Posted By: BenH
Views: 0 Replies: 0 Just curious to those of you who have used PenFed for any banking needs. I opened up an account with them about 2 months ago. I'm not really considering using them for my main financial institution, but wanted to become a member to take advantage of any mortgage/credit offers that I might need in the future.

The whole experience has been a little wonky. In establishing accounts they have mis-routed my paperwork causing delays in checking account opening, requested information multiple times, etc.
Additionally, they are telling me that our debit cards (my wife has joint ownership) have to use the *same* PIN. We must have like half a dozen joint accounts with other Financial Institutions (including CUs) and never before have I heard that you can't have different PINs on each account owner's card.

Anyway - this is all most minor inconvenient things - nothing drastic, but my gut feeling is that they aren't very professional in their dealings (my feeling from interacting with them) and don't seem to be "up-to-date."
I'm just concerned in putting more faith into other products if/when I need them.

I know they offer good rates - and maybe that is enough to make up for these inadequacies.

Wanted to know if my experiences are isolated, or if others have the same feelings about their service.

thanks.
Should I put 0 or 1 on my w-4?
Added on : Thursday October 24th 2013 07:00:10 AM
g: 0 Posted By: Muniee
Views: 186 Replies: 2 I'm 26, single, and own nothing. I have 50k in student loan debt, and have never filed my taxes before. I currently make $8/hr + commission, which option makes more sense 0, or 1?
Personal Finance Deals
g: 0 Posted By: badsister
Views: 70 Replies: 0 I've been calling around trying to find a 0% BT with 0% fee, and there's absolutely nothing aside from Chase Slate.

I decided to give Barclay's a call, even though I havent used their NFL card in over a year...and they offered me 0% thru December 2014 with a 1% BT fee.

My husband and sister also have this card, but the offer was not available to them, so YMMV.

If interested, call customer service at 866.421.8004.

FYI: BT takes 7-10 business days to process.
Credit Deals
Prescription filled with wrong strength medication.
Added on : Wednesday October 23rd 2013 12:00:06 PM
g: 1 Posted By: couponking1953
Views: 193 Replies: 5 My mother takes a blood thinning medication and has done so for the last couple of years. Her prescriptions are filled with a 90 day supply using a national drug store chain in-store pharmacy. For the last week or so, she started to get nose bleeds that were difficult to stop, she scratched herself and it took very long to stop the bleeding and the other day there was blood in her urine.

A trip to her doctor and some blood work later, it was discovered that her blood had become much too thin. Nothing had changed in either her daily routine or her diet so we were all puzzled about the change. Another visit to the doctor, she brought all of her prescriptions and it was discovered that the pharmacy filled her blood thinner medicine at a strength greater than what was prescribed. The bottle stated one strength, I believe 4mg, but the pills that were dispensed were 6mg. She had been taking this stronger medication for a couple of weeks since getting the prescription filled. Her doctor believes this increased dose of the blood thinner was the cause of the dramatic change in her blood.

We now have her on the correct strength medications and are limiting her activities to try to prevent her from having even a minor accident. The pharmacy (again a national chain) admitted their mistake and said they were very sorry and to reflect on how she is a valued customer, did not charge her for the replacement medications (which are generic with a cost of $10). Of course her health is the priority here and we hope and pray she will be ok, but this lack of concern by the store has our family just a little sour . We are collecting the expenses related to their mistake for the doctor visits and additional tests but there has been no attempt by the major chain to step up and offer to take any financial responsibility for their mistake or even a follow up to check on her.

I have some thoughts on how we might proceed with this but would welcome any advice from this forum. We would like to do what is right to hopefully prevent this from happening to others.

Thanks!





Discussion Deals
g: 5 Posted By: archena
Views: 1715 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
Books & Magazines Deals
Buying a home with Mother In Law Supplying down payment
Added on : Monday October 21st 2013 01:00:08 PM
g: 0 Posted By: rxyl
Views: 149 Replies: 3 My fianc and I have recently been talking about purchasing a house. His Mother offered to put down the 20% for our down payment. I asked him what she expects out of doing this for us and he said "if anything she would like the tax benefit of being on the mortgage." I have no idea what this means. It actually makes me a bit uncomfortable that she would be on the mortgage to begin with. It wouldn't really feel like it would be our home. I think his expectation would be to add her to the mortgage for financial, interest rate and tax purposes. I am completely new to this and want to do all of my research before I agree to anything. Can you please point me in the right direction. What would be the best way to go about this if we were to accept her help with the down payment? I am completely unsure how to go about this and know nothing about owning a home as this would be my first. Thanks for your help!
Personal Finance Deals
g: 0 Posted By: VivYip
Views: 10 Replies: 0 Sears has valvoline wipers on sale.

Sears Valvoline Wiper Blades page

The pricing could be better (starts at $3.89 and then goes up), but it's better than nothing. Hope this might help someone. Thank you for reading.
Air Hogs Sharp Shooter Helicopter $15 (reg. $40) @Kmart.com
Added on : Sunday October 20th 2013 02:00:02 AM
g: 0 Posted By: surfing4dough
Views: 161 Replies: 0 Air Hogs Sharp Shooter Helicopter -silver/black

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Perfect for Christmas. They are usually overpriced IMO but nothing to lose at this price.
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FREE Kindle Book - Bouncing Back: The Life of Bill Bartmann was $8.50
Added on : Friday October 18th 2013 06:00:07 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
g: -1 Posted By: denco
Views: 151 Replies: 0 3 movies for $30 - TCM SHOP - With code: 3FOR30 - plus shipping.

Shipping for 3 was $5.95 for me.

Choose from:

4 Film Favorites: John Wayne DVD
Wizard of Oz: 75th Anniversary DVD
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Bringing Up Baby DVD
4 Film Favorites: Dirty Harry Collection DVD
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Every Which Way But Loose / Any Which Way You Can (Double Feature) Blu-ray
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Spinout / Double Trouble (Double Feature) DVD
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Steve McQueen Collection DVD
Stroker Ace / Hooper / Sharky's Machine (Triple Feature) DVD
Sweeney Todd: The Demon Barber Of Fleet Street DVD
The American President / Dave (Double Feature) DVD
The Audrey Hepburn Collection DVD
The Bachelor (1999)/In Love And War DVD
The Big Stampede / Ride Him Cowboy / Haunted Gold (Triple Feature) DVD
The Color Purple DVD
The Four Feathers DVD
The Frisco Kid DVD
The Gathering / The Gathering II DVD
The Gathering DVD
The Great Ziegfeld DVD
The House On Haunted Hill Double Feature DVD
The Ice Pirates DVD
The Last Castle DVD
The Long Kiss Goodnight Blu-ray
The Man Behind The Gun / Thunder Over The Plains / Riding Shotgun (Triple Feature) DVD
The Marva Collins Story DVD
The Mummy Lives DVD
The Music Man (1962) DVD
The Outlaw Josey Wales (Digibook) Blu-ray
The Stooge DVD
The Wild Bunch: Director's Cut DVD
Twisted DVD
Under Siege Blu-ray
Valentine's Day Blu-ray
Who's Afraid Of Virginia Woolf? DVD
Year Of The Dragon DVD
You've Got Mail Blu-ray
Zodiac: Director's Cut Blu-ray

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Biltmore House (Asheville, NC) Full Year Access for $99
Added on : Wednesday October 16th 2013 02:00:03 PM
g: 0 Posted By: atraincar
Views: 261 Replies: 0 Save $50 on an Annual Pass to Biltmore House in Asheville, NC. for only $99 if purchased between 10/16/2013 and 10/29/2013 and mentioning "Pass Email Offer" when you call or visit the Reception & Ticketing Sales Center.

Nothing is more beautiful than Biltmore House at Christmas and they have wonderful concerts in the Spring!Exclusive Offer: Save $50 on an Annual PassEnjoy a year of Biltmore and exclusive benefits for only $99. Just mention "Pass Email Offer" when you call or visit the Reception & Ticketing Sales Center. Offer good 10/16-10/29/2013.
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Passholders have unlimited daytime visits for a year and discounts on family and friends' tickets.
Restaurants & Entertainment Deals
Emotiva "high-end" audio equipment sitewide Halloween sale
Added on : Tuesday October 15th 2013 01:00:02 PM
g: 0 Posted By: cga
Views: 87 Replies: 0 This 'hot deal" is for pseudo-audiophiles on a budget. All those loooking for inexpensive home theater receivers, etc. for two or three hundred dollars will need to look elsewhere.

Emotiva is a fairly new high-end audio manufacturer and direct seller. Well, actually I believe their products are manufactured in China, but not designed there. Serious audiophiles don't consdier Emotiva true audiophile quality mainly because their prices are far too low. Audiophiles will routinely pay $1000-$10,000 for speaker cables and interconnects. Emotiva sells 300w x 2 power ampliers for $800, for example. And good ones, at that.

Emotiva has several sales each year. Usually one for each major holiday. I'm not sure Halloween is a major holiday, but they're running a sale now. I couldn't find an expiration date, but I know from experience sometimes they run out of product before the end of the sale. However, if you e-mail them and ask nicely, they will often extend the sale price until their next shipment arrives. This is how I bought my XPA-2 two-channel amplifier. For the money, I don't think you'll be able to find a better, or even equivalent, new two-channel power amplifier this powerful and this refined. For most of us it will be overkill, because it's a monster, but I still love mine (for the value and performance). I recommend the USP-1 preamplifier to go with it. There's nothing to match this two-channel preamplifer for the price (new).

Take note that many of Emotiva's products have a five year transferable warranty, which is a major advantage.

Their products hold up well on the used marketplace. The USP-1 preamp is available now for $369 (shipped, no tax). You will frequently see used examples on eBay and audiogon selling for $275-$325...and actually selling for that price. Plus shipping. So if you buy one and don't like it, you won't lose much if/when you sell it.

Many of their products are on sale now. This is the largest discount you will find on Emotiva products. At least I have never seen or heard of better discounts than during their sitewide sales events.

The two pieces that caught my eye are the two Emotiva products I own:

Stereo Preamplifer, 2 channel, USP-1, $369.00 was $429.00 http://shop.emotiva.com/collections/processors/products/usp1

Stereo Power Amplifer, 2 channel, XPA-2, $799.00, was $899.00 http://shop.emotiva.com/collections/amplifiers/products/xpa-2-ge...

Emotiva's home page is at emotiva.com .
Home Theater & Audio Deals
Free- Chasing Mona Lisa: A Novel [Kindle Edition] was $15.00
Added on : Sunday October 13th 2013 12:00:02 PM
g: 0 Posted By: remick
Views: 120 Replies: 0 http://www.amazon.com/dp/B005PQUWVG

It is August 1944 and Paris is on the CUSP of liberation. As the soldiers of the Third Reich flee the Allied advance, they ravage the country, stealing countless pieces of art. Reichsmarschall Hermann Gring will stop at nothing to claim the most valuable one of all, the Mona Lisa, as a post-war bargaining chip to get him to South America. Can Swiss OSS agents Gabi Mueller and Eric Hofstadler rescue DaVinci's masterpiece before it falls into German hands?
Books Deals

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BOGO Sale at BudK.com Cheap machete, axes, knives
Added on : Saturday October 12th 2013 08:00:04 PM
g: 0 Posted By: StueyG
Views: 90 Replies: 0 Link to website Nothing fancy here - but if you want a cheap machete, knife or axe they have a few decent looking items. Free shipping with code "WOOT269"
Sports & Outdoors Deals
Significant cash - how/where to invest at this time?
Added on : Saturday October 12th 2013 02:00:11 PM
g: 0 Posted By: quana
Views: 35 Replies: 1 As you will see from below, I did something that has turned out be the lifetime pinnacle of financial stupidity albeit in retrospect. I have experienced enough pain to realize that I need to go to a financial planner and I am meeting few over next two weeks to select one (I am considering only fixed-fee planners). I am posting here to prepare myself for these meetings to be able to have a somewhat educated discussions. Browsing this forum as a lurker for quite sometime, I am hoping I will find a broad spectrum of useful opinions and suggestions. Thank you in advance for your help. And since I have already accepted my stupidity, I would appreciate only constructive remarks to stop and mitigate the damage already done. As far as beating on me, I do that enough of it myself and need no help

I was able to get through the worst of the Great Recession but finally panicked in July 2010 and went to all cash in my investment accounts. S&P that day closed at 1024. I am a news junkie and the sky-is-falling cry not only got to me then but has kept me out of the market since. The fear of the recession was replaced by the fear of QE-fueled bubble. My brain chemistry, torched by the tech and housing bubbles, has not dealt well with the prospect of a QE bubble, imaginary or real. So here I am with significant cash in my accounts (no stocks or bonds whatsoever). Everyday market goes up, I feel the pain that is almost physical now. Hence, the decision to finally seek help. So I have a simple question for the savvy crowd here: if you were sitting on significant amount of cash and nothing else and this accounted for all your savings, how would you deploy it at this point in time when the stock market is at a historic high and a bond market that is just waiting to be crushed at the mid-to-long end once the QE fumes subside? I understand the status quo can continue for a very long time, but would feel very foolish to invest in with now and lose 20-30% in coming years.

Having sat out the biggest rally of my investing lifetime, here are the choices confronting me:

(1) Should I just sit on sidelines for this bubble to eventually burst? That is, is it too late to get into the market for now? Isn't my upside much lower than downside (although one can only speculate)?
(2) Should I dollar cost average into risky assets (stocks and bonds) over next few months at market dips such as the on seen earlier this month? This would entail investing my savings and then just close my eyes and let everything go on autopilot until I retire about 15 years from now. If I go this route, what should be my asset allocation to cash, stocks and bonds (for reference, most target date funds for my age are currently recommending 80% stocks and 20% bond funds). I understand that bond funds have lower volatility but what is the rationale of owning them right now if they can only go down in value. Wouldn't QE bubble burst finally take away the flight-to-safety argument that supports bond valuations and make the two asset classes (stocks and bonds) very much correlated on their way down if and when this happens?

Am I over thinking?





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Maidenform Underwire Bras (Size: 32A, 34B, 36A-C): 2 for $10.50 shipped
Added on : Saturday October 12th 2013 10:00:04 AM
g: 0 Posted By: bittul
Views: 249 Replies: 0 Price each is $10. Add 2 to cart, and price drops to $10.50 for TWO.

Shipping is free!

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Official Free Ultraviolet Movies Thread
Added on : Friday October 11th 2013 11:00:03 PM
g: 0 Posted By: Reots
Views: 59 Replies: 0 VUDU.com HDX Starter Pack - Get 5 Free HDX movies with New Sign-upLink

Titles include:
Star Trek
G.I. Joe: The Rise of Cobra
Man on a Ledge
Safe
Mission: Impossible Ghost Protocol
Footloose (2011)

https://www.targetticket.com/uv-promotion

Free titles to choose from:

21 Grams
Alien
Blow
Cold Light of Day
Conspiracy Theory
Crocodile Dundee
Crouching Tiger, Hidden Dragon
Ferngully: The Last Rainforest
Ghost
Hall Pass
Independence Day
Johnny English
Legends of the Fall
LEGO: The Adventures of Clutch Powers
Man On A Ledge
Mars Attacks!
Master and Commander: The Far Side of the world
Mona Lisa Smile
Office Space
Paranormal Activity
Radio
Rango
Rudy
Soul Survivors
Space Jam
Stir of Echoes
The Arrival
The Italian Job
The Producers
The Tale of Despereaux

http://www.cinemanow.com/uv-promotion

Same as above, can pick 10 different movies

Make sure to use the same Ultraviolet account with all of them. Easiest way is to sign up for Vudu first, note the ultraviolet account/password that is created when you sign up and then use it with the other services when they prompt you for the UV info. There should always be a sign in option for the UV account when you sign up for a new service, this is different from the login info for the service. They will all require a CC to sign up but nothing will be charged or billed, it is for buying or renting additional movies on their sites.

If you have a Blu-ray reader in your computer you can add Blu-ray movies to your Vudu account for $2 each, $1 each if you add 10+ at a time. You can add DVDs for the same price or upgrade the Ultraviolet version to HDX (1080P) for $5 or $2.50(10+, can mix or match with Blu-rays). Most major studio movies are eligible, almost no music videos or smaller releases are.

http://www.vudu.com/in_home_disc_to_digital.html



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Intel Core i3-3220 Processor - $109.99
Added on : Friday October 11th 2013 09:00:09 AM
There's nothing like the Intel Core i3-3220 Processor to meet the industry's need for powerful performance.
Best Buy $5 Savings code with $50 In-store Pickup Order 10/11-10/14/13
Added on : Friday October 11th 2013 06:00:05 AM
g: 1 Posted By: impasse
Views: 267 Replies: 0 Here's How it Works

Place an order of $50 or more on BestBuy.com Friday, October 11 through Monday, October 14.
During checkout, choose Store Pickup or Ship-to-Store and select your store.
Once your order is ready for store pickup, you must pick up your item(s) within 8 days.
The savings code will be e-mailed to you on or after October 21.
Redeem your savings code by November 2, 2013 in store or online on your next purchase.* No minimum purchase required for redemption.
Note: not all products are available for Store Pickup or Ship-to-Store.

*Code must be redeemed by November 2, 2013. Present this code to the cashier at the time of purchase and the available balance will be applied toward your purchase. To redeem at BestBuy.com, enter the savings code, found in your savings code e-mail, at checkout. Redeemable in any U.S. Best Buy retail location or online at BestBuy.com. Excludes Marketplace items, Magnolia Home Theater, Pacific Sales, and Geek Squad services. Code carries no service or administrative fees. Not redeemable for cash except where applicable by law. Lost, stolen or damages codes cannot be replaced. Not a credit or debit card. Not valid as a payment on Best Buy credit card. Not reloadable. Call 1-888-716-7994 with questions. All terms enforced except where prohibited by law.If this is like previous offers, the "code" may arrive at an arbitrary time versus what is stated (usually within a day after pickup is completed), and the code will effectively be an e-gift card code with an expiration date. Tried to place an order for in-store pickup meeting the minimum requirements but nothing showed on the checkout screen. Might try again later, since I think for previous offers there was no indication it would be applied. If nothing else I guess I can always just return everything, though. Don't know if you can split up the transaction to have just one minimum in-store pickup item; perhaps someone with experience on previous offers can chime in. I'd assume they've fixed the multiple orders bug from before, as well (where the number of codes correspond to number of orders).

Link: http://www.bestbuy.com/site/global-promotions/savings-code-offer...
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Best Buy Coupons
g: 1 Posted By: jarhead6153
Views: 189 Replies: 1 GUNS: Vortex Strikefire Red Dot Scope and AR-15 BCG $199+ship @ palmettostatearmory.com

Here ya go...

Vortex StrikFire DescriptionWhen the situation demands fast shooting, a big scope with a narrow field of view just won't cut itchoose the StrikeFire red dot and shoot with both eyes open. With unlimited field of view and eye relief, nothing gets you on target faster than this tough, compact red dot scope.
Optic has option for both RED/Green Dots.
High recoil caliber ratingtested with .375 H&H Magnum for 1000 rounds.Included extra-high 30mm ring puts scope's bore center 37 mm (1.46 inches) above the base height. Commonly used for mounting with a Flat Top AR15, providing lower 1/3 co-witness with iron sights

Bolt Carrier DescriptionMade in USA. Bolt is made of Mil-spec Carpenter 158 steel, Shot peened, High pressure tested and Mag Particle Inspected. Gas key is machined out of bar stock, chrome lined phosphate coated, and secured with grade 8 fasteners and staked per mil-spec. Bolt carrier is phosphated outside and chrome lined inside. Laser engraved with the PSA logo.



Guns & Ammo Deals
$30 all you can eat (Data, Voice, Text, Video..) - any takers?
Added on : Tuesday October 08th 2013 05:00:02 PM
g: 0 Posted By: onlypinkfloyd
Views: 3 Replies: 0 anyone FW try this? it will great if you can share your feedback on this forum i.e. if you have successfully managed to pull this off!
Of course, the FW effect would be T-Mobile shuts down their $30 unlimited data plan, google cancels their 'voice' or starts charging for it

http://www.wired.com/gadgetlab/2013/10/the-tech-block-cheap-data...
How to Get Unlimited Talk, Text, and Data on an iPhone for $30 a Month

By Abdel Ibrahim
10.08.13
3:46 PM

http://www.wired.com/images_blogs/gadgetlab/2013/10/valcarcel_thingswelove_8.jpg
Photo by Josh Valcarcel/WIRED
http://creativecommons.org/licenses/by-nc/3.0/

This post was written by Abdel Ibrahim of The Tech Block, and is shared here with permission.

The Tech Block is a site that finds and promotes the most important tech articles and news from around the web, serving them up on a single clean, colorful page. Check them out, and follow @TheTechBlock on Twitter. You can also follow the author Abdel at @abdophoto.

Remember when your cellphone bill was $30$40 a month? If you do, you probably werent using a smartphone.Its no surprise that our phone bills have increasingly become more expensive over the past decade. Today, you cant really own a smartphone unless youre willing to shell out at least $70 a month. And even then, it usually means that youre making some sacrifices to your data plan, your minutes, or your text messages.I wanted to figure out how to own a smartphone, and pay as little as possible to use it without worrying about overages. After digging around I figured out a way that costs only $30 and gives me unlimited everything. Yes, thats right. Unlimited talk, text, and data. How did I do it? Read on and find out.Heres what youre going to need:

T-Mobile prepaid plan
Google Voice
Talk-a-tone app

The first, and arguably the most important part of achieving this is the actual plan, which is where T-Mobile comes in. What many of you probably dont know is that T-Mobile offers a $30 a month pre-paid plan that includes unlimited data, texts, and 100 minutes. Keep in mind that they only promise 4G/LTE for the first 5GB of usage, but for me thats fine. Im usually within Wi-Fi and in the 6+ years of owning a smartphone, Ive never really went over 5GB.The second ingredient needed is a Google Voice number. Google Voice serves two purposes: First, it allows you to have a phone number thats carrier agnostic. By having a phone number hosted by Google, you can forward any number to call your Google Voice number. In fact, you can port your current number over to Google Voice if you want something I did. Just be aware that if you do that, and youre under contract, youll have to pay your current carrier an early termination fee. Google does a good job explaining this in their video. Ive embedded it below.The second reason for Google Voice relates to the third piece of the puzzle: Talk-a-tone. Talk-a-tone is an app that allows you to log in into your Google Voice account to make calls and send texts over Wi-Fi or data without using minutes. The app doesnt have the best UI, and Ive had calls break up a couple of times, but overall it gets the job done. Whats cool is that if youre using an iPhone and youre running iOS 7, you can further reduce your need for Talk-a-tone by using FaceTime audio with your other iOS buddies. Where Talk-a-tone really comes in for me is when I need to make a regular phone call to a non-iOS device (not very often).There is one small caveat to going this route and thats in the cost of the phone itself. If youre going to go this route, youre likely going to have to buy a phone off-contract. For iPhone users that means spending a minimum of $549 if you want a 5c and $649 or you want a 5s. For Android users, there are some great options out there. You can pay $599 for a Google Play Edition HTC One or S4, or you can buy Googles flagship Nexus phones which start at $249. The Nexus 5 isnt too far away and if Google prices the phone the same way they did the Nexus 4, then youre in business.Ive been doing this for the past 3 months and I have nothing but good things to say. I live in a well-covered T-Mobile area and I tend to get roughly 20mb/s down and 12mb/s up. For $30 a month its hard for me to complain.
$50 gradsave.com 529 donation: $30 @ Groupon ($25.50 after shopdiscover)
Added on : Tuesday October 08th 2013 11:00:05 AM
g: 0 Posted By: squinky86
Views: 414 Replies: 3 Groupon has the GradSave $50 gift card on sale for $30. Shopdiscover has 15% back on Groupon.com; alternatively, you're encouraged to use FatCash.
$30 - $4.50 (discover bonus) = $25.50 for $50 contribution to a 529 fund through gradsave.

Link to Groupon Deal(expires 10/10)

(link to similar old LivingSocial dealfor reference; this isn't as good as the old LivingSocial deal, but it's better than nothing! Note the difficulty many people had in actually withdrawing the funds)
Gifts Deals

Groupon Coupons
$30 for $50 gradsave.com 529 donation @ Groupon
Added on : Tuesday October 08th 2013 08:00:04 AM
g: 0 Posted By: squinky86
Views: 30 Replies: 0 Groupon has the GradSave $50 gift card on sale for $30. Shopdiscover has 15% back on Groupon.com; alternatively, you're encouraged to use FatCash.
$30 - $4.50 (discover bonus) = $25.50 for $50 contribution to a 529 fund through gradsave.

Link to Groupon Deal(expires 10/10)

(link to similar old LivingSocial dealfor reference; this isn't as good as the old LivingSocial deal, but it's better than nothing!)
Gifts Deals

Groupon Coupons
What to do: Parking citation, wrong license written
Added on : Monday October 07th 2013 12:00:06 PM
g: 0 Posted By: frugalpete
Views: 18 Replies: 1 Got a parking citation in San Francisco for parking during the street cleaning time. BUT, the street cleaning sign, which is on a pole above a 2 hour limit sign, is very faded while the 2 hr limit sign is very clear so I didn't see it when i parked (and I returned before the 2 hrs. were up). I took a photo with my cell phone and was about to write a protest letter when I noticed the license number on the citation is one digit wrong, 6XXXYYY instead of 5XXXYYY. Otherwise, the make, body, and color of the car is correct, and the last 4 digits of the VIN that are shown are correct.

So, I'm not sure what to do: protest as I originally planned, or do nothing. If I protest, my car license plate is in the photo, so if my protest is denied they have the correct license. If do nothing, I'm guessing someone else will get a letter of the violation in the mail but obviously the other details won't match so the other person will be ok.

But, do they have my full VIN even though its not completely shown in the ticket (looks electronically generated) and can cite me eventually, with penalties? Will I still be able to protest about the faded sign at that time if they do? The ticket says I have 21 days to request a review.

Another Auto Accident/Insurance Question - On Work Property
Added on : Thursday October 03rd 2013 05:00:09 AM
g: 0 Posted By: Mr0ffic3r
Views: 140 Replies: 3 My Mother recently got into a fender bender, at work, employers parking lot. A co-worker backed into the side of her car. Firm has about 400 employees. This is in Florida.

Being that it was pouring rain, they both agreed to "talk about it" the next day. No cops were called. My mother figured since she works with this guy, and there were 5 witnesses, she didn't want to cause a scene by calling the cops in the pouring rain for an accident where no one was hurt.

She went to talk to the guy the next day, and she asked to get his insurance info. He refused and said it was her fault. (Her car was not moving; guys rear bumper scraped the entire side of my moms car.) My mother was flabbergasted and called me for advice. I told her to call the cops so they can come out, look at the damage, and get the guy to share his insurance info. The cops said that because the accident happened in the past, she can only fill out an accident form and send it to the state. She did that, it's been over 2 weeks, nothing heard back yet.

Also told my mom to get her insurance involved, since that seems to be the general FWF advice. She has the guys name, number, place of employment (duh), witness, pictures, license plate into, the form she sent to the state (accident report), etc... Our Insurance says they cannot get the guy's insurance info. He wont pick-up their phone calls either. He has been avoiding everyone at work as well, no socialization at all since the accident. This is an older guy around 70 years old that drives (get ready) a FWF favorite Crown Vic automobile. My mom went to inquire with HR/Management to see if anything can be done (figured itd be worth a shot since it happened at work, on work property) but all they did is talk to the guy to share his insurance info, but again he refused. I had my mom get some estimates and its about $2k-$2.5k worth of damage ($500 deductible) if we end up going through our insurance to get it repaired.

Any suggestions before I recommend she just get it fixed via her insurance and consider this a lesson to ALWAYS call the cops?
Personal Finance Deals
Loan to Liquor/Beer store
Added on : Thursday October 03rd 2013 04:00:11 AM
g: 0 Posted By: zimma13
Views: 211 Replies: 9 I know someone who owns 2 liquor/beer stores outright and 50% of a third store (no loans, mostly cash business). He is buying a 4th store. I can loan him $20,000 at 25% for 1 year secured by one of the existing stores (not the new one). Written up in a contract and paid in cash each month (no taxes). If we mutually agree, the loan can keep rolling in yearly increments. He lives in my neighborhood. I sometimes get free beer already.

1. Would you do it?
2. Anything I should look out for to include in the contract to protect myself?
3. He only wants a loan, not for me to own a % of the store. Note I will do nothing but lend the money. He is the one that does all the work.

The alternative is that I buy a rental property which won't have as good of a cash return (once rented)but is secured by real estate andI hope the value increases. This is in Florida so $20k can nearly be 20% down on a house.

Personal Finance Deals
g: 0 Posted By: invisible
Views: 1 Replies: 0 Anyone know comparison of benefits (CashBack) of AAA Platinum Plus Visa (BOA) vs. Better Balance Rewards Card (BOA) -- which yields better?

I have the AAA Visa (MBNA to now BOA) that yields almost nothing except occasional 5% gas offers that are in addition to any periodic category purchase deals.

Thinking of converting from AAA BOA card toBetter Balance Rewards Card (BOA) for the $25 + $5 = $30 quarterly benefit -- good choice or better options?

Anyone see holes or cons of not doing so? Idea is to setup monthly $1 payments and auto pay offs to achieve above benefits that seem better than the normal 3-2-1 or other benefits from BOA....

Thanks for any pointers, in advance!
g: 0 Posted By: VivYip
Views: 78 Replies: 0 credit dealnews

Kmart has this item (tank only, nothing's inside) for $13.99 with in-store pickup.

Worthington Worthington 20 lb. Gas Cylinder with Overfill Prevention
Kmart Item# 028W111457110001 | Model# 281247

Product Description

Equipped with an Overfill Prevention Device (OPD). Connects to all standard or quick-connect couplings on new and existing gas grills, stoves, lanterns and heaters utilizing a 20 lb. cylinder.
All gas containment welds are performed with automatic MIG or submerged arc welding processes. Pretreated with a chemical wash to improve corrosion and paint adhesion. Clean, dry and scale free interior and exterior to minimize odorant fade and maximize coating quality. Manufactured to DOT specifications
It features overfill prevention and connects to all standard or quick-connect couplings on new and existing gas grills, stoves, lanterns, or heaters utilizing a 20-lb. cylinder.
Note: This is for the tank only; no gas is included.

Hope this might help someone. Thank you for reading.
Home & Garden Deals

Kmart.com Coupons
Free $25 KIVA credit to give out as micro-loan. Lets do this again!!
Added on : Tuesday October 01st 2013 08:00:06 AM
g: 0 Posted By: jigsaw1975
Views: 216 Replies: 0 Note to FW Moderators: This is a charitable link. The person and I will both get $25 to loan out to poor needy folks. When the loan is paid back, it goes back to Kiva. We have nothing to gain from this.

The last time I posted this, a total of $3750 was loaned out to the needy. I have been a KIVA advocate for quite some time using my own personal money.

Lets try this again after the previous successful campaign.
Click here to give out FREE $25 to the needy through micro-financing.

*for new KIVA members
Totally Free Deals
g: 7 Posted By: archena
Views: 2742 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase


220 Raw Recipes - A complete guide to raw enzymatic diet, secrets and lifestyle [Kindle Edition] was $9.99

Dimitris Raw Vegan Chef (Author)

http://www.amazon.com/dp/B00ENGBIF8

Publication Date: August 18, 2013

4 Reviews ★★★★★

#4 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Vegetables & Vegetarian

450 pages full of everything you need to know about Raw food diet and lifestyle!
Preparation techniques and secrets,
Kitchen appliances,
Methods, facts and benefits of raw diet,
Learn about soaking, sprouting and fermenting,
Make nuts and grain milk, cheese,

Plus

220 unique, original recipes by Dimitris Raw vegan Chef with great pictures!
In this book you will find all the tools you need for your Raw food trip, from the very essential thoughts to the most special techniques.
Dimitris Raw vegan Chef, shares with you all his experience, knowledge and inspiration in this 450 pages Special Raw Diet Guide.
All the recipes included, are unique and 100% tested, with original photos.
Raw vegan versions of classic and traditional recipes from cuisines such as Asian or Greek.
There is nothing you can't prepare in Raw food; plain, classic, easy and special gourmet dishes, soups, desserts, snacks, pies, breads, entrees, main dishes, apetizers, cheese, beverages, it' all, right here in this book for you to try and explore.


Books & Magazines Deals
Shoddy new home construction - next steps?
Added on : Sunday September 29th 2013 11:00:08 AM
g: 0 Posted By: okwiater
Views: 72 Replies: 1 My wife and I contracted to purchase a new home with a local builder in September 2011, and closed on the home in April 2012. We noticed a few issues during construction but they seemed minor and the way the contracts are written there is no way to demand corrections prior to closing.

A few months after closing, the asphalt company laid the topcoat as scheduled. Unfortunately, by the foreman's admission they were "short a couple of guys" and they rushed to get the job completed, and unsurprisingly the result is a sloppy installation that is poorly rolled and has low spots that hold water long enough to freeze during the winter months. We've talked to the builder about it, and they are saying that it is within spec. We followed up with a letter demanding it be fixed (using a template available on our county's website) and they responded in kind with a letter that said they will do nothing about it.

Since then, a few pieces of stone veneer applied to the exterior have also fallen off. The builder's solution is to re-adhere the fallen pieces but a contractor we've had out to look at it is saying it's one of the worst scratch coat mortar jobs he's seen. I'm betting the only way to truly fix it is to take down the veneer and redo it.

Which brings me to wonder what the right course of action is for a remedy. In total, we're probably looking at $15-20k to fix these two issues. But there are also a few other people in the neighborhood dealing with similar issues, and the builder still has another phase of the neighborhood to build.

Here are my choices as I see them:

1. Lawyer up. Could get full reimbursement for remediation, but could also throw good money after bad.

2. File a claim against the new home warranty. This would likely not succeed as we are outside the 1-year "bumper to bumper" coverage.

3. File a claim against the state's new home guaranty fund. This would likely result in arbitration and a labyrinthine resolution process but may result in full or partial reimbursement of remediation costs.

4. Scream from the rooftops. This could involve signs in the front yard to scare away potential buyers, a website and Google AdWords to attract diligent buyers and scare them with truthful negative experiences, etc. If effective, the builder may relent and pay for us to "go away". Or, they could sue us for libel (defensible but a hassle). Or, it could just be a waste of time. It may also piss off neighbors who don't appreciate negative hits to property values.

5. Pay up and move on with life.

So, what would you do in my situation? Any other advice or suggestions? Thanks for any help or perspectives you can offer.
Discussion Deals
50 Ovulation LH Test Strips: $6.38 Shipped (12.8/test) eBay Seller
Added on : Sunday September 29th 2013 01:00:05 AM
g: 0 Posted By: tsipple
Views: 152 Replies: 0 There's an eBay seller with a good reputation that's offering LH (luteinizing hormone) ovulation test strips for less than 12.8 each if you order 50 (1 lot), including shipping. These test strips are for detecting LH which can be a useful indicator to help determine ovulation timing and thus the best chance to conceive a baby. I haven't found the same quantity elsewhere for less than $10 via mail order, and in stores you have to pay $25 or more for this quantity. Bear in mind that they're shipped from Hong Kong, so it'll take at least a couple weeks to get them.

When you buy these test strips at the local drug store, WalMart, Target, etc. you'll see lots of them made in China, so there's nothing unusual about that. They're extremely overpriced at retail stores.

The same seller offers inexpensivehome pregnancy test strips, and you can add some of those to your eBay cart for a combined order, though of course that'll cost a bit more.
Health Deals
g: 0 Posted By: adorable
Views: 89 Replies: 0 http://www.walmart.com/ip/Great-Value-GVRLAS11W27KND-Great-Value...
Tons of these on the shelf here on red tag clearance.

The lowest price I've seen yet on a 60w equivalent LED light bulb anywhere. It is about as bright as a 14w (60w equiv) CFL WalMart light bulb. However, the CRI is lower than the CFL or incandescent, so you'll lose some of the nice colors in anything colorful in your room. (eg. printed magazines of girls - skin tones don't look as pretty)

Also, despite the 2700k rating, it's a touch cooler than expected, so you'll notice it's definitely not as warm as a soft white incandescent or CFL. Plastic ballast area gets hot to the touch just like a regular light bulb or the glass of a CFL. Nothing unusual.

For me, the lower CRI was an issue - I like my printed skin tones 'realistic', so magazines didn't look so good while reading. Works well in a lamp with a yellowish lampshade - can't tell it apart from an incandescent or CFL there.
Home & Garden Deals

Walmart Coupons
Safeway $5 off $20 purchase
Added on : Saturday September 28th 2013 09:00:03 PM
g: 0 Posted By: gd78
Views: 80 Replies: 0 http://www.safeway.com/ShopStores/Offers-Landing-IMG.page

Add the offer under just4u personalized deals​
You must already have a safeway/Vons/Pavillions card so it gets loaded onto the card.
Offer gets redeemed automatically at checkout when you present your card. Nothing to print out.

expires 10/3/13

Get $5 off your next grocery shopping trip at safeway, Vons, Pavillions, Randalls, and Tom Thumb stores located in the United States when you spend $20 or more (calculated after deduction of card savings, store coupons and all other discounts and savings) in qualified purchases in a single transaction between 9/20/2013 and 10/03/2013, using your safeway Club Card, Vons Club Card, Value Plus Card, Randalls Remarkable Card, or Tom Thumb Reward Card, respectively. Qualified purchases exclude: Beer, Wine, Spirits, Tobacco Products, Fuel, All Fluid Dairy Items in the Refrigerated Dairy Section (Including Fluid Dairy and Dairy Substitutes), Prescription Items and Co-payments, Bus/commuter Passes, Fishing/ Hunting Licenses and Tags, Postage Stamps, Money Orders, Money Transfers, Ski Tickets, Amusement Park Tickets, Event Tickets, Lottery Tickets, Phone Cards, Gift Cards, and Gift Certificates; also excludes: Bottle Deposit, Sales Tax and Bag Fee, if any. Limit one (1) coupon per transaction. You pay sales tax on purchases made with the coupon. Coupon must be presented at the time of purchase and cannot be doubled or combined with any other discount or offer. No reproductions will be accepted. Coupon has no cash value and expires 10/03/2013. Void where prohibited by law. We reserve the right to correct typographical, pictorial and other ad errors. Online and in-store prices, discounts and offers may differ.
Home & Garden Deals

Safeway Coupons
Kinivo BTM440 Bluetooth Headset $9.99 Amazon Prime
Added on : Saturday September 28th 2013 08:00:05 PM
g: 0 Posted By: OceanMist
Views: 143 Replies: 0 Kinivo BTM440 Bluetooth Headset
Amazon price shows as $24.99.
http://www.amazon.com/dp/B00COB1YNU/

I simply did this "Enter code OFFERBTM at checkout"
which deducted $15.00 from the $24.99
With Amazon Prime shipping is free. Total price was: $9.99

I have 2 Jawbone Icon HD bluetooth headsets purchased at $50ish. Everyone complains about their sound quality. I haven't replaced them because those were supposed to be good. But for that matter, all of the Bluetooth headsets paired with cell phones I've used have been just barely BTN (Better Than Nothing). Everyone is appreciative when I turn off the tooth and hold the phone up.

I just saw alink in Joe Brancatelli's free email newsletter for business travelers. His email included a link to someone else's review:
"DAVID ROWELL: A GREATBLUETOOTHHEADSET FOR $30
After a disappointing experience with a $130 headset, David Rowell finds a vastly better headset for only $30. Read his review for the headset to avoid and the one to choose. surf to link "

I thought the review did a good job of identifying the cons (not the latest bluetooth version) as well as the pros (sound quality, price).
So I was going to give it a try at $24.99.
Am thrilled to give it a try at $9.99.
I'll use it this week on a trip, will test it vs the Jawbone ICON and post results.

Was going to wait till then to post this, but the offer code might expire.









Electronics Deals

Amazon Coupons
Advice on getting child support
Added on : Saturday September 28th 2013 01:00:05 AM
g: 0 Posted By: NoChildSupport
Views: 28 Replies: 1 Can't believe it's taken me thins long to post here and see if there are other ideas, but here goes....

* Living in Hawaii in 2010
* Sent daughter to overseas boarding school in SEP 2010 because marriage imploding, and we wanted to get her out of the situation.
* Divorced in OCT 2011 in Hawaii family court. Not amicable, but not terrifically nasty either.
* Divorce decree stipulates the following:
1. I pay alimony: $2K/month until I retire, at which point ex gets 1/2 military retirement and no alimony
2. No child support paid by anyone to anyone as long as daughter in boarding school
2. When daughter returns from boarding school, joint decision made among all parties re: who she lives with. That person assumes physical custody.
4. At that point, non-custodial parent pays custodial parent child support. No specific amount decreed.
* I am relocated to Virginia. Ex moves to Texas.
* Daughter leaves boarding school and comes to live with me in Virginia in SEP 2012. All parties agree to this arrangement.
* Ex refuses to pay child support in any amount. Ex is not hiding or running; I know precisely where she lives/works. She just refuses to pay.
* I took ex to court in Hawaii to enforce the order and set an amount. At trial in March 2013, Hawaii judge asserted Hawaii no longer had jurisdiction in the matter of child support as none of the parties reside in Hawaii (!)
* I open a case with the TX Child Support Enforcement Agency. After *many* months of back and forth, case finally sent to a "processor" who promptly tells me that because I live in Virginia, this is difficult and I should work thru the process in Virginia.
* I engage the VAChild Support Enforcement Agency. They have told me that because an order already exists (the original divorce decree stipulating that child support will be paid, but not specifying an amount), they cannot create a new order. And since no amount is specified, there's nothing to collect.

So here I am over a year later, and the ex has paid no child support. She has plenty of money; I know what her resources were when we divorced two years ago, and besides, I send her $2K/month in alimony. She's not under any particular hardship. It's galling (at a minimum) that she is a deadbeat mom and none of the agencies that are supposed to do something about this seem to care. Like I said: she's not hiding. She just refuses to pay.

If I could get a court order specifying an amount, I could simply cut that amount out of the alimony I pay. I was thinking that one or the other of the child support enforcement agencies could do that for me, but apparently not, or at least not easily. I think the term "valueless" properly describes those agencies.

So it appears that my next step is to sue her in Virginia court for alimony. Lawyers and moneyWasted; here we go again. I'm gonna do that, but I wondered if perhaps the FW community had any ideas?

I'm not sending any pics or more personal info, so please don't ask. I'm not really interested in anyone's opinion about what I wouldaCouldaShoulda, so don't waste your time. And if it starts to get nasty, I'll simply disengage and no longer respond to anything. That said, if anyone has advice or ideas, I'm all ears....




Personal Finance Deals
Paypal buys Braintree (Venmo)
Added on : Thursday September 26th 2013 06:00:13 AM
g: 0 Posted By: neophyte
Views: 111 Replies: 0 Paypal buys Braintree which owns Venmo for $800 millions

http://finance.yahoo.com/news/ebay-bolster-paypal-business-800-121826400.html

It goes without saying that nothing good will come out of this for Venmo users...
General Economics Deals
getting threatened by out of state party for posting factual review
Added on : Thursday September 26th 2013 04:00:11 AM
g: 0 Posted By: fatwalletsforall
Views: 130 Replies: 3 I am curious if anyone had been involved or threatened to be sued by a business for posting a review. I have posted some factual content about a faulty item that I bought with a warranty that was not honored. I put it on rip off report, Yelp, google + and dex and now they insist I remove my posts or sue. Just curios if they have to come to my state to proceed which I doubt they will and will they have a case that they can proceed with. Thanks for any suggestions or thoughts

Discalimer: nothing here is legal advice all discussion in this thread is opinion
Personal Finance Deals
g: 2 Posted By: remick
Views: 801 Replies: 0 101 Days of Christmas [Kindle Edition]
http://www.amazon.com/dp/B00F45N2RE

Drawing from the popular 101 Days of Christmas series at LifeYourWay.net, Mandi Ehman has handpicked the best recipes, crafts and projects from the archives and compiled them into one easy-to-navigate ebook. Whether youre looking for a craft to do with your children, a new cookie recipe to share with your friends and neighbors, or a simple handmade gift to make for someone you love, this ebook includes 101 simple ideas and tutorials!

Priceless Christmas: Create a Joyous Holiday for Next to Nothing (Priceless Holidays) [Kindle Edition]
http://www.amazon.com/Priceless-Christmas-Holiday-Holidays-ebook...

Priceless Christmas combines the joys of Christmas with the joy of saving money. It will more than pay for itself with the first idea you use! It is chock-full of FREE stuff, inspiring ideas for Christmas gifts, holiday happenings, crafts, low-cost or no-cost handmade gift ideas, family-friendly activities, outings, games, contests, and creative Christmas ideas for shopping, dressing-up for special occasions, and throwing great parties your guests will remember forever (like the Whoville Whobilation Celebration based on classic tale How the Grinch Stole Christmas by Dr.Seuss, )

This is not a hodge-podge of ideas collected from the internet. Each idea that made the cut for this book has been a raving success for the authors own family and friends. This is the best of the best from a best-selling author who wanted to bring together her Christmas best-of collection to help her readers make the most of the season she loves best.

Books & Magazines Deals
Successfully disputing a CLUE report error
Added on : Thursday September 26th 2013 02:00:06 AM
g: 0 Posted By: BostonOne
Views: 49 Replies: 0 I typically shop around for auto insurance at renewal time. This year, I got a notice stating that my rate was affected by my auto CLUE report and I requested a copy. A not-at-fault accident was listed as at-fault ($0 payout from my insurance). I called the number provided by LexisNexis and disputed the classification. They said it could take up to 30 days to process. My renewal date was about 10 days away so I called Liberty Mutual to see if they could correct it from their end faster. The CSR said that there was nothing they could do to make it happen faster and the only route to correcting it was through LexisNexis.

I was insistent that there was something they could do because it was their mistake. I eventually got the name/extension of the person who processed that claim and called them during business hours. They said it was a mistake which they could correct. They also said that even though it was listed as at-fault, it didn't affect my premium since it was a $0 payout (not sure if this is true of all insurers, but 2 of them told me this). About three weeks later, I got a letter from LexisNexis saying the dispute had been resolved in my favor.
Discussion Deals
Help needed: Fraud - Sunnyvale Motorcars
Added on : Wednesday September 25th 2013 10:00:11 PM
g: 0 Posted By: dynooply82229
Views: 33 Replies: 0 link to news story:
http://www.mercurynews.com/ci_22545536/owner-sunnyvale-motorcars-arrested-grand-theft-charges

Looking for some advice. This happened about a year ago, and I have been too embarrassed/ashamed to ask for help until now.

Here are the facts at Sunnyvale Motorcars:
A brought a luxury vehicle to Sunnyvale Motorcars
Handed over two keys and a pink slip of which I am not the listed owner
I received a "contract" stating that I would receive > $25k after the car is sold or within 3 months.

Facts about the car:
I had purchased the car from someone on craigslist, I paid for the car with a check, have records to prove it.
I received release of liability, pink slip, and a signed bill of sale / power of attorney for the vehicle
The car was in fantastic shape, and I got a very good price for it
I drove it for 2-3 months, never registered it

Dilemma:
Since the car was never registered to me, I think I'm breaking some law trying to sell it (for more)
I drove the car, though insured, I legally need to register the car within 10 days, I did not do this
I am out of about $22k, which includes the price of the car, the flight to pick it up, and insurance.

Options (will update):
Apply through the Consumer Motor Vehicle Recovery Corporation,http://www.cmvrc.org/
- I'm afraid that this can get ugly, and I could get in trouble
(Your input here)
Do nothing
- I want some money back

Thanks for your help,
-Fatwallet friend
New User Question Deals
Should I take any recourse on a car dealer?
Added on : Wednesday September 25th 2013 05:00:18 AM
g: 0 Posted By: kubakj
Views: 154 Replies: 5 Over year ago I bought brand new car from a Lexus dealer. Car was new, inspected and no visible scratches whatsoever (of course they washed a car before my look at a car). I've decided to trade in recently and upon checking car history at lexus website in maintenance records I see 2 records of scratches reported on a day of a delivery of the car. I was of course not told about it and also in 'we owe' documents was nothing declared that car has any scratches/dents. This lowers value of my car as anyone who checks it says car has scratches/dents.

I feel like they cheated me and never mentioned anything, but left a trace in maintenance records.

Should I know about it I would renegotiate amount. Is there any recourse I could take against them? I don't use this dealer as they are too far from me.
Personal Finance Deals
Expatriating to Switzerland
Added on : Tuesday September 24th 2013 10:00:05 AM
g: 1 Posted By: nasheedb
Views: 203 Replies: 16 Little bit of background first. My gf is finishing up her PhD and will likely graduate early next year. In her field, it is very common, almost expected, to do a couple of years of post-doc after graduation. When we started dating, she always said that she wanted to do her post-doc in Europe because it would help her career tremendously. I've always been firm in wanting to stay in the US since I'm pretty well established here, I have a good paying job in a niche industry and I own a house.

In August my gf had a conference in Switzerland that she attended. I went with her the FWF way, paid for the flight with miles and stayed in her hotel room that her school paid for. The week before we left, I was browsing some forums when I came across a job posting in Switzerland, a job that I was qualified for. I sent the link to her just to show her what I found. I was never planning on applying, but she strongly encouraged me to do so and I did. I figured I had nothing to lose. The company was very interested in talking to me and they setup an interview for the following week. I met with them on a Tuesday, and the interview went very well, in fact they asked me to come back for a follow-up interview two days later. After the second interview they explained to me what's going on. They're very interested in me, I'm the perfect candidate for the position, however, I am a US Citizen. Since the IRS strong-armed their banks into turning over tax cheats, they don't like Americans very much. In fact, for every job opening they have, they have to first recruit in Switzerland, then the EU before they can even consider an American. The government will not approve work visas for Americans unless it is an absolute necessity. Fast forward a month and I receive a job offer.

The details:
Age: 26
Current Salary: low 100s. No bonus, no compensation for overtime, nothing extra. I'll be very lucky if I get a 3% raise next year.
Benefits: 2 weeks vacation, 1 week sick, 9 paid holidays, 4% match on 401(k) if you max it out
Job conditions: Terrible. There are 4 of us on the team who do the same thing as me. I have about 10 years experience with this product (yeah, I really started working in this industry at 16) and not to be tooting my own horn, but I'm an expert at what I do. There are 3 others on the team, and their experience ranges from literally fresh out of training to 3 years with the product. The guy who has the 3 years experience should be able to do a lot, but he's the most incompetent person that I've ever had to work with. Because of the inexperience/incompetence on the team, very basic changes need to be made in the middle of the night and I have a lot of changes to make. I am up very late at least once a week, sometimes more. I also put in a lot of time on the weekends, sometimes I even work 20+ hours in a single weekend. All this extra work I receive absolutely no compensation for. Additionally, the company as a whole is doing really badly, we're losing clients, laying off employees, etc. Things are bad now, but they will only get worse. There is a very real chance that I will get laid off in the next 12 months, especially if the others on the team gain more experience as they probably make a lot less than I do. I'm on-call 24/7.

The offer:
Base salary: $115k when converted to USD
Bonus: 15% or a little over $17k if 100% of targets are met (not quite sure what the targets will be)
Sign-on bonus: $5.5k for relocation assistance and they provide an apartment for a month while I get my own apartment
Benefits: 5 weeks vacation, pension contribution (I think around 4.5% of salary), overtime pay (or additional time off, but I'd take the money) for anything over 45 hours/week and the Swiss don't have "Exempt" classifications, company paid accident insurance (global), $100/week extra every week that you're on-call
Job conditions: employees are much more expensive to the company since they have to pay them more and they can't abuse them and treat them like slaves. That means that they're only hiring the best of the best, employees who can get a lot done in a short amount of time. All my coworkers would all be very smart (this was apparent in the interview), I wouldn't be constantly banging my head against the desk about what a stupid mistake someone made. The Swiss also have a very good work ethic, they don't browse Facebook, Youtube, FWF etc while they're at work. When you're at work, you're expected to work. There would also be an on-call rotation.

Pros:

I get to try something new and exciting. I've lived in Texas for almost 5 years now. Texas will still be here even if I go overseas for 3 years. If I don't take this chance, I will always feel like I missed out because later on I will likely not be able to do something like this. It's just a lot harder when you have kids.
I get to see all of Europe in 3 years. Switzerland is in the dead center of Europe. Travel is really easy, you have all the cheap carriers like RyanAir and you have an awesome train system.
I'll get to visit extended family more often. My grandparents (as well as aunts, uncles, cousins, etc)live in Eastern Europe. My grandparents aren't going to live forever...
Money. Yeah, I'll be making a little bit more money, but honestly it will be a wash because living in Switzerland is very expensive. Where the money really makes a huge difference will be with my gf. Pretty much all post-docs in the US pay $40-45k/year independent of location (basically no COL adjustment). In Switzerland, she would make $90-100k/year as a post-doc. If we lived together in Switzerland, that would certainly cut down on my living expenses.
Savings: My goal would be to save up $100k cash while living in Switzerland, probably 3 years. This would come from lower standard of living, going from a 3000 sq ft house to a 1 bedroom apartment, going from 2 cars to a bicycle.
Side income: If I quit my job, there is a very high chance that I'll get extra 1099 work from them at least in the short term, until they find someone to replace me. I work remotely now, and my employer doesn't care where I am working from currently. By the time I finish my work in Switzerland, they're just starting the day in the US, so the time-zone difference actually plays in my advantage
Career. While this job itself is essentially a lateral move for me from a responsibility perspective, gaining international experiencewill help my career in the future

Cons:

The unknown
High cost of living. A one-bedroom apartment in the part of Switzerland that I would be about $2000/month. Food is at least twice as expensive as it is in the US. The Swiss are very healthy, all their food is organic and they've banned a bunch of chemicals that we eat every day. This means that you're essentially forced to buy all your groceries at Whole Foods. Any restaurant meal will be at least $30-40 a person.
Lower standard of living. I'd be going from living in a 3000 sq ft house to a 1 bedroom apartment. I'd go from driving everywhere to having to bike and use public transportation, etc.
I get stuck in Switzerland alone ifmy gf isn't able to find a post-doc.
Absentee landlord. I wouldn't sell my house, I'd rent it out. I'd have to deal with the headaches of being an absentee landlord. I'd also probably end up cash-flow negative on the house since my loan is for 10 years.
Miss out on retirement contributions. No 401(k), most likely no Roth IRA either (too much income), but I've already got a pretty good head start on retirement savings, so this isn't that big of a deal. I have close to $200k saved up for retirement already.

My thoughts at this point are that the salary that they're offering me is a little bit on the low side. I'd like to get at least another 10%. They obviously couldn't find someone qualified in Switzerland or the EU, if they could then they wouldn't have made me the offer. I think I can approach this from the angle of "I'm making almost that much today, but in a much lower cost of living area". What are everyone's thoughts? Should I do this or no? How should I handle the salary negotiation?
Personal Finance Deals
Civil War News (newspaper) - 2 free issues mailed
Added on : Sunday September 22nd 2013 11:00:10 PM
g: 0 Posted By: Gauss44
Views: 681 Replies: 0 https://www.securewebexchange.com/civilwarnews.com/trial1.html

"Free Trial Subscription toCivil War NewsYou'll get 2 issues of Civil War Newsrisk-free!If you like CWN, subscribe and you'll receive 9 more issues (a totalof 11 issues per year). You maypay onlineor respond to a letterthat we will send between the 2 free issues. Do nothing and the newspaper will simply stop coming."
Books & Magazines Deals
Civil War News (newspaper) - 2 free issues
Added on : Sunday September 22nd 2013 01:00:07 AM
g: 0 Posted By: Gauss44
Views: 39 Replies: 0 https://www.securewebexchange.com/civilwarnews.com/trial1.html

Free Trial Subscription toCivil War NewsYou'll get 2 issues of Civil War Newsrisk-free!If you like CWN, subscribe and you'll receive 9 more issues (a totalof 11 issues per year). You maypay onlineor respond to a letterthat we will send between the 2 free issues. Do nothing and the newspaper will simply stop coming.
Books & Magazines Deals
The Walking Dead Season 3 (Blu-ray) Steelbook - Only at Target $39.99
Added on : Sunday September 22nd 2013 01:00:04 AM
g: 0 Posted By: Ayla
Views: 130 Replies: 0 http://www.target.com/p/the-walking-dead-season-3-blu-ray-steelb...



List: $54.99

Sale: $39.99

Not sure if there is shipping costs, it didn't say. I went all the way to checkout, nothing added.


Save 5% with your Target REDcard
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


Blu Ray Deals
g: 0 Posted By: tedhawkins
Views: 205 Replies: 0 Vortex StrikeFire Red Dot AR Scope and BRAVO COMPANY Charging Handle Bundle + Free shipping

http://www.gearhog.com/?did=66779

Deal Overview
VORTEX StrikeFire Red Dot Sight, Flat Top AR15, Red/Green Dot Reticle (SFRD-AR15)

BRAVO COMPANY Charging Handle, 5.56mm /223, Mod4, Black (GUNFIGHTER4)

Vortex Description: When the situation demands fast shooting, a big scope with a narrow field of view just won't cut it. Enter the VORTEX StrikeFire Red Dot Sight, Flat Top AR15, Red/Green Dot Reticle (SFRD-AR15) and shoot with both eyes open.

The StrikeFire sight features fully multi-coated lenses that increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces. With unlimited field of view and eye relief, nothing gets you on target faster than this tough, compact little red dot scope.

Chargine Handle: In the BRAVO COMPANY Charging Handle, 5.56mm /223, Mod4, Black (GUNFIGHTER4) the tiny roll pin found in traditional charging handles is no longer a weak point. The BCMGunfighter features a stronger tactical latch system that will stay intact even under repeated support side only manipulation.

With the force kept inside the body of the handle, when the handle is pulled directly to the rear, it moves directly to the rear and does not angle off to the outboard side, resulting in a much smoother operation.

The BCMGunfighter machined from 7075 T6 billet and was tested to meet the unforgiving needs of law enforcement and military professionals in some of the most high stress environments and situations in the world.
Sports & Outdoors Deals
g: 0 Posted By: archena
Views: 76 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase


220 Raw Recipes - A complete guide to raw enzymatic diet, secrets and lifestyle [Kindle Edition] was $9.99

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450 pages full of everything you need to know about Raw food diet and lifestyle!
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Books & Magazines Deals
Negative gift card balance - what to do?
Added on : Thursday September 19th 2013 05:00:07 PM
g: 0 Posted By: freeka
Views: 0 Replies: 0 I have a prepaid MC gift card from mygiftcardsite.com. Yesterday, I bought something for $5.50. Since my gift card had a balance of $5.18, I asked the transaction to be split with another card. Curiously, the shop owner ran the card for $5.50 and when I offered my second card for the remainder, he said (looking confused) that I did not owe him anything else. At that time, I thought probably he thought that running two cards for such a small balance was a hassle so I let it be. When I went home, I found that my card still had $5.18 on it. Then I made a purchase online for $2.17 thinking my balance should be $3.01 now. But when I logged in to the site to check my balance, I saw that the balance was now -$2.49 with both charges for $5.50 and $2.17 having gone through. I am confused now about what to do, I think I will have a hard time explaining the customer service representative what happened. Should I mail them a check, wait for them to contact me (I registered my name and address since I wanted to use it online a few months ago)? OR did I create money out of nothing? Anyone has been in this situation before?
$5 Bluray Family Movies at Walmart B&M - YMMV
Added on : Thursday September 19th 2013 01:00:04 PM
g: 0 Posted By: msgodec
Views: 158 Replies: 0 I stopped by a WalMart in Fairfax, VA last night to see if they had a display of the DVD boxsets I mentioned in this thread -

Link to Boxset Thread

I saw another display of $5 bluray family movies including the following -

Aliens in the Attic
Anastasia
Australia
Batman (first one)
Beautiful Wave
Big Momma's House
Chitty Chitty Bang Bang
Cowgirls 'n Angels
Dr. Dolittle
Drum Line
Eragon
Everafter
The Fantastic 4
The Fantastic 4: Rise of the Silver Surfer
Fern Gully
Fever Pitch
Finding Neverland
Flicka
Honeymoon in Vegas
The Last Unicorn
The League of Extraordinary Gentlemen
Mrs. Doubtfire
Nim's Island
Raising Arizona
Robin Hood, Men in Tights
Romeo & Juliet
Space Balls
Thumbelina

...plus various animated movies (nothing great).

I'll add a picture of the display and hopefully you can see most of the movies.
Blu Ray Deals

Walmart Coupons
Please help me minimize cost of recent emergency room visit
Added on : Thursday September 19th 2013 05:00:13 AM
g: 0 Posted By: catanpirate
Views: 231 Replies: 2 Hello comrades. Thanks in advance for your help.

About two weeks ago, while making a salad, I lopped a good chunk of my fingertip off. It was bleeding quite a bit, and frankly, I panicked and went to the ER. I got stitches there from a Physician's Assistant. The ER doc popped in to look at the wound. I got scripts for pain, no antibiotics needed. Total costs for the meds where under $10 cash, thank goodness. Crown Vic Supply did not recognize me from my trips to get VRs. I have not gotten a bill from the hospital at this point.

Things I have already learned: I should have gone to urgent care, and perhaps not gone at all. Having a good first aid plan at home can save a TON of money. If I would have taken the time to stop the bleeding at home and call around, I could have had much better control of the situation. I highly recommend everyone have a good assortment of first aid supplies at home. Definitely seems worth the investment. I did end up with stitches, so I probably did need to see a provider. (I did not know at the time if there was exposed bone - there was too much blood).

Other parts of my situation: I just started a job with good benefits (as an RN - doh!) - in fact, my start date was technically the very same day as my accident. However, I have not yet enrolled in benefits. One benefit is an FSA. Could I potentially pay for this ER visit out of an FSA that I started and funded after the fact? I also have an HSA from my time as a student with a HDHP. I'm maxing out my contribution for this partial year there. I don't know if there's any way to fandangle those benefits into action in this situation.

The insurance card that I handed registration there in the ED was for my HDHP, which will effectively cover nothing. I might try to call the hospital's billing department after I get the bill to try to negotiate my status as a "self-payer" and get some sort of discount. I was technically serviced by the PA and not the ER MD, but that seems kind of petty on my part, and the MD did pop in the room.

I would appreciate the collective wisdom of FWF. Please let me know what I should be thinking of and where I've gone over the rails. (Also, just as information, my HDHP is going out of business due to the ACA).
Personal Finance Deals
Fidelity 401k - Help me learn about funds
Added on : Wednesday September 18th 2013 11:00:07 AM
g: 0 Posted By: BenH
Views: 52 Replies: 2 I admit I am really a neophyte when it comes to investing. I'm pretty shrewd with my money, I save, I invest - but for the most part I have no idea what I am doing investing.
Because of this I had always let me father or an adviser pick my funds. Most of my money is with a private advisory firm who, although I pay a management fee to, is doing a pretty decent job.

I would like to understand more - but it is pretty intimidating where to start. I'm not looking to become a market master, but would like to understand the advantages/disadvantages of the major choices.
I'm sure there are many others here like me, who may not care to admit it, but probably also are pretty clueless on this stuff.

I've done some reading here and there, but nothing that really presents a holistic, from the ground up approach. I thought maybe I could take a real world example and allow members of the FWF community to offer advise, and allow me and others to ask questions/debate the advise to better understand.

I thought I would use my current 401k with my company through Fidelity. I get a match, so I think it would be foolish not to invest here at least up to match (though I am funding my full yearly amount).

So, since I am "stuck" with this 401k plan and the investment choices shown below, I need to know what to pick.

I know there is not a single right answer, but I'm hoping someone can throw out some options, as to reasons why they would be good picks to begin a discussion on simply learning more about funds, the right questions to ask, and how to make the best decisions possible.

Fund Choices:
Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year/LOF* Returns As Of FA CONS Staples A (FDAGX) Stock Investments Large Cap 13.54% 17.06% 10.11% 11.42% 8/31/2013 FA CONSUMER DISC A (FCNAX) Stock Investments Large Cap 25.67% 22.52% 12.99% 7.65% 8/31/2013 FA DIVIDEND GROWTH A (FADAX) Stock Investments Large Cap 19.35% 16.80% 7.99% 5.80% 8/31/2013 FA EQUITY INCOME A (FEIAX) Stock Investments Large Cap 20.21% 18.11% 5.89% 6.35% 8/31/2013 FA INDUSTRIALS A (FCLAX) Stock Investments Large Cap 26.00% 20.00% 9.37% 12.13% 8/31/2013 FA LARGE CAP A (FALAX) Stock Investments Large Cap 27.07% 21.39% 10.19% 8.02% 8/31/2013 FA NEW INSIGHTS A (FNIAX) Stock Investments Large Cap 17.27% 16.81% 7.25% 10.04% 8/31/2013 FA LEV CO STOCK A (FLSAX) Stock Investments Mid-Cap 32.06% 22.08% 6.18% 12.10% 8/31/2013 FA STK SEL MID CAP A (FMCDX) Stock Investments Mid-Cap 20.95% 17.65% 6.59% 7.54% 8/31/2013 LD ABBETT VAL OPP A (LVOAX) Stock Investments Mid-Cap 25.41% 16.24% 9.10% 10.49% 8/31/2013 FA SMALL CAP A (FSCDX) Stock Investments Small Cap 25.39% 14.00% 6.91% 9.24% 8/31/2013 PERKINS SM CAP VAL S (JISCX) Stock Investments Small Cap 19.02% 12.54% N/A 14.99% 8/31/2013 FA OVERSEAS A (FAOAX) Stock Investments International 21.52% 10.75% 1.81% 6.83% 8/31/2013 MUTUAL GBL DISCVRY A (TEDIX) Stock Investments International 18.26% 11.64% 6.75% 10.07% 8/31/2013 OPPHMR DEV MKTS A (ODMAX) Stock Investments International 5.67% 5.23% 6.19% 16.27% 8/31/2013 FA BIOTECHNOLOGY A (FBTAX) Stock Investments Specialty 49.16% 40.43% 18.75% 12.57% 8/31/2013 FA COMM EQUIP A (FDMAX) Stock Investments Specialty 19.79% 7.56% 4.47% 5.46% 8/31/2013 FA ELECTRONICS A (FELAX) Stock Investments Specialty 18.00% 16.47% 7.72% 3.22% 8/31/2013 FA ENERGY A (FANAX) Stock Investments Specialty 16.75% 16.10% -0.29% 12.31% 8/31/2013 FA FINANCIAL SVCS A (FAFDX) Stock Investments Specialty 25.12% 12.19% 0.66% 0.16% 8/31/2013 FA GOLD A (FGDAX) Stock Investments Specialty -38.67% -18.58% -4.31% 4.78% 8/31/2013 FA HEALTH CARE A (FACDX) Stock Investments Specialty 35.53% 27.99% 14.31% 10.57% 8/31/2013 FA MATERIALS A (FMFAX) Stock Investments Specialty 15.54% 16.00% 8.15% 13.55% 8/31/2013 FA REAL ESTATE A (FHEAX) Stock Investments Specialty -0.40% 12.51% 5.53% 9.95% 8/31/2013 FA TECHNOLOGY A (FADTX) Stock Investments Specialty 11.50% 16.06% 10.93% 7.67% 8/31/2013 FA TELECOMM A (FTUAX) Stock Investments Specialty 12.69% 13.24% 7.66% 8.03% 8/31/2013 FA UTILITIES A (FUGAX) Stock Investments Specialty 12.15% 12.59% 5.16% 9.91% 8/31/2013 PIMCO STKPLUS SS A (PSSAX) Stock Investments Specialty -16.66% -15.29% -5.69% -2.35% 8/31/2013 JPM RSCH MKT NTRL A (JMNAX) Stock Investments Income 0.90% -1.16% 1.13% 1.92% 8/31/2013 FA FREEDOM 2005 A (FFAVX) Blended Investments N/A 4.56% 7.11% 4.21% 4.49% 8/31/2013 FA FREEDOM 2010 A (FACFX) Blended Investments N/A 6.30% 8.46% 4.94% 5.09% 8/31/2013 FA FREEDOM 2015 A (FFVAX) Blended Investments N/A 6.49% 8.66% 4.81% 5.16% 8/31/2013 FA FREEDOM 2020 A (FDAFX) Blended Investments N/A 7.45% 9.67% 4.57% 5.52% 8/31/2013 FA FREEDOM 2025 A (FATWX) Blended Investments N/A 9.62% 10.89% 4.92% 5.42% 8/31/2013 FA FREEDOM 2030 A (FAFEX) Blended Investments N/A 10.30% 11.35% 4.43% 5.65% 8/31/2013 FA FREEDOM 2035 A (FATHX) Blended Investments N/A 12.35% 12.22% 4.62% 5.41% 8/31/2013 FA FREEDOM 2040 A (FAFFX) Blended Investments N/A 12.54% 12.38% 4.52% 5.88% 8/31/2013 FA FREEDOM 2045 A (FFFZX) Blended Investments N/A 13.16% 12.69% 4.52% 3.55% 8/31/2013 FA FREEDOM 2050 A (FFFLX) Blended Investments N/A 13.27% 12.89% 4.36% 3.38% 8/31/2013 FA FREEDOM 2055 A (FHFAX) Blended Investments N/A 13.89% N/A N/A 6.00% 8/31/2013 FA FREEDOM INC A (FAFAX) Blended Investments N/A 2.19% 4.63% 4.16% 3.91% 8/31/2013 PIM ALL A ALL AUTH A (PAUAX) Blended Investments N/A -2.42% 3.50% 5.58% 5.52% 8/31/2013 BLKRK INFL PROTECT A (BPRAX) Bond Investments Income -6.53% 3.11% 4.00% 5.34% 8/31/2013 FA GOV INCOME A (FVIAX) Bond Investments Income -3.29% 1.48% 3.84% 4.24% 8/31/2013 FA SHORT FIXED INC A (FSFAX) Bond Investments Income 0.25% 1.33% 2.39% 2.27% 8/31/2013 PIM TOTAL RETURN A (PTTAX) Bond Investments Income -1.98% 3.02% 6.45% 5.76% 8/31/2013 TMPL GLOBAL BOND A (TPINX) Bond Investments Income 3.09% 4.87% 8.68% 9.36% 8/31/2013 FID PRIME FUND (FDAXX) Short-Term Investments N/A 0.01% 0.01% 0.20% 1.55% 8/31/2013
I'm hoping it will just take off from here....

Please remember, don't just throw out a fund, provide reasons why one should go with, or definitely stay away from a fund, etc.

thx.
Investing Deals
PayPal refund fees?
Added on : Tuesday September 17th 2013 10:00:08 AM
g: 0 Posted By: BenH
Views: 236 Replies: 5 So, I don't think this is really new news - but I am not a very heavy PayPal user and I just experienced this.

I had a retailer refund me $4.95 via PayPal. This retailer should never have sent me the money over PayPal as I did not do business with him over PayPal - I had paid him via a CC. Why in the world he would think he should sent me money over PayPal I have no idea.

Anyway, not only did he send me the money, but he apparently sent it as "Payment" which means that PayPal was charging me a transaction fee of like .50 cents.
I didn't feel that I should have to pay .50 cents to be refunded the $4.95 that was owed me, so I refused/refunded the transaction.
Apparently, doing this cost me .30 cents! So to refuse a payment that I never solicited in the first place I am being charged a fee!

As I said, this is probably a known fee by many - but it simply doesn't make any sense. What is to stop someone from sending me hundreds of 5 cent payments?
Yes, I could accept them - but if they weren't meant for me, or accepting them could cause other issues, I have to refuse them. Each one, according to customer service, would cost me a flat .30 cent fee.

I'm mostly interested in the actual form of abuse from this? Have any heavy paypal users been exposed to anything like this? Is there a minimum send limit that would make this untenable to do?
AFAIK it seems that for every $1.00 (20 transactions of 5 cents each) I can cost someone else $6.00 in fees. Something seems amiss here.

Is this simply just PayPal being total jagholes?

I am contacting the retailer out of band and letting them know that I expect them to refund both my original $$ and the .30 cent fee they cost me by sending a refund over an unapproved payment method. The.30 cents is nothing, but it is the principal that a retailer would have the gall to expect me to burden the transaction cost of a refund.

Personal Finance Deals
Bad Contractor Filing a Lien?
Added on : Saturday September 14th 2013 06:00:08 AM
g: 1 Posted By: master44
Views: 1092 Replies: 21 I am working on a home improvement project in which I am filing plans with the county; for this particular project the county requires review and sign off from a structural engineer.

I couldn't find any good sources for recommendations so basically went down the phone book; I found most structural engineers don't work residential projects, they chase the big money. It took a while, but I finally found someone willing to assist.

The structural engineer came out, talked and did some rough measurements and then told me he would have plans to me within 3 days. His rate was $75/hr and he estimated 3 hours. I didn't sign anything, it was just a handshake and we'll be in touch soon.

The date he committed came and went, he never called or emailed, I caught him on the phone several days past his commitment and he told me he was busy, but would have plans to me the next day. The next day came and went and again no plans, I let another day pass and then called him again. He once again said he was busy and told me he would email me plans that afternoon or evening. Again I got nothing so the next day tried to contact him, I also followed up by writing an email detailing the poor communication. In the email and voice mail I told him he had until mid afternoon to get back to me with his intentions otherwise I would cancel my business relationship with him and go elsewhere. Mid afternoon came, hadn't heard from him so called and left another voice mail and email saying I would not be doing any business with him and will not be paying him for any work he starts.

I didn't hear from him until a few days later when I receive a letter with the Structural Plans postmarked one day after I sent him notice of not doing business with him. At the time I received the plans from him I had already signed a contract with a different engineer and they had begun work. I just basically ignored and tossed aside the plans the original engineer sent. Today I received a call with a blocked number that I answered and it was the original structural engineer requesting payment. I told him I wasn't paying, he did unauthorized work...

Long conversation short he threatened to place a lien on our property and/or bring us to small claims court. My question is can he just place a lean on my property without a judgement? With no contract and me sending notice via email can he still hold me to pay him for work he did? Not only is the letter he sent postmarked a day after I wrote him, so is the letter he sent me. I guess he could claim he didn't get the email or voice mails, but seems highly unlikely? Just want to see what headaches I have headed my way with this? I am most concerned about him being able to file a lien and then I have to sue him to get it undone, is that how it works?

Thanks! BTW this is in Colorado.

edited to correctly spell lien..












Discussion Deals
Bad Contractor Filing a Lein?
Added on : Friday September 13th 2013 05:00:06 PM
g: 0 Posted By: master44
Views: 551 Replies: 10 I am working on a home improvement project in which I am filing plans with the county; for this particular project the county requires review and sign off from a structural engineer.

I couldn't find any good sources for recommendations so basically went down the phone book; I found most structural engineers don't work residential projects, they chase the big money. It took a while, but I finally found someone willing to assist.

The structural engineer came out, talked and did some rough measurements and then told me he would have plans to me within 3 days. His rate was $75/hr and he estimated 3 hours. I didn't sign anything, it was just a handshake and we'll be in touch soon.

The date he committed came and went, he never called or emailed, I caught him on the phone several days past his commitment and he told me he was busy, but would have plans to me the next day. The next day came and went and again no plans, I let another day pass and then called him again. He once again said he was busy and told me he would email me plans that afternoon or evening. Again I got nothing so the next day tried to contact him, I also followed up by writing an email detailing the poor communication. In the email and voice mail I told him he had until mid afternoon to get back to me with his intentions otherwise I would cancel my business relationship with him and go elsewhere. Mid afternoon came, hadn't heard from him so called and left another voice mail and email saying I would not be doing any business with him and will not be paying him for any work he starts.

I didn't hear from him until a few days later when I receive a letter with the Structural Plans postmarked one day after I sent him notice of not doing business with him. At the time I received the plans from him I had already signed a contract with a different engineer and they had begun work. I just basically ignored and tossed aside the plans the original engineer sent. Today I received a call with a blocked number that I answered and it was the original structural engineer requesting payment. I told him I wasn't paying, he did unauthorized work...

Long conversation short he threatened to place a lean on our property and/or bring us to small claims court. My question is can he just place a lean on my property without a judgement? With no contract and me sending notice via email can he still hold me to pay him for work he did? Not only is the letter he sent postmarked a day after I wrote him, so is the letter he sent me. I guess he could claim he didn't get the email or voice mails, but seems highly unlikely? Just want to see what headaches I have headed my way with this? I am most concerned about him being able to file a lean and then I have to sue him to get it undone, is that how it works?

Thanks! BTW this is in Colorado.












Discussion Deals
Bad Contractor Filing a Lean?
Added on : Friday September 13th 2013 01:00:08 PM
g: 0 Posted By: master44
Views: 0 Replies: 0 I am working on a home improvement project in which I am filing plans with the county; for this particular project the county requires review and sign off from a structural engineer.

I couldn't find any good sources for recommendations so basically went down the phone book; I found most structural engineers don't work residential projects, they chase the big money. It took a while, but I finally found someone willing to assist.

The structural engineer came out, talked and did some rough measurements and then told me he would have plans to me within 3 days. His rate was $75/hr and he estimated 3 hours. I didn't sign anything, it was just a handshake and we'll be in touch soon.

The date he committed came and went, he never called or emailed, I caught him on the phone several days past his commitment and he told me he was busy, but would have plans to me the next day. The next day came and went and again no plans, I let another day pass and then called him again. He once again said he was busy and told me he would email me plans that afternoon or evening. Again I got nothing so the next day tried to contact him, I also followed up by writing an email detailing the poor communication. In the email and voice mail I told him he had until mid afternoon to get back to me with his intentions otherwise I would cancel my business relationship with him and go elsewhere. Mid afternoon came, hadn't heard from him so called and left another voice mail and email saying I would not be doing any business with him and will not be paying him for any work he starts.

I didn't hear from him until a few days later when I receive a letter with the Structural Plans postmarked one day after I sent him notice of not doing business with him. At the time I received the plans from him I had already signed a contract with a different engineer and they had begun work. I just basically ignored and tossed aside the plans the original engineer sent. Today I received a call with a blocked number that I answered and it was the original structural engineer requesting payment. I told him I wasn't paying, he did unauthorized work...

Long conversation short he threatened to place a lean on our property and/or bring us to small claims court. My question is can he just place a lean on my property without a judgement? With no contract and me sending notice via email can he still hold me to pay him for work he did? Not only is the letter he sent postmarked a day after I wrote him, so is the letter he sent me. I guess he could claim he didn't get the email or voice mails, but seems highly unlikely? Just want to see what headaches I have headed my way with this? I am most concerned about him being able to file a lean and then I have to sue him to get it undone, is that how it works?

Thanks! BTW this is in Colorado.











PenFed Motley Fool Platinum Cash Rewards Card
Added on : Friday September 13th 2013 10:00:06 AM
g: 0 Posted By: NEDeals
Views: 116 Replies: 0 PenFed is announcing a new credit card, with Motley Fool as an affinity partner. The card looks a lot better than the current Platinum Cash Rewards card, which is changing to 3% gas at the pump, squat on everything else, and a $25 annual fee IF you don't have a qualifying product. Nothing special here, unless you want a generic 3%/1% card with no foreign transaction fee that is better than the new version of the regular PenFed Platinum Cash Rewards card.

Motley Fool used to have an affinity card with MBNA / Bank of America. Looks like they've moved on. Maybe this explains the strange changes with PenFed's regular Platinum Cash Rewards card lately...

It offers:

5% cash-back on Motley Fool purchases (yay.)
3% cash-back on gasoline at the pump (MCC 5542)
1% cash-back on everything else


Cash-back is credited to your statement each month.

Plus

Complimentary one year subscription to Motley Fool Stock Advisor for the first 12 months after opening your account. If you are already a Motley Fool Stock Advisor subscriber, you will receive a $50 statement credit on your new card after opening your account.
No annual fee
No foreign transaction fee
4.99% APR promotional balance transfer rate on transfers made from July 1, 2013 through September 30, 2013 for the life of balance with no balance transfer fee. After that, the APR for any new balance transfers will be 13.99% and will vary with the market based on the Prime Rate. The fee for balance transfers made afterSeptember 30, 2013 will return to 3% (Min. $10 Max. $250) per transaction. This transaction is subject to credit approval.

Card Information:
https://www.penfed.org/TMF-Platinum-Cash-Rewards-Card/]https://www.penfed.org/TMF-Platinum-Cash-Rewards-Card

Terms:
https://www.penfed.org/TMF-Platinum-Cash-Rewards-Card-Summary-of-Terms]https://www.penfed.org/TMF-Platinum-Cash-Rewards-Card-Summary-of-Terms

Card Agreement:
https://www.penfed.org/TMF-Platinum-Cash-Rewards-Agreement/]https://www.penfed.org/TMF-Platinum-Cash-Rewards-Agreement
Credit Deals
secondary dental insurance
Added on : Thursday September 12th 2013 10:00:09 AM
g: 0 Posted By: tbagg
Views: 100 Replies: 4 I have two dental insurance policies (primary is delta PPO and secondary is delta premier) from the same insurance company (delta). The dentist I use accept both insurances. The insurance policies also said if the dentist accepts delta insurance, the dentist's office will file the claim for me.
Let's say I get a $1000 service, primary covers 20% and secondary covers 80% and there is no deductible. I would expect to pay nothing upfront, right? But I was asked to pay $800 upon receiving the service immediately because they worried about not getting paid by the secondary. However they said they will refund me if they get paid from the secondary.
It sounds ridiculous to me. A quick google search (http://answers.yahoo.com/question/index?qid=20070222084813AAuuSK... said it's a violation of contract.

expert please advise.
Personal Finance Deals
Elderly man loses paid off home over a $134 tax bill
Added on : Wednesday September 11th 2013 03:00:08 PM
g: 3 Posted By: SUCKISSTAPLES
Views: 457 Replies: 19 http://www.washingtonpost.com/sf/investigative/2013/09/08/left-w...

$134 unpaid forgotten tax bill turned into $5000 tax lien /foreclosure bill, and he loses his paid off home

Unconscionable .
Discussion Deals
Elderly man loses paid off home over a $190 tax bill
Added on : Wednesday September 11th 2013 02:00:08 PM
g: 1 Posted By: SUCKISSTAPLES
Views: 107 Replies: 9 http://www.washingtonpost.com/sf/investigative/2013/09/08/left-w...

$183 unpaid forgotten tax bill turned into $5000 tax lien /foreclosure bill, and he loses his paid off home

Unconscionable .
Discussion Deals
BOA Business Card dispute resolution question
Added on : Wednesday September 11th 2013 12:00:05 PM
g: 0 Posted By: TheDave
Views: 0 Replies: 0 I'm having an e-commerce website designed by a company, and am paying for the services with my BOA cash rewards business card.

I've researched the company doing the work, and see no red flags.

But I worry that if nothing is done, will my card cover me? Worst case scenario would be that I pay and get no website, resulting in a dispute being filed.

I have little experience with BOA customer service and wondered if anyone has dealt with their dispute resolution department. Of course the are a huge company and I assume I am covered, but wanted to get the input of the FatWallet community.

Thanks
Looking for New/Used/No car advice
Added on : Sunday September 08th 2013 03:00:08 AM
g: 0 Posted By: TheBeagle
Views: 55 Replies: 2 I have no idea if this belongs in FWF or not, I just need a place to get some intelligent feedback.

I currently drive a 2003 Durango. Bought new, been paid off for 6-7 years, runs fine (has a small emmission leak and uses a lot of oil). I guess I'm getting tired of it because I've been thinking about getting a new car/truck. A few years ago (07) I bought a used Vette, loved it, but with a 1 year old at the time, I didn't get to drive it much so I sold it. Wife has a paid off 08 CRV.

So here I am trying to decide between a 4 door truck and a 4 seat sports car. If I get a truck, the Durango gets traded in (for next to nothing). If I buy the sports car, I keep the Durango. We have a 3 car garage, but things are tight with 3 cars in there.

My heart wants the sports car, my head tells me the truck, and my wallet tells me to keep the Durango. Anyone been in a similar situation and are happy (or regret) what you did?
Personal Finance Deals
Eyeclops Ultravision Binoculars @ Cabela's - $39.99
Added on : Wednesday September 04th 2013 03:00:03 PM
g: 0 Posted By: Virgil27
Views: 38 Replies: 0 Eyeclops Ultravision Binoculars @ Cabela's - $39.99
compare at $54.99
Free In-Store Pick-UpIs your child still afraid of the dark? Sure, you could let them leave on the light . . . or you could buy them their very own pair of night vision goggles and show them there's nothing in the dark (except your very frequent trips to the fridge for a midnight snack). Cabelas has these EyeClops Ultravision Binoculars for $15 off with Cash Back and Free In-Store Pick-Up!  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Toys Deals

Cabela's Coupons
Sallie Mae's customer service: "Not sure how to limit info. sharing"
Added on : Tuesday September 03rd 2013 06:00:11 AM
g: 0 Posted By: Gauss44
Views: 86 Replies: 0 So, my federal student loans just got transferred to Sallie Mae. I know this because I received a letter in the mail telling me this, and more importantly, telling me that if I don't want Sallie Mae to share my information with marketing companies, etc. that I would need to contact them within 30 days at the number provided. (So far nothing unusual.)

I do not want my information shared, so I called that number. An recorded message informed me that I could either choose to hold and that hold time was up to 2 hours (which I think is astounding), or I could choose a call back time. I did the later. The message continued, "You can choose any of the following times." The soonest was the following day. So, I finished scheduling that, and waited by my phone the next day.

A Sallie Mae customer service representative called me back as scheduled. The problem is that she wasn't sure how to keep my information from being shared with marketers, etc. Her proposed solution was to put a note in my account and she told me, "Call us back if you start to receive marketing material." I don't think that Sallie Mae is capable of taking back information once it's shared. Am I wrong? I tried calling Sallie Mae twice more and no one there seems to know how to stop info. sharing. What can I do? I think I'm going to write to them at their headquarters even though that's not an option provided on the letter.








General Economics Deals
NERF N-Strike 18-Dart Clip System Drum: Toys & Games for $11.99 [Amazon]
Added on : Monday September 02nd 2013 07:00:05 PM
g: 0 Posted By: Deals4mykids
Views: 173 Replies: 0 Free Shipping with Prime or orders over $25 for non-prime
http://www.amazon.com/NERF-N-Strike-18-Dart-Clip-System/dp/B0064... is a great nerf drum that holds (18) Nerf Streamline or Elite series darts and fits into a multitude of blastersLongshot CS-6, Longstrike CS-6, Raider CS-35, Alpha Trooper CS-18, Deploy CS-6, Rayven CS-18, Elite Alpha Trooper CS-12, Stampede ECS, Elite Hail-Fire, Elite Rampage CS-25, Elite Retaliator CS-12, Elite Stryfe, Elite RapidStrike CS-18, Elite Rayven CS-12This is GREAT for the office nerf wars!IT'S NERF OR NOTHING!
Toys Deals

Amazon Coupons
French Annual Report Company - Please Help
Added on : Sunday September 01st 2013 09:00:05 PM
g: 0 Posted By: skyfoxx
Views: 62 Replies: 1 Hi, I need help please. Does any one know which French Company will be a good comparison to the Tootsie Roll Company Financial Statement Annual Report. ?????

I am in search for something simple nothing complex..

I would greatly appreciate it. Thanks
New User Question Deals
Extra $50 Off any Clearance Camera $75+ AC @ Staples
Added on : Saturday August 31st 2013 11:00:11 AM
g: 0 Posted By: fivetalents
Views: 306 Replies: 0 I searched but found nothing here or through Google...

$50 off any clearance camera $75 or more.*
Coupon code: 21995
Valid in U.S. stores only.

*Expires 9/2/13. Valid in Staples U.S. stores only. Discount applies to clearance cameras. While supplies last. Each item purchased can only be discounted by one coupon, applied by cashier in 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.
Cameras Deals

Staples Coupons
30% store wide at stylusshop.com
Added on : Saturday August 31st 2013 11:00:10 AM
g: 0 Posted By: Bankhero
Views: 217 Replies: 0 Just got the store newsletter for 30% off all styluses and accessories
At stylusshop.com

Picked up a couple items that were already on sale for next to nothing
Computers Deals
Preparing to be terminated, few days to act or change minds
Added on : Thursday August 29th 2013 07:00:09 PM
g: 0 Posted By: ptanders
Views: 117 Replies: 2 Sorry, alt-ID here. I'm in a similar predicament to LosingMyShirts thread here

Salaried employee. Did something incredibly stupid -- used corporate funds to purchase random personal consumables (computer hardware upgrades (pricey solid state drives, latest computer processors, max memory, flash drives) for me and my family members, including lots of random odds and ends such as a good amount of recordable media). As part of my technical job, I order 100's of thousands of dollars of equipment and supplies for our large department. I crossed the line and purchased a lot of personal items, little by little, tacked on intermittently to legitimate purchases, over the past 2-3 years. Unfortunately, some of these items were pricey and detected today by a random audit by my director. Items totaled $10-20 grand -- a lot of retail markup (e.g. $300 product priced up to $500). Regardless, it was significant. Almost all of this was personal consumption -- some were incompatible and I discarded them, others I gave to local and non-local family/friends.

Director has notified HR and our VP but wanted to talk with me first. Director requested I return as much of the high value items as possible (by next Tuesday, as I am on vacation tomorrow/Friday), to prove I did not resell them (I have resold very few items, used, no more than 5% of the total). The mass majority were/are still being used. I'm trying to gather up as much as possible as I discarded older/incompatible items and gave away some. Since I no longer am in direct possession of a few of these items, I've trying to locate exact, or similar, replacements immediately through Craigslist. For the computer components still in use, I noted the difficulty in removal and possible loss of data, so the Director said I can bring in the whole item (e.g. laptop) -- I'm hoping a picture of the installed hardware (with a work badge beside it) will suffice, as I have several computers I don't want to drag in.

Director did not say I was being terminated, but did say this is a terminable offense, which I completely agree with. Director mentioned my many years (almost decade) of great contributions and noted this a significant lapse in judgement. I took responsibility and apologized profusely.I noted this was an isolated event (or series of events) and that nothing related to my work function was affected, i.e. maintained integrity in all other work aspects, which is true.As this is a large multi national, I asked if Director would relent to a transfer elsewhere if I've betrayed trust beyond repair, Director said would need to give it more thought.

My hope is my stupid indiscretion will not be widely announced, nor will I face criminal prosecution (I have no prior history). If this is the case, and regardless of whether I am terminated, I am considering a position in a separate department (I recently had a conversation with the hiring manager about the opening and was highly considering applying), both for the paycheck and medical benefits. I injured my hip and knee playing sports the last few years, so was/am planning surgeries on both later this year or next, so the medical benefits are a significant plus. Thankfully, Obamacare kicks in next year and I can pay premiums out of pocket in case of extended unemployment.

FWF has always given helpful and prescient advice. I imagine chances are I will be terminated.
1) Should I take the trouble of gathering and bringing in these items? Especially scouring for the few unaccountable items via Craigslist? Is it just more evidence against me? Or does it help avoid prosecution/etc because it shows transparency in that almost everything was for personal consumption (i.e. not resold for financial gain)?
2) Should I pursue the opening in the outside department? Should I notify my Directors/HR of this possibility when I am (likely) meet with them on Tuesday? Because this is a somewhat related department/work function, personnel will cross-communicate, so this would eventually be revealed, regardless
3) I doubt I will be offered a severance package, but is it likely they make me sign termination papers? Should I try to negotiate something, like no future prosecution or that this indiscretion won't be revealed?
4) Should I be seeking legal counsel immediately? Or await my fate next week?

Thanks in advance.


New User Question Deals
g: 0 Posted By: tedhawkins
Views: 194 Replies: 0 Montgomery by John Partridge Classic Duffle Coat (For Men) $199.95 @ sierra trading

http://www.sierratradingpost.com/barnburners

Nothing even comes close to the quality of a genuine English duffle coat, and this Montgomery by John Partridge Classic duffle coat embodies all the traditional hallmarks -- from the wool-rich fabric, to the horn-toggle front, to the regal plaid lining.

Montgomery by John Partridge apparel is designed with passion, made with pride, and sought after by customers who love the country lifestyle and the distinctive clothing styles that come with it
Handmade in London
Leather horn-toggle front closure
Cozy plaid lining
Button-through throat latch
Patch hand pockets
Montgomery by John Partridge of England
Made in United Kingdom
Visit our Wool Guide


Clothing Deals

Sierra Trading Post Coupons
g: 2 Posted By: MISTERCHEAP
Views: 167 Replies: 0 Product DescriptionCraftsman DC Garage Door Opener: Dependable Like Nothing ElseBacked by Diehard power, thisGarage Door Opener DC Beltsystem delivers smooth opens, secure closes and powerful illumination even when the rest of the house is pitch black. Solid, dependable and loaded with cutting edge technological features, this opener senses movement in the garage and turns the light on for you. In addition to lighting your path, it displays the time and temperature along with displaying info in multiple languages.The built-in PosiLock System delivers a level of tightly sealed garage security that youll wish the rest of the house had, and if youre short of keys, no problem. With a wireless, keyless entry pad system, just punch in your four digit pin code and gain access to your garage in seconds. Powerful, convenient and backed-up to weather power outtages, theCraftsman DC Garage Door Openerdelivers every time you pull into the drive way. Go ahead, strap this machine to your garage ceiling and get dependable operation thats built Craftsman tough.

Includes power unit, two remotes, control console, wireless keyless entry pad, battery back-up unit, safety sensors, rail, hardware, operators manual
The CraftsmanGarage Door Opener DC Beltwith 3/4 HPS works even when theres a power outage
Belt drive and DC motor for ultra quiet operation and soft-start/stop performance
DieHard DC Battery back-up is always charged allowing door control, safety sensors and remote controls to operate on battery power for 20 open/close cycles
Includes 2 Security + 3-function remotes are perfect for multi-car families
LCD Smart-Motion Detecting control console opens and closes door from inside garage while sensing your presence and turning on opener lights automatically
Provides time, temperature, light and lock settings and system diagnostic messages
Wireless keyless entry pad allows access to garage without a key or remote using a secure 4-digit programmable PIN
Security + Anti-Burglary Coding rolling code changes every time button on the remote is pushed
PosiLock System securely locks door when it is down preventing intruders from entering garage
Manual Release Capability allows you to manually open or close garage door
Safety reversing sensors create an invisible beam that senses any obstruction in the way of the closing door and automatically reverses door before contact is made
HomeLink with QuickTrain Technology
Light delay feature turns lights off after a maximum of 4-1/2 minutes
Extension kits to complete installation for 8' and 10' doors are available
Professional installation available
Weighs 38.9 lbs.
Warranty: 10 year motor; 3 year parts

http://www.sears.com/craftsman-dc-belt-drive-garage-door-opener-with/p-00953918000P?prdNo=1&blockNo=1&blockType=G1&blockNo=1&blockType=G1


This product comes with:

Owner's Manual (English)

Home & Garden Deals

Sears Coupons
Advice for a new grad with 1.5k saving monthly
Added on : Wednesday August 28th 2013 10:00:09 AM
g: 0 Posted By: yuriconfuse
Views: 192 Replies: 2 So I just started my first job 6 months ago with 65k salary in the DC area. I am living with my parents and probably will be in the next 4,5 years or maybe until my bf propose? lol.I have no debt and about 20k saving right now. I end up having around 1.5-2k saving monthly after my personal spend and work expense.

Here is the question: How should handle all the these money?
Right now, I have 10k sits in the bank and 10k to mess around with stocks. For the monthly saving, I give 1k to my momjust to make her happy and bank the rest.I think it is kind of waste since most of the money is sitting in the bankand doing nothing. I am going to stop invest in stocks because it doesn't really work for me after trying almost 2 years. I have been reading the rental properties thread and thats the one thing I can think of to utilize the money.

So baseline is with all the margin, 15k cash and 1.5k monthly saving is what I have that is open for advice.
Thanks in advance. Sorry about thepoorEnglish from a Asian who only has been for 3 years.

Personal Finance Deals
g: 2 Posted By: 77Rus
Views: 173 Replies: 2 I will do it 1 to 10, so it is easier to read. Hopefully, somebody finds it useful if you have a tire problem one day. I didn't realize thatthere are so many things involved to get the tire warranty honored.

1. June of 2010 Ive got4 Michelin Hydroedge tires 195/60R15 for my wifes Toyota. I like to use Sams club for that because they do a simple $15/tire installation and balancing, plus they offer free rotation/balancing for the life of the tires plus free flat tire repair. I pay $118 per tire plus installation costs, around $520 OTD.
2. Hydroedge tires have 90,000 miles treadwear warranty from Michelin (Sams club tells me about), however warranty has a fine print (they dont tell me about) you have to do tire rotation every 6,000 miles (6K per Sams club, Michelin says 6K-8K miles for any tires).
3. My wife drives less than 10K miles a year, for3 years she has put less than 27K on the tires. Two weeks ago, while checking the tire pressure (I do that at least once a month), to my surprise I see that all 4 tires have big cracks on them (see picture). Not small hairline, spider web, superficial whatever cracks, but some deep long nasty cracks that actually made me very uncomfortable to think that she has to drive on interstate at the posted 70 MPH on these tires.
4. I drive to Sams club. Hello, can you check you system with my membership number? I have purchased a set of tires from you about 3 years ago and they have cracks on them now for an unknown reason, look! They try; the system only allows them to search for 2 years so no dice. They want original receipt anyway, plus they want to know if the tires were rotated every 6K miles. Man, it is dry rot, it is normal in Alabama. They suggest calling Michelin since they can help me better than Sams.
5. I search the house and find the receipt! And I call Michelin. Michelin tells me5 important things: a) Cosmetic ozone or weather cracking is not covered 2) tires have 6 years workmanship/materials warranty 3) I need to take the car to a local retailer for inspection with original installation invoice and , hello, a completed service form 4) the retailer will check and if they agree that it is covered, they will use prorated formula to give me credit for new tires counting the remaining tire life and the original price5) any installation costs are not covered.I ask them politely WTF is a completed service form??? Well, they reply, any records that can show that the tires were rotated and inspected every 6K-8K miles. OK, thanks Michelin.
6. The only time I took my other car to Sams to do rotation theyve spent 2 1/2 hrs on it! Since then Ive decided to do tire rotation myself when I check the brakes, and I check those about once a year. Am I complaining about treadwear? No, Im complaining about deep long cracks on all 4 wheels. Those have nothing to do with rotation IMHO, especially on Hydroedge tires which are directional tires and can only be moved front to back same side, but not front to rear opposite side.
7. I go to http://www.toyota.com/owners/web/pages/homeand fill the service history myself, that page doesn't care who did what, you can enter whatever. I print it for Michelin after that to have the completed service form.
8. I go to Sams club. Young shift manager of the tire department checks the original receipt andwalks outside to take a look. Our conversation goes like this:
- It is dry rot. It is normal, Im sorry.
- The tires are 3 years old and have 90K warranty on them
- 90K warranty does not apply here; it is dry rot, normal weather damage.
- Listen, my other car has Dunlop tires for 4 years. They dont have cracks. I may have to replace them soon because of treadwear, but they dont have cracks.
- You dont expect tires to last 10 years, do you?
- Hell no. I expect them to last at least 6 years, thats what the warranty Michelin has for material.
- Weather cracking is not covered
- COSMETIC WEATHER CRACKS are not covered, deep cracks are not "cosmetic"...
- I dont know, man. I dont decide. I will call the store manager and if he OKs it we will see.
- I understand. Michelin said I can get credit for unused tire life, just check the tread. I have 63,000 miles left per their warranty.
9. Store manager comes. Actually, a very nice guy. I start showing him my tire service records, Michelin warranty I have printed, stick a cent into one of the biggest cracks, tells him that my other Sams club tires dont have this problem so it is probably just a bad batch. Store manager OK the replacement using 75% of the original life left!
10. We walk to the register and I purchase a set of BFGoodrich tires with 75K warranty (Sams club tells me about, see #2 above) for $6.62/each after discount, plus installation costs, total $93.13 OTD

Why did Michelin cracked? I still dont know. But Im highly suspicious that it is because of Armor All tire shine Ive started using onthe wife'scar to make her happy. Ive noticed that the tire walls started getting lighter and lighter with time, so I was applying more and more of that crap.
Thanks.
Personal Finance Deals
Getting replacement tires from Sams club and Michelin. Success story.
Added on : Tuesday August 27th 2013 06:00:06 PM
g: 0 Posted By: 77Rus
Views: 25 Replies: 0 I will do it 1 to 10, so it is easier to read. Hopefully, somebody finds it useful if you have a similar problem one day.

1. June of 2010 Ive got4 Michelin Hydroedge tires 195/60R15 for my wifes Toyota. I like to use Sams club for that because they do a simple $15/tire installation and balancing, plus they offer free rotation/balancing for the life of the tires plus free flat tire repair. I pay $118 per tire plus installation costs, around $520 OTD.
2. Hydroedge tires have 90,000 miles treadwear warranty from Michelin (Sams club tells me about), however warranty has a fine print (they dont tell me about) you have to do tire rotation every 6,000 miles (6K per Sams club, Michelin says 6K-8K miles for any tires).
3. My wife drives less than 10K miles per year. For 3 years she has put less than 27K miles on the tires. Two weeks ago, while checking the tire pressure (I do that at least once a month), to my surprise I see that all 4 tires have big cracks on them (see picture for an example). Not small hairline, spider web, superficial whatever cracks, but some deep long nasty cracks that actually made me very uncomfortable to think that she has to drive on interstate at the posted 70 MPH on these tires.
4. I drive to Sams club. Hello, can you check you system with my membership number? I have purchased a set of tires from you about 3 years ago and they have cracks on them now for an unknown reason, look! They try; the system only allows them to search for 2 years so no dice. They want original receipt anyway, plus they want to know if the tires were rotated every 6K miles. Man, it is dry rot, it is normal in Alabama. They suggest calling Michelin anyway, since they can help me better than Sams.
5. I search the house and find the receipt! And I call Michelin. Michelin tells me 4 important things: a) Cosmetic ozone or weather cracking is not covered 2) tires have 6 years workmanship/materials warranty 3) I need to take the car to a local retailer for inspection with original installation invoice and , hello, a completed service form 4) the retailer will check and if they agree that it is covered, they will use prorated formula to give me credit for new tires counting the remaining tire left and their price 5) any installation costs are not covered.I ask them politely WTF is a completed service form??? Well, they reply, any records that can show that the tires were rotated and inspected every 6K-8K miles. OK, thanks Michelin.
6. The only time I took my other car to Sams to do rotation theyve spent 2 1/2 hrs on it! Since then Ive decided to do tire rotation myself when I check the brakes, and I check those about once a year. Am I complaining about treadwear? No, Im complaining about deep long cracks on all 4 wheels. Those have nothing to do with rotation IMHO, especially on Hydroedge tires which are directional tires and can only be moved front to back same side, but not front to rear opposite side.
7. I go to http://www.toyota.com/owners/web/pages/homeand fill the service history just in case so Michelin fills better; I print it after that for the same reason so they can get their completed service form.
8. I go to Sams club. Young shift manager of the tire department checks the original receipt andwalks outside to take a look. Our conversation goes like this:
- It is dry rot. It is normal, Im sorry.
- The tires are 3 years old and have 90K warranty on them
- 90K warranty does not apply here; it is dry rot, normal weather damage.
- Listen, my other car has Dunlop tires for 4 years. They dont have cracks. I may have to replace them soon because of treadwear, but they dont have cracks.
- You dont expect tires to last 10 years, do you?
- Hell no. I expect them to last at least 6 years, thats what the warranty Michelin has for material.
- Weather cracking is not covered
- COSMETIC WEATHER CRACKS are not covered, deep cracks are "cosmetic"...
- I dont know, man. I dont decide. I will call the store manager and if he OKs it we will see.
- I understand. Michelin said I can get credit for unused tire life, just check the tread. I have 63,000 miles left per their warranty.
9. Store manager comes. Actually, a very nice guy. I start showing him my tire service records, Michelin warranty I have printed, stick a cent into one of the biggest cracks, tells him that my other Sams club tires dont have this problem so it is probably just a bad batch. Store manager OK the replacement using 75% of the original life left!
10. We walk to the register and I purchase a set of BFGoodrich tires with 75K warranty (Sams club tells me about, see #2 above) for $6.62/each after discount, plus installation costs, total $93.13 OTD

Why did Michelin cracked? I still dont know. But Im highly suspicious that it is because of Armor All tire shine Ive started using on her car to make her happy. Ive noticed that the tire walls started getting lighter and lighter with time, so I was applying more and more of that crap.
Thanks.
Personal Finance Deals
HARP refinance?
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 0 Posted By: RBirns
Views: 53 Replies: 0 Just got contacted by the holder of my mortgage. They are offering me a simplified refi under Obama's HARP program (so they say). I understand this program is supposed to help underwater folks refinance easily, but my loan is not underwater. Loan balance is about $168K, market value somewhere over $600K. Anyway, I'm halfway through a 20 year mortgage at 5.5%. They are offering a simplified refi to a new 10 year loan at 4%. Closing costs of about $3500 would be rolled into the loan so nothing out of pocket. My payment will go down $53 a month, ending at the same time as my existing loan. No documentation, just proof of insurance and verification that I'm currently employed. Is this a good idea?
Personal Finance Deals
Need New Federal Student Loans To Qualify For 10% IBR
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 1 Posted By: perpetualstudent
Views: 139 Replies: 2 I went to grad school in 2009 to 2011 for an MBA and took out massive student loans. While things were not unexpected, basically everything went as badly as they could. (A) not qualifying for in-state tuition. (B) massive tuition increase between first and second year (C) not qualifying for an assistantship either year (D) not obtaining a paid internship and working for free over the summer.

While I did have a risk plan going in, every single risk occurred simultaneously and my mitigation strategy for this outcome was to use Income Based Repayment and qualify for forgiveness after 25 years. Had at least half of the things went right, I intended to pay back the student loans within 5 years. But everything possible went wrong and $150k of federal student loans at a weighted average of 7.4% interest is not something I can reasonably pay back. While this intro has nothing to do with the question in the post, I list it for background information.

The strategy now is to legally use the system in my favor and that will involve taking new federal student loans, because our president's student loan executive order in 2012 only helps people who have at least one student loan in 2012 or later, and who have no loans prior to 2008. If I get in that plan, then my IBR drops from 15% of my discretionary income down to 10% and the 25 year repayment period drops to 20 years.

I ran the numbers and it would make sense for me to stop working for a year and do one more year of school, in any program, it doesn't matter what, just so I can take out new federal students and thus put all $150k onto the new 10%/20 year plan. The new IBR rules apply retroactively to all previous loans, if you have at least one loan in 2012, not just to loans in 2012 and later.

The problem is only federal student loans work and certain criteria, of which I'm not certain of, must be met in order for federal loans to cover tuition. It's my understanding it must be some kind of "degree-seeking program." I don't think I can get a federal student loan to cover massage therapy school, for example.

Can anyone recommend how I might get a new federal student loan issued, considering I already have an MBA and a BA degree?

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
g: 0 Posted By: remick
Views: 83 Replies: 0 http://www.giveawayoftheday.com/

Do you have a lot of photos you want to share with your friends and family? Are you a professional photographer and want to sell your photos from your website? Maybe you need a photo gallery for your online store? Then we have a perfect tool for you!Extreme Thumbnail Generator is a powerful, yet easy to use HTML photo gallery software. It will let you make beautiful web photo album with just a few mouse clicks! Even if you know nothing about the HTML and image processing the result will be outstanding! On the other hand, you have the full control over the look and feel of your pages all gallery templates are plain HTML files, so you can easily customize them using the built-in template editor or your favorite HTML editor. When your gallery is ready you can immediately upload it to your website using the built-in FTP publisher module.

System Requirements: Windows XP, 2000, Vista, 7, 8; 10 MB on hard disk.
Computers & Software Deals
GUNS, S&W M&P Shield compact 9mm pistol for $379 @ SG USA
Added on : Saturday August 24th 2013 06:00:03 PM
g: 1 Posted By: Logan71
Views: 230 Replies: 0 Seems to be ~$30 cheaper than the deal I posted last week - I know nothing about this seller, though.

Link
Smith & Wessons new M&P SHIELD is a slim, concealable, lightweight, striker-fired polymer pistol. Available in 9mm and .40 S&W, the new M&P SHIELD features a slim design combined with the proven and trusted features found in the M&P Pistol Series.
Caliber: 9mm
Capacity: 7 Round & 8 Round
Action: Striker Fire
Barrel Length: 3.1" / 7.874 cm
Front Sight: White Dot
Rear Sight: White 2-Dot
Overall Length: 6.1" / 15.5 cm
Frame Width: .95" / 2.413 cm
Overall Height: 4.6" / 11.684 cm
Weight: 19.0 oz / 538.7 g
Frame Material: Polymer
Barrel/Slide Finish: Black Melonite 68 HRc
Trigger Pull: 6.5 lbs. +/-
Sight Radius: 5.3" / 13.3 cm
Guns & Ammo Deals
Seagate Expansion 1TB usb 3.0 Desktop Hard Drive $49.99 newegg f/s
Added on : Saturday August 24th 2013 02:00:02 PM
g: 0 Posted By: h2oefx
Views: 172 Replies: 0 Linkyuse promo codeEMCXMVT33

Seagate Expansion external hard drive features like these make it easy to start using this drive within seconds of removing it from the box:

Simply plug in the included power supply and USB cable
The hard drive is automatically recognized by Windows operating systemno software to install and nothing to configure
Drag and drop to save files to the Expansion external hard drive
Built-in power management automatically ensures energy-efficient operation

External Hard Drives Deals

Newegg Coupons
Are King's Island day tickets transferrable?
Added on : Friday August 23rd 2013 03:00:10 AM
g: 0 Posted By: IStillPickUpPennies
Views: 10 Replies: 0 It looks like we are going to take a ~45 minute trip to spend a day at King's Island tomorrow. The best deal I've found online is $31.99 plus tax on the website.

However, I've also found someone offering King's Island tickets, saying that a family emergency cancelled their travel plans.

My question is this: how can I be sure that the tickets are not linked to driver's license/name of the original purchaser? The last thing I want to do is get down there and find out I shelled out $$ for tickets that we can't use. The information I've found on the KI website only seems to address transferring season passes - nothing about whether daily passes are good for whoever bears them, or if they are linked to certain person.

If anyone has been to King's Island lately, and knows whether they just let whoever is carrying an unused day pass in the door, or if there are lots of links to the original purchaser, I would really appreciate a heads up. Thanks!
Another BOA Closure
Added on : Thursday August 22nd 2013 03:00:05 AM
g: 0 Posted By: pwm112
Views: 87 Replies: 0 Just had 2 checking accounts and a savings account closed. First checking account had $250 of KTC rewards that I will not get. KTC from $1.0x debit card spending over the course of 60 days or so. All to Verizon or Sprint. Nothing exotic. Second checking was newly created and had a newly requested Alaskan Airlines debit card. The AA card had a single purchase for $800 on it. I had just activated the KTC on the second checking. Saving account was the KTC collector - had $1 in it. CSR andsupervisor citedBOA made a business decision and cited account agreement - either sidecan close for any reason, blah,blah. Have a BOA CC, that apparently is still open. I did have a number of $1000 inbound transfers going on -4 * $1000 for for 4 straight days as well as a $2000 Citi push. I was ramping up to put some spend on the BOA AA card.

This is first just a heads up for all.

Second - anyone able to reapply for a BOA checking after a closure.
Discussion Deals
Amazon FREE eBooks for Kindle (repost, edited link)
Added on : Tuesday August 20th 2013 09:00:15 AM
g: 0 Posted By: jaarons
Views: 62 Replies: 0 I found this on another Deal site, apologies for the formatting:


Free For Now Kindle Books - Posted on 8-20 with most expiration dates and genreOne, Two ... He is coming for you (Rebekka Franck #1) by Willow Rose
Ends 8/23
Genre Mysteries

http://www.amazon.com/One-coming-...B004WPP8YW

30 reviews, 4 of 5 stars

Publication Date: April 14, 2011
INTERNATIONAL BESTSELLER!

NEW EDITED VERSION.
Another serious page-turner from Scandinavian Mystery Fiction.
Once you start One, Two ... He is coming for you - there is absolutely no turning back.

Book Description:
Set in the Danish coastal town of Karrebaeksminde, journalist Rebekka Franck returns to her hometown with her six year old daughter. She is trying to escape her ex-husband and starting a new life for her and her daughter, when the small sleepy town experiences a murder. One of the kingdoms wealthiest men is brutally murdered in his summer residence in Karrebaeksminde. While Rebekka Franck and her punk photographer Sune try to cover the story for the local newspaper another murder happens on a high society rich man. Now Rebekka Franck realizes that the drowsy little kingdom of Denmark has gotten its first serial killer and soon a series of dark secrets - long buried but not forgotten - will see the day of light.
One, Two ... He is coming for you is the first book in Willow Rose's mystery-series about the reporter Rebekka Franck and her photographer Sune. The second book is called Three, Four ... Better lock your door.
This ebook also includes an excerpt from Willow Rose's newly released shortstory Rock-A-Bye Baby.











The Teacher's Billionaire (The Sherbrookes of Newport Book 1) by Christina Tetreault
Ends 8/20
Genre Romance

http://www.amazon.com/Teachers-Bi...B007M8VCCS

409 reviews, 4 of 5 stars

Publication Date: March 18, 2012
Callie Taylor's life is turned upside down when she learns the truth about her birth following the death of her mother. Not only is her father alive, but he's none other than presidential candidate Senator Warren Sherbrooke.

Billionaire and confirmed bachelor, Dylan Talbot, is devoted to his family. When his stepfather Warren Sherbrooke receives a letter from a past love telling him they have a daughter together, Dylan is instantly suspicious. In order to keep the media vultures away and protect Warren's political aspirations, Dylan convinces Warren to let him handle the situation.

As Callie and Dylan spend time together, they can't resist the feelings that blossom between them. However, when Callie learns the real reason he has been spending time with her their fledgling romance is put in jeopardy and only complete honesty can save it.

This is a Contemporary Romance.

AN EDITED VERSION OF THIS BOOK WAS UPLOADED. HOWEVER, IT IS POSSIBLE THAT SOME READERS PURCHASED THE BOOK PRIOR TO THAT EVENT.


Some of the authors favorite lines:

I'm not sure. Maybe that is how you Englishman say hello to your friends. I've never been to England, Callie teased as she moved her hands to his shoulders. I might need more convincing, she said her voice all business.

There's no place I'd rather stay especially if it means more of your apple cinnamon pancakes for breakfast. Preferably served to me in bed by you completely naked, but I'm flexible.

Sounds like a challenge to me. One I look forward to undertaking.









Chasing the Lost (The Green Beret Series) by Bob Mayer
Ends 8/24
Genre Thrillers

http://www.amazon.com/Chasing-Gre...B00CFADU3

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.











Eternity Base by Bob Mayer and Steven Cooper
Ends ???
Genre Thrillers

http://www.amazon.com/Eternity-Ba...29&sr=1-41

19 reviews, 4.5 of 5 stars

Publication Date: January 21, 2012
From the NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

Maverick federal employee Sammy Pintella, obsessed with uncovering the fate of her MIA father, makes a startling discovery while rifling through some inactive government files. A dozen, faded black and white photos seem to point to the existence of a secret US Military base built in the frozen wastelands of Antarctica during the height of the Cold War.

Aided by Special Forces veteran Dave Riley, she heads for Antarctica. But they arent alone. Spies, North Koreans and other shadowy forces are also en route, because deep inside Eternity Base is something people will go to extreme lengths to get: a cache of nuclear warheads.


A federal employee intent upon discovering the truth about her missing in action father stumbles upon a closely-held secret about an Antarctic military base - a base illegally constructed and which has been kept a secret by a serious of murders. When she and her reporter sister fly to the base for an in-depth probe, murder begins to stalk them in this tense novel. Unlike most military stories this will appeal to general audiences as a fine thriller. Highly recommended, indeed. -- Midwest Book Review

The Green Beret Series:
Eyes of the Hammer
Dragon Sim-13
Synbat
Cut Out
Eternity Base
Z

And Introducing Horace Chase in:
Chasing the Ghost
Chasing the Lost









Chasing the Lost: The Green Beret Series, Book 3 by Bob Mayer and Jeffrey Kafer
Ends ???
Genre Thrillers

http://www.amazon.com/Chasing-Los...29&sr=1-44

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.









The Highlander's Hope by Cali MacKay
Ends ???
Genre Contemporary & Historical Romance

http://www.amazon.com/The-Highlan...00A3M

270 reviews, 4 of 5 stars

Publication Date: November 7, 2012
When Dr. Catriona Ross discovers clues to a long lost highland treasure, her only hope of finding the jewels is to obtain the help of Scotland's most eligible bachelor and playboy, Iain MacCraigh.

Iain can't believe his luck when he finds out the jewels are hidden away somewhere on his land-- and it doesn't hurt that the historian looking for them has curves to go with her smarts. With his brother betting the family fortune, this is the life line he desperately needs.

The odds are against them, and with word getting out about the jewels, they're not the only ones on the hunt. Time's running out, but can they learn to trust each other, or will they lose the jewels and true love in the process?

* This is Book One in the series. *









Amelia's Story by D.G Torrens
Ends 8/21
Genre Bios & Memoirs

http://www.amazon.com/Amelias-sto...B0063PR97

165 reviews, 4 of 5 stars

Publication Date: November 4, 2011
A life of pain and rejection.
This is a powerful true story of one young girls struggle to survive the state care system in the 70's and 80's. Amelia has just one wish, to make it to adulthood, to hold her destiny in her own hands. This is a harrowing true story, one of survival and human strength. Amelia has been separated from all her siblings never to see them again for many years, she is moved from one children's home to another, until finally it's just too much for her to bear. Amelia starts to wonder about the peace and finality of her own death.








Evan Burl and the Falling by Justin Blaney
Ends ???
Genre Fantasy

http://www.amazon.com/Evan-Burl-F...B0090WXO16

87 reviews, 4.5 of 5 stars

Publication Date: May 20, 2013
Discover #1 bestselling novel, Evan Burl and the Falling
My father abandoned me when I was an infant.
My friends have turned against me.
My uncle beats me.
The most powerful men in the world want me dead.
They all have one thing in common.
They think I'm turning into a monster.

I'm starting to worry they're right.

An excerpt from Evan Burl and the Falling
I found myself in a kingdom of stars and clouds. Endless. Deadly. And blue as blood.

Stretching without blemish from one side of the world to the other, the sky was perfect but for one single black speck.

If anyone was watching, they might have wondered whether I was merely napping on a pillow of thin air.

But it was nothing so pleasant.

This was a falling.

For what felt like hours, the whole world seemed frozen below me. Except for the wind, everything was silent. It seemed as if I could stay up there forever. It was beautiful really, whenever I managed for a few moments together to ignore the fact that I was hurtling toward the ground at about 214 miles-per-hour.

I didn't really even feel sick to my stomach.

Until the last thirty seconds.

First, the rolling mountains and hills, which always seemed so solid and unshakable, lumbered toward me like hulking bullies begging for a fight.

Then houses and barns. They popped out of the ground, like grasping hands from a fresh grave. Pulling me down. Into the earth, where I belong.

Ten seconds later, what seemed like a bit of lint stuck to my eyelash transformed into a living human. Then more. Dozens, hundreds of people. Working, eating, anything but looking up to see me plummeting through the sky like a shooting star.

Another ten seconds--far too soon--and the whole world was rushing up at a speed that turned my stomach to acid.

It was the last hundred feet that really tested what I was made of.

Gasping one last lung full of air, I realized in that moment that I was far less brave and far more foolish than I could possibly have imagined.

And right before the end, I closed my eyes.

Because no one can watch a falling.

Praise for Evan Burl and the Falling
"Amazing!" -- Melissa Williard

"The best fantasy book I've ever read" -- Mitsy Princell

"I want more! It just isn't right that's over. Evan Burl is every bit as good as the top YA fiction out there right now, in my opinion, better. The characters are brilliant, each story line is captivating, the content is complex and unpredictable, and I am intrigued to read more." -- Bethany Canfield

"I'll never view a clear, blue sky the same! This book took ahold of my imagination and guided me through the forgotten hallways and secret rooms I've always dreamed of finding. A fantastic story about the burden of knowing one's destiny, and desperately trying to avoid it." -- Eric Nienaber

"Wickedly complex villains so entertaining and terrifying they'll get under your skin and never let go. Evan Burl's world will fascinate you, creep you out and leave you begging for more." -- Mary Weber

"This eerie world and amazing cast of characters grabbed my heart from the first page and never let go. I can honestly say I would do anything to get an advance copy of Evan Burl's next chapter." -- Natalie Medina

"I'm hooked. So many threads of greatness, I can't wait to see how the series ends." -- Annie Biondi

"Justin Blaney creates a wonderful world of intrigue, mischief, and magic that comes alive through vivid storytelling. This is a struggle of good and evil at its finest ... it will have your mind on edge as you race to the end." -- Kari Skinner

"I read Evan Burl and the Falling when I was supposed to be working on my homework. That should speak for itself, it was a fantastic distraction from reality." -- Jessie Crowthe









The Soulmate Experience: A Practical Guide to Creating Extraordinary Relationships by Mali Apple & Joe Dunn
Ends 8/21
Genre Religious & Inspirational

http://www.amazon.com/Soulmate-Ex...004Y5OJUY/

119 reviews, 4.5 of 5 stars

Publication Date: April 26, 2011
2012 International Book Awards Gold Medal Winner in the "Relationships" category
2012 Living Now Awards Silver Medal Winner in the "Relationships/Marriage" category

Create the Love of Your Life--Keep the Life in Your Love

Single, in a relationship, or married: people of all walks of life and all ages are finding this new book on enlightened relationships inspiring, accessible, and truly transformational. This revolutionary guide will help you create and sustain a relationship that is intimately connected on all levels--emotional, intellectual, sexual, and spiritual--and a continual source of love, inspiration, and joy.

In Part 1, chapters like "Loving Your Body," "Reducing Your Baggage," and "Raising Your Soulmate Potential" will help you release anything that might be preventing you from experiencing a deeply connected relationship. As you read, you will quickly begin to feel more loving and compassionate toward yourself, more connected to those around you, and more confident about and creating your own soulmate experience.

In Part 2, chapters such as "Creating a Context," "Turning Expectations into Invitations," "Transforming the Energy of Jealousy," "Exploring the Edges," and "Connecting on a Soul Level" will give you everything you need to approach even the most challenging aspects of relationships in ways that will actually deepen your experience of love and intimacy. You will discover the secrets to keeping the love, passion, and connection in your relationship fully alive--every single day. And you will learn how to lovingly guide each other to release limiting beliefs, heal the past, rise above perceived limitations, and unlock the potential in every area of your lives.

Whether you're on a quest for your soulmate, looking for deeper connection in the relationship you have right now, or just want to experience much more love in your life, the ground-breaking ideas in this book--and the many stories of real people putting them into practice--will fill you with love, inspiration, and possibility. Because The Soulmate Experience isn't just a book. It's a great way of living life.

About the Authors
Mali Apple and Joe Dunn host the very popular community "The Soulmate Experience" on Facebook. They have dedicated their relationship to discovering how to create magical relationships and keep the magic in any relationship alive. Their greatest joy is inspiring others to bring more of the soulmate experience into all their relationships.







The Pursuit of Happiness: 21 Spiritual Rules to Success by Jennifer O'Neill
Ends 8/21
Genre Advice & How-To

http://www.amazon.com/The-Pursuit...007RG

91 reviews, 4 of 5 stars

Publication Date: April 3, 2012
What do most people desire in life? It is not money, it is not even love, it is happiness!

Praise for The Pursuit of Happiness: 21 Spiritual Rules To Success:
One of the best inspirational books I have read in a long time. -- Aulani
These tools help shift your thinking, commit to your dreams and show you anything is possible -- Linda H.
If I find myself in a slump or needing motivation, it's a great resource to get me back on track. It really gave me a sense of peace and clarity -- Annette
The author uses personal example as a means of getting her message across, as well as provides exercises at the end of Spiritual Rules to assist the reader in better accomplishing their personal goals. Her key insights, into different situations, really hit home for me. -- Lamanda A. Nance
The Book:
Learn how unnecessary negativity in your life can be avoided.
Discover how to shift negative thinking into positive thinking.
A positive attitude will change your life, keeping a positive attitude
can be easier then you think when following these simple rules.
Everyone is searching for happiness. This book is a mini-course outlining 21
spiritual rules to finding success when you are in "The Pursuit of
Happiness." The book was designed with a specific purpose, as a guide to
help you tap into your natural ability to be happy. Everyone has the
ability to find happiness in his or her life, yet sometimes you need a
road map. "The Pursuit of Happiness" is your spiritual road map.
Buy a copy and learn to enjoy the journey!









Goddess Legacy: Goddess Series Book 1 (Young Adult / New Adult Series) by M.W. Muse
Ends ???
Genre Romance

http://www.amazon.com/Goddess-Leg...B00B9DN2Z

88 reviews, 4 of 5 stars

Publication Date: January 31, 2013
**An updated file was loaded April 23, 2013, to fix grammatical and conversion issues with the initial book file**

Legacy Kore is an average seventeen year old with your basic insane crush on the hottest guy in school... rather Adin Shepard was the hottest guy in school before he graduated a couple of weeks ago. Now it's summer vacation and she's not sure when she'll get to see him again. Until he shows up at her surprise seventeenth birthday party. Cue saliva glands--it's time to drool.

But her giddiness is cut short when her guardian delivers an emotional blow, telling Legacy her mother hadn't died when she was baby, but that she'd left for Legacy's protection all those years ago. After the initial shock, she expects some story about how her mother was in the Witness Protection Program or something else just as crazy, but when she's told that her mother is a Greek Goddess and that Legacy is changing into one too, she thinks her guardian needs a trip to a mental hospital. Legacy a goddess? Um, yeah. Right. And her BFF is the Easter Bunny.

While trying to make sense out of something that was impossible to believe, Adin asks Legacy out on a date. She is thrilled that her fantasy might become a reality, but when she meets the new guy in town, River, she discovers everything isn't always as it seems, and the legacy she wants just might not be the legacy she is destined to have.

Order of Goddess Series:
Goddess Legacy
Goddess Secret
Goddess Sacrifice
Goddess Revenge
Goddess Bared
Goddess Bound (Releases Early June 2013)
Totally Free Deals
g: 8 Posted By: archena
Views: 4330 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
g: 0 Posted By: jippidy
Views: 89 Replies: 2 Super pizza deal! YMMV because this is only going to be of interest to folks living in or traveling to Los Angeles, as this pizza chain is only in LA. SoCal pizza chain Big Mama's & Papa's Pizzeria just sent this offer: 18" Large Pizza with 3 toppings for $6.99! If you've never tried their pizza before, it's legit - they really load up the toppings! And the taste is great, but it will put you in a serious food coma! The catch - you can only get your unique promo code by signing up to receive their text message offers. Text the word "PIZZA" to 486479 (HUNGRY) on your phone. You can take a look at the email they sent here http://www.bigmamaspizza.com/_ads/textpizza17/.If you sign up for their text message offers, you are opting in to receive regular text messages from them. I've only been getting one text message per week (on Mondays), and each time it has only been to share a similarly slick deal like this. I do see some fine print as well - online delivery order only, delivery fee applies, coupon expires in one month, nothing too restrictive.I've attached a copy of the ad, which I received via their newsletter today. The ad says it's valid for Online Delivery Orders only (ordered on their website http://bigmamaspizza.com).
Restaurants & Entertainment Deals
g: 0 Posted By: bonghead
Views: 20 Replies: 0 Airfare consolidators tend to omit flights that connect to trains from their searches. In other words, most of these "aerodrome" codes for train stations yield nothing on most travel sites. Exceptionally, itasoftware.com finds such "rail flights". However, ita often fails to find inventory when specifically queried. e.g. ita finds nothing when XRF is the sole departure airport. But if the departure airport includes the whole region, then it finds a mix of both rail flights and pure flights. Clearly there are some bugs in ITA. Also, some inventory is completely missing from ITA (e.g. ZMB is not even recognized).So besides ITA, what else is there?
Railway Deals
g: 0 Posted By: Butcherboy
Views: 1 Replies: 0 http://1saleaday.com/With more power, 4G speed and mind-expanding capabilities, the HTC Thunderbolt for Verizon is the first phone to truly deliver on the promise of wireless technology. The HTC ThunderBolt is nothing short of remarkable in design. This Android touchscreen phone houses a whopping 1 GHz Qualcomm Snapdragon processor for the smoothest mobile multi-tasking experience ever. On the large 4.3 WVGA TFT capacitive touchscreen of this HTC smartphone, you can view clear, highly detailed visuals. The 8-megapixel rear camera (with auto-focus and dual LED flash) of the HTC ThunderBolt lets you capture detailed stills and video in HD 720p, while the 1.3-megapixel front camera lets you video-conference with your contacts. Being a WiMax mobile, this Android touchscreen phone allows you to access the Internet from up to five devices. The HTC Sense graphical user interface of this HTC smartphone makes available social network integration across a multitude of apps, specialized HTC widgets, and various other customizations. And with the Android 2.2 OS, you'll be able to experience the full Internet thanks to its support for Adobe Flash 10.1-enabling you to play games, watch videos, and more!Condition: RecertifiedPackaging: BoxWarranty: 90 DaysBrand: HTCModel: Thunderbolt 4G Product Features: 4G Network LTE 700 MHz Class 13 (Verizon) 3G Network CDMA2000 1xEV-DO 2G Network CDMA 800 / 1900 Qualcomm MSM8655 Snapdragon 1Ghz Processor 4.3" Super LCD display with capacitive multi-touch capabilities Android 2.2 + HTC Sense UI 8MP with autofocus, LED Flash (2x LED) 1.3MP front facing camera 4GB internal memory storage (Micro-SD expandable up to 32GB) WLAN Wi-Fi 802.11 b/g/n, DLNA, Wi-Fi hotspot Bluetooth: 2.1 with EDR (3.0 when available) Integrated GPS with AGPS Battery capacity of 1400mAh HTML Web browser (WebKit-based) with support for Adobe Flash Player 10.1 Full messaging capabilities including SMS text, MMS picture/video and IM instant messaging Micro USB 2.0 port with mass storage capabilities Compass sensor, G-Sensor, Proximity sensor and Ambient Light sensor Device Dimensions: 4.8 (H) x 2.6 (W) x 0.52 (D) What You Get: HTC Thunderbolt 4G for Verizon Wireless Charger
g: 0 Posted By: VivYip
Views: 254 Replies: 0 I received email just now, so I apologize if this is repost.Office Depot in the past did this automatically, but just in case, they're sending out an email coupon with the following:Free Tote with stamps
Free Tote Coupon: Valid in-store only. Must print this email and present to cashier in-store at time of purchase. Not valid for purchases made in Office Depot convenience/clearance/closing stores. Cannot be combined with Store Purchasing or Procurement Cards. Coupon is good for one-time use only, is not transferable, is not for resale or auction and cannot be combined with other offers or promotions. No Cash Back. Void where prohibited. Limit 1 coupon per household/business. Coupon expires 8/17/13 11:59 PM ET. Coupon Code 10669891This is useful to convert rewards and get a tiny extra thing. Better than nothing,Thank you for reading
Clothing Deals

Office Depot Coupons
office depot: free tote with purchase of stamps (B&M) exp 8/17/13
Added on : Friday August 09th 2013 03:00:02 AM
g: 0 Posted By: VivYip
Views: 0 Replies: 0 I received email jsut now, so I apologize if this is repost.Office Depot in the past did this automatically, but just in case, they're sending out an email coupon with the following:Free Tote with stampsFree Tote Coupon: Valid in-store only. Must print this email and present to cashier in-store at time of purchase. Not valid for purchases made in Office Depot convenience/clearance/closing stores. Cannot be combined with Store Purchasing or Procurement Cards. Coupon is good for one-time use only, is not transferable, is not for resale or auction and cannot be combined with other offers or promotions. No Cash Back. Void where prohibited. Limit 1 coupon per household/business. Coupon expires 8/17/13 11:59 PM ET. Coupon Code 10669891 This is useful to convert rewards and get a tiny extra thing. Better than nothing,Thank you for reading
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
10% OFF Dickies Jeans/Pants/Shirts + $25 Rebate on $100 + Free Shipping
Added on : Wednesday August 07th 2013 11:00:07 AM
g: 1 Posted By: Deals4mykids
Views: 198 Replies: 0 10% OFF Dickies Jeans/Pants/Shirts + $25 Rebate on $100 + Free Shippinghttp://workingperson.com/brands/dickies-clothes.htmlThis place has Dickies clothing on sale 10% off plus there is a rebate promotion from Dickies that gives back an additional $25 off $100, $15 off $75, $10 off $50, or $5 off $25.Free shipping too, nothing like triple savings!Dickies makes a quality product. Their pants last a lot longer than the ones I have bought from places like WalMart. I generally don't like rebates but if you have the patience it makes some of the stuff a really really good deal.
Clothing Deals
g: 0 Posted By: teddibear703
Views: 210 Replies: 0 Hi Guys, i posted this up in another deals forum but forgot to put it up here:My directv subscription came up a few months ago. I called in and was given an offer which i thought was ok, but not great. So i waited and called back every 2 weeks. Every 2 weeks, the offers that I got became worse and worse, so i finally decided to switch to Dish.I didn't see any good deals for dish other than what was listed however here are the best deals that I found. I went with the $200 rebate back
Option #1
GWdish.com will rebate you $200 back with the AT200 package and up, or $150 for the AT120 package.I got the Hopper and comes with the free Sling adapter!!!!NOTE: Website is nothing fancy, this is a small company, but I did get the rebate check as promised right away. It looks like they are compensating the difference so i'm ok with helping out the small guy.
Option #2
If you prefer to go with a bigger company, this link will get you $100 credit with Amazon.http://www.dish.com/redirects/partners/amazon/
I went with option 1 since i got $200. I received it after 1 week of ordering the service. Both options should be free activation and no installation fee.I really dont like directv since they kept raising their rates every time i called. Normally i can negotiate better and better, but this just got worse and worse!
Update: I really love Dish over directv. The hopper is really awesome. It records all my primetime shows and then it can auto skip all the commericals for the recorded primetime shows. Even better is that i can watch dish network on my iphone or ipad anytime anywhere as long as i have a good connection!
Services Deals
g: 2 Posted By: archena
Views: 191 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
Are all public trading companies like this?
Added on : Tuesday August 06th 2013 03:00:13 PM
g: 0 Posted By: beyond827
Views: 12 Replies: 0 I work for a Fortune 500 IT company. Ever since the Great Recession the company has been cutting cost - first by eliminating travel fundings and raises, and now with furloughs and layoffs. The company is making money, but lower cost means higher stock price. I've always wondered if that's just how things are nowadays, or this one is really going down. This is the only real job I've had since college, so I have nothing to compare with. My friends who work for other large companies also seem to have similar complaints. I'm sure employees of Google and Apple are much happier, but I was hoping people could share their experience with other "normal" companies.
Personal Finance Deals
YMMV Possible $3mm ac's/ECB on Revlon Nail Polish to 8/10 at CVS
Added on : Tuesday August 06th 2013 10:00:15 AM
g: 0 Posted By: MISTERCHEAP
Views: 23 Replies: 0 Revlon Nail Polish (sale price) - $4.99
-(1) $3/1 Revlon Cosmetic Item CVS Coupon (Red Coupon Machine) printing now for many cards BUT NOT ALL
-(1) $2/1 Revlon Cosmetic Item, exp. 8/18/13 (SS 07/28/13 #2 R)
Pay: Nothing
Get: $3.00 ECB (limit 6)
as low as FREE + $3.00 Money Maker after stacked coupons & ECB
Health & Beauty Deals
prepping for small claims court - as defendent
Added on : Monday August 05th 2013 11:00:11 AM
g: 2 Posted By: spanky42
Views: 291 Replies: 11 Not sure why I waited until the day before trial to post, but thought I would get this topic out there...other than the usual 'pay your debt, deadbeat' comments, I was looking for a little prep on going to small claims court. I am an amateur house flipper (buy foreclosure and renovate for sale or rent) and hired a contractor to run a remodel foreclosure I had recently purchased. He had done well coming into the middle of my last house (late last year) so we did a gentlemen's agreement (nothing in writing) that he would be the general contractor on this job and I would pay him per hour (hiring piecework is too hard on a foreclosure since you don't know what you are getting into)...basically I agreed $20/hour each for him and two of his workers. Everything was going ok (other than taking too long) for the first month, but eventually he started taking other jobs (when he promised he would be at my house the majority of the time) and then when I questioned why nothing was getting done, he told me that I needed to find a drywaller to finish the drywall along with an electrician and so on and so on...and that I owed him $2700 for time and materials from the last two weeks (I had paid him over $10k up to this point). I went over to the jobsite to find the drywall that his crew hung in terrible condition - walls didn't line up, screws all over the place, etc. Then the ceiling started leaking during a rain storm...I found they hadn't sealed up holes that drilled in a sidewall for blowing in insulation in the attic. I said I wasn't paying until this was fixed. He then came back with how all I did was complain and never got him material and time and it was my job to line up the finishers (I assumed that is what a 'general' does!), so he pulled off the job and left me with a mess. Then I received the court papers saying he was trying to collect what I owed him. So for prepping, I have all of the emails we sent back and forth and I'm bringing in the contractor that followed him as a witness along with pix I had taken (I'm attaching some to this post). I've never seen a bill for his materials, which I will pay if he produces one, but I don't feel I should have to pay labor based on substandard work - but maybe that is not a defense? We have no official agreement, but the emails dictate bills, etc so one could see that I was paying him by the hour. I'm just so tired of contractors coming in until the work gets too hard or they get a better offer and moving on, expecting to be paid up to that point, leaving the homeowner to find someone to come in and follow their crap work. Bascially the drywaller told me he added at least $500 to the cost of his finishing because of all the extra mud he had to use. I had a roof guy come in and fix the leaks for a couple hundred. I'm just not sure what a magistrate will say to his request and what I can do to disprove it. Did he work those hours he billed me for? I have no idea as I wasn't there, but I'm assuming he worked some - just enough to do a terrible drywall hang job.Any legit suggestions? yeah, I know I should get a written agreement, but in this case I don't think it would matter.By the way, I'm in Michigan.
Thanks for the info.
Personal Finance Deals
Walmart brushed steel desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 11:00:08 AM
g: 0 Posted By: mrpresidentusa
Views: 654 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
Home & Garden Deals

Walmart Coupons
Walmart Desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 06:00:06 AM
g: 0 Posted By: mrpresidentusa
Views: 238 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
Home & Garden Deals

Walmart Coupons
g: 7 Posted By: archena
Views: 2125 Replies: 3 Shazaam! Effectively Using Photo Reflectors and Photo Filters! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SAWZPSPublication Date: April 6, 201246 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > LightingRevised and expanded edition!Here in Volume 11 of the On Target Photo Training series - "Shazaam! Effectively Using Photo Reflectors And Photo Filters!, we delve even deeper into the creation and manipulation of light.This is another "must have" volume - if for no other reason than the section on the UV filter has the potential to save you thousands of dollars!Here is the table of contents to show a bit of what is covered...Introduction
Review:
Color
RGB
Hand Tinting
Harmonizing
Gimp
Light Management
How Many Lights Do You Need?
More Is Not Better
The Reflector
Filling In The Shadows
Reflector Or Flash?
A Reflector Can Be Better Than A Flash
The Reflector As A Main Light
Saving Money With Reflectors
Creating A 5 Light Studio Portrait With Reflectors
Filters
Filters Vs Photoshop
Filters In Action
The UV Filter
The Polarizing Filter
The Neutral Density Filter
The Graduated Neutral Density Filter
Colored Filters
Do Not Buy Solid Color Filters
Graduated Color Filters You Will Need
Alternate Filters
Storing Your Filters
Removing Stuck Filters
Photo Exercise
Additional Photo TrainingIt's easy to spend hundreds of dollars on lights...but it isn't necessary! With the judicial use of reflectors, it is possible to turn one single light into a 5 light setup! AND that one light could even be the sun!You can get results to rival the best studio shooters with very little cost. Reflectors can even be homemade - so they cost almost nothing.Filters - for the most part physical "on camera" filters have dropped by the wayside due to the digital revolution.We still use filters, but now - with many of them - it is after the fact (in Photoshop) rather than in front of the lens. But, there ARE a few filters we still need on camera. the effects simply can't be easily done (or done at all) in Photoshop...The UV Filter - This one can literally save you thousands of dollars.The Polarizing Filter - this one should be in your camera bag ALL THE TIME! The results you will get can take your photography to completely new levels and it is difficult if not impossible to duplicate the results in Photoshop.The Neutral Density Filter, Graduated neutral density filters and so on...Read through this easy to understand and easy to implement course volume and in a matter of minutes you will have a firm grip on effectively lighting with reflectors and using the essential filters.
Totally Free Deals
Space & Time - iPhone app was $13.99 now FREE
Added on : Sunday August 04th 2013 07:00:05 PM
g: 2 Posted By: archena
Views: 286 Replies: 1 Space & Time | $13.99 → FREEhttps://itunes.apple.com/US/app/id404558956?mt=811 Reviews ★★★Originally Released - 11/25/2010 @ $0.99
FREE on 12/14/2010
FREE again on 1/6/2011
Price ↑ to $1.99 on 1/28/2011
Price ↓ to $.0.99 on 7/11/2011
Price ↑ to $13.99 on 5/7/2012
App updated 8/4/2013
Version 1.1 now $13.99 → FREETime, calendar, movement of the heavenly body, place, azimuth is closely related each other.
This app has such a function related time and place as phases of the moon, rotation and revolution of the earth, latitude and longitude, compass, measure level of your iPhone itself, to say nothing of time and date.
That makes you look down upon current time and space and feel reality at first sight.[Top of the screen]
phases of the moon (age 0 to 29)
hours (24 hr.)
minutes (60 min.)
seconds (60 sec.)[Middle of the screen]
Year, month, day, hour, minute, day of the week, second is displayed.
The earth goes the circuit of middle of the screen in 365 days (366 days, in case of leap year).
It reproduces durations of sunshine at the season depends on the inclination of the earth's axis. (*It does not indicate time of sunrise and sunset accurately.)
The inclination of the earth's axis indicates durations of sunshine at the season.
Judged the northern or the southern hemisphere by current latitude, the graphic of the earth and the moon changes.[Bottom of the screen]
latitude (-180 to +180, +:east, -:west)
longitude (-90 to +90, +:north, -:south)
compass (to the north)
level (axis X, axis Y of the iPhone)Touch the screen, and you can change the background to 4 color types: "Space", "Midnight", "Twilight", and "Skyblue".
Apps Deals

iTunes Coupons
Buyer's Pick: Women's Apparel - up to 75% off
Added on : Sunday August 04th 2013 06:00:06 PM
g: 0 Posted By: afreind
Views: 216 Replies: 0 http://www.zulily.com/e/buyers-pick-womens-apparel-57853.htmlBuyer's Pick: Women's Apparel
up to 75% off
Fantastic, whimsical fashion. That's what you'll get from this collection of fierce and fabulous clothes. Enjoy pieces that flow seamlessly from day to night, weekday to weekend. There's nothing better than pieces that are so pristinely versatile that they look great no matter how or where you wear them. Pick up some items to make your wardrobe coveted by all.
Clothing Deals
Intel Core i3-3220 Processor - $124.99
Added on : Saturday August 03rd 2013 09:00:07 AM
There's nothing like the Intel Core i3-3220 Processor to meet the industry's need for powerful performance.
Student loan refinance/consolidation?
Added on : Friday August 02nd 2013 08:00:09 AM
g: -1 Posted By: BecomeFreedom
Views: 161 Replies: 2 I am up to my eyeballs in student loan debt. Approximately $101k left to pay spread among 5 loans as followsFederal Government loans:
$4,582.74 5.6%
$6,414.12 6.8%Sallie Mae loans:
$29,402.84 4.5%
$34,386.97 11.5%
$26,148.92 13.25%I dropped out of school as a result of a messed up situation and treatment by the university. They outright lied about tuition costs, fraudulently charged my student loans directly for about $14k in which I was not attending school and they would not let me take classes, cancelled classes and had such limited offerings it was impossible to take a full course load or complete a degree in a normal time frame, charged me full time tuition for part time enrollment during several quarters, and wanted to charge me $42k to take one quarter worth of classes to finish the degree. Just an overview of why I did not finish. I was not willing to pay their extortionate tuition, particularly after all the bad experiences, lies, and stolen money. Sallie Mae would do nothing about the fraudulent charges, the university had no interest in resolving the issues or refunding me the stolen money. They also would not give me a transcript to transfer elsewhere even if I had the money to do so or was willing to take out any more loans for it.I would like to refinance and consolidate the two high interest Sallie Mae loans into a lower interest loans if possible but am unable to find a bank that will do so. There seem to be quite a few banks that will do student loan consolidation but none that I've found aside from Wells Fargo will even look at your financials or consider it if you don't have a degree. Wells Fargo was impossible to work with so far as what they required and contacting work to verify employment and such so I gave up on them. I'm considering a credit union I can join through work but it looks like they will only do unsecured loans up to $10k.Does anyone know of any other options for refinancing approximately $60k in student loans while I have no degree? Credit score is ~770, gross $75k or up to a few thousand more depending on overtime and bonus, same employer for over 6 years, no cc debt/car loans/etc.. Looking for some way to reduce the amount I'm paying in interest so I can put more towards principle and be done with these loans.
Personal Finance Deals
Prepayment Date Recorded Incorrectly, What are next steps?
Added on : Friday August 02nd 2013 03:00:07 AM
g: 0 Posted By: welookgoodcom
Views: 26 Replies: 0 Got a 15 yr mortgage with first payment date as Aug 1, 2013. Made the initial payment with extra principal(calculated what I need to do to make it a 12 yr mtg) included and instructions on how to apply.The first payment was not to the bank (who officially took over loan on Aug 1st) but to broker. The broker acted as an agent of the bank. What broker did is separated my payment and prepayment, recording the payment as of 7/24 and the prepayment won't be recorded till sometime in August(so still not as of yet!). The bank (Sovereign) said till they receive payment from broker even if they cashed check, nothing is recorded.Spoke to Sovereign CS where the rep kept on telling me the interest accrued doesn't change regardless of prepayment. I understand I need to pay the same amount each month. But asking if hypothetically I paid down the balance by 50%, my interest accrued would be much less and more applied to principal. Both rep and supervisor said no..So they are clueless and I need to get someone higher up

My concern is this action will increase my interest charge since the principal balance is higher. While it's a few $$$, if you add it up to many customers. And who knows what other shadyness this will bring.This posting is to ask for advice on who to contact to get the mortgage service to act properly for issues such as this. BBB, Federal Reserve, etc when such a servicing issue comes up on a mortgage. I had issues with my student loans before (had a low fixed rate with IDAPP, new company, AES bought it and changed rate, needed federal agency to get them to fix it), so it looks like I need to be prepared with the mortgage as well.
Personal Finance Deals
Found a home not represented by broker
Added on : Thursday August 01st 2013 06:00:09 PM
g: 0 Posted By: burgerphone
Views: 122 Replies: 1 Long time lurker on fatwallet and I recently got myself into a pickle. I'm hoping to get some advice.I have been looking at homes to purchase with my real estate agent recently. I put in a few offers on some homes but nothing came of it. We signed a " Buyer representation exclusive" agreement and in it states we are obligated to compensate the broker if we close on a home within 90 days in a specific area. It also goes on to say only if the home we purchase is represented by the broker to buyer. Well, we also found a new construction house before we started looking at home with the broker. We didn't think we would get the new construction because of the long lines of people waiting to purchase.Well, recently the new construction came back and offered us a home which we jumped on it and signed within days. My question is, since we found this home on our own without the broker, are we obligated to compensate the broker with any commission? Our agent is telling us its not him charging us the commission but its his broker who wants the commission. I plan on seeing a real estate attorney tomorrow, but thought I would ask the folks here about their thoughts on this.
Real Estate Deals
Pep boys gift card dispute
Added on : Wednesday July 31st 2013 02:00:10 PM
g: 0 Posted By: pricefeliciajessica
Views: 166 Replies: 0 Hello, I'm new to this website and would love some feedback. I received a $100 Pep Boys gift card for Christmas. I went into the store and purchased a car air freshener for about $5. When I went back in to use the rest of my card the cashier told me the amount came up as "unavailable." The cashier was confused because usually the card should read $0 if there is no balance. He tried calling Pep Boys customer service and it was passed business hours so there was nothing he could do. I later went back to use the card a different time hoping for a better outcome. Same problem had occured and and there was nothing that could be done. I decided to finally call Pep Boys on my own and was spoke to a women on the phone who said my balance was at $0. I asked her if she could read the transaction where the money was spent but she said the card has been deactivated because it was all used up. Again, nothing anyone could help me with. I called again another day and asked to speak to corporate this time. Of course I was just led to a voice mail machine where I left a message, but never recieved a call back. I had them emailed customer support and they had emailed me back with the number to the original gift card department that I had already been calling. I then emailed them again but no response. Can I take legal action?
Discussion Deals
Comcast cable box return issue
Added on : Wednesday July 31st 2013 08:00:09 AM
g: 0 Posted By: debtinator
Views: 9 Replies: 1 Looking to solicit some advice for my girlfriend. 1. In her prior apartment, the HOA subsidized the basic cable. For that reason she thought the cable box should be left in the unit (out of state) after she cancelled (2 months ago)
2. She returned the cable modem 2 months ago, nothing was mentioned about the cable box
3. Apparently for the last month they tried calling her to get it - but she ignored them thinking it was spam (I know...)
4. This weekend we called and found out they only wanted $140 to settle it, so we paid to make sure they didn't hit her credit report with a collection.
5. I traveled back to Chicago, FOUND THE BOX, but they will no longer accept it because we paid them (3 days ago)Has anyone experienced this? I don't want to waste a ton of time for 100 bucks, but any advice would be great.
g: 0 Posted By: archena
Views: 80 Replies: 0 Shazaam! Effectively Using Photo Reflectors and Photo Filters! (On Target Photo Training) [Kindle Edition] was $8.97Dan Eitreim (Author) http://www.amazon.com/dp/B007SAWZPSPublication Date: April 6, 201246 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Arts & Photography > Photography > LightingRevised and expanded edition!Here in Volume 11 of the On Target Photo Training series - "Shazaam! Effectively Using Photo Reflectors And Photo Filters!, we delve even deeper into the creation and manipulation of light.This is another "must have" volume - if for no other reason than the section on the UV filter has the potential to save you thousands of dollars!Here is the table of contents to show a bit of what is covered...Introduction
Review:
Color
RGB
Hand Tinting
Harmonizing
Gimp
Light Management
How Many Lights Do You Need?
More Is Not Better
The Reflector
Filling In The Shadows
Reflector Or Flash?
A Reflector Can Be Better Than A Flash
The Reflector As A Main Light
Saving Money With Reflectors
Creating A 5 Light Studio Portrait With Reflectors
Filters
Filters Vs Photoshop
Filters In Action
The UV Filter
The Polarizing Filter
The Neutral Density Filter
The Graduated Neutral Density Filter
Colored Filters
Do Not Buy Solid Color Filters
Graduated Color Filters You Will Need
Alternate Filters
Storing Your Filters
Removing Stuck Filters
Photo Exercise
Additional Photo TrainingIt's easy to spend hundreds of dollars on lights...but it isn't necessary! With the judicial use of reflectors, it is possible to turn one single light into a 5 light setup! AND that one light could even be the sun!You can get results to rival the best studio shooters with very little cost. Reflectors can even be homemade - so they cost almost nothing.Filters - for the most part physical "on camera" filters have dropped by the wayside due to the digital revolution.We still use filters, but now - with many of them - it is after the fact (in Photoshop) rather than in front of the lens. But, there ARE a few filters we still need on camera. the effects simply can't be easily done (or done at all) in Photoshop...The UV Filter - This one can literally save you thousands of dollars.The Polarizing Filter - this one should be in your camera bag ALL THE TIME! The results you will get can take your photography to completely new levels and it is difficult if not impossible to duplicate the results in Photoshop.The Neutral Density Filter, Graduated neutral density filters and so on...Read through this easy to understand and easy to implement course volume and in a matter of minutes you will have a firm grip on effectively lighting with reflectors and using the essential filters.
Totally Free Deals
g: 0 Posted By: walt99
Views: 85 Replies: 1 Need advice ASAP as my parents need to respond to the summons! Please refrain from personal attacks as this is extremely emotional for us.My elderly parents (mid-late-60's) are being sued in California state by a creditor for $10K credit card balance that they are delinquent on. The credit card was used for living expenses. The card is in my mother's name.My mother is a homemaker with ~$250/month income from SS
My father is unemployed after being laid off from his maintenance job and his unemployment runs out this month. His only income will then be ~$800/month from SS.Total income: ~$1050/month, rent $600/monthThey have no assets ($0 savings), no automobiles in their name, no house, or other assets. They will soon be relocating to live with me so that I can help them with living expenses.My understanding is that SS wages cannot be garnished. They have no need for credit. From what I've read, it seems like there wouldn't be any recourse. For this reason (only SS income and no assets), it doesn't seem beneficial for them to incur the costs of bankruptcy, especially considering they can't afford it. They can't afford a lawyer and they're both immigrants who speak little English. I am trying to help them as best as I can, but I am a recent college graduate who is trying to get my own post-grad affairs in order. I am also ~2000 miles away and so unable to help them in person thus am trying to do everything remotely.
What should they do? What is their best course of action? Should we contact the CC company and tell them there's nothing to go after and no income coming in? Should we respond to the summons and if so, how? Or should we simply ignore the notice and let it go into default?Thank you so much in advance for your advice!
Credit Deals
g: 0 Posted By: joe4u
Views: 43 Replies: 1 Recently i received a post card which said "Receive Free round trip airfare anywhere in US plus 2 night hotel stay and $100 Gas Voucher" and asked me to call this number (877) 787-6051. They asked me few questions and told me i need to attend a 90 minute session for me and my wife to get this offer. I asked if i need to buy anything but the rep said nothing to buy but just attend the session and i'll get the above offer. It's hard to pass and it was too hard to resist but somewhere in my mind i thought it must be fluke.When i go to the session i asked i came there just for the offer and not the session so they came back and they just gave us one form which said to go to http://www.choiceselectioninc.com/ and follow the instructions there. When i visit this website, it had different packages listed and for any package there is a redemption fee which need to be paid by Money Order. So my question is whether anyone redeem this offer, if so why do they need redemption fee for getting the package? And will i expect any surprise fees if i send this form? Pls advice.
Discussion Deals
g: 0 Posted By: FatWallette
Views: 119 Replies: 0


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Nordstrom is screwing me. What can I do?
Added on : Sunday July 28th 2013 06:00:15 PM
g: -1 Posted By: chrislee9734
Views: 238 Replies: 13 I went shopping with my mom last year at Nordstrom Rack and bought a few pairs of shoes. When we got to the cashier, the clerk recommended me to apply for the Nordstrom store card, which essentially was a Nordstrom Bank card connected to my Wells Fargo checking account. So after the clerk rang up all the items, he charged them to my Nordstrom store card, although what he should have done was to charge against my mother's credit card which she handed to the clerk from the beginning just to do that.Next day, we found out the error and called the store manager and gave mom's credit card info over the phone as requested. So we thought that was that and she took a flight and went back home. (She lives in NY and I lived in WA)Well, that evening the manager calls and asks mom to physically bring her credit card to the store but I tell him that there's nothing I can do since she already left. Nordstrom demanded I pay for her shoes because she is my family. Of course I told them that I complied exactly with the manager's request. Anything out of that, it is on them, not me.Then I gave them my mom's phone number and address but I guess they wern't able to reach her. Long story short, after a bunch of debit attempts and disputes through my bank (Wells Fargo), the charge was put on my Nordstrom account and eventually went into collections after a year.I now live in Texas and just found out about negative item on my credit report. Anything I can do now, other than paying it off?
General Economics Deals
Repair or ditch old civic?
Added on : Saturday July 27th 2013 07:00:07 AM
g: 0 Posted By: TheDragonn
Views: 90 Replies: 4 FWF besties,My Civic is a ripe old +/- 13 years old with about 135 kilomiles on the odometer. Recently, the check engine light came on, and the mechanic (who I have used for years and trust) said that the sum total of the repairs needed was likely around 1k. I don't remember off the top of my head what parts specifically had failed/were failing, but that's a sizable sum of the car's value. What to do? To complicate matters, I'm moving out of the area (far away) in about a year and will certainly be selling the thing then. Here's a snapshot of some facts: - car worth +/- 3000, according to KBB
- necessary car repairs at or around 1k
- I haven't put a ton of $ into the thing in the past, and it's been largely reliable (only expensive routine maintenance was the timing belt a few years ago and other similar things that one would expect on an older vehicle)
- I'm definitely selling the thing in a year at the latest, as I will be moving far away and not taking this trust little beater with me.What's the general consensus on cost-of-repairs vs car's-value? Would you repair the thing and just continue driving it for the year? I don't foresee any other expenses in the near future (nothing scheduled soon like another timing belt, etc), and frankly wouldn't feel comfortable just trying to unload it on someone now for 3k knowing that it requires a bit of work. Cough up the 1k and continue driving for a year? Ditch it and uhhh buy a crown vic for the next twelve months? Lease a ///BMW? Thanks.
Personal Finance Deals
Bankrupt, Renegotiate Rates, Shoot Myself
Added on : Friday July 26th 2013 05:00:05 PM
g: 1 Posted By: didyamissme
Views: 268 Replies: 6 Ok so the last one isn't an option....at least most days.I recently graduated college with dual degrees - unfortunately I did not have the finances to finish them. I had been working three jobs at once during my college career and built up a great credit score for my age. I had access to $40,000 worth of credit cards and used them to pay off my last 18 months of school.- They are eating me alive.I've gotten them to about $32,000 and have nothing left really to keep going. I have asked the cards for help with no avail. I even moved across the US for a higher paying job in an effort to be able to pay them down. I live in a $300 apartment AFTER utilities etc. I'm not sure what else to do. I already work NON stop. When I call the card companies they refuse to help as I am current. Should I throw in the towel and try bankruptcy and ruin my life - considering I work in business management? I'm looking any advice you have. I'm 24 and my degrees are a Bachelors in Business Administration and a Bachelor of Arts in Communication Studies. Thanks KindlyFinancials:
The current Transunion score is 644 as of today.
Annual Income is $26K Was at one point $38k. At my score height it was nearly 800. I just moved from NC to KY to an entirely new company with the hopes of fast track income increase. Interest rates on 12K worth of debt is 9% the rest vary from 12% to 20%. I currently have no other bills. The credit card bills are near $1,000 a month. I only make $1,600 a month now. The oldest accounts date back to 2008. While I have been current on all of my accounts my credit score has fallen dramatically due to the debt to income ratio and credit utilization.
Personal Finance Deals
g: 0 Posted By: fatwallet102
Views: 188 Replies: 8 I have not been to the dentist in a few years after my long time dentist retired. I started to have tooth pain in one of my molars and needed to see a dentist. I have Metlife insurance. Made an appointment with a random, general dentist. Got there, told him I was there for a checkup, and that I had some pain in my molar. The dental assistant takes X-rays of my mouth. Dentist comes in, reviews the X-rays and says I need a root canal (expected) and that I had a couple other cavities. He writes me scripts for Amoxicilin and Ibuprofen (which is a waste of money since its not even a prescription drug). Tells me to come back for a root canal. No cleaning, no services performed. Ok, no problem. So far so good. Get into the office and talk to the dental assistant. We set a date to have the root canal done. They then demand $700 from me (I have insurance which pays 80%). I was caught totally off guard. I objected told them to cancel the appointment and mail me a treatment plan (which never came). Said I would call and schedule the root canal.
Now my insurance gets the bill, and I see the dentist billed $386 for this appointment, including $128 for "Emergency relief of dental pain". Outside of prescribing me overpriced Advil, he did absolutely nothing to relieve my dental pain, which was not severe, constant, or an emergency. I called my insurance company to dispute the charge. They did not offer any assistance. I was at work so I didn't push the issue. You folks agree I am getting ripped off here right? What kind of recourse do I have?
Question Deals
g: 0 Posted By: lovelybones
Views: 119 Replies: 0 LINK* USB Connector
* 6.5 ft. Cord Length
In a high performance gaming headset, there are two qualities that should not be compromised - the sound experience and ease of use. By using precision tuned 4omm neodymium drivers with bass enhancing vibration modules, not only will you hear the difference in sound but also feel the earth-shaking bass of every explosion. Unlike other high performance gaming headsets, all you have to do is plug it into your USB port and game away - no need to install pesky software or drivers. Volume control is just a turn of a knob away and turning the Mic on or off is as simple as flipping the boom. Introducing the Levetron GH808, it's everything you need in a gaming headset, nothing more and nothing less.
Headphones & Speakers Deals

Newegg Coupons
Pier 1 Imports - Today Only - 10% off in stores and online
Added on : Thursday July 25th 2013 10:00:04 AM
g: -1 Posted By: myrtle
Views: 150 Replies: 0 From their facebook page:
Today only in stores and on our site: Take an extra 10% off your entire purchase, including sale and clearance items. Nothing to print out. No secret handshake. Just our way of saying Happy Thursday.  http://www.pier1.com/on/demandware.store/Sites-pier1_us-Site/def...
Home & Garden Deals

Pier 1 Imports Coupons
Citi Forward not properly coded!
Added on : Wednesday July 24th 2013 07:00:12 PM
g: 0 Posted By: myndreamland
Views: 145 Replies: 1 I applied for a student Citi Forward card back in April. It supposed to give 5 points for each dollar spent on certain categories. I spend quite a bit on these categories so it's really a great card to have. However, since my first statement near the end of April, I noticed that I got only one point for everything (# of points = $ spend even in bonus categories). I called them immediately and over the course of several months, I was promised again and again that it should be fixed by the next statement. However, my 4th statement just closed and nothing was done. My question is if this is a common problem? The reps I spoke with implied this was a system-wide problem affecting all Forward cards opened around April. Has anyone else actually experienced the same thing? Is there anything that you would suggest I do too fix this? Obviously I'd like to get my 5 points/dollar.
TIA for any info.
Credit Deals
g: 2 Posted By: JDdoc
Views: 454 Replies: 5 *caveat* The new model / redesign is due as a MY 2014 and should arrive in August - October 2013This deal is for the EXISTING /OLD model - MSRP ~$56kThe inventories for the MY 2013 X5 are high and overall BMWFS residuals are high and money factors are low. Current deals are good, may get even better in late July / August.Incentives would be
$1000 loyalty cash
$1000 BMW drive event (go to the event, sign in for a $1000 credit)With the incentives, a 39 month lease for 10k miles / year can be had for about $500 per month, nothing down other than taxes and fees that would be paid at inception and possibly some security deposits to decrease the MF
Why is this a hot deal?- The X5 lease deal now can be had for a lower price than an X3
- The next gen X5 will be $3k to $5k more expensive across the line and will probably lease out about $700-900/month
- A Lexus GX will lease out at about nearly $700 / month
- BMW comes standard with free standard maintenance for the duration of the lease
- Though the mpg numbers aren't anything great, the car is a road tank in the event of an accident (mass against mass)
- You'd have to purchase a 4 year old X5 and hold it for 4-5 years to beat this deal in terms of depreciation - and then you would have no free maintenance nor warranty protection (at least not as good protection as the new car warranty)
It's always cheaper to buy a 5 year old car with low repair and maintenance costs, but if you were thinking about an X5 not a crown vic, this is a good deal and may get even better soon.
Tools & Automotive Deals
g: 0 Posted By: busnut
Views: 136 Replies: 5 Just got word today that our ins. co. plans to total our car due to flood waters. Vehicle is a 1993 Chrysler New Yorker Fifth Avenue 1-owner with 62,000 miles When we ordered the car, every available option o/t leather interior was ordered/included. Even full size spare tire with matching rims were ordered. Car has never been driven in the winter, no rust, nothing wrong at all with car - vehicle in pristine condition. Searched the internet for comparable cars, but only found 1 in Carlyle, PA. Hate that our Fifth Avenue is totaled (water entered the engine carburetor - engine all locked up). Just want to receive a fair settlement for a car that is older, but in pristine condition. Comparables will be very hard to find. Looking for advise. Have not received the offer/settlement amount yet from the ins. co - they said I will hear back later this week from the "total loss settlement department". Thanks FW's - your advise is appreciated.
Question Deals
ePlate??
Added on : Monday July 22nd 2013 06:00:07 PM
g: 0 Posted By: GodelianKnot
Views: 122 Replies: 3 I just got an e-mail from freshdirect (online grocer) offering up this weird reward card/scheme called ePlate (link). It sounds fairly ridiculous and mostly not worth it, but just thought it might be something FWFers would be interested to discuss.Basically, it's a credit card (issued by UMB Bank) that has varying rewards that you can change around at will. You have 2 rewards set at any time and you press some kind of button on the card to choose which one to use (talk about gimmicky... and they're probably counting on people forgetting to push it).While the straight CashBack rewards are nothing special (1%), at least some of the other rewards are potentially interesting. The FreshDirect one was for $30 worth of FD credits for $1000 spend (on anything). So 3% CashBack on anything, to the extent that I keep using FD (and am willing to press their stupid button). Not sure if there's anything really churn-able in there, but maybe some of the stuff like movie vouchers could be offloaded at a good rate (they're 11% CashBack eqv).There's also a fee version of the card, which is $100 and doubles many of the rewards.
Credit Deals
TurboTax Class Action Notificaiton
Added on : Monday July 22nd 2013 03:00:11 AM
g: 0 Posted By: jhall1822
Views: 162 Replies: 0 Anyone else get this?
(Legal Notice)
UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF CALIFORNIAIf You Used TurboTax Online and Opted to have your TurboTax Fees Deducted from your Tax Return for a Fee,
You May Be Eligible for a Payment from a Class Action Settlement.A $6.55 million proposed settlement has been reached in a class action lawsuit against Intuit, Inc. regarding the Refund Processing Service products ("RPS") available on TurboTax online that allow TurboTax customers to choose to pay their TurboTax fees by deducting the amount owed from their tax refund for a fee (typically $29.95). Intuit, the owner of TurboTax, denies the claims in the lawsuit and maintains there was nothing wrong with the practice. The Court has not decided which side is right.Who's Included In The Class? Intuit's records show you are a Settlement Class Member. The Settlement Class includes anyone who used TurboTax's Online Refund Processing Service, from January 12, 2008 through May 28, 2013.What Are the Settlement Terms? Intuit has agreed to establish a Settlement Fund of $6.55 million. You cannot receive a payment unless you submit a claim form. Information regarding how to fill out and submit claim forms can be found online at www.TurboTaxClassAction.com or by calling 1-888-980-9394. Claim forms may be submitted online.Your Rights May Be Affected. If you do not want to be legally bound by the settlement, you must exclude yourself by September 23, 2013. If you stay in the settlement, you may object to it by August 28, 2013. Instructions on how to exclude yourself or object are contained in the detailed notice at the website listed below. The Court will hold a hearing on September 27, 2013, at 9:00 a.m. to consider whether to approve the settlement, Class Counsel's request for attorneys' fees of up to 25% of the value of the Settlement Fund, reimbursement of expenses, and service award for the Class Representatives. You can appear at the hearing, but you do not have to. You can hire your own attorney, at your own expense, to appear or speak for you at the hearing. For more information, call or visit the website.www.TurboTaxClassAction.com
1-888-980-9394TurboTax Class Action
Settlement Administrator
c/o Heffler Claims Group
P.O. Box 220
Philadelphia, PA 19105-0220
Deal Deals
Craftsman 255-pc. mechanic's tool set $179.99
Added on : Sunday July 21st 2013 03:00:03 PM
g: 0 Posted By: DaysFan
Views: 47 Replies: 0 Craftsman 255-pc. mechanic's tool set
$179.99 On Sale Now!
Text
Sears Item# 00935255000 | Model# 35255 Online Only. While Supplies Last! Buy selected Mechanics Tools and get a Figure 8 wrench for FREE! Offer ends Nothing is more frustrating than finding yourself without the proper tools right in the middle of a simple or complex vehicle maintenance project--but with the Craftsman 255 pc Mechanics Tool Set with Storage Chest, that will never happen again. The super strong tools include wrenches, a slew of sockets that are compatible with three quick release ratchets and 62 specialty tools. From simple tasks like battery replacement and tune-ups to pulling engines and brake replacements or other projects around the house, this set will never let you down.
With the 255 Pc Mechanics Tool Set, you'll never have to borrow tools from neighbors or friends; they'll be coming to you for help! And there's no worry about the tools breaking because they all come with a lifetime guarantee. If they ever break--which is extremely rare--your local Sears store will replace them, no questions asked--ever. You'll have to buy many cars in a lifetime, but these tools last forever.The Craftsman 255 pc Mechanics Tool Set with Storage Chest includes 1/4, 3/8 and 1/2 in. drives with 158 sockets, 3 quick-release ratchets and 4 extension bars, 28 wrenches up to 3/4-in. and 17 mm sizes and 62 specialty tools
Tools Deals

Sears Coupons
g: 0 Posted By: Butcherboy
Views: 104 Replies: 0 WalMart XELIO 7" Capacitive 1ghz 4gb JellyBean Tablet $45, XELIO 9" Capacitive 1ghz 8gb Jellybean $59 FREE SHIPPING 7 inch version
http://www.walmart.com/ip/XELIO-7-Tablet-With-4GB-Memory/2370934... 9" version
http://www.walmart.com/ip/XELIO-9-Tablet-With-8GB-Memory/2370934...10.1 inch version
http://www.walmart.com/ip/XELIO-10.1-Tablet-with-4GB-Memory/2370... if nothing else keep the kids busy for hours
jasonroxbury op
Android Tablets Deals

Walmart Coupons
g: 0 Posted By: jarhead6153
Views: 113 Replies: 0 Guns: Vortex StrikeFire Red Dot Scope $129 ac+ship @palmettostatearmory.comUse coupon code 'STRIKE' gives you a $50 discountPalmetto State Armory
DetailsWhen the situation demands fast shooting, a big scope with a narrow field of view just won't cut itchoose the Strike Fire red dot and shoot with both eyes open. With unlimited field of view and eye relief, nothing gets you on target faster than this tough, compact red dot scope.Optic has option for both RED/Green Dots.High recoil caliber ratingtested with .375 H&H Magnum for 1000 rounds.Included extra-high 30mm ring puts scope's bore center 37 mm (1.46 inches) above the base height. Commonly used for mounting with a Flat Top AR15, providing absolute co-witness with iron sights.
Guns & Ammo Deals
International Visa charge dispute issue
Added on : Friday July 19th 2013 12:00:06 PM
g: 0 Posted By: kyle0k
Views: 96 Replies: 1 I will try to keep this as short as possible. This is an issue with my Chase Sapphire Preferred visa credit card.I booked a parasailing tour while on vacation on the Caribbean. It was $130 for 4 of us at 15 minutes each. First off it turned out to only be about 5 minutes each and we had to wait for an hour for others on the boat to go. Then I come home to find out that they charged me $160. They obviously charged me in their local currency which I didnt have a calculator on hand to do the conversion. I verbally confirmed with them that it will only be 130 USD. At the time I was not worried since I was confident in my protection from my credit card.Well as it turns out, I filed a dispute, telling them exactly this. That the service wasnt as described. A couple days later I get a call telling me that they are unable to file this dispute because this is an international charge and the only option for international is unauthorized charge. No matter how much the customer service representative agreed with me, she said she was bound by visa international regulations. I finally was able to file a dispute for the difference in the charge ($30) as unauthorized. But she basically said as long as the merchant even replies, I will unfortunately lose and she cannot do anything about that.To say the least, I was SHOCKED that I have no protection when using my card internationally. Obviously, now I know and I will be diligent with confirming conversions. Is there really nothing I can do? The most shocking part was that Chase refused to even open a dispute. It wasn't that I lost the dispute, just that they refused to open and send the dispute to the merchant. I thought it was my right to open a dispute, regardless of reason, and if anything I would just lose the dispute.Is this just Visa or Chase regulations or all credit cards? If I paid with my AMEX, would I have had this same issue? I have filed 2 or 3 chargebacks with AMEX (all legitimate), and I have never even so much as received a phone call about it.
Personal Finance Deals
Do you have to pay taxes on CC rewards?
Added on : Friday July 19th 2013 02:00:05 AM
g: 0 Posted By: imbatman
Views: 16 Replies: 0 http://finance.yahoo.com/news/pay-taxes-credit-card-rewards-1030...
For most of these rewards that are given to consumers, the IRS treats them as discounts rather than income, says tax preperation service TurboTax. If you think about it, its not as if any of these companies are offering you cash for nothing; more often than not its used as incentive for you to purchase something. And since a discount isnt taxable, theres no need to keep track of all your Cash Back rewards to prepare your tax return.
where's ndsp when you need him?
Discussion Deals
Calculating Break-Even Mileage for Reinbursement
Added on : Wednesday July 17th 2013 09:00:14 AM
Hello everyone,Right now, I'm using a company issued car for work. Nothing too special - and we have to pay $250/month for the car. It's like an all-inclusive lease - that fee includes unlimited gas (though I'm taxed on personal miles), insurance, maintenance, etc. Not a horrible deal, but we also have the option to just expense mileage at the IRS maximum rate of $0.565/mile.I'm about to hit the mileage limit on my company car - 80k miles. They generally offer to let you buy it for $6500 when it hits that limit. I'm inclined to do this, because I have had it since new and know it's been well maintained - and these vehicles regularly go to 300k miles without any major issues. After a certain point, this would give me a decent tax-free profit in a vehicle I enjoy driving.I'm trying to figure out a formula to calculate the number of miles I'd have to expense to "break even" including the purchase price, insurance (assumed at $1000/year), maintenance (assume $1000/year and I can do it myself), and the fuel I'm using (assuming $3.70/gallon). Maybe I'm just tired, but for some reason I can't seem to get the continuous fuel use factored in. Any help would be appreciated!
Gandhi's autobiography covering his life from early childhood to approximately 1921Book Description
Publication Date: August 27, 2008
This is Gandhi's autobiography covering his life from early childhood to approximately 1921. In Gandhi's own words: "I simply want to tell the story of my numerous experiments with truth, and as my life consists of nothing but those experiments, it is true that the story will take the shape of an autobiography. But I shall not mind, if every page of it speaks only of my experiments . . . I should certainly like to narrate my experiments in the spiritual field which are known only to myself, and from which I have derived such power as I posses for working in the political field . . . If I had only to discuss academic principles. I should clearly not attempt an autobiography. But my purpose being to give an account of various practical applications of these principles, I have given the chapters I propose to write the title of The Story of My Experiments with Truth. These will of course include experiments with non-violence, celibacy and other principles of conduct believed to be distinct from truth."
Star Wars C-3PO Mimobot 8GB USB 2.0 Flash Drive $9.99 @nbs
Added on : Tuesday July 16th 2013 04:00:06 AM
DailyDeal
Nothing But Software Coupons
penfed closing costs
Added on : Monday July 15th 2013 05:00:08 AM
HiI applied for 5/5 arm that has promo of closing costs. I received all the disclosures GFE etc. I don't see mention of reimburse of cc. I asked the rep and she just referred to online. Is this normal? Contractually they is nothing in black and white. Do they also reimburse attorney fees?
Jumbo Cutting Board - Solid Red Oak from ShopDeerHunting.com (46% off Retail) $139.99 Shippedhttp://www.gearhog.com/?did=60202
Deal Overview
Jumbo Cutting Board - Solid Red OakDimensions: 19 x 36For years we searched high and low for a cutting board that was burly enough for deer hunters. The so-called 'extra large' cutting boards out there can handle a chicken, sure, but deer? Forget about it. We had to make do with the kitchen table. That is, until now...Measuring a full 3 feet wide, this is THE cutting board for prepping wild game. This jumbo cutting board is handcrafted in the USA from beautiful solid red oak, and will handle the largest slabs of venison with ease. Extra large work surface and well for catching meat juices. Thick, high quality board stands up to years of slicing up tasty backstraps. This is a must have item for any deer hunter that wants to cap off an epic hunting season with an epic butchering session. Nothing is more satisfying than knowing you've done it all yourself - from pulling the trigger to washing the dishes, and this board helps you get the job done. Because this product is hand made, no two are alike. A ShopDeerHunting exclusive.
Fine Print
Free Pepsi Points via Arby's Promotion
Added on : Tuesday July 09th 2013 03:00:08 AM
Starting July 8, Earn an EXTRA 450 PXP for checking into your local Arbys on Foursquare Earn 50 PXP for following @arbys on TwitterOnce youve checked into your local Arbys on Foursquare, youll be able to unlock access to redeem PXP for a VIP Reward; A $10 Gift Card to Arbys for 5,000 PXP!Source: Who Said Nothing in Life is Free
How to get kratomlounge maeng da capsules for FREE.....
Added on : Sunday July 07th 2013 03:00:04 PM
NOTICE TO MODERATORS: THIS POST IS NOT ILLEGAL NOR IMMORAL AND SHOULD NOT BE REMOVED. SINCE YOU DELETED MY POST LAST TIME I CALLED MY ACCOUNT REP AT THE COMPANY AND ASKED IF I NEEDED PERMISISON TO POST THIS METHOD OF GETTING FREE STUFF AND SHE SAID IT WAS ABSOLUTELY FINE, EVEN TOLD ME WHEN I POST TO MENTION WITHIN A FEW DAYS THEY WILL FIX THE MISTAKE BUT WILL BE HONORING ALL THE FREE ORDERS THAT ARE PROCESSED UNTIL THEY GET THE MISTAKE FIXED. NOTHING IS AGAINST THE LAW NOR THE RULES I BELIEVE SO I WOULD APPRECIATE YOU ACCEPTING THIS THIRD POST SO THE MEMBERS OF FW CAN JUDGE IF THIS POST IS RELEVANT OR NOT FOR THE COMMUNITY BY UTILIZING THE RANKING SYSTEM YOU HAVE IN PLACE!!!! I DO THINK IT IS A GREAT DEAL AND WILL BE A VALUE TO THE FATWALLET COMMUNITY!!!!!!!! I just posted about a salvia sale email I got and when I reviewed the post and everything a new idea sparked in me which was the second lucky thing that happened today (ok maybe more than 2) . Anyways ,I won there weekly drawing for free stuff this week and went to the page to fill out the formand there was not any sort of verification or any trackable number i could see that would tell them my email address was the one who won the promo. I will post the attachment of the email I got, plus below is a summary of what I think the best steps are to get the free maeng dakratom capsulesAs of now I think this should work for anyone:1. go to and add the free item to cart: http://www.kratomlounge.com/store/product.php?productid=16320
2. go through the checkout process (shipping is free too, it said for 7 days i believe)
3. receive your maengda kratomcapsules from kratomlounge (i have not got mine yet, but i could notresist posting this as i love when i figure out stuff im not supposed to find )
4. if you dont like them you can mail your extras to me Kratomis some interesting stuff, ifyou are unfamiliar or want to read the condensed version with some good statistics, claims, & information then checkout this site:
http://www.testcountry.com/wiki/kratom.html (yes i know its on a site selling kits to test if someone uses which i hope my employer does not start using, haha, i doubt that will ever happen, but i have read tons about it and this is the best summary i could find that tries to stick to more factual data and away from the bull++++ you see on tv, google news and other major media outlets.
Paula Deen Cookware Clearance @ Target
Added on : Sunday July 07th 2013 02:00:02 PM
Target appears to be bailing out on Paula Deen by placing all her cookware on clearance. Nothing near 50% yet.As always, for those of y'all who always whine about imperfect posts, man up or call momma.
http://www.amazon.com/dp/B008BUYV4W
101 - The Best of Billie Holiday (MP3 album): $3.99 Amazon
Added on : Friday July 05th 2013 08:00:03 PM
This looks like a fairly new collection of 101 of Billie Holiday's songs. 101 - The Best of Billie Holiday. The songs include the ones she is known for, and the sound quality (such as it is) seems comparable to her more expensive albums. I'll leave to aficionados whether this is an advanced study, or just Billie Holiday 101. 1. Fine and Mellow 3:13 2. Strange Fruit 3:08 3. Swing, Brother, Swing 2:57 4. Body & Soul 3:01 5. Loverman (Oh Where Can You Be) 3:14 6. What Is This Going to Get Us? 2:42 7. I'm All for You 3:11 8. Blue Moon 3:26 9. I'm in a Low Down Groove 3:0910. These Foolish Things Remind Me of You 3:3411. East of the Sun (And West of the Moon) 2:5312. Autumn in New York 3:4213. Stormy Weather 3:3814. Summertime 2:5515. April in My Heart 3:0816. Billie's Blues 2:4017. Let's Call the Whole Thing Off 2:3918. Me, Myself and I 2:3919. My Man 3:0420. You're Gonna See a Lot of Me 2:5921. You Go to My Head 2:5422. Any Old Time 3:1623. My First Impression of You 2:5024. Let's Dream in the Moonlight 2:5425. When You're Smiling 2:5226. I Can't Believe That You're in Love With Me 2:5127. If Dreams Come True 3:0528. You're So Desirable 2:5329. I'll Never Fail You 3:0030. Don't Explain 3:2531. Crazy He Calls Me 3:0532. Day in, Day Out 6:4833. You Don't Know What Love Is 3:5134. I Get Along Without You Very Well 3:0135. Good Morning, Heartache 3:0536. Love for Sale 2:5637. I Only Have Eyes for You 2:5338. How Deep Is the Ocean 2:5639. Stars Fell On Alabama 4:3040. Yankee Doodle Never Went to Town 2:4741. A Foggy Day 4:4042. I Didn't Know What Time It Was 6:0043. Just One of Those Things 5:3244. One for My Baby, One More for the Road 5:3945. I'm a Fool to Want You 3:2446. For Heaven's Sake 3:2647. For All We Know 2:5548. Violets for Your Furs 3:2649. You've Changed 3:1950. It's Easy to Remember 4:0351. But Beautiful 4:3152. Glad to Be Unhappy 4:0953. I'll Be Around 3:2454. The End of a Love Affair 4:4955. They Say 3:1056. Hello, My Darling 2:4557. Everybody's Laughing 3:0558. Here It Is Tomorrow Again 2:4659. Say It With a Kiss 2:3660. That's All I Ask of You 2:5861. Under a Blue Jungle Moon 2:5762. Everything Happens for the Best 2:5063. Why Did I Always Depend On You? 2:3364. Long Gone Blues 3:0765. Tell Me More & More, and Then Some 3:1066. Our Love Is Different 3:1367. Them There Eyes 2:5168. Night & Day 3:0169. The Man I Love 3:0770. What Shall I Say? 3:0971. It's Easy to Blame the Weather 3:0272. More Than You Know 3:0773. Sugar 2:4774. Ghost of Yesterday 2:3975. Falling in Love Again 2:5276. I'm Pulling Through 3:1177. Laughing At Life 2:5678. Time On My Hands 3:0679. St. Louis Blues 2:5480. Loveless Love 3:1781. I Hear Music 2:4282. The Same Old Story 3:1383. Practice Makes Perfect 2:3484. Let's Do It 2:5885. Georgia On My Mind 3:1986. Romance in the Dark 2:1687. All of Me 3:0288. God Bless the Child 2:5789. Am I Blue? 2:5190. Solitude 3:1591. Jim 3:1092. I Cover the Waterfront 2:5793. Love Me or Leave Me 3:2194. Gloomy Sunday 3:1395. Trav'lin' Light 3:1896. Wherever You Are 3:0197. Mandy Is Two 3:0198. C'est Un Peche De Dire Un Mentire 3:0499. Until the Real Thing Comes Along 3:08100. Do Nothing Till You Hear from Me 3:31101. That Ole Devil Called Love 2:55
Amazon Coupons
Engine died in my car at 72k miles
Added on : Friday July 05th 2013 04:00:07 PM
The engine in my BMW died at 72k miles, no warning lights and no weird noises. It died when I was driving the speed limit (65) on the highway doing nothing out of the ordinary. I coasted to the side of the highway to check it out: the engine was not overheating and there was no fluids on the ground. As I tried starting the car up again I could hear the fuel pump turning on and the starter motor clicking, but the engine wouldn't turn over. I got the car towed to the dealership and a few days later it was made known to me by the dealership that my engine was seized and that I would have to pay $19,000 for a new engine and $6,000 for the labor to install it. I made the dealership aware that I kept up with the maintenance, and that nothing was indicating to me that my engine was about to fail. I instructed the dealership to contact BMW North America (BMW Headquarters for North America) for a "good will" replacement, but my request was denied.So... Do any of you fatwalleters have any suggestions on what I should do?
401k question while changing the job
Added on : Wednesday July 03rd 2013 12:00:05 AM
I am with company A, where they match 4k if i contribute at least 8k. I am planning to switch to company B.Where they match 75% of my max contribution. That means if i contribute 17500 (max out), they will match 75% of that. which is huge.Now I want to take advantage of higher match this year. What are my situations?I am close to contributing 8k with Company A.one way is contribute 17.5k with company B and request Company A to refund my money in January 2014 (before the deadline). Probably I would save 2k while doing this. which is not great. Are there any other options?
Another options is do nothing. In this case, you will have to pay tax on 8k now. The advantage of this option is that you will get to keep your earnings and matching contributions in the 401k. The disadvantage is that I will have to pay taxes on the $8000 both now and when you withdraw it after you retire. if my tax bracket is 25%, it won't be beneficial to me. if the tax bracket is more than 25%, i am at loss. is that correct?Any other options?
AMMO, 9mm 115 gr. RN New Box of 500 FOR $156 @ Freedom Munitions
Added on : Tuesday July 02nd 2013 06:00:03 PM
I know nothing about this retailer, and I'm all-so-curious what the 'RN' in the description means, but it's hard to argue with the price. They show to have 171 in-stock, assuming their counter is accurate. Link
Sorry if this is common knowledge -- Recently, I applied for two of the checking accounts (at different banks) mentioned on FWF that were giving account-opening bonuses for jumping through some hoops. I noticed something regarding these applications that I had not run into before regarding online checking account applications (or other applications) - when they were verifying my identity, they obviously checked with some kind of report (credit report or just chex system?) and asked 3 questions regarding very old information that was on there.In both of the threads on those checking account bonus offers, other FW commenters had said that these banks only looked at the chex system during these account openings, and nothing had showed up on their credit reports regarding the applications, so I was surprised at the type of identity validation these banks were doing. (Maybe it's normal now? It's been 7 months since I've opened a checking account for a bonus.) I was surprised to see that one of the questions asked by both banks was about people I had known in the past -- I was given a list of 5 or 6 names and asked to tick which person I had interacted with before in my life. But how would they know the names of people I have associated with in the past? Does that type of thing show up on credit/financial-history reports?I can't even remember the full names of my past bosses or landlords or professors, or even some guys I dated long ago, let alone the names of random people I may have worked with in a huge office complex or lived near to in a college dorm or something, so this question seems tricky indeed. Does one now have to maintain a database with the names of every person one's ever met, to make sure not to fail this type of question?I didn't recognize the names that either bank provided, so I chose the answer "none of the above" for the name questions. On both applications, the other 2 seemingly-credit-report-based questions were about former addresses, and thank goodness I have a list of those -- one of the addresses I was challenged with I had only lived in as a subletter for 2 months, 22 years ago. Anyway, I am certain that all the address questions I answered correctly (because the addresses were on the list that I keep), but in the case of one bank's application, I got the message that I had failed the identity portion of the application because I had not answered all 3 questions correctly, and my application was cancelled. It seems as if they really did think I had known one of the people whose names they'd shown me. ?I started the application over again, and the second time the identity check asked different questions and I got through it successfully, so I was able to open that checking account, but I'm still a little confused about this strange names-from-the-mists-of-time aspect of i.d. checking. It felt creepy. (I know, 'welcome to modern life'!)Does it sound like they were doing pulls of my credit report? Again, sorry if I've missed a memo somewhere along the line and am asking a silly question.
Death by China: Confronting the Dragon - A Global Call to Action [Kindle Edition] was $25.99Peter W. Navarro (Author), Greg Autry (Author)
http://www.amazon.com/dp/B004GXB41GPublication Date: May 5, 2011Publisher: Prentice Hall Professional119 Reviews ★★★★

This is the eBook version of the printed book.Bestselling author Peter Navarro (The Coming China Wars) and Greg Autry challenges the dominant paradigm of a "Chinese Miracle" - the one featuring a modernizing, progressive Chinese state heading toward political reform and driving global economic growth with its new found embrace of capitalism and freedom.
Tearing this delusion away, Death by China documents the myriad ways that a powerful, wealthy, and corrupt Chinese Communist Party emboldened by a growing nationalistic frenzy is becoming the biggest threat to global peace, prosperity, and health since Nazi Germany.
From currency manipulation and abusive trade policies, to slave labor and deadly consumer products, China's ruthless rulers threaten the livelihood of the citizens of every developed nation. These thugs have created a frightening amoral society ruled by a constant fear hidden to outsiders and bought off with the ill gotten profits of a myopic quest for economic advantage at any cost - social, environmental, or civil rights concerns be damned. Worse, as with everything else, China is scaling and exporting the model around this world, threatening their neighbors and exploiting developing nations across the globe with a new imperialism.
While America worries that Al Qaeda or Iran may get their hands on a weapon of mass destruction, China is using our Wal-Mart dollars to build them by the score; filling brand new nuclear submarines with missiles aimed at our heartland and building stealth planes designed to obliterate our friends in Japan, Korea, and Taiwan.
America's policy of appeasement and perpetual bending to Beijing's tacit threat to stop funding our unsustainable consumption based economy and deficit addicted government has left the Chinese people and the world in a frightening position while achieving absolutely nothing. With each new attempt at further "engagement" China simply rounds up more artists, writers, and political dissidents into its gulags and continues its policies of virtual genocide against the peoples of Tibet and the Uighars of East Turkestan. It tightens control over media and the Internet and expands its regional, territorial and resource claims. Laughing at our timidity, it becomes ever bolder in executing its plan to shutter every last manufacturing plant in the West.
Meanwhile, Western turncoat CEO's are content with pumping up one more quarterly report by driving every last high-value manufacturing jobs to Guangzhou or Chengdu. Congress is happy to be re-elected with contributions from those same corporations. Together they are happy to leave the rest of us with a future of low paying service and retail "careers" based on selling junk made in China to each other while accumulating a pile of Chinese debt and building a geopolitical time bomb of epic proportions.
For every American, European, Japanese or Korean reader who wonders where his job has gone and worries about the world his children will inherit, Death by China is a must read. The book features an inspiring Forward by Chinese Dissident, Baiqiao Tang and a brilliant Epilog by Congressman Dana Rohrabacher.About the Author
Peter Navarro is a business professor at the University of California Irvine and a CNBC contributor. He is the author of several path-breaking books including The Coming China Wars, The Well-Timed Strategy, and Always a Winner as well as the bestselling investment book If It's Raining in Brazil, Buy Starbucks.
Peter's articles on economics, business, and China have appeared in a wide range of publications, from Business Week, Los Angeles Times, New York Times, and wall street journal to Harvard Business Review, the Sloan Management Review, and the Journal of Business. He is a widely-sought after and gifted public speaker and appears frequently on Bloomberg TV and radio, CNN, CNBC, and NPR, as well as on allthree major network news shows.
Professor Navarro holds a Ph.D in economics from Harvard.
Greg Autry is an entrepreneur, writer, and educator. He has published extensively on business, economics, politics, space and China andassisted Professor Navarro in research and preparation for the revised edition of The Coming China Wars.
Greg holds a BA in history from Cal Poly Pomona and an MBA from the Merage School of Management at UC Irvine. As a lecturer, he's taught business strategy and macroeconomics at Merage where he is currently completing a Ph.D in the area of Economics and Policy. His dissertation is on the evolution of the private commercial space launch industry.
now, my question?
can this be insulated and dry walled and made into a small home office?hmmmmText$1,199.99 After $300 OFF
Wilmington 12' x 8' Wood Storage Shed
http://www.costco.com
Item # 743973Features: Solid 2" x 4" Wood Framing, 728 Cubic Feet of Storage, 2 Windows with Screens, Pre-cut and Ready for Assembly Valid 6/10/13 through 7/7/13. While supplies last.
Online Price$1,499.99Less-$300.00Your Price$1,199.99

Shipping & Handling included *BEFORE ORDERING Be sure to check your local building and zoning codes and ensure that all appropriate permits have been acquired.Always check with your local building authority and homeowners association for restrictions/requirements before finalizing your purchase.At this time orders for this item can not be delivered to Florida addressesThe Wilmington 12' x 8' Wood Storage Shed by Yardline features traditional appeal with a splash of modern styling. The Wilmington is a gable design building that boasts 728 cubic feet of storage space. Extended roof overhangs and stylish gable vents provide an upscale premium appearance. The Wilmington doors are 24 wide creating a 48 opening allowing access to a wide variety of lawn and agricultural equipment. Two fully functional windows add traditional character and invites natural lighting while maintaining security for the items stored inside. If you are looking for a storage building with fantastic styling, premium construction and unmatched functionality, the Wilmington by Yardline is right shed for you.

For questions regarding these items, please call 1-800-844-9273
Everything is pre-cutnothing to saw
Includes 2 Fully functional 22W x 30H windows with screen and lock
Includes the most solid floor system in its class. Constructed of treated 2 x 4 framing with 16 joist spacing. OSB decking is an engineered wood product designed for strength, durability and consistency, 5/8 sheets covers the floor frame providing years of safe and dependable storage.
6 tall front and back walls are constructed of solid 2x4 lumber and provide ample space for long-handled tools, ladders and more
Factory primed wood siding is treated to resist decay and termites
Features pre-assembled, 2 pre-hung 24 doors (generous 48 opening)
Doors operate on strong piano hinges
Includes locking T handle and assembly hardware
Left and Right side roof line extends 6 beyond the walls
Includes two gable wall vents
Paint and shingle to match your home or suit your taste (paint & shingles shown, but are not included)
It is recommended that all seams be sealed with caulking prior to painting
728 cubic feet of storage
Floor size 96 x 144
Front and Back wall height 6 (nominal)
Side wall peak height 9 (nominal)
Package dimensions: 96L x 48W x 17.50H
Total weight approximately 1300 lbs.
15-year limited warrantyAssembly Required: All parts are pre-cut and ready for assembly. Assembly requires intermediate carpentry skills and will require 2 people 2 days to complete: 1 day to assemble the shed and 1 day to paint, caulk and shingle the shed. Furnished by homeowner:
Approximately 1.5 gallons of exterior latex paint for siding
Approximately 1 quart of exterior latex paint for trim
Approximately 1 quart of exterior latex paint for doors
Approximately 3 tubes of caulk
4 bundles of roofing shingles and appropriate nails/fastenersTools needed:
Hammer
Phillips
Screwdriver
Tape measure
Level
Stepladder
Cordless drill
Painting tools
Safety GlassesBrand: Yardline Floor: Yes Length: 12 ft. Material: Wood Shelves: No
Late Wells Fargo Mortgage Payment
Added on : Saturday June 29th 2013 09:00:07 PM
I searched for late payment information regarding mortgages and nothing closely related showed up, just credit card stuff. Aside from the "pay your bills deadbeat" posts which I probably deserve, I'm definitely not a deadbeat. I have my 6 month savings and the rest of my finance in very healthy condition.I thought my Wells Fargo mortgage payment was on autopay and it wasn't. My credit is sparkling and I've been current for the life of this account, almost 3 years. This is definitely my fault. My account had a red notice at the top that said 29 days late. I immediately paid tonight but it won't be assessed til tomorrow, which will post on the 30 day delinquency date(this seems to be the big date of delinquency for when it gets serious).I see a late payment fee posted for $42, I don't care cause it's my fault. My concern is my credit score, I will be showing the house very soon(next week) and will be selling. I will be renting closer to work because my commute is killing me. Now I'm worried that my credit will get me rejected from renting apartments. I don't know my credit score but it should be upper 700's at the least. I see people talking about an immediate 100 point hit, ouch. I plan on calling WF on monday when the mortgage department opens to get details. Below is a recent thread I made regarding selling vs landlord, not important but it gives some numbers on my loan balance and likely listing price.Should I be concerned? Is there anything I should do to help this situation? I appreciate the help from the FWF community over the years and ask for your help/advice again.http://www.fullofdeals.com/forums/finance/1274855/
As the subject says, WalMart has the 5 qt pennzoil (fully synthetic) at $24.97 with an instant $6 off coupon, bringing the total to $18.97 (before tax). Nothing to mail.
Coupon valid until 7/31
Walmart Coupons
NEED help to deal with ATNT poor customer service
Added on : Saturday June 29th 2013 07:00:07 AM
I purchase iphone at ATNT store and the shop assistant messed it up by inputting the wrong SSN for me.I failed to sign in online account and tried to negotiate with them to solve this problem, they didn't have any intention to help after the sale was done. So I can not have access to wireless account for 2 YEARS.

Now my wireless plan has been terminated and I'd like to change my phone plan.Due to the original wrong SSN,the people in the store did nothing and told me to call customer service. I did call and was asked to go to local store and show them my photo ID to reset my account. I did what I was told, but the local store still denied to do anything and claimed they did not have any right to do so on their level, asked me again to call the online customer service!! These guys are passing the buck back and forth while my problem remained unresolved.What else I can do with this nasty ATT service? Can I stop paying the bill while keep using their service since they did not know my SSN?
15 Free Broadway Show Tunes - iTunes
Added on : Friday June 28th 2013 03:00:12 PM
http://ygitunes.com/tbl/shn/Use code shnsf to unlock thisAnything Goes - "Anything Goes"
Bring It On: The Musical - "Its All Happening"
Chicago - "All I Care About"
A Christmas Story - "Red Ryder Carbine Action BB Gun"
End of the Rainbow - "Come Rain or Come Shine"
The Gershwins Porgy and Bess - "I Got Plenty of Nothing"
Jekyll & Hyde - "A New Life"
Jersey Boys - "Walk Like a Man"
Mamma Mia! - "Mamma Mia"
Matilda - "When I Grow Up"
Memphis - "Steal Your Rock n Roll"
Nice Work If You Can Get It - "S Wonderful"
Once - "Gold"
The Phantom of the Opera - "Masquerade"
Priscilla Queen of the Desert - "I Will Survive"
Rock of Ages - "Cant Fight This Feeling"
15 Free Broadway Show Tunes
Added on : Friday June 28th 2013 10:00:03 AM
http://ygitunes.com/tbl/shn/Use code shnsf to unlock thisAnything Goes - "Anything Goes"
Bring It On: The Musical - "Its All Happening"
Chicago - "All I Care About"
A Christmas Story - "Red Ryder Carbine Action BB Gun"
End of the Rainbow - "Come Rain or Come Shine"
The Gershwins Porgy and Bess - "I Got Plenty of Nothing"
Jekyll & Hyde - "A New Life"
Jersey Boys - "Walk Like a Man"
Mamma Mia! - "Mamma Mia"
Matilda - "When I Grow Up"
Memphis - "Steal Your Rock n Roll"
Nice Work If You Can Get It - "S Wonderful"
Once - "Gold"
The Phantom of the Opera - "Masquerade"
Priscilla Queen of the Desert - "I Will Survive"
Rock of Ages - "Cant Fight This Feeling"
Heads up - Bank of America POWER REWARDS CARD 5X rewards on Gas, Grocery, Restaurants Through 09/30
Hi, Bank of america 5% Cash Back for 3rd quarter is back.Copy pasting the info from a deal posted on 01/04Heads up - Bank of America POWER REWARDS CARD 5X rewards on Gas, Grocery, Restaurants Through 9/30.
5x bonus points offer. Now simply use your credit card for these qualifying everyday purchases and earn 5x points (up to 2,500 bonus points) through Sept 30, 2013:Gas Stations woot Grocery Stores Drug Stores Restaurants5% off with bank of america POWER REWARDS cardCheck your email or go to https://easyrewards.bankofamerica.com/ and say you don't have promo code.
Also you will get the offer details when you logout from BOA online session.No worries for Thumps Down.. At least few get better than nothing WinkCongratulations! You have successfully activated the 5x bonus points offer. Now simply use your credit card for these qualifying everyday purchases and earn 5x points (up to 2,500 bonus points) through September 30, 2013
Gas Stations Grocery Stores Drug Stores RestaurantsWe appreciate your business and invite you to continue to experience all your account has to offer.This offer was described in a communication that was sent to you on 6/25/2013. Please refer to the communication you received from Bank of America for additional offer details. thanks jingchak op sd
Any experience with Section 8?
Added on : Tuesday June 25th 2013 06:00:15 AM
Here's my situation: I have a relative who is disabled (actually disabled, not lazy). Her girlfriend/life partner/whatever they're calling it these days is also on disability, and gets a section 8 voucher. Currently they are living in a terrible neighborhood: multiple shootings and a murder or two in the last year within a few blocks. So, here's my plan. I would like to buy a small rental property in a safe neighborhood. Nothing nice, no granite countertops, just something safe, and cheap enough that I can cover my costs. I've found a couple of properties that will work, and am working on getting an offer together.I'm wondering if anyone has any experience with section 8. I've googled it, but I can't find good answers. Specifically:1. What is the process to get approved to accept section 8? What can I expect as far as inspections?
2. How long will it take to start getting paid?
3. Any chance that this won't get approved? It should be an arm's length transaction, because I'm not actually related to the person who is renting the place. I'm planning to charge about $50 below market rent (which is the voucher amount).This is in Ohio.
FREE eBOOKs from Microsoft!
Added on : Saturday June 22nd 2013 08:00:09 PM
I'm a super geek and love to tinker with new technology. Microsoft is giving away (yes, for free) lots of eBooks. FREE Microsoft eBooks Microsoft is offering a free collection of eBooks for download (EPUB, MOBI, and PDF format), with no registration, no requirements, nothing. Just click and download. The link is from this Microsoft dude Eric's blog but they're real links to great content (no weirdware or gimmicks)!Topics include:Office 2013 and Office 365
SharePoint
SQL
System Center
Visual Studio
Web Development
Windows
Windows Server
and more...So set your inner nerd loose and enjoy! http://blogs.msdn.com/b/mssmallbiz/archive/2013/06/18/huge-colle...
Microsoft Store Coupons
Free- Eidylon Series (Books 1-5) by Brondt Kamffer [Kindle]
Added on : Saturday June 22nd 2013 09:00:07 AM
Mountain of Eidylon http://www.amazon.com/Mountain-Eidylon-Novellas-ebook/dp/B00B0XY...
Warhawks of Eidylon http://www.amazon.com/Warhawks-Eidylon-Novellas-ebook/dp/B00BOXB...
Visions of Eidylon http://www.amazon.com/Visions-Eidylon-Novellas-ebook/dp/B00AV1OV...
Temple of Eidylon http://www.amazon.com/Temple-Eidylon-Novellas-ebook/dp/B00B73TB5...
Republic of Eidylon http://www.amazon.com/Republic-Eidylon-Novellas-ebook/dp/B00BEC6...In a war between immortal gods, time means nothing. In Eidylon, the god Ataharibu lies imprisoned beneath a mountain, supposedly defeated and caged forever. But he has time.Time enough to draw a far-off refugee to the valley surrounding the mountain. Time enough for that mans descendants to build a city beneath the mountain. Time enough to twist the hearts of those in the city to worship him. Time enough to gather the pieces of his shattered body back together. Time enough to make humankind, who should have opposed him, become the means of his release.Inspired by Romes ancient legends and history, Eidylon is a fantasy epic-of-place that charts the 1,000-year history of a city manipulated by an evil god. Birth of an Empire tells the first 600 years of that story: the rise of the Eidylene Empire in the service of AtaharibuHe Who Will Destroy.
12 Free Fiction Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 09:00:07 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
12 Free Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 08:00:06 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
United did not let my infant daughter to fly
Added on : Saturday June 22nd 2013 07:00:05 AM
I follow up deal discussions frequently but I admit I did not contribute here before. I have this problem and wondering if anyone here could lead me in the right direction for my next step. It is rather complicated but I am going to try and summarize without confusing anybody.I used Orbitz to buy a flight ticket for me and for my 10 month-old daughter from Cleveland, Oh to Washington DC and final destination to Istanbul, Turkey. It is US Airways from Cle. to DC and Turkish Airlines from DC to Ist. When I bought the ticket I entered travel info. for both of us (daughter in lap - no extra seat). On the flight confirmation from Orbitz there was only one airline ticket number and it only listed my name. But I called both airlines and confirmed both me and my daughter. She was listed. I was informed by Turkish Airlines there is a 10% fee for my daughter which would be collected at the airport. Fine.A few days before the flight I called Orbitz and told everything was fine. I called both airlines confirmed and arranged seat locations, baby meal and a baby basket for the Turkish Airlines flight. I even printed out the confirmation page from US Airways showing both me and my daughter as passengers. Yesterday (departure date) I went to the Cleveland airport to US Airways desk. I was told it was a code share flight and to go to United desk since it was their flight. United Airlines found the reservation for both of us but there wasn't a ticket for my daughter. I explained that I had confirmed with both airlines and no one told me I needed a ticket for my daughter. But I was not their passenger (Technically I was Turkish and US Airways passenger)so they didn't care about my situation. They sent me back to US Airways. US Airways could see both reservations but again only my ticket. I went back and forth between United and US Airways and finally I asked what I needed to do so that my daughter could fly with me. I was told there was nothing they could do and my daughter could not fly. I asked if I needed to pay but that wasn't the problem. Needless to say I missed the flight and today I am still in Cle. I did not know I needed a ticket for my infant daugther. When I bought the ticket I wasn't told by Orbitz or US or Turkish that I needed a ticket for her. When a person buys a flight ticket for himself and an infant, during checkout Orbitz request Traveler Information for both Adult and Infant. It also indicates Airline Ticket (1) $$$$ (Adult:1 Infant in lap:1). So one ticket for both adult and infant! I never thought I needed a seperate ticket. I also contacted both airlines they knew I was flying with an infant no one told me I needed an additional ticket! I was told by Turkish I would need to pay 10% but I was not informed I needed a ticket for her.I found out today that Turkish does not ticket infants until it gets paid.(which can only be paid at the counter of the Turkish - it can't be paid by phone or internet!!). But there is no Turkish counter in Cle. so I couldn't pay for it in Cle (United did not accept payment). Therefore she didn't get a ticket. Since she didn't have a ticket United didn't fly her. It seems like Turkish was going to charge and give me her ticket in DC? At this point each airline and Orbitz blaming each other. No one is trying to find another flight for us at a later date. My vacation is ruined. I want to pursue this and want to find what my options are. I appreciate anyones input. Thanks!
The Grave Gourmet by Alexander Campion
Ends 6/25
Genre Mysteries
From the Champs-lyses to the twinkling banks of la Seine, chic Parisian policewoman Capucine LeTellier plunges into a uniquely Parisian affair of gastronomic delights and bureaucratic intrigue to close a case that could make her career-or kill it
After dining on such delicacies as oyster sorbet and avocado souffl, Jean-Louis Delage, prsident of automotive giant Renault, has been found dead in the freezer of Le Diapason, a three-star restaurant owned by Chef Jean-Basille Labrousse, a renowned restaurateur extraordinaire.Capucine is uniquely suited to the case, as her husband Alexandre is a food critic well-connected to the culinary world. In between sharing sumptuous meals and fine wine with Alexandre at Paris finest eateries, Capucine struggles to win the respect of her new squad of detectives and crack both the case and the guarded secrets of the restaurant staff.Praise for Alexander Campions The Grave Gourmet
"Full of amusing characters Readers will want a second helping. -Publishers Weekly"A delicious mystery a fun book with a very different flavor. -Carolyn Haines, author of the Bones Mysteries"An astonishing debut that raises the bar on todays detective novel. -Aram Saroyan, author of Door to the River"Saucy, spicy, tastyooh-la-la! -Kate CollinsThe Victim by Jonas Saul
Ends 6/25
Genre Mysteries & Thrillers
Sarah is killed in a horrible car accident, the DNA found in the car verified as hers. But the government men at the Sophia Project have faked her death to keep her to themselves.After her funeral, she shows up in the food court of a busy mall where a violent exchange takes place. Things go wrong fast. The people protecting Sarah die within seconds from a mysterious drug. She runs, escaping the clutches of the police who want to figure out her connection to the murderers.A group of men called The Rapturites surface to take responsibility for the carnage. They want Sarah raptured as the end times are upon us.As the police hunt her, and the Rapturites get close, people she loves, old friends who have helped her in the past, start to die around her.Vivian, her sister, watches. Vivian listens.Sarah executes.In Sarah Roberts Book Five, Sarah is The Victim, and there's nothing she can do about it.Except she won't stay dead.Game, Set, Match (A Humorous Contemporary Romance) (Love Match) by Nana Malone
Ends 6/24
Genre Contemporary & Historical Romance
Sassy contemporary Romance. 99,000 words. This is the revised ebook editionOff the court, tennis star Jason Cartwright's playboy image is taking a public beating. On the court, he's down forty-love. A knee injury is shutting down his game, and the paparazzi are splashing his love life on every magazine. A comeback is in order, but the makeover he needs to save his faltering career is in the hands of the woman he loved and left fifteen years ago.While single-mom, Izzy Connors, sees people for who they really are through the lens of her camera, even without it, she knows Jason isn't the star he appears to be. Although his charm and good looks haven't dimmed since he broke her heart, all she sees is his wasted talent and playboy lifestyle.Can Izzy put the past behind her and help Jason get his game, and his image, back on track? Or will the click of her camera shatter his world as well as his heart?Summer of Firefly Memories by Joan Gable
Ends 6/21
Genre Women's Fiction
SUMMER OF FIREFLY MEMORIES - Book One in the Loon Lake Series
SUMMER OF DRAGONFLY CHANGES - Book Two in the Loon Lake Series - NOW AVAILABLE - May 2013One summer. One cabin on a lake. Four thirtysomething sisters. Anything can and does happen.One Amazon Reviewer PraisesIt brought back memories of summers past as well as memories of relationships. It was delightful. I recommend this book to others who enjoy contemporary fiction and enjoy the nostalgic feeling you get when the author is writing about your life.Overview:Imagine spending an entire summer in a cabin on a lake - simply because you can.Thats exactly what Samantha McGreggor, a thirtysomething eco-journalist, does in SUMMER OF FIREFLY MEMORIES. She trades Arizonas summer heat for Minnesotas cool lake breezes by spending her summer at the same resort her family used to go to when she was young.Her summer agenda - relaxation, beach reads, soul-searching, bonding with her three grown sisters.Her concerns - she and her sisters havent been back to the resort since their parents death twenty years ago when they were all practically teenagers, and, well, they tend to act like emotional teenagers when theyre all together.Her summer reality fun in the sun, secrets, sibling rivalries, lost memories, new love, hope.What readers are saying about SUMMER OF FIREFLY MEMORIES...One Step Too Far by Tina Seskis
Ends 6/21
Genre Literary Fiction
An apparently happy marriage. A beautiful son. A lovely home. So what makes identical twin Emily Coleman get up one morning and walk right out of her life? How will she survive? And what is the date that looms, threatening to force her to confront her past? No-one has ever guessed her secret. Will you?"A gripping thriller that will delight fans of the unexpected twist ending." Grazia"I couldn't put it down! An intricate, tightly plotted story, engagingly told." Helen Castor, author of She-Wolves, Sunday Times Books of the YearAn evocative, skillful novel about the price of escape. Recommended. Kirkus ReviewsIts compelling, gripping, frightening, embarrassing, deeply sad and lovely all at once. Just read it. You wont be sorry. I loved this book. myzennana.comWOW! This one is a winner! While the plot might seem like a movie-of-the-week, the gorgeous writing elevates it to fine contemporary literature... I am praying someone options it for the big screen. Suzanne Rogers, South Carolina, USZombie Games: Origins by Kristen Middleton
Ends ???
Genre Horror
Seventeen year old Cassandra Wild thought living in the chaos of her mothers home daycare and dealing with her developing feelings for Bryce, her new Martial Arts instructor, was a struggle, until the night her world turned upside down.When an untested vaccine kills more than just a rampant flu virus, Cassie learns how to survive in a world where the dead walk and the livingrun!Surrendered Hearts by Carrie Turansky
Ends ???
Genre Religious
Winner of the International Digital Award, Inspirational Novel CategoryA gas pipeline explosion and fire destroy Jennifer Evan's apartment and change her life forever. Not only does she lose her home and beloved dog, the ugly scars that cover her arm, neck and shoulder steal her confidence and cause her fianc to desert her. With her funds depleted and her job on hold, she heads for Vermont where she hopes to reconnect with her brother and find a way to rebuild her shattered life.Bill Morgan, head naturalist at the Wild River Nature Center and her brother's roommate, is a strong quiet man whose faith runs deep. He and Jenn's brother determine to help Jenn make a new start in Vermont. Bill's stumbling attempts to share his faith with Jenn seem to fall flat and push her farther away, but she can see the difference his faith makes in his life, and her heart is still drawn to him. Will she hold on to the pain of her past, or will she surrender her heart and finally find the faith and love she longs for?Endorsement:
Fire stole Jenns career, possessions, beloved dog, the affections of a fianc who couldnt see past her scars, and any remnant of faith she possessed. But struggling through her fears leads Jenn to an amazing God who cherishes her just as she is, and to embrace a love and life she could not have imagined. Surrendered Hearts is one more example of Turanskys ability to draw a readers heart toward its Heavenly home, filling it with determination, hope, and romance for the journey.Cathy Gohlke, Christy award-winning author of William Henry is a Fine Name, I Have Seen Him in the Watchfires, and No Greater Love.Powder Burn by Mark Chisnell
Ends 6/22
Genre Action & Adventure
If Dragon Tattoos Mikael Blomkvist and the Hunger Games Katniss Everdeen could have a love-child, shed probably be a lot like Sam Blackett...Sam had given up her Manhattan job, and her cute apartment in Brooklyn. Shed abandoned her astonished boyfriend to the charms of ESPN.com, and flown off into a new dawn to chase her dream of becoming an investigative journalist.Three months later, alone in a soulless internet caf, shes facing some cold, hard facts; shes unpublished, unhappy and broke. And right then, the gorgeous Pete Halland blows into her life headed for the mythical Powder Burn mountain to write history and blast into legend.If she throws in her lot with Pete and reports the story for National Geographic magazine it could rescue her ambitions, but hes holding back some Crucial information the question for Sam is... what?Soon, Sam is up to her neck in snow and the weather is the least of her problems; lost in a secretive Himalayan kingdom with what could be a magic sword and a simmering and potentially bloody revolution.But the father she lost to the war in Iraq was a marine, and he taught her a few tricks in the Vermont backcountry that might just get her out alive and with a story to tell that could make the front page of the New York Times.The Wrecking Crew by Mark Chisnell
Ends ???
Genre Action & Adventure
Janac's back... and there will be games - so what will you do when it's them... or the woman you love?Psychotic GamesDrug baron Janac has unleashed a reign of terror in the South China Sea to fund his battle for control of the Australian narcotics trade. When he attacks an old cargo ship on an evil night off the Indonesian coast, it seems he has also found the perfect victims to exploit with his psychotic games.Last VoyagePhil Hamnet and his wife Anna are sharing a last voyage before the arrival of their twins. Hamnet escapes Janac's attack, but Anna is taken and held hostage to ensure first his silence, and then his cooperation. But when Janac's rogue ex-Special Forces crew attack more ships and men start dying, Hamnet has to decide if he can continue to sacrifice the lives of unknown sailors to save the woman he loves.
Do you like the NAME of your company?
Added on : Thursday June 20th 2013 04:00:07 PM
OK, so here's the deal. I work for a Big Four company in advisory. I think we're all rational here and no one here thinks that's anything special. Salary is nothing special, the work is nothing special, the work life is nothing to brag about, and while you are surrounded by generally above average people, there's really nothing that great. Except one thing.In the IRRATIONAL real world, if you tell someone (say on a first date) you're a manager, they get all googly eyed. It's almost the same effect as if my Camry turned into a BMW 5 Series. Even if they should be smarter than that, for example, say on a first date, your date works in audit in the Big Four... You tell them you're in advisory and again they get all googly eyed even though realistically, you probably make at most 10% more than your audit counterpart. In fact, the funny thing is, if you told them you worked at McKinsey or Bain or Carslyle or Blackstone, they probably would give you a blank stare!Now the rational part... How much does this NAME also mean on your resume and what is its value to a career?The reason I ask is my sibling has an offer out of college at one of the Big Four and another offer at a manufacturing company that you'd probably never heard of without Google offering 10k more.What do you think?
FREE eBOOKs from Microsoft!
Added on : Thursday June 20th 2013 07:00:04 AM
I'm a super geek and love to tinker with new technology. Microsoft is giving away (yes, for free) lots of eBooks. FREE Microsoft eBooks Microsoft is offering a free collection of eBooks for download (EPUB, MOBI, and PDF format), with no registration, no requirements, nothing. Just click and download. The link is from this Microsoft dude Eric's blog but they're real links to great content (no weirdware or gimmicks)!Topics include:Office 2013 and Office 365
SharePoint
SQL
System Center
Visual Studio
Web Development
Windows
Windows Server
and more...So set your inner nerd loose and enjoy! http://blogs.msdn.com/b/mssmallbiz/archive/2013/06/18/huge-colle...
Rosewill CAPSTONE-750 750W Capstone ATX12V EPS12V Crossfire Ready Power Supply only $69.99
750W Crossfire Ready Power Supply
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Newegg Coupons
Advice/Help requested for personal finances
Added on : Tuesday June 18th 2013 11:00:07 AM
Hello, been a long time lurker on this board. Made a few posts, but mostly just reading. These posts come up frequently so I expect it to get overlooked, but I am posting it regardless. I have reached a point where I feel I have stopped growing in financial terms. I have a very conservative type of personality and the stock market is uncomfortable for me. Earn next to nothing on a checking/cd account. So I feel stuck. Any advice would be appreciated as this board is typically where I turn to for financial advice. Perhaps I just need to grow a pair and invest in equities.Stats
31 years old, married
No kids, but hopefully within the next year
Salary = 40k Wife 30k
401k= 120k (Very aggressive risk) wife=5k
rewards checking account earning 2.75% =48k
rewards checking earning 2%= 21k
Roth IRA 22k invested in all cash (yes dumb, should I just put this in a long term large cap etf?)
32k in Fidelity account in all cashPerhaps I should just dollar cost average into a S&P ETF? Go all in at once? I feel part of my problem is trying to "time" the market which I know is not possible. It just makes it difficult to invest when at an all time highDebt
Mortgage 104000 @3.25%
Student loan 18k @ 2.875Thanks for any help
Upgrade or apply for new 1-2-3 BankAmericard Cash Rewards?
Added on : Tuesday June 18th 2013 08:00:11 AM
I have an old MBNA card that is earning worldpoints. I hardly use that card. I got a letter from BoA offering me an upgrade to the 1-2-3 BankAmericard Cash Rewards Visa Signature. Is there any disadvantage to switch? Maybe holding off for better promotions (there is no bonus offer for upgrade)? I saw $100 offered somewhere, but it requires applying for a new card. I am confused about whether to upgrade or apply for a new one, or do nothing.Thanks.
Chase Ink Bold CC: Not accepting calls to expedite consideration
Added on : Monday June 17th 2013 07:00:16 AM
So I just applied for the Chase Ink bold charge card and was not instantly approved (which often happens). As usual, I called the reconsideration line to see if I could help with expediting process by answering the traditional additional questions but was informed that they are no longer accepting calls in order to expedite the process. This was odd to me as I had read otherwise in previous posts when dealing with chase. I also had successfully gone through this process with two other lenders.I was wondering if anyone else had a similar experience with this or the ink plus credit card? If so, is there truly nothing else to do but wait for the written response 2-4 weeks later?
Allen Edmonds shoes tent sale (very good deals) ends 6/23
Added on : Monday June 17th 2013 03:00:03 AM
Link to salehttp://content.allenedmonds.com/pdf/AllenEdmonds_TentSale_Mailer...This is nationwide. Ordered 2 pairs via phone, no tax or shipping to NJ. Free returns. I've been searching for about 7 months now for a good deal, these are the cheapest prices I've seen in that time by a good margin. They do have several pairs that are not advertised on flyer, i would suggest you ask while next to an internet connection.Incase you are unaware of the Allen Edmonds
reputation and build quality, it is actually one of the most cost effective shoes money can buy. I'm not an expert by any means, but I have done a lot of research and asked the opinions of a few 80 yr old shoe repair shop owners. Allen Edmonds
is known to the entry level shoe that is built to a standard of much more expensive shoes. The 360 degree welt construction is something in particular to look for, but I'd be willing to bet any shoe with their name on it is going to be very high quality. The reason they are the best value in shoes in my opinion is because between the very high quality of the materials, and the fact that much of the shoe can be repaired and replaced, means you will have them for a very long time. While I'm not sure on the specifics, a quick google search will tell you popular brands like johnston and murphy, and cole haan, are essentially laughable in comparison to material and construction quality.I must confess, I am a complete cheapskate, and that is the reason I'm buying these. The fact that they look good and are comfortable is just a bonus. For the last 20 years I've been buying name brand dress shoes at ross for $30-$40, and I have come to the conclusion these Allen Edmonds
will last more than 5x longer than the cheaper shoes I've been buying. They just make sense from every angle.I ordered 2 pairs, the delray, which is not listed on the flyer. I bought them in black and brown. If you do a quick comparison search, you will see they retail most places for $345 a pair. I paid a grand total of $258 for both pairs. $129 each, no tax, no shipping. Amazing price.One caveat I can't stress enough, know your shoe size, length and width. I actually went to Nordstrom to try some on to make sure I had it right. I tried on several in my size (10.5) that were totally unwearable because they had the wrong width, it is nothing like tennis shoes where one size fits all and all you need is your length. If you get the width wrong you will be extremely unhappy.Disclaimer, please disregard spelling mistakes, made this post from my phone because i was excited to let fatwallet know after I got such a good deal!
Allen Edmonds Coupons
Advice on my Roth 401k rollover
Added on : Sunday June 16th 2013 06:00:09 PM
I recently switched jobs from a more established firm to somewhat of a start-up. I left having a Roth 401k that i was putting 3% in (and the company BARELY matched anything) - the new firm has nothing as we are just getting going. Can you suggest what I should be considering rolling over my current Roth 401k into? I have read the threads but unfortunately I have taken 2 pages of notes, and have managed to confuse myself to the point of writing this thread. I would love to withdraw money in my account for some necessary home repairs, as I have a roof that is getting a bit sketchy, but it appeared that I would be looking at some penalties if i chose that route. Thank you in advance for anything you can help me understand.
cocktail reception June 18 7 -10 NYC meatpacking
Added on : Sunday June 16th 2013 05:00:09 PM
This is actually rare because all gallery receptions are always Thursday night, and in out-of-the-way Chelsea west side hwy galleries.Now this one happens to be on wild-card Tuesday, June 18 7 PM -10 PM, and at a chick Meatpacking District gallery always full of "freshest cuts"...So for nothing better to do, check it out - and thank me later in your post-report svp (boy, I haven't been to an opening in years it seems) Photo cocktail reception for Jonathan Mannion
Milk Studios 450 West 15 Street
West of Ninth Avenue
RSVP mannion@milkstudios.com
Allen Edmonds tent sale (very good deals) ends 6/23
Added on : Sunday June 16th 2013 02:00:02 PM
Link to salehttp://content.allenedmonds.com/pdf/AllenEdmonds_TentSale_Mailer...This is nationwide. Ordered 2 pairs via phone, no tax or shipping to NJ. Free returns. I've been searching for about 7 months now for a good deal, these are the cheapest prices I've seen in that time by a good margin. They do have several pairs that are not advertised on flyer, i would suggest you ask while next to an internet connection.Incase you are unaware of the Allen Edmonds
reputation and build quality, it is actually one of the most cost effective shoes money can buy. I'm not an expert by any means, but I have done a lot of research and asked the opinions of a few 80 yr old shoe repair shop owners. Allen Edmonds
is known to the entry level shoe that is built to a standard of much more expensive shoes. The 360 degree welt construction is something in particular to look for, but I'd be willing to bet any shoe with their name on it is going to be very high quality. The reason they are the best value in shoes in my opinion is because between the very high quality of the materials, and the fact that much of the shoe can be repaired and replaced, means you will have them for a very long time. While I'm not sure on the specifics, a quick google search will tell you popular brands like johnston and murphy, and cole haan, are essentially laughable in comparison to material and construction quality.I ordered 2 pairs, the delray, which is not listed on the flyer. I bought them in black and brown. If you do a quick comparison search, you will see they retail most places for $345 a pair. I paid a grand total of $258 for both pairs. $129 each, no tax, no shipping. Amazing price.One caveat I can't stress enough, know your shoe size, length and width. I actually went to Nordstrom to try some on to make sure I had it right. I tried on several in my size (10.5) that were totally unwearable because they had the wrong width, it is nothing like tennis shoes where one size fits all and all you need is your length. If you get the width wrong you will be extremely unhappy.Disclaimer, please disregard spelling mistakes, made this post from my phone because i was excited to let fatwallet know after I got such a good deal!
Allen Edmonds Coupons
Proper response after debt collection call over phone
Added on : Sunday June 16th 2013 10:00:02 AM
Midland Credit Management Inc called me about some debt (~$100) they say I owed T-Mobile back in 2011. They provided me with 2 phone numbers, the address, and date of birth linked with this account and they are not mine. The only correct information they have is my name. The person calling asked me to send in a letter disputing this debt.Do I need to send the standard certified letter "I dispute. Please validate." if they haven't sent me any formal collections letter? I'm not even sure that they have my current address. I have moved a few times in the last few years, so there is a small chance they have sent something before and I did not get it. Also, nothing on Credit Karma so far.Would the safe option be to send the certified letter? Thanks all. Read about this all the time on FWF and it should be no big deal, but it's still a bit stressful.
SCARFACE LIMITED EDITION FOR $15 AT TARGET
Added on : Saturday June 15th 2013 02:00:02 PM
SCARFACE LIMITED EDITION FOR $15 AT TARGET IN THE STOREITEM # 058370698
UPC 025192107238WalMart FOR $12.99 BUT OUT OF STOCK LINKTHIS IS THE SteelBook / Limited Edition / Blu-ray + DVD + Digital Copy + 10 COLLECTIBLE ART CARDSUniversal puts together a very small but nevertheless nice set of high-def exclusives, which includes the case and postcards. The "Limited Edition" of Scarface arrives on Blu-ray with gorgeous SteelBook packaging. The blood-red case features an image of Tony firing his "little friend" on the front and Tony's "TM" logo amid a slew of guns on the rear. Inside the case, the discs are housed atop black and white pictures from the film. Ten contest-winning art cards for the film are included, as is a downloadable digital copy of Scarface. The extras are numerous and worthwhile:Scarface (1932) - Universal includes a separate DVD copy of Howard Hawks' 1932 masterpiece Scarface. This is the same edition of the film that was released separately in 2007 as part of Universal's Cinema Classics series. The original Scarface is an excellent gangster film, and features an intense performance by Paul Muni as Antonio "Tony" Camonte. Those unfamiliar with this version will likely enjoy it, and the film's inclusion here increases the Blu-ray's value exponentially. The 1932 film receives a respectable 1.33:1 transfer and mono soundtrack, and the disc includes full menus, an alternate ending and an introduction by film historian Robert Osborne.
U-Control - Universal includes two interactive features that viewers can choose to play while watching the film. The first, a Picture-in-Picture Track, features video interviews with the cast and crew. There is also a scene comparison between the 1983 and 1932 versions of Scarface. Some of the material is repeated in other bonus features, but this is a nice track. Scarface Scorecard is a silly feature that counts each time the word "F***" is used or there is gunfire.
The Scarface Phenomenon (38:34) - This newly created, three-part retrospective documentary is presented in high definition and includes interviews with De Palma, horror director/actor Eli Roth, film critic Julie Salamon, rapper Sen Dog, author Roberto Saviano and filmmaker Antoine Fuqua, among others. If nothing else, this documentary makes clear that a lot of people really love Scarface.
Deleted scenes (22:29) - In these scenes, Tony bonds with Manny, goes to another drug deal and approaches the local district attorney at a restaurant.
The World of Tony Montana (11:38) - Police officers, authors, filmmakers and fans of Scarface discuss the rise of Tony Montana from Cuban immigrant to drug kingpin.
The Rebirth (10:08) - In this featurette, De Palma discusses the 1932 Scarface and how it inspired him to create a modern gangster epic.
The Acting (15:05) - The focus of this piece is the actors, namely Pacino and Pfeiffer.
The Creating (29:35) - This is essentially the disc's making-of documentary, and De Palma, Stone and Producer Martin Bregman discuss the creation of the controversial film.
The Making of "Scarface: The Video Game" (12:05) - This throwaway featurette explores the creation of the popular video game that was inspired by the film.
Scarface: The TV Version (2:48) - Scarface includes a lot of violence and profanity, and this short featurette reveals some of the hilarious changes made for network television.
Universal also includes D-Box Motion Code, the My Scenes bookmarking feature and a BD-Live Portal. The only things missing are the superfluous Def Jam Presents: Origins of a Hip-Hop Classic featurette available on the 2003 DVD and the film's theatrical trailer, which is actually available via BD-Live.
Mad Catz Street Fighter X Tekken - Arcade FightStick PRO
Xbox360 or PS3 / "Cross" or "Line" designAmazon LinkNote: The PS3 versions are in stock, the Xbox360 versions are not. Either Xbox360 controller will default to a third-party seller, just use "More Buying Choices" on the right to select Amazon as the seller.
Quoted 2-4 weeks shipping, it will probably be sooner especially if a bunch of FW'ers purchase together.Here comes a new challenger! Get ready for the next battle when the two biggest fighting games clash head-to-head in Street Fighter X Tekken! Created to appeal to the serious fighting game enthusiast, nothing brings the arcade experience closer to home than the Street Fighter X Tekken Arcade FightStick PRO. Approved by both Capcom and Namco, and embellished with exclusive game artwork, the FightStick PRO uses arcade-quality components from legendary Japanese arcade manufacturer, Sanwa Denshi. Featuring a Japanese-style ball-handled joystick and 30mm action buttons placed to match the Vewlix arcade cabinet configuration, arcade gamers will feel right at home.The legacy of the Tournament Edition continues with the brand new design of the FightStick PRO!
Authentic Japanese-style Sanwa Denshi joystick & buttons
8-button layout with additional multi-speed Turbo functionality
Premium-quality components with genuine arcade layout
Controller lock/unlock switch prevents accidental button presses
Amazon Coupons
If you've never ordered a "blemished" stripped AR-15 lower receiver from Palmetto State Armory (PSA) before, you'll probably be like I was.....hard pressed to find the blemish! Seriously, so far as I was concerned, mine was flawless!These have been going for $99.99 recently, but they have a Fathers Day special, this weekend, for $69.99, plus shipping (usually $7 per lower). Remember, you MUST have these shipped to an FFL holder, as the ATF considers the lower receiver the actual "firearm" part of the AR-15. If you're not sure who in your area has an FFL, any private gun shop should have one, and you can usually arrange for them to fax a copy of their FFL to PSA, with nothing more than a phone call. A nominal fee will be charged by them, so ASK how much beforehand. If you're ordering more than one, many FFL holders will charge you just one transfer fee.This is an outstanding value for anyone who wants to build their own AR-15, using a quality lower receiver. Prices are falling, daily, on components, so go for it! http://palmettostatearmory.com/index.php/fathers-day-sale/palmet...
Obi100 $35.69 shipped from Amazon
Added on : Monday June 10th 2013 06:00:04 PM
This is the lowest price I've seen for the Obi100. I just now ordered this for a second free home phone service, the first one worked so well.Better hurry as Amazon prices changes like the weather.LinkyFREE Calling with Your Home PhoneUse your existing home phone and your broadband router to make and receive calls over the Internet for free (or at a very low-cost).  Why You Will Love the OBi
Save Money
Use FREE and low-cost VoIP services to lower your phone bills... Maybe to NOTHING!
Pay Only for the Device It's Not Locked to a Service!
You can add VoIP services to make & receive phone calls to and from regular numbers. In addition, OBi to OBi calls are FREE.
Computer Not Required
All you need is your existing home phone and broadband router.
Fantastic Voice Clarity
Talk with your family and friends anywhere in the world, from the comfort of your home telephone.
Amazon Coupons
Vittoria Open Corsa Evo SC Clincher Road Tire - Closeout $47.99 Free Store pick up @ performancebikehttp://www.performancebike.com/bikes/Product2_10052_10551_113343...Vittoria Open Corsa Evo SC Clincher Road Tire - Closeout
The Vittoria Open Corsa Evo SC is nothing short of excellent. It features a uniquely supple 320 TPI cotton casing and a new, lighter puncture resistant belt that cuts flats by 40% over previous models. It is developed and produced under constant scrutiny in Vittoria's very own factory.The only touch point a bicycle has with the road is the tires. The experience of a bicycle rise is therefore largely influenced by a tire. Grip, puncture resistance and the reduction of pace-slowing rolling resistance is key to any great road tire. Better make it count. A fine, dense weave produces a high performing softer and more flexible casing
Outstanding handling and comfort
145 Max PSI
210 grams
Performance Bicycle Coupons
i apologize if this is a repost.the ad for 6/9 for Staples is up, but nothing much can be of much use for the FW consumer...From what I see so far is the followingpage 12:Save 15% all season long...{/q] $10 card is good on school supplies and backpacks valid through 9/21, I think.

the paper offers are the following:

3.99AR Staples multipurpose paper (513099) limit 4
case paper is B2G1
$2AR on Staples 4x6 photo paper (648177) limit 4

Triple recycling with $75 ink purchase, limit 5 (thank you billrubin for the reminder)

Get $6 back in Staples Rewards per recycled cartridge when you purchase $75 of HP ink

Proven performance for superior prints.* Limit of 5 recycled cartridges will earn $6 back. Valid 6/9/136/15/13: Limit of 5 recycled cartridges will earn $6 back during the promotion. Purchase $75 of HP ink in one transaction and earn $6 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Offer not valid on HP toner. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $6 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge. 4Gift cards are not returnable. If item is returned, the value of the gift card will be deducted from the refund amount. *Based on customer ratings of print quality for HP and competitive inks for HP printers, August 2010.
For those interested, the HP slate is $169.99 (203431)Keurig brewers come with GCs, but are so-soSecurity software is mostly kaspersky and norton all in +29.99AR range... (hard to convert rewards, personally)thank you for reading. If anyone sees a way to make deals hotter, please feel free to mention them.
Staples Coupons
Is there a way to prepare for hyperinflation?
Added on : Thursday June 06th 2013 08:00:14 AM
With the rate our the US is printing $ is there concerns of hyperinflation where the US dollar is worth nothing.Any ideas on how and what to invest in to insulate from a situation like this?Is there no chance for hyperinflation?
i apologize if this is a repost.the ad for 6/9 for Staples is up, but nothing much can be of much use for the FW consumer...From what I see so far is the followingpage 12:Save 15% all season long...{/q] $10 card is good on school supplies and backpacks valid through 9/21, I think.

the paper offers are the following:

3.99AR Staples multipurpose paper (513099) limit 4
case paper is B2G1
$2AR on Staples 4x6 photo paper (648177) limit 4

Triple recycling with $75 ink purchase

Get $6 back in Staples Rewards per recycled cartridge when you purchase $75 of HP ink

Proven performance for superior prints.* Limit of 5 recycled cartridges will earn $6 back. Valid 6/9/136/15/13: Limit of 5 recycled cartridges will earn $6 back during the promotion. Purchase $75 of HP ink in one transaction and earn $6 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Offer not valid on HP toner. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $6 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge. 4Gift cards are not returnable. If item is returned, the value of the gift card will be deducted from the refund amount. *Based on customer ratings of print quality for HP and competitive inks for HP printers, August 2010.
For those interested, the HP slate is $169.99 (203431)Keurig brewers come with GCs, but are so-soSecurity software is mostly kaspersky and norton all in +29.99AR range... (hard to convert rewards, personally)thank you for reading. If anyone sees a way to make deals hotter, please feel free to mention them.
Staples Coupons
i apologize if this is a repost.the ad for 6/9 for Staples is up, but nothing much can be of much use for the FW consumer...From what I see so far is the following (WIP)
Just got a Check From UPS for what??? check your mail!
Added on : Wednesday June 05th 2013 11:00:04 AM
I just got a $25.30 check from UPS, it says it's some kind of refund from US Customs and Border Protection. The 800# for information that is listed is disconnected. I called UPS and they see the check# in their system, but have no idea what it is for (got to love that!). The kicker is that I am an individual and have never shipped outside the continental US. Don't get me wrong I will take the money, but I just want to make sure that this is not part of something bigger and potentially complicated. Basically I don't like the idea of endorsing a check I know nothing about.
Citi Mortgage (seller) trying to back out of real estate contract.
Added on : Tuesday June 04th 2013 06:00:03 PM
Big fan of Fat Wallet and never really had a reason to post until now. What Im looking for is to be told youre crazy let it go or you should seek legal counsel and fight it til the end. Ill keep this as short as possible. If more info is needed let me know and Ill be happy to provide details. Dates might not be 100% accurate but they are close.Here is the timeline of events. In early January the house is listed for sale. To be clear, there is Citi Mortgage who owns the house, Olympus Asset Management which Citi has contracted to do all the leg work, the listing agent and my agent. I make an offer and the real estate contract is signed and ratified two weeks later. Part of the deal was Citi/Olympus wanted to close very quickly so it must be a cash deal. Closing date was set for Jan 29. Closing date rolls around and Im informed there are some title issues so closing needs to be delayed. No big deal. I sign an extension and new closing date is Feb 8th.On Feb 6th. I am sent a HUD statement, wiring instructions and told to transfer power over to my name. I was told money needed to be wired a day early so it is in the escrow account at time of closing. Feb 7th Power is transferred to my my name and full purchase amount is wired. Feb 8th, the morning of closing, Im told there is a slight issue and we wont be able to close today but will very soon. A couple of days pass and the small issue has turned into a large issue. Money is wired back to me but power is kept in my name. For the next month or so Im told any day now we will close. Towards the end of March they say its a major title issue and we need to sign another extension. I sign the extension and the power is transferred back to their name. New closing date is moved to April 28th. Around April 20th, the seller requests another contract extension until June 28th. I say no problem and sign another extension. May 15th Citi/Olympus request a release of contract due to the title issues. Citi/Olympus reasoning is it was initially a deed in lieu of foreclosure but the paper work wasn't done correctly and they need to start the foreclosure process from scratch and by law a house going through foreclosure cant be under contract. Citi specifically said they will not reimburse any expenses incurred by me such as power, wiring fee, cost of money sitting in an escrow account for 4 days etc. Nothing has happened since. The house has a lot of sentimental value to me and all I want is for them to sell me the house. I have expressed to them I dont mind waiting another 6 months or a year. I just want to buy the house. Can I sue and make them sell me the house? Sue them for a couple hundred bucks worth of expenses just to aggravate them or let it go and move on?
http://tech.woot.com/offers/magellan-7-gps-with-lifetime-maps-4Condition: New
Ships in 1-2 Business Days
3 per Customer
Lifetime map updates allow you to always have the latest maps for the life of your navigator. Internet connection required to receive map updates.
Big and brilliant 7" color touch display. You will be able to spot key information at a glance
The OneTouch Favorites Menu allows you to personalize your travel experience with icons of your favorite places and searches. Magellans exclusive OneTouch user interface offers ease-of-use and the detailed touches that deliver a superior user experience
The Magellan exclusive built-in AAA TourBook provides ratings and descriptions of AAA-approved places to stay, play, dine and more
Should you need Roadside Assistance, you can get help right away as an AAA member your navigator will display the phone number and your location. Visit www.AAA.com/GPS for more information
Nothing is more frustrating than being in the wrong lane. With Highway Lane Assist, realistic highway signs point you in the right direction when youre approaching interchanges and exits, so that you'll choose the correct lane well before your next turn. (continental US only)
Spoken Street Name Guidance allows you to hear street names with every voice direction and have a clear understanding of when to make the next turn while you navigate through tricky intersections
Quickspell helps you enter addresses correctly - even if you are not sure of the spelling
Multi-Destination Routing enables you to plan your entire afternoon or driving vacation with all your stops in one route
Built-in Maps offer a wealth of detail in millions of points of interest as you travel the 50 United States, Canada and Puerto Rico
With 6 million Points of Interest (POI) on-board, you can easily find gas stations, restaurants, hotels, ATMs and hundreds of other businesses and services within the US and Canada
With its Birds-eye view, clearly see your surroundings in 2D or 3D
SmartDetour prompts you to route around suddenly slow or stopped freeway traffic and automatically calculates the quickest detour. No fee or subscription required
Never miss a turn with Auto Re-route you can quickly get back on track whenever you take a detour
With Auto NightView, color and contrast adjusts automatically for easy viewing at night
Enjoy Customizable Routes by fastest time, shortest distance, least or most use of freeways and avoid toll roads
Get there from here with Magellans terrific Address Book create and store personal points of interest and skip repeated address entry
External Audio/Video Input allows you to use your WVGA screen for the Magellan Wireless Back-up Camera (not included)
Shipping Note: Eligible for shipping to all 50 statesWarranty: 1 Year Magellan
Authorized for SquareTrade Extended Warranty
woot! Coupons
Complimentary $2000 VIPgold pass to Cloud Expo (NYC)
Added on : Monday June 03rd 2013 02:00:02 PM
Hello xx,
We're delighted that you have redeemed, via the special Coupon Code, one of the complimentary Golden Passes to this event, which is a major benefit of being one of the 12th Cloud Expo |Cloud Expo New Yorks valued Partner.It occurred to me though that you might have colleagues who for some reason don't yet know about this offer or this Coupon Code providing complimentary entry.In which case, I wonder if I might ask you to "spread the good word" and tell anyone who'll listen that all they need to do to come to 12th Cloud Expo |Cloud Expo New York gratis and for nothing is to follow these easy steps:
1. Go to our special registration page - http://register.cloudcomputingexpo.com
2. Fill out the Attendee Information form
3. Select the VIP Gold Pass Registration Option
4. Enter the Discount Code ▸ cloudexpoVIPgold
5. Abracadabra! The price will re-set from $2,000 to $0 whats not to like?Anyone following these easy steps will secure for themselves a complimentary Golden Pass for the entire event, valid for all four days - one that gives full access to all 150+ sessions across 9 tracks, including all Keynotes, General Sessions, Discussion Panels, and Technical Breakout Sessions...everything that a fully paid $2,000 Gold Pass brings, in fact, with the sole exception of Luncheon, Cloud Computing Bootcamp, Cloud Essentials, and Virtualization Essentials.I look forward to greeting you personally -- and the dozens of colleagues you may choose to send this email on to!! -- in New York City!The Cloud Expo Team
Lowes or Itunes $50 giftcard for $45 @ Michaels Arts & Crafts BM(Brick & Mortar only)
No other purchase needed. Valid 6/2-6/15 for fathers day.Limit 4 per transaction per day....Hot deal is this is in essence 10% off and could be stacked with the 10% movers coupon for Lowes making a regular priced item 19% off! Not as hot as last year but better than nothing and still not as limited as many other gift card deals.I'm not certain about the mover's coupon on sale items, but the gift cards would work on sale items, Clearance, Marked Down items as they are a payment, not a discount.Hope you all find this helpful again this year, I've loved shopping at Lowes all year long with my original 20% off cards.Notes:

Bring a friend to buy more than 4 Multiple stores a day and different shift times help buy more as well.
If you don't see any left on the display in the store, Kindly ask the manager on duty to look inside the display to see if there are any more Lowes Cards inside of it.
Only the $50 cards are on sale.
No you cannot use a Michaels Coupon on a gift card.
Upon further review from last years deal, if you can pick up cards from other retailers you may purchase and activate them at michaels. I would suggest asking management from the store you are taking them from instead of just picking them up...


Bulk gift cards are generally sold from the original retailer/brand (in this case, Lowe's via a third party card issuer) to outside retail store (Michael's) at less than face value. That's why Michael's is willing to sell you a $50 value Lowe's gift card for $50 -- they probably pay Lowe's $47 (I made this figure up, but you get the idea), the $3 they keep is to pay for shelf space, operations (staff, cash registers and backroom infrastructure to handle card activation), third party service for card shipment and activation, and of course, a small profit. The original brand (Lowe's) allows this because this promoted their business and locks the spending to their store. GC from reward and credit card mile exchange is the same story. iTunes GC are often sold at below face value too during (pre-arranged) promotions.

That's why as a rule, you can't buy GC or other cash-value items (say, general-use prepaid card, paying off credit card balance) with another GC, as the retailer (ToysRUs) will end up losing money (GC was paid with less than face value, physical card and processing costs), and losing business to another retailer (Amazon). Apparently, some retailers (ToysRUs and safeway as mentioned above) do allow this but I guess that's the exception (and very bad business policy in the stores' point of view). Some retailers I know do not accept GC as payment for stamps and pre-valued phone/mass transit/parking cards neither. Of course, there's always the "This card is not redeemable for cash" / "No cash or credit back" / "Cash value 0.001cent" clause.

The card issuer is mostly likely a third party who handles shipping the physical gift cards and activation/balances for different brands, as no retailer would want to deal with 100+ different brands of gift card and different card systems. The issuer takes a small cut from physical card distribution and possibly handling card balances (including on-line and 800# balance check and customer service staff etc).

In short: GC is not cash. But congratulations if you manage to convert it into another GC/
Is anyone familiar with bringing a product to market?
Added on : Saturday June 01st 2013 05:00:04 PM
Out of a small business I recently started, another one has been born. I was in need of a tool to perform a special function for a type of jewelry making. The couple of homemade jobbies I found on the internet didn't fulfill my needs and intensely fall short for what they are designed to do. I took the idea to my father and through some trial and error he invented a really amazing tool. There is nothing on the market even close to what he's invented. I've introduced it in several markets, eBay, Amazon, Etsy, YouTube and initial sales are looking promising. He's building the tool and I'm doing all the marketing, promotion, shipping, etc.

I did consider patenting it, but here's the issue. My father will be 83 shortly. I know the patent process is expensive and can take a long time. I really wanted my father to see the fruits of his labor while he's still alive, which is why I took it to market myself. Secondly, I am facing this issue... If this product sells as I anticipate that it will, my father won't be able to keep up with the production. He has health issues and he can only work so hard. His mind is sharp as a tack, but the body is giving out. He lives 70 miles from me and there are no other family members in their area to be able to assist him with production.Is there a way to sell the product to a manufacturer? Does anyone have any suggestions on how I can best monetize this that would be in the best interest of my father? Can I protect his interests here as well?I'm really lost in this arena as I've never invented anything before or known anyone that did and took it to market.
Associated Bank Visa another "upgrade"
Added on : Saturday June 01st 2013 02:00:03 PM
I had the old terrific 5% CashBack everyday spending visa rewards card. Then it got "upgraded" to a 3% grocery store card capped at ridiculous $2500 or something... I barely touched it after that "upgrade". Now another automatic "upgrade" came in the mail... It became the "bonus rewards" card. looks like it's flat 1.25% Cash Back. Oh well, I just activated it to preserve my history. Anyone else here got the same?it seems the only upside of this thing is the rewards can be redeemed for cash. nothing useful to me anyway...I searched and didn't see this "upgrade" mentioned.
Places to read up about building credit
Added on : Friday May 31st 2013 10:00:06 AM
A buddy of mine has zero credit. He ran his credit reports and they came back with nothing. We followed up with a phone call and they looked him up and said he has zero history.Where are some places I can read up about the proper way to build him solid credit.I read http://www.fullofdeals.com/forums/finance/155093/ and I'd really like to get more in depth and find out what specific cards to recommend for him.He's around 26 and owns his own business. This would be for a personal credit card and future car loans, etc.I'd like FWF advice on some quality forums or places to read up on how to start properly.Thanks FWF
Craftsman 13" Tool Bag - $4 - Sears
Added on : Friday May 31st 2013 08:00:02 AM
Craftsman 13" Tool Bag
Item# 00937535000 | Model# 37535
Available online or B&M SearsNormally $9.99
"Hot Buy" price $3.99Free in-store pickup (most locations) if ordered online.
Use this week's $4 SYWR credit to get this for free (plus tax).
Often on sale around $5-6, this is cheap for this tool bag, IMO (especially if it's free)Blatantly Plagiarized Product DescriptionThis 13 in. Tool Bag is Handy Tool Storage
Nothing's more frustrating than reaching for a tool in the middle of a project and find it missing, but with this Craftsman 13 in. tool bag all your small hand and power tools will be at your fingertips. The oversized zipper tops makes tools easy to store and retrieve. Tiny tools and accessories are clearly visible when stored in the sturdy mesh pockets on the outside of the bag.
You can use this 13 in. tool bag for your home or automotive repair tools. Store the compact bag in the garage or hall closet for home repairs and improvement projects. You can also keep the smaller bag in the car or truck to hold the tools and accessories you need for highway emergencies and simple automotive repairs on the road. The bag is supple and strong, constructed from heavy duty flexible material that takes up less space than bags made from stiff materials.
* The Craftsman 13 in. tool bag is a great gift for all ages of handymen and handywomen
* Accommodates all types of hand tools and small power tools
* Extra strong zippers and materials won't tear or rip when exposed to sharp edges or pointed ends
* Large openings let you see all the contents of the bags instead of groping in darkness for familiar shapes
* Mesh pockets are perfect for storing small items such as tapes and fasteners
* Bag colors vary by store
* Super strong construction ensure years of use without rips or tears
* Weighs only 1.6 lbs
American Express Prepaid 6000 customer Cards Debited by Greendot,
Added on : Thursday May 30th 2013 08:00:13 AM
My American Express Prepaid Card which I load using Greendot Moneypak purchased at WalMart was debited of my entire balance of $273.74 on 5/22/13.
No notice received explaining why from American Express Prepaid.
Contacted American Express Prespaid customer service twice and escalated to supervisors and no solution provided
They keep telling me that there is nothing they can do about it, that greendot debited 6000 customers for over credit. My account was never credited double at any time.
American Express is washing their hands on this matter, refusing to dispute customers like meDoes anyone have a recourse for me or the other 6000 American Express Prepaid customers that were debited in error?
Acer Aspire V5-571P-6407 15.6" Touch Screen Laptop for $499.90 + free shippingReg : $729.90
Save: - $86.00
Now: $643.90
Instant Savings: - $44.00
Rebate : - $100.00http://www.staples.com/Acer-Aspire-V5-571P-6407-156-Touch-Screen...3rd Generation Intel Core 1.9GHz 3MB L3 i3-3227U Cache Processor
6144MB DDR3 Dual-Channel Memory
500GB 5400RPM SATA Hard Drive
15.6" HD Widescreen CineCrystal LED-backlit Display
Windows 8 Finally, a light and lean computing machine with touch: the Aspire V5 Series Notebook. At only 1" slim and super light, this Notebook packs potent power and graphics and even features an optical drive and handy LAN/VGA combo port, while integrating a touchscreen for exciting hands on navigation. The elegant design sports silky surfacesand takes full advantage of the touch capabilities of Windows 8 so you can experience efficiency hands-on as you open and close programs, browse online, and breeze through photo albumsusing nothing butyour fingers.
Staples Coupons
http://www.budsgunshop.com/catalog/product_info.php/products_id/...I just got back from Alaska last week I saw one gun just like this in a store, I was told it was a bear gun ( Just In Case ) Description:
In 2003 the gunsmiths and engineers at Smith & Wesson wanted to deliver maximum power for serious handgun hunters. The power they sought required an entirely new frame, the massive "X-Frame" and was the basis for the Model S&W500, the most powerful production revolver in the world. This ushered in the era of the "big gun" and was only the beginning. For ultimate power and velocity there's nothing even close to an X-Frame model handgun.
Model: 163500
Bud's Item Number: 26652
UPC: 022188635003
Nothing tops one of these for frying a whole pound of bacon in an even nicely browned & crispy way. Or for pancakes of course. If you're buying something else on Macys.com, definitely toss this in!A sleek, convenient griddle that can do it all. It features a powerful 1500-watt system and an enormous 10.5" x 20.5" cooking surface that can cook an entire family's meal. The DiamondCoat nonstick coating provides nonstick cooking and easy cleaning. The built-in slope and backstop ledge help drain grease from the food to help you make a healthier meal. Two-year limited warranty. Model 07030.
Fully immersible for cleaning
Slide-out drip tray
Measures 13.06" x 23.69" x 3.31"  LINK
Macy's Coupons
GUNS, Smith & Wesson 500 .500 Mag 8-3/8" - $1000 shipped @ BUDS
Added on : Sunday May 26th 2013 06:00:02 PM
http://www.budsgunshop.com/catalog/product_info.php/products_id/...I just got back from Alaska last week I saw one gun just like this in a store, I was told it was a bear gun ( Just In Case ) Description:
In 2003 the gunsmiths and engineers at Smith & Wesson wanted to deliver maximum power for serious handgun hunters. The power they sought required an entirely new frame, the massive "X-Frame" and was the basis for the Model S&W500, the most powerful production revolver in the world. This ushered in the era of the "big gun" and was only the beginning. For ultimate power and velocity there's nothing even close to an X-Frame model handgun.
Model: 163500
Bud's Item Number: 26652
UPC: 022188635003
Send a free postcard from Sunski
Added on : Sunday May 26th 2013 04:00:05 PM
http://www.sunskis.com/send_me_a_postcard.htmlHave a friend living in a far away place? Want to send a pretty picture to Mom? We've got you covered. We'll send an awesome postcard anywhere in the United States to anyone you like, for free! Just enter the recipient's mailing information, a short message (if you like), and voila! We ship a lot of stuff around here, and we like snail mail, so this was an obvious feature we couldn't resist. There's nothing like getting something in the mail.
Drazil Kids Tea is $4 off on Amazon
Added on : Sunday May 26th 2013 01:00:06 PM
Drazil Kids Tea is offering $4 off their line of kids tea boxes. Drazil is a great way to ensure your kids get 100% of their Vitamin C, plus the natural antioxidants of herbal tea, with no added sugars and nothing artificial! Naturally caffeine free and 45% juice. Juice Flavors: http://www.amazon.com/gp/coupon/drazil-kids-tea/A36AMLEOO9SSM0 Variety Pack: http://www.amazon.com/gp/coupon/drazil-variety-pack/A2CC8XYZ4O87...
I've just started a mortgage closing related business which needs tons of legal size paper. Was in Linden NJ Sam's Club yesterday and they had hundreds of cases (5 reams/case) of 8.5" x 14" legal size 92bright 20lb "copy" paper stacked up for $14.81/case. It is item #994375. The brand is "Image Plus." I haven't been able to find anything close to that price ($2.96/ream) for LEGAL size paper anywhere. I was told since the price ended in .81 it is clearance so as always with any deal YMMV. Plenty of letter size stuff out there cheap but if you need legal size it this is a good deal. The reason I keep highlighting LEGAL SIZE is because I am waiting for folks to tell me they get a better deal on letter size paper which has nothing to do with this deal.
Sams Club Coupons
Citi Forward Visa Signature and EMV Chip An Either/Or Situation?
Added on : Saturday May 25th 2013 09:00:04 PM
I have had a Visa Signature Citi Forward card for a couple of years now and have used some of the Signature benefits such as the concierge and some of the special offers. Recently, I saw where Citi was issuing EMV chip enabled cards, so I requested a chip enabled replacement card through the online system. When I received the card, I noticed that it was an ordinary Visa, and not a Signature. I called in and talked to an account manager who said that nothing had changed on my account and that it should still be a Signature. I wasn't exactly sold, so I called the Signature concierge line and they confirmed that it was no longer showing up in their system as a Signature card.I called Citi back and spoke to a front-line representative who said that I could have either a Visa Signature card or a standard Visa chip enabled card, but not both. I said that that was crazy, and asked what was preventing me from having both? After that, she transferred me to an account manager who assured me that I could have both and sent a new card overnight.I received the new card at the end of last week and indeed it was a chip enabled card that said Visa Signature. Still a little skeptical, I called the concierge line and they once again told me that it was not showing up on their system as a Signature account. I called and spoke to yet another account manager who told me to just wait a few days for the systems to update. That sounded reasonable, so I did. The card, however, is still not showing as a Signature on Visa's side (I have been using https://visa.clearme.com/signature# to verify instead of calling into concierge every day - It does work with my other Signature cards Note:I have no affiliation with this company, it was just the only way I found to verify Signature status online).My question is, has anyone else had a Citi Visa Signature account that has reverted to a regular Visa account after requesting an EMV chip enabled card? Also, is there anybody that does have a chip enabled Signature Forward card? I do have other chip enabled cards and other Visa Signature cards, so it is not terribly important, but the whole situation just seemed very odd to me. Also, I wanted to make sure I had the added Visa Signature protections before I used my card for the promotional 5% travel bonus. I know many here are not that thrilled with the Signature benefits/services, but some of them have been very helpful to me. (Note:I also posted this on another site, I hope that is ok)
To sell my house or become landlord
Added on : Friday May 24th 2013 09:00:12 AM
I have plenty of reading and learning to do but in the meantime I want to also ask the people in this forum that have helped so many people. I'll try to keep this short without sparing details.I own a house in the central valley, CA. Mortgage 145k remaining, 4.5% fha, almost 3 years in, still paying pmi. Looking at recent comps value is around 220k. I recently put a new roof, tiled kitchen/bathrooms, painted exterior, and other stuff not as important. Nothing really needs work except the backyard is a mess. Going to start that soon.I am either going to sell the house or rent it. I'd like to sell to have one less thing to worry about, but the house is going up in value really fast due to no homes available for sale in the area. I am not putting faith in Zillow, but they show my zip code as going up 19% in the next year. I feel it would be a terrible idea to sell now but my commute to the bay area is killing me. The rent would be about $1300, mortgage is $1050, so I would expect to come out even after extra income tax and mortgage interest deduction. Am I about to become a landlord? Are there any other details I should be considering?I appreciate the users on this forum and the help they've given over the years I've read posts, I wouldn't be anywhere near as financially smart without you.
What to do with property in Florida?
Added on : Friday May 24th 2013 01:00:05 AM
All,My father bought a plot of land in Vero Beach Florida in the 60's. He passed away about a decade ago and left to me. It's around 7 miles from the beach, so not ultra-close but not too far. I've been sitting on the property (which is basically just three smaller lots combined to make one bigger lot, which in turn looks like any woods near your house in the middle of a mix of houses and plots of land with similar overgrowth.) All I really pay is taxes on it.My questions are:
1) What would you do? At the peak of the market I received an offer for 100k - that ship has sailed. Taxes have dropped like a stone and you can guess why. Do you sell it at the lower price or wait?
2) Anyone with personal knowledge of this area? Is it an up and comer or bound to always be a sleepy little beach community. I visited around the time my dad died and nothing knocked my socks off about the town, but perhaps it's changed?
3) If I keep, any thoughts about putting an inexpensive house on it? And what is the upkeep with that? Sounds like it could be more of a hassle than its worth.Thanks!
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I know it's silly .But i really hate BOA now
Added on : Wednesday May 22nd 2013 04:00:13 PM
On other post BOA closed my Fieldity credit card and my oldest credit card -----------Bank of America. I've trying to do many thing ,but nothing is going to work ,SO i called BOA ask they fax number ,I take picture of my poo ,and faxed the pictures to BOA ,There is nothing i can do now .I just hope BOA added me to the black list ,Don't even do business with me .and i wrote on the paper "Eat my shit .BOA"
I have a spare regular checking with B of A. I was charged a $14 monthly maintenance fee last month even though my minimum balance was over $1,500 (it was over $1,800 with only one small transaction last month). I re-checked their personal schedule of fees to make sure nothing changed about their fees in California. Nothing has.I call up customer service and told the representative I don't understand the fee. He then reads off the ways I can avoid the fee:To avoid the monthly maintenance fee, meet one of the following balance requirements during
each statement cycle:
Minimum daily balance in checking $1,500 or more
Minimum daily balance in linked Regular Savings $2,000 or more
Minimum daily balance in linked money market savings $5,000 or more
Average daily balanceI told him to just stop as I met the first qualification. He then reads the fees again to me. I said what's the problem. He says he's telling me how to avoid the fee in the future. I told him it didn't work in the past. I finally got through to him when I said, "The last time I checked, $1,800 is more than $1,500. Did anything change?"He finally got the point. He credited my $14 back. I told him to make sure this doesn't happen in the future. This is comical. I'll check next month to see if the fee isn't there. If not, I'll call back with some math lessons for B of A.
Need Advice on Running a Law Firm while Employed
Added on : Monday May 20th 2013 06:00:04 AM
Note: I'm an old time FWer since 2000. Created a new account to protect my privacy. Here is my situation:I recently received my license to practice law after working many years as an IT consultant. I currently work for a company that has nothing to do with the legal industry, and I enjoy my work and it pays well, so I don't planning on quitting. However I do want to establish a solo law practice on the side for extra income, and perhaps later devote fulltime to it once I get more business. My questions are mainly tax related since this is not my area of expertise. 1. Are there any tax benefits setting the business as an LLC from the get-go? Pros and cons?2. I foresee for the first few years I will be in the negative with more expenses than income, especially after hiring a paralegal. Can I offset my income from the day job against the business expenses incurred by the practice under the LLC setting? Thanks!
Angie's List: a Colossal Scam?
Added on : Sunday May 19th 2013 07:00:05 AM
I hope this is the right forum for this type of a post.I just want to post on my experience of using Angie's List, and what I have learned.In summary, I believe that unlike what is advertized, Angie's List is not a Consumer Friendly Review Site. It operates a rather sophisticated marketing machinery, and primarily is a paid Yellow Pages type service, using internet and direct mail as marketing channels, while disguising itself as a consumer friendly website.First, my experiences.On three different occasions, in three different metropolitan areas (Minneapolis / St Paul, MN; Indianapolis, IN; and Norther NJ, NJ / NY), I signed up for Angie's List. In all three cases I was looking for local business reviews, and each case, a google link from Angie's List was at the top, advertizing (falsely, as I will find out) that Angie's List has reviews on the local business. The businesses searched were: (a) gutter cleaner and mold cleaner, (b) kitchen contractor, and (c) mortgage broker.In each of the three cases, based Angie's List claim that they had reviews for a specific contractor, I signed up, paying for the 1-month fee only, in order to have access to the full website. In all three cases, it turned out, that they did not have ANY reviews for the specific contractor, despite advertizing so earlier. Bait and switch? You decide.Having already paid for the monthly service in the first two cases using a one-time credit card, I simply let the memberships expire. However, both during membership, and after membership, Angie's List relentlessly spammed my (already-spammed) e-mail account, sending tons of unsolicited ads from various businesses I had no interest in dealing with. In the first two cases (Minneapolis and Indianapolis), I had signed up for relatives (I myself live in NY / NJ). In the third case, I signed up with my own address.In the third case, I had to make a phone call to cancel. I canceled within about 20 days of signing up. First of all, cancelation was not easy. Second, they did not extend the courtesy of refunding the entire amount, but rather, only pro-rated for the remainder of the month, even though I explain that I got ZERO value from them. And third, after I told them that I firmly believed that they had done a bait-and-switch for the third time, they had nothing to say.About a month after canceling the third service, I received a paper brochure from Angies, "Angies List New York City and New Jersey Edition, May 2013", which is basically a collection of unsolicited advertizing.There are basically 2-3 completely USELESS "articles", and then after that, we have page, after page, after page of relentless advertizing from local businesses I have ZERO interest in. You want some examples? Here we go:- Laser Skin Rejuvenation from Dr Glenn K* of T* F*, NJ,
- Implants and Dentures from Dr. Edgar A*, DMD, of some town in Middlesex County, more than 50 miles away,
- tons of kitchen remodel advertizements (I have a brand new one),
- tons of painter advertizement (I don't need painting),
etc.So my conclusion is as follows: Angie's List is a sort of a new Age Yellow Pages / Useless Entertainment Book coupon, but CHARGING consumers anywhere from single digit to double digit dollars per month, while claiming to be a consumer focused business review / referal system.I thought this would be useful for FWF community to know, given how much house maintenance / repair, mortgage broker discussion topics we have.
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I posted in another thread about my job situation, and that I will have to relocate in 12-18 months. My GF and own a house and decided to put it up on the market, not knowing how it was going to go. We ended up accepting an offer 3 weeks in. Inspections are done and we are set to close in 2 weeks. We rented a place down the street, same neighborhood, signed a 1 year lease on the house.The house has a pool, and we know that we are paying a premium for that. Rent is 1350. Comparable house without a pool would be in the 1000 range. We signed the lease on May 1st. The lease states that pool service and pest control is included in the rent. When we did a walk through (I took very thorough pictures/videos) - the property had a few issues (patio screen panel missing, place was dusty as hell, disposal did not work, mold on patio floor, grass/weeds in back yard waist high, etc.), but I saw the pool guy working on the pool, plumber on the disposal, so I thought the landlord would make the place safe/functional within a few days of moving in. Suffice to say, the place was a pig stein when we moved in. Whatever, we cleaned it up, did the yard, etc Today marks 2 weeks, and the pool is still not safe to go in (per the pool guy.) We have a 10 month old so we take this very very seriously. There is black mold in the pool. The pool guy has come every 3-4 days to add chemicals and try to clean it up, but it's not getting better. I spoke with the pool guy and he said the pool needs to be refinished, as the concrete is coming through the top layer/finish of the pool. He says the black mold will keep coming back until it's refinished. Chemicals to kill the black mold will have to keep getting added to the pool, several times a month. Each time they are added, can't go in for 2-3 days.I have sent e-mails to the landlord, and have not been satisfied with the answer. LL says water is just murky and will clear up in a few days did not mention the repairs/cleaning I sent another email with thorough pictures of the mold, broken screen, and pool, and have heard nothing back for 4 days now. I told her we are not those tenants but we are aware that we are paying a premium for this place and that I want to have the place safe and functioning for my family.I am paying for this pump to run 12+ hours a day (needs to run more to clear water up), a premium in rent, and cant even use the pool.
Do I not pay all the rent until issues are fixed? Do I hire my own people to fix it and deduct from rent? Do I take off a fair amount for the pool? $250/$350? - Thoughts?Oh and to top it off, the place is missing smoke detectors. Only 1 is present in a 2200ft house. Others are missing (you can see where they used to be in the ceiling, but they are missing). I know they are cheap and I can get one, but thats not the point. I believe thats even against the law in FL not to have sufficient smoke detectors in a rental.Basically, hope I'm not stuck with a Slum Lord... And if I am, need to protect myself/plan on how to take action when needed.
Point me in the right direction!!
Added on : Monday May 13th 2013 05:00:08 PM
So I'm looking for some advice from people that know more about finances than myself because given my situation I know nothing. I'm 30 years old and recently filed for chapter 7. Hopefully in 6 weeks I'll have a full discharge and at that time I'll have 0 debt. I own a 5 year old car fully paid off. I rent a house with roomates. For retirement I have a company profit share that gives me about 4k per year put into a vanguard account. since my 341 hearing I started a savings account putting 10% of my paychecks in every week. Basically I'm interested in hearing what people would recommend I do with my money.
My monthly bills total about. 1400$ which includes monthly bills, food, gas. I take home anywhere from 2200-3000 per month based on overtime worked. so 800 to 1600 extra money. I'm single, no kids. What would ya'll do with a fresh start!?!?
I read this (below)and want to know... Is that even possible. Can they just dissolve my shares and give me nothing at all for them during the merger? I'm an ordinary shareholder and don't understand this language."Upon acquisition, four things can happen to the acquiree's shares:
1) conversion to cash
2) conversion to stock (almost universally the acquirer's, but not always)
3) conversion to cash and stock
4) no conversion"
Cheap Reconditioned (Like new) Vitamix Blenders + Free Shipping
Added on : Monday May 13th 2013 05:00:11 AM
I've been looking for a good deal on Vitamix blenders for a bit and it seems their reconditioned models are the best deals right now with a free shipping code. Their reconditioned models are actually a pretty good value it seems because they come with a 5 yr warranty and can be upgraded to 8 years for $75 and you can save hundreds depending on the model you get for reconditioned over new.Use code 06-008426 at checkout to get free standard shipping (They charge $25 for shipping so its a decent savings)The ModelsThe 7500 (also known as the Pro 300) is the new model that they released last year with the shorter/wider pitcher, longer blades, and more powerful/quieter motor. Sells for $529 new.
https://secure.vitamix.com/Certified-Reconditioned-Next-Generati... ($399)The 6300 (aka Pro 500) has been around a bit longer and is the same as the older machines except it has preset modes. Vitamix is selling it for $649 new, although Costco sometimes has it for $500.
https://secure.vitamix.com/Certified-Reconditioned-Standard-Prog... ($379)The 5200 (Pro 200) is the standard model and has been around for awhile. It is same as the 6300 except it doesn't have preset modes. Sells for about $449 new.
https://secure.vitamix.com/Certified-Reconditioned-Standard.aspx ($329)If you're confused about all the different Vitamix models, check out this page:
http://joyofblending.com/which-vitamix-to-buy/If you have an old Vitamix, they'll give you $100 for it with their trade in program:
https://secure.vitamix.com/Trade-In-Program.aspxFor those of you who arent familiar, Vitamix's are the best blenders out there. My friend has one and in all honesty I find nothing compares to them when it comes to what they can do and how smooth they make smoothies and drinks. This is the blender professional chefs and restaurants use. This thing can heat up soups, make ice cream or sorbert, frozen drinks, smoothies, and green shakes (with raw veggies and fruit) and a ton of other things and are built to last over a decade.
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Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
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Legal issue from business investment - do I have any options?
Added on : Saturday May 11th 2013 01:00:03 PM
I owned a business, had an office, employees, etc. I did this for 8 years. I was good to my employees and business was good while it lasted.We hired a person about 2 years before closing - an older mature gentleman - to do IT work for us, who was also working on his own business but needed some part-time work to supplement his income. We became fast friends because of our common interests.He asked me to invest in his business several times; I politely declined. His business was exploding at the time...he needed help. I thought he was a great guy, felt bad for his limited resources and would offer him lots of good advice but felt uneasy about giving up cash since I needed it for my own business.At one point, my business was slowing down and his was gaining a lot of momentum. He came to me with a different idea...to share a FT employee with me so I could keep her and she could stay busy and, in exchange, I would get an equity stake in his business. He also agreed to a 24-month buyout clause because I was nervous about the state of affairs in my business. We drew up a contract and were good to go. I was happy that everyone was happy. Things went pretty well and I made sure we had lots of emails and a contract to protect us both. The buyout clause stated that, if at anytime during the 24 months, I wanted out of the investment, he would pay me a lump-sum amount for every month the resource was provided.Things steadily got slower with my business and 12 months after the contract was signed, I decided to close on my business. It was tough. I had to layoff employees, clean up the office, get rid of supplies and equipment. As part of this, I told him I wanted out of the contract which resulted in a buyout payment to me of $40k. I felt bad that I was abandoning him, but I hung in there as long as I could.Keep in mind, his business is probably worth about $5m today but I still want nothing to do with it. As it was starting to grow for him and money became big, he changed and things were stressful. I decided I would just rather bail and say "good riddance" to him.After telling him I wanted out, 30 days later he still hadn't said anything about re-payment, so I sent a follow-up email. He flipped out, ugly words were said and he came up with many reasons why he should not pay back the full value of the contract.Now, he had provided a laundry list of "expenses" that I owe to the tune of $4,000 and he tells me he's not going to pay me a dime until "we" agree on the matters. These "expenses" include his time in getting his belongings from our office after we closed the business (he valued himself at $50/hour and said it resulted in 12 hours of work) and reimbursement for a $100 gift card (with a greeting card) that he gave to me for helping him out of a tough situation.The amount is too big for small claims. Unless I agree to the $36,000, he will not pay me a dime. His expenses are frivolous and wouldn't hold up in small claims court. Can I somehow agree to his demands, but then sue him after I have the $36k in hand? Otherwise, I think i will have to get an attorney and that is going to be costly.I spent a lot trying to close my business and liquidate everyhing and have limited funds these days, so this is causing a lot of stress.8 years and I never needed one and now this. What a bummer!!!Isn't what he's doing blackmail? If I don't agree to his demands, he won't pay me anything? I'm assuming if I verbally agree, he is going to want something signed with me stating I won't sue him.
Hooters Free Meal ($10 or less) For Mom, Mom's Day
Added on : Saturday May 11th 2013 08:00:02 AM
http://www.hooters.com/Home/Default.aspx#Because nothing says I love you Mom like a night out at hooters...
fha 203k or conventional home loan?
Added on : Friday May 10th 2013 11:01:15 AM
Looking at foreclosed houses in need of a little repair (need roof, maybe siding, nothing inside the house), the issue of financing comes up.FHA has a higher interest rate, not exactly sure how much but doesn't require too much to qualify. Repairs have to be done by a licensed contractor. Conventional, higher requirements and you can do as you wish.I think I have those right.So my question is whether its ever better to go with the 203k loan over conventional? I want more opinions than just the guy at the bank.
First used car purchase
Added on : Wednesday May 08th 2013 04:01:25 AM
So, back in this thread I asked a few questions about buying a new vehicle versus a used one, particularly when considering lower-tier models. Specifically, I'm looking to get a Toyota Tacoma (base package) preferably with a manual transmission. Nothing fancy, just something that I can use to scoot around town with and haul the occasional stuff.So, I've found a model that's local, used, low mileage and meets the criteria for the package I'm looking for. The only hangup I have now is price.The model in question is a 2010 base trim with manual transmission and approximately 22k miles on it. The dealer is asking $14,988 (call it $15k) but I'm sure that I could get away with less. The question is: how much less? I can get a brand new model through PenFed's car buying service for just over $16k, so there must be some wiggle room here.I've already done some legwork regarding price research:
BlackBook lists trade-in value at between $8,600-$12,000
KBB recommends $13,800 for private sale and $15,780 for dealer sale
Edmunds recommends $13,400 for private sale and $14,500 for dealer sale

The price they're asking seems to be in line with "recommended" pricing, and comparable sales in the area seem to align with this as well. I'm thinking I'd like to pay no more than $12,750 which is about 85% of what they're asking, but this number is pretty arbitrary - I have no history of buying used cars, and have no "feel" for the intrinsic value of a vehicle.So, the question: Does this sound like a "fair" target price? I know the worst they can do is say "no" but let's be honest - I wouldn't be going down this road if I didn't actually want to get to the other side with a new (to me) vehicle without overpaying.
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The Magellan exclusive built-in AAA TourBook provides ratings and descriptions of AAA-approved places to stay, play, dine and more
Should you need Roadside Assistance, you can get help right away as an AAA member your navigator will display the phone number and your location. Visit www.AAA.com/GPS for more information
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My wife and I have a Chase Freedom card, for which we are joint account holders (both excellent credit, steady income, etc). It was originally my card before we met and we added her to it, first as a authorized user, and after we married, as a joint account holder.Today, she received a letter from chase (specifically, the "correspondence department") asking if she would like to be changed from a joint account holder to an authorized user. It asked for both her and I to sign to make that change, or just to do nothing if we wanted to leave it the same. The letter had both her name and mine pre-printed and knew that we were joint holders, and otherwise appeared legitimate. Has anyone else gotten a letter like this from Chase or anyone else? Why would they send such a letter unprompted? She was just as confused and surprised as I was about the letter.
Help Buying a Car with Lasting Curb Appeal
Added on : Tuesday May 07th 2013 06:03:03 AM
Hi everyone, I'm the type that views cars essentially the same as screwdrivers or any other functional tool. The issue is that my industry is highly image-conscious, and driving around in a compact is seen about the same as greeting the client in shorts, flip-flops, and a Hawaiian shirt. So with this in mind my next car purchase is going to be something that satisfies people's perception of status.The most obvious solution would probably be a BMW five or seven series, or equivalent Mercedes. But the truth is I dislike luxury cars so much that I'd hate myself for going through with it. So I'm thinking of going another route and either purchasing a car that costs less but has high perceived value, a.k.a. a nice-looking Hyundai with the badges taken off. OR a car that's a few years older but has an appeal to it that stands the test of time. Nothing too old though.Hopefully the car guys in the room can point me in the right direction. What would you recommend for me?Thank you for your advice
Dispute charge with crown redone for tooth implant
Added on : Monday May 06th 2013 05:01:24 PM
I did a tooth implant last year for about $3,500, and I paid about $1,200 out of my own pocket, with the rest paid by my insurance. However, the crown fractured last October, and I swallowed the broken crown when eating crouton salad. My dentist got the smaller part of the fracture that remained on the abutment. They reordered the crown and installed the new crown in this February. I thought the crown replacement should be free, but to my surprise, I got a bill for it today. They charge about $400 for it. I was wondering how I should dispute the charge with my insurance and/or the dental office. Shouldn't they offer some warranty for their crown, considering it was less than a year? What should I do? I don't want to pay without dispute. I literally want to pay nothing for the new crown.
AOC 20" Wide 1600x900 LED Monitor, VGA, DVI - $89.99
Added on : Monday May 06th 2013 09:20:25 AM
Expect nothing but superior visual performance when you integrate this LED monitor into your system as it delivers amazing visuals with 1600 x 900 res
Restaurant Bill Higher Than Expected.... Chargeback?
Added on : Monday May 06th 2013 04:01:20 AM
So the story is that I was having dinner at a nice place with my family, and the restaurant had been advertising a special menu for Graduation Weekend on social media for a week.The bill came, and it was much larger than the usual price. Apparently, they raised the price for the Graduation Weekend, and neglected to inform me about it, not in their social media adverts, not even when I walked in, no signs, nothing! I paid it on my CC and did not want to fuss over it, since I did not want to break the mood with my family.Now, that is over, do you think this is chargeback time? I'm still very pissed off over the deceptive marketing practices, advertising a special menu for Graduation Weekend, when in reality it was nothing special, and charging me extra for it. At other places, like the restaurant I'm going to to celebrate Mother's Day this week, the higher price is prominently posted on their website.What do fellow FWers think? Let this pass? Take the fight to them?
Leaving My Personal Home to My Daughter
Added on : Friday May 03rd 2013 03:01:33 PM
I've tried to Google it
I own a Townhome that has been rented for quite some time. My DH and I are married and we live in a home and he owns a Condo. Both of those are in his name. The Townhouse is in my name. All of these are paid off. I never really thought of the future until about a year ago and DH had a heart attack and had to have open heart surgery and I insisted he have a will drawn up before the surgery. Because I am his second marriage and he has (had) 3 children (1 has since died) he had the will drawn up where I have the right to live in one of the homes until my death but then they revert to the children. Anyway. I realized I need to do something so that my house goes to my Daughter. From what I have Googled it doesn't look good after the fact, unless you are actually living in the home at least 14 days a year, which is impossible. I will never live in that house again - ever. I don't think she will either. It holds too many bad memories for both of us. I don't want to say I don't trust my DH but I was surprised when he wrote the will that way. That is his right and I have always told him to make sure everything is written out because when my Mother died my Stepfather ended up with everything after they were married for a year. I never wanted that to happen between us. However I never expected to end up being tied down in one place either - if that should happen. But I want to make sure my Daughter is taken care of too. I have no insurance or nothing else to leave her.
Creative Ways to Receive money from oversea
Added on : Friday May 03rd 2013 01:01:15 PM
I have a small export business and have sales of about 15k a month. My two buyer are in India and Costa Rica. Usually they pay using: Paypal (3.9%), Wire ($25 per wire plus $15 incoming fee) or they send ATM card and I pull from local ATM (I pay for all expenses relating to that usually $10 every $500 pull).I am seeking other creative ways to get paid that are lower in fees than what mentioned above. Is anyone in a similar situation? I report all my income to IRS btw so nothing to hide on my end... Though I cannot same the same for my buyers on their end.Thanks for reading.
Update: Salary negotiation at current job
Added on : Thursday May 02nd 2013 05:01:19 PM
I posted previously about my issues getting a raise at work (http://www.fullofdeals.com/forums/finance/1229961/) and I wanted to post an update.After starting to look for a new position, I realized pretty quickly that all the jobs in my field were either entry level or very senior level, there was not much for a junior-to-mid level professional like myself. I got a couple of promising leads through networking that ultimately didn't go anywhere.However, I did recently have a performance review and got a salary increase of about 12%. After subtracting the additional costs of the health care plan, it's about a 5% raise. I still think its less than market rate for my position, but it's nothing to sneeze at. I know my boss had to really go to bat for me to get such a large increase and I'm very thankful for that. The higher base salary will be helpful if I ever do got another job offer (though I've backed off looking for the time being) and I also got approval for some additional training that I think will help me in my present job and boost my resume.Any further advice is welcome.
Suddenly, lottery millions. What then?
Added on : Tuesday April 30th 2013 03:01:16 PM
Hello everyone,Imagine that you win a little under 10,000,000 on the lottery. That's after taxes. What would you do?A stupid question, i know. But what would you advise someone, who has no experience with this kind of amounts at all? We are talking about a serious plan, not all the lottery winners would order a new Lamborghini and ten houses there and then. There are financial planners out there, but is it really to trust someone just like that, especially when he knows that you have a lot of money, but not a lot of knowledge - even though he is independent and is being paid by fee's only?How does it sound, to put everything on a bank for two or three years, so you can get a little knowledge and clear your head in the meantime? I assume that a good financial plan for the future could be put together in that time, with the help of a financial planner? Bank interest must be quite high for that kind of amounts too, so i don't think that there is any need for taking anything away from the original amount. But what bank to put it in? I keep reading about financial crisis, about banks going in bankruptcy or for example recent events in Cyprus, where a bank was apparently taking huge amounts of money away, from the deposits. Which are better to trust, private or state banks? How - if at all - can you secure your money? In my country amounts up to 100,000 are secured, but if nearly ten millions goes down the drain, that is nothing.Let's say that works. What comes after, where would you place the money? I realize that ten millions from the lottery is nowhere near enough to live a life of the millionare, at least not until a person can make that money himself. I know that "winning the lottery" is not something to be known for, i'd much rather be known for running a successful bussines myself, so opening a company and starting out slow and smart is probably the best idea? Especially since your main focus would not be the money, at least not until you became successful, so you could really focus on working good and gaining good reputation - of course that does not mean throwing all the money just in there, more like giving everything that comes from the company back into it and keeping your personal money for yourself.Most of people will probably say "i'd spread it around", but that sounds terrifying. At least for the first year or two, when it's probably the best to just clear your head and let it sink in, before you make any major decisions.Just so there won't be any misunderstanding, i haven't won the lottery myself. I'm just wondering and would appreciate good answers.I will appreciate your help very much.Thank you!
AOC 20" Wide 1600x900 LED Monitor, VGA, DVI - $99.99
Added on : Tuesday April 30th 2013 09:21:34 AM
Expect nothing but superior visual performance when you integrate this LED monitor into your system as it delivers amazing visuals with 1600 x 900 res
Nothing fancy. Select the heirloom rose color. The others colors are $30 approx.Free shipping with roadrunner account or with $150 worth of purchase. Regular shipping $5.95.
For CA came out to $6.52 shipped give or take a few cents with roadrunner.
As of this post, available in size S-XXL.http://www.calvinklein.com/product/index.jsp?productId=20674296Also can be returned to CK stores in case you don't like the color.
Calvin Klein Coupons
Question about Cash Deposits and Sales Tax
Added on : Monday April 29th 2013 08:01:20 PM
straightforward question for you guys:I have an online retail business. I collect sales tax for in-state online purchases as required by state law. My payments come via wire, Amazon payments, paypal, chase quickpay, checks, and cash. I receive cash (dollar bills and certified checks, money orders) in the mail from out of state buyers and I receive direct cash deposits into my bank accounts at out of state branches so buyers can avoid wire fees. I also deposit cash at my local branch as the $$ comes in.I do not operate a physical retail store presence in my state but I am registered as an online business in my state. In other words I don't have a cash register printing receipts and such.My annual in-state (sales tax applicable) sales are around $10,000 so I annually remit approx $600 that I've collected from these buyers(no one wants to pay sales tax so in state buyers shop elsewhere)My annual cash deposits into my business account are around $80,000 to $100,000 --> we're literally talking 20's and hundreds. For reference, my total annual sales are over $1M. So we're talking 10% of sales maybe a little under. I keep my books to the dollar and I report all of this cash as income and pay taxes on it. Do I run the risk of a State Sales Tax audit for having so many cash deposits compared to sales tax collected? There's nothing "funny" about the amount or frequency of deposits. I do not structure or anything, I deposit cash as soon as I get it. Most deposits are 1-3k. and most are made at same branch.Is it advisable for me to stop accepting payments this way? Many customers prefer being able to deposit cash directly into my account vs waiting for checks to clear.
Before you guys ask; no, I'm not cleaning money, and I'm not skimming. I am not worried about a federal income tax audit or even FBI looking into the large cash deposits because this is legit. JUST SALES TAX AUDIT.. I just have concerns about the state thinking I'm holding out on sales tax since I'm registered to collect sales tax on the few in-state sales I do have, so they have access to see that I've got $10k reported sales tax sales vs $1M total sales, then if they dig they'd see $100k cash deposits.. maaybe I am being paranoid.I am not in California.Thanks in advance...
Nothing fancy. Select the heirloom rose color. The others colors are $30 approx.Free shipping with Shop Runner account or with $150 worth of purchase. Regular shipping $5.95.
For CA came out to $6.52 shipped give or take a few cents with Shoprunner.
As of this post, available in size S-XXL.http://www.calvinklein.com/product/index.jsp?productId=20674296Also can be returned to CK stores in case you don't like the color.
Calvin Klein Coupons
New Apple iPad 3 MC707LL/A MD330LL/A 64GB Wi-Fi Black or White Free Smartcover!
Choose your color, Bonus Pink or Cream Smartcover!IPad 3Package includes free bonus Apple smartcover!Pick up the new iPad and suddenly, its clear. Youre actually touching your photos, reading a book, playing the piano. Nothing comes between you and what you love. To make that hands-on experience even better, we made the fundamental elements of iPad better the display, the camera, the wireless connection. All of which makes the new, third-generation iPad capable of so much more than you ever imagined.Retina Display. See everything like never beforeFour times more pixels than iPad 2. Razor-sharp text. Richer colors. The Retina display transforms the entire iPad experience. So everything looks and feels incredibly lifelike and perfectly detailed.
Pixel-perfect performanceThe A5X chip with quad-core graphics drives four times the pixels of iPad 2 yet it delivers the same smoothness and Fluidity iPad is known for. Even with all that extra oomph, the new iPad still gets an amazing 10 hours of battery life.
The iSight camera. Your memories have never been clearerThe new iPad features Apples 5-megapixel iSight camera. Designed with advanced optics, it lets you shoot gorgeous photos and 1080p HD video.
Dictation. Talking is the new typingWrite an email. Send a text. Search the web. Or create a note. And do it all with only your voice. Instead of typing, tap the microphone icon on the keyboard. Then say what you want to say while your iPad listens. Tap Done and, just like that, your spoken words become written words. Dictation also works with third-party apps, so you can do things like update your Facebook status or share a thought on your Twitter feed.
iCloud. Your content. On all your devicesiCloud stores your music, photos, apps, mail, contacts, calendars, documents, and more and wirelessly pushes them to all your devices. So if you buy a song, take a photo, or edit a calendar event on your iPad, iCloud makes sure it appears on your Mac, iPhone, and iPod touch, too. You dont have to do a thing.
US Travel Medical Insurance for Visitors
Added on : Saturday April 27th 2013 06:02:16 PM
Family members who travel to US for a few months stay need an insurance to protect against medical costs for hospital stays. There is no shortage of places one can buy insurance from, but the big question is, who pays at the time of need, or who doesn't?Please pitch in your experience with travel insurance companies and how easy it was to get them to cover charges. I am sure forum members will appreciate specific stories you may have to share.I have seen sites as i m m i h e l_p dot com and their forums, but it appears to be a forum where content may be controlled by an insurance broker i n s u_buy. Please help us all - web search reveals nothing of value. It is as if the complaints have been buried in search engines by reputation companies.
E-Z Up Sierra II Canopy 10x10 - $55 Kmart in store pick up
Added on : Wednesday April 24th 2013 03:00:12 PM
Link to dealUse coupon code KMARTMUST for $5 off $45
Also don't forget 5% CB from FatWallet!! Brings the total down to $52.25
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopy features a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
Rent Vs Buy in AZ (Another thread - 24 yrs old)
Added on : Sunday April 21st 2013 01:01:17 AM
Me: Single 24 year old male looking to purchase first home in AZ.Let me start by saying I've been reading many rent vs. buy threads on this forum. I would appreciate feedback on my specific situation.Finance situation:
ZERO debt (No car payment, credit cards (PIF each month), or student loans - NOTHING) Credit score is about 780.
Salary is $49,300 plus $5,000 yearly bonus at a very stable fortune 500 company. Job security is high (recently promoted). Have a BS in Finance (Please don't bash me about this post).
$25,000 in scottrade account (Index Funds)
$6,000 in roth IRA
$13,300 in 401k
Working on building liquid savings . I know I should have some liquid savings but I simply continue to stock away in my Scottrade account.Currently, my living situation involves renting a room from a friend who owns a house out in Peoria, AZ. I pay $450 rent and half utilities (~$120 ish) which amounts to about $570 total per month. So far, this situation has worked out okay. I'm fine with staying here a little longer, but I want to start thinking of my next move.I've been browsing properties online and the houses in the area I would like to live range from about $130K - $150K, although I would like to stay closer to the $130K range. I'm not looking for a house so much as an investment, but a place to live and make my own. I would like to possibly rent one of the rooms out, however, I am not considering this as an ideal situation just yet. I'm the mechanical type, so a man cave garage is definitely calling my name for my hobbies (cars & quads). I would like to finance this house with a 30 year fixed mortgage, and put as little down as possible (FHA?). I know by not having the 20% down, I'm paying PMI, and that is something I am fine with. I know many people will ask how long I plan on living in this house, truth is, I do not know. I would definitely live in the house for atleat 5-7 years, possibly much longer, I would then look to rent it out or possibly sell it depending on how the market is at that time. However, I've also never lived in an apartment entirely on my own and it's one of this things I sort of want to experience while I'm still young before commiting to home ownership. My fear is if I rent an apartment, interest rates may move against me. Apartments will rent for roughly anywhere from $500 - $750 where I am looking.What do you FWF's think? Should I buy or rent?Thanks.
I apologize if this is a repost. OD usually has the ads up on friday, but there's a first for everything...Office Depot Mobile Credit Card Reader 778-579 $29.99 before rebate
never tried this before, but we'll seeTriple ink rewards on recycling with purchas of $50 in HP ink**Limit 5 recycled ink cartridges per customer.
Cartridges must be recycled in the same transaction as the HP ink purchase.$25 GC with purchase of Keurig B145 #136-557 $129.99 along with 10% off all k-cups
nothing much else to me, but if others see things they consider a deal, please feel free to mention it in the thread. Thank you for reading.
Office Depot Coupons
When oversharing online can get you arrested
Added on : Thursday April 18th 2013 08:01:17 PM
Interesting read. Especially for the FW HH's. Nothing like hanging out a neon sign saying audit me. http://www.cnn.com/2013/04/18/tech/social-media/online-overshari...
27" IPS-G Pro LED Monitor $474.17 Pre-Order at Monoprice
Added on : Wednesday April 17th 2013 09:00:04 AM
Just got an email from Monoprice. They have a 27" IPS LED Monitor for $474.17 pre-order.Link to MonopriceDetails:
27" IPS-G Pro LED Monitor WQHD 2560x1440- 440cd/m2 - HDMI / DVI / VGA / DisplayPort w/Built in Speakers Total perfection may be elusive, but you can get pretty close with this 27" IPS-G Pro LED Monitor from Monoprice! This display has so much going for it, it's hard to know where to begin! Probably the best place is the display panel itself. This is a Grade A-1 panel, which means no image defects are allowed. That means no backlight bleed, no dead pixels, no focus issues at the edge, nothing wrong at all. The panel features brightness rating of 440 cd/m, which is more than 15% brighter than most comparable displays. Rather than exposing the panel to the elements, protected only by thin coating, this panel features a glossy glass laminate with an antiglare coating. The glass extends out almost to the edge of the bezel, presenting a nice, clean appearance. This 16:9 display is capable of a maximum resolution of 2560x1440 and features Dual Link DVI-D, HDMI, VGA, and DisplayPort video inputs. It supports stereo audio input, as well as audio from the HDMI connection, and includes a pair of 2 watt speakers. It boasts an ultra-wide 178 viewing angle in both the horizontal and vertical planes and a 0.2331mm pixel size. It includes a removable stand and has a 100x100 VESA mounting holes for use with desk or wall mounts.
Monoprice Coupons
I almost don't want to post this because I know they'll sell out quick - and I want to buy more! Precision Time is having blowout prices on many of their house brand watches. I own several myself, and can testify that these are not cheap watches - they use quality movements. Here's a really nice Men's watch for $10 and it includes shipping!http://precisiontimeco.com/rt35005or a Diver's watch with a sapphire crystal and a ceramic case for $25? What???http://precisiontimeco.com/sm70011-bI don't know if these are pricing mistakes, they did just change their website. Either way, you got nothing to lose - check them out!If these prices weren't crazy enough, if you sign up for their newsletter they send you a coupon code worth another $10 off. (HINT: the code is "WELCOME").And Shipping is FREE!Grab them before they are all gone, but check back often. Inventory seems to fluctuate.I don't get it, seems too good to be true. They are a reputable dealer, with retail stores and online. Either this is a mistake, or they're blowing out inventory (or they're going out of business). Good luck getting one!
Today's Free Kindle Books - 4/15/2013
Added on : Monday April 15th 2013 10:00:44 AM
All I can say is "They were listed as free when I posted on FW"
No Ordinary Hero (Keepers of Justice, Book 1) [Kindle Edition]
Dee J. Stone (Author)
http://www.amazon.com/dp/B00B6LP8GS
Book Description
Publication Date: January 26, 2013
The world is set to explode in three months.The source: a lonely girl with an extreme superpower fueled by the negative emotions inside her.The solution: send fourteen year old superhero-in-training Kale Zenith to be her friend and give her a reason to smile.The problem? The girl trusts no one.With the fate of the world in Kales hands, quitting is not an option. Perseverance is key to knocking down the many walls around her, and soon he gets to know Lindsay as more than just the girl who will destroy the planet.But theres trouble back home. A secret plot is brewing inside his superhero League, and its up to Kale to expose the traitor. But that takes time away from Lindsay when she needs him most. Can he save her and the world before its too late?
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Poster Girl (Friends Along the Way) [Kindle Edition]
Anne Emerick (Author), Laura Petrisin (Illustrator)
http://www.amazon.com/dp/B008PVQ2X0
Book Description
Publication Date: July 17, 2007
Paula wants to win the third-grade science poster contest more than anything. There's just one problem - and her name is Cynthia Lyden. Also known as Little Miss Perfect. Cynthia, a girl with a different hair scrunchie for every outfit. Cynthia, who handwrites whole pages without a single cross-out. Cynthia, who framed her poster and brought it in a day early. All Paula wants is a chance to shine a little. But is she smart enough to compete with Cynthia? And if so, will it matter? As the two girls compete, Paula makes a startling discovery that changes her desire to out-do her rival.
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Ten Interesting Things About Human Behavior [Kindle Edition]
Suzanne Davis (Author)
http://www.amazon.com/dp/B006RDFHCK
Book Description
Publication Date: October 1, 2011
Ten Interesting Things About Human Behavior is a short, lighthearted look at 10 things human beings do, why we do them, and their significance in our everyday lives. How do we resolve psychological conflict that occurs when our behavior violates our attitudes? Why are we so quick to blame others for their behavior while offering excuses for our own? What should we make of the talking heads on cable TV who argue about the cause of TV violence on children's behavior - whose explanation is correct? Why are reality TV shows, some of which portray contestants as pathetic and dysfunctional, so popular?Questions like these usually provoke different answers from different people, each of whom may attribute his or her answers to "common sense." One person argues that "of course children mimic violence they see on TV - my kids do" while another attributes it to "poor parenting - because my kids don't." Which is it, and why?Research psychologists try to answer these questions as best we can. This book is a brief look at the answers to 10 aspects of human behavior - answers derived from controlled behavioral research that is designed to test various theories about behavior. Certainly, there is more to human behavior than the 10 things I chose for this short book. And there are hundreds of primary sources and research reports that describe the research findings in more depth. They're out there if you'd like to read more.But for those who are new to the field of Experimental Psychology, 10 Things may pique your interest in learning more about the subject. And for those "armchair psychologists" out there who'd like a quick read about the most fascinating creatures on the planet - human beings - I think you'll like it, too.
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The Fireball Kid [Kindle Edition]
Bill Palmer (Author)
http://www.amazon.com/dp/B0054H3Z38
Book Description
Publication Date: June 4, 2011
The Sandlot meets The Wonder Years in The Fireball Kid - the story of 12-year-old Danny Voss, a South Side Chicago kid growing up in the racially charged mid '60s.
All Danny dreams about is playing baseball for the Chicago White Sox when he grows up, but 1964 presents some serious obstacles: The toughest teaching nuns in the Chicago Archdiocese. The Little League team and Coach from Hell. A major crush on beautiful, big-haired Gloria. Plus, a well meaning but extremely frugal father, a younger sister who wants to be a priest and a mother that thinks Danny's road to the Major Leagues is paved with her meatloaf.
Except for surviving a secret trip to Riverview, the worlds most dangerous amusement park, the summer of 1964 is hardly going Dannys way. But quicker than a Sandy Koufax fastball, Danny is flush with cash after taking a part-time clandestine job working for Willis, a charismatic black man who lures suckers to Riverviews African Dip" attraction. Dannys rep as the Fireball Kid earns him a spot on the Monarchs - an all black inner city ball team Willis manages. Its not long before the Fireball Kid finds himself playing in the game of his life with his big league dreams and his best friends life on the line.
The Fireball Kid is a hilarious and moving coming-of-age story that feels as good as spending a day at your favorite ballpark with a couple of best friends and a few cold beers.
-Matt Iseman, host of Sports Soup and Clean House.
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Make Him Commit and Think It's His Idea [Kindle Edition]
Nate Truman (Author)
http://www.amazon.com/dp/B008XT8KHA
Book Description
Publication Date: August 14, 2012
Introduction:
Why Should You Read This?  If guy after guy stops calling you 'out of
the blue', then this book is for you.  Hint: It's not 'out of the blue'- there are very specific
reasons why they quit calling you and I'm going to show you how to stop the
behaviors that are turning them off.  If you've had more than one guy 'shut down'
and quit talking during a disagreement, then you need to read this.  If you 'fight
a lot' with every guy you date... maybe you're not the unluckiest woman on the
planet that somehow 'finds all the jerks'...  Maybe it's YOU.  The fact
is, there are 5 very common things that women do unknowingly that really turn
men off... not only turn them off but have them running the opposite direction.  Most of
these you have no idea that you're doing... In fact, you probably think that it's
part of "playing the game", when in reality you're systematically turning him
off one mistake at a time.  A lot of
women think they know exactly what they're doing when it comes to dating and
reeling in the guy they want... but a lot of times the results speak for
themselves.  The
Next 30 Minutes Will Reverse Years of Frustration...  This
will only take you about 30 minutes to read... but it will help your dating
life out tremendously.  I've taken the biggest mistakes that women make
with us guys, and boiled them down into clear explanations that you'll
instantly "get"... and it will become very clear where your problems are.
_____________________________________________________________________________________________________________How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores [Kindle Edition]
Deborah Williams (Author), Linda A. Johnson (Author)
http://www.amazon.com/dp/B006P57THG
Book Description
Publication Date: December 21, 2011
How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores. The #1 Kindle Bestseller in Grandparenting.
This guide explores the 10 way to talk to your kids, as well as fun tips for opening up conversations with your grandkids. How To Connect Long Distance With Grandkids
Making the Most of Your Time with Grandchildren
Grandparent Visitation
Better Conversation with Grandkids
When Grandkids Visit
Step-Grandparentingand much, much more...The Ten Secrets are not just about becoming an amazing grandparent. They are about how to build, make, and keep strong relationships with your children, and create relationships with your grandchildren that will make a lasting difference in both your life and their lives.Whether your goal is to be a long distance grandmother or to be a key part of your grandchildren's lives, there's never been a better time to learn these skills.Curious? Scroll up and click the "Buy Now" button, and learn the 10 Secrets To Being The Grandmother Everyone Adores
__________________________________________________________________________________________________________________ Perfect Pierogi Recipes [Kindle Edition]
Rose Wysocki (Author)
http://www.amazon.com/dp/B00B0GC7YK
Book Description
Publication Date: January 11, 2013
In Perfect Pierogi Recipes Rose Wysocki shares both traditional and contemporary recipes for pierogi dough, fillings and toppings. Some are recipes from her Polish Mother and Grandmother. Others are recipes she's collected or developed over the years.You'll find a total of 51 recipes. They are very easy to make. Included are recipes for: 10 different pierogi doughs (traditional and contemporary), 15 savory fillings, 6 sweet fillings, 3 traditional pierogi toppings, 2 contemporary toppings, 9 compound butters and 6 sauces. You'll also find a list of 16 additional traditional toppings and 10 contemporary toppings (without recipes.) Finally you'll find a lot of information about the history of pierogi, how to make pierogi dough, different methods to cut, stuff and seal the pierogi, how to best boil, saute, deep fry or bake pierogi, how to freeze pierogi and more. Rose also provides information about a couple of pierogi cutting and sealing tools that will save you a lot of time in preparing pierogi.Making pierogi at home is really easy if you have the right directions. This book will give you a head start on making perfect pierogi for your family in your home.
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Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living [Kindle Edition]
Judith Turnbridge (Author)
http://www.amazon.com/dp/B008GSG64C
Book Description
Publication Date: July 1, 2012
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living Do you feel trapped in a home too small and cluttered to breathe in? Would you like a designated place for everything?If you do, then Judith Turnbridge's latest book will provide you with all the answers you've been looking for.This easy-to-follow guide is jam-packed with practical tips and ideas for clutter-free home storage. It covers a host of topics on the separate areas of your home and gives you unique ideas on storing items such as shoes, makeup, books, and more. You'll learn how to utilize every inch of space, so you can say goodbye to being overwhelmed with clutter. You'll be able to stop wasting time and money looking for lost things and buying duplicates you already have. From now on your home will never be too small.Topics covered include: The living room
Storing toys in the living room
The kitchen - including a kitchen without many cabinets
The bedroom - including storage ideas for a small bedroom
Where and how to store clothes when there are no closets
How to keep nice/business clothes from getting wrinkled and dirty while in storage
How to store clothes in an under-bed storage bag without them smelling
How to raise a bed for under-bed storage
Socks and underwear storage when you don't have a bedroom dresser
Good makeup storage and organizational tips
Simple ideas for jewellery storage
The bathroom - including an extremely tiny bathroom
The kids room - including storing school artwork and crafts
The garage - including ideas for rodent-proof garage storage
How to solve shoe storage problems due to a cluttered closet
Storing shoes that do not serve an everyday purpose
Building your own DIY shoe racks
Handbags and purses
Storing a bike in a small apartmentThere's also much more in this fabulous book. You owe it to yourself to find out why nothing is better than a well-organized home and to finally turn your back on clutter forever.Judith Turnbridge is also author of the popular 'How to Declutter Your Home for Simple Living'.
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The Cuban Missile Crisis: A Very Brief History [Kindle Edition]
Mark Black (Author)
http://www.amazon.com/dp/B00AY4N4B4Book Description
Publication Date: January 6, 2013
Want to learn more about history, but dont think you have the time? Think again.The Cuban Missile Crisis, as it is known in the United States (US), occurred in October 1962. It was a naval military standoff that took place in the Caribbean Sea off the coast of Cuba between the two superpowers: the US and the Union of the Soviet Socialist Republics (USSR). Lasting thirteen days, it marked the height of the Cold War tensions, and was the closest the two nations had actually come to an outright war, which could in turn have led to a nuclear confrontation.The Very Brief History series is intended to give the reader a short, concise account of the most important events in world history. Each book provides the reader with the essential facts concerning a particular event or person; no distractions, just the essential facts, allowing the reader to master the subject in the shortest time possible.With The Very Brief History series, anyone can become a history expert!
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Free Country: A Penniless Adventure the Length of Britain [Kindle Edition]
George Mahood (Author)
http://www.amazon.com/dp/B0085W00M8
Book Description
Publication Date: May 23, 2012
"...spent last night laughing so much my coffee came out my eyes...""...this book is quite simply the best I've read in years...""...a completely bonkers challenge and a brilliantly funny read, I couldn't put it down...""...it reminded me of some of Danny Wallace and Dave Gorman's best bits...""...this wonderful story had me crying with laughter more often than not...""...inspiring, uplifting, need I say more? Quite brilliant...""...funny, totally engrossing and actually quite moving...""...one of the most heart-warming, genuinely funny books I have read in a long time...""...not many books keep me up 'till 4am, endangering my marriage in the process... Read it now...""...for the price of half a pint of beer you'll fill at least 4 pint glasses with tears of laughter..."
FREE COUNTRY: A Penniless Adventure the Length of BritainThe plan is simple. George and Ben have three weeks to cycle 1000 miles from the bottom of England to the top of Scotland. Theres just one small problem they have no bikes, no clothes, no food and no money. Setting off in just a pair of Union Jack boxer shorts, they attempt to rely on the generosity of the British public for everything from food to accommodation, clothes to shoes, and bikes to beer.During the most extraordinary of challenges, George and Ben scavenge through rubbish bins, search for the Loch Ness monster, wash dishes, clean hotels, sing Christmas carols for food, swim in lakes, descend Cornish hills on childrens bikes and cook a barbecue for 30 old people in a field. They spend the night in a greenhouse, a canal boat, a posh hotel, an empty house, a pub, a tent in a car park and a barn with a bull. Through the course of their hysterical journey they are clothed, fed and sheltered by the generous people of Britain; from llama farmers to onion farmers, students to lifeguards, a former rock-star to a former hit-man and Michael Eavis in a pair of hot-pants. They blaze a trail of open doors and warm hospitality the length of this green and pleasant land, proving that - both monetarily and opportunistically - Great Britain is undoubtedly a Free Country.
Everton 8' x 12' Wood Storage Shed $1,099.99 Delivered costco.com
Added on : Friday April 12th 2013 11:00:10 PM
Text
http://www.costco.comEverton 8' x 12'
Wood Storage Shed
Solid 2" x 4" wood framing
with 740 cu. ft. of storage.
Pre-cut and ready for assembly.
$1,099.99 Delivered
After $300 OFFItem # 596417Valid 4/8/13 through 5/5/13. While supplies last.
Online Price$1,399.99Less-$300.00Your Price$1,099.99

Shipping & Handling included  Features: Solid 2' x 4' Wood Framing, 740 Cubic Feet of Storage, Pre-cut and Ready for Assembly
At this time orders for this item can not be delivered to Florida addresses.The Everton storage building by Yardline offers the space you need and the styling youve been looking for. The Everton is an 8 x 12 building that features an extra tall 10 roof peak creating storage space rarely seen in a gable style unit. The steep roof pitch and extended overhangs provide a styling normally found only in expensive custom designs. The double doors on the Everton are 28 wide creating a 56 opening that allows access for virtually any riding lawn mower. A transom window and decorative strap hinges add class and elegance to the front of the Everton. Style, Versatility, Functionality and Elegance are just of few of the adjectives that describe the Everton by Yardline.

For questions regarding this item, please call Yardline at 1-800-844-9273
Everything is pre-cutnothing to saw!
Includes the most solid floor system in its class. Constructed of treated 2 x 4 framing with 16 joist spacing. OSB decking is an engineered wood product designed for strength, durability and consistency, 5/8 sheets covers the floor frame providing years of safe and dependable storage.
6 tall walls are constructed of solid 2x4 lumber and provide ample space for long-handled tools, ladders and more
Includes a storage loft that measures 8 long and 3 deep
Includes a shelf that measures 8 long and 12 deep
Factory primed wood siding is treated to resist decay and termites
Features pre-assembled, 2 pre-hung 28 doors (generous 56 opening)
Doors operate on strong piano hinges and include decorative faux strap hinges
Includes locking T handle and assembly hardware
Raised transom window over the doors
Extended roof overhangs provide style and protection from water runoff
Includes two wall vents
Paint and shingle to match your home or suit your taste (paint & shingles NOT included)
740 cubic feet of storage
Floor size 96 x 140 5/8
Side wall height 6 (nominal)
Peak height 10 (nominal)
Total weight approximately 1300 lbs.
15-year limited warranty Assembly Required: All parts are pre-cut and ready for assembly. Assembly requires intermediate carpentry skills and will require 2 people 2 days to complete: 1 day to assemble the shed and 1 day to paint, caulk and shingle the shed. Furnished by Homeowner:
Approximately 1.5 gallons of exterior latex paint for siding
Approximately 1 quart of exterior latex paint for trim
Approximately 1 quart of exterior latex paint for doors
7 bundles of roofing shingles and appropriate nails/fasteners Tools Needed:
Hammer
Phillips
Screwdriver
Tape measure
Level
Stepladder
Cordless drill
Painting tools
Model: 19235-7
Advice on Selling a Car
Added on : Friday April 12th 2013 04:01:15 PM
I'm having some trouble selling my car. It's a 2006 hybrid with about 115k miles on it. The car is in great mechanical and cosmetic shape, and I just had it fully detailed.It's on cars.com and craigslist. Been on the market for two weeks and haven't had a serious offer yet. I've priced it at Kelley Blue Book value for a car of those specs in "Excellent" condition, which it is.I've had two people out to look at it - both had nothing but good things to say, but neither made me an offer. Closest I've come is an offer for $2k below asking, and ironically, he ended up buying the same car, one year newer but with 25k more miles for $500 more than he offered me (still puzzled by that one)!I suspect the problem may be that because it's nice car, fully loaded with leather, even though the price may be "fair" according to KBB, I might be out of the price range of most people in the market for a car with 115k miles on it.So should I be patient, or drop the price some more? I don't need to sell it right away, but it sure sucks to be paying insurance on a car sitting in the garage.
Craftsman 7pc Universal Wrench Set: Infinite Jobs at for $18.99
Added on : Thursday April 11th 2013 02:00:05 PM
Craftsman 7pc Universal Wrench Set: Infinite Jobs at for $18.99http://www.kmart.com/craftsman-7-pc-universal-wrench-set-standar...7-Piece Universal Wrench Set Ensures You Always Have the Right Tool for the Job
For one low price, thisCraftsman 7-Piece Universal Wrench Set provides you with seven essential tools, growing your tool collection and ensuring you always have the right size wrench on hand. After all, nothing throws a wrench in the works like not having the right tool for the job. This universal wrench set includes seven standard sizes (5/16, 3/8, 7/16, 1/2, 9/16, 5/8 and 11/16 inches). Adding to the versatility of this tool set is the universal tooth design, which grips six different types of nuts and bolts for a nearly exponential number of applications.
Kmart.com Coupons
Free Desert Session: 2013 Coachella Mixtape MP3 Album from Spin
Added on : Thursday April 11th 2013 12:01:22 PM
http://www.spin.com/articles/free-mixtape-download-spin-coachell...SPIN Presents Desert Session: A 2013 Coachella Mixtape
1. Shovels & Rope - "Birmingham"
2. Thee Oh Sees - "Toe Cutter - Thumb Buster"
3. Polica - "Dark Star"
4. Cloud Nothings - "Stay Useless"
5. White Arrows - "I Can Go"
6. Youth Lagoon - "Dropla"
7. The Descendents - "Cool to Be You"
8. Kill the Noise - "Mosh It Up"
9. Dog Blood - "Next Order"
10. SpaceGhostPurrp - "Starz"
Panda Express | Chinese Food -- Free Surf & Turf April 17th only for $0 + free shippinghttp://www.pandaexpress.com/coupon/full/Free-SST-Coupon?utm_sour...Free sample-size entree of Surf and Turf at Panda Express. Wednesday, April 17th only. One per person per visit. Of course there is nothing to prevent you from printing out multiples for more than one person and location, and multiple visits.
Debt collection. It's my turn now.
Added on : Wednesday April 10th 2013 09:01:11 PM
I received a debt collection letter today, on a debt that I believe is not correct.I had agreed to purchase a newspaper (XXXXXXX Post) for 6 months over the phone. It was a great teaser rate ($19 for 6 months, as far as I remember). I had paid via a money order so that they don't have my account number or anything else. I was aware that the newspapers have a habit of auto-renewal without permission and billing people for that. So I had specifically asked them over the phone to stop sending the newspaper after the 6 months and to NOT bill me for that.I think I may have received some renewal notices from XXXXX Post which I ignored because I was not interested in renewing. Fast forward today and I have a debt collection letter listing that newspaper company as the original creditor. The amount demanded is $39.04.The first name on the debt collection notice is incorrectly spelled to the point of being totally unrecognizable. The last name is accurate. I suspect that XXXXXX Post had my name wrong in the first place. Can they even pull my record up from the credit bureaus given they don't have my first name? If they search just by the last name and address then it will pull up multiple records and I don't see how they will figure out which record to put this on.The only planned next step at this point is that I will send a certified first class letter with a copy of the collection letter, with a handwritten note across the copy reading "I dispute the debt. Please validate.". I will write nothing else, not even sign the demand for dispute. I don't think there is any need for me to give them my first name when they don't have it.Any other suggestions FWF gurus?I'm not sure if this will become a popcorn worthy episode or not. I will update the outcome anyway.
Macy's Missed Payment, SOB story, any suggestions?
Added on : Tuesday April 09th 2013 07:01:03 PM
My wife and I are in our "late 60's" and married close to 45 years. In those 45 years we have never had a credit card balance, always paid EARLY (first day we get the bill) and most of all have NEVER EVER missed a payment. Both our FICO scores are a couple points below 800.Anyway: We (actually she) opened a Macy's (AMEX) card a year or two ago. Their account is screwy in many ways. Each Macy's AMEX account is actually 2 accounts, one for Macy's purchases and one for "out of store" purchases. The website as well as the multiple accounts aren't easy to find what you want. Anyway (long) story short we get a call from Macy's collections saying we are 60 days past due on $66 as of today. The guy gives me an account number which is not even close to the TWO account numbers on the account but as he explains (in his virtually impossible to understand "off-shore accent") there is yet a 3rd account number tied to this account but it doesn't show online.He claims we were sent SNAIL MAIL bills over 2 years as well as EMAIL bills of which we have NEVER received either. I have NEVER not received any other bill that had been mailed to me or an email bill notification that had been sent to me (yes, I also check spam folder on a daily basis). I went to my Google email account we use strictly for online billing and searched on "Macy" and going back to 2010 there were only advertisements and absolutely nothing bill related and we definitely never received a mailed bill. Maybe we could hav