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g: 0 Posted By: ctgolfer
Views: 112 Replies: 0 These construction bricks shapeshift and change to become mini figures, action figures, weapons, gear, gadgets and more. You can up build both the Dimensional Dropship and the Dimensional Portal in this amazing 2 in 1 set! Loaded with multiple shapeshifting brick types, unleash your Tenkai energy with the never before seen dual mode, light projecting power brick, 2 fully loaded shapeshifting missile weapon bricks, 2 projectile launching action bricks and the exclusive, Guardian Boreas shapeshifting mini-figure.
Dimensional Portal
When called upon to battle against Vilius Corrupted army, theres really only one way to get there. Instantaneous teleportation through a Dimensional Portal! Hidden within Mr. Whites shop lies the incredible shapeshifting Dimensional Portal; the gateway to Quarton. Once activated by the shapeshifting cores, the Dimensional Portal instantly thrusts Guren, Ceylon, Chooki and Toxsa to the far reaches of the universe where they emerge as the Tenkai knights! Build the Portal and activate the Tenkai power inside. Use the shapeshifting power brick that contains a real working dimensional transport beam to bring the Tenkai Knights from earth to Quarton for their next epic battle.
Dimensional Dropship
Once in Quarton the Portal can also shapeshift into the powerful flying aircraft manned by the Tenkai Knights. Cruising the skies, the Dimensional Dropship is a powerful weapon used to fight off the Corrupted Army when the battle rages. Take the fight into your own hands by rebuilding the Dimensional Portal into the Dimensional Dropship to launch an aerial attack. Weaponize the Dropship with 2 shapeshifting action bricks and take aim and at the Hos and Sho with real working crossbows. Load the undercarriage with two shapeshifting action bricks featuring powerful triple barrel missile launchers. When the battle heats up, crank up the speed and activate the real working blue thruster energy beam from the power brick. Swoop down on the Corrupted with the poseable wings, open the storage compartment from the bottom of the Dropship and have the Corekai warriors leap into battle for more firepower.

Feature 1. Revolutionize construction play with the shapeshifting bricks of Tenkai Knights powered by the IONIX construction system!
Feature 2. Compatible with major construction brands, these bricks are like nothing you've seen before. Bricks that come alive,with unexpected surprises.
Feature 3. The 2-in-1 set lets you build both the Dimensional Dropship and the Portal! Shapeshifting weapon bricks reveal triple barrel missile launchers!
Feature 4. Features light projecting brick to reveal either the Portals teleport beam or turn the dial to activate the Dropships jet thrusters in blue or red.

Includes: 1 Shapeshifting Power Brick, 2 Weapon Bricks, 2 Action Bricks, 1 Exclusive Guardian Boreas Mini Figure, 188 Additional Pieces, Instruction Guide


www.kmart.com/spin-master-ionix-tenkai-knights-2-in-1/p-004W0067...
Toys Deals

Kmart.com Coupons
Free Kindle book: Tin God
Added on : Wednesday October 22nd 2014 05:00:07 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 24 Replies: 0 Tin God
Stacy Green(Author) 4.5 out of 5 starsSee all reviews(310 customer reviews)
Digital List Price: $5.99 Print List Price: $14.99 Kindle Price: $0.00 You Save: $14.99 (100%)


Length:
Don't have a Kindle? Get your Kindle here.
Whispersync for Voice:
Series: Delta Crossroads Trilogy(Book 1)

Editorial ReviewsReviewStacy Green has the power to transport readers to a place and time. Whether it's the sticky heat of a Mississippi summer, or the cold terror of coming face to face with a murderer, her writing stimulates all the senses. TIN GOD is a very satisfying read.--Bestselling thriller author Rachel Abbott
Stacy Green has written an emotionally charged, thought-provoking and stunning mystery/suspense that will capture and hold you hostage until the last page is read.
--The Kindle Book ReviewStacy Green writes some of the best villains out there while at the same time keeping them well hidden. I highly recommend this book for adults who love suspenseful mystery with a dose of romance and a surprise you don't see coming. I will definitely be reading more of her stories. --Open Book SocietyFrom the Inside FlapTIN GOD is an action packed psychological mystery/suspense novel featuring a strong woman who is determined to stop a demented killer who will stop at nothing to bury the truth.About the Author Stacy Green is a writer to watch. Her second novel, Tin God, was runner up for The Kindle Book Review's 2013 Mystery/Thriller and an Amazon summer bestseller. A lover of mystery and suspense, Green's gritty thrillers deliver just the right amount of romance and intrigue.

Married to her college sweetheart, she's proud to be a lifelong Midwesterner. Contact her via her website to be notified of new releases or to just to chat about books! stacygreen.net Twitter: @StacyGreen26 Facebook: facebook.com/StacyGreenAuthor
Samsung XPress Laser Printer @Staples $79.99
Added on : Wednesday October 22nd 2014 07:00:07 AM
g: 0 Posted By: wdsmember
Views: 133 Replies: 1 my apologies if this has already been posted - I did a quick search and found nothing...
Staples has the Samsung Xpress Laser Printer 50% off. Price = $79.99. (Link)
desc:~~PRODUCT DETAILSYou've gone mobile, and so has your printer.Get Near Field Communication (NFC) printing is a wireless sharing technology that enables your mobile device to to connect and communicate with your printer with the Samsung M2830DW Xpress Mono Laser Printer. Simply tap your phone or tablet to your multifunction printer, and print. Samsung Xpress printers are built to handle a wide range of media types. You can produce flyers and other collateral, on cardstock and other media, as heavy as 59 lb. bond. Samsung high-yield toner cartridges help you reduce total cost of ownership. Samsung Eco Solutions let you save even more by lowering toner and paper usage, and reducing energy consumption.
Network and wireless ready: Hi-Speed USB 2.0, Ethernet, 802.11b/g/n Wireless, Wi-Fi Direct
Prints up to 29 ppm
Automatic Duplexing (two sided printing)
You get sharp, solid prints with an effective print resolution output of up to 4800 x 600 dpi
Amazon price on this is $87.99 + $12.49 shipping link

laser printers Deals

Staples Coupons
Collection agency letter on a 4+ year old medical bill
Added on : Tuesday October 21st 2014 04:00:07 PM
g: 0 Posted By: peteron
Views: 29 Replies: 1 Hi FWers, I got this letter three weeks ago from Front Arnett debt collection agency on a medical bill that I was charged in 2009. I was in school at that time, and went to a clinic outside school for doctor visit. I was charged a few hundred bucks which I was obligated to pay within my deductible. I received the bill but didnot pay because it was a bit too much to afford at that time. I remember I got a call once from the clinic, but eventually I did not pay. Since then nothing has happened and I totally forgot about it. Now after nearly 5 years, the debt collection letter shows up in my door - which is shocking to me since I have moved numerous times in the past five years. How do they manage to find me?? Now they demand me to pay full amount, but do not say anything about the bill - I wonder if they will be able to validate it or not. I should have responded to the letter earlier, but I just saw the letter lying on my desk today. I am going to hit the 30-day window next week. I have excellet credit and donot want this to ruin it; on the other hand, it would be nice if I donot have to pay the hundreds bucks. Given that it is a really old bill, I want to consult people here, what is the strategy I should take?
g: 0 Posted By: MrConsumer
Views: 218 Replies: 1 Got an email from Shop Your Way today promising:Points Match Back: Redeem your points and we'll match back the points you've redeemed.*

While this looks like they will refund any purchase made with points, point for point, up to $100 worth of points, that is NOT how it works. I spoke to SYWR and had a very smart agent who explained it this way: If you are going to buy an item that costs $100, use $50 of your own points and SYWR will immediately kick in $50 of bonus (surprise-type) points, making your purchase "free." If however, you applied $100 of your points to this $100 item, you would get nothing in match points.

There is a link in the email to a printable coupon with a unique one-time use code to take advantage of the offer.

Here is the fine print (which does not explain it any better than their headline):

Fine print:*Maximum of $100 in points awarded per member, per transaction. Purchase requirement is before taxes and after discounts. Not valid on Nicki Minaj or Adam Levine merchandise; BOGO; gift cards; non-merchandise; concessions; federal or state regulated items; alcohol; tobacco; fuel; items behind the pharmacy counter; prescriptions; prior and online purchases; partial-paid special order items; Lands End merchandise; Scrubology; at Sears HomeTown, Outlet, Appliance Showroom, Hardware and Parts & Repair stores; or during Family & Friends or Member events. Redeemable at Sears, Kmart,kmart.com,andsears.com. Limit one coupon per member. Void if copied, transferred or obtained via unapproved means and where prohibited. Any other use constitutes fraud. Cash value 1/20. On return, points deducted from account. Offer code limited to one-time use only and applies to merchandise marked sold by Sears or sold by Kmart. Sears Holdings reserves the right to terminate or modify this offer at any time for failure to comply with its terms and/or due to any operational malfunction of the software, hardware or equipment required to process this offer. Use of this coupon constitutes your acceptance of the Shop Your Wayterms and conditions, available atwww.shopyourway.com/terms.Offer valid through​11/3/2014​11.59​PM.

So think of the offer as one that will equally match the number of points you are redeeming up to the price of the item, but not exceeding the price of the item, good online or in-store.

MrConsumer
Services Deals

Sears Coupons
g: 0 Posted By: remick
Views: 147 Replies: 0 http://www.amazon.com/gp/product/B009AUC7ZM

4.3 out of 5 stars (144 customer reviews)


Warm from the oven and just waiting to accompany a glass of cold milk or a cup of steaming cocoa, nothing smells better than the aroma of freshly baked cookies. With Cookie Indulgence, you'll never run short on inspiration for quick and delicious cookies, bars and frostings to welcome friends and family home or to give as tasty gifts.

Browse through the pages of Cookie Indulgence to find just the right treat. With 150 favorites from Chocolate Chip or Oatmeal cookies to No-bake, Refrigerator and Christmas cookies, there is sure to be a recipe that will please even the most rigorous taste test your family can muster.

If you're looking for something unique, make sure to check out the Unusually Odd cookie section for recipes with ingredients you won't find on the average baking supply shelf. Find cookies like Black Bean Brownies, Chinese Noodle Cookies, Potato Chip Cookies and Breakfast Bacon Cookies, among others.




also free

Easy Pumpkin Recipes: There's More to Pumpkin than Pumpkin Pie!
http://www.amazon.com/gp/product/B009FR9B7M
4.7 out of 5 stars (26 customer reviews)


Thanksgiving Feast Cookbook: The Very Best Classic and New Recipes
http://www.amazon.com/gp/product/B00OM72LSQ


52 Delicious Weekly Salads On The Go
http://www.amazon.com/gp/product/B00N7LWQ0G
5.0 out of 5 stars (12 customer reviews)


50 Easy Sorbet Recipes - The Frozen Sorbet Cookbook
http://www.amazon.com/gp/product/B00GQMACJA/
4.7 out of 5 stars (3 customer reviews)










Totally Free Deals
g: 0 Posted By: sarahturtle
Views: 152 Replies: 0 http://sellout.woot.com/offers/core-bamboo-butcher-block-with-pr... the professional and home cook alike, this collection of top grade chop blocks can be found in gourmet kitchens around the world. Made from the finest bamboo and designed with the professional in mind, our Pro-Chef series is a staple for the chef where nothing but the best will do.

Made with premium, hand selected bamboo
Pro-Chef series is a staple for the chef where nothing but the best will do
Clean with warm soapy water or a damp cloth
100% food safe and FDA approved also meets European standards
Each stainless steel prep bowl has a 10.5 ounce capacity

Shipping Note:Eligible for shipping to all 50 statesWarranty:90 Day Woot Limited Warranty
Home & Garden Deals

woot! Coupons
g: 9 Posted By: remick
Views: 928 Replies: 1 http://www.amazon.com/gp/product/B00OM729CY

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OM729CY

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

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


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

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



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

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




also free

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

YOU ARE IN DANGER

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

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

Real online security is all about:

...the things you need to KNOW

...the things you need to DO

...and the things you need to AVOID doing

to truly stay safe online.

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

For example, some of the topics covered include:

...How to get free virus protection

...Other free defenses you should install

...Keeping your children safe online

...Vital information about safe surfing

...How to recognize and avoid online scams

...Securing your PC and its private data

...How to spot unscrupulous marketers

...Guarding your personal privacy online

...Staying safe from criminal intrusion

...Keeping your home Wi-Fi network secure

...Crucial advice regarding password security

and much, much more!

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

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

As well as being an incredible communications hub that can link you to a virtual treasure trove of knowledge, the Internet also offers a plethora of work from home opportunities. However, if you want to make money online from home, you need to be very, very cautious. There are thousands of money-making schemes online that are really just traps for the unwary. ITRAPS spells them out and points you in the right direction. The book even has a section on finding the ideal 'work from home' opportunity, if that is what you really want.
Books & Magazines Deals
4 Free Kindle Books--Diet, Herbal Living, Lifestyle, etc.
Added on : Saturday October 18th 2014 07:00:10 PM
g: 0 Posted By: sarahturtle
Views: 195 Replies: 0 Here are some highly rated to fairly highly rated Kindle books.

Clean Food Diet: Avoid Processed Food and Eat Clean:

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

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

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

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

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

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


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

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

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

The Acid Reflux Cookbook

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

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

Clean Food Diet: Avoid Processed Food and Eat Clean:

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

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

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


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

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

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


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

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

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

The Acid Reflux Cookbook

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

Totally Free Deals
g: 1 Posted By: Y3ll0wSlack3r
Views: 97 Replies: 0 Diet Cookbook: Under 160 Calories-Healthy Dessert Recipes. Naturally, Delicious Desserts That No One Will Believe They Are Low Fat & Healthy

R. Federbush (Author), Diet cookbooks (Preface) 4.5 out of 5 starsSee all reviews(143 customer reviews)From the Author Only 138 Calories!
Chocolate Rice Krispies Treats
There is nothing like sweet Chocolate Rice Krispie Treats. Please enjoy guilt free Chocolate rice krispies that have only 138 calories! It will take you only few minutes to prepare, and no one will know that they are low calories and low fat. So, let's get start!

Yield: 12 treats | Per serving: 1 treat - 138 calories

3 cups Rice Krispies, 100 g, 390 calories
cup plus 1 tablespoon of water
9 ounces semi-sweet chocolate, cut into -inch chunks (or 1 cups chocolate chips), 252 g, 1,260 calories

1. Line standard muffin tin with baking cups and spray with nonstick baking spray. Put the Rice Krispies in a large mixing bowl.
2. Add the water to the chocolate in a small saucepan over very low heat, and stir until the chocolate is melted and the mixture is completely smooth. Remove from heat and let cool approximately 5 minutes. Pour over Rice Krispies and mix together quickly. Using 2 spoons, distribute into the baking cups. Press down gently on each one.
3. Cover the tin loosely with a plastic bag and freeze for at least 1 hour. Box them up and keep in the refrigerator for a few days.
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Emigrant Direct Visa Checkout Bonus
Added on : Saturday October 18th 2014 11:00:06 AM
g: 0 Posted By: hpmax
Views: 17 Replies: 0 I got an email from Emigrant Direct that if if I enroll my Visa card with Visa Checkout they will give me a $5 statement credit within 10-12 weeks of the promotion ending (November 30th). There's nothing about this that looks targeted. Yeah, its only $5, and basically they are claiming it could be until the end of February, 2015 before you get it, but it also only takes a couple minutes to sign up.
Credit Deals
Driveway Easement - any concerns?
Added on : Friday October 17th 2014 11:00:02 PM
g: 0 Posted By: dblevitan
Views: 43 Replies: 0 We're considering a house in WA that has a driveway easement along one edge of it. This part of the driveway is shared between this house and the next property. The only information I've found (from public documents) is that there is a non-exclusive right of ingress and egress to the owner of the other property, that maintenance costs are shared between the two houses, and that no structure can be built within 55 feet from this edge of the property. I don't know, at this time, whether other agreements exist. This would be our first home purchase and neither of us has experience with such easements, so hopefully someone can answer a few questions from the financial side of things:

The properties are both on a relatively steep hill, so if you accidentally drove off the road you'd drop 10 feet or so. Should we have any concerns about liability from someone visiting the neighbors house and crashing while on this part of the driveway?
How is maintenance typically shared? Who decides that the driveway needs to be repaved?
What is the requirement for something like snow removal in this situation? Can we be forced to get a snow removal service even if we don't want it (primarily because snow falls only a few times a year around here)?
Given that the easement specifies nothing about the width, can we be forced to expand the width of the driveway? At the moment it's actually pretty narrow and two cars could probably just pass each other.

Thanks for any help you may have!

Discussion Deals
g: 0 Posted By: lmbebo
Views: 13 Replies: 0 My wife and I moving to a new city, about 800k, with low cost of living and no state income tax.

My income will be 300k, wife with no income at all (both still hoping she finds a job).

Emergency fund savings of about 65k, retirement in the range of 80k. 14k saved for another surrogate attempt.

Debt, about 67k (no interest, but quick repay) to my in-laws for a gestational surrogate attempt, now with an amazing 1 yr old daughter.
car debt. 13k(@355/mnth - wife's car) and 25k(@585/mnth - my car) on 2 different cars (0.9 and 1.9% interest).
About 60k left my edu loans (1 loan of like 35k at 1.5%, the rest at 3.5% - consolidated before things got real bad).
Credit score is 780+. No credit card debt.

Loan repayment everything amounts to $3110/month. Should be free of surrogate and car loans by early 2017.

Things are complicated by trying to also save for another transfer with our GC (cheaper than 1st attempt, but still another 50-60k we will need saved). Pushing it quicker because I don't want to be over 40 with a new born and don't want to have a huge age disparity between our children. I am 37 and wife is 33.

To cut to the chase, I'd like to continue to rent. Pay off some debt and build up a downpayment. My wife wants to take advantage of the mortgage rates and start building equity in a home. She's tired of giving other people our money with nothing to show for it.

We could probably be able to swing 20k for housing associated costs.

House in question is a 3 bed/2 bath in a new development area on the side of town we want to be in. It doesn't feed into the 2 high schools I'd want my child attending. House is a new build, reduced from 279k to 255k. She sees it as a starter home that we would eventually move out of in the future. I grew up living in a single house that my parents still own (35 yrs and counting). She has moved through 3-4 homes as a child and sees that a starter home is a pathway to our eventual home we'd like.

Am I making a mountain over a mole hill by sticking to my guns about continuing to rent and get ourselves financially secure?

edit: Of the houses we saw, I'd be happier being in this 400k home with 4 bed/3 bath in an established neighborhood. Something I feel will last us longer than 5 yrs...






Free Kindle Book- The Truly Offal Recipe Book & other cookboooks
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 The Truly Offal Recipe Book: How to Cook the Parts Others Throw Away
http://www.amazon.com/dp/B00OI2UIKS/

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



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

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

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



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

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



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

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



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

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

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



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

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

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I am Considering Selling a Limited Liability Partnership
Added on : Thursday October 16th 2014 05:00:09 AM
g: 0 Posted By: jrbrann
Views: 10 Replies: 0 I will try to keep this simple- I had a family member who had a limited liability partnership (a rental property down in Florida) in their IRA. The monthly income from their LLP was going into their IRA account and they were taking RMD's from that account. I was left the IRA which included other investments as well as this LLP. Because it was a non-spousal IRA I have to take RMD's as well so I have kept taking the income as my RMD. I am now considering selling the LLP but I am not sure the best way to go about it. I was offered an amount by another of the investors (there are about 5 other investors) but it was lower than I think it is worth, and he even admited that fact. The property gives a monthly income of $540- so $6480 a year. I was thinking that selling it for a 5% return ($130,000) seems fair as there is nothing out there paying 5% right now. We have had it in our family for about 20 years and as of yet there has been no missed payments. So two questions-
#1 is the $130,000 a reasonable price to ask for an LLP with a strong income history?
#2 where is the best place to find a buyer?
Personal Finance Deals
g: 0 Posted By: firestix
Views: 24 Replies: 0 Several weeks ago my employer gave us the option to go to direct deposit or get a pay card. Had us fill out a form and everything. Mind you this form had no description of what the pay card was. I chose the pay card because I have a problem with the company's ability to dip into my account if they feel they paid me incorrectly. It turns out this pay card comes with a 16 page pamphlet of terms and conditions that were not disclosed at the time I was forced to make the decision. My employer has already deposited my pay into the BoA account. According to the payroll specialist I have to activate the card (accept all terms of the service) to get my money out, there is nothing she can do. The "Money Network" rep initially tells me the same thing but when I insist I don't want to accept the terms they tell me that my employer needs to take the money out if I do not wish to activate it.

I'm only getting started on this battle. I have already signed up for direct deposit; I figure it is the lesser of two evils. The sign up for direct deposit said that it may take up to two pay cycles to activate. So that makes up to a month and a half of pay being held ransom over these terms and conditions. While I can weather that delay, I wonder how smoothly the removal of funds from BoA will be once I have the direct deposit operational. I guess I'll be e-mailing my payroll specialist. Whereas up till now I have used phone calls. Getting documentation in case things go wrong, might just be a good idea. So if there is anyone that has experience on the payroll side of how this might go down I would love to hear what you have to say.

I am also a bit concerned about how they seem to have opened an account for me and how my actions, weather to suck it up and take on the terms, or never use the account, might affect my credit rating. I would also love to hear from anyone who might have insight into how these actions might affect my FICO score.Thanks in advance for anyone who chimes in and takes the time to help me out.
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/gp/product/B008HX75S2

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

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

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

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

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

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

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

So whether or not youre the next Steven Spielberg this book will teach you everything you need to know to start making high-quality films on a micro-budget, including how to avoid making mistakes. But, jeez, hopefully you ARE the next Steven Spielberg! We could sure use some better movies out there
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Free Kindle Book- Propose, Prepare, Present (was $14.99) & other business
Added on : Wednesday October 15th 2014 04:00:06 AM
g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

Every year, tens of thousands of companiesfrom industry giants to aspiring upstartsapply to speak at conferences. They pump millions of dollars into these events, hoping to find new customers, strengthen their brand, and meet new partners. Sadly, for most of them, things dont go that way. Submitted topics arent chosen; when they are, they come across as tone-deaf sales pitches.

What does it take to be chosen to speakand to rock the mic when given the chance? This book takes you behind-the-scenes of the conference process, showing you how to submit, plan, and deliver a talk that matters. Event organizer Alistair Croll provides many examples based on his experience with a wide range of conferences, including OReillys Strata, Velocity, Web2Expo, and TOC Conferences.

Learn 11 items that help your submission stand outand 11 items that will get it tossed
Explore the hurdles your proposal has to clear before its accepted
Tailor your talk to a conferences topics and themes
Discover why images work better than words in your slide deck
Achieve your business goals by engaging the audience before, during, and after your talk



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

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



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
http://www.amazon.com/Public-Speaking-Confident-Successful-Train...

Youre about to discover how to feel comfortable and fully at ease with public speaking.
Many experts claim that public speaking is a dying art. This is because many people dread standing up in front of a crowd to say their piece. In fact, if they could get away not doing it at all, they probably will. This fear of public speaking breeds a counterproductive mindset that is actually more disadvantageous over the long run.
What is needed is to imbibe the right attitude needed to help you get your debilitating fear of the unknown. To enable you to become a confident and successful public speaker, you need to tell yourself that you are



Informal Learning at Work: How to Boost Performance in Tough Times
http://www.amazon.com/dp/B00B1W1104

Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
This book shows you how, using practical advice from workplace learning experts, and examples and case studies from around the world.



How to Pursue an Idea
http://www.amazon.com/dp/B00NCJL7G2

Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
http://www.amazon.com/dp/B00NVHO5B4

Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
Think about it this way - wherever there is poor performance, it is because someone is not capable of doing what needs to be done. Something is stopping them doing the job in front of them.
This book is like a 'Field Guide' that shows you how to operate as a performance consultant, how to identify the root causes of poor performance, and how to collaborate with the operations managers to deal with those root causes.
It is clear that the role of Learning and Development is changing. This is both a challenge and an opportunity for L&D practitioners. The opportunity is yours for the taking!



Actually Useful Accounting
http://www.amazon.com/dp/B00ESUOEW8

Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



Leadership IS for Everyone
http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
He lays out a practical and instantly usable "leadership launch platform" in the form of 20 Leadership Secrets or techniques. These 20 secrets are the foundation of leadership as a way of life - the only real way to perform at an exceptional level.
Read what Marshall Goldsmith, 2 million-selling author of the New York Times bestseller, Mojo and What Got You Here Won't Get You There has to say about "Leadership IS for Everyone":
"In Leadership IS for Everyone, Vinay lays out a vision to achieve exceptional performance and achieve fulfillment at work. His core tenets of doing things rather than being somebody, of sustainable behaviors rather than a belief in hierarchy and title hit the mark in todays workplace. Using a practical workbook-like approach, Vinay leads you through the process of establishing yourself as a leader and then launching into the highest levels of leadership where you focus not just on yourself, but in transforming others. If you are looking to take your performance to the next level and achieve not just your goals but true fulfillment, then reading and using the 20 leadership secrets he shares in this book will prove invaluable."
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How do I calculate equivalent salaries between cities?
Added on : Monday October 13th 2014 10:00:06 AM
g: 0 Posted By: usethisemailforcraigslist
Views: 122 Replies: 3 I am currently employed in Champaign, IL. A sleepy town, really. My annual salary is roughly $100k, pre-taxes. I have a wife (not-working) and a 1 year old. We want to move away from the midwest at all costs. I took up this job because I loved it, but I don't like anything outside the job. Horrible city (not a city, more like a village) to live in, absolutely no outdoor activities, for just about anything we have to drive 3 hours to Chicago, Indianapolis or St. Louis, the weather is miserable half the year. Maybe if I was a student in UIUC here, I would have loved it. But otherwise, it plain sucks.

We want to go somewhere where my wife can socialize more, get out and meet people. Given we are Indians, we figured California would be an awesome place. Even places like Houston / Dallas / Austin might do too.

Given I work as a software engineer, I figure it can't be too hard for me to get a job elsewhere. Assuming I do, where do I find information on what an equivalent salary would be to afford an equivalent life style?

I pay around $1000 for rent monthly. I walk to office because it is in walking distance. I have 2 cars, fully paid off. Insurance on them is around $400 or so per year. In general I have a comfortable life style.I am paid bimonthly. I have a HDHP and I pay into my HSA the maximum allowed each month. Max out my 401k with some employer contribution. After all that and my monthly expenses, I get to save around 15-20% of my salary each month. (Occasionally we splurge, vacation, travel to India for family and all that but nevertheless).

So what salary should I be negotiating when looking to move to a proper city? I am guessing cost of living here in this small town is lesser? I am guessing the same salary won't go so far in a real city where I actually have stuff to do on the weekends, as opposed to now where we basically just sit at home and have nothing to do except perhaps go to a park or two?
Personal Finance Deals
$15 at Staples Acesori Wallet Dual Charger 8,000 mAh Battery Pack
Added on : Friday October 10th 2014 02:00:06 AM
g: 0 Posted By: serenity22
Views: 250 Replies: 1 LINK

I just ordered on-line, and applied:

$10 off your technology and mobile accessories purchase of $40 or more.
Coupon#: 86128

and got 3 for $35. Nice gifts with more than $12 value to each

Could not find it anywhere else, so nothing to compare it with. Just the two reviews.
One wrote: I didn't have directions when mine was sent so this may be helpful for you as well. Directions for the battery http://www.acesori.com/wallet.html
The Acesori Wallet Dual Charger is a convenient rapid charger for all of your phones, tablets, music players and other USB charging devices. It's rapid charge capacity combined with it's capability to charge two different devices at the same time make it a fan favorite.

Powerful 8,000 mAh rechargeable battery
Dual USB ports
Rapidly charges any two smart phones or tablets.
Sleek, portable, and protective

Batteries & Chargers Deals

Staples Coupons
g: 0 Posted By: remick
Views: 255 Replies: 0 https://itunes.apple.com/us/app/id844280848?

Description
For the first time in the Benjamin Universe, experience Real-Time Transformable Modern Jet Aircraft with 3 upgradeable jets along with 18 unique weapons and after-burner upgrades. Survive 20 action oriented arcade missions with 2 bonus endless mission challenges as you watch your Fighter Aircraft transform their engine and afterburner configuration in real time before your eyes, with NEW breathtaking and awe-inspiring visuals exclusively on the iOS. Featuring:

New generation of Arcade-Style Jet-Fighter experience with Transformable Afterburner technology that morphs, modifies and changes your modern aircraft in real time right before your eyes!
Enjoy Simple and Intuitive Controls: tilt your iOS device left/right to steer your Jet Fighter around city obstacles while skillfully avoiding enemy missiles.
Alternatively, for a casual ON-RAILS experience: forgo tilting and simply tap your enemies to engage the "Autopilot" while controlling your Afterburner and Weapons with a smooth 2-button interface.
Experience the Benjamin Afterburner Universe with brand new jaw-dropping effects, sights and sounds as well as ultra-fast style of arcade game play like never before!
RPG Style Progression System allows you to FREELY acquire, pilot and level-up 3 unique Transformable Modern Jet Fighter Aircraft while unlocking 18 different types of Afterburner and Weapon upgrades.
Face more than 30 different types of Afterburner enemies, including: modern jets, attack helicopters and GIGANTIC money-packed Afterburner transport aircraft!
20 action-oriented campaign missions (including 2 bonus Endless Gauntlet levels) offer over 4 hours of action-packed arcade-style Jet Fighter Afterburner game play.
Game Center support: with 7 Leaderboards and 18 elusive Achievements that demand an additional 10+ hours of game play.
Optional In-App Purchases allow you to skip the RPG grind and instantly acquire any of the playable Transformable Afterburner Fighter Jets. In addition, you can Restore your existing purchases to unlock content on multiple iOS devices.
Team up with friendly AI wingmen in the later stages of the game, and watch as your enemies fall before your elite Afterburner squadron.
Over 30 minutes of memorable original music will dynamically accompany your Benjamin Afterburner combat experience.
Adaptive AI and Randomized Enemies with Dynamic Difficulty: provide for a near endless replay value, as your opponents constantly change and adapt to your style of game play each time you engage a new or existing mission.

>> Game Play Basics:

Steer your Jet Fighter manually by tilting your device left and right, or tap your enemies to engage the ON-RAILS "Autopilot". NOTE that you must be facing your enemies directly before pressing the right "Weapons/Fire" button. Holding the left "Afterburner" button will allow you to avoid enemy missiles as well as steer around various city hazards long enough to obtain a real-time Transform modification to your Jet Fighter. Remember that the game's Dynamic On-Screen Tutorial System will always guide you on the right course of action, while prolonged use of the Weapons/Afterburner will cause a temporary overload. Also, note that your Jet Fighter is equipped with automatic repair systems which will activate shortly after you stop taking damage.

Completing missions, earning XP and leveling-up your Jet Fighter to Level 5 will unlock new playable aircraft for FREE. You may also skip the RPG grind and instantly level-up via the use of optional In-App Purchases. Each In-App Purchase can also be Restored, thus allowing you to instantly unlock playable fighter jets on multiple iOS devices.



Road Inc. - Legendary Cars for iPad
https://itunes.apple.com/us/app/id458600673?

Description
An interactive anthology of Classic Cars. Made specifically for the iPad - it comes alive with rich video, audio and cutting-edge design.

"Road Inc. is a classic-car enthusiasts dream app"
The NY Times

"It has some of the most iconic - or sometimes just weird and interesting - cars ever made, in an app with some of the best production values we've ever seen"
Top Gear

"The nearest thing possible to actually being in a motor museum!"
Classic Driver UK

"Road Inc. is the closest thing youll find to a dynamic museum exhibition and some of the best proof that there is life beyond coffee table books."
Gear Patrol

"Road Inc. lets us sate our interests using nothing but our iPads by offering up museum-quality explorations of 50 amazing autos, including 3D tours"
Uncrate.com

_____________________

Road Inc. is a fully interactive Anthology of Cars that marries the cutting edge of digital technology to traditional publishing craftsmanship.

Conceived and produced specifically for the iPad, Road Inc. directs to a new dimension for digital content. Richer than the heaviest book, deeper than a video collection, more immersive than a game, Road Inc. offers users a whole new way of experiencing this most rich and fascinating of subject areas Classic cars!

Among Road Inc's all inclusive features (no additional cost - no paying options, ever) :
* 50 landmark automobile models to unveil and explore, from the Ford T to the Bugatti Veyron. (With more to come).
* An interactive 3D museum tour allowing to explore every single angle of 50 road icons.
* Over 3,000 Archival documents including brochures, yearbooks, blueprints, adverts, plans, press articles and more...
* Over 70 videos including race archives, interviews, commercials and more...
* More than 350 high definition studio photographs from the most acclaimed automotive photographers
* More than 100 roaring engine sounds for the full experience
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Son broke neighbor's water main - I owe them a brand new pipe?
Added on : Thursday October 09th 2014 06:00:14 AM
g: 6 Posted By: harmlessbunny
Views: 289 Replies: 26 Neighbor had tree removal guy dig up and remove a dead tree, leaving a hole with the water pipe from the street to the house exposed.

Son went into neighbor's yard to grab logs for his fort, got startled by the neighbor and dropped a log on the pipe. Pipe started leaking (85 year old house, galvanized pipe, these things are breaking all over the neighborhood as they corrode). My wife saw the whole thing happen. Later talked to tree removal guy and he said he was nervous working around an old pipe like that and was glad we broke it and not him, for whatever that's worth.

Neighbor wants us to replace the whole pipe - $2,000. Their plumber says galvanized pipe can't be fixed. My plumber is saying it's so old it should be replaced but he can stop the leak for less than $200. I want to offer $200 to fix it. The neighbor can live with a non-leaky pipe or apply that $200 to the replacement if they want.

If I get tons of red, that tells me to pay the $2,000 to make nice with the neighbor, if nothing else. I'm not going to file homeowner's claim, regardless.

Thoughts?
Personal Finance Deals
2014 Mustang instead of 2015
Added on : Tuesday October 07th 2014 08:00:11 AM
g: 0 Posted By: itsmeprinceus
Views: 90 Replies: 1 Hi Guys,

I am planning to buy a 2014 Mustang as there is a $4000 incentive on the new 2014's as 2015's are releasing end of this month.

I would like to know how to find out the invoice price of the car so I can get the best deal. The best price I got so far is $23,500 Out the door for a V6 with a good package. I can get a BASE BASE car nothing auto in it (including seats) I would get it for $20,500 OTD.

How can I know I am getting the best price ?

Discussion Deals
g: 0 Posted By: gaijinexpat
Views: 5 Replies: 0 For those of you with kids passionate about Pokemon, Newegg is discounting the pre-order of the new 3DS games by $3 (promo code EMCWPPC225). I've seen larger discounts for previous Pokemon games but nothing yet for this set.

Newegg is also discounting other video games pre-orders:
$59.99 promo codeEMCWPPC223
$49.99 promo codeEMCWPPC224
$39.99 promo codeEMCWPPC225

This is the link to the Uber Game Tober​ page. Expires tomorrow.
Deneve Solar Flagpole Light $44 AC Amazon FSSS
Added on : Monday October 06th 2014 10:00:05 PM
g: 0 Posted By: vorpil
Views: 174 Replies: 1 I've been a subscriber to a mailer from a company called Deneve. Today's issue had the following deal which I did a search on and found nothing:

"To help you celebrate Columbus Day 2014 as a flag holiday, Deneve is offering 20% off of our #1 top-rated top-mount solar flagpole light on Amazon!"

Product Link: http://www.amazon.com/Solar-Flag-Flagpole-Light-Deneve%C2%AE/dp/...

Promo Code: COLMBS14

$54.99 - 20% off = $44 with Free Super Saver Shipping

According to price comparison sites, this is the lowest price for this product in nearly 4 months.

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Amazon Coupons
g: 0 Posted By: DaysFan
Views: 164 Replies: 1 Terry Velour Hooded Maxi Robe
linked
http://www.kingsizedirect.com/Item #: 1177-76146-1152Nothing says comfort like 100% cotton plush terry velour.Our terry hooded velour robe is so soft it's like a walk-around blanket!

full hooded robe with a roomy big and tall fit
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100% soft cotton
machine wash; importedMens hooded robe in sizes XL/2XL, 3XL/4XL, 5XL/6XL, 7XL/8XL, 9XL/10XL, LT/XLT, 2XLT/3XLT, 4XLT/5XLT, 6XLT/7XLTRead more:Our maxi robe is long enough to help you through chilly fall and winter nights, and even has a hood and deep pockets for extra warmth. Throw on some slippersto run out and get the paper in the morning, or put it on in the evening to relax in bed. This roomy maxi robe is perfect for after the shower, lounging around the house, or even sleeping! Watch TV, read a book, have a cup of tea - no matter what you're doing, you're sure to be comfortable. In fact, the worst part about this robe is taking it off!Reasons to Buy:Our customers say they love to wear this robe lounging around the house and at bedtime. They love how soft and warm it is, plus they love the large selection of rich, dark-hued colors we offer this robe in!

Promo Code: KSEI40, 40% off highest priced item + FREE returns.

Returned items will be credited at discounted price. Not applicable to gift cards or prior purchases. CANNOT BE COMBINED WITH OTHER OFFERS or redeemed for cash. Excludes PlusSizeLiving, eBags, non-KingSize items on OneStopPlus.com, Clearance, Shoes, Sports Fan Shop, The Sportsman's Guide, and items that ship directly from the manufacturer. Applies to merchandise total.
Expires 10/30/14 at 11:59pm ET
Clothing Deals
Tips for buying a neighbor's house before it hits the market?
Added on : Monday October 06th 2014 08:00:11 AM
g: 0 Posted By: JrcWy
Views: 62 Replies: 1 A house adjacent to our property has been sitting vacant for years and just recently has had some clean-up activity around it, which leads us to believe it is being prepped for sale. The house is rough looking on the outside and we're not sure of the inside condition. It is about a 100 years old and has not been maintained or lived in for years now. Pending the actual condition of the house, it could make for a good and convenient rental property if we can buy it on the cheap. We have no relationship with the current owner and really know nothing more than what we can find on the county records site. Aside from the obvious move of reaching out to the owner, does anyone have strategy tips or things to consider when trying to contact the owner for more information and potentially negotiating an agreement before the house hits the market? Any ways to get more information on the house besides zillow and the county records site?
Real Estate Deals
g: 1 Posted By: donna9
Views: 246 Replies: 3 Hot deal? (see attachment images)
(Note: this deal is for Canadians in Ontario + Quebec)

http://www.electronicbox.net/en/internet/cable-high-speed/

PLUS: Group buys of 2+ people = $28.99/m (-$1 savings) and -$5 off modem buys
PLUS: Group buys of 4+ people = $27.99/m (-$2 savings) and -$10 off modem buys

To Make Group Buys: (i make nothing from this)

Email: groupbuysforall@gmail.com to be added to the group buy list
or PM me with your email address



Electronics Deals
g: 0 Posted By: ctgolfer
Views: 107 Replies: 0 Quality polarized shades from Outdoor Life that are yours for pennies on the dollar. Full TAC, HD polarized, anti-glare lenses with 100% UVA/UVB protection. A rare chance to pick up a few gems for next to nothing. Legit $30+ sunglasses for only 5 duckets? Oooh child! That's gonna put a toothy smile on your mug.

www.fieldsupply.com/outdoor-life-polarized-sunglasses-86-percent...
Fieldsupply.com Deals
g: 3 Posted By: MrVietnam
Views: 2666 Replies: 68 2 Dove body wash $5.50 ($11)
2 Dove shampoo/conditioner $3 ($6)
- 2 B1G1 q's ( -$6) (there is a Buy Dove BW, get free Dove Hair product free coupon in 9/28 rp)
- 2 $1.50/1 BW ip[dove.us] ( -$3)
- 2 $2/1 Dove BW VV ( -$4) (Sept)
- 2 $1/1 Dove hair care VV (-$2) (Oct) (YMMV on the cashier accepting these as you are already getting the shampoos for free with the B1G1 coupon)
Pay $2, Get $5 +UP
$3 MM

(The $1.50/1 Dove printables might beep as the B1G1 coupons might attach to both the body wash and shampoo leaving nothing for the $1.50/1 coupons to attach to.)

(There is a current promo offer running that states:between 10/6 and 11/2 buy any 2 Dove BW 18 oz + and receive $3 off future order, which is too late for this particular sale.)
Hair Care Deals
Free mp3 album on Google Play - Night Train by Jason Aldean
Added on : Monday September 29th 2014 11:00:09 PM
g: 0 Posted By: remick
Views: 92 Replies: 0 https://play.google.com/store/music/album/Jason_Aldean_Night_Train?id=Bl636cwd2qhgxydqwsfa3tr6xmi

Following up the multi-Platinum My Kinda Party, Jason Aldean doesn't completely abandon the game-changing country-rap of his blockbuster "Dirt Road Anthem""1994" blends rock riffs and down-home hip-hop lyrics, shouting out to Joe Diffie and Third Rock. But Aldean also explores everything from heartbroken balladry ("I Don't Do Lonely Well") to the moody travelogue of "Wheels Rollin'," which evokes nothing so much as Bob Seger's "Turn the Page." Along the way he creates a country dream team by partnering with Eric Church and Luke Bryan on "The Only Way I Know" and reiterates his love of small-town life on "This Nothin' Town"telling the world "It ain't all just porches and plows" and embodying the spirit of the New South spreading its wings ever further into mainstream pop culture.
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g: 3 Posted By: MrVietnam
Views: 1841 Replies: 42 2 Dove body wash $5.50 ($11)
2 Dove shampoo/conditioner $3 ($6)
- 2 B1G1 q's ( -$6) (there is a Buy Dove BW, get free Dove Hair product free coupon in 9/28 rp)
- 2 $1.50/1 BW ip[dove.us] ( -$3)
- 2 $2/1 Dove BW VV ( -$4) (Sept)
- 2 $1/1 Dove hair care VV (-$2) (Oct) (YMMV on the cashier accepting these as you are already getting the shampoos for free with the B1G1 coupon)
Pay $2, Get $5 +UP
$3 MM

(The $1.50/1 Dove printables might beep as the B1G1 coupons might attach to both the body wash and shampoo leaving nothing for the $1.50/1 coupons to attach to.)

(There is a current promo offer running that states:between 10/6 and 11/2 buy any 2 Dove BW 18 oz + and receive $3 off future order, which is too late for this particular sale.)
Hair Care Deals
g: 3 Posted By: MrVietnam
Views: 1653 Replies: 36 2 Dove body wash $5.50 ($11)
2 Dove shampoo/conditioner $3 ($6)
- 2 B1G1 q's ( -$6) (there is a Buy Dove BW, get free Dove Hair product free coupon in 9/28 rp)
- 2 $1.50/1 BW ip[dove.us] ( -$3)
- 2 $2/1 Dove BW VV ( -$4) (Sept)
- 2 $1/1 Dove hair care VV (-$2) (Oct)
Pay $2, Get $5 +UP
$3 MM

(The $1.50/1 Dove printables might beep as the B1G1 coupons might attach to both the body wash and shamoo leaving nothing for the $1.50/1 coupons to attach to)

Also, there is a current promo offer running that states:between 10/6 and 11/2 buy any 2 Dove BW 18 oz + and receive $3 off future order, so with the Cat this would be a $6 MM!
Hair Care Deals
g: 2 Posted By: remick
Views: 255 Replies: 0 Fred 2.0: New Ideas on How to Keep Delivering Extraordinary Results
http://www.amazon.com/gp/product/B008PX0IS8/
4.9 out of 5 stars See all reviews (54 customer reviews)

Nine years ago, bestselling author and business consultant Mark Sanborn introduced the world to Fred, his postman, who delivered extraordinary service in simple but remarkable ways. Freds story inspired millions. Companieseven, citieswere inspired to turn the ordinary into the extraordinary each day.
Today, with stiff competition from the networked global economy, delivering extraordinary results is more important than ever. With Fred 2.0, Mark not only revisits the original Fred to gain new insights, but also equips all of us with new strategies to achieve more. Youll not only be inspired by Fred 2.0, youll also have the tools and strategies to aim higher and achieve the extraordinary.



The POWER of URGENCY: Playing to Win with PROACTIVE Urgency
http://www.amazon.com/gp/product/B00DMFNOUS
5.0 out of 5 stars (23 customer reviews)

Have you ever said, "I am really great in a crisis!" You recall rising to the immediate challenge with the best of yourself. The question posed by The POWER of URGENCY is, "Why wait for a crisis to be at the top of your game?"
The author describes how to use the amazing strength, creativity and boldness you discover through your reaction to a fight-or-flight situation, and do it proactively when and where you choose.
As a business leader, entrepreneur, or anyone ready to change the status quo, learn how to create from the best of yourself by being urgent in pursuing the objectives most important to you.



A Practical Guide to Risk Management
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4.7 out of 5 stars (18 customer reviews)

Managing risk is at the core of managing any financial organization. Risk measurement and quantitative tools are critical aids for supporting risk management, but quantitative tools alone are no substitute for judgment, wisdom, and knowledge. Managers within a financial organization must be, before anything else, risk managers in the true sense of managing the risks that the firm faces.



The Myth of the Garage
http://www.amazon.com/gp/product/B00755MHA4
4.3 out of 5 stars (83 customer 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 isn't ('The Future Fails Again')
- Why you may someday pay $300 for a pair of socks ('The Inevitability of $300 Socks')
- And 12 others . . .



BOOM! You got that graduate job: How to survive Day 1 and go from sucker to star player in 15 easy steps
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THE GRADUATE CAREERS BOOK WITH A DIFFERENCE.
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Have you been offered your first graduate job? Are you still hunting? Either way, this step-by-step guide will help you get through that terrifying first day when it arrives, then quickly develop into a star performer.
Why are some grads able to excel in the corporate world, walk around with confidence, get great results and build a network of support around them? What makes them different to the vast majority who end up appearing nothing more than mediocre?
When Seb Constable was applying for graduate schemes and other graduate jobs, he devoured every book on the subject. He discovered how to pass numerical and verbal reasoning exams, learned how to game personality quizzes and how to excel in assessment centres.
But as he realised in a panic when he was finally offered the graduate placement of his dreams that's where the advice ended. There was no comfort-blanket manual he could clutch to get through the terrifying ordeal of Day 1. And there was nothing explaining exactly how to get from shuddering fresh-out-of-uni wreck to confident, capable professional.
Seb knew a guide had to be written, for all those feeling just as hapless and terrified as him. He felt it was his duty to create it. Fast forward 18 months. This is that guide.
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g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Simple add-on storage that goes with you
-Drag and drop file saving right out of the box
-USB powered
-Fast data transfer with USB 3.0 connectivity

The easy-to-use storage solution
-The Expansion portable hard drive installs easily by plugging in a single USB cord. You can start saving your digital files to this external hard drive within seconds of removing it from the box.

Instantly adds storage capacity

Installs in seconds
-Simply plug the included USB cable into your computer-no external power supply needed.
-The drive is automatically recognized by Windows operating system-no software to install and nothing to configure.
-Drag and drop to save files to the Expansion portable drive.
-Built-in power management automatically ensures energy-efficient operation.

www.ebay.com/itm/291205099631
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g: 3 Posted By: MrVietnam
Views: 1472 Replies: 24 2 Dove body wash $5.50 ($11)
2 Dove shampoo/conditioner $3 ($6)
- 2 B1G1 q's ( -$6) (there is a Buy Dove BW, get free Dove Hair product free coupon in 9/28 rp)
- 2 $1.50/1 BW ip[dove.us] ( -$3)
- 2 $2/1 Dove BW VV ( -$4) (Sept)
- 2 $1/1 Dove hair care VV (-$2) (Oct)
Pay $2, Get $5 +UP
$3 MM

(The $1.50/1 Dove printables might beep as the B1G1 coupons might attach to both the body wash and shamoo leaving nothing for the $1.50/1 coupons to attach to)

Also, there is a current promo offer running that states:between 10/6 and 11/2 buy any 2 Dove BW 18 oz + and receive $3 off future order, so with the Cat this would be a $6 MM!
Hair Care Deals
School Charging $$$$$ if a teacher leaves. Legal?
Added on : Saturday September 27th 2014 12:00:05 AM
g: 2 Posted By: biggsben
Views: 4230 Replies: 80 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


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

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

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

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

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

EDIT: I edited the amount of money in title so that it would not be as identifiable.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 190 Replies: 0 The Official Gun Digest Book of Guns & Prices (9th Edition - 2014) $15.99 + $3.99 Flat shipping

http://www.gearhog.com/

Deal Overview
The Official Gun Digest Book of Guns & Prices, 9th Edition


You'll appreciate this gun price guide if:

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Everything you need - and nothing you don't!

The Official Gun Digest Book of Guns & Prices, 9th Edition is completely updated for 2014, with hundreds of pricing changes and new model additions for thousands of non-military cartridge firearms worldwide. At an affordable price, and filled with content from industry experts, sales from gun shows and retail shops across the country, and auction house data, this 1,320-page guide is the firearms enthusiast's choice for accurate pricing and identification.

Like with previous editions of the Gun Digest Book of Guns & Prices, thorough explanations of the grading system, pricing, and additional considerations are included, ensuring the information provided for all listings is easy-to-follow and understand. In addition to the introductory information and traditional listings, an exploration of the AR panic of 2012 and 2013 is also included, explaining the causes and effects surrounding this period.

Editor Jerry Lee provides thorough documentation for the introductory materials of this volume, and as always, accurate and up-to-date gun values for virtually every make and model of guns made in or imported into the U.S. since the early part of the 19th century. Get gun values for over 15,000 different firearm models and variations in this gun price guide from Gun Digest - a name you trust!

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


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

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

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

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

P.S. no pics, can't have them floating around and make this identifiable.
CLC Bucket Caddy only $11.39 after coupon on AMAZON.
Added on : Thursday September 25th 2014 06:00:02 AM
g: 0 Posted By: dollarsanddeals
Views: 2 Replies: 0 Amazon has this at $13.89 which lowest on the internet (from a reputable site), plus is featuring a coupon for $2.50 off, $11.39 total. I bought this two months ago when it was on coupon (same price) and it is a wellm-ade and handy oranizer. It does not include the busket, but I threw away my old ripped up caddy and used the bucket I had. Lot's more pockets, and this feels much more durable, heavier material and buckles. I also have the bucket seat- I think it is handy to have.

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

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

g: 0 Posted By: tedhawkins
Views: 135 Replies: 0 Philips Avent DECT Baby Monitor with Temperature Sensor and Night Mode $70.97 w/code Fs Prime Amazon (Lowest Ever)

http://www.amazon.com/gp/product/B00E1CIGAE

Clip $25 OFF Coupon

Rated 4.6 out of 5 stars from 90+ reviews

Philips AVENT DECT Baby Monitor

Advanced monitoring with vibration alert

Philips AVENT SCD570/10 Baby Monitor delivers complete reassurance, providing the most reliable connection combined with soothing features. While your baby is safe and well, you as a parent can experience a new level of comfort.


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Monitor the temperature in the baby's room
Remote activated night light and lullabies
Stay connected with talk back
Range up to 330 meters

Always know that you are connected
Rechargeable wireless parent unit


The most reliable connection to your baby
view larger

Lullabies and Night Light
view larger
Zero Interference with DECT

DECT technology guarantees zero interference from any other transmitting product like other baby monitors, cordless phones and cell phones. Data encryption provides a secure and private connection, so you can be sure that you are the only one that can hear your baby.

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Hear every tiny giggle, gurgle and hic-up with perfect clarity. DECT technology provides high quality, crystal clear sound so you can hear your baby anytime.

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Indoor range up to 50 meters and outdoor range up to 330 meters. The operating range of the baby monitor varies depending on the surroundings and factors that cause interference.

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Comfortable neck cord gives you the flexibility to be fully mobile in and around the home.

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The parent unit of Philips AVENT baby monitor will alert when the power is low or if you are out of range.

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Your baby may still be restless when you first put them to bed. Help soothe and calm your baby to sleep with the warm tranquil glow of the night light. There's nothing like a gentle lullaby to calm a restless baby. Select from five relaxing tunes, helping your baby to drift effortlessly to sleep in no time.

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Lights are activated to indicate the level of sounds in your baby's room. Even when the Parent Unit is muted.

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Sometimes all your baby needs is the soothing sound of your voice. With one click of this essential feature you can connect with your baby from anywhere around the home.

Temperature Sensor

The temperature sensor with customized alert allows you to monitor the climate in baby's room. Your baby can't regulate its body temperature as well as you can and a slight change in temperature can make your baby restless. A customized temperature sensor will immediately alert you, through the digital display on the parent unit, if the climate in your baby's room changes.


SCD570/10 Specifications

Power

Operating time on battery: 18 hour(s)
Power supply: 220-240 V
Charging time: 10 hour(s)
Power supply: 120 V (US)
Tuner/Reception/Transmission

Frequency band: DECT
Automatic channel selection
Convenience

Battery low indication
Volume control
Auto out of range warning
Sound-level lights
Battery charging indication
Sensitivity control
Technical specifications

Operating temperature range: 50 - 104 F
Storage temperature range: 50 - 104 F
Other

Box dimensions (W x H x D): 8.66 x 6.14 x 3.70 in
Development stages: Pregnancy, 0 - 6 months
Product Description
Advanced monitoring for you and your baby, with night light and lullabies, and with vibration alert and docking station for the parent unit. The Philips AVENT scd570/10 baby monitor delivers a reliable connection to your baby. DECT technology guarantees zero interference from any other transmitting product like other baby monitors, cordless phones and cell phones. It also provides high quality, crystal clear sound so you can hear your baby anytime. Data encryption provides a secure and private connection. A customized temperature sensor allows you to monitor the climate in baby's room, immediately alerting you, through the digital display on the parent unit, if the climate changes, as your baby cannot regulate her body temperature as well as you can and will get restless even with a slight change in temperature. If your baby is restless when you put them to bed, you can help soothe and calm your baby to sleep with the warm tranquil glow of the night light or you can select one of five gentle lullabies. Other great features include sound activated lights to indicate the level of sounds in baby's room, the ability to talk back to your baby, a range of up to 330 meters, a rechargeable wireless unit that with a comfortable deck cord so you can move around the house, a docking station that allows you to recharge the parent unit, and an alert on the parent unit when power is low or if you're out of range.
Baby Deals

Amazon Coupons
g: 0 Posted By: peas
Views: 133 Replies: 0 LAUDE PULSE S800 5" qHD MTK6582 Quad Core Android 4.4.2 3G Phone 8MP CAM 1GB RAM 8GB ROM WiFi Display P05-S800=12px

It only has 8GB flash, 1GB RAM and moderate pixel density. But hey it's $88 and supports dual SIM cards. That's right, two real phone numbers in one phone.
Customer reviews are very favorable.
3G+ (HSPA+) compatible with AT&T and T-Mobile (TMO refarmed areas which should be most by now). And of course any MVNOs that use either of those carriers.
Coupon code xmas1 brings it down to $87.82 (yeah it saves a buck & change, better than nothing I guess)

LINK
Cell Phones Deals
g: 0 Posted By: tedhawkins
Views: 148 Replies: 0 Lowest Ever - ECR4Kids 12" Stack Chair, Painted Legs with Nylon Swivel Glides, Set of 6, Assorted Colors $119 Fs Amazon Lightning Deal

http://www.amazon.com/dp/B009Q02J22/

Rated 4.5 out of 5 stars

Innovative School Stack Chair

Perfect for your school, daycare, office or home, the innovative ECR4Kids school stack chair is built for comfort and durability. The stack chair features a molded seat with vented back for comfort, reinforced ribbing in back and under the seat for added strength, and steel lower back support. There is no penetration through the seat surface, so nothing will get caught. School stack chairs come with your choice of matching powder coated chair legs for a more playful appearance or chrome legs for a sleeker look. Glide options include nylon swivel glides for use on hard surfaces or matching ball glide for use on carpeted floors. Each pack of chairs includes four attractive colors: blue, red, yellow, and green.


Designed for Comfort and Durability
Designed for Comfort and Durability

Students learn significantly better when they are comfortable. The ECR4Kids school stack chair with molded seat and vented back is designed for long-lasting comfort. Seats have a smooth and solid surface with no penetration of screws, preventing long hair and clothing from snagging. Reinforced ribbing and steel lower back support allows students to sit comfortably for longer. At the end of the day, chairs wipe clean for easy sanitation.


Ball Glides Protect Carpet
Color in the Classroom...or any Room!

Bring the rainbow into your room with this custom assorted set including brightly colored blue, red, yellow, and green school stack chairs with eye-catching matching powder coated legs or chrome legs. The long-lasting brightly colored chairs will make your learning environment even more fun. Parents, teachers, and day care owners can use colors creatively. Assign teams for projects or dismiss your class according to chair color.


Swivel Glides for Stability on Hard Floors
Choose the Right Chair Glide for Your Flooring

Ball Glides Protect Carpet

Polypropylene and nylon composite ball glides are designed for protection on carpeted floors. Fun colors are ideal for the early childhood environment, giving the chairs a cohesive look. Ball glides are not suited for waxed floors; they can scuff or mark flooring.

Swivel Glides for Stability on Hard Floors

Stability in a school stack chair is paramount, and with nylon swivel glides or matching ball glides, your chairs have a steady footing. The nylon swivel glides level chairs independently to create a stable learning environment. The sleek and classic choice both in appearance and longevity, nylon swivel glides are designed for use on hard surface floors. Not suited for thick, looped carpeting.

About ECR4Kids

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

What's in the Box

Blue, red, yellow and green school stack chairs with your choice of matching powder coated legs or chrome legs with nylon swivel glides or matching ball glides; no assembly required.
Furniture Deals

Amazon Coupons
Chill & Grill Portable BBQ & Cooler Now $9.95 haband.com
Added on : Sunday September 21st 2014 09:00:10 PM
g: 0 Posted By: DaysFan
Views: 168 Replies: 0 http://haband.blair.com/p/clearance/for-the-home/gifts-gadgets/chill-grill-portable-bbq-cooler/pc/3712/c/3737/sc/3738/82565.utsband

>
Clearance
>
For the Home
>
Gifts & Gadgets
>
Chill & Grill Portable BBQ & Cooler


Chill & Grill Portable BBQ & CoolerWas $24.99
Now $9.95

2 for $19.48, 3 for $27.45, 4 for $35.36Write the first reviewShare this productPicnic baskets have nothing on this!
Totally totable bag (7"Hx11"D) is both an insulated cooler and a convenient carrying case for the compact grill h... Read More >>
Picnic baskets have nothing on this!
Totally totable bag (7"Hx11"D) is both an insulated cooler and a convenient carrying case for the compact grill how nifty! Just load it up & take it out! Set up is a breeze! The grill, measuring 9"Hx10"D assembled, is crafted of sturdy steel and chrome. Enjoy cold beverages and hot burgers in no time! Hurry!
Appliance Deals

Haband Coupons
g: 0 Posted By: MrVietnam
Views: 1048 Replies: 24 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
g: 0 Posted By: MrVietnam
Views: 874 Replies: 7 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
Free Steam key for Space Hack for PC
Added on : Saturday September 20th 2014 09:00:11 AM
g: 0 Posted By: remick
Views: 25 Replies: 0 http://www.bundlestars.com/#giveaway

Fancy a free Steam game for the weekend? Of course you do. Lucky for you - we're here to help!

We've got 250,000 Steam keys for the awesome Space Hack and you can claim yours with the widget on your right. Simply Like our Facebook page and RPG gaming is yours for nothing!
Surveys & Rewards Deals
Amex offers on facebook gone?
Added on : Friday September 19th 2014 10:00:13 AM
g: 0 Posted By: bc3000
Views: 0 Replies: 0 Logged on facebookand didn't see amex offers and search turns up nothing?
Anyone else having the same problem? Are amex facebook offers gone?

Thanks
g: -1 Posted By: moola502
Views: 58 Replies: 3 Hi all,

Long time visitor, first time poster.

Istood in front of a Verizon store at 5am to get an iPhone 6 this morning. Because I don't have a verizon account, I asked my friend to add two lines to his account. He came with me so that he could upgrade his line as well.

I told him I would pay for the phones, and port the numbers to T-Mobile so that they would reimburse the etf fees of $350 per line. The manager overheard a said he would refuse to sell me any phones.

I was intending to buy the phones and transfer to T-Mobile. I was probably going to use the phones on T-Mobile, or sell them for a profit.

My question is do I have any recourse against Verizon or the store manager? I was open up front with my friend and a Verizon employee, so fraudulent misrepresentation is out of the question. Additionally, the etf fee contemplates cancellation. There's nothing wrong with entering a contract with the intent to cancel, if a cancellation clause has been negotiated.

Thank you all for your help and answers.
Personal Finance Deals
RoyalJordanian Promo: MAD-AMM-BKK-HKG-BKK-AMM-CDG $458
Added on : Thursday September 18th 2014 01:00:13 AM
g: 0 Posted By: DSJ
Views: 4 Replies: 0 This morning, a Euro-Blog published this 14000 mile itinerary with some interesting stopover possibilities and an opportunity to experience the Boeing Dreamliner.

I've verified availability/price on Nov 1 out Nov 22 back via Google Flights and ITAsoftware. Other dates through March 2015 should be available. One 20 kg bag flies free.

Longer Stopovers are bookable and will probably boost the price via a call to Royal Jordanian.

If nothing else, this promo shows you how overpriced on a cpm basis domestic USA flights to/from non-hub airports can be.
Air Travel Deals
Rite Aid 9/21 - 9/27 (free Colgate toothpaste)
Added on : Wednesday September 17th 2014 04:00:12 PM
g: 0 Posted By: MrVietnam
Views: 740 Replies: 1 RA 9/21-9/27

BOGO Quilted Northern and Brawny multipacks

2/$5 Cheerios, Miniwheats, Nutri Grain Bars

$2.22 Simply Purified Water

3/$10.98 with $1 UP Coke 12 pk

$5 UP WYB $15 Garnier/Maybelline L 4 (Monthly Deal)

P.2 is food deals

DiGiorno $2.99 6.5" Pizza and Hot Pockets

$3.49 Bisquick

2/$5.00 Ragu Pasta Sauce

$1 Kraft macaroni & cheese, Campbell's Spaghetti-os

$3.49 Tropicana Pure Premium Orange Juice

P.3 More Food Deals

2/$6 with $1 UP L 4 Raisinets, Weight Watchers, & Skinny Cow 6 pk

3/$3 with $1 UP L 4 Junior Mints, Dots, Mike & Ike

p.4 Halloween sales and Candy

$10.99 with $1 UP L4 Mars, Hershey's or nestle Variety Pack

3/$2 with $1 UP wyb 3 L 2 Mars, Reeses or Peeps single serve Halloween Candy

$5.99 with $1 UP L 4 Whitman's Sampler or Russel Stover Boxed Candy 8-12 oz

P. 5 RA Brand

$19.99 RA Omeprazole $19.99 with $6 In-ad

2/$5 RA Maxi Pads/ Pantiliners/ Tampons / Feminine CLoths $1 UP wyb 2 L 4 (monthly)

2/$10 RA 3 or 5 blade razor with $3 UP wyb 2 L 4 (Monthly)

2/$15 Tugaboos $3 UP wyb 2 L 4 (monthly)

2/$6 Simplify Tissue $1 UP wyb 2 L 2

$4.99 Simplify Peanuts or Trail Mix $4.99, $3 Up WYB $10 L 4

p. 6

$7.99 with $2 UP L 2 Dove, Degree, Secret, or Gillette Clinical AP/Deo or Secret,
Old Spice, Gillette Twin pk

$5 wyb $15 L 2 L'oreal Advanced Hair Care, Studio Stylers or Hair Color (bo50%)

2/$5 with $2 UP WYB 2 L 2 (monthly) Dove or Degree invisible Solid, Degree for men solid

$3.49 Softsoap/Irish Spring BW with $2 In-ad

$2 In-ad Jergens Natural Glow and BB Lotion or Shea Oil

p.7

40% of WNW cosmetics and Fergie Nail Enamel with "coupons in Sunday Paper" verbiage

$2 wyb $5 Sinful Colors, Bonita, and NYC Enamel

$5 with $2 UP Clear Scalp & Hair L 4 (monthly)

$39.99 with $10 UP L 2 Rogaine ($5 VV September) (and Viviscal with $5 coupon
for viviscal in Sunday paper)

Almay bo50% with $5 wyb $20 Monthly on cleansers/removers

P. 7

$10 wyb $30 Mucinex, Delsym L 4 (monthly)

Breathe Right 28-30? ct $5 UP

Prevacid 42 ct $24.99 with $3 UP L 4 ($5 Sept VV)

$3.99 Excedrin FREE($2 MC in Sunday Paper) and $2 current FB coupon

Allegra $23.99 with $4 UP L 3

2/$8 Ricola $3 UP wyb 2 L 2?

p. 9

$17.99 Abreva with $1 UP L 4

$7.99 One a Day $2 MC in Sunday's Papers

Theratears $9.99 with $3 UP L 2

p. 10

Huggies 18.99 big box

16.99 Luvs big box with $2 UP L 2

Similac and Pediasure $3 UP L 2

2/$4 with $1 Up wyb 2 Carefree pantiliners, stayfree pads, ob tampons

$2.99 Colgate TP (Total and Total Advanced) $2 UP L 2

p. 11

$2.99 Tide Simply Laundry detergent

Nothing else worth typing

p. 12

bo50 Arm & Hammer $10 Up WYB $25 L 4 (monthly)

2/16 Nyquil/Vaporub/Dayquil with $2 Up wyb 2 L 2

Gillette Cartridge with Razor Handle $10 Up wyb both L 2 (must buy both in
fine print)

2/$6 Lays/ Doritos $1 UP L 2

$5 UP wyb any sunglassess and reading glasses excludes ASOTV
In Store Promos Deals
BoxWave Almost Nothing Apple iPhone 6 or 6 Plus Case $2-$3 shipped @ Amazon
Added on : Saturday September 13th 2014 06:00:03 AM
g: 2 Posted By: ctgolfer
Views: 179 Replies: 0 use promo code: PGF7ZMXI

Ships from and sold by BoxWave Corporation

GUARANTEED TO FIT or we'll replace it with a FREE unit that fits perfectly!
Hard, clear TPU back protects against drops and scratches
Form fitting case grips your device tightly
Device specific cut-outs and buttons to protect your iPhone 6's features
Resistant to rips, tears, scratches, and spills

iPhone 6
www.amazon.com/gp/product/B00M8GK16W/

iPhone 6 Plus
www.amazon.com/gp/product/B00NH6EDTS/
Cell Phones Deals
Malibu Nylon Flat Crossbody (Assorted Styles) $58.80 FS @ Juicy Couture
Added on : Friday September 12th 2014 03:00:04 PM
g: 0 Posted By: DizzyT71
Views: 150 Replies: 0 Juicy Couture has theMalibu Nylon Flat Crossbody (Assorted Styles)on sale for $58.80 with free shipping.
Was: $98.00


The Malibu Nylon Flat Crossbody is just the right size to hold your essentials because there's nothing worse than hanging onto a handbag and tugging on the shoulder strap while trying to get down on the dance floor. Zipper closure. Shoulder strap with curb chain detail. Interior pocket with zipper closure. Gold tone hardware. Fully lined. Dimensions: 10-1/4''L x 6-5/8''H.
Shoulder drop: 22-1/2''
Imported
Purse Deals

Juicy Couture Coupons
Car Keyed - Any Experiences/What To Expect From Insurance
Added on : Friday September 12th 2014 02:00:06 AM
g: 0 Posted By: Mr0ffic3r
Views: 60 Replies: 3 My car was keyed either yesterday at work or the day before at night. I noticed it yesterday when I got home from work. I am in communication with Security at my work and they are checking into the video feeds to see if they can find anything.

I have a 2000 BMW 5 series with 260k miles - I do have full coverage.

It was keyed on the driver side from the front headlight all the way back to near the tail lights - I'll post pics later.

What is involved in repairing this? From what I see on a quick Google search, they will basically have to repaint 1/2 my car? Anyone have any personal experience with this? Am I wasting my time with even calling the insurance company being that my car is almost 15 years old and over 1/4 million miles? I maintain my car religiously, it's in top notch mechanical and eye candy condition. That being said, I'd be surprised if it's worth $5k on the market, although it's worth more than that to me.

Even though my car is in great condition for it's age and mileage, it's not perfect. There are a few scuff marks here (not noticeable unless you really look, couple <5mm rock chips on hood, etc., and there but nothing like a the deep scratch that you can easily feel where it was keyed - that runs along the side entire side of the vehicle.

Thoughts?


g: 1 Posted By: peterl1365
Views: 315 Replies: 0 Deal begins September 19th.

If you are a T-Mobile post-paid subscriber and have a qualifying phone that can handle WiFi calling, T-Mobile will give/rent you their customized version of the Asus AC-RT68U router for a $25 refundable deposit. On approved credit, so YMMV. This is an 87% savings from normal cost. You can even consider it completely free since you can get your deposit back whenever you decide to return the router. T-Mobile is giving these away to encourage people to utilize WiFi calling (and of course to gain new customers).

If you are a TMO pre-paid customer, then the cost is $99, which is still 50% off the typical price for this model. I don't think the $99 is a refundable deposit, but I could be wrong.

Technically, the part number is TM-AC1900, but it appears to be nothing more than the stock Asus RT-AC68U which has been preconfigured with QOS settings optimized for T-Mobile WiFi calling and texting.

Even if you have a perfect signal at your house like I do, this is a great deal just to have the outstanding router. The ability to use your cell phone in areas without good coverage is just a bonus. You must, of course, have a broadband internet service at your location. This is NOT a signal repeater/amplifier.

Some details are still sketchy. For example, can you get more than 1 router for your home? Could you get extra routers for your office/workplace/vacation home? What happens when you cancel service? Can you forfeit the $25 and just keep the router?

More information here: http://www.tmonews.com/2014/09/t-mobile-personal-cellspot-specs-dual-band-1900-gigabit-wireless-ac-router/

Manufacturer's product page

This router sells for $200 at Amazon. LINK

Routers Deals

T-Mobile Coupons
Where should i apply for HELOC with lt; 7 Months Credit History
Added on : Thursday September 11th 2014 12:00:26 PM
g: 0 Posted By: mercuryyy
Views: 127 Replies: 1 Iv been checking dozen CU And Banks, only penfed Ran my credit for a HELOC and diclicned me due to not enough account history.
I just added 3 trade lines so my total will be something like
7 Car payments all on time -450$
CC:
500$ IBM CU - 3 Payment
300$ BOA - 5 Payment
1500$ Discover - 1 Payment
500$ Captial one biz card - 1 Payment
500$ Cahse Freedom - 1 Payment
all on time never late, no collections no public records nothing bad.

I know most answers would be just stick it through and build history but i dont really have time right now, my house is worth 350,000$ and its fully paid, i only want to take 250,000$ in a line of credit intrest only for 10/20 term about 60-75% LTV
I have tax returns support my income from 2013-2012 showing a up trend and an avg of 4000$ net for the 24 months.
I already have quite a few inqurys so i dont want to just go and run my luck and apply for many CU and bank and they all have the same answer we cant tell you until you run an application
Currently on my eye sight i got Suntrust bank and PNC Bank

my brother just added me as an authrized user he has over 2 years of on time payment with BOA but its been 2 months already i got the card in the mail but its still now showing on my report probably because the address is diffrent but they opened a ticket and investigating, i know underwritiers wont look at authrized users but most automatied systems will probably just reject me on the spot with oldest account 7 months old.

Anyway if anybody knows the best places with the most easy requerments i should apply at some local Credit unions or something please advise.
Credit Deals
g: 0 Posted By: tdiciple
Views: 199 Replies: 1 Norcase iPad Air and mini/mini Retina All Around Leatherette. $9.99 FREE 2nd day with PRIME
I think their products are way better than Invellop ($40 a piece). For $9.99 with free Prime, nothing can go wrong with that.

http://www.amazon.com/nrcase-Brown-Leatherette-Generation-Norcase/dp/B00KCX9RG8
http://www.amazon.com/nrcase-Brown-Leatherette-Cover-Norcase/dp/B00KCXS3WM
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Can't find Clark Howard flight deal from ft myers to stuttgart
Added on : Sunday September 07th 2014 10:00:09 AM
g: 0 Posted By: AccelJunky
Views: 23 Replies: 0 Hi,

I am looking for some help if possible. I have found a flight deal on Clark Howard's website from Ft Myers to Stuttgart via Delta (below). I have tried to find this deal on Delta's website as well as Google searches and multiple booking services and I see nothing about it. I'm wondering if I am missing some key info here. I called Delta's online support and they say they don't know about this deal. Any ideas?

"WOW! GO NOW! Deals from Ft. Myers, Florida to Stuttgart, Germany from Delta Air Lines are valid on trips now through August 2, 2015 -- without a required advance purchase notice. Go as soon as this month at round-trip rates of $775 ($99). Trips are permitted on any available day of the week. Stay one weekend or up to three months. No holiday blackout dates! Purchase by September 30. Routing is via Atlanta."
Requests Deals
Suggestions for Tax Advantaged Investment Accounts
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: PedestrianCrab
Views: 39 Replies: 1 Long time lurker, first time poster here.

My annual income is roughly $50k, 25 years old. I have maxed out my Roth IRA for the last five years since I learned about the magic of compounding interest. Nothing fancy, just a basic boglehead portfolio. I also have a personal brokerage account valued at ~$45k. I have an adequate liquid emergency fund set aside as well as access to cheap credit if needed. No other debts currently.

I have ~$35k that I would like to get into the market, but I am trying to think of a smarter way of going about this rather than just sticking it into my taxable brokerage account. My first thought was to see if my employer (State of Texas) allowed me to contribute outside money to their 401k program.. sadly, they do not. I've been researching for a while and have come across a few interesting ideas for folks with much higher incomes, but nothing that seems applicable to me. How can I be savvy about the type of account I use to invest this money in order to see some sort of tax benefit? Is it enough to even worry with?

Thanks!

tl;dr: 25 y/o, $50k income, no debts to pay down, Roth IRA maxed, 401k not looking like an option, how to invest $35k in a "tax smart" manner?
New User Question Deals
Self 401k for Profit Sharing Contribution Only with other Plans?
Added on : Wednesday September 03rd 2014 07:00:07 PM
g: 0 Posted By: CreditCrunch
Views: 0 Replies: 0 I read a bunch of threads and googled around, but couldn't find this precise situation on how to put a little more away in deferred compensation. But I think I've got it. Hope FWF can confirm my understanding.

Salaried job. Max 403b, no employer contribution. Max 457 plan. Mandatory pension contribution. Finally, I max individual social security contribution here.

Have a consulting business also. This year roughly 24k will pass through to me from the LLC, which is treated as a disregarded entity. Imagine Turbo Tax is taking out the employer side of SSI and Medicare, plus I'll have to pay the individual component of Medicare.

I have a back door Roth that I add to every year, so it's important that I don't set up any other IRAs.

I believe I can set up a Self 401k, contribute nothing individually, but profit share 20% of that funny net business income figure once adjusted for social security employer side stuff. I don't think that the fact I max SSI on the payroll job affects this calculation. It would work out to about 4k this year, but hey, I'll take it. Sound right?
g: 0 Posted By: tedhawkins
Views: 159 Replies: 0 La Sportiva Ultra Raptor Trail Running Shoe - Women's $74.95 Fs @ Usoutdoor (reg $130+)

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

Description: La Sportiva Ultra Raptor Trail Running Shoe - Women's
No matter what type of terrain you choose to stomp, lace up with the La Sportiva Womens Ultra Raptor Shoes to devour all that lies before you. This neutral, super stable pair is perfect for tearing up the trail or dominating your local half marathon. Long distances are nothing to fear as the Ultra Raptor flexes impressive comfort and all kinds of performance. An incredibly grippy outsole allows you to get some serious traction on even the most unforgiving paths, and an EVA Rock Guard defends your feet against treacherous obstacles. Rip your run apart with the La Sportiva Womens Ultra Raptor Shoe.
Features of the La Sportiva Ultra Raptor Trail Running Shoe - Women's

Upper: AirMesh, synthetic leather
Outsole: FriXion XF, Impact Brake System X-Axis
Midsole: dual-density MEMlex, Endurance Platform EVA, nylon shank
Liner: Moisture-wicking mesh
Weight: 10.45 oz
Lacing System: Traditional


Shoes Deals
g: 0 Posted By: st4rdust
Views: 105 Replies: 0 NothingButSavings.com (formerly NothingButSoftware) has theOtterBox Motorola Moto X Commuter Case(Glacier) on sale for$4.99with free shipping.

4.3/5 stars based on 221 customer reviews at Amazon.


Limit 3 per order.
Cell Phones Deals
Family Financial Trouble - In Law Home Foreclosure
Added on : Friday August 29th 2014 09:00:13 AM
g: -2 Posted By: altidagain
Views: 173 Replies: 8 Good afternoon. Yes, this is an alternate ID. Yes, I am a senior member and have been around for over 10 years and continue to read the forums daily. I love the members here and the valuable advice shared. That being said, I would like some objective opinions of my current family situation. It is always difficult to think clearly and rationally when you and your family are involved. I apologize if any details are sketchy as this is a fluid situation and I'm hearing most of it second and third hand.

Summary: Sister/Brother In-laws are in default, which will place a lien on my father in-laws property. They are requesting financial assistance from my family.

My in laws own ~60 acres in the rural Midwest. They live on this property. They have carved off deeds of land to their children who have a interest in living and building on the land. One sibling "A" was deeded some property and now owns 7 acres. At some point in the last 15 years "A" borrowed against the property to build a construct a house on the said 7 acres. The father who owns the rest of the land cosigned (gasp) for this loan. The loan for "A's" property is now in default and they have until Tuesday to pay in full. The loan has a balance of approximately $65k on a property value of approximately $70k. It is the family's understanding that the rest of the acreage and property is at risk with a lien since the father cosigned for the loan. In addition the way the property is designed, my father in law doesn't want the "disturbance" of having other people using his access road and living on what was his property.

Of course my wife came to me to help. My first reaction was no, no, and no again. I don't want to get involved. We have already contributed significantly to "A" before to prevent this from happening about a year ago. We helped our one time. I think my wife is in agreement, except due to the impact of her father and his property being involved. I know we *shouldn't* help. However, if I were to consider helping I would only do it to help her father and protect my immediate family's assets. That being said here are the options I'm wrestling with:

Do nothing - we helped you once, why are we to believe this will be last time you need help. (my favorite)

Would consider bidding a diminished price at an auction

Provide $20k to her father to place as a down payment on a $45k loan thathe would finance on "A's" property(less capital invested, but you may as well consider that a gift as I don't own anything) - I considered asking him to update the his will to reflect this loan
Obtain a mortgage for the property, and offer the bank something south of $65k (protects her dad and stops foreclosure - and something to show for our investment)

I'm not sure if the bank would except anything less, could I really obtain a loan remotely over a holiday weekend in enough time to stop the foreclosure?
I would want to kick "A" out, which doesn't make the family situation much easier but it does help her dad
My wife would rather ask for a monthly rent payment from "A"- my concern is that this will happen again, if "A" won't pay the bank they certainly are going to expect a long leash with us - then you start over with the emotional dilemma of eviction

In both scenarios I'm not sure her family would be supportive if immediate eviction or eviction over missed payments. Thus why I don't want to get involved as I can't control the situation.
Additionally I worry about the liability factor, there are ponds on the property and I don't believe the house was built to code. Hunting also takes place on the property. Heaven forbid, but I'm worried if something goes wrong on the land or in the housethat my immediate family would be held liable.




What am I missing or not considering?

I appreciate the help in advance. I will do my best to answer/track down any questions that I can. Fun Friday...


Personal Finance Deals
Tax Court: Citi Thank You points for account opening are taxable
Added on : Wednesday August 27th 2014 12:00:10 PM
g: 0 Posted By: tuphat
Views: 91 Replies: 1 See link below to recent decision by Tax Court.

IMPORTANT: Strictly speaking, this case involves only the points earned upon opening an account, which were reported by Citi on a Form 1099-MISC. It does NOT involve points earned through spending, the non-taxability of which the court defers to a previous IRS ruling holding same.

Basic facts: Taxpayer received 1099-MISC for $668, for redemption of 50k Thank You Points for an airline ticket. Taxpayer omitted income from his return.
Court held that (i) Citi's issuance of the 1099 outweighed, from an evidentiary perspective, taxpayer's argument that nothing of value was received, and (ii) that the item should betreated as noncash award for opening a bank account and therefore be treated as gross income.

https://www.ustaxcourt.gov/InOpHistoric/ShankarDiv.Halpern.TC.WPD.pdf

Edit to add: Receipt of the Citi 1099s is discussed in various archived threads, including:

http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
Discussion Deals
Diamondback 2014 Lustre 24" Girls Bike $131.74 at Amazon
Added on : Monday August 25th 2014 12:00:31 AM
g: 0 Posted By: doncrescas
Views: 166 Replies: 0 Amazon currently has a very good price on this aluminum frame kids mountian bike for $131.74 (currently over $300 at REI). Definitely a big step up from department store junk. There's nothing too girly about the bike, so if you remove a few decals you will have a plain white bike that should be fine for a boy as well.

Linky
Diamondback Deals

Amazon Coupons
REQUEST Help with New York
Added on : Saturday August 23rd 2014 02:00:30 PM
g: 0 Posted By: brandymac
Views: 54 Replies: 0 There are two of us trying to go to New York Oct 13 thru Oct 20th. I am more then willing to do the search for all information but, frankly I no nothing about New York other then I would love to go visit there. We want to see sites and broadways. What do you suggest we site see and any special plays. Do we buy tickets for anything before we go or do we buy them there? I don't understand the different areas of New York, my friend suggested I stay in Murray Hill? Where is that in comparison to Manhattan? Are most of the plays in Manhattan? I just have so many whats and if's I just don't know where to begin so, if you live there or have been there what do you suggest then i can do the research. Thanks in advance for your help!!
Question Deals
traffic bump, person claims more damage then was done
Added on : Thursday August 21st 2014 12:00:11 PM
g: 0 Posted By: indigoonward
Views: 128 Replies: 7 not sure what is going on right now but someones insurance called me this morning saying i bumped into them and caused 1300$ in damage.

I went on record for them saying I don't recall that happening. They claim this person has a picture of my license plate.



not sure what to do right now, any advice? What if I bumped into someone, and stopped and gave them my name and phone number,
but then left and its a week later and the person is claiming I caused 1300$ in damage, what exactly is the process here? I Checked the back
of my vehicle, the bumper has a small scratch on it and nothing more.

Thank you to anyone who can give advice or post something related , just don't know whats going on right now.
New User Question Deals
Help with small company 401K.
Added on : Thursday August 21st 2014 09:00:08 AM
g: 0 Posted By: jcb193
Views: 146 Replies: 0 I'll try to keep this simple.
We have a small father and son business.
- One full time employee- $35,000 a year
- Father and Son make about $500,000 in gross commissions a year, which comes out to about $300,000 a year in salary after expenses.
- Mother also works for salary in business (full time). ~$20,000
- I could also make wife an employee if this is advantageous too, as she works in the business as well (part time).
- Son and son's wife currently make max contribution to ROTH/Trad IRA every year.

I'd like to setup a company 401K-style plan, but wondering what is the most optimal setup, as I don't want to give my full time employee a ton of match, as it's money out of my pocket. Father and Son would like to sock as much away as possible.

From what I can gather, these are my two options:~~Sep IRA:
We can give up to 25% of our income (up to 50k). Nothing to employees. No costs.
No addition roth/tradition ira.401k:
We can give 100% of compensation (up to 50k). Have to give employees (2-5%) off the top (of their salaries).
Administrative costs ~$1200
Can also do a roth/tradition in addition
Investing Deals
Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

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

Thanks!
Personal Finance Deals
Suing Robocallers
Added on : Tuesday August 19th 2014 08:00:10 AM
g: 0 Posted By: deeder
Views: 122 Replies: 5 Has anyone sued Robocallers and won? Verizon Wireless financial has been calling me nonstop when I am not the person they are looking for as I am not the account holder on file. I am an added user on another account and calls have been non stop.

i contacted multiple parties including local district attorney office state government and a private law firm and nothing has yet been resolved since I am still waiting on information. I have documented audio recordings as well.

I believe I could get legal penalties for civil for each call and it should add up to a substantial amount and I am also hoping for criminal prosecution but in order to resolve this, all related parties seem to not be doing anything as of yet.

Cease and desist order was given months ago. I am not sure if I will need to pursue this in NY or NJ courts since calls are coming from NJ and I am in NY.

I know of others who have pursued Robocallers and gotten claims paid so hopefully this will work out.

Personal Finance Deals
Custodial account or not?
Added on : Tuesday August 19th 2014 05:00:08 AM
g: 0 Posted By: ChinaRider
Views: 94 Replies: 2 We're saving money for our kids. They already have 529 accounts. The additional "savings" is nothing more than money in our various accounts that's earmarked for them. It's still our money. Should we move it into custodial accounts?

So far I see the following considerations:

Kiddie tax
Reduced financial aid availability for college
Control (I'd like to think they'll be wise enough not to blow it when they cease being minors but who knows...)

What else should I consider? Saw the thread about manipulating the kiddie tax for overall tax savings but I'm not really thinking along those lines. I'm just looking for your opinions on whether the money is better kept in our accounts or custodial accounts.

Thanks.


Personal Finance Deals
Monster DNA On-Ear Headphones (5 Colors) - $99.99 FS @ Best Buy
Added on : Monday August 18th 2014 08:00:04 PM
g: 0 Posted By: Xenocrates
Views: 273 Replies: 0 Monster - DNA On-Ear Headphones(5 Colors)- $99.99 FS @ Best Buy

Colors: Black , Blue, White, Gold, Pink(has different link from other colors)

Advanced noise-isolating design
Dual-port inputs -Allow you to share audio with up to 5 other pairs of headphones (not included).
Customizable color scheme
Folding design
Apple ControlTalk cable

4.7 / 5 Stars with 352 Customer Reviews

The next ebst price from a rated merchant on Google Shoppingis $149.99 from (the ironically named) NothingButSoftware.com.
Headphones & Speakers Deals

Best Buy Coupons
g: 0 Posted By: DaysFan
Views: 106 Replies: 1 http://www.k12schoolsupplies.net/Roseart-Broadline-Marker-Class-Pack-With-Removable-p/jrm40259ua1.htmRoseart Broadline Marker Class Pack With Removable Refillable Trays - JRM40259UA1Our Price: $125.99 Sale Price: $34.19
That's 73% OffYou save $91.80!
Quantity in Stock:11
Includes 13 removable and refillable marker treys - holds up to two 8-packs of colored markers in each drawer.
Compact and sturdy carrying case design with molded plastic handle.
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Great for home or school.

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Office & School Supplies Deals
g: 1 Posted By: Ayla
Views: 45 Replies: 0 CHRISTINE FEEHAN'S Kindle Book: Dark Wolf (Dark Series Book 25) - $5.49 at Amazon


http://www.amazon.com/Dark-Wolf-Book-25-ebook/dp/B00DGZKJAW/ref=...


Print List Price: $7.99

Kindle Price: $5.49



From Christine Feeham's website:
~~~~~~~~~~~~~~~~~~~~~~~~~~~

WHERE DARK LYCAN ENDED, DARK WOLF BEGINS...

BOOK NUMBER 25 IN CHRISTINE FEEHAN'S ACCLAIMED CARPATHIAN SERIES

#1 New York Times bestselling author Christine Feehan now delivers her most eagerly awaited novel of all -- ten years in the making -- in the "the erotic, gripping series that has defined an entire genre" (J. R. Ward).

In Dark Lycan, Christine Feehan JourneyEd into the heart of the Carpathians, and into the souls of two lifemates stirred by the flush of passion and the threat of annihilation. In Dark Wolf, the breathtaking story continues as the bonds of family are imperiled, and the fate of two lovers lies hidden in the seductive shadows between life and death.

Skyler Daratrazanoff always recognized the miracle that was Dimitri Tirunul, a man beyond any dream that had ever engaged her nights. But she was human. Vulnerable. He was Carpathian. Nearly immortal. She was nineteen. He was an ancient. Yet she held half his soul, the light to his darkness. Without her, he would not survive. Caught between the two warring species, Dimitri has spent centuries hunting the undead to keep his people free, and humans safe. He had survived honorably when others had chosen to give up their souls. But now, marked for extermination by the Lycans, Dimitri found himself alone, and fearing for his life. But salvation was coming

No Lycan would ever suspect someone like Skyler to dare mount a secret rescue operation. A teenage girl. A human of untested abilities. But she had something no one else had. She was predestined for Dimitri -- as he was for her. And there was nothing stronger for Skyler than her desire to see her life-dream come true. Whatever the risk.

g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 Brand
Seagate
Series
Expansion
Model
STBV4000100

Performance
Interface
USB 3.0
Capacity
4TB

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Form Factor
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The Seagate Expansion desktop drive provides extra storage for your ever-growing collection of files. Instantly add space for more files, consolidate all of your files to a single location, or free up space on your computer's internal drive to help improve performance.

Setup is straightforward; simply plug in the included power supply and USB cable, and you are ready to go. It is automatically recognized by the Windows operating system, so there is no software to install and nothing to configure. Saving files is easy too-just drag-and-drop.

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External Hard Drives Deals

Newegg Coupons
Mortgage got sold to NationStar, but have no account number yet
Added on : Saturday August 16th 2014 08:00:11 AM
g: 0 Posted By: cpaynter
Views: 79 Replies: 3 I've been with Freedom Mortgage for a couple of years now, no problem. On July 30, I got a letter from Freedom, informing me that my mortgage had been sold to NationStar effective August 1, and that Freedom would no longer be accepting payments, and that I should expect communication from NationStar. I waited, but nothing ever came. I tried registering on NationStar's site, which seems to have an accomodation for such cases; you can register with your old mortgage account number. Tried that, no dice. Number not recognized. I called NationStar customer service, and they informed me that they were backed up, and hadn't assigned me an account number yet, and that I should wait for something to come in the mail. It's now August 16, and I still haven't seen anything. Technically, my mortgage payment is now one day overdue.

I could send payment to NationStar without an account number attached, but this strikes me as a bad idea. It could get cashed and applied to someone else's account, or to no one's account, and I could have a devil of a time getting my money back or applied to my mortgage.

OTOH, I'm concerned that *not* paying will put me in deadbeat status with NationStar. From what I gather of NationStar, they're sort of a bottom-of-the-barrel lender; lots of subprime accounts and questionable business practices. I'm reading stories that they're the kind of lender that will throw someone into foreclosure and screw them over, with no fault on the part of the mortgagee.

I've been assured that no late charges would be assessed and no negative items will be reported to CRA's within 60 days of the transfer. That's nice in theory, and I'm sure if they did charge me or report me, I could eventually prevail in court, but at what cost in $, time, and lost credit, if only temporary?

So, any advice on what to do?

Chris.
Question Deals
International wire transfer theft question
Added on : Friday August 15th 2014 04:00:05 PM
g: 0 Posted By: zlloyd1
Views: 152 Replies: 4 I know that once you send money via an international wire transfer that you are essentially stuck with it, but I have a concern that is somewhat related to this, but not exactly that....
I was doing payment processing for a company based in the Warsaw, Poland that runs an online eCommerce site similar to Amazon, and eBay, where people purchase high dollar items online, and they are shipped to them around the world. Because of the location of this organization in the former Soviet Union, they have payment processing agents in the United States that receive the payments for these items from customers who buy out the U. S. to their personal PayPal accounts, transfer the funds to their bank account,s and then wire the payments to them in Poland. This done for a commission, and a percentage of the payments are kept by the processing agent.
This is a simple enough job with a pretty decent payout, but it becomes an issue when the item that was purchased is not sent to the customer, and they file a dispute with PayPal, citing the processing agent as the merchant responsible. PayPal decides in the buyer's favor, and refund the full amount of the purchase to them, taking it out of the processor's account balance....
This is after the money has already been wired to Poland. I have been the victim of this, and have a question that I need to know. Of Course, I cannot reach the company for the life of me to get a resolution to this, and am not expecting to.
I now have a -$5300 balance in my PayPal account because of this exact thing happening to me, but I have a wire transfer receipt from my bank showing that I did indeed send this money overseas. Is that receipt enough to influence PayPal to drop this against me, and restore my positive balance?? I mean, I have nothing to do with this guy not receiving his necklace, but I am his only contact point and so I am now holding the blame. PLEASE explain what I can do here, and thanks in advance!!
New User Question Deals
Dispute with Auto Dealer - Advice Needed
Added on : Thursday August 14th 2014 09:00:08 AM
g: 0 Posted By: cak144
Views: 38 Replies: 2 I have a dispute with an auto dealer over a pricing issue. The dealer is located 150 miles from me. Here is a condensed version of what transpired. They had a demo car advertised on their website for a certain price. I spoke over the phone to a salesman and told him that I wanted to purchase that specific vehicle. I told him that I lived 150 miles away and would be coming to pick up the vehicle the next day around 3 pm. He said that the vehicle would be waiting and ready for me at that time. Nothing was mentioned about selling the vehicle at anything other than the advertised price. I arrived at the dealership around 3 pm, met the salesman, and waited at his desk while he went back to the general manager's office where I saw him and 2 other men talking. After waiting at the salesman's desk for 20 minutes or so, I went back and asked if there were any problems. A gentleman came up to me, introduced himself as the general manager, and said that they were checking to make sure that all the rebates were compatible but that everything checked out. The salesman and the second gentleman came out shortly thereafter and started writing down some figures, coming up with a final price that was $1,000 higher than advertised on the website. I had a printout of the price on the website and showed it to him. He said that the vehicle in question had 2,010 miles on it for which General Motors would give the dealer an allowance of $500 but that the additional $1,000 would only be given once the vehicle reached 5,000 miles. I won't go into all the gory details of what transpired between myself and this gentleman and later the general manager, but it got a little heated. They never once said that this was a price mistake, only that they couldn't sell it at the advertised price because it didn't have 5,000 miles. In fact, in response to my question about why they advertised it for a lower price than they intended to sell it for, the general manager said, "because if we did, we wouldn't get anybody to come into our dealership". I went ahead and purchased the vehicle anyway because I had driven 150 miles and it was still slightly less than I could purchase it for locally - plus I intended to contest the issue with General Motors, etc once I got home.

I did complain to General Motors and wound up getting a $500 certificate for accessories. I went ahead and took it (even though I couldn't have cared less about getting $500 worth of accessories) since I figured that it might be the best that I could do. I also complained to the BBB who acted as an intermediary in several back and forth exchanges between the dealership and myself in which the dealership admitted no fault. I have a signed arbitration agreement with the dealer with the BBB as the arbitrator so I filed for arbitration. However, the dealership responded that they had no desire to submit to arbitration. Since they won't agree to arbitration, I next plan to sue them in small claims court and probably ask for treble damages since it was a willful act on their part to falsely advertise. Question - do I need to file in the dealership's jurisdiction or can I file in my jurisdiction? Both are in Illinois. Just for good measure, I will also probably file a claim with the Federal Trade Commission for a violation of the truth in advertising law.

I tried to make this as condensed as possible but it was hard to lay out all the pertinent information in fewer words. Any advice on this or a different course of action would be appreciated.
How to fix an error on credit report?
Added on : Wednesday August 13th 2014 05:00:06 PM
g: 0 Posted By: FWFGirl
Views: 38 Replies: 0 Not an alternate ID, first time posting about an issue and would very much appreciate any advices.

Backstory:
Over the weekend, I applied for a credit card and was rejected due to delinquent accounts. Confused, I called the credit card company and they said my report shows 2 accounts delinquent. Now I am even more confused as I check my credit via credit karma and Trans Union regularly (I have access to run this for free). Turns out, these negative accounts only shows up on Experian ONLY. My Equifax and Trans Union were cleaned, with very good scores. I called the credit card company back and asked them to run the other 2 reports. They did and they agreed my credit is good and approved the card.

Further investigation:
One of the delinquent account was Amazon visa. I called them up and they told me they never had an account with my name or SS#. So I disputed this account on Experian's site. The other delinquent account is for student loan from FED Loan service. This time, I didn't even call them, I just disputed it thinking its a mistaken identity since these accounts are not even showing up for Equifax and Trans Union reports.

After giving it some thoughts, I figured out what happened. I had a cousin living in my house supposedly going to school and need a place to stay. Long story short, I didn't want to do this, family pressure won, it was a nightmare, rest of the family soon realized I am right and we got rid of her and she is no longer living in the US. My cousin have her own SS#, but her name is only 1 letter off from my name. ie FWFGirl vs FVFGirl. So what happened was, Experian put her accounts under my name because it looked so similar with the same address. My thinking was confirmed when I got a collection letter addressed for her for that same Amazon account today!

My questions are:
1) I still plan on sending a certified letter to the collection company asking them to validate the debt to buy time while I figured out what to do next. When the collection company replies with the validation (It will be valid as I can definitely see her running up a credit card then leaving the mess behind), what is the next step? Should it be nothing since it is not even my name/SS/card/account?
2) How to clear these accounts from my Experian report? These accounts are NOT under my name and SS, and I did NOT co-sign anything for her.
3) Do I contact Amazon visa and FED Loan at all? It is really not their fault this shows up on the wrong Experian report and they have no records of me and my SS in their system?
4) Or do I just go directly and work exclusively with Experian to get this resolved?

Thank you for reading!
New User Question Deals
Frustrated When Trying to Cancel ATT Internet Service
Added on : Monday August 11th 2014 04:00:12 PM
g: 0 Posted By: OneBread
Views: 182 Replies: 6 I called to disconnect my internet service and was put on hold for more than 35 minutes (All of our representatives are currently serving other customersplease continue to hold). I got frustrated and called back, but this time I choose the option I want to pay my bill. I got connected to a live CS on the second rings. I was pissed. He said he can only do payments and gave me the direct number to the disconnect department. I demanded to disconnect service or speak to a manager that can disconnect my service. He insisted I have to call the direct number to the disconnect department as there is nothing he can do. So I called the direct number, and again I am on hold. What can I do? Reminds me of the recent guy trying to cancel his cable. Maybe complain to the FTC or AG?
Question Deals
How to learn about investing?
Added on : Monday August 11th 2014 01:00:08 PM
g: 0 Posted By: LrngTree
Views: 63 Replies: 2 Could you suggest any books to start learning about investing and/or money management?Nothing too complex...how to get started. Thus far, I'm working to be debt free, but would like to prepare for thenext step of making my money work for me.Thank you in advance,wise Fat Walleters. (I hope Idon't get ripped apart for asking such a basic question.... I've got to start somewhere! )

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

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

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

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

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

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
Former employer wants money back
Added on : Monday August 11th 2014 04:00:09 AM
g: 0 Posted By: rjdoc74
Views: 111 Replies: 3 Just trying to see if someone is knowledgeable about this on here. Long story short, my wife just finished a 1 year long medical fellowship program at a major university. She was considered an employee of the hospital and received a monthly salary. Mid-year, we received a letter stating that the hospital re-classified all the fellows from being "trainees" to being "clinical instructors" and her that her federal and state contributions will change. Because of this, her paycheck went down by ~$300 per month. Fine, there was nothing we could do. Now, her employment concluded on 7/7/14. Last night we had received a letter stating that now they want ~$1500 BACK for overpayment due to this issue for first 6 months of her employment. We could not believe this. They told us that this "reclassification" took place as of 1/1/14 but now they want money back for previous 6 months as well. Do we just tell them to go pound sand? Or Do they have any kind of legal standing here? Any advice is appreciated!
Personal Finance Deals
Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

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

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

Teavana Coupons
Sabra Brand Salsa, 2 bricks for $1 off
Added on : Sunday August 10th 2014 10:00:06 AM
g: 0 Posted By: Marvinomatic
Views: 117 Replies: 0 http://www.sabrasalsalove.com/After you print to bricks, it tells you that you have no prints left. First I used Firefox.

I used Firefox, Explorer, and Opera, and now I have 6 prints all on my computer! I only need six. (Good til 10/31/2014)

What store has them on sale? I looked at Shop Rite, and Stop & Shop. Nothing there.

Act quick, before Sabra takes the coupons off. Remember what happened last time!




Printable Coupon Deals
g: 0 Posted By: remick
Views: 78 Replies: 1 ULTIMATE Leonardo da Vinci Artwork Collection! 200+ Paintings, Drawings, Inventions, Portraits, Virtual Fine Art Museum
http://www.amazon.com/gp/product/B00A7YP70W

Leonardo da Vinci Artworks!
Ultimate Quality Collection!
200 HD pictures!

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

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

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




Ultimate Salvador Dali Collection: Modern Art from the Famous Creator
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335 Salvador Dali Paintings !!!
Complete Works from 1925 to 1983!
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Salvador Domingo Felipe Jacinto Dal i Domnech, 1st Marqus de Dal de Pubol (May 11, 1904 January 23, 1989), known as Salvador Dal (Catalan pronunciation: [səɫβəˈo əˈɫi]), was a prominent Spanish surrealist painter born in Figueres, Spain.

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

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

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

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




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
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900 Amazing Tribal Tattoo Designs 700 X 700!

Tattooing has been practiced for centuries in many cultures, particularly in Asia, and spread throughout the world.[citation needed] The Ainu, an indigenous people of Japan, traditionally had facial tattoos. Today, one can find Atayal of Taiwan, Berbers of Tamazgha (North Africa), Hausa people of Northern Nigeria, Kurdish people in East-Turkey, and Māori of New Zealand with facial tattoos.

Tattooing was widespread among Polynesians and among certain tribal groups in Africa, Borneo, Cambodia, Europe, Japan, the Mentawai Islands, MesoAmerica, New Zealand, North America and South America, the Philippines, and Taiwan. Indeed, the island of Great Britain takes its name from tattooing; Britons translates as "people of the designs", and Picts, the peoples who originally inhabited the northern part of Britain, literally means "the painted people". Despite some taboos surrounding tattooing, the practice continues to be popular in many parts of the world.

Tattooing has been a Eurasian practice at least since Neolithic times. tzi the Iceman, dating from the fourth to fifth millennium BC, was found in the tz valley in the Alps and had some 57 carbon tattoos consisting of simple dots and lines on his lower spine, behind his left knee, and on his right ankle. These tattoos were thought to be a form of healing because of their placement, which resembles acupuncture. Other mummies bearing tattoos and dating from the end of the second millennium BC have been discovered, such as the Mummy of Amunet from ancient Egypt and the mummies at Pazyryk on the Ukok Plateau.

Pre-Christian Germanic, Celtic and other central and northern European tribes were often heavily tattooed, according to surviving accounts. The Picts were famously tattooed (or scarified) with elaborate, war-inspired black or dark blue woad (or possibly copper for the blue tone) designs. Julius Caesar described these tattoos in Book V of his Gallic Wars (54 BC).

Various other cultures have had their own tattoo traditions, ranging from rubbing cuts and other wounds with ashes, to hand-pricking the skin to insert dyes.

Modern tattooing in the Western world has its origins in sixteenth through eighteenth century maritime expeditions, which promoted contact between explorers and the amerindian tribes and Polynesians they encountered. The Polynesian practice, especially, became popular among European sailors, who took the Samoan word tatau to describe the actual tattoo. As sailors traveled abroad and returned home with tattoos inscribed on their bodies, tattoos began to appear in mainstream European, and eventually North American, figurations, as well.

As many tattoos were stimulated by Polynesian and Japanese examples, amateur tattoo artists were in great demand in port cities all over the world, especially by European and American sailors. The first documented professional tattoo artist in the USA was Martin Hildebrandt, a German immigrant who arrived in Boston, Massachusetts in 1846. Between 1861 and 1865, he tattooed soldiers on both sides in the American Civil War. The first documented professional tattooist in Britain was established in Liverpool in the 1870s. Tattooing was an expensive and painful process and by the 1870s had become a mark of wealth for the crowned heads of Europe.
Totally Free Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
Why do people blow money?
Added on : Wednesday August 06th 2014 08:00:09 PM
g: 0 Posted By: timgodsil
Views: 41 Replies: 3 I know I am probably opening a can of worms here, but I cannot fathom the sheer amount of consumerism that takes place today.

I know the economy isn't great and all, but I constantly hear people complaining that they are broke. Yet I peak into the lives of these "broke people" and I notice very few people are actually broke.

To me, if you live on a tight budget, shop at thrift stores, drive a '99 Ford Escort and barely scrape by, then yes, you are broke.

But alot of broke people are not broke as a result of their environment, but as a result of their own actions.

They buy a new car and complain they cannot afford the payments. They dress in fancy clothes, wear Beats Headphones, have 65" flat screen TV's, and $15,000 in credit card debt,

People, financially speaking are very nearsighted, they think it's nothing to blow $3 each morning at Starbucks, not realizing they are spending close to $900 a year on their caffeine fix.

When I went to Chicago this year, I went into a Levi store and saw a simple pair of jeans was $78.00, yes...nearly $80 for a pair of pants, and even worse? People were buying them! My $15 jeans from Kmart work just fine.

Walk into a Rolex store..$7,000, for a ....watch. My $20 casio has kept perfect time for nearly 5 years. Again, same thing, people not blinking at dropping 7-15 grand for a watch.

Call me different, but these people dream of being rich, but you cannot create wealth by spending money. Wealth is created by saving money. Some of the richest people in the world, such as Warrent Buffet, live a very cheap way of life. The richest man in China spends $2 on a pair of shoes.

To me, it's very sickening. I suppose it is your money and you can do what you want with it, but why is the concept of "saving money" no longer commonplace among people? They think as soon as that paycheck hits their bank account, its a shopping spree, spare no expense.

I can see these very same people having little to no money put back for retirement, dipping in their kid's college savings, and working until their 80 to pay off their credit card debt.

I'm 22, and not like most people my age. My dad is almost 65 and people his age know the concept of saving money. Seems like people 30 and under have no understanding of it. "Let's make sure we have the largest flat screen in the neighborhood".

A local subdivision was building houses when I was in Chicago. "Single family homes STARTING at $229,000".

Who in their right mind pays nearly $250,000 for a house? You would be in debt your whole life.

It seems that's how people want to live these days, in the red instead of the green. If they can't afford it, they just charge it. You can never create wealth this way.








Credit Deals
Free mp3s on Google Play - Royals by Lorde and We're Going Home by Drake
Added on : Wednesday August 06th 2014 02:00:07 AM
g: 0 Posted By: remick
Views: 186 Replies: 0 https://play.google.com/store/music/album/Lorde_Pure_Heroine?id=...

https://play.google.com/store/music/album/Drake_Nothing_Was_The_...
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 122 Replies: 0 Brilliant Mint
Enamel-safe whitening in 2 weeks
Protects against the build up of future stains
Dissolves in just 5-10 Minutes
Nothing to remove
Does not harm standard dental work
56 count
Expiration Date: December 2014

www.woot.com/offers/rembrandt-intense-stain-dissolving-strips
Beauty Deals

woot! Coupons
Kashi Rebate/Class Action Settlement
Added on : Tuesday August 05th 2014 06:00:07 AM
g: 1 Posted By: StillCouponing
Views: 115 Replies: 0 Kashi recently settled a class action lawsuit over certain Kashi products that were marketed and sold as All Natural or Nothing Artificial but contained allegedly synthetic ingredients. There were about 100 different foods at issue, including protein bars, granola bars, waffles, cereal, granola, oatmeal, crackers, cookies, microwavable dinners, pizza, pasta, etc.

If you are a California resident and purchased any of these foods between August 24, 2007 and May 1, 2014, you could receive payment for anything that you purchased up to $25.00, even if you dont have a receipt. You might be able to claim more if you actually have receipts though.

For more details, see the Kashi settlement website here: http://www.naturalclasssettlement.com/. It explains more about the case and how to claim a refund. THE DEADLINE IS MONDAY, AUGUST 25, 2014.
Discussion Deals
g: 0 Posted By: VivYip
Views: 62 Replies: 0 credit dealnews

amazonmp3 has this mp3 album + digital booklet for 69 cents.

http://www.amazon.com/Visions-digital-booklet-Imagine-Dragons/dp/B0092MKTL2

No. Title
1. "Radioactive"
2. "Tiptoe"
3. "It's Time"
4. "Demons"
5. "On Top of the World"
6. "Amsterdam"
7. "Hear Me"
8. "Every Night"
9. "Bleeding Out"
10. "Underdog"
11. "Nothing Left to Say"

Digital Booklet: Night Visions
It features the hits "Hear Me," "Radioactive," "On Top of the World," and "It's Time." It also includes a digital book.

Hope this might help someone. Thank you for reading.
g: 0 Posted By: ctgolfer
Views: 52 Replies: 0 Max Payne
Max Payne is a man with nothing to lose in the violent, cold urban night. A fugitive undercover cop framed for murder and now hunted by cops and the mob. Max is a man with his back against the wall, fighting a battle he cannot hope to win. Prepare for a new breed of deep action game. Prepare for pain...

Max Payne 2
Max Payne 2: The Fall of Max Payne is a violent, film-noir love story. Dark, tragic and intense, the in-depth story is a thrill-ride of shocking twists and revelations. Love hurts and delivers the most intense gameplay experience imaginable. The fierce, yet stylish action sequences and slow-motion gunplay that has become synonymous with Max Payne is back and better than ever.

Max Payne 3
For Max Payne, the tragedies that took his loved ones years ago are wounds that refuse to heal. No longer a cop, close to washed up and addicted to pain killers, Max takes a job in Sao Paulo, Brazil, protecting the family of wealthy real estate mogul Rodrigo Branco, in an effort to finally escape his troubled past. But as events spiral out of his control, Max Payne finds himself alone on the streets of an unfamiliar city, desperately searching for the truth and fighting for a way out.

Grand Theft Auto IV: Complete Edition
This standalone retail title spans three distinct stories, interwoven to create one of the most unique and engaging single-player experiences of this generation. This definitive Grand Theft Auto bundle boasts hundreds of hours of single-player gameplay; a full suite of open-world multiplayer game types limited only by players' creativity; dozens of eclectic radio stations with hours of music and original dialogue.

L.A. Noire Complete Edition
Amid the post-war boom of Hollywood's Golden Age, Cole Phelps is an LAPD detective thrown headfirst into a city drowning in its own success. Corruption is rampant, the drug trade is exploding, and murder rates are at an all-time high.System RequirementsMinimum:
- OS: Microsoft Windows 2000/XP
- Processor: 1Ghz PIII/Athlon or 1.2Ghz Celeron/Duron processor
- Memory: 256MB RAM
- Graphics: 32MB AGP graphics card with hardware transform & lighting support
- DirectX Version: DirectX 9.0
- Hard Drive: 1.5 GB hard drive space
- Sound Card: DirectSound compatible sound card
- Input: Keyboard and mouse

Recommended:
- OS: Microsoft Windows 2000/XP
- Processor: 1Ghz PIII/Athlon or 1.2Ghz Celeron/Duron processor
- Memory: 512MB RAM
- Graphics: 64MB DirectX 9 compatible AGP graphics card with hardware T&L support
- DirectX Version: DirectX 9.0
- Hard Drive: 1.5 GB hard drive space
- Sound Card: DirectSound compatible sound card
- Input: Keyboard and mouse


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Video Games Deals
g: 0 Posted By: remick
Views: 64 Replies: 0 http://www.amazon.com/gp/product/B00K95XH42

The Final Encounter (Complete Collection: 5 Books Full Series Bundle)



Short storyline



Book One: The Iron Axe


The pickaxe missed the creeper by a mile, and instead slammed into the tunnel floor. Cracks formed in the floor, and it fell away, taking the creeper with it down, down, into the red lava. It sizzled angrily as it fell, and vanished into the molten lake. Karl now stood on a single rock overhanging the lava lake. He wobbled, and jumped forward, grabbing the opposite ledge and hauling himself up safely.

This was the first time he had ever seen lava, and hoped it was the last. Now that he'd found the source of light, he knew he had to go further in order to find a route back upwards. However, the pickaxe gave him an idea. He turned to the wall of rock above him and started chipping at the rock with his pickaxe. It was slow work, but the steps he carved were worth the effort.

Soon Karl stood back on the first level below ground. This time, he was on the other side of the water that rushed over the path. He continued on eastward toward the unknown.


Book Two: Spiderbane


The black spindly monster edged closer, and stood tall above him. He looked up into its eyes, and felt as if his willpower were draining away into a dreamlike state. He shook his head to clear it, and swung at the creature with Spiderbane. The sword split the air where the monster had stood a moment before, and the cooing came directly from behind him.


Book Three: The Sword of Power


Zombies were around Karl as he staggered and fell forward. Arrows zipped overhead, punching three zombies in the chest and sending them back into the shadows of the chamber. Sparks flew and the smell of ozone filled the room as the caged chaos spawner lit up and spun wildly. Two more zombies appeared from nowhere, and this time lunged at Ruby as she was nocking another arrow. The first zombie swung wildly, and she dodged deftly, rolling to the side. The second zombie however swung low, and caught her in the side. Breath whooshed from her lungs as she rolled across the floor.


Book Four: The Nether Crown


Ruby was on the offense immediately. She unslung her magical bow, and nocked an arrow. She released the arrow just as the ghast belched forth a great fireball at them. The arrow caught the fireball, and spun it back at the ghast, but not before the arrow pierced the ghast's mouth as well. The ghast shuddered in mid air, and then the fireball hit, exploding around it with such ferocity, that nothing of the ghast remained to be seen.


Book Five: Return to Power


The zombie golems clashed with the spiders. Webs spun around several zombie golems, immobilizing them until they fell to the ground. The spiders set in upon the prone golems, and bit through the gold wires. The number of zombie golems slowly shrunk, and Tobin gestured wildly as he commanded the to attack. Three golems piled on one spider, and pulled it to the ground screeching as it fell beneath their undead fists.

The large cave spider and its rider, waited for the last dark spider to fall beneath the fists of the zombie golems. Then, it marched forward, all eight legs carved holes in the sand as it walked. Tobin and Karl stood side by side as the giant cave spider approached. Two zombie golems remained from the initial onslaught, and they shambled towards the giant cave spider and its rider. A large diamond blade, like a claymore, swept down from the top of the spider, and severed both zombie golems. They fell immediately, and Tobin's redstone light illuminated the rider as it strode into their campsite.

The rider was a squat elf, and wore a suit of dark chainmail armor. He glared at them over the saddle on the spider. He removed his helmet, and stepped down from the giant cave spider.
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g: 0 Posted By: remick
Views: 182 Replies: 0 http://www.amazon.com/gp/product/B00E1O63MK

4.7 out of 5 stars (19 customer reviews)

When Ben Underwood became blind at the age of two, anyone would have thought he faced a life full of hardship and uphill challengesa world full of things hed never be able to see and activities hed never be able to enjoy. But as far as his mom, Aquanetta Gordon, was concerned, nothing was impossible for Ben . . . and so he accomplished the incredible. Known as the boy who could see with sound, Ben mastered human echolocationthe ability to detect the size, shape and location of objects through the reflection of sound waves. By clicking his tongue and seeing the waves, Ben could ride his bike, shoot baskets, identify objects, and even play video games. Some called it a miracle, but to Ben and Aqua, the real miracles were the otherworldly experiences God gave Benphysical and spiritualthat others couldnt explain. Echoes of an Angel is the remarkable true story of how a child who seemed destined for darkness brought light to the world. Its the story of a single mom who encouraged her son to push beyond his limits, even as her heart clenched with protective love and fear. And its the story of a familys unshakable faith . . . in God and each other.
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DYSON 20% off at Target using Code
Added on : Friday August 01st 2014 07:00:07 AM
g: 1 Posted By: ichabod
Views: 60 Replies: 0 DYSON 20% off at Target using Code, DYSON20. FS on orders over $50 so a vacuum should qualify. I'm looking at the Dyson DC65 MultiFloor Upright Vacuum.for $499 online so it would be $399 with the 20% off. I was looking for a rebate or something to stack with the purchase but I could find nothing.

I had a Dyson for about four years when it died. I swore I would never pay the money for another Dyson. Got a Hoover this past Christmas for $149 and it is already toast. Why did vacuums used to last 20 years back in the 1970s?

http://www.target.com/sb/dyson-home-and-storage-org-dvm/-/N-56h3...


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Getting back my security deposit
Added on : Friday August 01st 2014 05:00:08 AM
g: 0 Posted By: Xnarg1
Views: 13 Replies: 1 I'm currently renting a house in San Jose, CA. My landlord has been a cheapskate throughout (think foreigner cheap). I paid my final month's rent already, however he has not cashed the check yet and I know he is on vacation right now. I was thinking I could cancel this check and when he comes back we have a walk through scheduled. When he mentions that the check didn't go through I can play dumb and apologize profusely and say that I can give him a check when he comes during the move out walk through. If he ends up giving me the full deposit back I will of course pay him the rent and any charges he may have incurred at the bank. If he doesn't give me the full deposit back then I will have the upper hand. I will also have receipts showing him that I got the entire house carpet shampooed and professionally cleaned. I am leaving the house in very good condition - there is nothing broken/dirty, etc, and I will have cleaning receipts.

I can feel the red coming from all the landlords here and that's fine. I just want to know what's the worst that can happen to me before doing this. The deposit is north of $3k.
g: 0 Posted By: tedhawkins
Views: 114 Replies: 0 Burris 300209 Prism Sight 1x 32mm Obj Eye Relief 4 MOA Dot Matte Black (MSRP: $305) $179.99 Shipped

http://www.gearhog.com/

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For situational awareness, nothing beats a true 1x tactical sight. The AR-132 is a compact, lightweight 4 MOA red dot sight that is ideal for CQB situations. Choose from 10 levels of brightness to match the shooting condition. The AR-132 has a very low mounting height that matches up well with most AR platforms. Multi-coated lenses and the 32mm objective produce bright, crisp images. Add in the integrated lens covers, three Picatinny rail mounting brackets and tethered windage and elevation caps, and you have one complete package. One-Year Warranty.
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New rules will require banks, brokers to identify beneficial owners
Added on : Thursday July 31st 2014 03:00:05 AM
g: 0 Posted By: tuphat
Views: 53 Replies: 0 The U.S. Treasury Dept., through the Financial Crimes Enforcement Network (FinCEN), recently proposed rules that will, among other things, require banks, brokers and others to verify theidentity of the beneficial owners of
legal entity customers (i.e., the natural persons who own or control legal entities like LLCs and partnerships).

Of potential concern to those of us interested in financial privacy; not of concern to those that believe "if you haven't done anything wrong, you have nothing to hide."

Proposed rules at: http://www.fincen.gov/statutes_regs/files/CDD-NPRM-Final.pdf

Treasury seems to bedoing administratively what it previously thought required legislative action; see archived FWF topic.

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Free Game on Steam - Only If (first person adventure-puzzle game)
Added on : Tuesday July 29th 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 113 Replies: 0 http://store.steampowered.com/agecheck/app/298260/

Only If is a surreal first person adventure-puzzle game. You play as Anthony Clyde, who, after a heavy night of partying, wakes up to find himself in an unfamiliar bed with no memory of the previous night's events. Unfortunately, escaping these unfamiliar, opulent surroundings will prove to be no easy task, as an unseen, menacing, radio-bound antagonist will stop at nothing to block Anthony's path at every turn.

The game's mechanics are designed to be experimental and unpredictable, to defy the logic of "What you see is what you get". Is the environment changing around you, or is it your imagination? Will jumping to your death kill you, or will it save you? Could the wrong answer actually turn out to be the right answer?

In Only If, you will fail a lot, you will die a lot, and you will undoubtedly be confused. Or will you?
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Lawyer billing and documention
Added on : Monday July 28th 2014 09:00:19 AM
g: 0 Posted By: DonnieDuck
Views: 111 Replies: 1 Just curious about laws governing, if any, the practice of law firms sending out documentation of work being done along the way. I was under the impression that law firms need to send out hours worked each month to the clients. If there is such a law, what happens if they do not do this? How would a client reconcile hours worked at the end if they have nothing to go by along the way?

Thanks for any helpful answers
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g: 1 Posted By: howie999
Views: 162 Replies: 0 LINK

If you don't have this one, you should. Includes "Walk of Life", "Sultans of Swing", "The Man's Too Strong" and of course "Money for Nothing".

Note Dire Straits' "Making Movies" CD also $5 from Amazon. What's with Amazon putting a lot of classic CDs on sale for a $5 bill? I'm not complaining.
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g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B00M4ZHPFW

Living in Nightmares: The Jones Story

The frightening, true story of a family doomed by evil, madness, abuse, insanity and finally death. Living In Nightmares: The Jones Story is the factual account of the story of the children of Richard E. Jones by his first wife Virginia, written by his eldest daughter, Dee Lynn. Nothing can prepare you for the things that come to light in this story.

The twist in the story is the demonic presence that plagued the family. Was the father possessed? Some family members say that he was absolutely without a doubt. Strange changes in him would bring about a vicious, dangerous man. He had never drank alcohol or used drugs ever. This was a possession if ever there was one.

The first born child, a son would end the torturous abuse in October 2011 during their final altercation. Abused for fifty years of his life he would fight back for once and the evil would be done but the abuse would continue it seems from the father's grave.
RE investment - just missed Bed Stuy...what's next?
Added on : Sunday July 27th 2014 04:00:09 AM
g: -1 Posted By: FeelingGood
Views: 158 Replies: 3 I'd like to invest $200K into rental property (preferably multifamily house) in either NY (Brooklyn/Bronx/Queens) or NJ (Morris/Essex/Union counties)
We just missed Bedford - Stuyvesant... what else is hot on the market? We'd like to buy 2-3 family house, rent it for a couple of years, and sell it. While renting, we would like to break even. I am trying to say that we are less interested in cash flow.We are more interested in property appreciation. My realtor told me that Bed Stuy has nothing left in our price range (under $400K)
A friend of a friend invested in multifamily house in Newark, NJ. As you know, Newark has one of the highest crime rates in USA. The market there might be good in terms of capital gain, but I do not feel like drugging my tenants to court (this is what that "friend of a friend" is doing on a regular basis) Is there a decent area in NY/NJ where you can get substantial appreciation over 3-5 years?

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g: 0 Posted By: ctgolfer
Views: 201 Replies: 0 Featuring a beautiful 21.5-inch widescreen display and an impossibly thin enclosure that's only 5 mm at the edge, the stunning all-in-one iMac has been updated with a fourth-generation quad-core Intel Core processor ? making it the most powerful iMac yet. And it comes standard with 8 GB of memory, a 1 TB hard drive, and advanced, high-speed I/O, including two Thunderbolt ports and four USB 3 ports. The iMac also now supports next generation 802.11ac Wi-Fi. The 21.5-inch iMac is just 5mm thin at its edge and features a bright display with 75 percent less reflection.

This version of the 21.5-inch iMac features a 2.7 GHz Intel Core i5 quad-core processor as well as Intel Iris Pro integrated graphics, which delivers discrete graphics-level performance (see full specifications below). It also comes with OS X Mountain Lion and the iLife software suite, which includes the latest versions of iPhoto, iMovie, and GarageBand.

Fourth-Generation Intel Core Processor

Since OS X is designed to take advantage of each core, the fourth-generation Intel Core i5 quad-core processor (based on the latest Haswell architecture) captures every bit of performance from the processor. When you need more power for a processor-intensive application like Aperture or Final Cut Pro, Turbo Boost 2.0 automatically increases the speed of the active cores. And by shifting core frequency in small increments, Turbo Boost allows the processor to manage performance without sacrificing efficiency.

This model is powered by a 2.7 GHz quad-core Intel Core i5 processor with Turbo Boost speeds up to 3.2 GHz. It's complemented by Intel Iris Pro integrated graphics, which delivers a built-in, eye-popping visual experience ? no extra graphics card required.

802.11ac: The New Definition of Fast

The iMac now supports ultrafast 802.11ac Wi-Fi. When connected to an 802.11ac base station including the new AirPort Extreme and AirPort Time Capsule ? wireless performance is up to three times faster than with the previous generation. And your Wi-Fi range improves as well.

Vivid Display

Nothing will distract you from what you're viewing on the iMac's 21.5-inch display thanks to the innovative display design that reduces reflection by 75 percent while maintaining brilliant color and contrast. Additionally, in-plane switching (IPS) technology gives you a bright picture with excellent color from nearly any angle while the LED backlighting offers instant-on, uniform brightness.

Thunderbolt and USB 3

Delivering an amazing 10 gigabits per second of transfer speeds in both directions, the ultrafast and ultraflexible Thunderbolt port allows you to move data up to 20 times faster than with USB 2.0 and more than 12 times faster than with FireWire 800. You can also daisy-chain up to six Thunderbolt-compatible peripherals without using a hub. Thunderbolt also supports DisplayPort for high resolution displays and works with existing adapters for HDMI, DVI, and VGA displays.

The iMac also comes with four USB 3 ports, enabling you to connect your external hard drive and transfer large files in seconds instead of minutes with speeds up to 10 times faster than USB 2. And you can connect all your USB-compatible devices, including your iPhone, iPad, iPod, or digital camera.

Clutter-Free Desktop

You'll be able to cut the cord with the included Wireless Keyboard and Magic Mouse, both of which connect to the iMac using Bluetooth wireless technology. Additionally, the Magic Mouse features a seamless Multi-Touch surface that enables you to use the same intuitive gestures used on the MacBook trackpad to easily scroll through long documents or swipe to move forward or backward through a collection of web pages or photos.

And with the FaceTime HD camera placed above the display in the iMac's thin aluminum and glass design, you'll be able to make video calls in HD 720p resolution to friends and family on another iMac or MacBook. Additionally, you'll be able to connect to those using a FaceTime-enabled iPad, iPhone, or iPod touch. <

Apple Magic Mouse:

Magic Mouse is unlike any other mouse you've ever used. The entire mouse is the button, so you can click anywhere. And it can be configured as either a single- or two-button mouse.

Apple Wireless Keyboard:

The sleek aluminum Apple Wireless Keyboard lets you type in front of your computer, on your lap, or anywhere within range. It's also incredibly thin and streamlined, so it sits on your desk surrounded by nothing but glorious space.

Display:

21.5-inch (diagonal) LED-backlit display with IPS technology; 1920-by-1080 resolution with support for millions of colors.

Processor:

2.7 GHz quad-core Intel Core i5 (Turbo Boost up to 3.2 GHz) with 4 MB shared L3 cache.

Storage:

1 TB (5400 RPM) hard drive

Memory:

8 GB of 1600 MHz DDR3 memory (two 4 GB; maximum of 16 GB)

Graphics:

Intel Iris Pro internal graphics processor

Video:

Thunderbolt digital video output (native Mini DisplayPort output); compatible with DVI, VGA, and dual-link DVI output using optional adapters:

Audio:

Stereo speakers; dual microphones; headphone/optical digital audio output (minijack); support for Apple iPhone headset with microphone

Connections:

Two Thunderbolt port (up to 10 Gbps)

Four USB 3 ports (up to 5 Gbps; compatible with USB 2)

SDXC card slot

Gigabit Ethernet port

Kensington lock slot

Communications:

802.11ac Wi-Fi wireless networking (802.11a/b/g/n compatible); Bluetooth 4.0

Camera:

FaceTime HD camera

Size and Weight:

20.8 x 17.7 x 6.9 inches; 12.5 pounds

What's in the Box:

iMac

Apple Wireless Keyboard

Apple Magic Mouse

Power Cord

www.ebay.com/itm/Apple-iMac-ME086-21-5-Inch-Desktop-1TB-Brand-Ne...
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g: 0 Posted By: lovelybones
Views: 230 Replies: 1 http://www.amazon.com/Non-stick-Reusable-Dishwasher-Versatile-Gr...
Sold by PSW Supply and Fulfilled by Amazon

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2 Pack BBQ grill mats - plus free BBQ recipes (sent in email from PSWBBQ) - compare to Yoshi Grill Mat and Miracle Grill Mat
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Bank abusing customers and breaching arbitrator's rules. Pt 2
Added on : Tuesday July 22nd 2014 05:00:06 AM
g: 0 Posted By: emcdemc
Views: 106 Replies: 0 The original was archived and is here:http://www.fullofdeals.com/forums/finance/1286095/

The latest:

Upon intake, the AAA is supposed to perform an administrative review to determine the arbitration agreement's compliance with the AAA's consumer protocol and other rules. If the agreement is non-compliant, the AAA is supposed to decline jurisdiction. The AAA rules require the consumer to be able to access small claims court.

In my case, the AAA performed a superficial review of the agreement and concluded that the agreement was compliant because it seems to allow small claims (the same conclusion I made when I reviewed the agreement). The language of the agreement is as follows:

Disputes Excluded from Arbitration. Disputes filed by you orby us individually in a small claims court are not subject toarbitration, so long as the disputes remain in such court and
advance only an individual (non-class, non-representative)claim for relief.

Seems compliant. That is, unless you are familiar with Arizona law. In Arizona, either party to a small claim can have the claim removed to a higher court automatically by statute (A.R.S. 22-504). All either party has to do is unilaterally motion the small claim to a higher court and it will be instantly and automatically granted without review.

So, what Citibank does is motion the small claim to a higher court and motion to compel arbitration. The court grants the motion to compel because the agreement (as cited above) plainly states that claims that do not remain in small claims court are subject to arbitration.

I filed a small claim. Citibank motioned it out and compelled arbitration. I argued that this made the arbitration agreement unconscionable because the agreement leads one to believe he has access to small claims while, in reality, the clause contains its own defeat (but is unclear to that effect). Thus, in practice, the "Disputes Excluded from Arbitration" clause exists only to mislead. I also argued that the agreement was clearly in violation of AAA rules because there is no way for the consumer to access small claims court.

Anyways, the AAA's intake review of the agreement to determine compliance with AAA rules found it compliant. The issue is that the AAA only looked at the agreement and did not ask for the details of the case or Arizona law. And, as we know, simply looking at the agreement does not necessarily reveal the loophole. There are many reasons why a claim may not remain in small claims court that have nothing to do with one party's unilateral removal (improperly filed, hearing officer orders it out, etc).

So, I am trying to get the AAA to re-review the agreement within proper context. Presumably, if the AAA refuses to re-review or determines the clause compliant (which would mean the consumer can always be barred from accessing small claims in states with automatic removal statutes), would I have to get an injunction against the AAA?

I am getting opinions from lawyers. Just thought I'd update and tap the FatWallet community. Something is very wrong here. JAMS and AAA have the same rules.

Another point is: until recently, we were completely unaware that the AAA administrative staff performs this review. We thought it was a determination that the arbitrator made. None of the documents that we were provided, the case manager nor the arbitrator mentioned that these decisions are for professional AAA staff. So we wasted a lot of time and resources making these arguments to the arbitrator when we did not need to. I am not happy with the AAA. All of their documents tell consumers that they cannot be prohibited from accessing small claims. I then try to access small claims, am prohibited and the AAA effectively says. "yeah, our rules do not matter."

Well, that's the latest.

Thoughts?


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

Steam gift card

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

Description
Terms and Condition

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

Valve Corporation. All rights reserved. Steam is a trademark and/or registered trademark of Valve Corporation.
Specifications
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1. If you already have Steam, go to Redeem a Steam Wallet Code under the Games menu.

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

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

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

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

I saw this in email and hope that this might be of interest to someone. (it's a 5% discount...not much, but better than nothing) Thank you for reading.
Corp To Corp versus 1099 Sole Prop Consulting? Pros/Cons?
Added on : Sunday July 20th 2014 07:00:07 PM
g: 0 Posted By: robronson
Views: 33 Replies: 0 I'm currently doing 1099 consulting. I've considered doing Corp To Corp (C2C) consulting such that I can form an S-Corp, hire myself as a W2, pay for things such as HSA Contribution pre-FICA tax, retain some of the money in the business to avoid SE Tax, and also to enroll in state unemployment because I believe my line of work will be dying out in the next 6 to 36 months. I see UI as a net positive given the tax-deductible cost of enrolling a single employee compared to 6 months of payouts when my consulting work eventually dries up.

Further, I work through third-party consulting firms through a loose relationship where they land me gigs, and a few of these consulting firms do not offer 1099 relationships, only W2 (through them) or C2C. I refuse to be someone else's W2.

Third point is I started a thread earlier this year that fizzled out, where I suggested it may be beneficial to have two separate entities to perform consulting through, such that you may be able to reduce state income tax. For example, perhaps you can do work in NY/CA through your S-Corp, max out your HSA contribution, Employee and Employer 401k Contribution, etc, through that S-Corp, and then the second part of the year, if you do work in TX/FL, you do it through your Sole Prop without any deductions. In theory, if you did everything through one entity, you'd have to reduce your 401k contributions/etc across all income equally such that you only get to deduct a portion of your deduction against your NY/CA income versus if you separated entities, you could say the S-Corp got all of those tax benefits and reduce taxes owed to the high-income tax states.

Fourth point is the ability to mess with income tax withholding through your S-Corp. Suppose you work Jan through August as a 1099 and decide to pay nothing in quarterly taxes. But then you withhold your entire paycheck from your W2 September through December and mail those to the IRS biweekly. I know married couples do this trick where husband does 1099 and underpays quarterly taxes and wife adjusts her withholding the last few months of the year to compensate. No penalties. Not sure if this works as an individual.

My biggest concerns with using an S-Corp are:

1) If I have to register as a foreign entity in each state I do consulting in. That seems like a hassle, and expensive. I think California was $500 to register as a foreign entity per year. I am nearly certain as a sole prop this is not necessary.

2) How difficult doing payroll for myself as a W2, filing UI payments with the state, etc. I've never used an accountant. I prefer learning things myself and handling as much as I can, and so far as a 1099, it's cake. I prefer this because as a true fatwalleteer, I use my understanding on a daily basis to plan the year out. I don't wait until April of the following year to talk to my accountant only to learn I should have done something differently the previous year. Doing things myself has a huge net positive benefit that exceeds the cost savings of paying for the accountant.

3) Anything else I missed?

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Free download of Miles Daviss classic Oleo
Added on : Sunday July 20th 2014 06:00:06 PM
g: 0 Posted By: remick
Views: 33 Replies: 0 http://www.udiscovermusic.com/free-music-miles-davis

How about something for nothing? We have a FREE download of Miles Daviss classic Oleo courtesy of The Jazz Labels and Concord Music Group simply click here to get your copy now
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Virtual personal assistant
Added on : Friday July 18th 2014 05:00:05 PM
g: 0 Posted By: therivler1
Views: 44 Replies: 0 I saw some old threads on this, but nothing recent.

I am looking to frame a piece of art. I want someone to call around all framing shops within a 50 mile radius and get me a quote.

I am sure there are places that I can outsource this to. Anyone have experiences with stuff like this?
Question Deals
g: 40 Posted By: remick
Views: 2728 Replies: 6 http://www.amazon.com/gp/product/B0055PLK1I

4.2 out of 5 stars (21 customer reviews)

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



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

4.2 out of 5 stars (19 customer reviews)

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



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

4.3 out of 5 stars (10 customer reviews)

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



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

4.8 out of 5 stars (50 customer reviews)

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



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

4.2 out of 5 stars (52 customer reviews)

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



New on 7/17

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

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

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

Where Is Your Picnic Basket
http://www.amazon.com/dp/B0093TKK86
4.4 out of 5 stars (10 customer reviews)
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Do I have to pay out of pocket for this
Added on : Thursday July 17th 2014 04:00:09 AM
g: -1 Posted By: ecomajor
Views: 168 Replies: 4 This will be a somewhat long story but please be patient. Also please read the attached contract, in particular paragraphs 2 and 4.

In December 2013 my chiropracter prescribed me a TENS machine (google it) for my back pain. My chiropracter ordered it from an out of network medical devices provider.
I signed a form (attached) that basically stated that I was not personally liable for any amount that my insurance company didnt cover. Additionally, since they were not an in network provider any payments would be sent to me and I was responsible to send them to the device company.

All seemed fine, but I never received any checks from my insurance company.

Last week I receive a letter from the device provider asking me to please forward the money as they say that the insurance company has paid the claims.

I call my insurance company and ask where are my checks. They tell me that they approved the claims but that I would not be able to receive any funds as we had a debit balance with them. This was news to me. They said that they had mistakenly sent checks to our sons physical therapy provider (the city) a couple of years ago and they had asked us to get back the money and we had never gotten back the money from the city and therefore we owed that money to our insurance company and any future out of network payments would be debited against that balance.

First of all, it was the insurance companies fault that they overpaid on my son's physical therapy provider. Second of all we had long ago requested the agency to take care of getting back the money but apparently nothing ever happened.

So the medical device company says that the claim is "paid" because it counts against our balance and that we have to pay out of pocket (eventually we hope to get the money back from the city). My arguement is that the contract explicitly states that we have to forward any monies received which we never did. I have no problem paying them once I get paid by the city, but I dont think its right that I should have to pay out of pocket when I explicitly signed a contract that I only have to forward money received.

Can I get the devices company for unfair collection practices or get them to postpone the debt until I actually get paid by insurance or do I need to pay them now.

Thanks for reading.

Personal Finance Deals
Switching utility providers for fun and profit
Added on : Wednesday July 16th 2014 01:00:09 PM
g: 0 Posted By: CowbellMaster
Views: 0 Replies: 0 Various companies offer promotions for switching, presumably they make money off higher priced commodity. Costs nothing to switch, does anyone ever take advantage of these promos?

Ie:

http://www.directenergy.com/nest/

I have solar panels and use 0 kWh per month. Any opinion on whether I can snag a Nest for next to nothing?
g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/gp/product/B0055PLK1I

4.2 out of 5 stars (21 customer reviews)

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



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

4.2 out of 5 stars (19 customer reviews)

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



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

4.3 out of 5 stars (10 customer reviews)

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



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

4.7 out of 5 stars (6 customer reviews)

There is nothing more warming than sitting down to a good, hot, delicious bowl of soup in the winter. However, soup is not the only thing that can warm you heart and soul, during those gray, windy, snowy days chowder, chili, stews, gumbos and cheesy/creamy soups can also do the trick.
This book contains 101 of the best soup and stew recipes, including the aforementioned other types of soup-like dishes, that you will find in one place. There are a variety of food categories as well, including beef, chicken and turkey, lamb, pork, ham and bean. You will also discover how to make soups and stews with seafood and vegetables, some of which you may not have heard of yet.
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Amazon Coupons
Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

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


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

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

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

Insurance Deals
Help needed: WU MO bounced by Chase
Added on : Monday July 14th 2014 08:00:14 AM
g: 0 Posted By: ghasem0
Views: 49 Replies: 6 Couple of months ago I purchased a WU money order at a grocery store ( I kept the mo purchase receipt and the mo stub ). I filled it out payable to myself and deposited together with other mos at my local bank atm ( I kept the deposit atm receipt). Few days after that I withdrew the money.
About a week after the deposit, while making another deposit, I noticed that my account had been overdrawn. I went berserk. Called the bank cs rep, did not get much of help. Called WU and a machine confirmed it was cashed while in bank's possession( a day after the deposit date). Loaded with the receipt, stub and a copy of the bounced mo I headed to the branch where I deposited it in the first place. The banker was very uncooperative if not indifferent/hostile. I was told to wait for the letter from the bank with the legal copy of mo. I got the letter with the legal copy of the mo. The bank letter states the reason: "refer to maker". I called the loss prevention dep rep and was assured that it was their fault and If I deposited the legal copy of the mo again it would not bounce. And that's what I did. I deposited the legal copy inside the branch (kept the deposit receipt). It bounced again and they charged me returned item fee again.Went to the branch again, spoke with the branch manager. She did not help me. According to her there was nothing she could do and advised me to take it to WU.
So I initiated a research with WU. Got a letter from WU with the research payment trail records. It states clearly that the mo was "paid clean" by them and it provided the three different bank sequence numbersone for every time it was presented for payment. It looks like after i deposited the mo at the atm, tschaise presented the mo for payment twice (the very next day after the initial deposit date and again three days later on). Andthe third presentment per WU was a day after I deposited the legal copy inside the branch. So altogether this mo was presented for payment three times. The WU letter says that it was "paid clean" the very first time it was presented and was returned the at the next two presentments.Today I spoke with the bank operating loss prevention department analysts and was advised to go to the branch so they get a copy of WU letter faxed to them.
After spending good three hours in the branch and then again on the phone with loss prevention dep rep I was told to take it back with WU. Spoke with live WU rep for the first time and she told me that there is nothing more they can do.
I kept all the documents related to this mo. Bottom line is that the mo was cashed a day after it was deposited at the atm. At the time of cashing the mo was not in my possession but per the deposit receipt date and time it was in tschaise's possession.
Tschaise has given me a run around for two months already. I am not sure how to proceed from here on, never been in a situation like this one before.
I am sure I am not the first person to encounter a situation like this.
I need you help from guys.
Personal Finance Deals
Alert: SJ KUNDBOKNING Credit Card Scam Strikes Again!
Added on : Saturday July 12th 2014 05:00:05 AM
g: 0 Posted By: jr9726
Views: 99 Replies: 1 My credit card was just charged yesterday, July 11, 2014 by this SJ KUNDBOKNING twice, one for $198.36 and another for $133.49, in an attempt to max out my credit card. Luckily, I only had about $400 of available credit left on it. I was getting ready to pay my bi-annual insurance premium so I made an extra payment recently and went to check my online statement to see if it was already credited. That's when I noticed this unauthorized charge on my account. I was infuriated. That was a lot of money to me. Now, I don't have enough available credit to pay for my bi-annual insurance premium which is due by next week because of this unauthorized charge. So I called the bank right away and they too knew that this was a scam charge after checking their database. They took care of the unauthorized charges by taking responsibility for them while they investigate and alert authorities, and they restored my account balance. They also deactivated my credit card and issued me a new one after confirming the last valid charge. They told me that this scam charge may have been carried out through hacking some vendors' point-of-sale computers and that there was nothing I could have done to prevent the scam artist from stealing my credit card number on those vendors' files. So check your online statement and report this unauthorized charge immediately if you notice it. That is the only way to stop the scam. Another way is to have the perpetrator of this scam arrested if you know who it is. If you do, please call police and report the credit card thief!
Personal Finance Deals
Free Kindle Book- How's That! A Layman's Guide to Cricket
Added on : Saturday July 12th 2014 04:00:05 AM
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/gp/product/B00ARYAZPE/

It is a book which explains the game of cricket in a way that isn't over-complicated, takes nothing for granted, doesn't over-simplify unduly and - which is very important - doesn't treat its subject in such a facetious manner as to defeat the whole object.
It doesn't pretend cricket isn't a complex game, but it does make sure that you pick up all the pieces of the jig-saw puzzle in the proper order so that everything makes sense right from the start, with every new piece added clearly helping to build a bigger picture and helping you to enjoy the game even more.
It is enhanced by lively and charming cartoons drawn by Tim Parker.
g: 0 Posted By: CanisMajor
Views: 97 Replies: 0 The threads mentioning this have been archived as far as I can tell, I also posted this in the deal discussion forum Class Action thread. Just got this email today:

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

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

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

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

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

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

Sincerely,
Settlement Administrator
ING Rate Renewal Settlement Program


Discussion Deals
Bonus not paid as in contract over last two years - what to do?
Added on : Tuesday July 08th 2014 12:00:06 PM
g: 0 Posted By: pillsdoughboy1
Views: 87 Replies: 1 Hello,

I recently looked over my employment contract and noticed some not so great discrepancies related to bonus payments. My bonus income over all bonus pay periods has not been paid as contracted. I am in a bind because I really like my job, and the immense flexibility it provides me, so do not want to create friction. Additionally, I work in the North American office with 3 other people so management/hr that I deal with are my coworkers and direct managers.
contract said: In addition to your base salary, you will participate in an incentive plan comprised of the following:
1) The incentive (variable income) will be determined by the fulfillment of company wide as well as personal Target achievements, which will be annually redefined.
2) The variable income may range from 0% to 200%. 200% is equal to the maximum annual incentive of $ xx,xxx.
3) For the current fiscal year 2011/2012, which will end on September 31, 2012, the variable income is defined to be 100%

1. Only issue here is that the goals get defined 3 months before the end of our fiscal year and end up being "garbage" goals.
2. Turns out the BoD has the option to limit everyone's maximum annual incentive to some % lower than 200%. The past two years it has been 125%. The contract implies that you have the ability to reach 200%, but you do not. In this case why not right the contract as, "0% to infinity % where infinity % is $infinity". To me this is misleading. Nothing about limitations or reductions mentioned anywhere in my contract.
3. Reading this lines suggests that I would receive 100% of the variable annual incentive. Of course when it came time to pay I got the pro-rated annual variable income for time worked in that fiscal year. Since this was way back do I have any recourse?

To clarify, the annual compensation is broken into some more specific categories (also previously unknown to me), only 30% of last year and 40% this years annual variable comp are limited to the 125%. In total my potential lost wages is roughly $5500 over two years.

My thoughts on courses of action:
1. sue now (prefer to not go this route to keep the peace per say plus the lost $ is not worth it to me)
2. sue if/when I move jobs (what are my statue of limitations here)
3. Ask for mangers/hr for compensation based on contract
4. Other?

What would you do in this situation? What other remedies would you seek?


TIA


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

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

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

TIA
Personal Finance Deals
Advice for disabled friend on how to invest $350K
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: ChippyNY
Views: 100 Replies: 4 I have a close friend who's unable to work due to chronic disability from medical malpractice. He received about $350K and he receives Social Security Disability, but SSD is enough to cover only his rent. If he does nothing, the money should last him only about eight more years. He's 48 and his family members tend to live into their late 80s or 90s. What should he do to safely invest this money but get more than 0.8% interest which he currently gets through online banking? I don't think he's up for investing in real estate.
Investing Deals
Medical loan advice
Added on : Monday July 07th 2014 11:00:09 AM
g: 0 Posted By: The111
Views: 147 Replies: 2 Here is my situation:
May need to pay ~$60k out of pocket, up front, for a medical expense that insurance won't cover (long story)
Spouse and I both have excellent credit, minimal debt, and stable decent-paying jobs
I could (barely) afford to pay the bill with cash on hand, but would rather borrow it than expend my cash reserves

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

Any advice is much appreciated. Thanks.
Personal Finance Deals
$0/yr income for fun and profit
Added on : Monday July 07th 2014 11:00:08 AM
g: 0 Posted By: yurgreat
Views: 265 Replies: 10 I got laid off. Unemployment will last me to the end of the year.
That got me thinking about what if I don't find a comparable job in 2015.

I have 5yrs expenses in the bank, I-Bonds, and stock market. (Does not include my 401k.)
I can also tap into my HELOC for an additional 2yrs.

So if I don't work at all for 2015, what kind of free $..er..aid can I get from the govt in 2016?

Or is it nothing because I own a house?
(BBB, we miss you )

edit:
single, no kids
State= Va
Question Deals
Lots of turnover at work- impact on career choices?
Added on : Sunday July 06th 2014 04:00:10 PM
g: 0 Posted By: SodiumChlorida
Views: 152 Replies: 2 Got hired in in 2011 out of college. Steady progression, including a promotion a year ago. Money is enough to pay my mortgage andbills,but nothing special (46k). Work for a large financial services company. My particular department hasbeen very stable, up until recently. Our dept headgot terminated and mydirect supervisor left shortly after that. We are left with one supervisor (my formerboss). He is on the verge of retirement (likely after a new management team isbrought in). Considering the workers in my dept, I think there willbe opportunities for me to get promoted again.

With what will likely amount to all new management, do you think I wouldbebetter off jumping ship to getbetter pay? Or stay put.and hopefully move upwards with the turnover? I have 3 years of experience at this point, and I think if I move to a new company, it would have tobe a lateral move. Although Iwould definitely get abump in pay which would be nice.

What do you think thebest move is for me career wise?
Discussion Deals
Dealer Service damaged vehicle - chargeback?
Added on : Sunday July 06th 2014 11:00:08 AM
g: 0 Posted By: cbyahoo
Views: 135 Replies: 1 Man, I've had one of those "awful" service experiences with Ford dealer.
I had a really expensive brake job on a commercial class vehicle. I knew the service would be expensive ($1400), but I wanted Ford to warranty the work and not have anything to worry about for a while. I'd do it myself, but this vehicle has a history of brake issues in general and I wanted the coverage.
Dropped the vehicle off, they inspected it and came up with the following:
1) Dragging front brakes, which I indicated when coming in - Recommended rebuilding all calipers and full brake job.
2) "Dirty" Fuel system - said the fuel filter was of unknown age, air filter was dirty upon inspection, and throttle body was dirty upon inspection.
3) Rear differential seal leaking (knew this going in).

I asked them to replace (not rebuild) front calipers, rebuild rears, and service the differential. I declined the fuel system service, but this caught my attention because I knew the air filter had 2k miles on it. Also the throttle body is way in the back of this thing, it's somewhat difficult to inspect. Total for service, about $1600 for the things that I approved.

They called, said it was done, picked it up a week later. Paid, picked up the keys and walked back to get it. I immediately cracked the air filter housing, wanting to see that "dirty" filter. It was clean... So I immediately got under the vehicle.
Front calipers new - new hardware, new pads. Rear calipers look great, new seals, new hardware. I notice that the front rotors haven't been turned and I had specifically discussed this with the service adviser. I can't see the rears due to a cover, but on a vehicle this big, getting the rotors off is a big job and represents at least 50% of the labor. Basically they charged me a lot for labor that they didn't actually do.

Walk back to the service adviser, he says "he'll check" - goes in the back for 15 minutes. Apparently the lathe was "down" and no one said anything. They indicate that there isn't anything they can do. I said "not OK". The sent me to the service manager.
Service manager apologizes. I tell him I want to take it and they can discount the work - I'll have it finished elsewhere. He says they'd rather complete it- "do it right". They offer some other minor services for free and I let them keep it and indicate they'll need to do something "else". I think this was my mistake as I didn't walk - and it allowed them to clean up the mess they were in - and I could have charged it back at this point. I did make sure the general manager had some visibility into what happened here.

Forward one week - they call, say it's ready (again). Won't discount it. Offer to deliver the vehicle (it's 1.5 hours away) and fill it up with gas. I OK that. They offer credit for future services (yea, right)!

Pickup the vehicle. Both mirrors have blue impact marks down the sides, not huge, but noticeable. Right mirror is out of alignment and isn't usable without disassembly. I call them, send photos of blue paint - which matches their service bay lifts. Indicate that the right mirror will need to be replaced and the left one must be replaced in order to match. Send them the part numbers + $100/labor, which is about $550. They say that the want to make it "right" and I need to let them have the vehicle again. I indicate that it's not going in for service at that dealership and that they can cut a check. They said they'd discuss it and get back to me, but that was a week ago.

At this point, I assume they're not going to discuss or cover the bill. Two questions:
1) Can I charge back due to damage that occurred as part of their service? Card terms indicate that incorrect service or incomplete service can be charged back, but nothing about damages due to service. Chances of success?
2) I realize I can sue, of course, but we're looking at $100-$200 to have them served, court fees, etc... My time is worth more than the net result.

I have refrained from writing reviews, but I do have the "nuclear" option of documenting their "mistakes". I have written copies of them indicating that I have a dirty fuel system - dirty air filter and photos of an almost new one showing up.. Not to mention failing to actually do the work they were billing for the first time. I have not contacted Ford. I don't buy new vehicles, so I'm probably not that strong of a reference customer.

Best case, the failure to do the brake work was a communications failure and they didn't actually look at the fuel system, as that's a pretty standard dealership up sell. Worst case, they're charging for things that they don't actually do and trying to get away with it along with up selling the typical high margin services.






Question Deals
g: 0 Posted By: lovelybones
Views: 143 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16879338017&...

Keep your PlayStation Move Controllers as well as your Sixaxis Controller fully charged, and ready to use, while keeping everything organized in a small, elegant charging station. Since Sony PlayStation 3 Controllers and Move controllers (The Navigation Controller and the Motion Controller) have internal rechargeable batteries, operating this charging base is simple. Just stand the Move controllers vertically on the base, and rest your Sixaxis controller on the base as well. You can recharge your controllers, with out having to plug cables into them, or your PlayStation 3 Console. This Charging Station is powered by an AC adapter, which means nothing will have to occupy a USB ports on your console in order to recharge all your gear.
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Newegg Coupons
Legal Advice in Civil Injury Case and Necessary Actions
Added on : Thursday July 03rd 2014 10:00:10 AM
g: 0 Posted By: couponkid319
Views: 52 Replies: 2 Hey guys,

Sorry if this is in the wrong forum, but a little advice would be greatly appreciated. A family member of mine in PA was injured recently in an accident on public transportation, and started a civil injury case. He hired a lawyer, went to court, and has had many medical expenses. Recently, this family member received a letter informing him that a settlement had been reached and agreed to by his lawyer (without his consent.) He has talked to his lawyer, and his lawyer claims that he had verbally agreed to the conditions of the settlement which is not true. He is now trying to reach out to the court and set aside that settlement and trying to take the case back to trial. What forms must he submit to the court? To further complicate the issue, the court has said the settlement was reached in March (but he had not heard anything or had anything presented to him until last week.) His lawyer has been completely unresponsive and refuses to forward documents. The biggest problem in the settlement is that he claimed medical expenses (past and future) would be covered, but that is not at all the case. He proceeded to have my family member visit many doctors who did virtually nothing and charged exorbitant fees, which are being claimed as part of the settlement. Can he still fire the lawyer? Does he have to petition the court to have him removed? If not, what happens when the lawyer demands his settlement fees. My family member has offered to pay all consultation fees for the lawyer's time but will not accept a settlement that leaves him with nearly nothing but thousands in medical bills. What document is needed to set aside the settlement? And is this a case of "nunc pro tunc?" Please help, I'm ignorant when it comes to these subjects and spent countless hours at a law library and searching the web to figure very little out.

Thanks!
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 Description

The Replicator 2 Desktop 3D Printer from MakerBot utilizes MakerBot PLA plastic filament for high-quality 3D models while using 32% less energy than its predecessor, the original MakerBot Replicator.

The Replicator 2 provides a 100-micron layer resolution for high quality 3D prints that require little to no sanding or post-production. The Replicator 2 has a build volume of up to 410 cubic inches. This allows you to print multiple things at once for complex assemblies.

The Replicator 2 3D Printer connects to your computer via a USB cable. You can also transfer print files via a Secure Digital memory card. In conjunction with MakerBot MakerWare software, you'll be able to quickly and efficiently print your 3D models with ease, thanks to the user-friendly interface and intuitive icons and menus.

Built with a powdered-coated steel frame, the Replicator 2 can handle high print speeds. The wear-resistant, oil-infused bronze bearings requires less maintenance for added convenience. The 3-point leveling system allows you to adjust more precisely than the original Replicator and stay level for longer. The pop-out acrylic platform makes it easier for you to remove the finished 3D printed model. The updated extruder also requires less maintenance.
Highlights

11.2 x 6.0 x 6.1" Build Volume
100 Micron Layer Resolution
Uses MakerBot PLA Plastic Filament
USB and SD Card Connectivity
3-Point Leveling System
Pop-out Acrylic Platform
STL, OBJ, THING File Formats
MakerBot MakerWare Software
Mac, Windows, & Linux Compatible
3D Printer Made in USA
Features

100-Micron Layer Resolution
The Replicator provides additive manufacturing at 100-micron layer resolution for high quality 3D prints. The high resolution 3D models are smooth so they require little to no sanding or post-production.
410 Cubic Inches of Creative Potential
With a max build volume of 11.2 x 6.1 x 6.0" (12.75" diagonally), the Replicator 2 can print 3D models with up to 37% more volume than its predecessor, the original MakerBot Replicator. It can therefore make complex assemblies in fewer runs as well as produce whole projects instead of just single items.
Designed & Optimized for MakerBot PLA Filament
The Replicator 2 is optimized for MakerBot PLA filament, which is a renewable bioplastic, making it environmentally friendly. The PLA filament can build big with dimensional stability, and it doesn't stick to the platform, resulting in little to no peeling, curling, or sliding. You can also expand your creative palette with a whole range of matte, translucent, shimmery, metallic, and sparkly colors. The PLA filament is strong, which works well for printing out moving parts and complex assemblies. PLA filaments are also ready to print in less than two minutes and have a minimal shrinkage factor, which results in smooth builds with no cracks. PLA filaments also use up to less than 32% energy than ABS filaments.
User-Friendly with Minimal Maintenance
The Replicator 2 requires no assembly. It also has wear-resistant, oil-infused bronze bearings for less maintenance, such as nothing to wash, dissolve, scrub, or tape. The 3-point leveling system adjusts more precisely than the previous model and stays level longer. You can also remove your 3D models easier with the pop-out platform. The Replicator 2 also uses 32% less energy than the original Replicator, thanks to the PLA filament. Also, the updated extruder requires less maintenance as well.
Professionally Engineered
With advancements over the original Replicator, the Replicator 2 has an industrial-strength, powder-coated steel frame, made to handle high printing speeds. It can quickly print projects with optimized software and hardware as well as improved acceleration control firmware.
MakerBot MakerWare Software
With the MakerWare software, the Replicator 2 can prepare models for printing up to 20 times faster, thanks to the MakerBot slicing engine. Just drag and drop multiple models right onto the virtual build space and then make them all at once. MakerWare also supports .stl and .obj files, which is also supported by a majority of third-party design software. MakerWare also supports the .thing file format, which can save multi-part projects into one file. MakerWare has a user-friendly interface with intuitive icons and controls.
Durable Build
The Replicator 2 has a black powder-coated steel frame for durability. It is resistant to changes in temperature and humidity. The Replicator 2 is also customizable as well as designed for quiet desktop operation.
Specs

Product Type: 3D Printer
Product Family: Replicator
Print Jet: Single
Supported Material: Plastic
Brand Name: MakerBot
Print Technology: Fused Filament Fabrication
USB: Yes
Layer Thickness: 0.4 mil
Print/Creation Size: 6.02" x 6.10" x 11.22"
Filament Diameter: 68.9 mil
Height: 15"
Width: 12.6"
Depth: 19.3"
Color: Black
Form Factor: Desktop
Manufacturer: MakerBot Industries, LLC.
Product Name: Replicator 2 Desktop 3D Printer
Product Line: Replicator
Application/Usage: Office,Home
Manufacturer Part Number: MP04948
Manufacturer Website Address: http://www.makerbot.com
Material: Powder Coated Steel - Chassis,Polyvinyl Chloride (PVC) - Body,Acrylic
Weight (Approximate): 25.35 lb

www.ebay.com/itm/371084625117
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Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

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

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

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

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

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

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

Discussion Deals
Elderly Parent fall and financial implications
Added on : Tuesday July 01st 2014 09:00:08 AM
g: 0 Posted By: lovethedeal
Views: 62 Replies: 0 Longtime member but I don't post too often. Hoping I can get some advice from the members.
My father is 86 and prior to a fall, in ok shape. He swam 1/2 mile 3x a week and ran his practice, in the medical field, 12 hours a week. Mentally sharp and very independent. You would have never know he was 86.

About 2 months ago, had a fall at home. Broke his shoulder. In the ambulance they gave him morphine and in the ER an additional 4mg of morphine and percoset. He was out of it for two days. He transferred to a rehab facility but was unable to walk at all. He was making slow progress at the facility and 3 weeks later was able to walk minimally with assistance. Shoulder was still non-functioning.

They were barely doing anything for him, just trying to get his 100 days of medicare out of him. One night, at 11pm, he got out of bed to go to the bathroom, tripped and fell on a lip from the bathroom to the living space and broke his hip, pelvis, and knee (which I suspect may have been broken in the initial fall, hence the reason he couldn't walk. Nobody caught it.) Nobody called me until the next morning, no 911, no hospital, nothing. I live an hour away. I get there, they take an x-ray, determine hip is broken, nothing about the knee or pelvis. They want to transfer him to the local hospital, which is a joke. I insist he be transferred to a level 1 trauma hospital near where I live in the big city. He is finally transferred almost 24 hours later, they lose the paperwork, nobody faxes the stuff to the ambulance company ect. This is a small town, local folk, not very with it.

He is doing well now in the rehab big hospital, after surgery ect. He will be transferring to a new rehab to complete his recovery. My concerns are this; After the shoulder injury, it may have been possible for him to come back to the life he had previously, now I'm not so sure. The office generated enough of an income to pay staff and generate a salary for him. He has little savings. My mother has passed away and they were big spenders. What can I do to protect the assets he has left? Some savings, home, car, practice. Is there anything else I should be doing? My Mom went really fast three years ago, so I haven't had to deal with long term care before.

Any advice appreciated. Sorry for the length.


Personal Finance Deals
Guarantee Issue vs Fully Underwritten Disability
Added on : Sunday June 29th 2014 09:00:05 PM
g: 0 Posted By: BNizzle
Views: 49 Replies: 0 I'm currently shopping for long term individual disability insurance, and I've been presented with a dilemma. There are two identical policies which differ by guarantee issue vs medically underwritten, that have initial yearly costs that are the same. I'm healthy, and I'm fairly certain that nothing serious will turn up on the physical, but you never know. Is there any reason why I would not purchase the guarantee issue policy over the underwritten one? Are rates more prone to increase on the GI? I'd be interested to hear your thoughts.
Discussion Deals
The Consequences of going ALL IN! - a year later
Added on : Saturday June 28th 2014 06:00:05 AM
g: 2 Posted By: delzy
Views: 99 Replies: 4 I just got back from my annual pilgrimage to Vegas and was reminded of the saga that got me to where I am today: http://www.fullofdeals.com/forums/finance/1041394/

Since I can't comment on an archived thread, I started this post.

LIFE HAS BEEN GREAT since last we talked! I'm grinding out trade lines and while the limits are nothing like they were years past, the banks are still absolutely begging me to borrow and spend.

I have successfully achieved 17 new trade lines and have only been rejected for 3. I have basically been applying for 1 or 2 per month and have been quite successful. Now I know what it feels like to get all excited when a $1000 dollar credit limit is approved.. WOOT! While all my line add up to a whopping total of less than $15k, I have been getting incremental bumps when asking for CL increases every few months.

It has been exceedingly difficult to not fully utilize my meager lines for more of the $18 shiny, I have been sinking my extra disposable into my hoard using the little credit I have. I believe that utilizing the cards and paying in full is what is helping me achieve higher CLs. At the rate I am going, I am looking at a major relapse around 2024.

Back to Vegas, most of the hosts I know have moved or transferred so I'm not really remembered by many. The few that remember me think I blew an inheritance wad and basically have said that my level of play over the last year is insufficient to warrant to the benefits I may have become accustomed to in the past. I did manage a free buffet voucher at the nugget.

Lessons learned?
Buy PMs to hold and Guns to for pulling additional cash out of the plastic.
No, the trustee will not go ask the casinos for your money back.
It is not at all uncommon for gambling to cause BK. It's 2nd or 3rd cause behind medical and drugs.
The system is made by fools for fools and I won't get fooled ever again into acting like a righteous tax slave. There is no shame in enjoying the opportunities afforded to you by the corrupt and inefficient bureaucracy.

Take my lesson and enjoy.
Amazon Smile Donation Program
Added on : Thursday June 26th 2014 04:00:01 PM
g: 0 Posted By: helloimalbert
Views: 11 Replies: 0 Taken from TheRewardBoss.com

Amazon will donate 0.5% of your eligible Amazon Smile purchase to a charity of your choice.
Bookmark this link; http://smile.amazon.com


It couldnt be easier. Just shop using this link above (instead of Amazon.com). The prices are the same so you pay nothing and you will be donating to your favorite charity thats Rewarding! You will see the Amazon Smile logo at the top left and the name of your charity at the top.


I do a lot of shopping on Amazon so now that hard part is to remember to use this link.


Want to change your charity? Click here.
Who are you donating to? Mine is set to The Nature Conservancy
Staples 6/29-7/05 Ad: $3.99 ream a/er, 20% off shipping supply & UPS
Added on : Thursday June 26th 2014 12:00:02 PM
g: 0 Posted By: zmaster
Views: 250 Replies: 1 Searched b4 posting. Looks like another boring week, nothing in the ad.

http://weeklyad.staples.com/StaplesSD/WeeklyAd?storeid=2624563#!...

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Dishonest phone repair shop
Added on : Tuesday June 24th 2014 07:00:05 PM
g: 0 Posted By: yumkie
Views: 202 Replies: 2 I dropped my phone off at a local repair shop to get some items fixed (home button and charging outlet). They told me that the total will be about $119 and a $45 deposit is required. They also told me that they would
have to order the parts which would take about 1 week for it to come in. I called every week for one month, with them telling me excuse after excuse that the parts didn't come in.
After a month, I called and they said that the parts finally came in. I was angry at this point that they didn't call me, so I told them to cancel my order. The informed me that there would be a 30% restocking fee.
I called my credit card company and they opened a case and told me that they would take care of it.

My credit card company received a letter from them. They sent a document (they used square) with my signature for the $45. It looks like this repair shop will be getting to keep my $45 for absolutely doing nothing for me?
What are my options?

Thank you in advance.
Question Deals
Need help!
Added on : Tuesday June 24th 2014 06:00:06 PM
g: 0 Posted By: yumkie
Views: 13 Replies: 0 I dropped my phone off at a local repair shop to get some items fixed (home button and charging outlet). They told me that the total will be about $119 and a $45 deposit is required. They also told me that they would
have to order the parts which would take about 1 week for it to come in. I called every week for one month, with them telling me excuse after excuse that the parts didn't come in.
After a month, I called and they said that the parts finally came in. I was angry at this point that they didn't call me, so I told them to cancel my order. The informed me that there would be a 30% restocking fee.
I called my credit card company and they opened a case and told me that they would take care of it.

My credit card company received a letter from them. They sent a document (they used square) with my signature for the $45. It looks like this repair shop will be getting to keep my $45 for absolutely doing nothing for me?
What are my options?

Thank you in advance.
10% off entire purchase at Vitamin Shoppe
Added on : Tuesday June 24th 2014 02:00:02 PM
g: 0 Posted By: FWjunkie2
Views: 75 Replies: 0 Enter Code: UWNJA2G7 at check out.

Expires June 24, 2014, at 11:59PM

I got the Whey Pro Tech 24, 5lb for about $45 before tax. Better than nothing. Don't forget to buy via Fatwallet link for another 1 % Cash Back deal. I used my American Express 2% Cash Back on everything too.

Whey Pro Tech 24 is only 30.4 grams a scoop (about 74 scoops in container)
120 calories per scoop
1 gram fat ( 9 Calories)
Total Carbohydrates 3 grams
Protein 24 grams
Sugars 1 gram

g: 3 Posted By: remick
Views: 1234 Replies: 1 http://www.amazon.com/gp/product/B00IFKLW9U/

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


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

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


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

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


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

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


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

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


New on 6/22

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

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


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

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


Books Deals

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

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


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

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


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

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


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

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


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

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


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

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


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

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


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

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

Books Deals

Amazon Coupons
Digital comic: Trees #1 - expires June 24
Added on : Friday June 20th 2014 04:00:07 PM
g: 0 Posted By: SlimTim
Views: 64 Replies: 0 https://imagecomics.com/comics/releases/trees-1

Cover price $2.99. Also available on Comixology.com here: https://www.comixology.com/Trees-1/digital-comic/104514

"Ten years after they landed. All over the world. And they did nothing, standing on the surface of the Earth like trees, exerting their silent pressure on the world, as if there were no-one here and nothing under foot. Ten years since we learned that there is intelligent life in the universe, but that they did not recognize us as intelligent or alive. Beginning a new science fiction graphic novel by WARREN ELLIS and JASON HOWARD."

I haven't read mine yet, but Image has a lot of great comics and these creators have done a lot of cool stuff in the past. I prefer the comixology reader, but with imagecomics you get files that can be read offline too. No reason not to get both with this promo!
Totally Free Deals
g: 0 Posted By: beethovengirl
Views: 16 Replies: 0 Hi,

Short story: My bank did not pay interest on my RCA b/c it switched me to paper statements without my consent, though the bank claims it sent me a letter warning me this would happen. However, I never received this letter, and nor did the way they described the letter indicate it was clear I would cease to qualify for the higher rate of interest. Should I file a complaint with CFPB?

Long story: I have two joint Kasasa checking accounts with a community bank (not sure I need to name it here), one with me as primary and one with my husband as primary. When we first set up online access, we each had separate logins, though I was able to view both accounts via my login, and in practice, I was the only party who ever logged in. For the last qualification cycle, I received a notification saying we did not qualify on the account on which my husband is the primary because supposedly we did not enroll in and/or review eStatements even though we hadn't changed anything and had always qualified previously. I emailed the bank, and they initially responded with boilerplate saying we weren't enrolled in eStatements. I then pointed out we did nothing to change our preference to paper statements. They replied: "Our records shows that both you and [your husband] had Online Banking with us but one had gone dormant, which means it was no longer active, becuase of inactivity for more than 300 days. Because the account with [your husband] as the primary was linked to this Onilne Banking account that went dormant, instead of the other, your account was automatically switched to recieve paper statements."
I wrote back: "When I've logged in, I've always had access to both the checking acct on which I'm the primary and the checking acct on which [my husband] is the primary. I view the eStatements for both accounts from my login. As we did not initiate the action to revert [my husband]'s account to paper statements, I'd appreciate it if you could please credit the interest for the previous statement cycle."
After yet more emails, the bank finally claimed, "While researching this I found where a notice was mailed on Feb. 25th stating that [my husband]s online banking username had not been used in 300 days and would therefore be terminated in 65 days. This notice also stated that any eStatements tied to that online banking login would be deleted and the statements would be switched to a paper statement."
I did not receive this letter, though this is not unusual, as I have chronic issues with my mail service. However, it's still unclear how I was supposed to have interpreted this apparent letter, as I have continuously accessed both of our accounts via my login. In fact, I had actually downloaded an electronic statement for the account on which my husband is the primary owner, but the bank says I viewed this from the Statements tab, not the eStatements tab, which apparently is a crucial difference, so "too bad, so sad." The bank has been firm that they will not credit the interest, which amounts to ~$70, given that we also have an associated Kasasa saver account. Should I file a complaint with CFPB?

One of my concerns is that if I file a complaint with CFPB, the bank will just drop me, and these are high-paying Kasasa accounts.

thanks
Question Deals
g: 2 Posted By: zmaster
Views: 330 Replies: 4 Hope this is not a repost. Searched.

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Waiting for Back to School sale. When will that be?

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g: 0 Posted By: ctgolfer
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banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Amex Blue Cash, no Amazon prime, no $100.00 credit
Added on : Tuesday June 17th 2014 01:00:09 PM
g: 0 Posted By: Churchland
Views: 94 Replies: 1 I applied for the Amex Blue cash offer earlier this year offering 1 year of Amazon prime & $100.00 statement credit. After fulfiling the requirements, nothing. I called customer service and said it would take 6-8 weeks to investigate (stall tactic?). Filing a complaint with consumer CFPB & BBB did not help. Amex claimed I never applied for that offer. I guess you need to take screenshots when you apply, not sure if that does any good with these companies.
Discussion Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
Cloud Hashing - Opinion?
Added on : Sunday June 15th 2014 02:00:12 PM
g: 0 Posted By: burgerwars
Views: 93 Replies: 1 I'm willing to throw $299 into Cloud Hashish's bronze contract. Since I can pay with Bitcoin (I got a couple I purchased for a cheap price last year) it's nothing new out of my pocket. Just play money.

How much do you think I'll lose or maybe earn? I've never been a fan of bitcoin, but since it exists, maybe I shouldn't totally ignore it.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 442 Replies: 5 use promo code: SDRONE10

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RC & Hobbies Deals
g: 0 Posted By: ctgolfer
Views: 245 Replies: 3 FLY HIGH AND VIEW FROM THE SKY

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g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
how to dispose clunker for top dollar
Added on : Tuesday June 10th 2014 12:00:11 PM
g: 0 Posted By: bobaldie
Views: 110 Replies: 5 My 01 Altima, single owner is currently with 120k and good body. Recent service visit mechanic said one cylinder is bad and have to replace engine. 120k is nothing for this car but replacing engine is not worth in my opinion.
While service engine light on, how can i get a top dollar for it?

I know i have to buy another car - surely used one - but not decided if i will buy from a dealer.
Question Deals
Business dispute help
Added on : Tuesday June 10th 2014 11:00:07 AM
g: 1 Posted By: money2011
Views: 224 Replies: 6 I own a small business where I buy and sell textbooks. I sell primarily to other companies who are in the business of selling used textbooks to students or renting them out. I just received an e-mail today from a company I've been selling to for a year stating that they are refusing to pay for already delivered books until I provide them with proof of purchase.

1. I can't provide that since I buy from students on college campuses or through craigslist.
2. Even if I could, I would not since that would be divulging sensitive information and could just allow them to bypass me and by directly from my source.

They currently owe about 6.5k. Their terms and conditions on their website state that all legal matters must be held in their jurisdiction which I do not live in. Their T and C however, states nothing about possibly requiring proof of purchase.

What should I do?
Personal Finance Deals
Health insurance issue
Added on : Monday June 09th 2014 12:00:15 PM
g: 0 Posted By: soonerbrink
Views: 78 Replies: 1 Anyone had to pay more because of two insurance plans?

I have two insurance plans. Primary paid the plan amount. Secondary insurance said the primary insurance paid more than the plan allowance of secondary so secondary didn't pay anything. Secondary also told me I don't owe anything because the primary paid over secondary max allowance.

I keep getting bills and I call and tell them I don't owe anything and refer them to the secondary insurance companies comments.

When I called the secondary insurance comapny this time they put me on hold while they called the provider. Secondary insurance came back and said I owe 700 dollars that I was billed because that's how it works in this state."

I asked, "So if I would have dropped the other insurance and quit paying the premium on the other insurance I would owe nothing, but because I paid the premium now I owe 700 dollars." The response was "Yes, that's how it works."

What makes it more ironic is if I only had one insurance, the provider would get paid 500 and I would be out of pocket nothing.
Because we have the other insurance, the provider gets 2000, and now they want me to pay 700.

Thought I would ask for advice before I spend hours reading the fine print of the policies.

Thanks for your comments!
Question Deals
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

So now I have damaged floor and ceiling with not my fault and no one wants to talk to me. I didn't go to any lawyer for advice yet, as I don't have much free time for that, but now I am ready to take some action.

Any suggestion how I should deal with it? Also I think I should be responsible for my deductible if leak came from other unit. Its either that tenant should pay for it or HOA for not protecting building system from freezing.

I am just afraid now that in case there was fire or something worse, I will be left with nothing.

NYC condo location.
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Added on : Saturday June 07th 2014 09:00:05 AM
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g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 use code: MASTERPASS30 at checkout with Masterpass

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Experience with First Command Financial Services?
Added on : Thursday June 05th 2014 01:00:07 PM
g: 0 Posted By: diffeldoof
Views: 90 Replies: 3 Hello all,

I think this is my first thread in FWF, but I've probably read almost every thread over the last year or so and have learned a lot.

I have an appointment with First Command in a few days to discuss our financial goals and they offer a complimentary financial plan to first-time military clients. I hear they are pretty big but there's nothing in FWF about them... just a lot about financial advisors in general. Does anyone use them and care to share their experience and what to expect?

Generally speaking I'm not really looking for advice on our personal situation, but the background is I have a pretty good idea on what we can do investment-wise from reading all the "I have $50K how should I invest?" threads . My wife won't entertain us investing in anything other than TSP until we speak to a "professional."

I'll post our experience if it helps...
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 768 Replies: 3 Content you love
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www.bestbuy.com/site/google-chromecast-hdmi-streaming-media-play...
Electronics Deals

Best Buy Coupons
Google - Chromecast HDMI Streaming Media Player $99.99 w/FS @ Best Buy
Added on : Wednesday June 04th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 140 Replies: 2 Content you love
Chromecast supports Netflix, YouTube, HBO GO, Hulu Plus, Pandora, Crackle, Rdio, MLB.TV, Google Play Movies & TV, Google Play Music and Chrome*, and will automatically update to work with a growing number of apps.
No learning curve
Chromecast taps into the same app and browsing experience you're familiar with on your smartphone, tablet, and laptop, so there's nothing new to learn. Just open a supported app, press the cast icon, then sit back and enjoy.
Remote-free
Browse for what to watch, control playback, and adjust the volume using the smartphone, tablet, or laptop you already know how to use.
Works with Android, iOS, Windows, and Mac
Chromecast works with Android smartphones and tablets, iPhone and iPad devices, Chrome (for both Windows and Mac), and Chromebook Pixel. Support for other Chromebooks coming soon.
Multitask without interruption
Switch to another app, open a new browser tab, or let your device go into sleep mode while you continue to watch your favorites on the TV, all without draining the battery on your smartphone, tablet or laptop.
Cast the Web to your TV*
With Chromecast, cast a Chrome browser tab with anything from photos to music to video from your Windows or Mac laptop or Chromebook Pixel to your TV at home.
Plug in and play
Get started in 3 easy steps: Plug Chromecast into your TV, connect it to Wi-Fi, then cast videos and more from your smartphone, tablet, or laptop to your TV.
Stays out of sight
Chromecast is designed to plug directly into the back of your TV, slipping out of view. It's a small device in its category, making it easy to set up on any TV in your house.
For everyone
Friends and family can use your Chromecast with their phones and tablets without having to set up anything, as long as they're connected to the Wi-Fi network at your house.
High-definition entertainment
Chromecast supports up to 1080p video resolution, so you won't lose picture quality from high-def sources.

www.bestbuy.com/site/google-chromecast-hdmi-streaming-media-play...
Electronics Deals

Best Buy Coupons
Free Kindle Book- Forensic Science
Added on : Tuesday June 03rd 2014 02:00:05 PM
g: 0 Posted By: remick
Views: 116 Replies: 0 http://www.amazon.com/Forensic-Science-David-Malocco-ebook/dp/B0...

True crime and serial killer expert David Elio Malocco (author of Whos Who Serial Killers, The Top 100) has produced a magic little book here on Forensic Science and Crime Scene Analysis.

The author is a former top criminal lawyer with dual degrees in law and psychology and diplomas in criminal profiling and forensic science.

The book is essentially an introduction to Forensic Science and is the perfect companion for anyone interested in studying forensic science or crime scene analysis; anyone who writes about crime; lawyers, solicitors and barristers involved in criminal law; anyone involved in law enforcement or, in fact, anyone who reads crime novels or watches crime programs on television.

Just how accurate are crime programs like CSI: New York, True Detective, Criminal Minds and Dexter? Apparently, there are far removed from reality and mask the clear division of labor which exists between crime science investigators and law enforcement operatives.

The book is packed full of information and is written in a very easy to read and witty style nothing like a text book. It also contains a very helpful Glossary of Terms at the back as well as a comprehensive list of reference books for the serious student.

The first part of the book deals with crime scene analysis what happens at a crime scene, or as David Elio Malocco puts it whats supposed to happen and covers the basics like crime scene definition, recognition and documentation. It lists exactly the sort of evidence crimes scene investigators look for at a crime scene.

The second part is an introduction to forensic science. Once the evidence is collected at the crime various procedures and tests are carried out in the laboratory to help link the evidence to the crime. It covers such diverse topics as fingerprints, firearms, ballistics, computers, autopsies, forensic pathology, poisons and forensic toxicology, the identification of decaying bodies and skeletons, cranio-facial reconstruction, serology, fraud, DNA and cyber crime as well as providing a very comprehensive section on search warrants and other aspect of law and criminal evidence.

But, perhaps the most enjoyable chapter is the tongue in cheek one entitled Committing the Perfect Crime which could have been called Everything You Need to Know about How Not to get Caught but were Afraid to Ask.

The book is a classic companion for anyone interested in crime.
Totally Free Deals
Wolverine Men's 6" Steel Toe Work Boot W08308 79.99 AC / FS @ Sears
Added on : Tuesday June 03rd 2014 12:00:02 PM
g: 0 Posted By: DizzyT71
Views: 52 Replies: 0 Sears has theWolverine Men's 6" Steel Toe Work Boot W08308on sale for $89.99 - $10.00 coupon code "SHOE1050" = $79.99 with free shipping.

Sizes: 7.5-13

Brown wolverine Waterproof Work Boot gives you traction and protection in one boot
Textured leather laced upper stands up to scrapes and abrasions
Polyurethane outsole is both lightweight and long lasting
Fiberglass shank weighs almost nothing, yet delivers tons of support
Cushioned insole keeps you comfortable step after step
ASTM F2413-05 rated safety toe delivers protection you can trust
Padded collar combines support and comfort

4.5/5 Stars based on 57 customer reviews on product page.

Soft Toealso available for same price with coupon code "SHOE1050".
g: -6 Posted By: billrubin
Views: 234 Replies: 6 My wife has checking and savings accounts at People's United. The checking account requires a minimum combined balance of $7500, which I forgot about and she transferred a bunch of money to Chase last month to get a $400 bonus for opening saving and checking accounts. She got charged a $25 monthly fee for the account. We moved money back in to get above the $7500 requirement and my wife asked the manager if she could refund the monthly charge, which we figured they would do since she has been a good customer there. The manager could not do it on her own and had to ask her boss (district manager?) who apparently declined. The manager told my wife to try calling customer service, which seemed ridiculous. So I posted on their Facebook page and got a response back asking for a number to call me at. I figured they'd take care of it. WRONG. The person I spoke to said that unless it is a bank error, their policy is to not refund fees, period, and that since the manager's manager had already said no, there is nothing they will do. She claimed that other banks are the same way but I know that I got Citibank to refund some fees on my account and that was when the branch manager knew that I was closing all of my accounts there. She said "well if we do it for you we have to do it for everyone and the bank will lose a lot of money" and while that is true, they will make even less money when people close their accounts.

This seems like a really short-sighted policy on their part, since clearly it pisses off customers who will then go elsewhere.Am I really being that unreasonable in expecting them to refund the monthly fee? I could see not doing it more than once but it just seems really petty to me.
Credit Deals
Rite Aid 6/15 - 6/21
Added on : Monday June 02nd 2014 03:00:05 PM
g: 0 Posted By: MrVietnam
Views: 101 Replies: 1 Nothing is overly standing out at the moment but here's a couple things, two repeating from 5/25

KY Warming Liquid BOGO 50%
$6.29 + 3.14 = 9.43
$2 MQs upcoming -$4
=$5.43 get $4
$1.43/2 or .71e L2

Bausch & Lomb Peroxi Clear 3 oz $5.99
-$1.50 MQ upcoming
= $4.49 get $3
$1.49 L2

Bayer 81mg Shelf $3.29 $2.63 Gold
-$2 MQ upcoming
.63 (not a bad filler in case you didn't get a ton on 5/25)
In Store Promos Deals
What is FWF anyway?
Added on : Sunday June 01st 2014 02:00:06 AM
g: 0 Posted By: ultrahuntr
Views: 55 Replies: 2 I ask this question because lately when one posts on here and it's not what certain posters think should be there they slam the poster with wrong forum, not enough for me to do, this is just bragging, and an assortment of other junk. I think FWF is about ANY way to make money or to save money, It might not be your cup of tea but when one posts this doesnt belong here thats adding nothing at all. I want to hear everything people are doing no matter what it is. If ones making money eating earth worms I really do not want to do it, but if they are making lots of cash, then where's my damn shovel at. There are so many ways out there to profit, save and invest that all need to be addressed. Now bring on the red, alert the moderators, please add your awesome financial wisdom about crown vics HandB, it never happened ..
Getting screwed on a special assessment
Added on : Saturday May 31st 2014 11:00:12 AM
g: 0 Posted By: NYC-606
Views: 111 Replies: 2 Hey guys,

So I think I'm getting screwed here on a special assessment. I'm being charged $7,200 on balcony repairs when in my opinion they knew about the repairs coming and knew they would be a special assessment. I bought my place in May 2012 and the 22.1 provided said this:
22.1 Disclosure said: Except as noted on budget, in meeting minutes or stated here, no additional capital expenditures/specials are currently being discussed.

When I asked the management company about the special assessment, they claimed they knew about it since 2008.
Management said: The 2008 Reserve Study [updated in 2013] recommended that the balconies be addressed in 2014. [This study was updated in 2013 to say that it was still needed and then they started planning the assessment]

Management said: Check the documents provided as part of your buyer package. Minutes of meetings, the 2008 Reserve Study, and budgets should be part of that package.

Management said: Balconies are limited common elements and the responsibility of the unit the balcony is associated with. The Association has no responsibility in paying for balcony repairs, and cannot use capital reserve funds to pay for the repairs.



As I've stated, these documents were not provided and the only thing I see is a document actually saying that there is nothing planned.

I called the management out on this, and they then changed their tune to this:
Management said: Paid assessment letters state only whether special assessments are being discussed or planned for a finite period. They do not address what will funding will be expended beyond what is stated in the budget for that year, or is present in minutes.

It is not reasonable to expect that there will never be a special assessment. To determine costs of ownership, it is the responsibility of prospective unit owners and their advisors [lawyers and realtors] to request any documents which will assist in determining those costs, and then use those documents to determine whether special assessments will be required.


They are claiming that since it wasn't official, that they don't have any liability in this, but I feel that they have claimed they knew they would need to be addressed, and also that it would always be a special assessment.


I'm trying to contact my real estate lawyer, but he isn't responsive so far. Any help on these forums? Do I have a case to not pay this?


Discussion Deals
g: 0 Posted By: ctgolfer
Views: 6 Replies: 0 There is nothing metallic that Craftsman Magnetic Pick-Up Tool With Light wont pick up and bring back
Powerful telescopic magnets go to work to find lost metal objects
Tool is extremely useful when you're repairing machines and auto Motives
Can be used professionally or at home
It can find and lift anything within five lbs
Light allows searching in dark places
Telescopic magnets pick up objects even in places that are hard to reach
Textured handle gives you good grip even when hands are oily or wet

www.sears.com/shc/s/p_10153_12605_00946946000P
AAA TMOBILE discount EXPIRES
Added on : Thursday May 29th 2014 03:00:05 AM
g: -1 Posted By: Sangel
Views: 36 Replies: 0 Well after a bunch of WRONG info from TMO chat sessions and employees.. I have finally figured out Tmobile AAA discount no longer is going to apply and TMO has ended the relationship with AAA discount.
Anyone have any ideas of other discounts I can apply to lower my AAA bill. Self employed so nothing through work.

HONESTLY I'm gonna have to jump ship if I don't find anything because that AAA discount was what was holding me there for YEARS. I pay for a total of 5 lines plus a tablet and accepted the TMOBILE flaws because the discount but I might as well go with better phone service .

Please no number crunching replies while I appreciate the effort I KNOW TMO can be a BIT cheaper ,but without the AAA discount I would rather just get better service. Phone purchases don't figure in either since I have a huge assortment of available phones to jump ship.

I been with these guys like 10 years being loyal through ups and downs and crappy reception now they are cutting my little discount as THANKS for that and take one up the wazoo!!!!!

Discussion Deals
More Money = More Problems/Stress? How To Stop It.
Added on : Thursday May 22nd 2014 05:00:12 AM
g: -5 Posted By: robronson
Views: 67 Replies: 7 I started making triple my old salary recently by going into consulting and it's nothing but stress and headaches. Before, when I was making roughly $70k a year, I was really happy maxing out my 401k (to the actual max, not the employer match max), maxing out my Roth IRA, maxing out my iBonds, and I didn't really have much left over after living expenses so I basically spent the rest, with the knowledge I had been doing well in my savings (hitting all the maxes), and was comfortable.

Now I have first-world 1%-er problems because being self-employed I can contribute my employer contribution to the 401k as well. I had to shift around my existing Traditional IRA money into my Solo 401k to be eligible for a back-door Roth contribution (which was a huge hassle because none of the account transfer forms worked as expected so I wasted hours and hours getting this done). I have to max out an HSA. I have two sets of I-Bonds I can max out (individually, and corporation's EIN). I have to pay quarterly estimated tax. I have to avoid overpaying the estimated tax, so I don't give the IRS a tax-free loan, but I have to keep the money liquid and free to pay the tax, so I have to maintain a Rewards Checking account and meet the requirements to get the higher rate on this money. I'm juggling multiple credit cards for their rewards, moreso than before, because of all the businesses expenses I have, reimbursable by the client.

I say "need" and "have to" somewhat facetiously because I don't really HAVE to do those things. But it would cause me great stress to let $5k per year in credit card rewards go unearned because I didn't juggle credit cards on my $10k/month business travel expenses. And it would feel bad to not earn 2% yield in a rewards checking account on $20k sitting there waiting to pay SE Taxes.

I made a spreadsheet to track my estimated earnings throughout the year, for tax planning purposes, and I'll be "in debt" to myself until November. In other words, it's not until November that my incoming consulting money will be enough to max out the 401k, IRA, HSA, IBonds, and pay the taxes owed on the income. If I can't keep getting gigs continuously through November, I'm screwed. My contingency plan is to use money earned in 2015 to pay 2014 employer-contribution 401k, IRA, and HSA because those aren't due until April 2015 (and technically I think my employer-contribution 401k can be paid by October 2015 if I file an extension). Of course, this contingency plan is only kicking the can down the road and I'll have problems meeting my 2015 contribution maxes if I use 2015 income to pay old 2014 "debts" to myself.

I thought making a lot of money was supposed to be fun and stress-free? I just feel like Damocles' Sword is dangling over my head. I don't mean this to be a thread about my personal situation. Let's discuss how more money has led to greater stress in your life and what you've done to reduce the stress.
Discussion Deals
g: 0 Posted By: VivYip
Views: 144 Replies: 1 the Staples ad for 5/25 is up; nothing much in my opinion, but anyway:

front page related
20% back on $200 HP toner
10% back on $60 HP ink
$12 for 2 Iris 54-quart Stack & Pull storage box - blue 781454

paper
3.99AR hammermill ream (limit 4?) (praying for coupons at this point)
$59.98 for 2 multipurpose case

copy/print promo
$3 24" x 36" engineering prints

Poppon & notebooks
20% coupon

tech ish (some mention of a $30-300 for trade in event.)
199.99 1000328 Samsung Galaxy Tab 4 7"
349.99 1000329 Samsung Galaxy Tab 4 Lite 10.1"

hoping for decent coupons to show up, but doubtful these days
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: ctgolfer
Views: 114 Replies: 0 shipping adds $5

PROTECT YOUR STUFF
1-year protection plan: $19.99 $31.99 Buy Now
The Samsung Galaxy Tab 3 is packed with features designed to give you a chance to relax and connect with family, to keep you entertained, and to offer new conveniences in everyday life. It works a lot like your Galaxy smartphone, so theres nothing new to learn. Just start having fun.

The Same Galaxy Experience
You love your Galaxy smartphone. Now enjoy the same Galaxy experience on a tablet. Youre already a Galaxy Tab 3 expert. Getting started on a Galaxy Tab 3 is a breeze. Comfortably switch back and forth from your Galaxy phone to your Galaxy Tab whenever. Your content is automatically in sync wireless, fast and for free.

A Powerful Tablet
Enjoy your favorite tablet apps and activities on the Galaxy Tab 3. Search, explore, and buy online with fast web-browsing. Stay connected with friends wherever you are. Download apps, catch up on email, and more. Its fun and easy for the whole family.

Make the Most of Your Downtime
The Galaxy Tab 3 is a universal remote control, toy box, and bookshelf all-in-one! Theres never a dull moment when youve got the Galaxy Tab 3 in hand.


www.woot.com/offers/samsung-galaxy-tab-3-tab-stravaganza
Android Tablets Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 70 Replies: 0 Simple add-on storage that goes with you
The Seagate Expansion Portable hard drive offers an easy-to-use solution when you need to instantly add storage to your computer and take files on the go.

Drag and drop file saving right out of the box
USB powered
Fast data transfer with USB 3.0 connectivity
The easy-to-use storage solution.
The Expansion portable hard drive installs easily by plugging in a single USB cord. You can start saving your digital files to this external hard drive within seconds of removing it from the box.

Instantly adds storage capacity
Digital photos, video and music files can tax your computer's storage, causing performance to decline as its internal hard drive fills to capacity. The Expansion portable hard drive comes in a range of capacities, with the 1TB model offering enough data storage for:

Up to 1,000 hours of digital video
Up to 250 2-hour DVD movies
Up to 320,000 digital photos
Up to 16,660 hours of digital music
Installs in seconds
Seagate Expansion portable hard drive features like these make it incredibly easy to use this drive right from the box.

Simply plug the included USB cable into your computer - no external power supply needed
The drive is automatically recognized by Windows operating system - no software to install and nothing to configure.
Drag and drop to save files to the Expansion portable drive.
Built-in power management automatically ensures energy-efficient operation

www.ebay.com/itm/331209287256
External Hard Drives Deals

eBay Coupons
need advice: Amazon seller experience gone bad
Added on : Tuesday May 20th 2014 07:00:08 PM
g: -1 Posted By: flap
Views: 25 Replies: 0 My fellow citizens of FW, I need *helpful* advice on how to handle a situation selling an item through Amazon. Here's the situation:

1. I sold a brand new, factory sealed electronic item through my Amazon.com seller account. Item was shipped to buyer (trackable shipping) and received by buyer.
2. Buyer contacted me via Amazon email requesting to return the item because he changed his mind. This reason is logged in Amazon emails ("no longer want/need" is the exact wording).
3. I replied to buyer saying that is not an acceptable reason to return and that he needed to keep the item & pay for it.
4. Buyer disputed this with Amazon.
5. Amazon sent me an email about the dispute (without any reason in the email why they supported the buyer's back-out) and flagged a notification in my Amazon.com seller account. In the email, Amazon stated that I had 7 days to reply.
6. (Unfortunately for me, since I was not expecting any emails from Amazon, I was not checking my email associated with my seller account nor was I logging in to my seller account.)
7. Seven days passed and Amazon refunded the buyer the full amount, taking the funds from my seller account.
8. A couple of weeks passed and I finally happened to check my seller email and found out that #4 - #7 above happened.
9. I emailed Amazon and the buyer, independently, about the incident and requested either repayment or that the buyer send the item back to me.
10. Amazon took a hard-line stance saying that since I didn't respond in the 7-day window that the case was closed and there was nothing they would do to rectify the situation.
11. I sent an escalation email to Amazon and a 'Chris S' replied saying the case was closed, no possible recourse.
11. The buyer does not respond to me and in fact complained to Amazon that I was sending 'inappropriate' emails to him (fact is there was nothing inappropriate. I said that if he didn't return the item or pay for it that I considered it theft and would pursue it as such).

I'm incredibly disappointed/furious with Amazon on this. They refuse to assist me or provide any avenue for resolution even though I would think this behavior falls into unlawful territory. I don't believe I did anything wrong in this (am I'm being blind!?) and feel that I'm the victim of theft. The item was worth a few hundred dollars. Now I am out the *item* and the *money*. I do have some lawyer acquaintances who I can bring into this if needed. I also know where the buyer lives (in CA), his profession (realtor), and his phone.

Fellow FW friends, what should I do ? (walking away from this, eating the few hundred dollars and chalking it up to life's lessons isn't the FW way )

Question Deals
New driver with $5k car damage. Please help me decide what to do.
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 1 Posted By: vholic
Views: 202 Replies: 9 I'm a driver in my 30s, however I only got my driver license recently (Oct 2012). I live in MA with a full coverage insurance for $3,033/yr with $1,000 deductible.

Car info:
2009 Mazda 3 S Touring Hatchback 41,500 miles
Purchase used in Jan 2013, paid cash OTD $16K (incl tax & everything)
Blue Book value as of today: Trade in to dealer in fair condition $10K
Recent repairs: $1K for one new tire, one new axle/CV joint, all new rotors (Apr 2014)

I got into an accident in an underground parking lot last Sunday. I hit the cement support beam when backing up and had some damage to the left side of my car. All lights are still functioning after the accident. Pic attached.
I went to 2 reputable body shops. Body Shop A quoted me $5,500 (big shop, everything is guaranteed). Body Shop B (mom&pop) but also reputable quoted me $4,200 insurance or 10% disc if I don't do insurance.
The car needs a new quarter panel, bumper and rear lights-left side.

Please help me decide what to do:
1. Do nothing. Knowing that I'm a new driver, I don't think this will be my last accident. I will use this car as my "training wheel" for 3-4 years.
2. Claim my insurance. I will get 4 points in my record for 5 years. Insurance will incr to $3,917/yr. My out of pocket will be $1K ded + 2 weeks of rental car (found out that I don't have rental coverage).
3. Pay the repair out of pocket.
4. Go to a cheap/somewhat shady place looking for a repair that costs half as much (~$2K).
5. Sell my car as is (maybe ~$6K?) and get a crown vic.

I'm leaning toward option 1 right now. Need some opinions on pros & cons. Thanks in advance.

Pic: http://i.imgur.com/DhdxvdO.jpg

Personal Finance Deals
g: 0 Posted By: rendition
Views: 123 Replies: 0 Ceramic peeler and knives. This set comes with one 3" knife and one 6" knife as well as a vertical peeler for $11.99 with free shipping.One 3" and one 6" blade protector are included.

http://www.aurabuy.com/bestlead-3-6-ceramic-knives-set-peeler-bl...


Ceramic knife & peeler info:

- Steel knives dull quickly by developing burrs on the blade.
- Ceramic knives are made of zirconia which is nearly as strong as diamond.
- Ceramic knives keep their razor sharp edge because the blade will micro-chip over time, leaving plenty of sharp blade behind, they will not burr.
- Even the largest ceramic knife can cut a potato thin enough for chips or tomatoes so thin you can see through them.
- Zirconia is a bio-neutral material, it leaves nothing on your food like a metal knife will. You can cut a head of lettuce with a metal knife and the metal ions will start to turn the lettuce brown, this will not happen with a ceramic knife.
- Ceramic knives are a must for health conscious chefs, vegans and raw foods enthusiasts.
Home & Garden Deals
AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

Question Deals
Free Kindle Book - THE HELMSMAN: Director's Cut Edition
Added on : Monday May 19th 2014 09:00:07 AM
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/gp/product/B00J9GGM3K

Originally published in 1983, when the novel sold thousands of copies in its first printing, The Helmsman is the starting point for Bill Baldwin's epic, eight-part militaristic space opera - The Helmsman Saga. Using actual histories of World Wars I and II as template, the novel chronicles the adventures of StarSailor and extraordinary Helmsman Wilf Brim during an epoch of discord and outright war among various star-nations within our own galaxy.

This special, "Director's Cut" Edition is heavily re-written, a la George Lucas' rewrite of the Star Wars Trilogy, to bring it more in line with later novels in the series, as well as existing "Director's Cut" Editions of Galactic Convoy, The Trophy; the five other "Director's Cut" editions to come; and the continuation novel now in the works: The Turning Tide.

The novel begins as Brima 21-year-old SubLieutenant in the Imperial Fleetarrives at the Eorean Starwharves, a maintenance complex within the planet-spanning Fleet base on watery Gimmas-Haefdon. On first assignment since receiving his commission, Brim is fresh from The Helmsman's Academy, where he weathered years of torment from wealthy classmates because of his impoverished background. Heretofore, the Academy had been a "private club" for the scions of Imperial wealth; however, enormous numbers of casualties during the present war with the League of Dark Stars has called for desperate measures to expedite replacement of these losses.

Brim's first ship is I.F.S. Truculent, a T-class destroyer, just the right kind of starship for the young Brim to cut his teeth onwith challenges galore to rapidly make a veteran of the young Helmsman. And even though his torments continue, in part because of long-held prejudices among the wealthy, the starship is populated with a crew largely made up from races and economic classes glad to help the young man with his career in any way they can.

As one might expect, the love interest for this poor-as-a-church mouse hero is none other than one of the Empire's most beautiful, most desirable royalty: Princess Margot of the Effer'wyck star kingdom. And though nothing goes easily for Brimincluding Princess Margot herselfhe acquits himself with bravery, aplomb, and daring as he begins carving a future for himself in the midst of a long, complex Galactic struggle.
Totally Free Deals
The Last of Us - PlayStation 3 $29.99 w/FS @ Best Buy
Added on : Thursday May 15th 2014 09:00:02 PM
g: 0 Posted By: ctgolfer
Views: 54 Replies: 0 Embark on a thrilling survival adventure across a United States wrecked by plague
Join Joel, a brutal survivor, and Ellie, a smart and gutsy teenage girl, on their journey
Explore massive cities that have been abandoned and reclaimed by nature on your way across the U.S.
Immerse yourself in the exciting storyline that carefully weaves survival elements with action
Battle other survivors who will stop at nothing to get their hands on vital supplies, including food and weapons
Developed by Naughty Dog, the creators of the popular Uncharted franchise

www.bestbuy.com/site/the-last-of-us-playstation-3/5400601.p?id=1...
PS3 Games Deals

Best Buy Coupons
SQUATTERS! what would you do?
Added on : Thursday May 15th 2014 07:00:09 AM
g: 0 Posted By: solarUS
Views: 23 Replies: 0 I acquired a tax lien on a property in my town (New Olreans) last year. An old double very close to the French Quarter, with good bones, but needing total rehab. Under state law, the earliest I can acquire full title to the house isspring 2015. Meantime, there are now squatters set up in it. The front doors both lock, but the back door has been off the house for some time (before i bought it) and that is their point of entry. They have put some nasty furniture in it, and even cleaned up all the shit that was there from the last set of squatters. There are absolutely no utilities, mind you. These are gutter punks, and crazy ones it looks like, given all the nutty writing all over the walls ("i'm sorry i missed agent orange" for example). My only real concern here is that on a cold night, they start a fire and burn the house down...happens pretty often down here. Not a big concern in the summer, but I would prefer to nip this in the bud. Insurance is obviously improssible. There is a provision with tax liens, that a lienholder can take possession of a property in order to protect it. I did ask a lawyer about this, who said i can do what's necessary, but i paid him $0 so i value the advice at that. The property is worth a bit of money, even in the present state. I'm guessing $60-70k. I have about $4-5k in it. The house burning down is really the only way i lose here.

Options:
1) Approach owner to purchase house. Not likely, given that there is an "et al" on the title, indicating that there is more than one party.
2) Call police for trespass. NOPD are horrendous. Likely to get nothing out of this.
3) Rent dumpster. empty house. board everything up with a preponderance of nails. My preferred option.
4) Report a break-in. Might get the cops out faster.
5) say "screw it" until the weather gets cold, and hope they leave by then.

Anything I am not considering? other options? risks? TIA
g: 0 Posted By: remick
Views: 120 Replies: 0 https://livegreen.recyclebank.com/earn/what-s-next-the-2014-beach-to-bay-marathon

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Staples Gift Cards - Lost/Stolen Saga
Added on : Thursday May 15th 2014 12:00:04 AM
g: 0 Posted By: vishalj77
Views: 51 Replies: 0 I ordered 2 Staples Gift cards (2 separate orders) from Staples.com almost a month ago, and since I had just moved, I had the cards shipped to a nearby Staples store. For security reasons I assumed it would be better to have them shipped there, and I could just go and pick them up.

I received an email stating that my cards were shipped, with the USPS tracking #. When the tracking # showed as 'delivered' I went to the store and spoke to an assistant manager, who told me to come back after 2 days as the manager had the key to the locked mailbox, and she wasn't in at the time.

I come back 3 days later, and the assistant manager gives me one envelope (which was opened) This contained one order, and nothing else. I asked her about the second order, she replied that this was the only one they found. She asked me to wait while she went in the back and called corporate.When she came out she told me that corporate would ship out a new replacement order via UPS (instead of USPS) and it would be there in 3 business days.

I go back to the store after 5 days, and this time she tells me that they haven't received anything. At this point, I was becoming a bit frustrated and suspicious (because the tracking #s clearly showed that both orders were delivered, and it made no sense as to why one would be delivered and the other wouldn't) so just to cover myself, I recorded the entire conversation on my phone.

She gave me an incorrect phone # for the Staples call center, so (unbelievably) I had to go back to the store and get the correct #. I also emailed Staples customer support, and a representative emailed me back stating that she spoke to the assistant manager *and* the manager of the store, and they said that I had picked up both orders! She also said that they don't ship out 'missing' gift cards and there are no refunds. I've left a voicemail, but so far no one has called me back.

I'm pretty pi$$ed off by now, I've visited the store 4-5 times (each time spending over 20 minutes waiting and waiting) and this is what I have on my phone:

A recording of the manager and a easy tech staff member assuring me that the missing order would be shipped out to me
(next recording) A recording of the assistant manager confirming that I only received one order, and that she did call corporate and was told that they were shipping out a replacement order. Nothing showed up, and there was nothing she could do and that I had to call corporate.

I don't know if someone's lying here, or this is just a big mess - I'm leaning towards the former. At any rate, it should be easy for Staples to find out who redeemed the gift cards, correct? If redeemed online, they can lookup the address to whatever the items were shipped to, and if in store - they can have video surveillance. Any ideas on what to do next?
Question Deals
Interesting strategy to deal with a collection account
Added on : Wednesday May 14th 2014 06:00:08 PM
g: 0 Posted By: Silverthunder
Views: 39 Replies: 1 Here is my situation:
I was being careless/ somewhat silly with a small balance that I owed Comcast. First, I was keeping it around so that I could run .01-.10 charges through the account to satisfy rewards checking account requirements. Then, paying it was on my to-do list for a long while. Then, I was going to call them and get them to remove the late charges and then pay the balance. Finally got around to calling them today. It's Comcast and I am getting nothing but the runaround from them. All along, Comcast wasn't sending me bills or collection threats which is what made me too laid back about the whole thing.

I am pretty concerned that this collection account will hit my credit and affect my ability to open a lot of new credit cards like I enjoy doing

the first rep that I spoke to said that it's in Comcast's internal collection department. I told them I will pay it if you first send me something in writing that you will erase/ not report it if I pay in full (need them to send before I make a payment). No luck with that. I got them to have a supervisor call me. Supervisor was no help. Next, I called back and got someone one the phone that said that the account had been turned over to a collection agency. However, there are 5 or 6 ones that they use and he didn't know which one. He gave me the name of 2 of them. I called both of them; one I left a message for and the other one doesn't get any business from Comcast.

Since the collection account is a small amount, I think that I will probably just pay Comcast. This might "pull" the collection account back to Comcast and that way it never was a collection account. I don't believe that Comcast's internal collections department will report to the credit bureaus (this is what the 3rd Comcast rep that I talked to told me & I have personally seen over 1000 credit reports of people that live in an area that Comcast serves and I don't think I have ever seen Comcast reporting directly except for a credit pull).

If I do hear from a collection agency, I have multiple lines of defense. interestingly enough, one of them wont be "oh, I already paid that to Comcast" as they may just change it to a collection account with a 0 balance.
Discussion Deals
Dependent Care/Preschool Tax Implications
Added on : Tuesday May 13th 2014 10:00:18 AM
g: 0 Posted By: raringvt
Views: 3 Replies: 0 Wife & I are enrolling our son in a pre-school this fall for 2 days a week at a cost of $350/mo. I'm trying to get a handle on the tax treatment of our expenses. We both work, both have a dependent care flex spending option through our employer (nothing contributed to it for 2014, so unless we have a qualified event this year, we're SOL). After reviewing a generic 1040 & Form 2441 as well as reading a few articles on the topic, I'm not sure I'm 100% clear on our best course of action.

It appears from form 2441 that since our AGI is > $43k (about $68k in 2013--s/b around the same in 2014), the most we can take as a credit for our expenses is 20% of our out of pocket amount. For Aug-Dec that's 350*5=$1,750 * .2 = 350. So our credit would be $350 when our expenses total$1,750?

If I had contributed $1,750 to my dependent care FSA, it would have knocked $1,750 off my wages for tax purposes, which, excluding any technicalities (I'm not trying to be exact here) would reduce my taxable income by $1,750. Assuming we're in the 15% federal tax bracket: 1,750 * .15 = 263 benefit for using the employer dependent care FSA. Also, my state tax (VA 5.75%) would be reduced (since my AGI is reduced) by 1,750 * .0575 = $100. Bringing my total benefit to $363.

Am I following this correctly? It's only slightly adventageous to use my FSA? In 2015, I'll be paying for a full year...but it essentially works out the same. If this is correct, for 2014, I'll just take the credit and for 2015 I will plan to contribute an amount that I KNOW we will spend to my (or wife's) FSA. Any other strategies to make this cheaper?

g: 0 Posted By: ArtieLange
Views: 131 Replies: 2 Seagate Expansion 4TB USB 3.0 3.5" Desktop External Hard Drive Black $129.99 shipped w/code EMCPEWG77 Newegg

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How I made a spash at Aquavera Park
Added on : Monday May 12th 2014 11:00:13 PM
g: 0 Posted By: lydiaaroyal
Views: 8 Replies: 0 And the countdown can officially begin, summer is on its way, and that means uninterrupted hours of sunshine, relaxation, reading all those books you put off all year, ice cream, and the endless smells of BBQs welcoming you home. Summer also means holidays, and I for one cannot wait to fly away on an aeroplane and welcome summer with open arms and a big smile. In the South of Spain, with temperatures reaching a scorching 40 degrees what better way to cool down than to visit a waterpark? NOTHING is the answer. You can feel the warm rays on the sun on your skin whilst simultaneously flinging yourself into cool cool waters via a multitude of slides, laughing and screaming all the way down. Exhilaration my friends is the destination. The anticipation of a day filled with adventure, feelings of vertigo and plummeting at breakneck speeds into pools of cool crystal clear water will appeal to the thrill seeker inside you. And lets face it, there is a thrill seeker inside all of us, dont deny him or her the unadulterated joy of a day ecstasy. Join the queues I can hear you tell yourself, join the queues! Buy your tickets now, buy your tickets now! Not only will water rides cool you down and act as a welcome relief from the hot summer sun but, I can personally GUARENTEE you will have a fun filled day and create some pretty hilarious memories you will never forget, ever! You can sit round the dinner table and recall that one time uncle Pete was too scared to go down the slide or when Billy screamed all the way down and was still screaming after the ride was over. You will be laughing for years to come and uncle Pete will never live it down. An annual visit to Aquavera Park may become a tradition amongst you and your nearest and dearest. The park will leave you wanting more and more, enticing you to return. And believe me, you will. The excitement is palatable at the gates to the park, you know that your day will be filled with a constant thrill and anticipation and this drives you forward through the queues to buy your tickets and storm the gates akin to the Greeks emerging from the horse to storm Troy. Aquavera is your personal Troy and you my dear friend are a Greek prepared to take on the city and win. How you to choose to assault the city and in which particular order is completely up to you.What are you waiting for I ask? The only answer is NOTHING. Grab your friends, your family, loved ones, and head down to Aquavera Water Park for a day that means one thing and one thing only SUMMER HAS ARRIVED. Aquavera awaits, are you ready?
Discussion Deals
g: 0 Posted By: kizil
Views: 100 Replies: 0 Looks like a good deal on a simple notebook/binder calculator.. regular price is about $10, i am about to get one, not sure if the quality is good. for $2 probably have nothing to lose, but still any comments on this one?

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Recent travel issues with United Airlines
Added on : Friday May 02nd 2014 09:00:13 AM
g: 0 Posted By: amhidogha
Views: 73 Replies: 1 The four of us (husband/wife, 7 yo and 8 mo) traveled recently. Had 2 problems with United that I need advice on how to follow up on.
1)
Baby car seat was checked in at departure. However, United apparently did not pack it in their usual plastic bag. When it was picked up at destination, sans plastic bag, it was badly dirtied with what looks like conveyer belt grease etc. Unfortunately it was noticed when putting the baby in the seat after having left the terminal etc. Going back wasn't a option. On the way back, was told by another UA rep that it is very unsanitary and that UA should not have done that. It is preferred/recommended the baby seat be replaced with a new one.

2) On the return journey early morning, had checked in online at least a couple of hours before the departure. At the airport, stood in line for quite a while at the bag drop line only to have my number come in and be told by the rep that I had to check in the bags myself at the kiosk and then bring them back. There were no sign/instructions anywhere on this procedure. At origin, this had all been done by the UA rep at bag drop itself.
Went back to the kiosk and got a message that it was too late to check in bags and to see agent. Was told to go to ticketing where it took more than an hour (with bags, child and infant, and of course miss our flight) only to be rebooked on a overnight/red-eye and an early morning connection with 4+ hrs layover. The rep was cold enough to say that they were doing us a favor for not voiding out our non-refundable tix and not charging us change fees despite my telling them the online check in and the problem was due to failure of instructions on their part.

Though seats were available on other airlines, the rep refused to do despite traveling with child/infant, saying why would she make United lose the revenue and that she would not want that on her record. Asked to speak with the manager who equally did nothing to help. Ended up having to haul everything out, rent a car again and haul back for the red-eye and further connecting flight, reaching the destination more than 16 hours later. All this was despite our original $600+/person local airfares.

What do folks recommend I do at this stage? Thanks.








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Is Xplocial, led by CEO Larry Marcus, a scam?!?
Added on : Friday May 02nd 2014 09:00:12 AM
g: -1 Posted By: shockwavemagrj
Views: 131 Replies: 7 Good Afternoon Gang,

I fell for the Invado International scam prior to FWF getting involved and their subsequent demise. Actually, I wish you guys would have been investigating that "opportunity" before I joined the organization as I would have saved myself time and money. I chalked it up to a learning experience! By the way, I can't find anything new about Andre Maronian, or the Mintz family and I am going to reach out to some of the people that I still know that were a part of the company prior to leaving. Thank you FWFfor everything you do!

So... if you are a Facebook user (I doubt there are very few people here that aren't) I am sure that you have seen friends spamming the world about this amazing opportunity called Xplocial.

All my research points to the fact that Xplocial, led by CEO Larry Marcus, is nothing but a scam.

Let's air our Mr. Marcus' dirty laundryand save somepeople time, money, andembarressment.

Here is a link to their website:
http://www.xplocial.com/index.php

What are your thoughts?

Discussion Deals
Discover match - 7% back on min. payment for 12 months YMMV
Added on : Friday May 02nd 2014 09:00:11 AM
g: 0 Posted By: dpid
Views: 79 Replies: 0 I got a letter in the mail from Discover. I was going to throw it away thinking it was a bad BT offer.
But instead, this sounds like a great perk. Especially when I was going to pay off my BT balance (I was paying minimum since getting this during the 0% for life, $0 fees offers). But I'll keep letting my automatic payments go on for another year before paying balance off, seems like easy $30 (for me, others might have more benefit if minimum payments are higher) for doing nothing.

Keep a lookout of this in the mail. I'm sure its targeted.

Details:
Call 800-618-5819 to sign up (I'm sure you can find out if you are eligble)
Pay more than minimum balance each month on time
Receive 7% of minimum amount due on next statement as credit (to reduce your balance).
This offer runs from June 2014 statement to May 2015 statement.

see QS for terms & conditions
Credit Deals
10th year of a disputed debt--4th collections agency
Added on : Thursday May 01st 2014 11:00:07 AM
g: 0 Posted By: k0k0p0p
Views: 94 Replies: 0 Okay, so I admit I haven't done everything right and I am a little lazy and haven't kept the best records. Where does the statute of limitations lie? If you read ahead, they are are threatening civil suit already at $500 fines
I had a T-Mobile cell phone and TN address when I got an internship in Europe for a year. I could cancel my service at any time

June 4th, 2004: Called T-Mobile, cancelled phone service, provided my parents US address, paid amount owed + estimated rate for the day over the phone, got on the plane-gone for a year.

June 4th, 2005: Parents had not received any mail or bills from T-Mobile
Jan 2006: Moved to Florida, still TN resident for student status
Jun 2007: Bought a house in FL, no issues on credit report (TN resident)
Oct2009: Got an apartment near new jobin SC, stillTN resident(background check), forwarded mail

Oct2009: 1st Contact by first Credit Agency about $75 debt to T-Mobile. Called T-Mobile, but they had no evidencewhat it was for,justconfirmed I had a phone that I must have owed them for. Called the Credit Agency back and said I needproofin the form of a statement that this debt exists. Told them to only communicate by mail. Received another "notice" and a couple phone calls.
Jan 2010:Sent a registered letter to 1stCA requesting documented proofthat I owed the debt, and do not contact me again byphone, yada, yada,... No response.

Jan 2011: Still in SC, new place with forwarded mail,changed toFL resident

Jun 2011: Moved toLouisiana, new apartment,new credit agency with the apt. background check.New spouse asked me todeal with it. made same calls as before but T-Mobile no longer receptive. "That account was forwarded to a credit agency years ago"
Jan 2012:Bought House in Lousiana withspouse, debt collectionsshowed up on my credit report, but I was too busy/lazy to deal with it. didn't make a dent in my credit.
Jan 2013: Louisiana Resident. 3rd collections agency, or maybe the name changed. started sending the same letters. I called and asked for proof that I owe a debt, in writing, and exactly what it was for, do not call me, ever. sent final notice or this would go on my credit report. ended by February, except for one last letter in August.

Sep 2013: relocated to NC for spouse's job. forwarded mail.

March 20 2014: got half a voicemail from an agency threatening toserve me papers at work" in an effort to collect a debt". all I had was their outgoing number, and I don't respond to harassment, anyway.( I get these on my work phone all the time for random people, so I wasn't sure it was for me anyway)
April 28 2014: They called my sister and threatened her that if I did not contact within the hour they would be serving papers at my work. She called my spouse with all the information because I was in a meeting.I told her and my spouse not to worry--that it is harassment and I'll get to it.
May 1 2014: My spouse grew impatient, called today while I was going home to call. Since he said he was my spouse and had the numbers they gave my sister, they told him that it was T-Mobile debt, they would be filing a civil suit and are serving papers to my Mother-In-Laws house in TN. If I am not there to be servedthree times in a row they will add $500 to the $575 they say I now owe them.

Now I'm peeved. Anybody know a good harasser/lawyer in TN or wherever this could be heard?
Bottom Line: I owe nothing. I paid everything I owed upon cancellation of my contract.. I gave a forwarding address for final balance, and never got anything. I overpaid that final bill, just so there would be no issue, and they waited till my bank statements wouldn't be available to sell to a collections agency. I've been harassed on and off for about 5 years over a debt from almost 10 years ago. These guys are malicious and they just started. Nationwide Systems, I think is the name.





Question Deals
g: 0 Posted By: Xenocrates
Views: 581 Replies: 0 WengerSwissGear 15.6" Laptop Backpack(Black or Red)(SA9769) - $35.99 @ Amazon

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(USED) Call of Duty: Ghosts (Xbox 360 or PS3) - $17.99 FS @ GameFly
Added on : Thursday May 01st 2014 02:00:01 AM
g: 0 Posted By: Xenocrates
Views: 30 Replies: 0 (USED) Call of Duty: Ghosts (Xbox 360 or PS3) - $17.99FS @ GameFly

Links:Xbox360orPS3

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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00HDW8Z96

4.7 out of 5 stars (7 customer reviews)

Chicken and Waffle Recipes -From Harlem to the Universe: the Top 10 Chicken and Waffle Recipes On the Planet

Legend has it that the all American combination of savory Southern fried chicken and sweet maple syrup drizzled buttermilk waffles was born out of necessity (it is the mother of all invention after all) this intriguing combination was born out of the amalgamation of the 1920s and 30s jazz clubs in places like New York and Chicago is said that patrons and musicians alike would spill out onto the street in the wee morning hours looking for something to soak up all the rotgut gin and provided a much-needed boost of energy that patrons were most likely craving breakfast, and the musicians were most likely in the mood for dinner. So inevitably in a blurry eyed euphoria people would make their way to one of the many 24-hour diners in hopes of satisfying their cravings.

Those that wanted breakfast would order a big plate of waffles. Those that wanted dinner a big plate of fried chicken (often times these were the cheapest items on the menu) and because people often dined in groups, both items were often ordered together, along with large cups of coffee, and his people often do they begin to share food with one another.
And inevitably a piece of fried chicken ended up attracting a few droplets of maple syrup and a fork full of waffles signed a piece of fried chicken, and in very short order. It was discovered that the sweet and savory combination of both foods eaten together was an explosion of flavor and texture like nothing anyone had experience before. This unique combination was a perfect match for the jazz era hipsters.
It was a little strange about that familiar and yet strangely satisfying just like jazz music. And ever since then, a plate of chicken and waffles has been the go to grub after a late night adventure.
From Harlem to the universe top 20 chicken and waffle recipes is an outstanding collection of some of the most mouthwatering chicken and waffle recipes ever to be invented this side of the Milky Way everything from classic buttermilk waffles with maple syrup and oven fried chicken to a chicken and waffles grilled cheese sandwich!!
And there are some unique twists on some Southern favorites. Anyone that has grown up in the South, and one time or another has had pecan pie for breakfast (whether your mother was working or not) from Harlem to the universe takes his ultimate breakfast of champions. One step further, with the pecan crusted chicken and waffle sandwich!! (This particular dish is so good your taste buds will feel as though they are traveling at warp speed with Mr. Zulu).

All of these recipes suggest using top-quality ingredients, and the healthiest possible cooking methods. There is more than one recipe for some variation of oven baked, fried chicken and waffles so not only do you get to experience the awesome taste bud tingling flavor explosion.
That is the mind bending combination of chicken and waffles but you will be able to do is in the healthiest way possible (that said, chicken and waffles is one of those food combinations that should definitely be enjoyed in moderation).

So the next time you get a late night craving for something sweet and savory, or you are returning any blurry eyed euphoria from an all night adventure and require a little boost of energy turn to the from Harlem to the universe chicken and waffle recipe cookbook, your friends and taste buds will think you. chicken and waffles recipe
g: 0 Posted By: ctgolfer
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Daily Deal: 20%+ OFF Keurig K-Cups at Staples + use your coupon
Added on : Saturday April 26th 2014 12:00:04 PM
g: 0 Posted By: MisterEd
Views: 283 Replies: 0 Seems to be today only. Staples has all K-Cups at 20% off. I just ordered 7 boxes of my fave Starbucks Blond Roast (nothing like a Tall Blond at Starbucks ) for $10.39/box (reg $12.99) + used my $25 off $75 coupon for a net of around $7+- /box. (had to add a $2.50 filler). All varieties seem to be reduced.
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Daily Deal: 20%+ OFF K-Cups at Staples + use your coupon
Added on : Saturday April 26th 2014 11:00:02 AM
g: 0 Posted By: MisterEd
Views: 61 Replies: 0 Seems to be today only. Staples has all K-Cups at 20% off. I just ordered 7 boxes of my fave Starbucks Blond Roast (nothing like a Tall Blond at Starbucks ) for $10.39/box (reg $12.99) + used my $25 off $75 coupon for a net of around $7+- /box. (had to add a $2.50 filler). All varieties seem to be reduced.
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g: 1 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/gp/product/B00CQSPNLK

4.5 out of 5 stars (48 customer reviews)

Weve all admired our neighbors gorgeous gardens filled with flowering perennials and longed to recreate their beauty in our own back yard. But if were being honest, when it comes to gardening, most of us have no idea where to begin. Additionally, in these economic times, who can afford to hire an expert to come in and do the job for us? That said, regular folks all across North America and Europe are returning to the soil, shovels in hand. With the help of this book, there is absolutely no need to fly blind into the world of green thumbs, perennials, and herbs.The nameGarden Guide: A No Nonsense, No PhD Guide to Great Gardens with Hand-Holding How Tos for Beginners and Straightforward Instruction for Advanced Gardenerstruly says it all. Indeed, this book is the hand-holding garden guide that will walk even the most timid novice right through the gardening process from beginning to end.

In addition to straight forward, practical advice in everyday language, you will love the stories and anecdotes Olver shares from her fifteen years of backyard, organic gardening adventures. Easy and entertaining, youll probably read this book in one sitting, but youll reference it for years to come. The beauty of Garden Guide is that Olver divides her advice into two sections: Beginning Gardeners and Advanced Gardeners. No matter what your skill level, there are simple explanations, tips, and tricks that will walk you through every aspect of the garden process. Garden Guide features details such as:

Everything you need to know about location, from sunlight to drainage to selecting just the right spot
How to understand soil types, how to amend and condition them
pH levels and soil testing broken down in simple terms
Step by Step guide for planning your PERFECT garden no matter where the location
Fertilizing made manageable with explanations for all those numbers and organic alternatives
Composting broken down so you can start immediately
Pests obliterated with loads of organic suggestions
The basics of garden maintenance from deadheading to dividing perennials
Loads of helpful website suggestions for purchasing plants online, getting ideas, locating county extension offices, perennial databases and so much more.
Gardening terms are defined in language you will both understand and remember

If you have time to read only one book on gardening, this is the book to choose. Short enough not to feel like an encyclopedia and just long enough to wet your gardening appetite, Olver has woven basic garden science and practical ideas for everyday people into each page. With her warm, inviting, no-nonsense instruction, you will be amazed how simple and doable gardening really is. Not only will it thoroughly educate you in basic gardening, Garden Guide will send you well on your way toward beautiful perennials gardens and leave you inspired and hungry to begin planting in your own patch of earth.



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Here's the ultimate "Take-You-By-The-Hand" beginner's manual for creating and managing your own organic garden. Even if you know nothing about organic gardening.... so you can get back your health and energy and save a stack of money.

You're going to learn that organic gardening can greatly improve your health and energy levels while really lowering your weekly food bills, and it only takes about half an hour per week.

If you're like me you probably hate the idea of eating foods (and providing them for your family) that may have been grown with chemicals.

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9 Essential tips to successfully transplanting your seedlings
Tips for the most effective watering
Why mulching is a must in every organic garden
5 easy ways to keep your garden weed free
How to slash your food bill in half
The 7 crucial ingredients to making great compost
What never to put into your compost
How to make your own organic liquid fertilizers, saving $$'s
Natural ways to protect your plants from pests and disease
Top 10 easiest veggies to grow
Secrets to growing lush, healthy herbs
Why to include perennial vegetables
What you must do to grow your food if space is limited
How much to plant for your family's needs
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Books & Magazines Deals
foreign transaction fee for online purchases
Added on : Thursday April 24th 2014 04:00:08 PM
g: 0 Posted By: ciszew
Views: 0 Replies: 0 Hello
Im wondering if this is common thing and i was lucky to never experience this before or is it something new.
I recently purchased $3k worth of plane tickets directly from European airline via website when siting in front of my computer in US, i paid with american express credit card. Few days later i noticed extra $80 inforeign transaction fee added to my account. I called AE and complained, rep said that there is nothing he could do so i paid my balances in full and called again to close an account, rep asked me why i explained and again there was nothing she could do so i went ahead and closed an account. Was i right or am i fussing about normal procedure in this case.
PS when buying a ticket the price was displayed in foreign currency, i could changed that to us$ with 2 mouse clicks but didnt think it would matter (and still dont know)
g: 0 Posted By: ctgolfer
Views: 21 Replies: 0 Seagate Expansion Desktop Drive - Hard drive - 3 TB - external ( desktop ) - 3.5" - USB 3.0
The Seagate Expansion desktop drive provides extra storage for your ever-growing collection of files. Instantly add space for more files, consolidate all of your files to a single location, or free up space on your computer's internal drive to help improve performance. Setup is straightforward; simply plug in the included power supply and USB cable, and you are ready to go. It is automatically recognized by the Windows operating system, so there is no software to install and nothing to configure. Saving files is easy toojust drag-and-drop. Take advantage of the fast data transfer speeds with the USB 3.0 interface by connecting to a SuperSpeed USB 3.0 port. USB 3.0 is backwards compatible with USB 2.0 for additional system compatibility.

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Samsung Galaxy Tab 3 10.1" 16GB refurb @ Woot $219.99
Added on : Wednesday April 23rd 2014 10:00:06 AM
g: 1 Posted By: KevinD
Views: 242 Replies: 2 90 day warranty
Available inGold BrownandWhite

The Samsung Galaxy Tab 3 is packed with features designed to give you a chance to relax, to connect and engage with family, to keep you entertained, and to offer new conveniences in everyday life. It works a lot like your Galaxy smartphone, so theres nothing new to learn. Just start having fun.The Same Galaxy Experience
You love your Galaxy smartphone. Now enjoy the same Galaxy experience on a tablet. Youre already a Galaxy Tab 3 expert. Getting started on a Galaxy Tab 3 is a breeze. Comfortably switch back and forth from your Galaxy phone to your Galaxy Tab whenever. Your content is automatically in syncwireless, fast and for free.A Powerful Tablet Doesn't Have to Be Complicated
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Need advice: S-corp removal of shareholder and officer
Added on : Tuesday April 22nd 2014 05:00:11 AM
g: 0 Posted By: mellle
Views: 61 Replies: 2 We (married) are the majority owners of a Wisc S-corp with one other shareholder. Other shareholder is also officer. Upon creation of the corp (>10 yrs ago), we had an agreement that shareholder would contribute X amount of work/hours. For the last decade, however, there has been zero involvement on the part of this minority shareholder whose only presence is to repeatedly state that he wishes to get more $$ from the corp. We would like to first remove his officer status. I believe this can be done without cause per Wisc statute. Anyone have experience with this?
Secondly, our more important priority is to remove him from the business. Even after his work stopped entirely, we continued to pay him, in good faith, a monthly stipend/wage for >5 years even though he did nothing, never came to the premises and had zero involvement. He is a burden to the corp. We have made fair offers to buy-out his stock, but he rejected the offer saying that he wanted more money.
Would welcome any advice.
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Free Overnight Shipping on Fresh Cut Flowers on Amazon
Added on : Monday April 21st 2014 04:00:03 PM
g: 1 Posted By: zimzim
Views: 362 Replies: 1 Search for Fresh Cut Flowers in Grocery on Amazonand select Free Shipping.by Amazon.

I was looking to buy flowers online for an Admin at work for Admin Professionals Day (Wed). Nothing annoys me more than paying for overnight shipping. I see Amazon is now selling fresh cut flower arrangements from a company who I have used before (KaBloom) with free overnight shipping for the cost of only the shipping at some other sites. They also have some from a company I hadn't heard of before called Benchmark Bouquets, also with free shipping. My apologies to anyone who doesn't appreciate how hot this is...
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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

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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
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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.
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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
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The top 5 common errors Christians make when studying the Bible


When God Whispers Loudly
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Heaven: Biblical Answers to Common Questions
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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
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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!!


Question Deals
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)
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Composting: A Comprehensive Guide to Making Your Own Compost
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The Perfect Compost Plan: Simple Guide To Making Healthy Compost
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Container Gardening : Container Garden Tips For Beginners For Successful Container Planting
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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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Houseplants, Cacti And Tropical Plants: A Collection Of Articles By Sheri Ann Richerson
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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.

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

Short Version:

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

Long version:

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

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

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

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

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

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

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

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

Any advice is much appreciated.
Question Deals
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.
Personal Finance Deals
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.
Toys & Hobby Deals

ThinkGeek Coupons
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?
Personal Finance Deals
g: 1 Posted By: VivYip
Views: 197 Replies: 4 the ad is up on Staples website.

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

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

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

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

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

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

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

Thank you for reading.
Office & School Supplies Deals

Staples Coupons
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.

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

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

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

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

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

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

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

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

Question Deals
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/...


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$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
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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!
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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)
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as low as 4 boxes for FREE
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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
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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.
Books Deals

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


Clothing Deals

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...
DVD Deals

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
Appliance Deals

Amazon Coupons
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)

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Books Deals

Amazon Coupons
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?
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Fresh and Fast Soups Made Easy - 25 Soul-Satisfying Vegetarian Soups Almost Everybody Loves
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The Slow Cooker Soup Cookbook
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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


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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:

Congratulations! You have successfully activated the $25 Cash Back offer. Simply use your credit card and earn $25 Cash Back if you make qualifying travel purchases totaling $500 or more through March 31, 2014 on:

Airfare Hotels Travel agencies Car rentals Cruises
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
Views: 79 Replies: 0 Vortex StrikeFire Red Dot Riflescope with a Vortex Lens Pen, Vortex Hat $139.99 + Free shipping

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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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Beverage Deals
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
Added on : Monday December 16th 2013 08:00:04 AM
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)

DIET COKE HOLIDAY BONUS
Tis the Season for Double Points
Bonus Points are coming down the chimney. Through December 20, youll earn Double Points on all Diet Coke codes to make your season even merrier. Happy Holidays!
Services Deals
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

This 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 thisCraftsman13 in. tool bagall 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 this13 in. tool bagfor 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.

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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

4.7 of 5 stars with 9 reviews

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

Kmart Item#004W001123397016 |Model#82696

http://www.kmart.com/air-hogs-sharp-shooter-silver-black/p-004W0...

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.

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The Long Kiss Goodnight Blu-ray
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The Marva Collins Story DVD
The Mummy Lives DVD
The Music Man (1962) DVD
The Outlaw Josey Wales (Digibook) Blu-ray
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The Wild Bunch: Director's Cut DVD
Twisted DVD
Under Siege Blu-ray
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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 .
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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?
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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
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g: 0 Posted By: bittul
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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.