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BBVA Compass $150 Checking bonus
Added on : Wednesday August 20th 2014 03:00:08 PM
g: 0 Posted By: INoobieYou
Views: 5 Replies: 0
First open up your BBVA Compass ClearChoice Checking account.
Then, within two calendar months, add a BBVA Compass savings or Money Market account, if you don't already have one.
Have one or more electronic deposits totaling $1,000 in a calendar month from an unrelated third party post to the checking account.
Then, we'll deposit $10 each of the first 12 months you have the account open and meet the stipulations. Plus, an additional $30 bonus after meeting the monthly bonus requirements for 12 consecutive months.
AL, AZ, CA, CO, FL, TX ,NM


Offer is valid only for consumers who have not had a BBVA Compass consumer checking account within the last 90 days. Offer valid for BBVA Compass ClearChoice consumer checking accounts opened from July 14, 2014 through September 30, 2014. ClearConnect Checking, NBA Checking, Bama Checking and Dynamo Checking accounts are not eligible for this offer. Checking and savings accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. For each calendar month that you meet the bonus requirements set forth above, you will receive a $10 bonus (the "Monthly Bonus"). You can receive the Monthly Bonus for a maximum of twelve (12) consecutive months. The maximum cumulative amount of the Monthly Bonus is $120. Bonus requirements must be met in consecutive months in order to continue receiving the Monthly Bonus. The Monthly Bonus will be deposited into your most recently opened BBVA Compass consumer savings or money market account. Your savings or money market account must be open and in good standing at the time the bonus is paid. If you receive the Monthly Bonus for 12 consecutive months (totaling $120), you will also receive an additional bonus of $30 deposited into your most recently opened BBVA Compass consumer savings or money market account (the "Additional Bonus" and together with the Monthly Bonus, the "Bonus"). Bonus payments will be deposited on last business day of each month, based on whether bonus requirements were met in the immediately preceding month. The Additional Bonus will be deposited into your savings or money market account within 60 days of meeting the necessary bonus requirements. Your savings or money market account must be open and in good standing at the time the bonus is paid. BBVA Compass employees and household members are not eligible. Bonuses will be paid on only one checking account per household. BBVA Compass may report the value of the bonuses to the IRS as required by law. Other limitations may apply. BBVA Compass is a trade name of Compass Bank, Member FDIC.


BBVA Compass
g: 0 Posted By: oxygenmm
Views: 4 Replies: 0 Sprintis offering a new family plan that provides 20GB data at $100 for a maximum 10 lines.

For people who are willing to switch to Sprints new Family Share Pack, the company will reimburseup to$350 of the early termination fee for their old wireless carriers.

Here is how the new Sprint family planworks. The monthly fee per-device varies. For monthly data allowance more than 20GB: If you getnon-discountedphone with Sprint Easy Pay, you will pay$15 per month per device; if you choose to get a discounted phone by enrolling in a two-year contract, thats going to cost you $20 per month for each device. Tablets and mobile broadband devices can join the plan with additional fees.

Sprint said the new plan providesshared data at a per-gigabyte price lower than its competition. For example, for a family that hasfour lines, it costs $160 per month to share the 20GB data ($100 for data allowance + 4*$15 per non-discounted phone). At AT&T and Verizon, the cost is estimated to be at least$210 per month for the same data plan.

Note that the above chart shows how $100 can buy you 20GB at Sprint but only half of the data bucket at AT&T and Verizon. In addition, with Sprint, a family plan with four lines will need to pay $170 to get an 8GB plan, which is actually more than the $160 for 20GB. The thinking behind it, asthe Consumeristnoted, is that most people will never come close to using their 20GB data every month.Sprint can dangle all that extra data out there and pretend like youre getting a great offer. So people who switch to the new Sprint plan may be saving money on a per-gigabyte basis, but they will likely leave lots of unused data on the table every month, Chris Morran wrote in his article on the Consumerist.The only consumers who would benefit from the new Sprint plans are true data hogs that use more the 4 to 5GB of wireless data per month and are tired of being throttled or paying overage fees to their providers.The new data plan pricing marks the first move for the companys new chief executive, Marcelo Claure, who said last weekit would be his top priority cutting prices. He also admitted that the company still has far to go in improvingitswireless network.In a recent study published by RootMetrics,Sprint performed poorly across the board while Verizon ranked top for reliability, speed, data, call and text performances. Sprint also remained as the slowest carrier in terms of average 4G LTE rates in another test conducted by CNET examining the speed of the four major wireless providers.When you have a great network, you dont have to compete on price, Claure said. When your network is behind, unfortunately you have to compete on value and price.Sprint has decided to drop its bid for its rival T-Mobile U.S.and will announce more aggressive pricing plans; Verizon went back to basics with a $60 single line plan with unlimited talk and text plus 2GB wireless data; and T-Mobile unveiled a promothatundercuts AT&T on a four-line, 10 GB family plan.Analysts said carriers would likely respond to Sprints price cuts with more steepdiscount of their own to keep their subscribers.We will see a trickle down in pricing concessions across the industry. This is the start of a price war many anticipated would be coming, Angelo Zino, analyst at S&P Capital IQ, told Reuters.The new Sprint family plan will launch Aug. 22 with alimited-time offer that adds 2GB per line each month for free. Claure said Sprint will announce more pricing for individual plans later this week.( I took this info from http://www.washingtonpost.com/news/business/wp/2014/08/19/sprint... )

**Monthly charges exclude taxes & Sprint Surcharges [incl. USF charge of up to 15.7% (varies quarterly), up to $2.50 Admin. & 40 Reg./line/mo. & fees by area (approx. 520%)]. Surcharges are not taxes. See sprint.com/taxesandfees.Activ. Fee: $36/line. Credit approval required. Plans: Offer ends 09/30/2014. No discounts apply to access charges. Includes unlimited domestic Long Distance calling and texting. Data allowance as specified. Third-party content/downloads are addl charge. Intl svcs are not included. Max of 10 phone/tablet/MBB lines. Waived Monthly Access: Ends 12/31/15. After that customer will be charged applicable monthly access charge based on option selected in addition to monthly data allowance charge. To avoid charges, customer must contact Sprint to make changes. Sprint Easy Pay obligations will still apply if applicable. Discounted phones Access ($40): Invoice will show a term access charge of $15 or $25 to add up to the $40/mo/line charge based upon the data allowance selection until the customer enters into a new device transaction that does not have an annual term service agreement. Data: Includes shared data across all subs. Amount of on-network data allowance depends on selection and 100MB off-network data usage. Addl on-network data usage: 1.5/MB. Additional Off-network data can be added by opt in only for 25/MB for tablets/MBBs. If conflicting share data allowances are applied to an account, the majority on account or most recent change may be applied for all lines. Mobile Hostpost Usage pulls from your shared data and off-network allowances. Usage Alerts: Customers on the Sprint Family Share Pack Plan will receive text alerts or email to the primary account holder in 40% increments over the original data allowance for customers with a 600 MB allowance, at 20% increments for customers with a 2 GB or 4 GB allowance, or at 5% increments for customers with a 8 GB or higher allowance. Customers on other plans will continue to receive notifications after exceeding 20% increments over their original data allowance. Early Upgrade for Easy Pay: Req. active add-on thru time of upgrade with min. 12 consecutive payments of both the buy up and an installment agreement for phones, new phone Installment Agreement, acct. in good standing, & give back of current eligible device in good & functional condition. After upgrade, remaining unbilled installment payments for giveback device are waived. No discounts apply. If you choose to not upgrade early, we will remove the $5 monthly option charge after your Sprint Easy Pay installment agreement is paid in full. Usage Limitations: Other plans may receive prioritized bandwidth availability. To improve data experience for the majority of users, throughput may be limited, varied or reduced on the network. Sprint may terminate service if off-network roaming usage in a month exceeds: (1) 800 min. or a majority of min.; or (2) 100MB. Prohibited network use rules apply see Sprint.com/terms and conditions. $350 Visa Prepaid Card Offer: Consumer, IL and CL phone lines purchasing a new device with Sprint Easy Pay and porting the new line on a Sprint Family Share Pack Plan with 20GB of data or higher. Amount based on ETF (Early Termination Fee) charged or remaining balance on install-bill device (excludes Prepaid devices). All lines must be ported from an active wireless line at another carrier and remain active and in good standing for at least 45 days to receive the prepaid card. You must submit your final bill showing your ETF or installment balance no later than 12/31/2014. Allow 12 weeks for your prepaid card to arrive. Register at www.sprint.com/jointoday.Excludes 100+ Corporate-liable, upgrades, replacements, and ports made between Sprint entities or providers associated with Sprint (i.e., Virgin Mobile USA, Boost Mobile, and Assurance), and plans $10 or less. Not combinable with other offers. Cards are issued by Citibank, N.A., pursuant to a license from Visa U.S.A. Inc., and managed by Citi Prepaid Services. Cards will not have cash access and can be used everywhere Visa debit cards are accepted. Sprint Easy Pay: Req. 24-mo. installment agreement, 0% APR, & qualifying device & service plan. Credit approval req. Device pricing for well-qualified buyers. Monthly payment terms for all others will vary and a down payment may be required. Down payment, unfinanced portion and sales tax (on full purchase price) due at purchase. If you cancel wireless service, remaining balance on device becomes due Network Improvement Claims: Compared to prior Sprint network. Visit Sprint.com/network. Coverage not available everywhere. Other Terms: Offers and coverage not available everywhere or for all phones/networks. May not be combined with other offers. There is no minimum term applied based on the Sprint Family Share Pack, but the Service Agreement applies and automatically continues on a month-to-month basis unless you contact us to inform us of any changes, including cancellation. There may be a minimum annual term applied or continued based on a discounted device purchase. Sprint 3G network reaches over 281 million people. Sprint 4G LTE network reaches over 225 million people. Restrictions apply. See store or Sprint.com for details. 2014 Sprint. Sprint and the Sprint logo are trademarks of Sprint. Other marks are the property of their respective owners.
g: 0 Posted By: remick
Views: 161 Replies: 0 http://www.amazon.com/gp/product/B00MG7BYFU/

"A wonderful booknot just for basketball fans but for everyone."Earvin "Magic" Johnson

A good reporter can pick up a pen and chronicle the game of basketball, from its Xs and Os to its personalities.

A great reporter can put down the pen and pick up the rock.

Ira Berkow has been many things in his lifea Pulitzer Prize-winning reporter, a respected columnist, and a passionate sports fan. He also knows how to thread a pass into the paint. In this wildly entertaining chronicle of his life as both a devotee and gym rat, Berkow writes with good humor and piercing insight about talking strategy with Walt Frazier, running the court with Oscar Robertson, and seeing the game from the inside. From his youth, playing on the courts in Chicago in the 40s and 50s to growing older and using the wisdom hes gained to school players half his age, Berkow retains a competitive spirit, and a deep love of hoops. This moving tale of love for the game, for his friends and family, and for life itself is a must-read for anyone who wants the ball when the game is on the line.

"An extraordinary look into the art of pickup basketball. Who would have guessed that, along with his writing talents, Ira knows how to play the game!"Bill Bradley

"Ira Berkow is one of the best sportswriters around, so it is no surprise that his basketball odyssey is one of the best sports books of this or any other year."George Plimpton
Books Deals

Amazon Coupons
brokerage systematically reporting incorrect cost basis
Added on : Tuesday August 19th 2014 07:00:10 AM
g: 0 Posted By: SegaRob
Views: 56 Replies: 5 I don't know if anyone else here has noticed, but Interactive Brokers (IB) system for calculating cost basis in their Trader Workstation (TWS) is completely inaccurate for just about anything except simple trades. It screws up stock splits and exercised options terribly. I contacted them and they said they're aware, but the statements are accurate and I can manually adjust each position if I wanted. I thought that was ridiculous, but they don't seem to care. I'm quite happy with IB otherwise and rather not change brokers. Providing false information to the customer doesn't seem legal or ethical even if they do submit correct info to the IRS. Obviously, it's helpful to know my cost basis to know my profit/loss to know how my positions are doing and the tax consequences if I closed them out. Does anybody know who would be the best agency to complain to about this issue?

TIA!
General Economics Deals
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 0 Posted By: aga1000
Views: 39 Replies: 1 Just got this alert on my phone from CNN -

http://money.cnn.com/2014/08/18/technology/security/hospital-chs...

Community Health Systems that operates about 206 hospitals across US reported that 4.5 million patient names, DOB, SSN were stolen by Hackers. No clinical data was stolen.

Discussion Deals
Credit card apps annual income (job change)
Added on : Saturday August 16th 2014 04:00:04 PM
g: 0 Posted By: Dullt0
Views: 54 Replies: 0 What do you put for annual income when applying for credit cards after a job change?

I have been unemployed for 10 weeks. My new job is +$40k/yr than before so I'm really unsure what to put.

If credit bureaus don't know about income changes within the year (other than annual federal tax filing?), maybe the best would be to put last year's W-2 reported number?I'm tempted to put my new salary in as annual income but fear I'll be asked to provide evidence of it or simply be rejected. I'm planning a mini AOR so I want to avoid making phone calls to the card companies after applying.
Credit Deals
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
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
Michelin LTX M/S 2 Radial Tire - 235/70R17 $82.35+Prime free shipping
Added on : Wednesday August 13th 2014 11:00:05 AM
g: 0 Posted By: BennyZz
Views: 273 Replies: 0 Michelin LTX M/S 2 Radial Tire - 235/70R17 $82.35+Prime free shippinghttp://www.amazon.com/Michelin-LTX-Radial-Tire-70R17/dp/B004QL6KJ4?

Amazon.com has these tires brand new for super cheap. If you're in the market for 235/70R17 tires, you won't find a better deal at this time. I bought 4 for my F150. Total price /w tax was $353.16. Anyone with a mid-size truck knows that's a STEAL.

Google shop reports the next lowest price for these tires at $165.

Tires this size are usually AT LEAST $120 for the cheapest brand. The reviews are pretty solid from varying sources. I don't know why Amazon has them so low but I'd jump on it.

Product details:
Brand: Michelin
Model: LTX M/S 2
Item Weight: 24.3 pounds
Product Dimensions: 30 x 30 x 9.3 inches
Manufacturer Part Number: 1721
Section Width: 235 millimeters
Aspect Ratio: 70
Construction: Radial
Rim Diameter: 17 inches
Load Index Rating: 108
Speed Rating: T
Tread Depth: 12 inches
UTQG: 720-A-A
Auto Parts Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 171 Replies: 0 Compatible with Apple iPad 2 and iPad 3rd generation
Turns your device into a complete point of sale, allowing you to accept payments, manage items, view sales reports and more to meet your business needs.
Integrated card reader
Accepts credit card payments and keeps credit card information secure. Charges 2.75% per swipe from Visa, Mastercard, American Express and Discover credit cards. Square Reader (included) enables on-the-go payments.
Fast deposits
Funds from swiped credit card payments are deposited directly into your connected bank account within 1 to 2 business days.
Swivel-for-signature design
Lets you easily rotate the stand toward the customer, so he or she can sign for purchases on the screen of your iPad.
3-port USB hub
Allows you to connect hardware accessories, such as a receipt printer, cash drawer and bar-code scanner, for simple connectivity options.
Smart business tools
Include real-time sales data, best-selling item summaries and custom reports, which provide helpful information for running your business effectively. Square Register app (download required) enhances use of your device.
Included security kit
Secures the stand to a counter and keeps your iPad locked to the stand for peace of mind.
Runs off of your device's battery for approximately 8 hours
For extended operation. The 6' power cord offers additional powering options.

www.bestbuy.com/site/square-stand-for-apple-ipad-2-and-ipad-3rd-...
Tablets & iPads Deals

Best Buy Coupons
g: 3 Posted By: remick
Views: 332 Replies: 1 http://www.amazon.com/dp/B00B853VB6/
4.9 out of 5 stars (19 customer reviews)

As they examine each familiar phrase of the Lord's Prayer, readers will uncover a profound framework for spiritual growth. In a reader-friendly, memorable style, David Timms points to Jesus's teaching on community, love for the broken and isolated, holiness in an age of profanity, dealing with the evil within, resisting temptations, and much more. This critically acclaimed book will appeal to all who desire to go deeper into spiritual formation, helping them taste the life-giving water that only Jesus can provide. The new discussion guide makes it a great book for small groups as well as individuals.


Can I Be Sure I'm Saved?
http://www.amazon.com/gp/product/B00428MY0U
4.6 out of 5 stars (89 customer reviews)

Many people in the church today are plagued by doubts about their salvation. Satan whispers that it is impossible that sinners such as they could be in a state of grace, and some churches compound the problem by teaching that it is possible for believers to lose their salvation. But assurance of salvation is possible in this life. Indeed, as Dr. R.C. Sproul argues in this Crucial Questions booklet, it is the duty of Christians to make their calling sure (2 Peter 1:10). To help believers reach this goal, Dr. Sproul defines assurance, shows how we can get it, reveals the blessings it confers, and warns of the dangers of false assurance. Here is assistance for those who struggle to know where they stand with Jesus Christ.



The Daily Walk Bible NLT: 31 Days with Jesus
http://www.amazon.com/gp/product/B00FEOFT0S
4.7 out of 5 stars (218 customer reviews)

Most people agree that Jesus was an amazing teacher and someone we could all learn from. At the same time, most of us have spent little time actually reading his story. The Daily Walk Bible NLT: 31 Days with Jesus is an open invitation to do just that. In just one month you will read through all four gospels, seeing Jesus and gaining insight into his purpose and message for us.
This special eBook, taken from the pages of The Daily Walk Bible, includes a simple reading plan to help you through. Each day includes an Overview that provides a birds-eye view of that days reading, an inspirational and practical My Daily Walk devotion, and an Insight that offers an interesting fact about the passage. Every seventh day you will be invited to pause and reflectlooking back over what you have read, looking forward to what is coming, and most importantly looking up to God.
Its that simple, but be warned, Jesus has been changing lives for two thousand years31 days and yours wont be the same either.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (134 customer reviews)

Who was Jesus? What did he say? What did he do? This book is all about Jesus. It puts together the story of Jesus' life and message told by the people who knew him best--his disciples and friends--as recorded in the four Gospels of the Bible. Although the words were written over 2000 years ago, his message of peace, hope, love, and forgiveness still resonates with people of all races, nationalities, educational, and economic backgrounds. Some like what he said, while others disagree, but almost everyone finds him compelling. The story of Jesus comes to us from four different authors, Matthew, Mark, Luke, and John, written over a period of nearly seventy years. The message and uniqueness of Jesus remain the same, but each author tells the story from his perspective and for his purpose. Some writers wrote more; others wrote less. But what if we could read it as one single story from beginning to end? This book does just that by combining the four reports of Jesus' life into a single chronological story, using the easy-to-read text of the NIRV Bible. Take a new look at Jesus-- his life, his miracles, and his teachings--and to come to your own conclusions about the carpenter from Nazareth.
This book was produced in collaboration with Biblica (formerly the International Bible Society).



Who is the Holy Spirit? (Crucial Questions Series Book 13)
http://www.amazon.com/gp/product/B00AW02OZ2
4.4 out of 5 stars (150 customer reviews)

In this Crucial Questions booklet, Dr. R.C. Sproul cuts through the confusion by going back to the Bible. He establishes the biblical teaching on the Spirits identityHe is one of the three persons of the Godhead, along with the Father and Sonthen briefly sketches some of the most basic yet important roles the Spirit carries out. He shows that the Spirit gives new life to unbelievers, then sanctifies, strengthens, teaches, and anoints them for ministry. This booklet provides a basic understanding of the divine person on whom Christians very lives depend.



Five Lessons from the Carmelite Saints That Will Change Your Life
http://www.amazon.com/gp/product/B00DBBA1BS/
4.6 out of 5 stars (99 customer reviews)

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



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

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



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

Awarded Best Book of the Year 2010-2011 from The Old Schoolhouse Magazine!
#1 Bestseller in Historical Fiction from Christian Book Distributors Spring 2011!
#1 Bestseller in Fantasy from Christian Book Distributors Summer 2012!
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Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
Mitsubishi extended car warranty worth It?
Added on : Thursday August 07th 2014 03:00:06 AM
g: 0 Posted By: BLCRaider
Views: 1 Replies: 0 We are buying a new 2014 Mitsubishi Outlander Sport that comes with a 5yr/60,000 bumper-to-bumper warranty. The dealer is trying to sell us an extended bumper-to-bumper warranty for 10 yr/100,000 at $1600 which has a $200 deductible. It also comes with lifetime powertrain warranty, 7 year/100,000 anti corrosion/perforation warranty and 5 years roadside assistance.

I just wanted to know if you think this extended warranty is worth it. Should I just go without? Buy an extended warranty online?
Consumer reports gives these vehicles a high reliability rating if that matters.

This is my first new car so any help is appreciated!



Car rear-ended, most likely totaled-Need advice
Added on : Wednesday August 06th 2014 01:00:12 PM
g: 0 Posted By: ShakuniMama
Views: 172 Replies: 1 I was in an accident last week where our car (Honda Accord 2002) was hit from behind while slowing down for red light on a city road.
I managed to steer my car to the sidewalk and managed to avoid hitting the car in front.
The driver of the car behind me hit our car so hard that it is most likely being totaled.
Air bags did not employ and seat belts did not tighten so both of us were thrown forward with the impact but did not hit the dashboard.
Hewas probably texting as the only explanation I could think of as to why he accelerated instead of applying brakes.

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

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

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

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

Thank you for reading.
Question Deals
Scosche CellControl Safe Driving System $10 @ AT&T
Added on : Wednesday August 06th 2014 01:00:11 AM
g: 0 Posted By: ctgolfer
Views: 212 Replies: 0 Features:

Safer teen driving - Safely disables the use of text, phone, email, internet, camera and other distracting applications while driving
Tamper free system - Reports of removal, deactivation or other misuse are sent by text or email to a designated administrator
Cell Phone Compatibility - Bluetooth communication and cellcontrol software works with over 1,200 cell phones
Handsfree headset support - Full phone call functionality is available when a wireless handsfree device is detected
Convenient use - Music library applications remain conveniently active for normal use
Easy Install and Setup - One-time setup keeps the designated mobile device disabled while the vehicle is in motion
Compatibility - Compatible with any vehicle manufactured after 1996 and sold in North America
Supported Operating Systems - All Android 2.1 and above, all BlackBerry 4.5 and above, all Windows Mobile 5 & 6, all Symbian S60 (3rd Edition)
Not Supported Operating Systems - Apple iOS/iPhone, Windows Phone 7 & 8



www.att.com/accessories/specialty-items/scosche-cellcontrol-safe...
att.com Deals
Jelly Belly coupon codes
Added on : Tuesday August 05th 2014 01:00:08 PM
g: 0 Posted By: swisscheesemiester
Views: 124 Replies: 0 All JellyBelly.com coupon codes are here:
https://oms.jellybelly.com/Reports/ActivePromotions/
Food Deals

Jelly Belly Coupons
$100 off HERO3+ Black Edition or HERO3+ Silver Edition at gopro.com
Added on : Tuesday August 05th 2014 07:00:04 AM
g: -2 Posted By: ywd
Views: 264 Replies: 3 Thanks for stopping by the GoPro booth at EAA Airventure to check out our cameras and the incredible content captured by GoPro users across the globe. To keep the stoke alive, were offering you $100 off a HERO3+ Black Edition or HERO3+ Silver Edition for two weeks only at gopro.com.

To redeem your discount, visit gopro.com and enter the promo code below during checkout. Offer valid thru August 18th only. Promo Code: EAA-SXX


May have reached a limit. Here's another until it is used up (report if it worked for you): EAA-SXY

Cameras Deals
As reported in today's NYPOST...
Added on : Sunday August 03rd 2014 11:00:06 PM
g: 0 Posted By: DSJ
Views: 11 Replies: 0 A hotel in tony Hudson, NY, has found a novel way to keepnegative reviews off Yelp and other sites fine any grousing guests.TheUnion Street Guest House,near Catskills estates built by the Vanderbilts and Rockefellers, charges couples who book weddings at the venue $500 for every bad review posted online by their guests.Please know that despite the fact that wedding couples love Hudson and our inn, your friends and families may not, reads an online policy. If you have booked the inn for a wedding or other type of event . . . and given us a deposit of any kind . . . there will be a $500 fine that will be deducted from your deposit for every negative review . . . placed on any internet site by anyone in your party.If you take down the nasty review, youll get your money back.For any bad reviews that do make it online, the innkeepers aggressively post mean spirited nonsense, and she made all of this up.In response to a review complaining of rude treatment over a bucket of ice, the proprietors shot back: I know you guys wanted to hang out and get drunk for 2 days and that is fine. I was really really sorry that you showed up in the summer when it was 105 degrees . . . I was so so so sorry that our ice maker and fridge were not working and not accessible.+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Thoughts?
Hotel Deals
Credit Inquires and credit score
Added on : Sunday August 03rd 2014 04:00:05 AM
g: 0 Posted By: weic6928
Views: 123 Replies: 2 Over the past 18 months I've refinanced my home loan, started a business, and also looked into a new mortgage loan (but didn't go through). As a result, I have alot of credit inquiries on my credit report.

Credit Karma now allows you to see the details of your credit inquiries, and I've noticed that the inquiries are not coming off until they are 2 years old. I had thought it would be one year? Can anyone offer any thoughts on this? This is what Credit Karma says about my inquiries:
"Applying for a new line of credit typically initiates a hard inquiry on your credit report. These inquiries typically remain on your report for two years."

We are going to start looking into buying a new home soon, and to limit the impact of multiple inquiries on top of what I already have, is it true that if I apply for loans within a certain period (2 weeks?), that the impact on my score will be essentially just one inquiry? How many can I apply for in a 2 week period for this to apply? Is this pretty rock solid true? Only double checking because I had thought it was understood hard inquiries "expire" after a year and now I'm finding that doesn't seem to be the case.
Credit Deals
Credit Karma is giving full credit report
Added on : Wednesday July 30th 2014 06:00:08 AM
g: 1 Posted By: originalmillerman
Views: 169 Replies: 3 It looks like CreditKarma has a new beta option that shows your TransUnion credit report.
General Economics Deals
Federal Direct Graduate PLUS loan vs private loans
Added on : Tuesday July 29th 2014 07:00:08 PM
g: 0 Posted By: garyshultz
Views: 81 Replies: 1 Hey guys,

I am trying to choose between Federal Direct Graduate Plus loans vs Private loans like Discover Student loans.

What are the pros and cons?

I am going to for sure get Federal Direct Unsubsidized Stafford loans which is reasonable but the Federal Direct Graduate Plus Loans are straight up expensive. These origination fees should not exists!
See below:
The Federal Direct Unsubsidized Stafford loan interest rate for loans disbursed between July 1, 2014 and June 30, 2015 is 4.66% fixed for undergraduate students and 6.21% fixed for graduate students. Interest does accrue on the loan while you are enrolled. The Dept of Ed will deduct a 1.072% origination fee from the loan disbursements. You must be enrolled at least half-time status to receive your disbursements. Repayment begins six months after you are no longer enrolled at least half-time status.
$20,500.00 DGP The Federal Direct Graduate PLUS loan is a credit-based loan. By accepting the loan I consent to the Dept of Ed and its agents obtaining a report of my credit record and using that information in determining whether to make a Direct PLUS loan to me. The interest rate for loans disbursed between July 1, 2014 and June 30, 2015 is 7.21% fixed. The Dept of Ed will deduct a 4.288% origination fee from the loan disbursements. You must be enrolled at least half-time status to receive your disbursements. Repayment begins six months after you drop below half-time status.
Now im also considering a private loan like Discover Student loans that dont have origination fees. However if in the future, if the government decides to bail us out or if i work for the government with a student loan assistance program, would my discover student loan fall under these rules?

Thanks.

Discussion Deals
g: 0 Posted By: letsspendlotsofmoney
Views: 90 Replies: 0 My sister wants to buy this car and I have a feeling that this was part of a "buy back" or lemon..

It's currently listed on eBay http://www.ebay.com/itm/Ford-Taurus-Limited-Navigation-Heated-Cool-Leather-Back-Camera-used-4-dr-sedan-warranty-v6-bluetooth-/231262430538?forcerrptr=true&hash=item35d850a54a&item=231262430538&pt=US_Cars_Trucks

They are heading down friday to pick the car up and I am thinking the red flags are a reason to run from this car. We are a loyal Ford family but when a vehicle less than 2000 miles and needed the engine replaced and battery recently I would think that would be reason to run.


Below is the carfax report:
05/25/2013 NICB Vehicle manufactured
and shipped to original dealer 05/31/2013 New York
Motor Vehicle Dept.
East Elmhurst, NY Registration issued or renewed
Titled or registered as rental
vehicle
Passed safety inspection 06/21/2013 New York
Motor Vehicle Dept.
Virginia Beach, VA Title issued or updated
First owner reported
Loan or lien reported 08/12/2013 1,846 Auto Auction
Northeast Region Sold at auction

Millions of used vehicles are bought and sold at auction every year.


08/13/2013 Ohio
Motor Vehicle Dept. Vehicle purchase reported 10/24/2013 1,857 Dealer Inventory Vehicle offered for sale 11/04/2013 Elyria Ford
Elyria, OH
440-366-3673
elyriaford.com Engine removed to complete repair
Engine checked
Engine replaced 01/22/2014 Ohio
Motor Vehicle Dept.
Elyria, OH
Title #4702813463 Title issued or updated
Dealer took title of this vehicle
while it was in inventory 03/13/2014 1,895 Elyria Ford
Elyria, OH
440-366-3673
elyriaford.com Maintenance inspection completed
Battery replaced
Battery/charging system checked
Battery/charging system/starter checked
Starter replaced
Tire condition and pressure checked 05/29/2014 Ford Motor Company Manufacturer Safety recall issued
Recall #14S08
LICENSE LAMP ASSEMBLY REPLACEMENT

Locate an authorized Ford or Lincoln Mercury dealer or call 866-436-7332 to obtain more information about this recall

Question Deals
Real estate commission rebate handling
Added on : Monday July 28th 2014 11:00:11 AM
g: 1 Posted By: outie
Views: 78 Replies: 0 Hi I was wondering if someone (real estate agent?) has experience in this. Two years ago I bought a house through Redfin when they offered 50% commission rebate. It was a painless process and I got my 50% after close of escrow, via a check. No 1099 issued or whatsoever.

This year I am getting another house and used a local agent who would offer 50% commission rebate. The problem is that he doesn't seem to know how to handle the rebate correctly. He said he would have to give us a 1099, which from my research, is not right since the rebate is not taxable. I showed him a lot of stuff online (but no one has a definite answer as to what to do on the agent's part).

We also contacted the escrow company and the lender on this issue. It seems like no one knows how to handle it like Redfin does (cut us a check after closing). Escrow said we can use the rebate to reduce the home price (if the seller / listing agent allows it), or use the rebate to pay for the closing costs. Any credit in excess will be returned to its respective donor and NOT to the buyer. Lender said rebate can only be used toward closing costs. Now the issue is, the seller/listing agent does NOT want to lower the selling price for this rebate (to "skew" with the market in the area), and our closing cost is very small (actually $0 with lender credit). Then there's also some mentions of disclosing on HUD, etc. Does the rebate still need to be disclosed on the HUD if the seller isn't reducing the price and the rebate is not being used toward closing costs?

So the agent comes back to us again saying he'd have to give us a 1099 if he cuts us a check after close of escrow. How or what can I show him that he does not need to give us a 1099 and how he will need to report the expense on his tax without issuing a 1099?

Any help is appreciated.Thanks in advance!

Question Deals
Driver's License Required to Add Money to Paypal?
Added on : Monday July 28th 2014 06:00:11 AM
g: 0 Posted By: unit9174
Views: 105 Replies: 0 I recently sold an item on eBay, which I have not done much in recent years and the buyer annoying filed a dispute with eBay the day after receiving it claiming it is defective, leaving me with a negative balance. I now have the item back and would like to refund the buyer but they are requiring copies of certain documents, copy of DL, copy of utility bill, copy of SS card. I don't wish to provide those. They claim it is b/c of Patriot Act. I've used PP for over 10 years and never had this come up. They have my SSN, at least for tax reporting purposes and I have a BML account linked to my PP account.

They also claim I've never added funds to my PP account in 10 years, which I disagree with but can't confirm. I checked for transactions from 2004 and 2005 when I was first using PP and it couldn't find any transactions at all, let alone adding funds. The claim the dispute did not trigger this but the attempt to add funds did.

Any way around this or must I hand over the documents to use it?

BTW, I did check for the PP FAQ and the link atA Guide to Maximizing the Usefulness of FW Financeprovide a link toPAYPAL and other Online Payment Serviceswhich just leads to FWF homepage, not to the FAQ I'd expect.
Personal Finance Deals
g: 0 Posted By: lovelybones
Views: 197 Replies: 1 http://www.sears.com/belkin-ms-win8/p-00343095000P

EARN $15.09 in points to use later!!!!

Store pick up. YMMV.

Belkin Easy Transfer Cable for Windows 8 - Direct connect adapter - USB 2.0 - USB 2.0The Easy Transfer Cable provides a nimble, intuitive way to transfer files from your old Windows OS to Windows 8. The cable allows quick and seamless migration of data, including pictures, music, Windows settings, files, folders, program settings, email messages, and even Internet bookmarks. Accounts, data and files can be transferred en masse or as selected. Plug-and-Play setup
No additional software required for most transfers
Transfer speeds of up to 480 Mbps
Transfer report
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New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 225 Replies: 0 DiscountMags has Us Weekly & OK! Bundle1-Yr. Subscriptionfor $125.00 - 80% off promo code FATWALLET = $25.00with free shipping. Order up to 3-years. Offer starts 7/24/14 and expires 7/25/14.

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Difference between 3 different foreign stock tickers
Added on : Monday July 21st 2014 09:00:08 AM
g: 0 Posted By: brettdoyle
Views: 145 Replies: 2 With all of the recent Russian events I am looking to park a small amount of money in the Russian oil corporation LUKOIL. This is obviously a risky investment... I am not recommending anyone go out and buy since it may not be suitable for many.

With that out of the way here was my question... My brokerage (interactive brokers) offers three different ways of buying it that prompts many questions...

1) OTC Pink sheets ADR ticket
2) London stock exchange
3) Moscow stock exchange

The big different I see is that the Pink sheets pays dividends in USD whereas the others are in RUB. The other exchanges operate at different hours. From my own research it seems Russia has a 15% tax rate on dividends which will then be taxed again by Federal US tax. When I compare the price movements in all 3 instruments they are almost identical meaning that market participants are doing a good job arbitraging any price differentials between the three.

What are some of the other advantages and disadvantages to each option? Are there different legal, taxation, reporting, fees & costs, and risk advantages? Would the London stock exchange ticker also be subject to UK taxes and regulations?
Investing Deals
M&T Bank $150 Bonus for MyChoice Checking
Added on : Monday July 21st 2014 03:00:05 AM
g: 0 Posted By: cjlaver
Views: 61 Replies: 0 I received this offer in the mail for M&T Bank (scanned and attached).

Known:

Open a mychoice checking online at mtb.com/checking using promo code "QC"
$100 minimum direct deposit - restrictions say it cannot be a bank transfer or credit
Deposit credited within 90 days "to an account in good standing"
Need $500 minimum balance (or other qualifications like a certain size direct deposit or number of debit card transactions) to avoid monthly service fee
Reportable as 1099 income

Open to "new accounts opened between 7/11 and 8/15
Not Known:

If there is a hard pull
If there is a restriction on past M&T account holders
If there is a geographical restriction (when you open the account online it asks for a ZIP Code "to customize your experience" but it does not say on the mailer if there are any restrictions as to location)
If open-able without the flier (I assume it works since there is a promo code and an option to complete the transaction online).
Verizon FiOS - Free speed upgrade and more new offers
Added on : Sunday July 20th 2014 05:00:02 PM
g: 0 Posted By: BADADVICE
Views: 62 Replies: 0 1. Verizon is giving a free upload speed upgrade to all FiOS customers. Your upload speed will automatically be upgraded to match your current download speed. (e.g. if you are currently on a plan that offers 50 mb/s download and 25 mb/s upload, you will now receive 50 mb/s upload for free). This upgrade will be rolled out over the next few weeks starting Monday, 7/21. You might get the upgrade sooner if you sign up for the free "My Rewards" program from the My Verizon website.
Details about this free upgrade

2. Click the Add/Upgrade Services link from the My Verizon website to view the offers/bundles available to you. Some customers have reported some very good offers, giving more internet speed while lowering their monthly bill. Not all members receive these offers and the are separate from the free speed upgrade.


My Verizon Link
Purchase Protection - Should I give the money back?
Added on : Thursday July 17th 2014 06:00:07 PM
g: 0 Posted By: steveb10
Views: 150 Replies: 3 I recently bought a laptop computer for a little over $300. I took it home and left it unopened deciding if I really wanted that laptop or another one. Two days later someone broke into my home while we were away and stole the laptop.

I called the sheriff's office and had a police report filed. I initiated a claim on my credit card's purchase protection. Two days ago they approved the claim and credited my card the money. Today, the investigator called and I went down to the station to sign a warrant for the person they found who stole the laptop. They also gave me back the laptop.

The laptop is in good shape and I am now using it. I do not have the box or anything else that came with it except the charger.

Would you call the purchase protection company and see if they want to take back the money? I am leaning towards not doing it because of the hassle involved and the fact that I have lost some small amount of value from the laptop being stolen. On the other hand, I feel a little bit of guilt for keeping a free computer.
Question Deals
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

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

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

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

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

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

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

Thanks all!
Personal Finance Deals
Consumer Reports magazine $11.70/year, new and renewal
Added on : Thursday July 17th 2014 07:00:02 AM
g: 0 Posted By: cga
Views: 107 Replies: 0 Consumer Reports magazinesubscription from Best Deal Magazine.

For new and renewal subscriptions.
Magazines Deals
Job Resignation Timing Dilemna
Added on : Thursday July 17th 2014 06:00:09 AM
g: 0 Posted By: antiorg
Views: 260 Replies: 7 Hello all,

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

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

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

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

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

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

Thanks all!
Personal Finance Deals
g: 0 Posted By: vineetb17
Views: 38 Replies: 0 Graco My Ride 65 LX Convertible Car Seat, Coda is currently available for $118.99 @ Amazon. 20% off is automatically deducted in the cart. An additional 20% off can be had by Rewards card holders by using code BBY20ARC.
$118.99 - 20% - 20% = $71.4 + tax - 3% FatCash
http://www.amazon.com/gp/product/B005WHQKI2/
Seat is extremely highly rated by IIHS and Consumer Reports.
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Compare mortgage offers
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: steveb10
Views: 47 Replies: 0 I am in the process of buying a home. I have pre-qualified with aimloans and in the process of being pre-approved. I also looked into a local broker and received a fee worksheet. It looks as if aimloans is cheaper by about $1k, but I just want to make sure I am not missing anything. If you see something, please let me know.

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

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

Total: $1699.25

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

Total: $2565

Does anyone know why the Lender's Title Insurance is so much lower with the local broker? Is this something he would jack up at closing without me knowing? I am still learning about mortgages, so any comments or help would be much appreciated. Thank you!
Real Estate Deals
USBank: Up To $150 Checking Account Promo
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: FrozenBiker
Views: 65 Replies: 3 This was posted on another site, and didn't see it here on FW. Initial deposit can be credit card up to $500

"To earn the cash bonus, open a new U.S. Bank Consumer Checking Account (excluding Student Checking) between July 14 and September 12, 2014, and present the promotion code provided. Additionally, you must complete Direct Deposits totaling at least $500 OR complete three or more Online Bill Pay transactions by October 31, 2014. The cash bonus will be deposited into your new Checking Account within 60 days of Direct Deposit or Bill Pay verification, as long as your account is open and does not have a negative balance. Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Offer may not be combined with any other Checking Account cash bonus offers, is not valid if you have received a Checking Account cash bonus in 2014, or if you have an existing U.S. Bank Checking Account. Other restrictions may apply. A minimum deposit of $25 is required to open a U.S. Bank Checking Account. All regular account opening procedures apply. Deposit products offered by U.S. Bank National Association, Member FDIC. Image licensed from Tesla Motors, Inc. 2014."

Fixed link:
https://www.usbankpowerup.com/offer/promo/redeem/686
Deal Deals
9 Free Digital Valiant Comics from Comixology
Added on : Tuesday July 15th 2014 07:00:05 AM
g: 0 Posted By: remick
Views: 18 Replies: 0 http://comicbook.com/blog/2014/07/14/valiant-makes-their-1-issue...

In celebration of The Valiant, Valiant's upcoming, prestige format mini-series from superstar creators Jeff Lemire, Matt Kindt, and Paolo Rivera, the publisher announced today that they are making nine of its biggest #1 issues available as FREE downloads on comiXology for the month of July.

From now through July 31st, jump on board each of Valiant's ongoing series with an all-access pass to some of the publisher's most acclaimed #1 debuts, from Archer & Armstrong to X-O Manowar.

Here are the links and descriptions, as provided by Valiant:

ARCHER & ARMSTRONG #1 by Fred Van Lente & Clayton Henry

It's history in the breaking! Eighteen-year-old adventurer Obadiah Archer and the immortal miscreant currently called Armstrong will have to work together if modern civilization is to stand any chance of surviving a centuries-old conspiracy that stretches from the catacombs beneath Wall Street to the heights of the Himalayas!

NOTE: Archer & Armstrong is reportedly being developed as a feature film.

BLOODSHOT #1 by Duane Swierczynski & Manuel Garcia

Heroes aren't bornthey're built. Brought back from the dead and infused with cutting-edge nanotechnology, the walking weapon of mass destruction now known as Bloodshot has escaped his handlers at Project Rising Spirit and vowed to bring war down up his mastersbut first he'll have to figure out where the programming ends and the real "him" begins.

NOTE: Bloodshot is being developed as a feature film, to be directed by X-Men: First Class's Matthew Vaughn.

ETERNAL WARRIOR #1 by Greg Pak & Trevor Hairsine

Soldier. Guardian. Warrior. Legend. Across ten millennia and a thousand battlefields, Gilad Anni-Padda has traversed the darkest, most mysterious corners of history. But the horror and bloodshed of constant warfare has finally taken its toll on the man who vowed to serve the Earth as its Eternal Warriorand soon his oath will bring an ancient war roaring down on modern day.

HARBINGER #1 by Joshua Dysart & Khari Evans

Read minds. Bend steel. Break all the rules. Runaway teenager Peter Stanchek is on a dangerous path. Skipping across the country in a desperate attempt to stay one step ahead of the authorities, Peter is quickly realizing that hes a telekinetically powered harbinger with the potential to reshape the course of human history. His first lesson? All power comes with a price.

QUANTUM AND WOODY #1 by James Asmus & Tom Fowler

KLANG! Once upon a time, Eric and Woody Henderson were inseparable. Adopted brothers. Best friends. Brilliant minds. Years later, they are estranged siblings, petty rivals, and washed-up failures. But when their fathers murder leads them into the throes of a life-altering scientific accident, Eric and Woody will find themselves with a whole new purpose and a perfectly legitimate reason to wear costumes and fight crime.

RAI #1 by Matt Kindt & Clayton Crain

Japan in the 41st century! The year is 4001 A.D. led by the artificial intelligence called Father, the island nation of Japan has expanded out of the Pacific and into geosynchronous orbit with the ravaged Earth below. With billions to feed and protect, it has fallen to one solitary guardian to enforce the law of Fathers empire the mysterious folk hero known as Rai.

SHADOWMAN #1 by Justin Jordan & Patrick Zircher

There are a million dreams in the Big Easy. But now its worst nightmare is about to come true. As the forces of darkness prepare to claim New Orleans as their own, Jack Boniface must accept the legacy he was born to uphold. As Shadowman, Jack is about to become the only thing that stands between his city and an army of unspeakable monstrosities from beyond the night.

Note: Shadowman has a feature film in development written by J.M. Straczynski.

UNITY #1 by Matt Kindt & Doug Braithwaite

The worlds most dangerous man, Toyo Harada, has been struck by the one thing he never thought possible fear. Halfway across the globe, a new power threatens to topple modern civilization and, to preempt the cataclysm that is to come, Harada will unite the most lethal, most volatile, most unforgiving team the world has ever known UNITY. Their mission: defeat the warrior king armed with the universes most powerful weapon. Kill X-O Manowar!

X-O MANOWAR #1 by Robert Venditti & Cary Nord

Born into battle, Aric of Dacia heir to the throne of the Visigoth people has never known peace. After a brutal encounter with a mysterious enemy known as The Vine leaves him a prisoner on an alien world, the only hope Aric has of returning to his family and saving them from slavery is to seize armored suit capable of incalculable destruction and become X-O Manowar!
Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion 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
g: 1 Posted By: quilligan
Views: 95 Replies: 0 Free 1-year Print Subscription to Popular Photography Magazine

Famed for its comprehensive coverage of the latest equipment, inspiring images by leading photographers, in-depth how-to articles and authoritative test reports, Popular Photography and Imaging draws upon top professionals in the field to inform committed readers who are passionate about pictures.

http://cdn.mercurymagazines.com/200-200601/index.html
Books & Magazines Deals
g: 0 Posted By: Deals4mykids
Views: 48 Replies: 0 http://www.target.com/p/chicco-neuvo-travel-system/-/A-14545897

Select the Turquoise color and add it to your cart where $56 will be taken off automatically.
Then use the following code for another 10% off to drop the price down to $201.59: TGTC8FAZ

The other colors qualify for the $56 off, but not for the additional 10% off, so theyll be $223.99.

If you have a Target card youll save another 5%.

This sells for $279.99 from Amazon.

-The lightweight and fully-featured Neuvo Travel System from Chicco includes a compact 3-D fold Stroller for easy travel and storage, 5-point safety harness, parent cup holder and child tray with double cup holders, storage basket and an adjustable, removable canopy with peek-a-boo window. The multi-position, reclining seat and adjustable leg support provides comfort for your baby. All-wheel suspension with front locking swivels provide an extra-smooth ride.

-Also included is the #1 rated Chicco KeyFit 30 Infant Carseat. After using a competing product and switching to them youll realize why Consumer Reports ranks it as the best and why the KeyFit 30 is the only infant carseat they rated as Excellent in their overall ratings
Baby Deals

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

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

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

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

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

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
Credit Score Dropped 40 Points Today
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: thepineapple
Views: 163 Replies: 4 I checked my Experian report on 07/09 and again on 07/10. On 07/09 it was 725, now it is 685. There are no delinquent accounts, however I did a bunch of balance transfers and my report shows a way higher credit usage than I actually have. It shows that I am using 55% of my available credit, when in reality I am using about 15%. It also shows one of my cards as maxed out. I am guessing that the cards I did balance transfers to have reported to Experian, and the cards I did balance transfers from have not reported. So, my question is, once all these cards report again, and my credit report shows I am only using 15% of my available credit, will my score go right back to where it was? Experian's little score estimator tool says if I am at 15% usage my score would be 705, 20 points less than what it was yesterday. Is that other 20 points because I have a card maxed out?
Personal Finance Deals
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
g: 0 Posted By: rbej
Views: 115 Replies: 0 Bought a new home (for personal use) and had issues with the finish for the cabinets. Homebuilder could not resolve the issue. Resolved with the home builder that they would give a sum of money (roughly 9K)for me to work with a third party to get the repairs made. They issued me a 1099-MISC. If I just report it on the "Other" income section in tax software like TurboTaxI get taxesowedon this income. I was under the impression that settlements for loss of value settlements were not taxable per this publication:http://www.irs.gov/pub/irs-pdf/p4345.pdfIf I am not required to report the 1099-MISC per the above then how to I not get a nasty letter from the IRS? The publication states I need to "adjust my cost basis for the property", but since this is my personal home I really do have an option to do that until I eventually sell the home.Seems like I should have this listed on my return somewhere but then offset this income with an expense.

Probably should go to a tax accountant to handle this question but hoping there is an easy answer I can research further, I do my own taxes and for the most part know how to handle most tax issues I have. This is new to me.Thanks in advance for the help!
Personal Finance Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 09:00:05 PM
g: 0 Posted By: jpfulton
Views: 817 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Proper sales tax taken?
Added on : Tuesday July 08th 2014 02:00:09 PM
g: 0 Posted By: carpenter940
Views: 206 Replies: 1 I live in Indiana and won an auction for a box lot of items from a Indiana warehouse. I noticed that the sales tax (7% in Indiana) they charged me was on the sum total of Price of the lot + shipping + buyers premium. Shouldn't the sales tax be on just what was paid for the item? If something is wrong, should I report this? if so, who?

Here is the invoice:
Units Description Price Per Lot Total Amount xx xxxxxxxx $100.00 $100.00 Shipping & Logistics $40.25 Buyer's Premium $8.00 Sales Tax $10.38 Grand Total $158.63


Tax Deals
g: 0 Posted By: Virgil27
Views: 85 Replies: 0 Dumbledore Army Reunites at Qudditch World Cup Final by J.K. Rowling (as Rita Skitter)

This has already been all over the news, but I figured I'd post it here anyway. JK Rowling just released a short story on Pottermore about Harry Potter and the gang reuniting at the Qudditch World Cup sixteen years later, as seen from the vantage point of the nosy and opportunistic reporter Rita Skitter. It's a pretty good short story, and unless I miss my guess, it does feature a tidbit on the protagonist of Rowling's upcoming spin-off, "Fantastic Beasts and Where To Find Them". You do have to sign up for a free Pottermore account in order to access the story.




Books & Magazines Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
g: 0 Posted By: cvrev
Views: 128 Replies: 0 Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support

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

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

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

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


​AMAZON LINK
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Amazon Coupons
g: 0 Posted By: DaysFan
Views: 100 Replies: 0 http://www.hsn.com
item 369-412NeatReceipts
NeatReceipts Mobile Scanner and Digital Filing System for Windows with Surprise Carrying Case

NeatReceipts Mobile Scanner and Digital Filing System for Windows with Surprise Carrying Case
Kiss clutter goodbye, but keep the data you need. NeatReceipts scans all of your documents and receipts, then converts them to digital files you can store, search and retrieve. No more digging through filing cabinets or messy piles of paper. You can even create expense reports and editable document scans for your small business. What a great way to do more work with less mess.

What You Get


NeatReceipts mobile scanner
USB-to-mini USB cable
Neat neoprene case
Calibration paper
Dry cleaning paper
Alcohol cleaning paper
Neat software installation CD-ROM
Scanner setup instructions
Quick-start guide
Manufacturer's 1-year limited warranty


Bundled Goodies


NeatCloud + NeatMobile 30-day trial offer


Good to Know


=12pxYou must temporarily disable your computer's antivirus software until the installation of the Neat software completes.
=12pxComes with a 30-day subscription to NeatCloud/NeatMobile (additional subscription sold separately).


For warranty information, please call HSN.com Customer Service at 800.933.2887 (8 am-1 am ET).
Electronics Deals

HSN Coupons
MDBX. Form 10 approved by SEC
Added on : Thursday July 03rd 2014 05:00:11 AM
g: 0 Posted By: jhfranck
Views: 15 Replies: 0 MDBX has been approved to be a fully reported company to the SEC Since more states will be approving medical pot will this stock soar.
g: 0 Posted By: Xenocrates
Views: 28 Replies: 0 Coupon Code: FATWALLET

Muscle & Fitness- $4.99 for a One Year Subscription - Up to 3 Years

Thomas & Friends- $14.99for a One Year Subscription - Up to 2 Years

ShopSmart & Consumer Reports Bundle- $33.95for a One Year Subscription - 1 Year Only
Daily Deals

DiscountMags.com Coupons
Chase $250 Bonus Coupon For Premier Plus Checking Exp 10/15/14
Added on : Wednesday July 02nd 2014 07:00:04 PM
g: 0 Posted By: MoneysMyLife
Views: 115 Replies: 0 Here's a rare $250 bonus coupon from Chase Bank, but its for their Premier Plus Checking account which has higher requirements.

Exp 10/15/2014

$250 coupon link

IMPORTANT INFORMATION
*Service Fee: Chase Premier Plus CheckingSM has no Monthly Service Fee when you do one of the following each statement period: Option #1: Keep an average daily balance of $15,000 or more in any combination of qualifying Chase checking, savings and other balances OR, Option #2: Have automatic payments to your qualifying linked Chase mortgage from your Chase account. Payments set up through Online Bill Pay do not qualify. Mortgages must be in good standing and be first mortgages with servicing retained by Chase. Otherwise a $25 Monthly Service Fee will apply. We will notify you of changes to your account terms or fees. For more information, please see a banker or visit chase.com/checking.

Bonus/Account Information: Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid through 10/15/2014. To receive the bonus: 1) Open a new Chase Premier Plus Checking SM account, which is subject to approval; 2) Deposit $100 or more within 10 business days of account opening. AND 3) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The Annual Percentage Yield (APY) effective as of 6/17/14, is 0.01% for all balances in all states. Interest rates are variable and may change. Fees may reduce earnings on the account. The bonus cannot be used as the opening deposit. You can only receive one checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.
Credit Deals
First Tennessee $200 new checking bonus
Added on : Tuesday July 01st 2014 02:00:07 PM
g: 0 Posted By: BonusMeister
Views: 98 Replies: 0 I hadn't seen this posted here yet so thought I would share. First Tennessee is running a checking bonus of $200 for opening a new checking account and having a DD post within the first 60 days. I opened last week and had to email a copy of my driver's license and a bill-no hard pull. Minimum opening deposit of $300 and cannot fund with a debit or credit card. I plan to ACH with USAA and will update if it works. Full details posted below:

https://www.firsttennessee.com/landing/summer

*Offer valid June 1, 2014 through August 15, 2014. To receive your bonus, you must open the checking account online at www.firsttennessee.com/landing/summer and ensure the code SUMMER appears in the online application where "Offer/Promo code" is requested. You must have an opening deposit of at least $300 (must be funded within 15 days of approved application), have at least one direct deposit post to your account within 60 days of opening, and have proof of residence in one of the following states: Tennessee, Mississippi, Virginia, Georgia, North Carolina, Arkansas, Alabama. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within 6 weeks of the first direct deposit and will be reported as income on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers. This offer is for new checking households only, or for households that have not had an open First Tennessee consumer checking account for at least 12 months. Customer agrees to maintain account in good standing for a minimum of six months. As of 5/1/14, the Annual Percentage Yield (APY) for Premier Checking was: 0.01% for balances of $0-$4,999 and 0.02% for balances of $5,000 and greater. APY is variable and subject to change without notice. Fees may reduce earnings. Account openings are subject to bank approval and may be declined based on residence or other factors.
Deal Deals
65 Recyclebank Points
Added on : Monday June 30th 2014 08:00:10 PM
g: 0 Posted By: Connman
Views: 76 Replies: 0 www.RecycleBank.com

1)https://livegreen.recyclebank.com/earn/join-the-20 (30 points)
2)https://livegreen.recyclebank.com/earn/learn-how-a-secure-home-c... (10 points)
3)https://livegreen.recyclebank.com/earn/care-to-recycle (25 points)

All three appear to be resets of prior earning opportunities, based on the dates on each pages, but all three showed up as available today.
The 3rd one,at the moment, gives an error about a bad code. It's dated like it's old, but showed up as a new earn opportunity today. I'll notify RB support, and report back what I hear.

Enjoy!
Surveys & Rewards Deals
Car Accident : How to deal with the other party's insurance?
Added on : Monday June 30th 2014 07:00:09 PM
g: 0 Posted By: ThriftGuy
Views: 92 Replies: 1 Hello FWF community,

I was rear ended by an SUV last weekend (Saturday - 6/28) and my Accord will most likely get totaled. There were no serious injuries, so the cops didn't file an accident report. The officer simply exchanged each others insurance information and gave me a blue form that I can complete and mail it to the state (TX). My car was towed to a Honda dealer. Same day, I've reported the incident to my insurance (Geico) and provided them with the other party's insurance (Old American Mutual Fire Insurance Co) info. Geico tried to reach them, but were closed over the weekend. Geico finally were able to talk to them today (Monday - 6/30) and the other insurance company, Empower (actual insurance provider) called me to get my statement. The agent said it would take at least 48 hours for them to send an appraiser to look at my car and so cannot get back to me until the beginning or mid of next week. Later, I looked up their reviews online and got terrified. I do not want to file a claim with my insurance but the other insurance has got the worst possible rating. Any one has any input on which way to go?

Unfortunately, I don't have rental coverage through my insurance and not sure if the other insurance would reimburse me even though the agent said they cover upto $30/day. Its already been 3 days without my car and been relying on friends and colleagues.

I would greatly appreciate if you can provide your valuable advise/input on how to handle this situation.


Discussion Deals
g: 25 Posted By: gd78
Views: 4825 Replies: 36 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.

If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction (only works on items already on sale).
Therefore it is possible to get about58% off your purchase (on top of the sale price!).

I can confirm this works for All-Clad, Staub, and JA Henckels Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)
UPDATE: USE CODE "PARTY" TO GET 30% OFF BEFORE USING THE HONEY EXTENSION TO GET ANOTHER 40% OFF = 58% OFF(thanksichibahnslc)
(If "PARTY" doesn't work, skip it and just use the Honey coupons for ~50% off)

Free shipping for Loyalists (which is free to join)
You can use in-store pickup (if available) in case you're worried they'll cancel orders.

Their "sale" price for All-Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!

I got a 12" All-Clad frying pan for $54, and a Staub 4 qt braiser for $120.
Bruno Magli "Maioco" Cap Toe Oxfordsfor $134 (half the Nordstrom Anniversary price!)

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Please post what you find working and not working.

Confirmed working:
All-Clad
Staub
JA Henckels Zwilling
Emile Henry bakeware (some)
Bruno Magli shoes (55% off sale price!)
Brooks Brothers ($35 for a dress shirt)
Lacoste
Cuisinart cookware
Joe's Jeans
7 For All Mankind
Calvin Klein
2xist
Ralph Lauren

kate spade
Madden
Sferra

Reportedly working:
Cole Han
Sperry (some)
Hudson Park sheets
Under Armor

Not working:
Gucci, Burberry, etc.
Thomas Pink
Tumi
Briggs & Riley
(maybe all luggage)
Joseph Joseph
Simplehuman
Ferragamo
K-Pods
Electronics of any kind
Clothing Deals

Bloomingdales Coupons
1031 exchange help - need some creativity
Added on : Monday June 30th 2014 05:00:09 AM
g: 0 Posted By: me837
Views: 74 Replies: 0 Dear community,

I need your help finding the most advantageous way of doing a 1031 exchange. Here are the details:

Dec 2013: property purchased by LLC (LLC solely created to hold title)
(no tax election yet, so this could become a 1 or 2 person LLC, disregarded or partnership).

I would like to sell it and buy a bigger/more expensive property in the same area.
Purpose of 1031 exchange - to defer capital gains and roll them into the new property.

Challenges - might be seen as converting short term to long term gains;
also might not qualify as "held for investment or productive business use".

Need some creative ways to make sure it would qualify as investment or business use.
Thoughts so far - rent out to family member on paper and report rental income,
deducting expenses and initial fix up costs would make profit near zero.
Do the same for new property for 1 year, then convert to personal residence.

Any thoughts/suggestions?
Personal Finance Deals
g: 7 Posted By: gd78
Views: 1270 Replies: 10 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.

If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction (only works on items already on sale).
Therefore it is possible to get about50% off your purchase (on top of the sale price!).

I can confirm this works for All-Clad, Staub, and JA Henckels Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)

Also, it is important that you don't enter any promo codes and let the Honey extension enter them for you.

Free shipping for Loyalists (which is free to join)
You can use in-store pickup (if available) in case you're worried they'll cancel orders.

Their "sale" price for All-Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!

I got a 12" All-Clad frying pan for $54, and a Staub 4 qt braiser for $120.
Bruno Magli "Maioco" Cap Toe Oxfordsfor $134 (half the Nordstrom Anniversary price!)

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Please post what you find working and not working.

Confirmed working:
All-Clad
Staub
JA Henckels Zwilling
Emile Henry bakeware (some)
Bruno Magli shoes (55% off sale price!)
Brooks Brothers ($35 for a dress shirt)
Lacoste
Cuisinart cookware
Joe's Jeans
7 For All Mankind
Calvin Klein
2xist
Ralph Lauren

kate spade

Reportedly working:
Cole Han
Sperry (some)
Hudson Park sheets
Under Armor

Not working:
Gucci, Burberry, etc.
Thomas Pink
Tumi
Joseph Joseph
Ferragamo
Electronics of any kind
Clothing Deals

Bloomingdales Coupons
g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B0041VXUME

Family history research has become a phenomenon across the world. The Internet has become a powerful tool in helping people find their ancestors as well as reaching living family members. Twenty wonderful chapters will guide and inspire you in:

Digging for your roots
Barking up the right tree
Grabbing the best branch
Going out on a limb
Tasting the fruits of your efforts

Filled with tons of how-to tips, this fun book also includes inspiring true stories from people around the world who have felt the guiding spirit of their ancestors lead them to information they were searching for.

Dont wait another minute to discover your familys past and the fascinating stories that await you!

Learn how to research your ancestors on the Internet and use online tools, such as Ancestry.com and familysearch.org, as well as discover hundreds of genealogy web sites that offer free information. You'll learn how to find census reports, military records, birth and death records, marriage certificates, social security index, archives, and even adoption records.

You'll also learn about popular family history software and what to do with gedcom files. Whatever your surname, you'll read about lots of fun ways to celebrate your roots and honor your heritage at family reunions, family gatherings, online, through letters and photos and more.

What is your family crest? Learn how to research it or design your own! You'll read dozens of fun ideas on how to continue or create family traditions in the kitchen, with artwork, heirloom items, and photographs.

You don't have to be a professional genealogist to research your family's history. Discover dozens of free resources and how to access library archives to find your grandparents' records. You'll also learn how to identify a second cousin once removed or what to call the cousins of your aunts and uncles or other distant relatives
Books & Magazines Deals
g: 0 Posted By: gd78
Views: 64 Replies: 0 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.
If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction.
Therefore it is possible to get close to 50% off your purchase.

I can confirm this works for All Clad, Staub, and JA Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)

Also, it is important that you don't enter any promo codes and let the Honey extension enter them for you.
Free shipping for Loyalists (which is free to join)

Their "sale" price for All Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!
I got a 12" All Clad frying pan for $54, and a Staub 4 qt braiser for $120.

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Confirmed working:
All Clad
Staub
JA Zwilling

Reportedly working:
Cole Han
Certain Sperrys
Hudson Park sheets
Cuisinart cookware
Under Armor

Not working:
Gucci, Burberry, etc.
Joseph Joseph
Electronics
Clothing Deals

Bloomingdales Coupons
Expedia $50 off $200 - book by July 7
Added on : Friday June 27th 2014 07:00:05 PM
g: 0 Posted By: helloimalbert
Views: 208 Replies: 0 Ripped from therewardboss.com

MagicofMiles reported that Expedia is offering $50 off $200 hotel bookings in 2014.

Whats the catch? You have to give them your mobile #, download and book using their mobile app, and book by July 7, 2014.

Remember that when you book through Expedia or similar website, you wont get credit towards elite status because you need need, for example, book directly with Starwood Hotels to get credit towards Platinum status. BUT, since I will be going to Asia and probably staying in some non-chain hotels, the $50 will come in handy. Sign up yourself and your traveling partner, and you have $100 off $400. If you can use this, get the coupon and book in the next week, otherwise, I wouldnt do this for just $25 off.

I dont usually use these travel booking sites because Im usually using points, but seems many people dont like Expedia check this out: Expedia Scam. In the few times Ive used them I havent had problems but I do make sure that my hotel reservations have free cancellation. I hate prepaid non-cancellable room reservations.


How to get it
Step 1: Click here
Step 2: Enter your mobile number and you will get a discount code. I didnt want to give them my mobile so I tried a google voice number and it didnt work so I entered my real number. They sent a text with a $25 discount code, ugh. But I kept going and downloaded their app, applied the coupon for a stay in NYC > $200 and got a $50 discount. I hate to put my mobile number online and may regret it in the future but I like to make sure deals work before I post them.
Step 3: Click the link in the text message to download the app.
Step 4: Redeem the coupon by July 7th 2014 and get $50. Even though it says $25, you should get $50. See the screen shot below which shows the $50 discount being applied.

On the Expedia page, there is a See Details link and a Terms and Conditions link which link to different offers which makes it nice and confusing but I think I figured it out.
Travel Deals Deals

Expedia Coupons
g: 1 Posted By: VivYip
Views: 123 Replies: 0 I received email from Staples, but i don't think I saw these mentioned.

items that seem decently priced
$5.99 344175 Staples Swing Spine Report Covers, White, 10/Pack
$2.05 34473 Scotch Brand Duct Tape, Fourth of July, 1.88" x 10 Yards949994also
$1.33 149929 Staples 2-Sided Pencil Pouch, Assorted Colors
$1.84 170309 Scotch Expressions Tape, Pink, Removable, 3/4" x 300" with Dispenser
$5.04 558255 Post-it Super Sticky 3" x 3" Canary Yellow Notes, 10 Pads/Pack
$2.85 177299 Post-it Multi-Sized Notes, Assorted Bright
$1.58 635713 Staples Mini Twist-Up Crayons, 12/Pack
$0.72 116905 Staples 5 1/2" x 8 1/2" Zip Closure Sheet Protectors

not sure on these
$18.63 812069 Scotch 810 Magic Tape Refill Rolls Bonus Pack, 3/4" x 27.7 yds, 1" Core, 20/Pack
$7.48 168224 Post-it Super Sticky 3" x 3" Assorted Color Notes, 15 Pads/Pack
$82.80 803715 Bankers Box Stor/Drawer Steel Plus 100% Recycled Storage Drawers, Letter Size
$1.08 Staples Retractable Name Badge Holders

the crayons and the possible school supply items seem to be decent (possibly filler even) that might be decent to donate at times.

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

Staples Coupons
g: 0 Posted By: Neidman
Views: 27 Replies: 0 Press release from Public Citizen with details on the decision:
June 26, 2014

Contact: Angela Bradbery (202) 588-7741
Scott Michelman (617) 899-9076

On Wednesday, Judge Dee Benson of U.S. District Court in Utah awarded Public Citizen clients John and Jen Palmer $306,750 ($102,250 in compensatory damages and $204,500 in punitive damages) against the online retailer KlearGear.com. The company had demanded $3,500 from the Palmers for writing a critical online review of the company, then ruined Johns credit when he refused to pay.

As a result of KlearGear.coms actions, the Palmers lost credit opportunities; suffered anxiety, fear and humiliation; and spent weeks without heat in their home for themselves and their 3-year-old son when their furnace broke and they were unable to obtain a loan to replace it.

Public CitizensuedKlearGear.com on the Palmers behalf in December. When KlearGear.com failed to respond, the court granted a default judgment declaring that John did not owe the $3,500 and setting a hearing, held Wednesday, to determine damages. After an hour-long hearing at which both plaintiffs testified, the judge announced the award from the bench.

We are gratified by Judge Bensons ruling, which appropriately compensates the Palmers for their ordeal and punishes KlearGear.com for its abuse of the credit reporting system in retaliation for the Palmers speech. The court sent a strong message that corporate bullying of consumers would not be tolerated. The Palmers are relieved that Johns credit has been restored and they feel vindicated by todays award.

Original archived FW thread:
http://www.fullofdeals.com/forums/finance/1314355/
Credit Deals
Car Accident, other party provided conflicting insurance information
Added on : Thursday June 26th 2014 02:00:07 PM
g: 0 Posted By: WindTurbineGuy
Views: 86 Replies: 0 So there's a long story to this that's probably for another thread, but I really only have one major question regarding the situation. So my Mother was using my old car which I've been covering the insurance for until she could begin paying for it herself and was in an accident with another guy(personally feel like the other guy was at fault due to speeding and being distracted by something like a cellphone but my insurance company says neither can be proven and it's been determined that my mother was 70% at fault). Anyways, the two swapped insurance info and the cop present said he couldn't write up a police report on the accident and to just let the insurance companies handle everything. What gets fishy is the guy supplied differing insurance information from the insurance company that contacted my insurance company. Is it even legal to do this? And also, not a single adjuster has come out to see or inspect the car's damage or the area that the accident happened in. Insurance company is USAA if anyone's experienced a similar situation with them and has any advice on it.
New User Question Deals
g: 0 Posted By: Deals4mykids
Views: 231 Replies: 0 3.9 out of 5 stars

http://www.amazon.com/dp/B00FVHA50M/

Use Code: EYWYNIJX at checkout.

Price after coupon: $89.99 + Free Shipping

Unique Design: The appearance of Apad was designed by famous company with IF certificate from Germany;
Dual-system operation: Parent interface and kids interface can be shifted as you wish. Kids account will be set in the Control Center of parent account;
Free Cloud Service: Parents can do remote control to shut down, reboot and modify settings; The evaluation report generated from kids account could be viewed by parents on any mobile devices;
Parental Control: Time Management, Application Restriction, Content Safety Filtering, Kids Usage Analysis; Customized Kids System: Kids Doodle, Kids Camera, Kids Audio Books, Kidsites, Kidsware, Kidsplorer.
Display: 7-inch Multi-Touch Capacitive Touch Screen 1024*600 Pixel Resolution; Processor: Rockchip 3168 Cortex-A9 dual core; Storage: 8GB;
Memory: 1GRAM; Operation System: Android 4.2; Camera: Front 0.3MPX Rear 2.1MPX;
Network: Wi-Fi 802.11b/g/n.


Tablets & iPads Deals

Amazon Coupons
Tips for Business Card Offers?
Added on : Tuesday June 24th 2014 10:00:17 AM
g: 0 Posted By: SMC14
Views: 71 Replies: 0 Does anyone have any suggestions about triggering business card offers via mail or online? I would have thought that havingpersonal Citi and Capital One cardswould get megood offers for their business cards. They send me pretty good mail offers formore personal cards. Asking directly for deals on their business cards hasnt been productive. On another thread, someone mentioned that he thinks he received a biz mail offer because he had other business cards that showed up on his credit report. Should I just take the regular deals and hope for a better offer later?

Side note: I am surprised that I still receive paper mail offers from several card companies. Havent they all mostly flipped over to online ads or emails?

Thanks.
Credit Deals
g: 0 Posted By: FatWallette
Views: 149 Replies: 0
Up to $150 off Flight and Hotel Vacation Package at RIU Hotels and Resorts in Mexico and the Caribbean Book 6/24-7/7Use coupon RIUVACA150 $50 off $1000+ New Orleans Flight and Hotel Vacation Packages Book 6/24-7/7Use coupon BIGEASY50 Get one night free when you book a flight + hotel at select Sheraton Hotels & Resorts Book 6/24-7/7Get one night free when you book a flight + hotel at select Westin Hotels & Resorts Book 6/24-7/7
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available!  Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
Travel Deals Deals

Southwest Airlines Vacations Coupons
g: 0 Posted By: ctgolfer
Views: 27 Replies: 0 iPhoto - everything you love about viewing, editing, and sharing photos but with the power and simplicity of Multi‑Touch.
iMovie - You can shoot 1080p HD movies from your iPad. And with iMovie, you can turn that footage into a Hollywood-style trailer or mini feature film.
GarageBand - GarageBand lets you play a collection of Touch and Smart Instruments that sound just like their real counterparts but let you do things you never could on a real instrument.
Pages - Apple-designed templates and easy-to-use formatting tools let you create beautiful letters, flyers, reports, invitations, and more.
Numbers - Make innovative spreadsheets in a few taps with over 250 easy-to-use functions, an intelligent keyboard, flexible tables, and fun 3D charts.
Keynote - Create presentations with elegantly designed themes, custom graphic styles, stunning transitions, animated 3D charts, and more.
Facebook - Keep up with the people you know. Share your updates, photos, and videos. And see what friends and family are up to.
MLB.com At Bat - See every pitch and every at bat live on iPad. Get home and away radio broadcasts, video highlights, news, stats, and more.
Gilt Taste - Get great deals on food and wine, and read exclusive stories and recipes from famous chefs and food writers.
Houzz Interior Design Ideas - Browse design photos by style, room, or location, and find local designers who can make your design dreams a reality.
Barefoot World Atlas - Learn about different regions of the planet, encounter amazing wildlife, discover landmarks, and see the world in 3D.


www.ebay.com/itm/Apple-iPad-w-Retina-Display-Latest-Model-16GB-W...
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 UBISOFT
ESRB Rating M 17+ - Mature 17 + (Blood and Gore, Intense Violence, Nudity, Strong Language, Strong Sexual Content, Use of Drugs)
Genre Shooter
DRM Uplay

Far Cry
A tropical paradise seethes with hidden evil in Far Cry, a cunningly detailed action shooter that pushes the boundaries of combat to shocking new levels.
Freelance mariner Jack Carver is cursing the day he ever came to this island. A week ago, a brash female reporter named Valerie had offered him an incredible sum of cash to take her to this unspoiled paradise. Shortly after docking, however, Jack's boat was greeted by artillery fire from a mysterious militia group swarming about the island.

Far Cry 2 Fortune's Edition
FORTUNE'S EDITION EXTRA CONTENT
Far Cry 2 Fortune's Edition includes the following bonus content:
- Two new vehicles: Unimog, Quad.
- Three brand new weapons: Silenced Shotgun, Sewed-off Shotgun, Crossbow.
- Five new exciting maps: Cheap Labor, Last Resort, Lake Smear, Fort Fury, and one exclusive map for PC.

Far Cry 3 Deluxe Edition
Far Cry 3 Deluxe Edition for PC includes the following extra in-game content:
The Monkey Business Pack: Meet Hurk and his explosive bomb-carrying monkey in four heart-pounding missions and get two bonus ways to humiliate your friends in multiplayer
The Lost Expeditions: Discover the secrets of the island's lost World War II ruins in two suspenseful action missions, and unlock the power of a shotgun in a one-handed flare gun in multiplayer.
The Warrior Pack: Strike fear in your enemies with an exclusive dagger and get an early unlock of the tattoo editor in multiplayer.
The Predator Pack: Hunt four ferocious animals with the M-700 Predator Rifle in single-player and silently kill opponents with the unlocked Predator Bow in multiplayer.
Also included:
- The Survival Guide artbook (pdf file): Discover unique artwork and insider information to help you survive the insanity of the island.
- The game soundtrack

www.newegg.com/Product/Product.aspx?Item=N82E16832138433
Software Deals

Newegg Coupons
Implications of non payment?
Added on : Monday June 23rd 2014 11:00:08 AM
g: 0 Posted By: penelope31
Views: 212 Replies: 7 I had signed up for a 1 year gym membership in feb this year. At the time when I visited this facility, the lady who showed me around, said I could cancel it anytime by giving 60 days notice. Now due to personal reasons, I no longer want to continue with the membership and when I asked them to cancel it, they say that I wont be able to get out of this as I'm into an annual contract. I told them about 60 days notice and they say, its not for annual members. Now I do not have any written proof of this as the lady who showed me around said it to me. They are charging my credit card each month and they have copy of my driver's licence.

I want help on what I should be doing in this situation? Should I call my credit card company and report a stolen card to get rid of these payments? Will this have any legal implications? Any other way to get out of this?
TIA
Personal Finance Deals
Penfed 5/5 ARM Closing Cost Help
Added on : Sunday June 22nd 2014 04:00:08 AM
g: 0 Posted By: SiltyKinect
Views: 114 Replies: 0 I am in the process of closing a home in Montgomery County, Maryland and trying to see if I can benefit from 10,000 closing cost.
Couple of Questions:
Assuming a purchase price of 550000 and 20% down I have received the following Cost Illustration from wells Fargo and Penfed Online calculator.

Can anyone with experience on this let me know which one is more accurate?

Also will I get the full benefit of 10,000 from Penfed for this loan amount?

Wells Fargo estimates 17,000 and Penfed estimates 11,000 which I think is wrong.

Wells Fargo APPROXIMATE COST OF CLOSING FEES


OUR ORIGINATION CHARGE 895.00
CREDIT OR CHARGE (POINTS) FOR THE SPECIFIC INTEREST RATE CHOSEN* 0.00
CREDIT REPORT(S) 11.66
APPRAISAL(S) 635.00
TAX SERVICE FEE 70.00
FLOOD LIFE OF LOAN FEE 19.00
ABSTRACT OR TITLE SEARCH 175.00
TITLE EXAM/ATTYS OPINION 400.00
TITLE INS-LENDER COVERAGE 1,360.80
TITLE INS-OWNERS COVERAGE 850.50
CLOSING/ESCROW/SETTLEMENT 300.00
ENDORSEMENT TO TITLE-ALL 100.72
RECORDING FEE - MRTG/DOT 60.00
RECORDING FEE - DEED 60.00
CITY/CNTY TAX STAMP-DEED 5,670.00
STATE TAX STAMP - DEED 6,610.00
SURVEY 340.00
PEST INSPECTION 125.00
COURIER/MSNGR-3RD PARTY 100.00
Total 17,782.68

Penfed's Closing Fees

PenFed's origination charge $65.00
Your charge for this interest rate $0.00
Required services we select $432.50
Appraisal Fee $350.00
Credit Report$ 16.50
Flood Certification Fee $7.00
Tax Service Fee $59.00
Title services and lender's title insurance $2,112.00
Owner's title insurance $2,008.50
Government recording charges $175.00
Transfer taxes $6,350.00
Total Estimated Settlement Charges $11,143.00

Let me know if you need any further info.
Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 66 Replies: 0 Includes:
The Wizard of Oz (1939), MPAA Rating: G

The Wizard of Oz
The third and definitive film adaptation of L. Frank Baum's 1900 children's fantasy, this musical adventure is a genuine family classic that made Judy Garland a star for her heartfelt performance as Dorothy Gale, an orphaned young girl unhappy with her drab black-and-white existence on her aunt and uncle's dusty Kansas farm. Dorothy yearns to travel "over the rainbow" to a different world, and she gets her wish when a tornado whisks her and her little dog, Toto, to the Technicolorful land of Oz. Having offended the Wicked Witch of the West (Margaret Hamilton), Dorothy is protected from the old crone's wrath by the ruby slippers that she wears. At the suggestion of Glinda, the Good Witch of the North (Billie Burke), Dorothy heads down the Yellow Brick Road to the Emerald City, where dwells the all-powerful Wizard of Oz, who might be able to help the girl return to Kansas. En route, she befriends a Scarecrow (Ray Bolger), a Tin Man (Jack Haley), and a Cowardly Lion (Bert Lahr). The Scarecrow would like to have some brains, the Tin Man craves a heart, and the Lion wants to attain courage; hoping that the Wizard will help them too, they join Dorothy on her odyssey to the Emerald City. Garland was MGM's second choice for Dorothy after Shirley Temple dropped out of the project; and Bolger was to have played the Tin Man but talked co-star Buddy Ebsen into switching roles. When Ebsen proved allergic to the chemicals used in his silver makeup, he was replaced by Haley. Gale Sondergaard was originally to have played the Wicked Witch of the West in a glamorous fashion, until the decision was made to opt for belligerent ugliness, and the Wizard was written for W.C. Fields, who reportedly turned it down because MGM couldn't meet his price. Although Victor Fleming, who also directed Gone With the Wind, was given sole directorial credit, several directors were involved in the shooting, included King Vidor, who shot the opening and closing black-and-white sequences. Harold Arlen and E.Y. Harburg's now-classic Oscar-winning song "Over the Rainbow" was nearly chopped from the picture after the first preview because it "slowed down the action." The Wizard of Oz was too expensive to post a large profit upon initial release; however, after a disappointing reissue in 1955, it was sold to network television, where its annual showings made it a classic

www.bestbuy.com/site/wizard-of-oz-75th-anniversary-aniv-annivers...
Blu Ray Deals

Best Buy Coupons
g: 11 Posted By: lovelybones
Views: 1904 Replies: 9 http://www.groupon.com/deals/gg-escort-passport-9500ix-radar-and...

Product number: 0109500-3RFB
Detects all bands of speed-enforcement radar: X, K, Ka, Ku
Database of reported red-light, speed-camera, and speed-trap locations
Three months of database downloadable updates included
Detects radar from front and rear
Mark button records speed traps
Uses same satellites as GPS navigation systems
Near-instant visual, audible, and/or voice alert
AutoLearn technology recognizes and eliminates false alerts
Variable speed sensitivity adjusts scan strength
Blue LED alpha-numeric display readable in direct sunlight
Five levels of brightness control include a setting for solar eclipses
Mute, AutoMute, and AutoVolume controls
3.5mm jack for connecting to headphones or speakers (cable not included)
Further specifications
Condition: manufacturer refurbished
Six-month warranty from Escort

Electronics Deals

Groupon Coupons
g: 0 Posted By: lovelybones
Views: 99 Replies: 0 http://www.groupon.com/deals/gg-escort-passport-9500ix-radar-and...

Product number: 0109500-3RFB
Detects all bands of speed-enforcement radar: X, K, Ka, Ku
Database of reported red-light, speed-camera, and speed-trap locations
Three months of database downloadable updates included
Detects radar from front and rear
Mark button records speed traps
Uses same satellites as GPS navigation systems
Near-instant visual, audible, and/or voice alert
AutoLearn technology recognizes and eliminates false alerts
Variable speed sensitivity adjusts scan strength
Blue LED alpha-numeric display readable in direct sunlight
Five levels of brightness control include a setting for solar eclipses
Mute, AutoMute, and AutoVolume controls
3.5mm jack for connecting to headphones or speakers (cable not included)
Further specifications
Condition: manufacturer refurbished
Six-month warranty from Escort

Electronics Deals

Groupon Coupons
g: 1 Posted By: lovelybones
Views: 194 Replies: 0 http://www.pcrush.com/product/All-in-One-Multifunction-Printers/...

Special Offer: Save additional $40 by using Coupon Code CANON4470x2 at check out!

Printer Specifications
Printer Type: Monochrome Laser
Print Speed: Up to 24ppm (1-sided plain paper letter)
First Print Time: 5.8 seconds or less (letter)
Printer Language: UFR II LT (Host-based)
Print Resolution: Up to 600 x 600 dpi (1200 x 600 dpi quality)
Maximum Print Size: Up to Legal
Print Modes: Watermark, Toner Saver, Page Composer
Print Memory: 128 MB (Shared)

Copier Specifications
Copy Type: Monochrome Laser
Copy Speed: Up to 24cpm (letter)
Copy Resolution: Up to 600 x 600 dpi
Original Type: Text, Text/Photo, Text/Photo+, Photo
Halftones: 256 Levels
Warm-up Time: Approximately 13.5 seconds
First Copy Time: Approximately 8.7 seconds3
Recovery Time: Approximately 2 seconds
Maximum Number of Copies: 99 copies
Reduction/Enlargement ◦25%, 50%, 64%, 78%
◦129%, 200%, 400%Zoom: 25 - 400% in 1% increments
Copy Size ◦Platen: Up to Letter
◦ADF: 5.8" x 4.1" to LegalCopy Features ◦Collate
◦2 on 1
◦4 on 1
◦ID Card CopyCopy Memory: 128 MB (Shared)

Fax Specifications
Modem Speed: Up to 33.6 Kbps (Super G3)
Fax Resolution: Up to 200 x 400 dpi (super fine)
Transmission Time: JBIG (approx. 3 seconds)
Memory Capacity: Up to 256 sheets5
Speed Dials ◦4 one-touch speed dials
◦100 coded dialsGroup Dialing: 103 destinations
Sequential Broadcasting: 114 destinations
Receive Modes: FAX Only, Manual, Answering, Fax/Tel Auto Switch
Fax Features: Remote RX, Dual Access, Distinctive Ring Pattern Detection, Error Correction Mode, Auto Redial
Activity Reports: Activity Result & Activity Management
pC Fax: Sending only
Fax Forwarding: (FAX -> FAX)

Scanner Specifications
Scan Type: Color Contact Image Sensor (CIS)
Color Depth: 24-bit
Scan Resolution ◦Up to 600 x 600 dpi (optical)
◦9600 x 9600 (interpolated)Scan Size ◦Platen: Up to Letter
◦ADF: 5.8" x 4.1" to LegalCompatibility: TWAIN, WIA
Output File Formats: Hi-Compression PDF (Windows only), Searchable PDF (Windows only), PDF, JPEG, TIFF, BMP, PNG6
Scan Features: Rotate Image
Pull Scan: USB and Network
Push Scan (Scan to pC): USB and Network
laser printers Deals

pcRUSH Coupons
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
g: 0 Posted By: DizzyT71
Views: 184 Replies: 1 Papa Johns Pizza - 3 Large Pizzas for $15, 2 Now (1 Topping), 1 Later (3-Topping) YMMV
Valid thruJune 29, 2014.


Here's How to Get 3 Papa Johns Large Pizzas for around $15 - Two 1 Topping Pizzas Now, One 3 Topping Pizza Later.

Login to Papa Johns
EnterCouponCode "HOMERUN" on the Menu / Order page.

This is the code to receive 25 Bonus Papa Reward Points with a $15 order. These Points = a free Large 3 Topping Pizza later. This is a national promo.

Click the Apply button
Stack Coupon Code "APR30" on the Menu / Order page.

This is the code for many Locations (YMMV) to receive a Large 1 Topping Pizza for $.30 with Purchase of Any Large Pizza at regular menu price. It has been reported to work in select locations in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, & WV.
Click HEREto see the locations confirmed to work. If your location is near one listed, it will likely work.)

Note: If APR30 does not work at your location, try another from HERE.

Customize 2 Large 1 Topping Pizzas

Most locations have a Large 1 Topping Pizza for between $13.50 - $14.50. It will add $.30 for the 2nd pizza, and the total with tax will exceed the $15 minimum for the 25 Reward Points.
Beware, some toppings are more expensive than others. Pepperoni, sausage, & mushroom are some of the cheap ones)

Checkout

If your post-tax total does not reach $15 (your Papa Johns has cheap pricing!), increase the amount of your order by papa-sizing (Extra-Large), adding 2 liter soda ($2-$3), change your pizza toppings, or adding an extra garlic sauce or banana peppers until it does

You will Receive 25 Reward Points in your account the day after.
Redeem your 25 Points for a Free Large 3 Topping Pizza with Coupon Code "25PAPA".

Must redeem by July 13, 2014.

Papa John's Store Locator
Restaurants & Entertainment Deals
g: 2 Posted By: bru20
Views: 201 Replies: 1 This is the 2nd generation Nexus 7 32GB. Refurbished butvery positive reports on item received.

Link
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eBay Coupons
g: 0 Posted By: FatWallette
Views: 107 Replies: 0
Save up to $100 when you book a 4 star or higher Las Vegas hotel with your flight.Book 6/17-6/30Use coupon LASLUX100 or LASLUX75 
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available!  Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
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Southwest Airlines Vacations Coupons
Sallie Mae loan rises from the dead?
Added on : Tuesday June 17th 2014 02:00:06 AM
g: 0 Posted By: basil25mint
Views: 87 Replies: 3 I just got a letter from Sallie Mae. They claim that I owe them $8,000 for a student loan I took back in 1998, and that the loan is in default.

I of course don't remember a thing about this loan, since it was 16 years ago.It does not show up on my credit report. They have never once contacted me about this loan before today.

My credit score is pretty high, about 750 according to Credit Karma.

Here's my question: If the loan is legitmate, and it is defaulted, why is not on my credit report?

Should I try to settle with Sallie Mae? Ignore them?
Credit Deals
Chex Systems Blacklisting Gets New York's Attention
Added on : Tuesday June 17th 2014 01:00:05 AM
g: 0 Posted By: NEDeals
Views: 51 Replies: 0 Will Chex Systems be reigned in? The New York Times has an interesting article. Some excerpts:

"On Monday, New Yorks attorney general will become the first government authority to take aim at how banks use the databases, according to people briefed on the matter, who spoke on the condition of anonymity. The attorney generals office is expected to announce that Capital One has agreed to fundamentally change the way it uses the largest database, ChexSystems, barring only customers who land in the database for fraud."

"The deal stems from a broader investigation by the attorney general, Eric Schneiderman, into how the nations largest banks use the databases.As part of that inquiry, he requested more information from six banks, including Bank of America, Capital One and JPMorgan, sending letters that expressed concern that banks might be improperly denying or otherwise restricting banking access to New York consumers, according to copies reviewed by The New York Times."

"Other regulators are starting to examine the role these databases play in restricting access to the banking system. The Consumer Financial Protection Bureau is also monitoring banks use of specialty consumer reporting agencies, a spokeswoman, Moira Vahey, said."

"But the New York attorney generals investigation showed that even people who had overdrawn their account, or bounced a single check, were routinely excluded, according to people briefed on the matter. When Capital One began examining its own use of the databases after being contacted by the attorney general, it realized that the disqualifications were too broad, the people said."

Article: dealbook.nytimes.com/2014/06/15/bank-account-screening-tool-is-scrutinized-as-excessive/
General Economics Deals
g: 0 Posted By: Xenocrates
Views: 175 Replies: 0 Coupon Code:FATWALLET

Popular Science- $4.99 for a One Year Subscription - Up to 3 Years

Natural Health- $4.99 for a One Year Subscription- Up to 3 Years

Bundle:ShopSmart & Consumer Reports- $33.95 for a One Year Subscription to Each- 1 Year Only
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DiscountMags.com Coupons
g: 0 Posted By: MISTERCHEAP
Views: 74 Replies: 0 1. Before shopping, scan your CVS card or enter your phone # at the KIOSK in store to get a $3 off 2 ANY Bounty or Charmin item (all cards reported receiving)

2. Look for the single rolls on the paper aisle of Charmin Basic (HUGE), priced $1.57 ea for me (ymmv on regional difference)

3. Check out, present the kiosk Q with the 2 rolls and pay 14c for both + any tax.

4. Limit one kiosk Q per card (not printing out on multi visits)


In Store Coupons Deals
Credit Card data compromised at PF Chang's
Added on : Friday June 13th 2014 05:00:11 AM
g: 0 Posted By: ach1199
Views: 37 Replies: 1 http://www.chicagotribune.com/business/breaking/chi-pf-changs-customer-credit-card-information-stolen-20140613,0,5326132.story
Tribune staff report 8:08 a.m. CDT, June 13, 2014 P.F. Chang's China Bistro said Friday morning that customer credit and debit cared information had been hacked, confirming a report out earlier this week. The company said it is not sure how many customers were affected, but has issued the security notice after concluding its data had been compromised. P.F. Changs said it has asked the U.S. Secret Service and a third-party vendor for help in determining the scope of the breech."Because we are still in the preliminary stages of our investigation, we encourage our guests to be vigilant about checking their credit card and bank statements," the company said in on its website Friday. "We sincerely regret the inconvenience and concern this may cause for our guests."The restaurants will take manual imprints of credit cards, common before electronic swiping, while its investigation continuesThe company has created a website, pfchangs.com/security, for customers to receive updates and answers to their questions.




Credit Deals
g: 0 Posted By: DizzyT71
Views: 151 Replies: 0 Tanga has theRadioShack All-Hazard Weather Alert Clock Radioon sale for $14.99 + $4.99 shipping = $19.98.

Multifunctional design: alarm clock, radio and weather radio
Receive FM, AM, seven NOAA weather channels and Skywarn reports
Digital SAME (Specific Area Message Encoding) technology
Hear Skywarn weather reports minutes before severe weather is repeated on NOAA WX radio stations
Preloaded FIPS codes make it easy to program for your area
Sixteen alert volume levels
Separate daytime and night time alert volume settings
Different color LEDs indicate if the alert is a warning (red), watch (orange) or advisory (yellow)
Alert reminder lets you know if youve missed an incoming transmission
Alert notifications display as text and can sound as tone or tone with voice
Auxiliary input enables you to play an MP3 player or other device through the radio speakers
Dual alarm clock can be set for two people to wake up at different times
Choose an alarm to wake you up: FM, AM or alarm tone
Battery indicators
60-hour battery backup
Bilingual display: English or Spanish


Whats Included:

RadioShack All Hazards Weather Alert Clock Radio with Skywarn
BNC-to-Phono Adapter
AC Adapter
User Manual
Brand New
30 Day Warranty

Electronics Deals

Tanga Coupons
Skyfall (Blu-ray/ DVD + Digital Copy) (2012) $4.99 FSSS Amazon
Added on : Thursday June 12th 2014 12:00:03 PM
g: 3 Posted By: GreenTrash
Views: 233 Replies: 3 If you can't find the $4.99 price, check the lower right side before reporting the deal is dead. Thank you!
LINK
Movies Deals

Amazon Coupons
Chase $400 Bonus Coupon Combo Freely Available(7/15/2014)
Added on : Wednesday June 11th 2014 01:00:15 PM
g: 0 Posted By: HustlerMB
Views: 113 Replies: 0 Here's the Chase $400 Total Checking & Savings with Direct Deposit freely available for everyone! No need to buy from eBaay or email anyone! Simply click on the link and you will be presented with the Chase $400 coupon combo valid until July 15, 2014.

GET GREAT EXTRAS, INCLUDING:

Access to over 20,000 Chase ATMs and 5,600 branches nationwide
PLUS access to 11,500 Chase DepositFriendlySM ATMs no need for deposit slips or envelopes
PLUS 24/7 customer service access were here when you need us
PLUS Chase OnlineSM Bill Pay

HURRY - THIS OFFER ENDS JULY 15, 2014

GET $200 for new Chase checking customers who open a CHASE TOTAL CHECKING ACCOUNT and set up Direct Deposit.
OR
GET $200 for opening a new CHASE SAVINGSSM ACCOUNT,depositing a total of $15,000 or more in new money within 10 business days, and maintaining a $15,000 balance for 90 days.Footnote 2 (Opens Overlay)

OR

GET $400 FOR BOTH!

*Service Fee: Chase Total Checking has no Monthly Service Fee when you do any one of the following each statement period: Option #1: Have monthly direct deposits totaling $500 or more made to this account; OR, Option #2: Keep a minimum daily balance of $1,500 or more in your checking account; OR, Option #3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply in most states ($10 Monthly Service Fee for CA, OR and WA). Chase Savings has no Monthly Service Fee when you do at least one of the following: Option #1: Keep the minimum daily balance of $300 or more in your savings account; OR, Option #2: Have at least one repeating automatic transfer from your Chase checking account of $25 or more each month. One-time transfers do not qualify; OR, Option #3: Have a linked Chase Premier Plus CheckingSM or a Chase Premier Platinum CheckingSM account. Otherwise a $4 Monthly Service Fee applies in most states ($5 for accounts opened in CA, FL, GA, ID, NV, OR and WA). We will notify you of changes to your account terms or fees. For more information, please see a banker or visit chase.com/checking or chase.com/savings.

Bonus/Account Information: The checking offer is not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the $200 checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval. 2) Deposit $100 or more within 10 business days of account opening; AND 3) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, well deposit the bonus in your new account within 10 business days. The bonus cannot be used as the opening deposit. To receive the $200 savings bonus: 1) Open a new Chase Savings account, which is subject to approval. 2) Deposit a total of $15,000 or more in new money into the new savings account within 10 business days of account opening; AND 3) Maintain at least a $15,000 balance for 90 days from the date of deposit. The new money cannot be funds held by Chase or its affiliates. After you have completed all the above requirements, well deposit the bonus in your new account within 10 business days. The Annual Percentage Yield (APY), for Chase Savings effective as of 5/12/14, is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. You can receive only one new checking and one savings account opening related bonus per calendar year. Bonuses are considered interest and will be reported on IRS Form 1099-INT.
Deal Deals
g: 0 Posted By: Xenocrates
Views: 199 Replies: 0 DiscountMags Father's Day Sale: 10 Magazine Subscriptions starting at $4.50

Golf Digest - $4.50
Backpacker - $4.50
Field & Stream - $4.50
Road & Track - $4.50
Esquire - $4.99
Popular Science - $4.99
Muscle & Fitness - $4.99
Details - $4.99
The Beer Connoisseur - $9.99
Consumer Reports - $18.99

Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: ctgolfer
Views: 112 Replies: 0 Blue display
Makes it easy to view artist name, song or program title and channel information.
PowerConnect vehicle dock
For simple installation. Optional accessory kits (not included) allow you to enjoy SiriusXM Satellite Radio in a variety of settings.
10 station presets
Let you recall your favorite stations with the touch of a button.
One-Touch Jump
Provides simple traffic and weather reports for 20 major metropolitan areas. Push button navigation simplifies channel surfing.
Parental controls
Allow you to lock and unlock channels.

www.bestbuy.com/site/sirius-stratus-7-satellite-radio-with-power...
Electronics Deals

Best Buy Coupons
New Personal Finance Software Gauging Interest
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: samiam68
Views: 137 Replies: 3 I have been using Quicken since the 1990s, the latest version being 98. That is correct Quicken 98 is the last version that I consider useful, well put together, and actually "quick". Every version since has become more bloated, less useful, buggier, and slower.

Even though I cannot get online updates from financial institutions for transactions, bill pay, or stock quotes, I find the tool indispensable and cannot see organizing my financial life without it. I enter all transactions manually, which actually helps me weed out any errors during reconciliation. I have caught a number of mistakes by banks over the years using this method.

I currently have about 40 active accounts, over 50 archived accounts, have never truncated yearly data, and the program handles tens of thousands of transactions almost 20 years worth - with ease.

However, I had to do some hacking with the actual EXE files and font files to get this program to work properly in Windows 7, and I cannot get it to behave well in Windows 8 at all. I wont even get into how I got the 16-bit installer to work in a 64-bit OS.

I have tried replacing it with MS-Money, AceMoney, Moneydance, Grisbi, YNAB, GNU-Cash, and a recent version of Quicken, only to be greatly disappointed with all of these products. I will not get into the details, but all of these programs either lack features, have too many useless features, have horrible user interfaces, are slow, are buggy, or are not able to import historical data in QIF format.

Im an experienced developer and have been toying with the idea of writing my own Personal Finance program. However, this would be significant enough of an effort that I would like to capitalize on it and actually make some money for my troubles. I am reaching out to the FWF folks to see if there is any interest in a new Finance Software and the features that would be desired.

These are the features that are important to me:
- Ability to run on current and future versions of Windows.
- High strength encryption for data file(s).
- Ability to split all income/expense transactions into multiple categories.
- Ability to track stock portfolios with easy ways to see annualized returns.
- Ability to handle stock splits, spinoffs, return of capital, margin interest, and other advanced transactions.
- Ability to record loan payments with automatic amortization.
- Ability to track rewards points and airline miles.
- Some basic built-in financial calculators.
- Yearly budgeting with auto-create feature and weekly/monthly/quarterly views.
- Scheduled transactions with reminders.
- Ability to handle many years of data without having to do year-end truncations.
- Easy/automatic backups.
- Automatic recovery in case of data corruption.
- Customizable reports and graphs.
- Comprehensive import of QIF files.
- Comprehensive export of all data to Excel or Access.
- Very fast execution / performance. I mean everything should be nearly instantaneous.
- No sunset policy on anything.

Features that I may consider implementing:
- Cross-platform compatibility Linux, Mac.
- Automatic updates of stock prices.
- Online connector ability to upload encrypted files and access/synchronize using a secure web application.
- Online backup.
- Portable app for iOS, Android, and Windows Phone (in conjunction with an online connector).

Features I am not considering:
- Automatic transaction download from financial institutions this is extremely tedious and complex to implement.
- Advertising no way!
- Marketing of add-on products.
- Making this open source.

If you have any suggestions for other features, please share.

I would also like to get some feel on whether folks would be interested in purchasing something like this and which price point do you think is fair.

$30 for each new version.
$40 for one version and 3 free upgrades.
$50 for one version and unlimited future upgrades.

Again, this is just a concept at this point, and will likely take about a year to actually build the software if I go forward with it, but your feedback is greatly appreciated.

P.S. Please dont point out that Yodlee and Mint are the way to go. I, and some other folks, do not trust the security of online aggregation services (due to very good reasons).

P.P.S. I know some here will suggest using Excel or equivalent, but I am looking to create a comprehensive and integrated solution with far more capabilities than a spreadsheet could provide.


Discussion Deals
g: 0 Posted By: ctgolfer
Views: 69 Replies: 0 Dual Extrusion ABS/PLA/PVA 3D Printer - Black Metal Housing
Join the 3D printing revolution with this Dual Extrusion 3D Printer from Monoprice!

3D printing is the hot ticket now, primarily because it allows you to cheaply produce a design prototype prior to manufacture and, as can be seen from news reports, even make finished, usable products.

This 3D printer features a dual extrusion head, which allows for two color print jobs. It can use 1.75mm ABS, PLA, and PVA filaments and supports layer thicknesses from 0.1 ~ 0.5 mm. The extruder can be heated to 250C and the metal heating plate can be heated to 120C. It prints at a rate of 24cc per hour.

The printer comes with two 1kg reels of PLA filament.

Specifications
Case Color Black Powder Coated
Extruder MK-8 Dual Head with upgraded release
Plate Heated Metal Build Plate
Print Technology FDM
Build Volume 8.9" x 5.7" x 5.9" (225 x 145 x 150 mm)
Printing Material ABS/PLA/PVA Filament 1.75mm
Layer Resolution 0.10mm
Positioning Precision XY: 11 Microns (0.0004")
Z: 2.5 Microns (0.0001")
Layer Thickness 0.1 - 0.5mm
Nozzle Diameter 0.40mm
Printing Speed 24cc/hour
Extruder Temp. 0-250C
Heating Plate Temp. 0-120C
Connectivity USB Cable, SD Card
OS Compatibility Windows XP/Vista/7/8
Linux, Mac OS X
Operation LCD Screen + 5 keys control
AC Input 100~240 VAC, ~2 amps, 50~60 Hz, 350W
Dimensions 18.7" x 12.7" x 15.1" (476 x 322 x 383 mm)
Weight 28.7 lbs. (13kg)
Software ReplicatorG
File Types Input:STL/OBJ
Output:X3G

www.monoprice.com/Product?c_id=107&cp_id=10724&cs_id=1072403&p_i...
Printers & Ink Deals

Monoprice Coupons
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
529 - weighing state plan choice versus in state deduction
Added on : Wednesday June 04th 2014 11:00:09 AM
g: 0 Posted By: digduggler
Views: 128 Replies: 2 Forgive me if this has been covered, I don't seem to be able to find it. I'm still getting up to speed. I see that you can open a 529 plan outside of the state of residence and use it for whatever college is attended. I also see that all of these funds are not created equal (in particular Utah is often recommended and there isthis2013 Morningstar analysis).

This might be obvious, but I'm wondering if anyone has done an analysis or whether or not staying in state (I am in Alabama which has a 'bronze' Morningstar rated plan) which allows for a tax deductiblecontribution offers the greater savings in the long run vs investing in a fund with a lower ER/fees in a different state. It seems staying in state offers better savings as long as you contribute an appreciable amount. This will be for my < 1 year old, and I plan on cashing out one or more whole life policies my dad took out of me (see here) when I was a kid to jump start it with 14k (the current max gift amount as I see) this year and potentially 13k as well next year (I have two different policies I can cash out at separate times valued at about ~15 cash value each, not taking in tax implications). I've already gotten a healthy amount of term of my self and my wife (1 million of me, 500k on her), so it should be safe to cash these out. After the initial seeding I will contribute as much as I can after maxing out both my and my wife's ROTHs as well as my 401k contribution (no match, so currently weighted such that I"m putting aside 15% a year into retirement combined between ROTH and 401k. Once my wife goes back to work that will increase significantly). Any feedback appreciated.
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Refinance Options
Added on : Tuesday June 03rd 2014 11:00:09 AM
g: 0 Posted By: bgwozdz
Views: 128 Replies: 5 Primary residence, intend to pay loan off(within 15 years)and keep house as rental income in the future. Plan on moving out 5-10 years from now.
Cash reserves is not an issue and no other outstanding debt accept a $6K student loan at 1.625%.

Current mortgage info:
30-year fixed -4.875%
$134K remaining after 50 payments
70-75% LTV (Conservative Estimate)
Adding $250 to the principal for the last 10 payments (sporadically added $100 in previous payments)

Refinance offer through original Lender
15-year Fixed 3.25% / 3.428% APR ($249 point cost)
If paying closing costs upfront, estimated terms at close.
$129,500K loan balance, $8,800 closing costs. Including escrows.
If rolling closing costs into loan.
$138,500k loan balance

Closing costs of course jump out to me right away. Not excited about paying $8,800 up front, or adding an additional $9,250 to the loan balance.

Questions:

Do the Closing costs seem resonable?If needed I can break it down by line items.
Should I roll in the closing costs? My thought is that I can just take that $8,800 and fund my retirement accounts.
Penfed 5/5? I just started investigating that option today, currently at 3% with the no closing costs offer. Wouldmy situation benefit going that route since I am intending to keep the home and pay off the loan? Can someone educate me on how it would be the best option for my situation.

Thanks and I understand there is similar topics as I did utilize the search feature. However, after doing some homework I still am left wondering about my scenario and I also seem to be going up against the clock as I understand rates are climbing and a favorable job report at the end of the weekis expected to push these rates higher.


Question Deals
g: 0 Posted By: diamente
Views: 344 Replies: 15 I got a Hertz rental vehicle and declined all coverages. I got rear ended but Hertz is coming after me for money even though I have a police report and pictures showing I was rear ended. Hertz's reason was I am liable for damage to the vehicle regardless if I were at fault. It sounds unreasonable to me. Why Hert'z can not go to the other guy for money. Hertz can not be double dipping-getting money from both parties.
Question Deals
Rear ended in a Hertz rental vehicle. Hertz is asking me for money
Added on : Monday June 02nd 2014 05:00:07 PM
g: 0 Posted By: diamente
Views: 178 Replies: 7 I got a Hertz rental vehicle and declined all coverages. I got rear ended but Hertz is coming after me for money even though I have a police report and pictures showing I was rear ended. Hertz's reason was I am liable for damage to the vehicle regardless if I were at fault. It sounds unreasonable to me. Why Hert'z can not go to the other guy for money. Hertz can not be double dipping-getting money from both parties.
Question Deals
g: 1 Posted By: scripta
Views: 110 Replies: 0 http://citi.com/easierbanking

Use (1) online bill pay, (2) mobile check deposit, or (3) outgoing popmoney transfer and Citi will pay you $10 per type of transaction per month, up to $100 total by 12/31/14.

So it should be a max of $30/mo, but you don't have to use all three. Works for current customers. Sign up by 7/31/14.

Per T&C: "The value of the cash bonus will be reported to the IRS as miscellaneous income on Form 1099-MISC in the year received, if the value of the rewards plus other taxable miscellaneous income awards received from Citibank, N.A. is in the aggregate $600 or greater for a calendar year, as required by applicable law."

Credit to stucky621 @ SD. FWF is slacking.
Deal Deals
New FATCA (H.R. 2847) provisions take effect on July 1, 2014
Added on : Monday June 02nd 2014 05:00:09 AM
g: 1 Posted By: MasterSplinter
Views: 429 Replies: 4 In a nutshell, FATCA will require foreign banks/brokerages to report financial information about accounts owned by Americans to the US Government or face severe penalty. The reporting requirements are stringent and a large number of foreign banks are no longer taking Americans as customers.

One of the under-reported risks to the American economy stemming from FATCA is the potential for wide-scale disinvestment from the United States by foreign institutions seeking to avoid the IRS, penalties, and huge compliance costs. The 30-percent FATCA "withholding tax' represents a powerful incentive to get out of U.S. markets entirely. The implications for the stock market, bonds, the dollar, and more could be monumental.

Smaller firms that aren't able to deal with the compliance costs or the crippling withholding taxes, seem especially likely to ditch American markets.

How do you see this playing out?

Discussion Deals
Free Movies at the park New York City
Added on : Monday June 02nd 2014 03:00:07 AM
g: 0 Posted By: puggle
Views: 156 Replies: 0 May 30 - Super Buddies
May 30 - Purple Noon
Jun 6 - Frozen
Jun 6 - Brave
Jun 6 - Les Tontons Flinguers
Jun 13 - Tangled
Jun 16 - Saturday Night Fever
Jun 20 - The Women on the 6th Floor
Jun 23 - The Mark of Zorro
Jun 27 - La Haine
Jun 30 - A Soldier's Story
Jul 7 - Blazing Saddles
Jul 8 - Film Series at Sunset
Jul 8 - Dazed and Confused
Jul 9 - Back to the Future
Jul 9 - Clueless
Jul 9 - Iron Man 3
Jul 10 - Duck Soup
Jul 11 - The Moustache by Emmanuel Carrre
Jul 14 - Suddenly Last Summer
Jul 15 - Film Series at Sunset
Jul 15 - Hustle & Flow
Jul 16 - Zoolander
Jul 16 - Back to the Future
Jul 16 - American Hustle
Jul 17 - Sharknado
Jul 18 - Grand Illusion
Jul 21 - National Lampoon's Vacation
Jul 22 - Film Series at Sunset
Jul 22 - The Incredibles
Jul 23 - Cry-Baby
Jul 23 - Harold and Maude
Jul 23 - This Is the End
Jul 24- Fantastic Mr. Fox
Jul 25 - Le Magnifique
Jul 28 - Key Largo
Jul 29 - Film Series at Sunset
Jul 29 - Fried Green Tomatoes
Jul 30 - Heathers
Jul 30 - The Princess Bride
Jul 30 - The LEGO Movie
Jul 31 - Beetlejuice
Aug 1 - 2 Autumns, 3 Winters
Aug 4 - The Karate Kid
Aug 5 - Film Series at Sunset
Aug 5 - Paris Is Burning
Aug 6 - The Big Lebowski
Aug 6 - Anchors Aweigh
Aug 6 - Lone Survivor
Aug 7 - Cat on a Hot Tin Roof
Aug 11 - Lover Come Back
Aug 12 - Despicable Me 2
Aug 12 - Film Series at Sunset
Aug 12 - Madagascar
Aug 13 - Bobby Sanabria / Screening: Chico and Rita
Aug 13 - The Outsiders
Aug 13 - The Hunger Games - Catching Fire
Aug 14 - Ghost Dog: The Way of the Samurai
Aug 17 - A Soul Train Tribute to Women
Aug 18 - The Shining
Aug 19 - Monsters University
Aug 19 - Film Series at Sunset
Aug 19 - Independence Day
Aug 20 - Captain Phillips
Aug 21 - Public Vote
Aug 26 -Frozen
Aug 26 - Europa Report
Aug 26 - Film Series at Sunset
Aug 26 - On the Waterfront
Aug 27 - Frozen
Aug 29 - The LEGO Movie


http://www.nycgovparks.org/events/free_summer_movies
Restaurants & Entertainment Deals
New FACTA (H.R. 2847) provisions take effect on July 1, 2014
Added on : Sunday June 01st 2014 06:00:03 PM
g: 0 Posted By: MasterSplinter
Views: 46 Replies: 0 In a nutshell, FACTA will require foreign banks/brokerages to report financial information about accounts owned by Americans to the US Government or face severe penalty. The reporting requirements are stringent and a large number of foreign banks are no longer taking Americans as customers.

One of the under-reported risks to the American economy stemming from FATCA is the potential for wide-scale disinvestment from the United States by foreign institutions seeking to avoid the IRS, penalties, and huge compliance costs. The 30-percent FATCA "withholding tax' represents a powerful incentive to get out of U.S. markets entirely. The implications for the stock market, bonds, the dollar, and more could be monumental.

Smaller firms that aren't able to deal with the compliance costs or the crippling withholding taxes, seem especially likely to ditch American markets.

How do you see this playing out?

Discussion Deals
Ebay Tax Question
Added on : Friday May 30th 2014 04:00:05 AM
g: 0 Posted By: toyking
Views: 29 Replies: 1 Hi,
I have question about eBay selling 1099K form, as I know is Paypal to report this form to IRS when your gross income over $20,000 + 200 more transactions.
Here is my question:
I have exiting eBay account andI have two different Paypal accounts which use two different social security numbers to register. Can I continue to use my eBay account and rotate with these two Paypal accounts to escape the 1099K?
Thanks

Tax Deals
g: 0 Posted By: SyZpuzzler
Views: 223 Replies: 3 Hello, I made a post a few weeks ago about purchasing a house but that is down the road, and this is more pressing

Currently, this is my situation: $39k salary, $29k combined student loan debt between 2.8% and 5.9%, $8.5 car loan at 1.9%, and a $3,400 CC balance on my Wells Fargo card I've had for over 10 years. As far as I know, my credit is good (excellent??? No late payments on anything in years, no other outstanding debt, I've held car loans before, I've had student loans for many years, etc. I don't know the actual score because when I go to annualcreditreport.com it just gives me a detailed summary but not my actual FICO score)

I currently have $1,000 I want to pay towards my credit card, and I'm looking to pay off the remaining $2,400 within a year (hopefully within 6 months ...)

I haven't gotten a new card in years, including a debit (also WF). I know there are tons of programs to move your balance, get 0% for a year, get 2% Cash Back, all sorts of stuff

My main question is: should I move my $3,400 balance to a new card with 0% down and potentially some rewards like Cash Back, then pay it down within a year and use that card moving forward?

Follow up questions:

- Once my current card is paid down, can I close it? Do I get a credit hit if I close a current line of credit?
- If I get a Cash Back or rewards card, is the correct way to make purchases moving forward to just use the credit card then at the end of the month pay it 100% off with the money from my checking account I would have used anyways?
- I know Discover has some sort of program where they tell you your credit score every so often. Are there any other programs? Ideally, 0% + a Cash Back rewards + a FICO score would be fantastic but that seems like a pipe dream
- Is it worth it to call Wells Fargo and basically pull the 'Hi, I'm a loyal customer. I see offers to move my balance over and get a 0% interest, is there anything you can do about my interest rate?' card AND THEN if they lower it, STILL move the balance over?
- My current credit line is $4,800, bumped from $3,600, bumped from $2,500. Will I more than likely be approved for at least a $3,600 limit on the new card? (Enough to move $3,400 + the 3% fee)

Yes, I know there is a credit card thread but it has 112 pages and I simply cannot invest the time into that much

Thanks

Credit Deals
g: 0 Posted By: MISTERCHEAP
Views: 126 Replies: 0 Food Network Magazine only $11.99 after code HIP40
* Consumer Reports Magazine only $17.40 after code HIP40
* ShopSmart Magazine only $13.74 after code HIP40
* Organic Gardening Magazine only $7.77 after code HIP40


www.discountmags.com

enter code HIP40 to save 40% on ANY TITLE!!

ends 5/29 at Midnight ET
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Lawyer wants to be fired
Added on : Tuesday May 27th 2014 04:00:08 PM
g: 0 Posted By: LOOPHOLE
Views: 276 Replies: 4 Serious dilemma here, my divorce lawyer of 9 monthskeeps "asking" me to fire her, she's even tried to provoke me to fire her. The problem is thatthere's a trial scheduled for next week! I don't think she's prepared and is looking for a way out as she would never be allowed to withdraw at this stage. She's assured me all along that her "nice strategy" was going to work & she had an understanding with the enemy,but then opposing counsel started hammering and dropped a bombshell yesterday with respect to property settlement, now I feel like I'm about to be slaughtered here. I called her out on blatant lies in her emails. I am definitely going to report her to the state bar, but not sure how to proceed otherwise. Any advice appreciated.
Question Deals
g: 4 Posted By: gd78
Views: 1084 Replies: 5 Summary:
Receive a $10 Lowes gift card for getting an auto insurance quote from AAA.
You must be a California resident
You DO NOT have to be a AAA member.
You DO NOT have to buy anything.
There's no invitation code and it's not targeted. Just tell them you want the Lowes offer.
You must get the quote in person or by phone.

Link to offer details

For a limited time, the Auto Club is offering you afree $10 LowesGift Cardwhen you get a free auto insurance quote.Simply choose one of the following ways to obtain a free auto insurance quote and mention the offer to receive yourfree $10 LowesGift Card.Its simple, and its free

Visit your localAuto Club branch(Southern California branches only)
Call an Auto Club agent at1-888-575-0293

HurryOffer expires July 31, 2014$10 Lowes gift card offer valid for CA residents through 7/31/14 who mention the offer and receive an insurance quote.Must be 18 years or older. Limit one free gift card per household per 6 months. New quotes only. Not valid for online quotes. Existing AAA insureds not eligible. NO PURCHASE REQUIRED. We reserve the right to provide a substitute incentive. Please allow 68 weeks for delivery. Membership is not required for offer. Terms and conditions may apply. See cards for details. From a 7/1/12-6/30/13 multi-state survey of new auto insureds who switched to AAA and reported savings. $369 is the overall average savings. Each listed competitors savings is an average.
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g: 0 Posted By: FatWallette
Views: 65 Replies: 0
Book a flight + hotel vacation package for three nights or more in New Orleans, and save $60 Book 5/27-6/9Use coupon SAVE60MSY 
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available!  Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
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g: 0 Posted By: ctgolfer
Views: 120 Replies: 0 use promo code: FATWALLET

Consumer Reports is renowned for its unbiased testing and product reviews. Each issue features reviews of cars, appliances, electronics, health, finance, product recalls and more. This magazine subscription will help you find the best products in the world, don't buy another thing before consulting Consumer Reports. Start shopping smarter today!

www.discountmags.com/product/4501/consumer-reports
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Haier 22" 1080p LED HDTV. Free Returns -- $119.99 @ Groupon
Added on : Monday May 26th 2014 06:00:04 PM
g: 1 Posted By: paulsmity
Views: 222 Replies: 0 I find this not posted so I'd like to share.

Haier 22" 1080p LED HDTV. Free Returns

This Haier television is compact enough to fit in tight spaces, such as a bedroom or kitchen, without sacrificing picture quality. The set's edge-lit LED display keeps it thin and lightweight while projecting images in vibrant, high-definition colors and deep, inky blacks. A pair of HDMI ports lets the TV connect to high-def devices, such as Blu-ray players and the Z-Cube that lets you report back to your superiors on Xephlon-8.
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g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 use promo code: QN86EI29

The latest Bluetooth 4.0 (fully backward compatible),up to 320 hours (14 days) of standby time,Up to 7 hours of talk time,Up to 5 hours of music play time.
Voice report function,When you receive a calling, The Bluetooth headset read the incoming call number.
iPhone displays headset battery meter.
Digital Noise-reduction of DSP and noise-cancelling microphone,reduces background noise and echo ensuing a clear and natural communication.
Supporting Multi-point, and allowing one Bluetooth headset connecting two mobile phones at same time.

www.amazon.com/dp/B00JJGI616/
Cell Phones Deals

Amazon Coupons
g: 0 Posted By: gd78
Views: 161 Replies: 0 Summary:
Receive a $10 Lowes gift card for getting an auto insurance quote from AAA.
You must be a California resident.
You do NOT have to be a AAA member.
You must get the quote in person or by phone.

Link to offer details

For a limited time, the Auto Club is offering you afree $10 LowesGift Cardwhen you get a free auto insurance quote.Simply choose one of the following ways to obtain a free auto insurance quote and mention the offer to receive yourfree $10 LowesGift Card.Its simple, and its free

Visit your localAuto Club branch
Call an Auto Club agent at1-888-575-0293

HurryOffer expires July 31, 2014$10 Lowes gift card offer valid for CA residents through 7/31/14 who mention the offer and receive an insurance quote.Must be 18 years or older. Limit one free gift card per household per 6 months. New quotes only. Not valid for online quotes. Existing AAA insureds not eligible. NO PURCHASE REQUIRED. We reserve the right to provide a substitute incentive. Please allow 68 weeks for delivery. Membership is not required for offer. Terms and conditions may apply. See cards for details. From a 7/1/12-6/30/13 multi-state survey of new auto insureds who switched to AAA and reported savings. $369 is the overall average savings. Each listed competitors savings is an average.
Surveys & Rewards Deals
Football Manager 2014 [Online Game Code] $12.49
Added on : Monday May 26th 2014 10:00:03 AM
g: 0 Posted By: GreenTrash
Views: 14 Replies: 0 LINK

Play it whenever, wherever, however
Inclusion of cloud-save technology which means that managers can now pursue a single career from any computer, anywhere in the world. FM14 also includes integration with Steam Workshop making it easy for managers to create and share customised FM content such as photo/logo packs, new and custom competitions and tailor-made challenges using the new Challenge Editor.

Improved Match Engine
The 3D Match Engine has seen extensive improvements, including enhanced AI, improved lighting and player animation, individual player character and kit models, more realistic player reaction to on-field incidents and a range of optimisations which combine to make this the best looking and fastest FM Match Engine yet.

Tactical overhaul
There has been a complete redesign of how tactics are created, selected and implemented with player roles and team strategies becoming even more prominent, definable roles for players for multiple positions, new player roles and instructions and improvements to rival managers' AI so that theyll adapt their tactics more readily over time.

More realistic transfers and contracts
FM 2014 features a revamped transfer module where opposing clubs and managers adopt a more realistic approach when making or responding to transfer offers. In addition, a number of new real world transfer clauses have been added, such as the facility to loan a player back to the club hes just been bought from and the option to offer a combination of cash and loan players, as well as new contract clauses such as a sub bench appearance fee. On top of this, the old turn-based system of transfer negotiations can now be done two ways, the tried and tested system and a new live system, similar to that used in FMs contract negotiations.

More sophisticated board interaction
Contract negotiations are more realistic in FM 2014, as managers and boards can now make demands and lay down their respective visions for the club in both initial job interviews and contract renewal discussions. Managers can also attempt to renegotiate transfer and wage budgets as a reward for staying loyal if theyve been offered a job by another club, with the outcome helping aid their decision on whether to move or not.

Improved interaction with players, staff and media
There is now better interaction between players, managers, their rivals and the media; for example, members of the coaching staff now offer feedback on how reserve and youth team players are performing. Managers can also ask key players to have a word with unhappy squad members, while the introduction of an end-of-season meeting allows the manager to let the squad know how they have performed and set targets for the coming season.

News system
The news system has been overhauled so managers can now deal with many club matters directly from their inbox. In addition, news is now colour-coded, based on category, and contains more detail for example, scout reports now appear as a single news item with a top-line report on all players scouted and the facility to shortlist or make an offer for each of these players.

Enhanced user interface
Major changes have been made to FM 2014s user interface. Key areas have been redesigned including the training overview page, the transfer centre and the news homepage while widespread changes have been made across the games user interface. The language employed throughout the game has also enjoyed a major overhaul and now corresponds more closely to the language of real world football.

Football Manager Classic evolved
Managers can now choose more than three playable nations in Classic mode for a more immersive experience. In addition, FMs fast play mode now includes Transfer Deadline Day, a Match Plan wizard and new unlockables.


PC Minimum System Requirements:

OS: Windows XP, Vista, 7, 8
Processor: Intel Pentium 4, Intel Core AMD, Athlon. Windows XP: 1.6GHz+, Windows
Vista/7/8: 2.2GHz+
Memory: 1 GB RAM
Graphics: NVidia GeForce FX 5900 Ultra, ATI Radeon 9800, Intel GMA X3100: 128MB VRAM
DirectX: Version 9.0c
Network: Broadband Internet connection
Hard Drive: 3 GB available space

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g: 0 Posted By: badparet
Views: 167 Replies: 0 Well reviewed GE dishwasher GDT580SMFES slate color, normally $799, on sale $628 at Home DepotandSears now.(dishwasher review,consumer report score 76, 4.5 stars 178 reviews on Home Depot). Standing in Home Depot now, got price matched to Sears price of $578 (Sears price is same minus $50 from sears50 code). Home Depot took extra 10% off as per their policy so price is about $520, plus $59.99 install, $19.99 install kit, $9.99 power cord, and only $2 tax for the kit and cordas no tax charged on an installed appliance. Totals to about $612. Minus 5% off from discover for home improvement stores this quartermakes this about $580 actually total delivered, installed, haul away, and after taxes. Last best price I saw was slickdeals $619 installed back in December. Links to washer on Sears and homedepot below, just use SEARS50 code in cart for Sears to get 578 price, print out screen shot, and go to homedepot store. I personally had no problems getting them to honor the extra 10% off.

sears washer
home depot washer
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SUMMER MOVIE DEALS For Adults and Children - 2014 Season
Added on : Thursday May 22nd 2014 01:00:02 PM
g: 1 Posted By: BigBoyMichigan
Views: 184 Replies: 0 Special Thanks toHeyItsFree.net For sharing this information


AMC Theaters: Their Summer Nights program is aimed at adults with 8 blockbuster hits back for a limited time. Show times are Mon-Wed at 10 pm. Tickets are just $3 and benefit charity.

Bow Tie Cinemas Select locations are showing free kids movies on Tuesdays and Wednesdays at 10:00 am from June 24 to Aug. 20.

Cinemark Century Theaters: They have two different money saving movie programs. First, pay $5.00 p.p. in advanced and youll get tickets for 10 movies! Alternatively, you can buy your tickets at the show for $1 each. Note someRave Theatersare now owned by Cinemark.

Cineplex: Saturday mornings at 11:00 am through June will feature Cineplex Family Favourites. Watch a family favorite film each week for only $2.50 at participation locations.

Classic Cinemas: Beginning June 11th, Wednesday Morning Movie Series. Each Wednesday morning at 10 am ticket prices are just $1, all movies are rated G and PG.

Harkins Theater:Again, you have two options: Buy a season pass then each movie is less then $1. Or buy tickets the day of the movie for $2 per ticket. Show times are at 9:45 am.

Marcus Theaters: Every Sunday, Monday, and Wednesday mornings at 10am from June 15 Aug. 13 will feature a favorite family flick for just $2! Popcorn and sodas are $2.50 as well. Finally, you can score 2 free tickets by visiting a participating American Family Insurance agent.

Regal Cinemas $1 Movies All summer long long you can see select PG movies for just $1 a ticket. Show times are Tuesdays & Wednesdays at 10am.

Studio Movie Grill: Their Summer Childrens Series is every weekday at 11 am. Like the rest, you get a family friendly film only $2 a ticket.

Showcase Cinemas: Their Bookworm Wednesdays allow kids to bring in a book report (6 and under dont need this) in exchange for free admission! The best I ever got for a book report was the promise of no more book reports.


You can also receive FREE MOVIE PASSES as well as Free Amusement Park Passes, Gift Cards, Meals, Concert & Sporting Event Tickets, Beer - if you donate blood at your local American Red Cross as well as other blood centers for complete info click link
http://www.fullofdeals.com/forums/free-stuff/1289688/

Restaurants & Entertainment Deals
g: 0 Posted By: ctgolfer
Views: 299 Replies: 0 use promo code: FATWALLET

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Used car purchase
Added on : Wednesday May 21st 2014 05:00:13 PM
g: 0 Posted By: southpaw0
Views: 201 Replies: 4 I have a friend who is buying a used car... a 2011 volvo t5 which is priced below its true market value. It is priced at about $11,000. I am wondering why its so low, and am wonding if an insurance claim for say hail damage amy have been filed pn it. It appears to be in excellent condition other than high mileage (100,000 miles).

Is there a way to find out if an insurance claim was filed on it through its VIN number? Would Carfax report show such claims? Thanks.
Question 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
Fidelity Account Frozen / Restricted
Added on : Saturday May 17th 2014 06:00:05 PM
g: 0 Posted By: Keysersoze617
Views: 143 Replies: 6 I've had a brokerage account with Fidelity for 8 years under a corporation that I own and just recently (within the last 2 weeks) opened up a personal account and transferred all the equities and cash to that account. Today I tried to activate my debit card tied to my Fidelity brokerage / cash account and the operator stated that Fidelity canceled the card. I thought that was strange so I contacted Fidelity to investigate the matter. After speaking with a customer rep, she informed me that Fidelity did indeed cancel the debit card, and not only that, basically froze my account. As of now, I am unable to buy or sell stocks / securities or write checks from the account. She did say that Fidelity will liquidate my securities, my kid's 529 College Plan and cut me a cashiers check and send me on my way.

She also informed me that a letter was sent out Friday notifying me that they are discontinuing service to my account. The letter states that they were recently notified by a industry reporting service of a public record involving me and my activities, and in light of this report they find it necessary to discontinue service to my account.

I have no idea what this could possibly be. The only thing that I can think of was that I recently sold a business and with those funds paid off 2 mortgages, some of which I wired out of my fidelity account. I also bought some precious metals and withdrew some cash ( under 10k) for a vacation i'm going on. I have moved a decent amount of cash around in the last 2 weeks. Would that set off some type of red flag?

​ I went and downloaded my credit report to see if something was on there and found a 10k tax lien, so I'm not sure if that set something off. Regardless of that I have a 800 credit score.

Has anyone experienced this with Fidelity or any other brokerage firm?
Investing Deals
First Trade Union Bank $10 a month for 5 monthly ACH, any amount.
Added on : Saturday May 17th 2014 10:00:15 AM
g: 0 Posted By: DWooley
Views: 221 Replies: 0 Start earning more from your checking account!
Earning more is important to you, which is why we give you more ways to earn money with First Trade.
For a limited time, get up to $50 with your FT Checking by setting up direct deposit!1
Here's how to get your $50:

Set up a qualified recurring direct deposit into your FT Checking account
Earn $10 a month for up to 5 months as a bonus into your account

Hurry this offer ends on 6/30/14! Setting up direct deposit is easy. Simply download our convenient direct deposit form, complete it and provide it to your employer or source of income.

1) Open a new FT Checking account by 6/30/14. Application must be submitted by 11:59 PM ET on 6/30/14 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to five (5) months for every month a qualifying recurring Direct Deposit greater than or equal to $100.00 is credited to the FT Checking account. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2014 - December 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to four (4) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for one (1) direct deposit bonus. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-INT. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for FT Checking accounts only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that received bonus payouts tied to direct deposit promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time. Rate tiers are as follows: 0.00% APY applies to balances of $0.01-$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) is accurate as of 5/17/2014.
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Free 1-year print subscription to Popular Photography - MM
Added on : Saturday May 17th 2014 09:00:08 AM
g: 0 Posted By: quilligan
Views: 96 Replies: 0 Free 1-year print subscription to Popular Photography

Famed for its comprehensive coverage of the latest equipment, inspiring images by leading photographers, in-depth how-to articles and authoritative test reports, Popular Photography and Imaging draws upon top professionals in the field to inform committed readers who are passionate about pictures.

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g: 0 Posted By: DWooley
Views: 11 Replies: 0 If you forgot to close the account from this promotion:
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
here is additional $50, check your email for details:

Start earning more from your checking account!
Earning more is important to you, which is why we give you more ways to earn money with First Trade.
For a limited time, get up to $50 with your FT Checking by setting up direct deposit!1
Here's how to get your $50:

Set up a qualified recurring direct deposit into your FT Checking account
Earn $10 a month for up to 5 months as a bonus into your account

Hurry this offer ends on 6/30/14! Setting up direct deposit is easy. Simply download our convenient direct deposit form, complete it and provide it to your employer or source of income.

1) Open a new FT Checking account by 6/30/14. Application must be submitted by 11:59 PM ET on 6/30/14 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to five (5) months for every month a qualifying recurring Direct Deposit greater than or equal to $100.00 is credited to the FT Checking account. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2014 - December 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to four (4) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for one (1) direct deposit bonus. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-INT. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for FT Checking accounts only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that received bonus payouts tied to direct deposit promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time. Rate tiers are as follows: 0.00% APY applies to balances of $0.01-$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) is accurate as of 5/17/2014.
Looking to get auto dealer license...any advice????
Added on : Friday May 16th 2014 05:00:06 PM
g: 0 Posted By: wagner03
Views: 0 Replies: 0 Hi,
I was looking to get a wholesale or retail dealer license thru one of the companies that advertise online, but have read conflicting reports about them.
who says its illegal, who says it isn't...etc. etc.

I am in New York, is it possible to get a dealer license (preferably a retail one) from another state? Indiana ? Florida? Arizona? Or some others?

i would consider a wholesale license, but I don't know anyone who can put the paperwork through. So I can sell it to a retail customer.

any advice is appreciated.
g: 0 Posted By: Xenocrates
Views: 13 Replies: 0 Coupon Code: FATWALLET

Maxim- $4.50 for a 1yr. Subscription - Up to 4 Years

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g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 Product Features:
Multifunctional design: alarm clock, radio and weather radio
Receive FM, AM, seven NOAA weather channels and Skywarn reports
Digital SAME (Specific Area Message Encoding) technology
Hear Skywarn weather reports minutes before severe weather is repeated on NOAA WX radio stations
Preloaded FIPS codes make it easy to program for your area
Sixteen alert volume levels
Separate daytime and night time alert volume settings
Different color LEDs indicate if the alert is a warning (red), watch (orange) or advisory (yellow)
Alert reminder lets you know if you've missed an incoming transmission
Alert notifications display as text and can sound as tone or tone with voice
Auxiliary input enables you to play an MP3 player or other device through the radio speakers
Dual alarm clock can be set for two people to wake up at different times
Choose an alarm to wake you up: FM, AM or alarm tone
Battery indicators
60-hour battery backup
Bilingual display: English or Spanish

What You Get:
RadioShack All Hazards Weather Alert Clock Radio with Skywarn
BNC-to-Phono Adapter
AC Adapter
User Manual

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Electronics Deals
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
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
g: 6 Posted By: helloimalbert
Views: 1164 Replies: 18 https://creditcards.citicards.com/usc/Travel/AA/2013/q3/Exec/GA/default.htm?BT_TX=1&ProspectID=8289431BF5BC49478648B92A43DF07A8


Probably a repost but as pointed out all over BoardingArea.com and TheRewardBoss.com this card is churnable, which means you can get the bonus over and over again by simply applying for the same card over and over again. The easiest way to hit this spend is sending PayPal to your friends and family for $10,000 using the credit card and eating the 2.9% fee. The math comes out to $290 (2.9% fee on 10k spend) + $250 annual fee = $540 that you are paying to buy 110,000 AA miles.

There are reports on flyertalk that some have received bonuses for their 4th card and are working on their 5th cards. This is an offer not to be missed. If this is a repost, I think it should stay anyway because of the churnable perk that may not have been previously pointed out.

Earn 100,000American Airlines AAdvantage=12px
bonus milesafter you make $10,000 in purchases within
3 months of account opening.=11px2Plus, earn up to$200 in statement credits- earn $1 in statement credits for each $1 spent on purchases within the first 12 months of cardmembership.=11px3Enjoy these VIP benefits for an annual fee of $450*More Luxury. More Privileges

Amazing travel benefits await you:

Admirals Club=11pxMembership Privileges
(a value of up to $500)=11px4
Earn up to 10,000 Elite Qualifying Milesper calendar year=11px5
No Foreign Purchase Fees*
Enhanced Airport Experiencewith dedicated check-in and priority screening and boarding=11px6
First Checked Bag Free=11px+

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g: 2 Posted By: helloimalbert
Views: 365 Replies: 2 https://creditcards.citicards.com/usc/Travel/AA/2013/q3/Exec/GA/default.htm?BT_TX=1&ProspectID=8289431BF5BC49478648B92A43DF07A8


Probably a repost but as pointed out all over BoardingArea.com and TheRewardBoss.com this card is churnable, which means you can get the bonus over and over again by simply applying for the same card over and over again. The easiest way to hit this spend is sending PayPal to your friends and family for $10,000 using the credit card and eating the 2.7% fee. The math comes out to $270 (2.7% fee on 10k spend) + $250 annual fee = $520 that you are paying to buy 110,000 AA miles.

There are reports on flyertalk that some have received bonuses for their 4th card and are working on their 5th cards. This is an offer not to be missed. If this is a repost, I think it should stay anyway because of the churnable perk that may not have been previously pointed out.

Earn 100,000American Airlines AAdvantage=12px
bonus milesafter you make $10,000 in purchases within
3 months of account opening.=11px2Plus, earn up to$200 in statement credits- earn $1 in statement credits for each $1 spent on purchases within the first 12 months of cardmembership.=11px3Enjoy these VIP benefits for an annual fee of $450*More Luxury. More Privileges

Amazing travel benefits await you:

Admirals Club=11pxMembership Privileges
(a value of up to $500)=11px4
Earn up to 10,000 Elite Qualifying Milesper calendar year=11px5
No Foreign Purchase Fees*
Enhanced Airport Experiencewith dedicated check-in and priority screening and boarding=11px6
First Checked Bag Free=11px+

Services Deals
SBA Loan Default and Settlement Offer
Added on : Tuesday May 13th 2014 07:00:14 PM
g: 0 Posted By: HelpAll
Views: 43 Replies: 0 Purchased a small business with $150K SBA bank loan.
Business was closed in 2 years due to client loss with principle balance of $130K
Bank took default judgement and agreed to forgo remaining interest and attorney fees if principle balance is paid in full.
Submitted OIC for principle balance.
Received below e-mail from bank

"Bank (and the SBA) have agreed to settle the above matter for $130K provided said moneys are paid within 15 days.Your check(s) must be made payable to Attorney Trust Account. Once the check(s) clear, I will discharge the liens on the property and file a Warrant To Satisfy the Judgment."

For credit report: Can bank report loan as principle paid in full?
Would appreciate guidance on what best can be done to protect credit history, any expert tips or suggestions from those who have been through similar circumstances.

New User Question Deals
g: 0 Posted By: FatWallette
Views: 181 Replies: 0
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g: 0 Posted By: ebestbuy
Views: 28 Replies: 1 I dropped the rent in the Drop Box on 5/1 and it was stolen, altered the payee name and deposited in Capitol one bank.
I came to know just today from my apt- rent due letter.
I filed the case with my bank and they said it was already payed to Capitol one and will take 90 days to get anything back to me.
My apt says I need to pay the rent again asap.
3questions:
1.can I call Capitol one bank and mention your customer stolen the check andforged and deposited in your bank ??
2.Do I need to file a police report aswell?
3. Is apt. responsible at all and if so, how should I proceed if they ask me to pay rent by next week or so.
any advice is appreciated.
Question Deals
How do I find out my credit NUMBER SCORE?
Added on : Wednesday May 07th 2014 06:00:10 PM
g: 0 Posted By: SyZpuzzler
Views: 17 Replies: 0 Hi, first time poster

I'm curious how to check my actual credit NUMBER SCORE; I used one of the big 3 on annualcreditreport.com and I got a 27 page report with everything on it, but there's no actual score (the 300-850 #)

Where would I actually get this?

Thanks
Question Deals
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00G48HI9S

Now with new and improved easy to read format and over 90 adaptable recipes plus a full Shopping Guide! All to help you cook and feed your family additive and preservative free foods for better health and behavior!

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Simply download to your favorite smart device and it is there as a quick handy reference ready to use at home or on the go when in the grocery store! No label reading required!

Eating additive and preservative pre-packaged foods is getting difficult with misleading packaging and confusing labels. However, more and more families want to know what is in their foods but don't always have the time to read labels.

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Superfoods for the Brain - 102 Nutrient Rich Foods To Strengthen Your Mind & Improve Your Memory
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˃˃˃ 102 Superfoods to improve your health and brain function
In this guide you will find the best foods for heart and brain health that will help you feel and look younger & more energetic. Eating healthy, nutritious foods is the best way to improve your heart and brain health - but, most people don't know what foods are healthy.

Here' we cut through all the confusion. In this report you will find each food broken into a superfood list, for ...

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Applying for CC while under credit fraud alert
Added on : Wednesday May 07th 2014 04:00:12 AM
g: 0 Posted By: RobL
Views: 8 Replies: 0 So I was one of the victims this year of widespreadfraudulent tax fillings. The thieves got my SSI and filed fraudulent returns. Fortunately my state detected the fraud and blocked transfer of the refund. I'm still working on getting my actual refund and filed paper returns and an identitiy theft attestation to the Feds. A knowledgeable official at the state tax dept said so far this group appears to just concentrate on tax fraud and there have not been attempts to fraudulently apply for credit cards. But as a recommended precaution I put a fraud alert with all three credit agentcies. Now I would like to get the 60,000 bonus with the INK Bold card. I'm not sure exactly what will happen if I apply. Will I be personally contacted because of the fraud alert? Would it be better to apply by phone?
g: 0 Posted By: remick
Views: 94 Replies: 1 http://www.freepreview.tv/showtime/free-preview-of-showtime-for-...

Good news! The free preview of Showtime that I reported DirecTV getting last month is also going to be shown on AT&T, Cable One, Century Link, Comcast, Cox, Dish, Mediacom, RCN, and Verizon.
Check the listing here to see exactly what Showtime programming youll be getting. Some providers are only showing Showtime while others are including On Demand and Showtime Anytime.
This free preview of Showtime is to promote the series premiere of Penny Dreadful. Django Unchained, Silver Linings Playbook, and The Impossible are a few of the movies playing.
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g: 0 Posted By: FatWallette
Views: 107 Replies: 0
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g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00BLQJIZA

4.8 out of 5 stars (6 customer reviews)

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Data Breaches from "Unnamed Retailers" Remain HIdden
Added on : Monday May 05th 2014 05:00:08 PM
g: 0 Posted By: web1b
Views: 38 Replies: 0 Back when then Target an Neiman Marcus and later, Michaels were reported to have had credit card data stolen, it was also reported that others were also breached but these other retailers have elected to keep it secret.
Even Target was planning to hide it until it was disclosed by a security blogger, the press found out an they were then forced to announce it.
http://www.reuters.com/article/2014/01/12/us-target-databreach-r...

How is this allowed to happen?
[L=http://www.reuters.com/article/2014/01/12/us-target-databreach-r... said: http://www.reuters.com/article/2014/01/12/us-target-databreach-retailers-idUSBREA0B01720140112]DELAYED[/L] DISCLOSURE

Retailers are often reluctant to report breaches out of concern it could hurt their businesses.

Is that really a good enough excuse?

Isn't there some point where they must let their customers know what happened and that their credit card info is at risk?
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g: 8 Posted By: MISTERCHEAP
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g: 0 Posted By: ctgolfer
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Mortgage rate shopping - multiple pre-approval letters recommended?
Added on : Saturday May 03rd 2014 03:00:05 PM
g: 0 Posted By: pocketwallet
Views: 236 Replies: 4 My wife and I are looking to buy a home this year and since it'll be our first place I am trying to learn the fatwallet way!

We have not found a house yet but want to map out the best steps. The housing market is very much a seller's market where we live and we need your wisdom.

1. Should I get pre-approval letters from several potential lenders while I search a house? (I went to one local credit union and about 5 days later, at a large bank and got pre-approval letters from both -- I think both pulled credit reports. Should I go to more?)
2. When and how do I shop for best mortgage rates? (After we found a house and put in an offer?)


Thank you!

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Cash gift from overseas to pay for house?
Added on : Saturday May 03rd 2014 03:00:04 PM
g: -1 Posted By: pocketwallet
Views: 198 Replies: 3 My wife and I are looking for a house to buy.

Our oversea family members from both my wife's and my side want to help with cash gifts (we are very grateful!).
I prefer not to have report this on our tax returns. What's our best way / limit to minimize our tax liability?

Method 1:
For the purpose of the calculation let's assume the purchase price would be $700,000
According to this IRS document (http://www.irs.gov/Businesses/Gifts-from-Foreign-Person),cash gifts from related foreign persons totaling less than $100,000 do not need to be reported on Form 3520. I am wondering if the threshold is PER GIFTEE PER YEAR PER RELATED GIFTER. Does the following scenario work if my wife and I file joint tax returns? (Do my wife's parents and my parents not count as related as assumed below?)

Year 1: Husband's overseas family give husband $90,000 + Husband's overseas family give wife $90,000 + Wife's overseas parents give husband $90,000 + Wife's overseas parents give wife $90,000 = $360,000
Year 2: same as year 1 = $360,000

(note I've read this thread, but that was for a single overseas parent to a single US-person.)

Method 2:
Another way I can think of is to set up a loan with our families with a small, reasonable rate (2-3%?). We can pay them back and claim the interest payment on our tax returns.

Thank you very much.

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Mortgage rate shopping
Added on : Saturday May 03rd 2014 02:00:10 PM
g: 0 Posted By: pocketwallet
Views: 85 Replies: 2 My wife and I are looking to buy a home this year and since it'll be our first place I am trying to learn the fatwallet way!

We have not found a house yet but want to map out the best steps. The housing market is very much a seller's market where we live and we need your wisdom.

1. Should I get pre-approval letters from several potential lenders while I search a house? (I went to one local credit union and about 5 days later, at a large bank and got pre-approval letters from both -- I think both pulled credit reports. Should I go to more?)
2. When and how do I shop for best mortgage rates? (After we found a house and put in an offer?)


Thank you!

Real Estate 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.





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g: -1 Posted By: tedhawkins
Views: 228 Replies: 0 Apad 7-inch android 4.2 Dual-Core, Dual Camera Kids Tablet with Free Cloud Parental Control Service $99.99 FS w/code Amazon

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S&P: ACA could save large companies $700b
Added on : Thursday May 01st 2014 12:00:07 AM
g: 0 Posted By: tuphat
Views: 15 Replies: 0 From Standard & Poors' Global Market Intelligence. Excerpt below, full report attached.

Overview
By shifting insurance responsibility to the employee, the ACA presents an opportunity for
U.S. companies to radically redefine the role they play in the health care system.

Using its proprietary model, S&P Capital IQ Global Market Intelligence estimates that the
Affordable Care Act could save S&P 500 companies nearly $700 billion through 2025.

These potential savings represent about 4% of the S&P 500's current market capitalization.

For U.S. companies with 50 or more employees, total savings to businesses could amount to
$3.25 trillion through 2025.

According to model estimates, employers are set to benefit the most as the government takes
on a larger funding role.
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g: 0 Posted By: Xenocrates
Views: 86 Replies: 0 DiscountMags Daily Deal

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10 Free Kindle Books on Nurse's Medical Assistant Education Exams
Added on : Tuesday April 29th 2014 01:00:03 AM
g: 7 Posted By: remick
Views: 1441 Replies: 2 Director of Staff Development DSD: The Nurse Educator
http://www.amazon.com/gp/product/B00EBSRHLW

This is an ideal textbook to teach nurses who are taking the credentialing requirements to work as the Director of Staff Development of a Healthcare Facility or who wish to teach nursing students or nurse assistant students. The topics covered include: The advantages and challenges of being a nurse educator, maximizing the learning experience of adult learners, curriculum development, curriculum implementation, time management in the class, course evaluations, lesson plans, adapting to different Target audience and personality traits of students. In all the chapters, the principles of adult learning are projected.



IV Therapy and Blood Withdrawal Review Questions
http://www.amazon.com/gp/product/B00EBNSCO8/

IV Therapy & Blood Withdrawal Review Questions is a bank of more than 600 review questions written out of the desire to provide a quality, but concise review book for nurses taking the Intravenous Therapy & Blood Withdrawal course. Questions were constructed from all the areas of study including introduction to IV therapy, pediatric IV therapy, geriatric IV therapy, starting an IV, preparing bag and tubing, transfusions and blood draw skills .This book is divided into Part One and Part Two. Part One focuses on IV therapy questions while Part Two focuses on Blood draw skills. One of the purposes of this book is to enhance proper knowledge of these vital subjects among new grad nurses and old nurses returning to work.



CNA Exam Prep (Exam Prep Series)
http://www.amazon.com/gp/product/B00EB2183G

CNA Exam Prep is a bank of more than 400 practice test questions for nurse assistants. Questions were chosen from different areas of nursing care to enhance comprehensive review.



Surgical Technologist Certifying Exam Review Questions (Exam Prep)
http://www.amazon.com/gp/product/B00EBMEFU4

This exam review questions' book is a compilation of more than 500 questions ranging from ethical issues, anatomy and physiology, surgical asepsis, to patient care during surgery. A thorough review of these questions will prepare the surgical technician to sit for the national certifying exam.



Phlebotomy Test Prep Volume One
http://www.amazon.com/gp/product/B00EBSOMRE

This book is a test questions bank of more than 450 practice questions. It was written out of the desire to provide a quality, but concise review book for phlebotomy technicians. Questions were constructed from all the areas of study in the phlebotomy curriculum ranging from communication skills to pre, intra and post analytical procedures. Constant revision of the questions will help the student to master the contents in preparation for the phlebotomy certification exam.



Workbook for The Home Health Aide Textbook (Exam Prep)
http://www.amazon.com/Workbook-Home-Health-Aide-Textbook-ebook/d...

The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This book accompanies The Home Health Aide Textbook which provides the necessary information for home health aides and caregivers to care for clients in their homes.



Medical Assistant Certification Study Guide Volume 1: Medical Assistant Exam Book
http://www.amazon.com/Medical-Assistant-Certification-Study-Guid...

Medical Assistant Certification Study Guide Volume 1 covers the basic responsibilities of the clinical medical assistant, as well as EKG. Volume 2 covers the remaining responsibilities of the medical assistant plus phlebotomy.



Patient Care Technician Certification Exam Review Questions (Exam Prep)
http://www.amazon.com/Patient-Technician-Certification-Review-Qu...

This book is a compilation of more than 800 questions ranging from basic nursing care, EKG, Phlebotomy, career development and professional ethics questions to help patient care technician students challenge their certification exams.
Patient Care Technicians can simply be said to be a combination of nurse assistants and medical assistants because they perform the duties of nurse assistants as well as the duties of medical assistants. They work under the supervision of nursing or medical staff to provide basic patient care which may include the following:
recording vital signs, height, weight, input output, collect and test specimens, report and record patient conditions and patient treatments.
-Helping patients with nutritional needs; check and deliver food trays, assist with feeding the patient when necessary, and refilling water and ice.
-Assist patients with their mobility ;turning and positioning, do range of motion exercises, transferring patients to and from wheelchair, assist with ambulation.



Choosing a Healthcare Career
http://www.amazon.com/gp/product/B00EBOP8EE

As the owner of two healthcare educational institutions, I often come in contact with anxiety-filled faces of individuals who really would like to become healthcare professionals but do not know which career to choose. I have seen many cases of individuals switching from one course to another and later settling for the third course where they think they have found their nitch. In one case, I had a student who wanted to draw blood but fainted during the introductory video on phlebotomy. She turned blue and passed out because she saw blood in the TV! I advised her to change her course. This book has been written as an informational material for individuals choosing to start with the entry level healthcare courses. I purposely left out the more advanced courses. A couple of entry-level healthcare courses such as the Nurse Assistant, Home Health Aide, EKG Technician, and more have been explained in this book to aid the prospective healthcare professional in making an informed choice while considering their personal strengths and weaknesses. It is best to have a career that gives one fulfillment, not just a job to pay ones bills.



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The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This books provides the necessary information for home health aides and caregivers to care for clients in their homes.
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American Pension Services Receivership
Added on : Monday April 28th 2014 10:00:08 AM
g: 0 Posted By: AbbaZabba
Views: 179 Replies: 2 Well I just opened a self-directed IRA with them less than a month ago and transfered in some funds from Fidelity. I had not invested them yet, and I got an email this morning.
email said: Dear American Pension Services Customer: We write to you with an important update regarding American Pension Services ("APS") and your account at APS. On April 24, 2014, the United States Securities and Exchange Commission ("SEC") filed a lawsuit against APS and its principal, Curtis DeYoung. The case is called Securities and Exchange Commission v. American Pension Services and Curtis L. DeYoung, Dist. Utah Case No. 2:14-cv-00309. The SEC alleges that APS has violated U.S. securities laws through the misappropriation of customer funds, the placement of unauthorized investments, forged direction letters, and inflated asset values. At the request of the SEC, the U.S. District Court in Salt Lake placed APS in receivership. The Court has appointed a Receiver with the full power and authority over all APS operations. The Receiver reports directly to the Court. To assist in that process, the Court has ordered frozen all APS accounts. As the Receiver, we have been charged with the responsibility of gathering and preserving all of the assets of American Pension Services, which includes any accounts and assets you have with American Pension Services. Our intent at this time is to safely secure all assets and accounts. As a result, we are freezing all accounts. This means that for a short period of time, you will not be able to change investments within your account or withdraw money from your account. We will make an effort to lift this restriction as soon as possible under the circumstances. We ask that you please be patient as we undertake this process. The next Court hearing will likely be scheduled for early May. At that time, the Court will consider whether the receivership should become permanent. We should be able to provide more guidance after the hearing. We know that you have many questions and we appreciate your patience at this time. We will keep you advised of any action required on your part and will keep you up to date as frequently as possible. We have set up a receivership website at http://www.apsreceiver.com, which will be our primary way of communicating with you. It contains a detailed set of answers to Frequently Asked Questions ("FAQs") and has the Court documents from the SEC's case. A copy of the FAQs also is attached. Again, we appreciate your patience and will post updates as the case progresses. If you are not the contact person for your account or plan, please forward to us the name and information for the current contact person by email to info@apsreceiver.com.

Very truly yours, Diane Thompson Receiver, American Pension Services


Frequently Asked Questions

Question: Is APS still in business? Answer: Yes. But its operations are controlled by the Court through the Receiver, at least until the next scheduled court hearing. As a result, temporary limitations on APS and its operations have been put in place to protect account holders.

Question: Is any money missing from APS accounts? Answer: Maybe. The SEC's papers filed with the Court indicate that the SEC has reason to conclude that over $20 million is missing out of $300 million under management. You can read more about this in the SEC's pleadings, which are posted to the receivership website. The defendants in the litigation have a right to contest the SEC's conclusions. Ultimately, the Court will determine what money, if any, is missing.

Question: Could any new funds be lost? Answer: No, so long as they were located in APS bank accounts that have been frozen by the Court's Order. As part of the Court's appointment of a Receiver, such accounts are now protected against improper withdrawals.

Question: Can I make a new withdrawal from my account prior to the next Court hearing? Answer: No. The Court has determined that no new withdrawals can occur, at least until the next hearing. This is to protect the interests of all account holders.

Question: I don't want to make a new withdrawal, but I am owed a scheduled automatic distribution. Will this still occur? Answer: Probably not. We will be assessing any scheduled automatic distributions. We can only authorize those if permitted by Court Order. We realize they are an important matter for many account-holders. They will be addressed as soon as possible, consistent the terms of the Court's Orders in this matter.

Question: I want to sell an asset in my account (such as stock, gold, or property). Can I do that prior to the next Court hearing? Answer: No. No sales of assets can occur at this time.

Question: I want to purchase an asset with the money in my account (such as stock, gold, or property). Can I do that prior to the next Court hearing? Answer: No. No new purchases can occur until the next Court hearing absent extraordinary circumstances.

Question: Why is the APS website not working? Answer: The website may be unavailable at times over the course of the next week due to the ongoing investigation. We apologize for the inconvenience this will cause. We will strive to have the website operational as soon as possible

Question: Why cannot I get through on the phones and/or get a response to my email? Answer: We are working hard to get the Court the information it needs. That is the first step in protecting APS account holders. Because this is our first task, we are unable at this time to respond to all of the inquiries we receive. Please be patient. We will be able to respond to inquiries more efficiently once we have completed the initial steps we need to take to protect account holders.



Anything FWF I should do to try and hopefully come out of this whole? It seems this is a reasonably big company with 30 years in the business. Everything seemed very professional setting it up. Their site is down so I can't login or see any info on there.
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g: 1 Posted By: remick
Views: 298 Replies: 1 Director of Staff Development DSD: The Nurse Educator
http://www.amazon.com/gp/product/B00EBSRHLW

This is an ideal textbook to teach nurses who are taking the credentialing requirements to work as the Director of Staff Development of a Healthcare Facility or who wish to teach nursing students or nurse assistant students. The topics covered include: The advantages and challenges of being a nurse educator, maximizing the learning experience of adult learners, curriculum development, curriculum implementation, time management in the class, course evaluations, lesson plans, adapting to different Target audience and personality traits of students. In all the chapters, the principles of adult learning are projected.



IV Therapy and Blood Withdrawal Review Questions
http://www.amazon.com/gp/product/B00EBNSCO8/

IV Therapy & Blood Withdrawal Review Questions is a bank of more than 600 review questions written out of the desire to provide a quality, but concise review book for nurses taking the Intravenous Therapy & Blood Withdrawal course. Questions were constructed from all the areas of study including introduction to IV therapy, pediatric IV therapy, geriatric IV therapy, starting an IV, preparing bag and tubing, transfusions and blood draw skills .This book is divided into Part One and Part Two. Part One focuses on IV therapy questions while Part Two focuses on Blood draw skills. One of the purposes of this book is to enhance proper knowledge of these vital subjects among new grad nurses and old nurses returning to work.



CNA Exam Prep (Exam Prep Series)
http://www.amazon.com/gp/product/B00EB2183G

CNA Exam Prep is a bank of more than 400 practice test questions for nurse assistants. Questions were chosen from different areas of nursing care to enhance comprehensive review.



Surgical Technologist Certifying Exam Review Questions (Exam Prep)
http://www.amazon.com/gp/product/B00EBMEFU4

This exam review questions' book is a compilation of more than 500 questions ranging from ethical issues, anatomy and physiology, surgical asepsis, to patient care during surgery. A thorough review of these questions will prepare the surgical technician to sit for the national certifying exam.



Phlebotomy Test Prep Volume One
http://www.amazon.com/gp/product/B00EBSOMRE

This book is a test questions bank of more than 450 practice questions. It was written out of the desire to provide a quality, but concise review book for phlebotomy technicians. Questions were constructed from all the areas of study in the phlebotomy curriculum ranging from communication skills to pre, intra and post analytical procedures. Constant revision of the questions will help the student to master the contents in preparation for the phlebotomy certification exam.



Workbook for The Home Health Aide Textbook (Exam Prep)
http://www.amazon.com/Workbook-Home-Health-Aide-Textbook-ebook/d...

The purpose and goal of home care is to provide an adequate level of care in a cost-effective manner while promoting rehabilitation of the patient in a familiar environment like their homes. This book accompanies The Home Health Aide Textbook which provides the necessary information for home health aides and caregivers to care for clients in their homes.



Medical Assistant Certification Study Guide Volume 1: Medical Assistant Exam Book
http://www.amazon.com/Medical-Assistant-Certification-Study-Guid...

Medical Assistant Certification Study Guide Volume 1 covers the basic responsibilities of the clinical medical assistant, as well as EKG. Volume 2 covers the remaining responsibilities of the medical assistant plus phlebotomy.



Patient Care Technician Certification Exam Review Questions (Exam Prep)
http://www.amazon.com/Patient-Technician-Certification-Review-Qu...

This book is a compilation of more than 800 questions ranging from basic nursing care, EKG, Phlebotomy, career development and professional ethics questions to help patient care technician students challenge their certification exams.
Patient Care Technicians can simply be said to be a combination of nurse assistants and medical assistants because they perform the duties of nurse assistants as well as the duties of medical assistants. They work under the supervision of nursing or medical staff to provide basic patient care which may include the following:
recording vital signs, height, weight, input output, collect and test specimens, report and record patient conditions and patient treatments.
-Helping patients with nutritional needs; check and deliver food trays, assist with feeding the patient when necessary, and refilling water and ice.
-Assist patients with their mobility ;turning and positioning, do range of motion exercises, transferring patients to and from wheelchair, assist with ambulation.



Choosing a Healthcare Career
http://www.amazon.com/gp/product/B00EBOP8EE

As the owner of two healthcare educational institutions, I often come in contact with anxiety-filled faces of individuals who really would like to become healthcare professionals but do not know which career to choose. I have seen many cases of individuals switching from one course to another and later settling for the third course where they think they have found their nitch. In one case, I had a student who wanted to draw blood but fainted during the introductory video on phlebotomy. She turned blue and passed out because she saw blood in the TV! I advised her to change her course. This book has been written as an informational material for individuals choosing to start with the entry level healthcare courses. I purposely left out the more advanced courses. A couple of entry-level healthcare courses such as the Nurse Assistant, Home Health Aide, EKG Technician, and more have been explained in this book to aid the prospective healthcare professional in making an informed choice while considering their personal strengths and weaknesses. It is best to have a career that gives one fulfillment, not just a job to pay ones bills.

Books Deals

Amazon Coupons
German Car Rental Agency Debt Collection
Added on : Monday April 28th 2014 06:00:07 AM
g: 1 Posted By: feuertier
Views: 202 Replies: 6 TLDNR:
What can I do if a debt collector is on my back for alleged damage to a foreign rental vehicle?

Details:
I rented a car in 2012 while in Germany. After I returned to the USA, they apparently sent me multiple claims that I owed them USD 700 for engine damage, claiming the Diesel car was filled with non-Diesel fuel. I recently found this out because a USA-based debt collector contacted me telling me to pay, and I used the Consumer Financial Protection Bureau "needs more information" template to request more information (within the initial 30 days). According to their own documentation, the rental agency sent me two letters in German, then three letters in English. I remember the letters, because, after opening the first German letters (which I couldn't comprehend, and didn't think were important), I just threw everything away as they came, thinking I got on some (accidental?) mailing list. After the initial request for more information, it took me time to try and dig up old travel receipts and research, and the debt collection agency has sent me another letter telling me to respond in 10 days.

I have a single receipt from the trip showing I paid for Diesel at one gas station. However, I do not have the receipt for the gas station in the city I returned it in. Accidents happen, but I've traveled in Germany before, and I think it is unlikely I made this kind of mistake. However, I can't prove it. I really don't want to pay USD 700 to end it, but I am concerned about if this can be reported to credit agencies or cause me other problems if I officially dispute it or ignore it. I would be willing to settle, if it looks like they can give me a lot of grief and eat up a lot of my time trying to fix things.

Has anyone else had a similar state-side or foreign situation? How did it get resolved? What would you advise?

Edit: Unfamiliar with how to stop the links.
Personal Finance Deals
g: 0 Posted By: MrsGuin
Views: 209 Replies: 1 Use coupon code shareport25 in cart for price & FS
http://www.dlinkshop.com/store?Action=DisplayProductDetailsPage&SiteID=dlink&CallingPageID=HomePage&ProductID=254181300
Electronics Deals
Comcast pulled credit without permission (UPDATE 4-24-14)
Added on : Thursday April 24th 2014 04:01:41 AM
g: 2 Posted By: newlin99
Views: 119 Replies: 6 Here is an update to this thread:http://www.fullofdeals.com/forums/finance/1210791/

Wanted to give everyone an update on the proceedings and get some feedback:

1. Signed up for comcast, asking to pay deposit instead of credit pull
2. Comcast took deposit and still pulled credit
3. Filed federal lawsuit
-------------------------------------------------------------------------------
Transcript with comcast employee:

Atul kumar
Comcast has recently adopted stricker [sic] Federal guidelines to protect our
customers from Identity theft. In order for me to create your Comcast account,
Im required to do a Credit Check. May I have the following information in order
to process a credit check. Your complete Social Security Number?

Guest
on your website it says that I can pay a deposit of $50 and not have a credit check
performed. I would like to do this

Atul kumar
Ok

Atul kumar
Please allow me few moment.
---------------------------------------------------------------------------------
Comcast Credit Policy
A credit check and/or deposit is required for new customers (and customers with
less than six (6) months of payment history) who lease more valuable Comcast
equipment or request Comcast Digital Voice services with a new phone number.
If you select a credit check, you may also be asked to pay a partial deposit. If you
do not want a credit check, you may choose to pay the full deposit.
----------------------------------------------------------------------------------
Judges abbreviated ruling

"Despite the language on the website, the communication between the Plaintiff and the
Comcast representative provides no clear indication that Comcast actually agreed that it would
not request a consumer report if the Plaintiff paid $50. Although the evidence shows that the
Plaintiff reasonably believed that Comcast would not inquire about his credit, it is insufficient to
show that Comcast actually agreed to these terms."

"There is no indication in the current record that the Plaintiff definitively and expressly indicated
to Comcast up front that he would only agree to obtain its services if the credit report
requirement was waived."

"Although Comcasts response arguably suggested that no credit check would be
performed, the factual record is too slight..."
-----------------------------------------------------------------------


Any suggestions going forward?

Personal Finance Deals
g: 0 Posted By: FatWallette
Views: 218 Replies: 0
Book a flight + Universal Orlando® Resort Hotel vacation package and save up to 30% on your hotel stay  Book 4/22-10/28Book a flight + Wynn Las Vegas or Encore hotel vacation package of two or more nights, and get up to a $200 resort credit  Book 4/22-5/12More Offers from Southwest Airlines Vacations
1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
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Target offering Credit Monitoring Free for 1 year
Added on : Monday April 21st 2014 08:00:06 PM
g: 0 Posted By: dontemailmepeep
Views: 302 Replies: 0 Get validation code by 4/23/14 and activate by 4/30/14
See below for info!

Last week, Target announced that we would offer one year of free credit monitoring and identity theft protection to all Target guests who shopped U.S. stores, to provide an added safeguard following the recent data breach.

After a thorough review of options, Target has chosen ProtectMyID, provided by Experiana leading global information services company that helps individuals understand and keep track of their credit reports, as well as monitor for and resolve identity theft. Request an activation code before April 23, 2014 and then register for the offer through ProtectMyID before April 30, 2014.

In addition to a complimentary copy of their credit report, guests who sign up will receive daily credit monitoring, identity theft insurance (except where prohibited by law), and have access to personalized assistance from a highly trained Fraud Resolution Agent. Access to the Fraud Resolution Agent will continue even after other benefits of the initial one-year ProtectMyID membership expire. After 12 months, those who register have the option to continue their memberships at their own expense.

This ProtectMyID package includes the necessary tools guests need for credit monitoring and identity theft protection. It does not include Experian credit score or reports from Equifax and TransUnion. When visiting the enrollment site, guests will have the option to purchase these additional products at their own expense if they choose, but are not required to purchase a credit score to receive the benefits of credit monitoring and identity theft protection.



How to Enroll

Enrolling online is fast, secure, easy and accessible at any time. Here's how to register:

Visit creditmonitoring.Target.com to request an activation code. Guests will be required to submit their name and an email address. After submitting their information, Target will email guests within 72 hours with their unique activation code and directions for how to enroll in ProtectMyID. Guests should look for this email and check that it does not end up in a junk mailbox. Emails collected during this process will only be used for the purpose of sending an activation code for free credit monitoring.
Totally Free Deals
Target offering Credit Monitoring Free for 1 year
Added on : Monday April 21st 2014 07:00:05 PM
g: 0 Posted By: dontemailmepeep
Views: 179 Replies: 0 Get validation code by 4/23/14 and activate by 4/30/14
See below for info!

Last week, Target announced that we would offer one year of free credit monitoring and identity theft protection to all Target guests who shopped U.S. stores, to provide an added safeguard following the recent data breach.

After a thorough review of options, Target has chosen ProtectMyID, provided by Experiana leading global information services company that helps individuals understand and keep track of their credit reports, as well as monitor for and resolve identity theft. Request an activation code before April 23, 2014 and then register for the offer through ProtectMyID before April 30, 2014.

In addition to a complimentary copy of their credit report, guests who sign up will receive daily credit monitoring, identity theft insurance (except where prohibited by law), and have access to personalized assistance from a highly trained Fraud Resolution Agent. Access to the Fraud Resolution Agent will continue even after other benefits of the initial one-year ProtectMyID membership expire. After 12 months, those who register have the option to continue their memberships at their own expense.

This ProtectMyID package includes the necessary tools guests need for credit monitoring and identity theft protection. It does not include Experian credit score or reports from Equifax and TransUnion. When visiting the enrollment site, guests will have the option to purchase these additional products at their own expense if they choose, but are not required to purchase a credit score to receive the benefits of credit monitoring and identity theft protection.



How to Enroll

Enrolling online is fast, secure, easy and accessible at any time. Here's how to register:

Visit creditmonitoring.Target.com to request an activation code. Guests will be required to submit their name and an email address. After submitting their information, Target will email guests within 72 hours with their unique activation code and directions for how to enroll in ProtectMyID. Guests should look for this email and check that it does not end up in a junk mailbox. Emails collected during this process will only be used for the purpose of sending an activation code for free credit monitoring.
Totally Free Deals
g: 2 Posted By: kldavis4
Views: 409 Replies: 2 Novaform 14" Serafina Gel Memory Foam Mattressesare $150 off through 5/4/14 while supplies last. These mattresses were highly rated in Consumer Reports. We recently purchased the queen for $800 and are very happy with it after several weeks. We had to order online as the Serafina model was not available in store.


Bedding Deals
g: 0 Posted By: kldavis4
Views: 0 Replies: 0 Novaform 14" Serafina Gel Memory Foam Mattressesare $150 off through 5/4/14 while supplies last. This mattress was highly rated in Consumer Reports. We recently purchased the queen for $800 and are very happy with it after several weeks. We had to order online as the Serafina model was not available in store.

Deadbeat tenants? What can I do?
Added on : Saturday April 19th 2014 05:00:05 PM
g: 0 Posted By: sirthor
Views: 45 Replies: 2 I have a rental home, only property I have. We have a tenant who is in the home currently, she does not pay rent per the lease. We make rent due on the 1st on the month but must be paid by the 10th. She has been late several months, and tries to make several partial rent payments through out the month. I plan on evicting her, she is late on the rent and on paying back on the electric bill she stuck me with due to her not changing the utilities over for the first two months.


Is there anyway to "tarnish" her record for poor Payments? Could this be reported to a credit bureau somehow as bad debt on her part? I am just tired of dealing with deadbeat renters, and people not paying the rent on time. The home is in Kentucky, if that makes a difference.

Does anyone have any pointers on what to do in this type of situation
General Economics Deals
Starbucks - 1 Free Rewards Star YMMV
Added on : Saturday April 19th 2014 09:00:04 AM
g: 0 Posted By: remick
Views: 214 Replies: 2 https://www.starbucks.com/account/signin

Login and enter the contest at the bottom "Cups and Material Page".


YMMV - some report getting a star and some report having to make a purchase
Totally Free Deals
Free - MailWasher Pro for iOS and Android
Added on : Saturday April 19th 2014 09:00:03 AM
g: 0 Posted By: remick
Views: 158 Replies: 0 http://www.windowsdeal.com/w/mailwasher-pro-discount-coupon/

Receiving spam is like those telemarketers who call at dinner time, completely annoying and you didnt ask for it. Luckily you can stop this now! Now with free Android, iPhone and iPad version!

Install MailWasher today to screen all your email accounts in one place and allow only the email you want in your inbox.

MailWasher lets you preview all your email before it gets to your computer or mobile device, enabling you to read all your email securely, and instantly delete any unwanted or suspicious email. Your remaining good email is downloaded to your PC or mobile device, saving you from receiving any spam or email viruses.

When you use MailWasher, the benefits become obvious.

Zero spam in your computer or mobile device.
Inspect any email before it gets to your computer or mobile device.
Never lose an email because you cant afford to.
Intelligent spam tools ensure spam is caught and good email is not
With over 8 million users, 18 languages and features on both BBC World and CNN you can be confident that using MailWasher is one of the easiest ways to get rid of spam.

Check your email with MailWasher first. Youll be safer with the knowledge of whats waiting for you on the server, allowing you to quickly inspect and read your email and remove any unwanted messages quickly and easily.

MailWasher lets you view the email safely in plain text, but you can also inspect who its really from, who owns the company who sent it (WHOIS report) and all the hidden links.

Given that you cant afford to lose any legitimate email, MailWasher lets you have the final say on it before letting you Wash the spam away.

Advanced spam detection technology and tools do all the hard work for you by automatically marking spam emails.

From simple friends list, blacklists and learning filters to advanced custom filters, MailWasher has you covered.
Apps Deals
g: -1 Posted By: ctgolfer
Views: 475 Replies: 1 Will Ferrell returns to the role of Ron Burgundy in Anchorman 2: The Legend Continues, which finds the popular San Diego television newsman pulling up stakes with co-host Veronica (Christina Applegate), his intrepid reporter Brian (Paul Rudd), overenthusiastic sports reporter Champ (David Koechner), and imbecilic weatherman Brick (Steve Carell) in order to move to New York City and launch the first ever 24-hour news network. Adam McKay, who directed the original, returns as well to helm this comedy.

www.bestbuy.com/site/anchorman-2-the-legend-continues-dvd/392114...
DVD Deals

Best Buy Coupons
g: -1 Posted By: ctgolfer
Views: 136 Replies: 1 Will Ferrell returns to the role of Ron Burgundy in Anchorman 2: The Legend Continues, which finds the popular San Diego television newsman pulling up stakes with co-host Veronica (Christina Applegate), his intrepid reporter Brian (Paul Rudd), overenthusiastic sports reporter Champ (David Koechner), and imbecilic weatherman Brick (Steve Carell) in order to move to New York City and launch the first ever 24-hour news network. Adam McKay, who directed the original, returns as well to helm this comedy.

www.bestbuy.com/site/anchorman-2-the-legend-continues-dvd/392114...
DVD Deals

Best Buy Coupons
g: 0 Posted By: FatWallette
Views: 218 Replies: 0
Up to $200 off Las Vegas Flight and Hotel Vacation Package at Bellagio use coupon BELL40Book 4/15-4/28 Up to $125 off Las Vegas Flight and Hotel Vacation Package at The Mirage use coupon MIR25Book 4/15-4/28 Up to $75 off Las Vegas Flight and Hotel Vacation Package at Excalibur use coupon EXC15Book 4/15-4/28 More Offers from Southwest Airlines Vacations
1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
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Southwest Airlines Vacations Coupons
g: 1 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/Participation-Catherine-MacArthur-Foundati...

Firefox, a free Web browser developed by the Mozilla Foundation, is used by an estimated 270 million people worldwide. To maintain and improve the Firefox browser, Mozilla depends not only on its team of professional programmers and managers but also on a network of volunteer technologists and enthusiasts--free/libre and open source software (FLOSS) developers--who contribute their expertise. This kind of peer production is unique, not only for its vast scale but also for its combination of structured, hierarchical management with open, collaborative volunteer participation. In this MacArthur Foundation Report, David Booth examines the Mozilla Foundation's success at organizing large-scale participation in the development of its software and considers whether Mozilla's approach can be transferred to government and civil society. Booth finds parallels between Mozilla's collaboration with Firefox users and the Obama administration's philosophy of participatory governance (which itself amplifies the much older Jeffersonian ideal of democratic participation). Mozilla's success at engendering part-time, volunteer participation that produces real marketplace innovation suggests strategies for organizing civic participation in communities and government. Mozilla's model could not only show us how to encourage the technical community to participate in civic life but also teach us something about how to create successful political democracy.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 36 Replies: 0 http://www.amazon.com/gp/product/B00FX8X1LE

Building on the firm foundation established in the first volume, the second installment in the Excel University series continues to explore the Excel features, functions and techniques relevant to accounting and finance professionals. Volume 2 focuses on how to automate recurring-use reports. Amounts in hands-free reports update the instant updated data is inserted into the workbook, for example, when an updated trial balance is pasted into the data sheet. This volume covers the Excel items needed to build and automate reports, including lookups, dynamic headers, mapping tables, error trapping, conditional summing, and date related functions. Excel practice files and solutions videos are available online so you can work hands-on as you read through the content. The skills developed in this volume will help you get your work done in less time.
Books & Magazines Deals

Amazon Coupons
g: 0 Posted By: jskins
Views: 157 Replies: 0 D-Link Wireless N300 PowerLine Adapter AV500 Gigabit Router (DHP-1565) - $44.99 with Free Shipping at Amazon. 4.3/ 5 stars based on 18 customer reviews.

Hybrid router combines Wireless N300, PowerLine 500AV and Gigabit Ethernet
Fast wired connection with 4 Gigabit Ethernet LAN ports and 1 Gigabit Internet Port
One-button Connect
Built-in QoS Engine
SharePort Technology

Next lowest price on Google Products is $91.49.

Routers Deals

Amazon Coupons
g: 0 Posted By: vquasarv
Views: 150 Replies: 2 Found in my email, probably targeted, but thought I would share. Offer gave a specific dollar figure increase ($1,000.00) and stated that any amount above that needed to be called in and would require a hard pull.

Email:
"Dear [FW user], As one of our best customers, were offering you a fast and hassle-free way
to increase the credit line* on your Chase Freedom credit card. Here's how easy it is to request your credit line increase:

1. Log in to our secure website by April 22, 2014 2.Enter your annual income 3.Get an instant decision

Its really that simple. Theres no hassle or credit report check!"



Credit Deals
g: 1 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/gp/product/B0081KRP8Q

4.5 out of 5 stars (31 customer reviews)

Former mortgage brokers James L. Paris and Robert G. Yetman, Jr. detail exactly how credit scores are calculated and how a consumer can quickly raise their score. Check out our YouTube video which gives an overview of what is in the book -

The book is based on years of working with individual clients with credit situations as difficult as recent bankruptcies, foreclosures, and even IRS tax liens. Includes letters that can be used to dispute inaccurate information from a credit bureau report. Step by step information on what you need to do if you are currently attempting to get approved for a credit card, auto loan, or mortgage. Includes sources of no qualifying credit accounts that can be used to rebuild credit.



Why You Are Dead Broke! Make Money Your Best Friend and Get Out of Debt FOREVER!
http://www.amazon.com/Dead-Broke-Money-Friend-FOREVER-ebook/dp/B...

4.5 out of 5 stars (6 customer reviews)

Getting into debt is the seems like the easiest thing to do today. Jeremy Jacobson's book is about preventing and getting out of debt forever. In this book you will learn and find out:
-The different types of money disorders
-Which money disorder you have and how to fix it
-The intelligent way to spend
-How to pay off your credit card debt fast
-How to pay off your car loan fast
-Know and understand why you are throwing good money after bad
-The only sure fire way to make money your best friend
Clear. Concise. Straight forward. Why You Are Dead Broke is a must read for anyone with financial pressures and looking to brighten their financial future.



Find Money Every Day
http://www.amazon.com/Find-Money-Every-Essence-Series-ebook/dp/B...

4.7 out of 5 stars (17 customer reviews)

Can you really find money every day? Yes! There are three ways.
1. Increase your income.
2. Decrease your expenses.
3. Manifest it.
Oh, good. Youre still here. Sometimes, I say, manifest it to people and their reaction is to roll their eyes, cover their ears, and sing la, la, la. (Actually, no one has sang la, la, la yet.)
The first time I tried to manifest it I found money every day for 46 days in a row even though I only used the techniques for 30 days. Usually, I found dimes, quarters, ones, and twenties. However, on day 34, I found $213.34.
You can learn how to do this. In fact, if you your mind to these ideas, youll start finding money immediately.
Here is something interesting. I can read minds (maybe). When I mentioned manifesting money, did you think, Yeah, yeah, yeah, if I dont spend a dollar, its like making a dollar? Thats true but it isnt manifesting. As youll see when you read my story, it is possible to make money appear. It is not magic.
In this book, you learn some obvious things that you should know, some not very obvious things that you probably dont know, and some things that just arent obvious so you probably dont know them. Whew, thats a mouthful!
You are a sensible, reasonable person. You know money doesnt grow on trees. Its just made out of trees. You also know that money doesnt just appear out of nowhere. Or, does it? Let me tell you my story.
Totally Free Deals
Social Security Number on check sent with tax return
Added on : Monday April 14th 2014 06:00:07 PM
g: 0 Posted By: bighitter
Views: 195 Replies: 4 I owe tax with my state return. The instructions say to write the social security number on my check. Given all the recent reports of identity theft, should I comply? My concern is possible identity theft at the bank processing center. What do other FWer's do?

Edited to add this online article:

"Who has the right to request your SSN? Federal law mandates that state Departments of Motor Vehicles, tax authorities, welfare offices, and other governmental agencies request your SS number as proof that you are who you claim to be. However, the Privacy Act of 1974 requires that government agencies at the local, state, and federal level disclose to each person whether submitting your Social Security number is required, details on the use of this information, and what law or authority requires its use.Please note that this Act stipulates that no one can deny you a government service or benefit for failing to provide your SSN unless federal law specifically requires it.You aren't legally required to provide your SSN to businesses unless one of the following is true: You'll be engaging in a transaction that requires notification to the Internal Revenue Service; or You're initiating a financial transaction subject to federal Customer Identification Program rules... "

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

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

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

Thoughts?
Real Estate Deals
$200 Checking Promotion Bonus Avidia Bank - MA residents only
Added on : Monday April 14th 2014 06:00:15 AM
g: 0 Posted By: glidingone
Views: 101 Replies: 2 https://www.avidiabank.com/banking-avidia-bank-offers-more


When you open your first checking account with Avidia Bank*, you have the opportunity to earn up to $200 by enrolling in services you may already use with another bank. You already know and trust Avidia Bank, why not try us out for your next, new checking account?Once you open a new Smart OR Value NOW Checking account, you can earn $50 for each of the following services:**

Sign up for eStatements
Have a Direct Deposit or other ACH Transaction
Use your Avidia Bank debit card 5 times
Enroll in Online Banking with Bill Pay and pay ONE bill.


*New checking account customers only. Promotion applicable on Smart or Value NOW checking accounts only. Primary signer on the new checking account may not be or have been a primary or secondary signer on any personal checking account within the previous six (6) months.**You will earn $50 for each of the bonus requirements satisfied and the sum of the bonuses will be deposited into your checking account. The value of the bonus will be reported to the IRS on form 1099-misc. Offer can be withdrawn at any time. Your account must be open and in good standing on the date of deposit to qualify for this offer.

Two checking accounts qualify for this offer - one of which is a no minimum balance account - no fee account - the other is $1,000 to avoid fees. UPDATE: Appears that this is a local footprint/MA resident offer as per comments below. If you live in MA - enjoy the $200.

** Unknown as to hard, soft or chexsystems credit pull - please share your findings.
Deposits Deals
CREDIT SCORES
Added on : Saturday April 12th 2014 06:00:13 AM
g: 0 Posted By: atiggger
Views: 131 Replies: 4 The wife and i are looking into making a large furniture purchase but don't want all the hits to our credit reports. i guess i was always under the impression that frequent hits to your credit lowers your rating or could even result in not being approved for credit. my dilemma is we are looking to purchase from 3 different "BOX" stores and am weary of my credit score going AWOL with that many inquires. Am i just paranoid or do i have a valid worry?
Credit Deals
g: 2 Posted By: remick
Views: 240 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.



The Past, Present, and Future of JavaScript
http://www.amazon.com/The-Past-Present-Future-JavaScript-ebook/d...
Whats next for JavaScript? Its phenomenal rise from a simple client-side scripting tool to a versatile and flexible programming language exceeded everyones expectations. Now, hopes and expectations for JavaScripts future are considerable.

In this insightful report, Dr. Axel Rauschmayer explains how the combination of several technologies and opportunities in the past 15 years turned JavaScripts fortunes. With that as a backdrop, he provides a detailed look at proposed new features and fixes in the next version, ECMAScript.next, and then presents his own JavaScript wish listsuch as an integrated IDE.

Understand the key role that XMLHttpRequest, JSON, jQuery, V8, Node.js, and other advances played
Examine proposed fixes for ECMAScript.next through code examples
Discover how JavaScript is becoming a better Target for compilers
Explore the technologies that will help JavaScript provide support for concurrency
Learn how HTML5 is a compelling platform for JavaScript in web, mobile, and desktop applications



JavaScript Principles: A Brief Introduction
http://www.amazon.com/JavaScript-Principles-A-Brief-Introduction...

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Plugin 4: id2var



Java 8 Preview Sampler
http://www.amazon.com/Java-Preview-Sampler-Herbert-Schildt-ebook...

The Problem with Native JavaScript APIs
http://www.amazon.com/The-Problem-Native-JavaScript-APIs-ebook/d...

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1099 Form (Tax Information) Not Fully Provided
Added on : Friday April 11th 2014 09:00:05 PM
g: 0 Posted By: BrunoB
Views: 10 Replies: 0 At my broker (shall remain anonymous) they had a change of clearing house during 2013. When they provided tax information for 2013 the only information available was from the current clearing house (new/2nd clearing house). No information from the previous (old/1st clearing house) is provided. I myself have no record of my transactions when the 1st clearing house was in administration. Should (and can) I just prepare my 2013 tax return based on the available information (which is purely based on what the 2nd clearing house has provided)? Would the 1st clearing house also report the record of transactions to IRS (without providing them to me or other clients during their administration). All information is provided online by my broker. I also received paper report from the 2nd clearing house, which is identical to what is available online. Any tax reporting to me from the 1st clearing house is completely missing.
Discussion Deals
Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

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

Reasons:

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

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

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

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

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

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

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


Investing Deals
g: 0 Posted By: RKBA
Views: 1 Replies: 0 I've been waiting on a deal for this printer (or its bigger sibling w/fax) at the egg, but Costco.com got there first. They have an instant $70 off the Brother DCP-7065DNuntil 5/4/2014, making it $97.99 plus tax. Free shipping. And if you buy the high-yield toner for iton the same order, you get $20 off. Of course the toner is about $7 more expensive than @ the egg, but you still come out ahead. And you get Costco's great return policy if something goes wrong, as opposed to paying return shipping buying it at the egg.$97.99 After $70 OFFBrother DCP-7065DN Compact Laser Multi-Function Copier with Duplex Printing and Networking

Automatic Document Feeder: Yes
Brand: Brother
Dimensions (L x W x H): 15.7 in. x 15.9 in. x 12.4 in.
Duplex Printing: Yes
Model: DCP-7065DN
Networkable: Yes
Output Tray Capacity: 100 Sheet
Paper Size: Legal
Print From Mobile: Yes
Print Speed (Black): 27 Page per Minute
Printer Functions: Print, Copy, Scan
Printer Output Color: Black & White
Weight: 25.1 lb.
Offers an adjustable, 250-sheet capacity paper tray that handles letter or legal-size paper, as well as a manual feed slot for printing a variety of media sizes, letterhead and envelopes.
Print high-quality output at up to 2400 x 600 dpi for professional reports, spreadsheets, correspondence, or other important business documents.
Save paper and help reduce costs by using the automatic duplex (two-sided) printing feature. You can also produce two-sided copies from one-sided originals.
Includes valuable copier features including: Standalone copying, ID copy (copy two-sided documents like insurance cards onto the same side of a single sheet), sorting, reduce/enlarge documents from 25-400%, and N-in-1 copying.
With up to 19200 x 19200 dpi (interpolated) scanning resolution, you can create high-quality color scans in a variety of file formats including: PDF, JPG, TIFF, and more.
Scan multi-page documents using the 35-page capacity auto document feeder or use the document glass for bound materials or up to letter-size documents.
Offers a wide range of scan-to options including: E-mail, file, image, and OCR (Optical Character Recognition).
A robust suite of powerful scanning software for document management, editing and archiving, including Brother Control Center, Nuance PaperPort SE with OCR for Windows, and Presto! PageManager with OCR for Mac.
Deep Sleep mode uses minimal power (less than .9W) when the machine is not in use.


Brother TN450 High Yield Toner Cartridge Black$51.69

Shipping & Handling included *
1 - Black Toner Cartridge
Page yield: approx. 2,600 pages

8.5% Sales Tax makes it just over $140 delivered, after the $20 combo discount.
Subtotal: $149.68 Less Promo Code: -$20.00 Shipping & Handling: $0.00 Non-Member Surcharge: $0.00 Tax: $10.70 Order Total: $140.38
Should we file accident claim?
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: revheck
Views: 57 Replies: 3 My wife was in a minor accident this morning that was the other driver's fault. She was stopped at a DC Metro drop off lot (in Virginia) and a shuttle bus backed into her while she laid on the horn. There is damage to our car, but probably less than $1000. She did file a police report and exchange information with the other driver.

Normally, I wouldn't hesitate to report to our insurance company, but there are extenuating circumstances:

We've just moved from New Jersey to Virginia 3 days ago, and planned to search for new auto insurance within next few weeks.
We have State Farm auto insurance in New Jersey, but our old car(1997 Lexus)has no collision coverage.
Virginia is an at-fault state, while New Jersey is a no-fault state.
The accident occured on private property.
My wife did have a minoraccident in New Jersey last summer that was her fault. (She was ticketed.)

I am assuming the other driver's insurance will pay our damages, since Virginia is an at-fault state. But I don't want our insurance premiums to go up over a minor claim.

Recommendations?



g: 0 Posted By: singhalnj
Views: 110 Replies: 0 I logged in to my Capital One credit card account today and saw this banner at the top for a free Credit Tracker tool.

http://www.mybanktracker.com/news/2014/03/25/capital-one-credit-...

Looks very neat as it had quite a lot of details. (Not as detailed as an entire credit report, but just a summary)

Capital Ones Credit Tracker tool does not provide a FICO score. Instead, it uses a credit score developed through a proprietary model by TransUnion, one of the three major credit bureaus. Although the TransUnion credit score (called the TransUnion Educational Score) may not be the standard credit-gauging metric used by lenders, credit card customers can still use it to monitor the changes to their credit profiles.


Credit Deals
US Airways 40/50k Mile Offer After First Purchase
Added on : Wednesday April 09th 2014 02:00:10 AM
g: 0 Posted By: doctorofcredit
Views: 1 Replies: 0 Direct link to offer

You get 40k miles after first purchase and the other 10k is part of a balance transfer ($10 or 4% whichever is higher). Card is churnable from the reports I've read. Thoughts?
Help getting my Money Pak money back
Added on : Tuesday April 08th 2014 08:00:06 AM
g: 1 Posted By: jojojones
Views: 78 Replies: 0 I bought a Money Pak Reload card for $500 a couple of days ago. Somewhere between the store and my car (2000 feet), the card was either lost/stolen. I called Green Dot on the day I discovered it was missing, and of course, they were closed. I called the next morning and was able to get a case started. Since it was a weekend day, the corporate office was closed and they couldn't start an investigation until Monday. Well, I talked to GD corp office today and it doesn't look good. The guy told me that the Money Pak was loaded onto an account (he wouldn't tell me if it was Paypal or another reload card) within 30 minutes of purchase and is now essentially depleted of funds. He gave me the usual crap that he couldn't release a name due to federal privacy laws but a police subpoena would be able to get the name. I filed a police report but the detective told me they don't pursue a case unless it has a value of at least $1000. Okay, so I know that now I am pretty much out $504.95. I know this is a longshot but does anyone have any ideas to get my money back?

Here is some info for people who find themselves in a similar situation because it is really difficult to find information. Call the Green Corporate office 1-866-652-4611 and ask to talk to a senior supervisor. M-F 9am EST - ppm EST.
Personal Finance Deals
g: 0 Posted By: FatWallette
Views: 210 Replies: 0
Up to $150 off Flight + Hotel Vacation Package to select beaches in the US, Mexico and the Caribbean use coupon BEACHVACABook 4/8-4/21 1 Week Left! $40 off per reservation and up to 40% off select Hotels with $1000+ Flight and Hotel Vacation Packages to Las Vegasuse coupon LASAPRIL40Book 4/1-4/14 Up to 65% off Sandals Resorts Sale Book 3/27-5/1 Save up to $200 when you book a flight + hotel vacation package to Orlando! use coupon ORLANDOFUNBook 4/1-4/30 Las Vegas MGM Resorts Sale: Get up to a $75 food & beverage credit when you book a flight + MGM Resorts hotel vacation packageBook 3/31-4/24 More Offers from Southwest Airlines Vacations
1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
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Parents' large assets to Roth best transfer options?
Added on : Monday April 07th 2014 04:00:07 PM
g: 0 Posted By: derfderf1984
Views: 81 Replies: 0 Question: What should my parents do to reduce cost (Tax) and increase amount in Roth or fringe benefits?

Details:
- Dad is fixated/bitter to the fact that he worked hard and was responsible, but will have his assets depleted before most assistance programs kick in while those not lucky enough to get a pension buyout will get the government aid free sooner.
- Generousparents want to get the funds to a ROTH IRA so that my brother and I can inherit the funds andkeep them in non-taxable accounts only taking mandatory withdraws.
- They want to keep the taxes they pay on the transfer to a minimum or receive a benefit that makes up for the tax hit. Today comfortable with staying in the 25% tax bracket.
- Parents are 65ish
- The first world problem is, the stock market gains are more than the amount they can roll over to a ROTH every year thus they will never be able to roll over the whole amount into a non-taxable account.

My thoughts on options:
1) Just stick to the plan the tax hit is not justified until I loose one of my parents. (Pro: keep taxes low Con: may incur taxes later, might not accomplish their goal.)
2) Take more of a hit to get to the point of no reportable income. Then apply for aid programs that do not have means tests to determine eligibility. (Pro: goal complete,minor benefits poor people get Con: lost flexibility in accomplishing goal, feel like deadbeats)
3) Is there a way to take a loan fromyour traditionalIRA secured by some note that the traditional keeps while you fund the Roth with the loan money so it is not income just loan money? (Don't know if doable because it is loan money not earned money going into ROTH)
Investing Deals
Amazon Sellers, Sales Taxes?
Added on : Monday April 07th 2014 11:00:17 AM
g: 0 Posted By: myhotrs
Views: 12 Replies: 0 I searched all over and could not find this. I know how to charge sales tax on my Amazon sales. What I am asking is whether folks here go through the hassle or not and if anyone knows what Amazon reports. I'm in California and selling both myself and FBA. Started a few months ago and volume will probably trip a 1099 this year. Thats not a problem, I'm prepared to pay income tax. I just can't believe how complex the tax issue is with AZ and that everyone who sells has gone through the pain of setting up and reporting every state.

Please don't respond with ethical comments or tax law, not interested.

If I missed an existing discussion, I apologize and if someone could point me in the right direction that would be appreciated. Also, PMs welcome for those who don't want to post.
1099 Form IRS Reporting Question
Added on : Sunday April 06th 2014 10:00:08 AM
g: 0 Posted By: BrunoB
Views: 128 Replies: 0 This is rather a technical question. When a broker issues a 1099 Form for the client to report taxes, who is actually reporting the information in this 1099 Form to IRS? Is it the broker (if he actually issues the 1099 Form) or is it the clearing house who is affiliated with the broker (if the clearing house is the party who actually issues the 1099 Form). As I understand it, all brokers have a clearing house affiliated with them who settle trades and do the back-office stuff (as I understand). Do they also report security trade activities, interest and dividend payments, margin interest payments, etc. to the IRS, or the broker does?
Question Deals
Car rental small scratch not caused by me
Added on : Friday April 04th 2014 12:00:10 PM
g: 0 Posted By: alkotik
Views: 78 Replies: 4 Hello, I am just looking for some advice.
Last weekend I rented a car from National. When I got the car I looked around and did not see any scratches. I drove for one day without any incidents. But on the return the person went right to the place where the scratch was as if she knew it was there and made a report on the scratch. She said she checked the computer and the scratch was not reported before which made me liable for it. I know that I should have been more careful checking the car before I took off. But my question is - should I insist that I did not scratch the car or should I just report to the insurance which is Amex?
New User Question Deals
vinaudit vehicle report for 4.99
Added on : Friday April 04th 2014 08:00:04 AM
g: 0 Posted By: nortotron
Views: 61 Replies: 0 https://www.vinaudit.com
Use coupon DLS_50OFF
1 report 4.99
5 - 14.99
10 - 24.99


Services Deals
g: 0 Posted By: ctgolfer
Views: 276 Replies: 1 use promo code: EMCPFPG95

www.newegg.com/Product/Product.aspx?Item=N82E16833127379
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g: 0 Posted By: FatWallette
Views: 207 Replies: 0
Up to $200 off Flight and Hotel Vacation Packages to Orlandouse coupon ORLANDOFUNBook 4/1-4/30  $40 off per reservation and up to 40% off select Hotels with $1000+ Flight and Hotel Vacation Packages to Las Vegas use coupon LASAPRIL40Book 4/1-4/14 Las Vegas MGM Resorts Sale: Get up to a $75 food & beverage credit when you book a flight + MGM Resorts hotel vacation packageBook 3/31-4/24 
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
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Renter wants to move out before end of lease
Added on : Monday March 31st 2014 09:00:11 PM
g: 0 Posted By: mdtails
Views: 58 Replies: 2 I have a renter that wants to move out before the end of her lease. She signed a one year lease with a onemonth security deposit. Now 6 months into the lease, she wants to move out as she bought a residence nearby. She is moving out regardless and is not going to pay the remainder of her rent. I'm in CA. What are my options as a landlord? Do I have to take her to court to obtain a judgement against her or can I report her directlyto a collection agency and have them obtain the money owed from her?
Question Deals
Is it better to apply for mortgage by one person or husband&wife?
Added on : Monday March 31st 2014 04:00:06 PM
g: 0 Posted By: fleetwoodmac
Views: 157 Replies: 0 Here is the situation

My credit score is 720, it dropped last week due to closing 2 credit cards. Also I put in all my info to lending tree which later I learned that there will be 20-30 credit pulls in my report by tomorrow.

So my score probablywill come down more
My income is 100K but I thought may be I can coapply to the mortgage with my wife whose score is 740 but income is 20K

So what do you think?


Real Estate Deals
Anybody used lending tree for mortgage?
Added on : Monday March 31st 2014 10:00:12 AM
g: 0 Posted By: fleetwoodmac
Views: 118 Replies: 3 I gave my info to lending tree and suddenly I got 20 emails offering mortgage

I am in the market for 30 yr fixed so how do I find the cheapest cost for me? Ho do you play this?

Obviously I don't want 20 hard pulls in my credit report. Also some brokers asking for some money for locking in the rate.
Real Estate Deals
TaxACT Online Free Federal + State + eFile for Only $10
Added on : Monday March 31st 2014 12:00:02 AM
g: 0 Posted By: fivetalents
Views: 236 Replies: 0 TaxAct is currently offering their entry level free federal + state additional bundlefor $10 (normally $17.99):

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

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

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

Credit to B.D.

Services Deals

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

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

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

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

Credit to B.D.

Services Deals

TaxAct Coupons
IRS 1040: Where to report payment by credit card?
Added on : Sunday March 30th 2014 12:00:06 PM
g: 0 Posted By: bandyopa
Views: 178 Replies: 3 Looks like I have to pay some tax to IRS. I am thinking to use a credit card to pay the tax. But I cannot find any information about how to report this in my 1040. If I pay by check, then I need to fill a form 1040-V. I cannot find any similar form for credit card payment. Simply put, what should I enclose with my 1040 as proof that I have paid my due tax by using credit card?

I know, this sounds a silly question, but I cannot find the answer anywhere. Am I missing something?

Thanks,
Tintin
Credit Deals
g: 1 Posted By: NantucketSunrise
Views: 308 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

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

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

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

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

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

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

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
g: 0 Posted By: NantucketSunrise
Views: 178 Replies: 2 I searched FW's search function several ways,but didn't see this newcredit card breachmentioned anywhere.

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

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

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

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

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

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

----
(If the mods think this would fit better in Deal Discussion, please move it as you wish --if you do move it,I would appreciate it if you could justgrey it outhere andleave it in the thread list,so more FW visitors would have a chance to be alerted to this data theft, in case it might affect them or their friends/family. )
Personal Finance Deals
g: 2 Posted By: remick
Views: 347 Replies: 0 http://www.amazon.com/Rethinking-Internet-Things-Connecting-Ever...

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

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

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

Amazon Coupons
g: 0 Posted By: gibbywmu
Views: 22 Replies: 0 I am disputing 2 medical bills that went to collections. Experian and Equifax show only one on my credit report, while TransUnion showed both.

I filed an online dispute process with all 3 bureaus, and surprisingly enough, TransUnion sent me an update the very next day and both were deleted from my report.

Now, I am awaiting an answer from the other 2 bureaus. Are the chances high they will be deleted also, since TransUnion deleted them in 1 day? (I realize the online dispute process is not recommended, but I thought I'd give it a shot first and apparently it worked with at least one).

Any feedback would be appreciated!
Personal Finance Deals
Battlefield 4 for XBox One $29.99 @ Microsoft store
Added on : Thursday March 27th 2014 10:00:02 AM
g: 0 Posted By: bru20
Views: 46 Replies: 0 Link

Also available forXBox 360 for $15.18 but currently OOS.

Reports Best Buy has been PMing, YMMV. Price submitted to Amazon for match.
Discover CashBack National Car Rental Certificate
Added on : Thursday March 27th 2014 08:00:08 AM
g: 0 Posted By: bargainhunter3
Views: 53 Replies: 0 I've been trying to find info on this for a few days. I was looking to rent a car next month. I'm happy to report the following.

My rentalis a 1 way from HHH to AGS for 1 day. My base rate was $40.11. I went to Discover, got the national car rental certificate and put it in at nationalcar.com.

My subtotal was $0.00. After taxes and fees. It turned out to be $8.89!
My mom is renting a one way out of Florida for $9.95/day. If you're over 4 days (My mother is for 6). Her total came out to $48.xx after taxes/fees. It did combine with a corp ID.

It's as if it will take $40 off the base rate if it's higher than $40, at least in my experience so far.

This is an FYI for anyone who has thought about it through their Discover CashBack. I had a hard time finding good info and was nervous about pulling the trigger.
Car Rental Deals
g: 0 Posted By: VivYip
Views: 224 Replies: 0 $19.99 for 52 Weeks of The Washington Post Sunday Home-Delivery with Free Digital Access
$19.99 for 52 weeks of Sunday home-delivery of award-winning content and photos in The Washington Post, plus complimentary digital access ($96 value)

Start your day with award-winning local, national, and world news. Get up-to-the-minute updates from Crimea to Malaysia to your neighborhood. The Post is plugged in, so you are too. Enjoy the convenience of relaxing with the Sunday Post delivered to your home each week.

Read Pulitzer Prizewinning reporters.
Access exclusive online content and blogs.
Join live discussions on timely topics.
Share and comment using social networks.
Check out Politics, Opinions, Sports, Health, Tech, Jobs, Lifestyle, Entertainment, Arts, Coupons, and more. With this limited-time offer, get the Sunday Post for one year plus complimentary, unlimited digital access.
Expires Jul 30th, 2014. Limit 1/customer, may buy multiple as gifts. Limit 1/household. Online enrollment req'd. to redeem including name, address, email, and voucher number. Valid only for select service areas. Valid for new customers only or those who have not had a print subscription within the last 30 days and/or do not have outstanding balances. At the end of the 52-week promo period, your subscription will continue and you will be billed every 8 weeks at the prevailing rate unless you contact The Washington Post to cancel subscription. Must use promo value in 1 visit.

Hope this might help someone. Thank you for reading.
Magazines Deals

Groupon Coupons
g: 0 Posted By: FatWallette
Views: 204 Replies: 0
Save up to $200 when you book a flight + hotel vacation in Mexico & The Caribbean use coupon VACATROPBook 3/25-4/7 Save up to $100 when you book a flight + hotel vacation package and stay three or more nights at any Starwood Resort use coupon RESORTS100Book 3/25-4/7 



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1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
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Travel Deals Deals

Southwest Airlines Vacations Coupons
Car repair estimates required by law?
Added on : Tuesday March 25th 2014 07:00:11 AM
g: 0 Posted By: BenH
Views: 167 Replies: 9 We had a situation at my Condo building where a seeming malfunction of the parking gate caused it to close on an exiting car.
The car is that of a visitor of an owner and it scratched up a rear door.

We assume(d) that the homeowner's association is responsible for this damage, and we asked this guy to get an estimate.
He came back with an estimate over $1000 which seems a bit high (but may be reasonable).
We requested that he get at least one other estimate and now are being relayed by the unit owner (whose visitor it was) that our demands for another estimate are ridiculous and that the guy is going to file a police report if we don't give him an answer by today.

This incident happened on Saturday - so it hasn't even been one business day and this guy is threatening us already.

While the association isn't' necessarily trying to absolve itself of blame - are these requests unreasonable?

The guys stated that when he went to get another estimate he was told that he is only required by law to get one estimate. Is this true?
Also, what would filing a police report do? This guy was parked in a private lot based on authority of his friend (the owner). Isn't this purely a private matter?

This is in Chicago.

thanks.
Personal Finance Deals
Free copy of Hard Disk Sentinel Standard Edition for PC (was $23.00)
Added on : Tuesday March 25th 2014 07:00:02 AM
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.bitsdujour.com/software/hard-disk-sentinel

Have you ever suffered through the pain and agony of a hard drive failure? To you, it's pretty straightforward -- one day your computer is humming along smoothly, and the next day it won't boot at all. But what you may not know is that, beyond the capabilities of your human senses, a whole host of little warning signs and other signals can actually tell you when hard drive failure is imminent! That's why Hard Disk Sentinel is so important.

Hard Disk Sentinel monitors and analyzes your hard disk and solid state drives, giving you valuable feedback on the health of the drive, any performance degradations, and warning of impending failure. With Hard Disk Sentinel, you'll be able to find, test, diagnose, and even repair disk drive issues before they escalate to catastrophic status.

And you won't have to worry about getting overwhelmed with a bunch of technical babble -- Hard Disk Sentinel gives you an easily understandable description of what's going on, and offers tips on how to proceed! A laundry list of alerts and reports gives you the ultimate flexibility to determine how close you wish to monitor your drives, letting you safeguard your data at all times.

Unlike some other titles on the market, Hard Disk Sentinel is a complete monitoring solution. There's no need to purchase other tools in order to verify internal hard disks, external hard disks, SSDs, or disks in RAID arrays!

What kinds of info do you get with Hard Disk Sentinel? How about temperature, and the ability to view S.M.A.R.T. (Self Monitoring, Analysis, and Reporting Technology) data, a feature built into the latest disk drives. There's also real-time monitoring of disk transfer speeds, an important indicator of a failing hard drive!
Get Up To $200 From BMO Harris - Direct Deposit Required
Added on : Monday March 24th 2014 05:00:06 PM
g: 0 Posted By: doctorofcredit
Views: 106 Replies: 0 Offer link

Bonuses:

$150 bonus for everyday checking
$200 bonus for Select/Portfolio


Monthly fees:

You can avoid the monthly fee on the everyday checking by having a minimum daily balance of $1,000 or $500 in transfers.
You can avoid the monthly fee on the select by having a minimum daily balance of $5,000


Valid until May 5th, 2014. No geographical restrictions from what I can tell. Not sure if it's hard or soft pull, there is overdraft protection so it might be a hard. One bonus per calendar year per HOUSEHOLD. Bonus will be deposited around the 120 day mark. Requires a direct deposit of $300 monthly to trigger.


As always, bonus is reported to IRS and you must pay taxes on it.


If you do a non employment payment for the direct deposit and it triggers the bonus, let us know!
Deal Deals
Popular Photography Magazine - $4.99 @ DiscountMags
Added on : Monday March 24th 2014 08:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 208 Replies: 0 DiscountMags has the Popular Photography Magazine on sale for $13.97 - $8.98 promo FATWALLET = $4.99

"Famed for its comprehensive coverage of the latest equipment, inspiring images by leading photographers, in-depth how-to articles and authoritative test reports, Popular Photography and Imaging draws upon top professionals in the field to inform committed readers who are passionate about pictures."
Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: remick
Views: 100 Replies: 0 http://www.amazon.com/dp/B008LW7DQ8

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

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

Every book has an ending. However, the ending of this book will shock you. Within the new epilogue is a multi-page essay written especially for this updated book by Pulitzer Prize winning journalist David Cay Johnston. In it he describes his personal experience as a Target of Daryl Gates illegal intelligence operations while he served as a Los Angeles Times reporter. Youll also read the challenge posed by detective Rothmiller to the LAPD. A challenge LAPD has refused to answer.
Books & Magazines Deals
g: 10 Posted By: remick
Views: 1325 Replies: 3 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
Totally Free Deals
Northwest Savings Bank $200 Checking Bonus (May be limited)
Added on : Saturday March 22nd 2014 11:00:06 AM
g: 0 Posted By: ntr91
Views: 60 Replies: 0 https://www.northwestsavingsbank.com/switch.htmApplication link on right hand side.

*Qualifications: Bonuses only available to customers who have not had an open checking account within six months of opening a new MyNorthwest checking account (Account). All account owners must be qualifying customers. Bonuses limited to $200 per Account. Within 6 months of Account opening, two ACH Direct Deposits (Deposit(s)) of $200 or more made by an employer or other outside source must be deposited into Account. Internal transfers between accounts or deposits made at a branch or ATM do not qualify as Deposit(s). First bonus of $100 will be posted to Account within 14 calendar days of the second Deposit. Eligibility to receive the first $100 bonus will expire 6 months from date Account is opened. Second bonus of $100 will be paid to Account within 14 calendar days after one year anniversary of Account being opened provided: (i) customer qualifies for first bonus; and, (ii) two Deposits were received within two months prior to one year anniversary of date Account was opened. Bonus credits not considered part of minimum balance to open Account. My Northwest Interest Checking accounts not included in promotion. Employees of Northwest Savings Bank and affiliates not eligible for Bonuses. Bonuses subject to IRS 1099 INT reporting for year in which received. Offer may be extended, modified or discontinued at any time without prior notice and may vary by market. **Your mobile carrier data charges may apply. ***Includes ATMs accessed through Northwests membership in the Allpoint ATM Network. For more information, visit www.allpointnetwork.com.Member FDIC

I haven't tested it since I'm already a customer, but online apps may be limited to certain parts of PA, NY, MD, and OH.
Deposits Deals
Check was stolen out of the mail, altered, deposited.
Added on : Friday March 21st 2014 03:00:04 PM
g: 0 Posted By: burgerwars
Views: 24 Replies: 0 Short, long story: I mailed a check payment for $25 Tuesday morning. I check my checking account online at 5:00 am Thursday and discover the check cleared that night for $825. The check was washed with a new payee and amount. The altered parts are totally not how I write. Somehow stolen from the mail. I call the bank immediately. They take a report, close my account and issue me a new account number.

Question: I reported the incident within a couple hours when the transaction first appeared in my account. The bank updates stuff at about 3:00 am PT. Given I reported it so quick can the bank reverse (or stop) payment before the thief collects the loot? I do know the check was negotiated not at my bank and it wasn't a mobile deposit. I can't make out anything on the back image of the check to tell me what financial institution accepted it.

I learned a few lessons. I'll mail checks in the post office and use ink that will be harder to wash.
Personal Finance Deals
g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
Totally Free Deals
Can you open a Roth IRA with only reported income?
Added on : Wednesday March 19th 2014 02:00:10 PM
g: 0 Posted By: cheapedy
Views: 147 Replies: 2 A friend and I were discussing this about his nephew (20, part time student) who makes around $3,000 a year from selling tickets on Stubhub , items on Amazon marketplace, garage sales, and odd jobs. He reports this income on his taxes as "Other Income". Asked us for some financial advice.....we said "START EARLY! open up a Roth IRA". He's up for it, but we're unsure if he can. Can he?
Investing Deals
g: 0 Posted By: manmohanrawat
Views: 67 Replies: 2 Story so far;
Wife got into a fender bender at wholefoods , exchanged insurance information , contacted OP's insurance the same day was given claim # and was told to get an estimate from the adjuster. that was last year Nov 2013
After 45 days was told they are not able to get in touch with the client ,and I got 2 more letters from OP's insurance company asking for me time and then in Feb this year I call them and then I am told they are not able to get in touch with the client and hence will be denying the claim
I just have liability only cause of an older car , Gieco now is saying that I am on my ownI went thru this archived thread and have come up with one option (Car Accident: Other Party At Fault - Denies Responsibility After the Fact To Insurance)SUE that person in small claims court

wife has pictures of the accident and insurance cards
my wife tried to get her to record a conversation but that person could not speak or hear

I was told by OP's insurance company that even if I did get that in writing they would absolutely have to talk to that person and it would have not mattered even if there is a police report.

Any ideas or suggestion.. apart from the option i mentioned above Sue in small claims











Personal Finance Deals
g: 0 Posted By: FatWallette
Views: 157 Replies: 0
Up to $50 off $800+ Las Vegas Vacation Packages and Up to 40% off Hotel stay!use coupon MARLASBook 3/18-3/31 



More Offers from Southwest Airlines Vacations
1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
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g: 0 Posted By: robronson
Views: 108 Replies: 3 I started working this year through a third party consulting firm as a 1099. I pay for all of my business expenses and bill the consulting firm for them, as well as my hours and the consulting firm pays me and then bills the client. In return, the consulting firm takes around 10% but it's worth it for me because they help find me work and deal with getting vendor status at clients.

My concern is that I'm doing work in multiple states this year. I understand I generally need to pay income taxes in states that I perform work and I also understand many states have thresholds for non-residents such that if my income is below a certain level, no income tax return is due. My question is, how will my consulting firm likely handle my 1099 at the end of the calendar year? Obviously we can only speculate. The reason I'm not asking them directly is because I don't want to "give them any ideas" that could bite me in the ass. Let me give some specific rough numbers for an example:

Total 1099 Income For 2014: $100k
Income from Texas: $50k
Income from California: $40k
Income from State X: $3k
Income from State Y: $3k
Income from State Z: $4k

Suppose in this example that States X, Y and Z all have minimum filing thresholds of $5k so I don't actually have to file taxes with them. Texas has no state income tax so no filing with them either. Here's a few possibilities of what might happen at the end of the year:

OPTION 1: Consulting firm issues a 1099 to the federal government only. They do NOT report any 1099s to any state governments. Best possible scenario. I'd be on the honor system to file taxes with the respective states and I get to decide which states to file with per the law.

OPTION 2: Consulting firm issues a 1099 for $100k total earnings to the federal government and EACH of the 5 state governments. EACH of the 5 governments thinks I earned $100k in their state because the 1099 isn't broken down it simply says I earned $100k and some or all it came from that state. WORST possible scenario because each state will think I earned $100k in their state.

OPTION 3: Consulting firm issues a 1099 for $100k to the fed gov and a 1099 for $40k to California, and a 1099 for $3k, $3k, and $4k to X, Y and Z respectively. They skip TX because they know TX doesn't care. Medium-level scenario but least likely to occur because it's the most effort for the consulting firm.

I can see any of these three scenarios playing out with me being royally screwed through Option 2 because even though I won't have to pay taxes to states X, Y and Z, I do have to file returns which costs money to pay someone to do it or wastes time to do it myself. Also, I risk California deciding to audit me because they think I lied about what percentage of the $100k actually came from them since they were [incorrectly] told I made $100k in California.

Are any of these 3 situations possible or is there a standard way for this to be done? I really don't want to ask and risk them deciding to change their policies to Option 2 to be "safe" for themselves.
Discussion Deals
Cheap Carfax/AutoCheck Report Alternative - Only $5
Added on : Sunday March 16th 2014 05:00:04 AM
g: 0 Posted By: clydestereo
Views: 88 Replies: 0 Yes, the snow is melted, the birds are singing, any you are in the market for a new ride.

well you can go here....

http://www.add123.com/home-page

or

https://www.vinaudit.com/

and for $5 they will give you a pretty detailed vehicle history report.

credit goes to a startpage.com search & Cnet.com forum.




Auto Parts Deals
Tascam PAR100 $269 PAR200 $349 Home Theater Receivers
Added on : Thursday March 13th 2014 06:00:05 AM
g: 0 Posted By: Jamnett
Views: 179 Replies: 0 I found an amazing deal on these home theater receivers while shopping for a hand held recorder.

http://www.proaudiostar.com/catalogsearch/result/?q=TAS-PAR100+T...

Tascam and Onkyo are the same company. Great specs. I have a R200 on the way to me. I will report back if I can get the chance.

Tascam PAR-100 $269
Tascam PAR-200 $349
Home Theater & Audio Deals
Executive Savings Plan for fun and profit
Added on : Wednesday March 12th 2014 03:00:11 PM
g: 0 Posted By: CptSavAHo
Views: 47 Replies: 2 My company offers an Executive Savings Plan and you can defer up to 100% of salary including bonus but you have to elect your participation as a % of salary at the start of the year. This year I elected 5%. As I understand it the money put into ESP is before tax and does not count as income when taxes are filed, and only reported as income when withdrawn or required to be reported as an asset on most federal forms. This had me thinking that there could be several lucrative times and ways to defer significant portions of my income.

1. Spend a year living very frugal, saving $40k or so of post tax earnings. The following year defer 100% of salary and bonus into the ESP and pay bills out of the $40k savings. Report zero taxable earnings for that deferred year and claim the various benefits such as EIC, etc. The ESP can be drawn on in case of emergency and without penalty.

2. Save over a larger time frame, say 10 years but at smaller increments. The two years prior to my son going to college defer a large % of salary and file extremely low income on FASFA forms. Continue to defer income until son graduates.

I'm sure there are more ways to utilize it.
Personal Finance Deals
Chase Return protection on business cards
Added on : Tuesday March 11th 2014 09:00:10 AM
g: 0 Posted By: JuNooNi
Views: 199 Replies: 2 I apologized in advance but I tried searching this forum and on inter-web but couldn't find a definite answer. Here is the summary:

One of my relatives bought a fake jewelry (~$500) overseas using his Chase business card (I think one of the Inks card) which he immediately tried to return it after finding out that it was fake but the merchant refused to take it back (the whole episode took place within few hours, same day). Now he is still there and trying to file a police report but finding it very difficult. Here is my question (which might help others as well). I know the legendary AMEX purchase and return protection (mainly items bought in USA) but is there anything similar with Chase Visa card (in this case business card). He talked to a CSR and according to them, they can't do anything until charges are settled (take another day or two). Chase CSR seems to confused return protection with purchase protection (items lost or damages within 90 days).

Any thoughts or experiences?
Personal Finance Deals
Judgement appearing on credit history
Added on : Monday March 10th 2014 09:00:09 AM
g: -1 Posted By: CheapBustard
Views: 159 Replies: 1 Hi all. Newish landlord here. My first ever tenant took me to conciliation court over security deposit after I had not extended the lease . She did a lot of damage to the property so we did not want to re-sign. I was pretty confident that I made my case and was surprised when the judge played it safe and split the difference, awarding her $500. Knowing what I know now I should have appealed. At the time however, I just wanted to be done with the whole thing and did not want to waste another day in court. The way I read the court's letter I thought I had 20 days to appeal, after which the judgement is effective. So I paid the judgement within a week after the 20-day period. Now it shows up on my credit report and TransUnion score dropped by about 80 points (as seen via CreditKarma). I don't see anything saying "satisfied". I read that the judgement will stay on the credit report for 7 years. Is the score supposed to go back up if/when it gets updated as "satisfied"? Should I try to get credit bureaus update the record with "satisfied" or should I try to remove the judgment altogether asking for verification? I've been watching my credit score, pacing my CC applications and rental properties loans so this is definitely a big blow. Any and all advice would be highly appreciated.
Personal Finance Deals
Shamrockin Sale at Southwest Airlines Vacation + 3.5% Cash Back
Added on : Monday March 10th 2014 09:00:04 AM
g: 0 Posted By: FatWallette
Views: 222 Replies: 0
Save up to $160 when you book a flight + hotel vacation package to any Southwest Vacations destination. use coupon SPRING20Book 3/10-3/17 



More Offers from Southwest Airlines Vacations
3.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back Sale Ends 3/10/14.Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email  
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Question About Tenant Screening
Added on : Monday March 10th 2014 05:00:15 AM
g: 1 Posted By: LW409
Views: 133 Replies: 3 Hi all! I'm a new landlord and I'm looking for some advice from experienced landlords and property owners. I'm also wondering if any of you can recommend a good site for tenant screening. I'd like to run credit reports, background checks, etc. and I'm looking for a service that's reliable yet cost effective. Any recommendations?

Thank you!
Personal Finance Deals
door ding in parking lot, but I have other car's plate
Added on : Saturday March 08th 2014 01:00:09 PM
g: 0 Posted By: civ2k1
Views: 225 Replies: 6 I was parking in a parking structure this afternoon and there were no spaces available after driving all the levels. On the way down I found 1, but the guy was parked over the line.

I only planned to be gone for about 20 minutes, so it would be quick.

I was able to park leaving reasonable space on one side (where the neighbouring car that was parked in his space wasn't inconvenienced), and I climbed out of my car on the passenger side.

I took a couple photos of the car over the line and his plate just in case (should have listened to my inner voice and just not parked there).

Anyway, I just got back to my car and there's a pretty serious door ding (door panel is creased). I guess technically I can't prove it was that guy since I didn't see it happen. Should I waste my time reporting to my insurance (I'm assuming they can track the guy down based on the plate) or just suck it up because reporting to my insurance won't help and I'll end up with a claim on my record?

And I know, I was probably asking for it by knowingly parking there. Let's move on from that.

Edited to add: quite likely the door that hit me is a rental car, not sure if that helps, hurts, or doesn't matter. And I don't know how to post pics from mobile, but will do so later.
Discussion Deals
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/Public-Financial-Management-Emerging-Archi...

The first two decades of the twenty-first century have witnessed an influx of innovations and reforms in public financial management. The current wave of reforms is markedly different from those in the past, owing to the sheer number of innovations, their widespread adoption, and the sense that they add up to a fundamental change in the way governments manage public money. This book takes stock of the most important innovations that have emerged over the past two decades, including fiscal responsibility legislation, fiscal rules, medium-term budget frameworks, fiscal councils, fiscal risk management techniques, performance budgeting, and accrual reporting and accounting. Not merely a handbook or manual describing practices in the field, the volume instead poses critical questions about innovations; the issues and challenges that have appeared along the way, including those associated with the global economic crisis; and how the ground can be prepared for the next generation of public financial management reforms.
Books Deals

Amazon Coupons
g: 0 Posted By: elptrainerny
Views: 93 Replies: 1 I have a US Air Barclay Card. When I called to cancel due to annual fee, they agreed to waive it, which they did. 2 months later apparently I got late charges despite a 0 balance. It took me 2 months to realize, since I don't use the card and it should of been 0. The rep said it was something wrong with their system.

I called Barclays up today and they said it would take them 7-10 days to fix. The problem is it's already on my credit report and I go to closing next week.

What remedies do I have?
Question Deals
g: -1 Posted By: ctgolfer
Views: 169 Replies: 0 http://1sale.com/electronics/audio-gaming/grundig-amfmshortwave-...
Electronics Deals

1Sale.com Coupons
Tax on foreign property sale
Added on : Thursday March 06th 2014 04:00:09 PM
g: 0 Posted By: nkn
Views: 109 Replies: 0 Hi All,

I sold a house in my native country last year at a loss (in $ terms). I am not sure how to report it on my tax return. The house was never a primary residence and since it was in use by my family, I never earned any rental income on it. What I am looking for is which form should I use to provide this info on my return. I understand that I will not earn any tax benefits (deductions) even it was a loss. I have searched this on google but could not find any suitable solution.

-NA
Tax Deals
Is there a gift tax for the money I receive from overseas?
Added on : Thursday March 06th 2014 04:00:10 AM
g: 0 Posted By: fleetwoodmac
Views: 2 Replies: 0 My mom lives overseas and recently sold a property that she owned. She would like to send part of the proceeds which is about $150K to me.

I was wondering if I need to report this money or need to pay gift tax or any other tax associated with this money.

BTW, the property that was sold was solely owned by mom and nobody else. Also, my mother is not a US citizen.

Any inputs will be appreciated.

Thanks
On the horizon - RMDs for Roth IRAs?
Added on : Wednesday March 05th 2014 07:00:13 PM
g: 0 Posted By: wxl31
Views: 30 Replies: 0 Surprised this news hasn't exploded in the headlines yet, but President Obama proposed in his 2015 budget to "simplify" retirement accounts by requiring Roth IRAs to have required minimum distributions (RMDs). Of course, this will require congressional approval first, which is hopefully unlikely. But it does support the Roth doubters' belief that the government is not above altering the premise behind Roth accounts to suit their budgetary needs.

If this passes, it will significantly diminish the appeal of Roth 401ks, backdoor Roth IRAs and Roth IRA conversions, which will no longer be efficient vehicles for the transfer of tax-free wealth through inheritance.

Article text here:
http://www.theslottreport.com/2014/03/president-obamas-2015-budg...
Personal Finance Deals
Paid via "rent allowance" - any downsides?
Added on : Tuesday March 04th 2014 05:00:09 PM
g: 0 Posted By: pillsdoughboy1
Views: 83 Replies: 6 I am moving to a high COLA on my own will. In order to do this without needing to increase my pay my employer is willing to reduce my salary and pay my rent directly, $1500 or more,in the new location.

Besides reporting less income on a W2 can anyone share other downsides to this plan?

TIA
Real Estate Deals
Free Ebooks 3-4-14
Added on : Tuesday March 04th 2014 05:00:16 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: I did not find these books myself, they are from FreeEbooksToday.com

25 Days to an Organized Home Challenge: Revolutionize Your Life and Gain More Time
Rating - 4.5 (2reviews)

Join our 25 Days to an Organize Home Challenge, where you will learn the process for creating and maintaining your household organizational systems. Learn everyday tips and tricks for keeping your home organized, and create a stress-free, peaceful environment!

Green Cleaning: Natural Cleaning Tips for the Eco-Friendly
Rating - 4.5 (2 reviews)

Within the book, you'll learn about how to tell if products are truly natural or if they just say they are. You'll also learn how going green can affect those around you in all kinds of ways. See below for some more specifics you'll find within the pages:
How to stay green when it comes to landscaping
A simple way to make your own air freshener that can be used anywhere
Tools that can be used to stay eco-friendly
How to start with small changes and do more over time
How green cleaning can actually improve your health

Stunning Portrait Photography - Posing and Lighting! (On Target Photo Training)
Rating - 4.6 (144 reviews)

Stunning Portrait Photography - Posing and Lighting is everything you need to know to COMPLETELY master portrait photography!PLUS it is easy to read - easy to understand and so well illustrated that even the greenest of rookies will understand!Here are the Table Of Contents. Look at everything that is covered!Introduction
Arms - Elongating And Foreshortening
The Plane!
The 4 Positions Of The Upper Arm
The Forearm "Trap!"
The Hand - Bold and Tapered Poses
Bold Hand Poses - Masculine
Tapered Hand Poses - Feminine
Eleven Ways To Pose The Hands!
Use A Prop
On The Chin
At The Lapel Or Neckline
On The Hip
On The Opposite Arm
On Top Of - Or Behind - The Head
At The Waistline
In The Pocket
At The Side
On The Lap Or The Knee
Leaning On An Object
The Head And Shoulders Portrait
Positioning The Head
Full Face
Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position
Photographing The Face
Moveable Parts
The Pupil
4 Ways To Avoid Squinting And Closed Eyes
Shoot With The Light At The Subject's Back
Shoot Later In The Day
1 - 2 - 3!
Bounce Or Diffuse Your Flash
The Mouth
Emotions
Happiness
Anger
Sorrow
Fear
Lighting The Portrait
The Shadow In Portrait Photography
The "Short Light" And The "Broad Light" Patterns
The "Split Light"
The "Loop Lighting" Pattern
The "Rembrandt Light"
The "Butterfly Light" Pattern
The "Fill Light"!
The "Lighting Ratios"
The "Background Light"
The "Hair Light"
The "Accent Light"
The "Three Light Set" Using One Light!
Eliminate The Dreaded "Red Eye!"
The "Photographic Ground Modification System"
Additional Photo Training

Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
Rating - 5 (7 reviews)The three authors of this book had one goal for writing this book. They want you to FINALLY fix your credit. You will learn the basics of the credit reporting industry. Then they want to tell you an easy to execute plan on how to fix your credit. The authors have decades of experience fixing credit and helping people live the life they desire that requires great credit.This is the most up to date information available. When deciding which book to purchase, consider the publication date. The industry has significantly changed in the last few years, why use a plan from 2010?This information is current as of 2014.Here are the Benefits found in this book:
-Finally fix your credit!
-Give you simple templates so you can send effective dispute letters.
-Show you new techniques used by credit pros in 2014 Now you are the pro!
-Educate you on the credit industry.
-This book is concise. We want to tell you want you need to fix your credit. We wanted to do this in about 100 pages. Anything else would be fluff you dont need and waste your time.
Totally Free Deals
g: 0 Posted By: stopsignhank
Views: 239 Replies: 5 http://www.cbsnews.com/news/nj-teen-sues-parents-claims-they-kic...
MORRIS PLAINS, N.J. -- A bitter family battle was playing out in a New Jersey courtroom Monday, as an 18-year-old student has sued her parents claiming they kicked her out and demanded she pay for her own college education.
As CBS New York's Christine Sloan reported,Rachel Canning's parents could not believe it."We're being sued by our child," said Sean Canning, a former police chief in Lincoln Park, N.J.

"I'm dumbfounded, so is my wife, so are my other daughters.

"Rachel Canning is a cheerleader and an honor student at Morris Catholic High School in nearby Denville.In court papers, she alleged her parents abandoned her when she turned 18 and have now refused to pay for her to go to college - even though she has received acceptance letters from several universities.

But her father told a different story."I know Rachel is a) a good kid, b) an incredibly rebellious teen, and she's getting some terrible information," Sean Canning said.He claimed Rachel ran away from home in November because she did not want to follow house rules."Living in our house, there's rules," he said. "There's minor chores. There's curfews - when I say curfew, it's usually after 11 o'clock at night."

Rachel did not want to be interviewed Monday.

She is staying with the family of her best friend - which includes attorney John Inglesino.Inglesino is funding the lawsuit, telling CBS New York it is the only way the bright and focused teen will be able to go to a college appropriate for her to become a biomedical engineer.

Rachel, who has a $20,000 scholarship, said the University of Vermont is her first choice.

But Sean Canning said he is not refusing to pay for her college education."I reject the whole question on that -- the whole premise," he said. "We have a college fund that's available to her - there's no doubt about that.

But it's the equivalent ... of going shopping at a high-end store and sending somebody the bill."

Rachel has said she did not run away, but was given the option of dumping her boyfriend or getting out.

"Me and my wife are distraught," Sean Canning said.Both sides will be in court Tuesday.

Rachel Canning wants the court not to emancipate her, because under the law, a parent has an obligation to support any child who cannot stand on his or her own financially.Rachel also said every piece of financial paperwork she fills out asks her that question and shows she clearly doesn't have the means to support herself.

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
Discussion Deals
g: 2 Posted By: bru20
Views: 221 Replies: 0 Of course it will be YMMV but many reports of complete clearance of Nooks at Target. In store only. Online does not reflect clearance pricing.

I purchased a Nook HD 8GB for $64.50 two weeks ago and today got a Nook HD 16GB that was marked $74.50.

Double check all numbers. I think I got them right. I believe these are all 50% off. Some have seen higher clearance (30%) but none lower, yet.

Nook Simple Touch $29.50

DPCI 057-17-0005

Nook Simple Touch with GlowLight $39.50

DPCI 057-17-0042

Nook HD 8GB $64.50

DPCI 057-17-0060 (Smoke)
057-17-0061 (Snow)

Nook HD 16GB $74.50

DPCI 057-17-0062 (Smoke)
057-17-0063 (Snow)

Nook HD+16GB $74.50

DPCI057-17-0064



Tablets & iPads Deals

Target Coupons
consumerreports.org $22/year for online subscription
Added on : Saturday March 01st 2014 01:00:05 PM
g: 0 Posted By: nancita
Views: 505 Replies: 4 Been looking for a deal. Price is normally $30. No idea what this website is but go tohttps://www.consumerreports.org/cro/promos/marketing/affiliates/general/union-plus/union-plus.htm and there you go.
Magazines Deals
consumerreports.org $22/year
Added on : Saturday March 01st 2014 09:00:13 AM
g: 0 Posted By: nancita
Views: 211 Replies: 3 Been looking for a deal. Price is normally $30. No idea what this website is but go tohttps://www.consumerreports.org/cro/promos/marketing/affiliates/... and there you go.
Magazines Deals
$250 Bonus for opening a First Niagara Checking account
Added on : Saturday March 01st 2014 06:00:13 AM
g: 0 Posted By: Sashinator00
Views: 83 Replies: 1 link to Offer

First Niagara has a new promotion for those who open a new checking account and follow the requirements listed below. The fine print says that you can open either a choice, pinnacle, or pinnaclePlus but can't be the primary owner on another checking account.

How to get your $250 cash bonus**It's as easy as using your Pinnacle or PinnaclePlus Checking account. You can earn the $250 when you complete all three of the following within the first 60 days of opening your account.

Make a direct deposit totaling $250 or more.
Make ten debit card purchases.
Make five bill payments using Online/Mobile Banking.

Complete AnyOne: Earn$50total
Complete AnyTwo: Earn$100total
Complete AllThree: Earn$250total

**To qualify for a cash bonus, a new Choice, Pinnacle or PinnaclePlus checking account must be opened online through FirstNiagara.com.Criteria:Within 60 days of account opening you must complete at least one of the following with your new First Niagara account: direct deposits totaling $250 or more, or five (5) bill payments using Online/Mobile Banking, or ten (10) debit card purchases.Payment:$50 cash bonus for 1st completed criteria, additional $50 cash bonus for 2nd completed criteria, additional $150 cash bonus for 3rd completed criteria. Total cash bonus is up to $250.Timing:Applicable cash bonus will be deposited into your new checking account within 30 days from end of the month in which you satisfy offer criteria. Applicable bonus payments may be paid as one lump sum or as individual payments. Checking account must be open and maintain a positive balance in order to obtain the applicable cash bonus. Account must remain open for 180 days to avoid a $25 Early Account Closing fee.Cannot be combined with any other promotional rate or reward/bonus programs. Primary owner on the account cannot be primary owner on another First Niagara checking account. Not available to Trust or Estate accounts. All accounts subject to approval and applicable fees. Bank employees and members of their household are not eligible for this promotion. Bonus is considered interest income and may be reported on IRS 1099-INT. Promotion runs through 3/29/2014 and can be withdrawn at any time.Minimum opening deposit is $50 for Choice and Pinnacle checking and $500 for PinnaclePlus. Pinnacle checking is an interest-bearing account. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount by which Interest Rates may change. As of 2/1/14, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.
Personal Finance Deals
ZyXEL NSA320 Media Server $69.99
Added on : Thursday February 27th 2014 08:00:04 PM
g: 0 Posted By: kadixon
Views: 60 Replies: 1 ZyXEL 2-Bay Network Storage and Media Server with 3 USB and Gigabit Ethernet Ports!Great NAS drive I bought this during black friday and it's working great.The ZyXEL Media Server is more than just a central home media library! With the Polkastsupport, you can virtually take thousands of photos, videos and music with you, wherever you are.Enabling access to your personal data from anywhere is simple with ZyXEL. Just install the Polkast app on your smartphone and/or tablet, register through the app, enable Polkast in your ZyXEL Media Server and youre ready to roam freely with all your data at your finger tips.FEATURES



Network protocol: CIFS/SMB for Windows, NFS for Linux and Unix, DHCP client, PPPoE
Network application: Personal Cloud with Polkast support; Media server: DLNA 1.5 media server, UPnP AV server, iTunes server, SqueezeCenter support, Photo album server; Web server: FTP server, phpMyAdmin/MySQL/PHP, RSS client & server
Network application management: user & group management, package Management for setting up applications, one-click-hosting sites download manager
Network security: support HTTPS and FTPES (FTP over explicit TLS/SSL), encrypted NSA to NSA remote replication, encrypted NSA to external disk archive backup
Data management: Backup support: One-touch copy/sync button for external USB-capable devices backup, Instant/Scheduled backup, NSA to NSA synchronization/archive backup, NSA to external USB hard disk backup; Download/Upload support: Auto-download from FTP/HTTP/P2P download service, Scheduled download, One-Click hosting sites downloading, Auto-upload photos and videos to YouTube/Flickr/FTP server; File system support: Internal HDD: EXT4, External HDD: NTFS, EXT2, EXT3, FAT32, ReiserFS, XFS
System management: RAID 0, 1, JBOD, Online firmware upgrade, Self-Monitoring Analysis and Reporting Technology (S.M.A.R.T.)
Power control: Internal disk hibernation support, Scheduled power on/off/reboot, Wake-on-LAN support, System automatically resume after power outage, APC USB UPS monitoring and auto shutdown
Thermal management: Smart fan speed control, High temperature alert/buzzer, Auto shutdown while high temperature
Minimum System Requirements OS for utility: Windows XP/Vista/7 (32 & 64 bit); Browser: IE 7.0+, Firefox 3.6+, Google Chrome 10+, Safari 5+
Two 3.5" SATA I/II hard disk interface supported
One Gigabit Ethernet RJ-45 connector
Three USB 2.0 ports
Buttons: Power button, Copy/Sync button, Reset button
Smart fan design=inherit
Dimensions: 4.25 x 8.1 x 5.8
Weight: 2.3 pounds

Consumer Reports 1-Year Magazine Subscription - $19.99 AC at DiscountMags
Added on : Thursday February 27th 2014 05:00:11 AM
g: 0 Posted By: SieSilverStars
Views: 178 Replies: 0 The Consumer Reports Magazine 1-Year Subscription is on sale for $19.99 at DiscountMags Linky

Use coupon code FATWALLET to make the price go down.

Other Mag 1-year subscriptions available:
Popular Photography - $4.99 after coupon. Order up to two years.
O, The Oprah Magazine - $6.99 after coupon. Order up to three years.
Men's Fitness & Men's Journal Bundle - $8.99 after coupon. Order up to three years.


Magazines Deals

DiscountMags.com Coupons
Question about American Opportunity Tax Credit (finance related right?)
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: beardeus
Views: 112 Replies: 2 Hi,
I actually tried to register at some financial aid/ college forums but both forums I tried aren't allowing me to apply. Something isn't working correctly.

Anyways here is my scenario. My wife finished school Spring 2013. The school billed her for those expenses December 2012 but it is clear she had tuition expense for 2013 but the college is not stating that she did. I know, from the horses mouth regarding ANOTHER scenario (IRS), that schools don't always report tuition expenses on the 1098 form correctly. The tuition expense were paid through student loans.

My question, is my wife's schooling in 2013 eligible for the American Opportunity Tax Credit? She meets all the other requirements.

Thank you so very much!
Tax Deals
g: 0 Posted By: FatWallette
Views: 230 Replies: 0
Southwest Airlines Vacations offers affordable vacation packages to exciting destinations from coast to coast. From California to Las Vegas to Orlando, you can book a package including air (via Southwest Airlines), hotel and everything from car reservations to show tickets and attraction passes... all in one place, for one affordable price! We make vacation planning convenient and FUN with everyday low rates on vacation packages.Save up to $160 when you book a flight + hotel vacation package to any Southwest Vacations destination.book 2/25-3/10Use promo code: SPRING20

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1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back. Cash Back reported after travel is completedCash Back not available through "Air Only" or on Activity Only purchaseCash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.comFor Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this websiteReceive the Hot Deals and Offers Added Each Day by Email!
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Q: re: mortgage service transfer and account age
Added on : Tuesday February 25th 2014 08:00:10 AM
g: 0 Posted By: moneypyts
Views: 98 Replies: 0 I have a mortgage that originated in July, 2005. In July 2012 the loan servicer, Aurora Bank, was purchased by Nationstar, and I made subsequent payments to Nationstar rather than Aurora.
http://www.denverpost.com/ci_21006961/aurora-loan-services-begin...
https://www.moodys.com/research/Moodys-Servicing-transfer-to-Nat...

Initially, Nationstar reported the "date opened" as July 2005, but in Jan, 2014 they changed their reporting to all 3 credit bureaus and reported the "date opened" as July 2012. This erased 6 years of credit history from my reports. It seems to me that there is no justification for this, as Nationstar purchased the assets of Aurora, which included my loan, but in no way did their transaction affect the loan itself. (edited)

Does anyone know if there is an "industry standard" for loans transferring? Other loans I've had in the past always reported the original "date opened" after transferring.

And, when I call Nationstar to ask if they can re-age the account, what department do I ask for?

Thanks for any help or suggestions,
MP
Personal Finance Deals
Free Eco-Bag (tote bag) at Staples (B&M only, exp. 3/1)
Added on : Sunday February 23rd 2014 09:00:08 PM
g: 0 Posted By: chibear
Views: 109 Replies: 0 Free Eco-Bag (tote bag) at Staples
http://reg.e.staples.com/c/s/tagfrm/hBTCjcoB7SHGCB84cH3NuU$0Jzo/...

Free tote bag from Staples, in store only, through Saturday, March 1, 2014. Get the bag from customer service or a cashier, and then bring the bag and this coupon (or show on a mobile device) to check-out. The bag normally costs about a dollar, but with the coupon it is free, no tax, free out the door.

Bags are while supply last, they run out quickly.

You do not have to buy anything to get the free bag. If you wish you may buy things and get 20% off (see exclusions). But if all you want is the bag, if you use the coupon at checkout, there is no cost for the bag. No credit card necessary, no cash necessary, no membership necessary, no purchase necessary, just the coupon is necessary to get a free tote bag. The coupon does not say a purchase is necessary to get the free bag. In the past some FWers have reported that individual cashiers or stores make up their own rules and require a purchase. YMMV, but most FWers have received the free bag without purchase.

This posting is about the free tote bag; it is in Free Stuff area because this is free out-the-door. Separately, someone else has posted an item about the 20% off deal in Hot Deals.
Totally Free Deals
Tax question - Incorrect 1098-T due to rescinded GI Bill
Added on : Sunday February 23rd 2014 04:00:05 AM
g: 0 Posted By: medion
Views: 0 Replies: 0 For those taking the time to read this, thank you, and here's the situation. I went to school full-time from January 2013 - May 2013. Tuition was $3,250. The GI Bill paid it in full, plus paid me the housing stipend. As I finished the semester,I became aware of another VA program that could not run concurrently with the GI Bill that I was using, ran the numbers, and switched. The VA backdated this new benefit, calculated my retro payment, then debted me what they had paid in tuition, fees, books, and the housing stipend. Overall, I came out pretty far ahead (first two retro payments combined were over $10k AFTER accounting for the debt, which was taken out automatically).

Flash forward to today, and I get a 1098-T from the school saying that my entire tuition was paid for via scholarship. That's because it was, at the time. The VA has since had me repay that, but doesn't report it to the school. Even with my VA debt letter showing that I had to repay (and have repaid) the cost of tuition, the school will not send a corrected 1098-T. My understanding is the following;-I can input block1 of my 1098-T ($3,250 tuition paid) and put in a zero for block 5 (which shows $3,250 in scholarships received)

-The above will decrease the amount that I owe in taxes by roughly $2k, however,
-The above is very likely to trigger an audit, but the VA letter that I have should serve as proof and therefore get me off the hook.The above are based on some limited research and sem-educated assumptions. For those of you tax gurus out there, please tell me if I'm doing this correctly or if there is an alternative approach that I should be taking on this

.And to clarify - VA won't send a corrected letter to the school. VA won't recoup from the school, give me the money, and let me pay the school back. The school won't correct the 1098-T under any scenario except under that last approach I mentioned that the VA won't do. So, I've tried these approaches already. VA flat out told me to use their debt letter if audited.
Help with letter from IRS
Added on : Saturday February 22nd 2014 11:00:05 AM
g: 0 Posted By: Genius069
Views: 23 Replies: 0 Hello all,

Been a long time member here on FW but not an active participant here on the finance forum. I got a letter from an IRS and I figured this would be a good stepping stone on figuring out what to do next. I am also researching on my own at the same time (i.e. google).

None of the information in the letter is correct and we have not received any of the money that has been reported.

Letter:
I got a letter from the IRS with proposed changes to my 2012 form 1040 taxes and that I owe $969 because of the changes.

Changes to my Income and Deductions:
Non-employee compensation was increased.
Retirement Income taxable was increased.

The above to changes translated into the changes to my 1040.

Details of the change to my 1040:
Changes were made to the following lines of my 1040 for 2012
Line 43 (Taxable Income)
Line 44 (Tax Line)
Line 56 (Self employment tax)
Line 58 (Tax on qualified plans , including IRAs, and other tax favored accounts)
Line 61 (Total tax)

They have details on who reported the charges:
1. The entire amount for the non employee compensation was reported from the Social Security Administration - all of it is reported to my Wife's SSN. We should have gotten a 1099-MISC form but we never got one. Just a physical address is reported. No Phone.
2. The enter retirement amount is from State Street Retiree Services and again under my wife's SSN. Should have gotten a form 1099-R Distrib CD 1 but never got one. Just a PO Box reported. No phone.

I have 3 options in the letter:
1. Pay it move on - Not going to do this till I figure out what the money really is
2. File an extension - I would be responsible for interest for the extra time
3. Disagree - Submit proof it is not correct

What I have found so far:
1. State street looks like a financial service firm that helps corporations manage their retirement funds. I found a # for an office in Florida (where we live) but the one on the letter from IRS is based in Boston. Will try looking for a Boston branch and call Monday.
2. No idea where to start fort he Social Security Office. Neither my wife or I are retired and far from it. We are in our 30s and gainfully employed. Is there a portal to log into and see what payments are being made to my wife's SSN?
3. Should I call a tax attorney and just let them handle this? I am leaning towards a no because I would like to learn and resolve this.
4. My wife is a Social Security attorney and we thought some how the payments being to her firm were not reported correctly but that does not seem to be the case.

I am hoping some person wrote the wrong SSN. Worst case is identity theft. We are going to be pulling her credit report today. We looked at it about 3 months ago when we bought a car and did not see any unusual activity.

Thanks for the help in advance. Also if someone knows some other forum to get help from please let me know.


Tax Deals
Take loan for credit score purposes
Added on : Friday February 21st 2014 08:00:12 AM
g: -1 Posted By: Birdman0494
Views: 142 Replies: 3 Hi everyone I'm new to fw been reading the forums for a while.
my fico has ranged from 760- 705 due to my latest AOR

I've used discover, credit karma, credit sesame to track my score. I have about 20k plus in cl from
CCs. All my reports say not having installment loans are hurting my credit due to a lack of diversity.
All ccs are paid in full

what do you guys think of taking out and paying a small loan just for credit score purposes ? I'm sorry if this topics already been covered.
Personal Finance Deals
g: -1 Posted By: remick
Views: 265 Replies: 0 http://www.amazon.com/dp/B004HD5YMA

Debt Collectors are a Vital part of the American Economy and here are the numbers to prove it. Debt collectors have a bad rap but debt collection is Crucial to an efficient market economy.

Total consumer bad debt costs every adult in the US $683 every year. For the average non-supervisory worker thats nearly 54 hours of work (before taxes) a year. Outstanding credit card debt is nearly three quarters of one trillion dollars. Total consumer debt, including home mortgages, exceeds $9 trillion.

Starting a Collection Agency, How to make money collecting money by Michelle A. Dunn Winner of the New York Book Festival and Writers Digest Award. The only award-winning comprehensive book on how to start and manage a collection service. Everything from state laws to what kind of equipment you will need. Its chapters include legal requirements, licenses and regulations, where to find clients, fair debt collection practices, Fair Credit Reporting Act, skip tracing, buying debt, bad checks, and software.


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Amazon Coupons
g: 0 Posted By: FatWallette
Views: 286 Replies: 0
Southwest Airlines Vacations offers affordable vacation packages to exciting destinations from coast to coast. From California to Las Vegas to Orlando, you can book a package including air (via Southwest Airlines), hotel and everything from car reservations to show tickets and attraction passes... all in one place, for one affordable price! We make vacation planning convenient and FUN with everyday low rates on vacation packages.Get up to two complimentary show tickets when you book a flight + MGM Resorts Las Vegas hotel vacation package of three nights or more book 2/18-2/20 Up to $200 off when you book a tropical vacation package to Mexico and the Caribbean use coupon TROPESCAPEbook 2/11-2/24 Save up to 15% on Walt Disney World® Resort and Disneyland® Resort Theme Park Ticketsuse coupon DISNEY15 or DISNEY10book 2/11-2/24 $75 off when you book a flight and hotel vacation package for 4+ nights to St. Petersburg/Clearwater use coupon SUNNY75book 2/11-2/24 



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1.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back. Cash Back reported after travel is completedCash Back not available through "Air Only" or on Activity Only purchaseCash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.comFor Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this websiteReceive the Hot Deals and Offers Added Each Day by Email!
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g: 2 Posted By: bru20
Views: 551 Replies: 0 A few of these seem decent.Of course you have to have a Frys nearby as these are in store only.
The price listed is after using in store code. Some report being able to order for store pickup, you card doesn't get charged and then when in store you can apply coupon code. YMMV on this.

Sign up hereto get promo codes emailed.

Patriot 64GB USB 2.0 Flash Drive
In store ad price 26.99
$19.99 after Promo CODE
Product link

Logitech K360 Wireless Keyboard
Reg. $19.99
$7 after Promo CODE
Product link

AT&T Prepaid Nokia Lumia 520
In store ad price $49.99
$39.99 after Promo CODE
Product link

Electronics Deals
Dell Inspiron 3000 i3-4130 Small Form Factor just $349 FS
Added on : Monday February 17th 2014 07:00:09 AM
g: 0 Posted By: fatgempler
Views: 157 Replies: 0 Let's see if FW thinks this is a report and kills it too...
Dell 'Doorbuster' deal, only good for less than 48 hours...
Dell Inspiron 3000 small form factor desktop computer.
4th Generation i3-4130 (passmark of nearly 4,000), 4gb ram, 1tb hard disk, Wireless N, Bluetooth, Keyboard, Mouse, Windows 8, just $349 with free shipping and 4% Cash Back.
http://www.dell.com/us/p/inspiron-3647-small-desktop/pd?oc=fddns...

Desktop Computer Deals

Dell Consumer Coupons
g: 1 Posted By: bru20
Views: 186 Replies: 0 A few of these seem decent.Of course you have to have a Frys nearby as these are in store only.
The price listed is after using in store code. Some report being able to order for store pickup, you card doesn't get charged and then when in store you can apply coupon code. YMMV on this.

Patriot 64GB USB 2.0 Flash Drive
In store ad price 26.99
$19.99 after Promo CODE: 7251562
Product link

Logitech K360 Wireless Keyboard
Reg. $19.99
$7 after Promo CODE: 2251867
Product link

AT&T Prepaid Nokia Lumia 520
In store ad price $49.99
$39.99 after Promo CODE: 7157597
Product link

Electronics Deals
Rewards for reporting software piracy
Added on : Sunday February 16th 2014 08:00:11 AM
g: 0 Posted By: cameron2003
Views: 75 Replies: 0 If you are working at a company that doesn't pay their softwarelicense fees, here's your chance to profit:

https://reporting.bsa.org

~~Reward Payment Guidelines
Settlement paid by Company Potential Reward payment
$15,000 - $100,000 Up to $5,000
$100,001 - $200,000 Up to $10,000
$200,001 - $400,000 Up to $20,000
$400,001 - $600,000 Up to $30,000
$600,001 - $800,000 Up to $40,000
$800,001 - $1,000,000 Up to $50,000
$1,000,001 - $2,000,000 Up to $100,000
$2,000,001 - $3,000,000 Up to $150,000
$3,000,001 - $5,000,000 Up to $250,000
$5,000,001 - $10,000,000 Up to $500,000
$10,000,001 - $15,000,000 Up to $750,000
Over $15,000,000 Up to $1,000,000

Personal Finance Deals
Nook 7" HD 8GB $99 (or lower YMMV) @ Target
Added on : Sunday February 16th 2014 03:00:05 AM
g: 0 Posted By: bru20
Views: 262 Replies: 0 Target has the Nook HD 8GB for $99 in its ad.

Link

Note that several report getting this for $64.50 on clearance (50% off reg. $129.99 price). This part is definitely YMMV.


Tablets & iPads Deals

Target Coupons
$75 from US Bank, So. CA
Added on : Wednesday February 12th 2014 03:00:22 PM
g: 1 Posted By: snork615
Views: 249 Replies: 0 Open new checking acc. with > $75 (nominally acc. minimum $25) and conjoined savings acct. with $25. Free checking ifyouhave US Bank credit card, or direct deposit a certain amount, or maintain >$1500 in checking.Debitcard coming in mail will reimburse $75 off spending if used for this amount or more in 1st month. Easy to open, Chex report.
May be geographically limited, found in Ralph's supermarket branch. Is also a systematic savings plan which can nominally approximate 5% on small amounts transferred from checking which have not tried.
Deposits Deals
Redbox's Anti-Valentine special; rent select movie, get free game rental
Added on : Wednesday February 12th 2014 03:00:15 PM
g: 3 Posted By: iowahawkeye
Views: 593 Replies: 3 http://www.redbox.com/onlinepromo?icamp=hp:pa:antivday:2:10:2014

HAPPY UN-VALENTINE'S DAY
"Sick of romance? Rent one of these Cupid-crushing movies, and you can add a select anti-Valentine game FREE for the first day."

Qualifying movies:
Carrie
Ender's Game
Riddick
Fields of the Dead
Hauntingof theInnocent
Rush
You're Next
Kick-Ass
Prisoners
Europa Report
Cottage Country
Deranged
Voodoo Possession
Fast and Furious 6
Exit to Hell
Hell Baby
Mischief Night
Ritual
The Wolverine
Insidious 2
The Underneath
Getaway
Elysium
2 Guns
Man of Steel
Trail of Blood
The Conjuring
Pacific Rim
White House Down
The Purge
........................


I don't know what games are offered with this promo.







Movies Deals
IPad Air 16gb wifi at Staples - $479 and $25 Staples Gift Card
Added on : Wednesday February 12th 2014 03:00:11 AM
g: 4 Posted By: bigBadwolf25
Views: 262 Replies: 1 I did not see this posted so I figure I let people know. I am going to try to pricematch the $479 with Microcenter's $459 and I will report back.

http://www.staples.com/Apple-iPad-Air-with-Retina-display-with-WiFi-16GB-Silver/product_310346
iPads Deals

Staples Coupons
Getting collections removed from my CC by paying them off, any advice?
Added on : Tuesday February 11th 2014 12:00:19 AM
g: 0 Posted By: SweetBearCub
Views: 79 Replies: 3 Greetings.

In total, I owe about $2,000-$2,500 in collection accounts on my credit reports. Though I have several credit cards open in good standing, my credit remains in the low to mid 600's, and I am hoping that paying off all of my collection accounts will raise that score. However, I have heard that collection companies will not necessarily remove collection accounts from a report after payment, but only mark them as paid. I would prefer that they get removed entirely.

I owe about $862 to a creditor, and received a settlement offer of $362, if I pay it within the next 9 days. Should I take this offer? Should I first send some kind of agreement that the collection account be completely removed? How should I word it? What are the chances that the collection agencies would agree to it?

Also, the $500 off offer only applies to this one specific creditor right now. Are my chances good that if I offer other creditors a similar unsolicited offer of 40% of the original debts and a similar "remove completely" agreement that they will accept?

Thanks!

New User Question Deals
Advice Requested: Structuring Car Insurance in the Family
Added on : Monday February 10th 2014 06:00:16 AM
g: 0 Posted By: EricGo07
Views: 47 Replies: 1 Hi all,

I am seeking help in how to arrange car insurance within my family with a car that has both personal and business use.

Background:I live in NM, but will work in OR about 7 days a month. I want to leave a car I currently own in OR for that reason, although for other reasons too as detailed below. The car's business use will be reported to my self-owned business for tax purposes.
My daughter is a student in OR, set to graduate in May. Shewill take a job there as of ~ June. I presume that means she will becomean OR resident. In 2013 she was part of my 1040 tax return, and I claimed her as a dependent. I am unsure if her status will change in 2014.
I want to give her use of the car in the weeks I am not in OR, but I do not want her on my car insurance policy.

I am happy to sign the car title over to my daughter, but I presume that would interfere with my business expense.

Perhaps she can take title, but lease me the car periodically ? How would car insurance be handled ?

Thanks!
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 http://1sale.com/electronics/other/shareport-mobile-router/
Computers Deals

1Sale.com Coupons
My parked car got destroyed.
Added on : Friday February 07th 2014 03:00:20 PM
g: 1 Posted By: freebirdy
Views: 91 Replies: 1 Came home to see my 2013 Accord dragged from its parking spot by a truck. It probably happened few minutes before I arrived, honestly I have no idea how the truck pulled my car from its parking spot.

What I need to pay attention to? Anything important that I may have missed?

Here are the details:

The car is financed by honda financial, insured by Geico with $500 deductible. I have gap insurance. I bought the car in Jun'13.

The truck is rental, the cop came and said that he will put "RENTAL" in the insurance box. He wrote down the truck's driver license info. I'll have a police report on Monday (and I need to pay $10 for it).
The cop called a tow away company and they took the car to their shop. Most likely my car is totaled, the truck was stuck and they caused a lot more damage when the cop directed the truck's driverto pull away from my car.

Pictures: http://imgur.com/a/FAG56

Discussion Deals
g: 0 Posted By: ArtieLange
Views: 202 Replies: 0 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort $29.99 shipped w/code EMCPHPC87 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16833127379&...






OverviewEliminate wireless dead spots and unleash comprehensive whole-home coverage on all your devices, all at once the Whole Home Router 1000 is designed to handle large home networks. SmartBeam sends focused beams of bandwidth to individual wireless devices simultaneously, and delivers uninterrupted connectivity to any device, anywhere in your home. Theres a SharePort Plus for streaming USB devices and with 4 Gigabit Ethernet ports, you can connect your favorite entertainment devices as well, and give them up to 300 Mbps speed and advanced QoS bandwidth prioritization they need for seamless HD video streams, high-performance gaming, and VOIP calls without annoying glitches or lags.
Give Your Wireless Devices The Bandwidth They Crave. Give Them SmartBeam.Build a wireless home network capable of delivering the bandwidth to handle HD video streams, large media file downloads, and online gaming to multiple devices, simultaneously. SmartBeam uses 6 multi-directional antennas to find and track individual devices , then focus beams of bandwidth to those devices, ensuring a seamless connection anywhere in the home. Ideal for large homes or small offices where concrete walls, successive floors in multi-storied buildings, or other architectural impediments can weaken a wireless signal, SmartBeam is designed to handle large home networks and can even power devices across large backyards. Eliminate wireless dead spots and unleash comprehensive whole-home coverage on all your devices, all at once the Whole Home Router 1000 is provides uninterrupted connectivity to any device, anywhere in your home or small office.
Now Playing: Everything.The Whole Home Router 1000 has not only been engineered to deliver seamless connectivity to your favorite wireless devices, but comes equipped with 4 high-performance Gigabit Ethernet ports to power your digital entertainment system as well. HDTVs, the Boxee Box by D-Link, Blu-Ray Players, xBox 360, Playstation 3 Connect your favorite performance devices and give them the 300 Mbps speed and advanced QoS bandwidth prioritization they need for seamless iPad HD video streams, high-performance gaming, and VOIP calls without annoying glitches or lags. Connect Printers, NAS servers - even security cameras - Shareport Plus USB 2.0 lets you stream from any USB device.
Advanced Home Networking. Simple SetupHigh-performance entertainment devices. Wireless signals anywhere in your home. Multiple laptops. Network storage systems. iPads, iPhones It used to be that designing a home network capable of handling so many devices required some serious hardware and some seriously messy installation. Not with Amplifi- the Whole Home Router 1000 has not only been engineered with the power to handle all of your digital demands, but with the smarts to put it at the tip of your fingers. Whole Home Routers offer Wireless G backwards compatibility. IPv6 allows for intelligent self-detect and router setup and with push-button connectivity and 128-bit security encryption standard, a secure home network is as simple as plug and play.
128-bit Security EncryptionThe Whole Home Router 1000 protects your network with 128-bit AES data security encryption the same technology used in E-commerce or online banking. Create your own network name and password or put it at the tip of your fingers with Push Button Security standard on every Amplifi device.
Get Ready for the Future - IPv6 EquippedWith the growing number of Internet-enabled applications requiring IP addresses, the supply of IP addresses under the current Internet Protocol version 4 (IPv4) system has already been exhausted. The IPv6 protocol solves this network addressing exhaustion by creating more IP addresses, but migration from IPv4 to IPv6 is not necessarily automatic. No worries - This D-Link product is IPv6 Certified and ready for the future.

Routers Deals

Newegg Coupons
g: 0 Posted By: ArtieLange
Views: 143 Replies: 0 TP-LINK TL-WR702N Wireless N150 Travel Router, Nano Size, Multifunction, 150Mbps $14.99 shipped w/code EMCPHPC86 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16833704134&...



The TL-WR702N is designed for use with tablets, smart phones, handheld game consoles and other portable electronic wireless devices. The device, which can be powered by an external power adapter or USB connection to a computer, can conveniently connect to the internet and share the connection around an average sized room at 150Mbps.The devices tiny size makes it ideal for use on the road and is powerful enough to satisfy almost any basic wireless application requirement.Portable and CompactIdeal for Home and Travel UseTL-WR702N is the smallest wireless router in the world and very easy to use. A traveler need simply plug a hotel rooms WAN cable into the port provided and enter a default password to instantly create a wireless hotspot in the room.

Flexible Power SupplyEasy to Take on the RoadTL-WR702N has a Micro USB port and can be powered by an external power adapter or via a USB connection to a computer. When traveling, users can plug the TL-WR702N into their computers USB port and share their Wi-Fi connection with family and friends.
Multiple Operating ModesTL-WR702N supports AP, Router, Bridge, Client and Repeater modes to enable various wireless applications to give users a more dynamic and comprehensive wireless networking experience.
Advanced SecurityTL-WR702N provides WPA-PSK/WPA2-PSK encryptions, which can effectively and efficiently protect the wireless network. What makes the nano router more powerful is its Pre-Encryption function which sets the initial SSID and Password for users to protect their wireless security.


See More:
Datasheet
Warranty

Features

Compatible with IEEE 802.11b/g/n
Wireless speed up to 150Mbps
Compact and portable, small enough to take on the road
Powered through a micro USB port by an external power adapter or USB connection to a computer
Compatible with almost all 2.4GHz Wi-Fi devices
Supports AP, Router, Client, Bridge and Repeater operation modes
Supports WEP, WPA/WPA2, WPA-PSK/WPA2-PSK encryptions

Application GuideAP Mode (Default)Definition: The TL-WR702N is connected to a wired network and transforms the wired Internet access into wireless so that multiple devices can share the Internet.Application:
1.Office, hotel and places where only wired network is available.
2.LAN gaming party, small meeting and other situations where a temporary wireless network is needed.

Repeater ModeDefinition: The TL-WR702N copies and reinforces the existing wireless signal to extend the coverage of the signal. So the network name(SSID) and password don't change. This mode is especially useful for a large space to eliminate signal-blind corners.Application: Large house, office, warehouse or other spaces where the existing signal is weak.
Client ModeDefinition: The TL-WR702N is connected to another device via Ethernet core and acts as an adaptor to send/receive the wireless signal from your wireless network.Application: For a Smart TV, Media Player, or game console with an Ethernet port. Use the 702N to make your devices Wi-Fi enabled, granting them access to your wireless network.
Router ModeDefinition: The TL-WR702N is connected to a DSL or cable modem and works as a regular wireless router.Application: Internet access from DSL or cable modem is available for one user but more users need to share the Internet.Bridge ModeDefinition: The TL-WR702N borrows existing wireless Internet and broadcasts it using a different network name(SSID) and password. This application can create two individual networks for two groups of users sharing one Internet.Application: Small restaurant, shop, bar, home, office and others where Internet service needs to be provided for guests without revealing the password of the existing network for hosts.

Routers Deals

Newegg Coupons
Best way to liquidate collection?
Added on : Monday February 03rd 2014 05:00:10 PM
g: 0 Posted By: yorkie345
Views: 154 Replies: 2 Over the years I've accumulated a basement full of stuff that I want to start selling off to fund my retirement. The problem is I'm about 5 years away from retiring but I have so much stuff I want to start now. The other problem is the field that I work in would consider this a conflict of interest and if found out I would probably lose my job. I won't get into details but let's put my situation at something like I fix appliances and have amassed a ton of parts and appliances that I've accumulated over the years. Customers would be getting rid of their old stuff and I would take it off their hands and keep parts or refurb entire products. I've also kept my eye on Craigslist for a very long time and have amassed most of it that way although there's no proof that I have. I'd buy broken appliances for pennies on the dollar and fix them up and store them in my basement.

I was thinking of going the eBay route, forums, and having my nephew make a web site (his day job) to showcase everything as another means to sell. Reading recently about the $20k Paypal and getting that reported to the IRS got me thinking. What would be the best way for me to sell this stuff with minimal tax implications or no tax implications? I purchased everything as an individual with post tax dollars so I do not want to get taxed again if I were to create an LLC. It's a pretty large collection I have (6 figure$). I do have an eBay account but my account name is the same as my well-known e-mail address. So I was thinking if I did some ebaying that I would create a new account and a store with that account and tie it to a new Paypal account. With Paypal is there any way to use my current account and hide my name and give it some bogus company name or do I have to go legit with that?

I have no idea what to do.
Personal Finance Deals
Chex Systems -- What is it and are there any worries?
Added on : Monday February 03rd 2014 12:00:10 PM
g: 0 Posted By: debentureboy
Views: 93 Replies: 1 I recently decided to get a free copy of my Chex Systems report. It shows some interesting things and begs some questions. Is there a CS expert in the house?

Similar to other reports, they've got 8 addresses for me, all but two of which are twists and flips of where I've really lived. Really, guys? You can't get apartment 2078 right? (shows up as ap, ap 2, #2...)

I've had 15 inquiries in the last year. That's all they gave me -- the last year. I assure you I've had the habit much longer than a year. Their own guidance says that my record can be pulled back as long as 10 years (for negative stuff) and they keep and report for 3 years on non-negative stuff (such as inquiries)... Why only give me the last year? I called (SORRY!!!!) and they said that was all they had on me. Again, I assure you I've had the habit much longer than a year. Is this the result of the CS equivalent of B*? There were several accounts that I opened in the last year that did not show up -- a regional Southwest bank, BBVA Compass are a few that I opened, but don't see an inquiry for. Anyway, I called and asked about only a year of data and the CS rep (India?) said that was all they had on me. OK!

I have 8 non-derogatory records. I wonder what that means? They tell me to write my request down, mail it to them and they'll forward it to Lexis-Nexis. I may do that after a few more checking account bonuses... IF I get some spare time. Zero derogatory records, just in case anyone was curious.

They tell me I've ordered one set of checks in the past three years (and it was about 3 years ago). Hmmm... that must mean the stacks of checks I received from Chase don't actually exist. I'll be sure and share that with Chase next time I see them.

Inquiries seem to come in two types, similar to credit inquiries -- initiated by me (seems to count more), initiated by others (pre-approved offers and the like). Just like hard / soft credit pulls, they say the "soft" inquiries do not affect my score nor are they visible to future providers. Some of my recent prepaid debit card providers did a pull, many did not. Some of the prepaids that have savings accounts associated with them did not make an inquiry. Interesting.

Some banks pulled for every account opened -- savings, checking, CD. Others did one pull for several accounts.

I have a "wealth index" of 4 on a scale of 0 to 6. They tell me this is based on water craft, aircraft and property asset records (Cars were not listed. I don't get credit for driving a decade old Buick?????). I'm guessing the FWF crowd is often mis-represented on THIS scale! The "big hat, no cattle" guys shine here!

They will kindly provide me with my CS score for the low-low price of $10.50. I hope they will take a (rubber) personal check ;^) I'll get a check in the mail to them and report back here.

SO.... I'm really most interested in getting a collection of real examples of AA that anyone's had from too many CS inquiries. (I'm not too interested in AA as a result of overdrafts, write-offs, etc... but if you feel compelled to share, post away!). (I've recently had Simple Bank deny me an account due to too many CS inquiries, so I know that can happen...) Can too many CS inquiries result in AA from other providers? (existing accounts)

Anything I'm missing on the whole CS process?

Thanks in advance!





Discussion Deals
g: 0 Posted By: jaymanthegreat
Views: 184 Replies: 0 10-Movie Mega Pack, Vol. 3 (Full Frame) $4.00

You Save: $10.99 (73%)

Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it."
"Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man.
"The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars.
"Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again.
"The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events.
"Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered.
"Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another.
"Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian.
"Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man.
"The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.
http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
DVD Deals

Walmart Coupons
Valentine's Day (Widescreen) $4.00 @ www.walmart.com
Added on : Sunday February 02nd 2014 09:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 26 Replies: 0 Valentine's Day (Widescreen) $4.00
You Save: $10.99 (73%)
Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it." "Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man. "The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars. "Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again. "The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events. "Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered. "Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another. "Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian. "Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man. "The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
g: 7 Posted By: neomatrixviper
Views: 1693 Replies: 9 This LG Washer Model WT5070CW was among the top rated top-loading washer at Consumer Reports. It lists for $899 and is now on sale at Home Depot, Best Buy and Lowes for $809. Frys.com has this on sale for $599 for store pick up. I just did a Price match at Lowes and they beat the price by 10%. Final price for me was $539 plus tax. You need to have a local Fry's store to price match. Also, you can try to use a 10% Mover's coupon from the Post Office but this is YMMV. My local Lowes will not accept another coupon after the price match and extra 10% off.http://www.frys.com/product/7001581

Matching Gas Dryer -LG DLGX5171W 7.3 Cu. Ft. Ultra Large Capacity SteamDryer went down to $649 when added to cart. So less 10% at Lowes.

http://www.frys.com/product/7001601

Matching Electric dryer - LG DLEX5170W 7.3 Cu. Ft. Steam Electric Dryer went down to $599 when added to cart. Less 10% at Lowes.

http://www.frys.com/product/7001591

Appliance Deals

Lowe's Coupons
2013 bank account opening bonuses not reporting on 1099
Added on : Saturday February 01st 2014 08:00:06 AM
g: 0 Posted By: BingBlangBlaow
Views: 59 Replies: 3 OP:
Continue fromhttp://www.fullofdeals.com/forums/finance/1233207/

This was the 2012 Black Friday deal for $125 checking account and $125 sharebuilder account (as well as a couple other bonuses). The bonus posted in early January 2013. My Capital One 1099 for the checking account does not include the bonus (but the savings account from 4th of July deal does include the $76 bonus). I looked at my sharebuilder account and it does not look like the $125 for that was coded as interest either. Is anyone else experiencing the same?

Edit:
Changed the subject to be generic and not just ING/Cap 1. I also received a 1099 for GTE which does not include the bonus and have no 1099 online for my 5/3 account and the tax center says I received no interest in 2013. I previously opened a 5/3 account in 2011 for a bonus and did receive a 1099 for it.

Original GTE thread:http://www.fullofdeals.com/forums/finance/1240871/

Original 5/3 thread:http://www.fullofdeals.com/forums/finance/1278057/
Deal 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: neomatrixviper
Views: 176 Replies: 0 This LG Washer Model WT5070CW was among the top rated top-loading washer at Consumer Reports. It lists for $899 and is now on sale at Home Depot, Best Buy and Lowes for $809. Frys.com has this on sale for $599 for store pick up. I just did a Price match at Lowes and they beat the price by 10%. Final price for me was $539 plus tax. You need to have a local Fry's store to price match. Also, you can try to use a 10% Mover's coupon from the Post Office but this is YMMV. My local Lowes will not accept another coupon after the price match and extra 10% off.http://www.frys.com/product/7001581
Appliance Deals

Lowe's Coupons
BBVA Feb Promo For Businesses - Get a Tab 3 and No DD Requirement!
Added on : Friday January 31st 2014 01:00:06 PM
g: 0 Posted By: forbin4040
Views: 99 Replies: 0 As before as 1/31 ends the Kindle promo, the new promo is a Samsung Galaxy Tab 3 with NO Direct Deposit Requirement
Must be a 'Business Account'
Expires 2/28

http://www.bbvacompass.com/special/201312/samsung/

Please review the following information to understand how to qualify for the Samsung Galaxy Tab 3. BBVA COMPASS CLEARCONNECT FOR BUSINESS AND BBVA COMPASS CLEARCHOICE FOR BUSINESS CHECKING: New small business customers may be eligible to receive a new account bonus of a Samsung Galaxy Tab 3 7.0-inch (Wi-Fi) (the bonus). To qualify for the bonus: (1) Open a new BBVA Compass ClearConnect for Business checking account or BBVA Compass ClearChoice for Business checking account between 1/13/2014 and 2/28/14, AND (2) Make ten (10) customer initiated monetary transactions of at least $25 each (other than account transfers) during each of the first two thirty (30) day periods after account opening. Accountholder must make ten (10) qualifying transactions from the new checking account during the first thirty (30) day period after account opening and another ten (10) qualifying transactions from the new checking account during the second thirty (30) day period after account opening. Within ninety (90) days of meeting these requirements, your bonus will be shipped via UPS to the address registered by the branch at account opening. Address for shipping must be a U.S. address. Signature will be required at time of delivery. Galaxy Tablet is a trademark of Samsung. Galaxy Tablets are given away on behalf of BBVA Compass. Samsung is not a sponsor of nor affiliated with this promotion. Offer valid only for new small business checking customers with no existing or prior BBVA Compass business checking accounts of any type. BBVA Compass employees, relatives, and household members are not eligible. Only one bonus per eligible business household. Accounts must be open and in good standing at the time bonus is mailed. Offer is subject to change without notice. Offer only available while supplies last. BBVA Compass may report the value of funds earned through this offer to the IRS as required by law.
Deal Deals
Roth IRA over funded refund
Added on : Tuesday January 28th 2014 06:00:06 PM
g: 0 Posted By: Greatness
Views: 59 Replies: 0 Last year, I overfunded my Roth IRA due to income limits. Therefore, I requested a reversal of my 5500.00 I deposited into my Roth IRA. Nonetheless, there was a $139.00 profit on the deposit. I received a 1099 from the Roth IRA brokerage. How do I report this on my return? I normally use TurboTax for my taxes.

Thank you.
Personal Finance Deals
Tax question: income repayment
Added on : Tuesday January 28th 2014 09:00:12 AM
g: 0 Posted By: Xnarg1
Views: 172 Replies: 2 In 2013 I left my old job for a new one. As a condition for leaving my old job, I had to pay some money back to them (which was received as income), which I did and was repaid in 2013:
My old employer said: This letter confirms that your debt obligation to XXX Inc.for the amount of $XX,XXX.00 hasbeen paid in full. As originally reported, this overpayment occurred in 2013. You will not file an amended tax return for the year of overpayment and thus a W2C forthe year of overpayment will not be needed or processed. According to IRS Publication 525, you may be able to deduct the amount repaid from your income for the year in which you repaid it. Please refer to IRS Publication 525 and if necessary, consult your tax advisor.

The W2 I got from them includes my original pay only (does not include me paying them back) - so how do I subtract out what I paid them back? As far as I can tell, Pub 525 lists two ways to do this:

Form 843 - this does not seem like what I need.
Schedule A - deduct it as a miscellaneous deduction.

I am uncertain whether I am interpreting these correctly or if there is yet another place to put it. I don't think I can just adjust the W2 myself since it will then not match with what my employer sends the IRS.

I generally use TaxAct, but I also want to know where to put it instead of just entering a number somewhere (perhaps erroneously) and having the software magically just take it off.
Tax Deals
g: 2 Posted By: jaytrader
Views: 234 Replies: 14 I'll be the first to admit that this is not directly related to finance, but rather indirectly. I just got hit by a potentially huge issue last night, after connecting some dots.

See facts below.

Fiancee's father opened LLC in her name in 2004 (she was/is the sole member) because the father is in a union and cannot have his own company (to bill out side jobs) doing the same line of work he performs in his union.
Fiancee and I are getting married toward the end of this year (2014). Fiancee's father recently contacted her to help him write up an invoice for a decently high valueside job.
I dug a bit deeper and realized no income has ever been reported on behalf of the LLC, nor has any of her tax returns shown business income. It is unknown if he's ever utilized the company for billing purposes before recently.
Her father claims he "gets a W2 from [his] clients and puts it on [his] tax return." Anyone with half a brain knows this is impossible (he's not a member of the LLC), not economical for the client(s) (1099 vs W2), and would prove that he's doing side work to his union if he were ever "audited" by the union.
I looked online last night, and the state government site says the LLC is "ACTIVE" and she is listed as the DOS Process contactand Registered Agent.
In my opinion, the fact that there is now an invoice with the LLC name on it shows that there was work done by the company and poses an insurance liability.
Based on what I know about her father, the company has no insurance at all.


I know damn well that I'm not paying taxes on revenue that I didn't see/create. Not to mention, there is possible tax evasion/fraud that has happened in the past (whether intentional or not, doesn't matter). Also, there is now a potentially huge risk/liability, should any of the work her father (or his laborers) performed become faulty or fail and cause injury or death.


Questions

What do I do? I want to protect myself (meaning, want her off the company before we're married) as well as her ASAP.
Is thererisk regarding the work failing and causing injury or death, or am I incorrect? If so, who's at risk? The company or her father directly?
Is there past tax evasion/fraud risk? She had no knowledge about his use of the company up until the last week. She knew she was once on the company, but was told last year that her father "thinks she's no longer involved."
Am I paranoid? I know people do this type of thing often, but involving your kids for ten years and then billing on behalf of the child's company (legally/technically) is shady (IMO, of course).


I am prepared to dissolve the LLC and let her father be butt hurt over it, if I have to. The alternative is to push off the wedding until this is resolved. I told my fiancee that I'm not going to willingly marry her when she's part of this. I know she would never do something like this intentionally, and she told me that she didn't know any better when she signed the paper work in 2004. However, she now knows, and I told her this could potentially be a huge issue for her and her father, should anyone get audited or his clients get audited.

Thanks in advance.

Personal Finance Deals
Virgin Mobile AWE $40 - Keep your $25 Plan
Added on : Monday January 27th 2014 02:00:09 PM
g: 0 Posted By: knowit2
Views: 101 Replies: 0 Saw the VM AWE at Target for $40.
Many are reporting that this phone can be activated while keeping the $25 plan.
This is a CDMA phone that uses the Sprint Network.


Link showing $99 - $40 in the store
Cell Phones Deals

Target Coupons
Tax on lottery winnings
Added on : Monday January 27th 2014 01:00:08 PM
g: 0 Posted By: TedMetro
Views: 28 Replies: 1 So I won 10,000 on freelotto.com last year and as part of the prize claim process I had to send them a notarized form with name, address, ssn.

Will they send me a w2 or other form if they are reporting that to the irs? Should I just assume that it is reported even if I don't get a form?
Tax Deals
BBVA Bank Open Account get Free Kindle Fire 7" HD
Added on : Monday January 27th 2014 08:00:11 AM
g: 1 Posted By: forbin4040
Views: 151 Replies: 1 Of course BBVA has been having these types of specials all year (The Samsung Galaxy Tab 3 was notable) but I didn't see a current one posted.

But you are nearby to one

Kindle Fire HD 7" (Last Years Model) 8gb
1 DD of $300 or more
3 Online Payments of at least $50.
New Customers only.

And Yes they will run your credit and yes they will 1099 you.

http://www.bbvacompass.com/special/201401/kindle/

Offer is valid only for consumers who have not had a BBVA Compass consumer checking account within the last 90 days. Customers who open an Easy Checking account are eligible for this offer. NBA Checking and ClearConnect Checking accounts are not eligible. Checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. A qualifying bill payment is one that you schedule through your BBVA Compass Online or Mobile Banking profile and is paid by the deadline. Person-to-person (Pay People) payments and wire transfers do not qualify. Once the required activities have been completed, the 7 8GB Kindle Fire HD will be shipped via courier within 60 days to the checking account statement address. Signature will be required at the time of delivery. The account must remain open and be in good standing at the time the bonus is shipped. BBVA Compass employees and household members are not eligible. There is a maximum of one (1) bonus per household. BBVA Compass may report the value of the Kindle Fire HD to the IRS as required by law. Kindle, Kindle Fire, Amazon, and the Amazon Kindle logo are trademarks of Amazon.com, Inc. or its affiliates. Kindle devices are given away on behalf of BBVA Compass. Amazon is not a sponsor of this promotion. Other limitations may apply.BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.
Deal Deals
Adjusting 1098-T for 2012 and 2013 tax years
Added on : Monday January 27th 2014 05:00:24 AM
g: 0 Posted By: JamesPolk
Views: 122 Replies: 4 This appears to be a common issue, but I would prefer to hear from tax experts about what I can/cannot do:

I had a 1098-T issued for 2012. It included tuition for Fall 2012/Spring 2013 ($10k per semester). I filed my 2012 taxes with the full amount on the 1098-T. It would make more sense to have the 1098-T split over 2 years since I would lose the Lifetime Learning Credit for 2013 ($2,000 credit on top of standard deduction). I have asked my university to send me an adjusted 1098-T, but they haven't responded. Could I just adjust my reported 1098-T numbers down by $10k for 2012, then submit 2013 taxes with $10k in tuition expenses without a 1098-T? I feel like I would be in the right by doing that, but I'm concerned it would be automatically flagged for an audit. FWIW, the tuition for Spring 2013 was paid in January of 2013.

Suggestions?
Tax Deals
how do you file 1099K?
Added on : Monday January 27th 2014 05:00:23 AM
g: 0 Posted By: thetobster
Views: 8 Replies: 0 Did a bunch of google searches but I can't find anything useful on this. I sold a bunch of stuff on eBay this past year- 20k< and 200< transactions, and just got a 1099K from paypal.

Can anyone provide guidance as to how I file this? it's basically just all the payments I received to my paypal account. My initial thought is to put it all into excel, make a column for item costs, and then subtract eBay fees etc to find my profit.

Is the profit from all the sales all I need to report to the IRS? I'm hoping someone with experience from having done this in the past can chime in

Thanks for your help
g: 0 Posted By: TheDiggler
Views: 107 Replies: 0 Got an e-mail from Quizzlethat they've switched over to the VantageScore from Equifax (and that they're now giving a free Equifax credit report):
Quizzle now features the VantageScore credit score. This score is used by thousands of lenders, including the nations largest banks, in their credit card, auto lending and mortgage decisions.

In addition to your new free score, we're also giving you a free Equifax credit report. You won't find this combination anywhere else on the web!

Quizzle previously supplied a FAKO score from Experian, where whatever algorithm they used, IMO was complete sh1t. For me italways reportedwayyyyy too low a score (compared to FAKO andactual FICO Experian scores I'd receive from other scoring sites).Their VantageScore, OTOH, seems to be far more accurate (actually reporting an even higher score than I tend to find elsewhere).
General Economics Deals
g: 0 Posted By: ctgolfer
Views: 182 Replies: 0 http://1sale.com/electronics/audio-gaming/grundig-amfmshortwave-...
Electronics Deals

1Sale.com Coupons
Tax Planning Strategies, 2014
Added on : Sunday January 26th 2014 07:00:06 AM
g: 2 Posted By: EricGo07
Views: 179 Replies: 3 FatWalleters,It is the season to think about taxes even more than usual; and specific to this thread, tax planning. I thought it might be informative to read stories of how people reduce their tax burden(s). Im personally less interested in those that pick up receipts off the floor at drugstores or other fraud games, and more interested in legal long-term tax reduction strategies. No doubt, circumstances differ and what works for one person will not work or be available to another. Even so, being able to consider is that something I could do too? is worthwhile.A note about SS: I have posted in another thread the mechanics behind SS payback. Please refrain from discussing general SS opinions in this thread, although I completely understand if a person embarks on strategies to reduce SS payments. Im one of them, since I have passed the second inflection point.



My strategies are for small business operations. Summary of the 2013 tax year:
~ 225 - 250k income + Roth conversion
Total taxes (SS+Fed+State) ~ 7,500 all SS

My business is organized as an LLC and taxed as an S-corp. My wife and I are the employees.The business had the following expenses that reduced pass-through profit:
1. Defined Benefit pension plans for each of us. This year > 100k contributed
2. 401(k) contributions to each of us as 6% of W-2 wages
3. Travel expenses (reportable amount is ~ 3x actual cost)
4. Health reimbursement account (HRA)
5. Accounting/Actuary costs ~ $3000
(1-5) cancel fed, state, and SS.

6. 401(k) employee contribution for each of us
7. IRA contributions for each of us.

The mojo behind the final tax liability is a combination of the defined benefit (DB) plan and W-2 wages calculated to be as low as possible to cover our home, and income requirements of the DB plan.Going forward, I plan to manipulate my AGI so that the maximum tax savers credit can be utilized to convert IRA savings to Roth without cost. My low combined W-2 has the additional benefit of maximizing my federal ACA credit for health insurance.
Tax Deals
Toddlers' Mountain Comfort Mocs - $10.99 @ L.L.Bean
Added on : Sunday January 26th 2014 02:00:03 AM
g: 0 Posted By: Xenocrates
Views: 256 Replies: 0 Toddlers' Mountain Comfort Mocs - $10.99 @ L.L.Bean 
was $39.95
Free Shipping! Other users reported these shoes are small compared to their listed size so it may be wise to order a size bigger than normal!   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Shoes Deals

L.L.Bean Coupons
Path to buying a house.
Added on : Saturday January 25th 2014 06:00:10 PM
g: 0 Posted By: e0zdk3sgna7l0
Views: 106 Replies: 0 I want to buy a house in the near future which I want to buy to rent out. To secure a downpayment quicker, should I pay my student loans off on a monthly basis even when I have the ability to pay all of it all at once. I would love any advice you guys might have about this or in general. fyi houses around the area I want to buy are about $450 starting.

A little about myself. I am 23 years old and just got out of college.I just started my job which pays me 100k/yr. I have around $10k in savings with another $8k after takes coming from my company in the form of a relocation stipend. I recently started a lease on an apartment which I will be paying $1k a month for my room and my roommate will be paying the rest. My car is totally paid for and I don't have any other monthly payments that I have to tend to or worry about. Credit karma is reporting my credit score in the 790s. The total debt on all my credit cards sit around $2k and i plan on paying all of them off when its closer to the due date. I have around $19k in student loans and the interest on them dont start for another month or two. (I'd get more info on my loans for you guys right now but the website is down.)

TLDR:
Salary: 100k/yr
Savings: 18k
Rent: 1k
Credit Score: ~790
Credit Card Debt: 2k (will be paid when due)
Real Estate Deals
Whether CapitalOne Credit Card do hard pull to add a additional user?
Added on : Saturday January 25th 2014 03:00:07 PM
g: 0 Posted By: ussrfw
Views: 54 Replies: 0 CapitalOne Credit Card requires SSN to add a additional user, whether they will do hard pull on credit report of that SSN?
Thanks.

Credit Deals
Possible data breach at Michaels stores
Added on : Saturday January 25th 2014 03:00:07 PM
g: 0 Posted By: ach1199
Views: 77 Replies: 1 Here we go again....deja vu for Michaels.

http://www.usatoday.com/story/money/business/2014/01/25/michaels-retailer-credit-card-breach-reported/4895123/

FW threadon 2011 data breach at Michaels.



Discussion Deals
g: 0 Posted By: DaysFan
Views: 127 Replies: 0
Trend Report Women's Anna Black Extended-Calf Fashion...
VARIATION


$19.99 each
$49.99 each
linked


Special Offers

Free shipping! Orders $59 or more Offer ends 28-Feb-2014 See details.
Online Only! EXTRA 20% off shoes Sold by Sears. Use code SHOE20. Minimum purchase $40. Offer ends 12-Feb-2014 See details.
Online Only! EXTRA 15% off shoes Sold by Sears. Use code SHOE15. Minimum purchase $20. Offer ends 12-Feb-2014 See details.

Product DescriptionRunway-style elegance meets ultimate comfort with these Trend Report women's Anna extended-calf fashion slouch boots. With an extended calf and trendy slouched style along the shaft these boots have enough room to provide the right fit. A flat heel and flexible outsole will keep your feet feeling happy, too!

Slide-on style
Back buckle detailing
Synthetic leather upper
Extended-calf height
Shaft height: 15 in.
Shaft circumference: 7 in.
Rubber midsole
Treaded rubber outsole
Materials: Man-made
Care: Wipe clean
Imported



others here

Bongo Women's Julia Ankle Black Slouch Booties
linked
$14.99 each $39.99 each Save 63 %thru 02/01/14All items on sale$14.99 each $39.99 each Save 63 %thru 02/01/14All items on sale Sold by Sears and Fulfilled by Sears

Special Offers

Free shipping! Orders $59 or more Offer ends 28-Feb-2014 See details.
Online Only! EXTRA 20% off shoes Sold by Sears. Use code SHOE20. Minimum purchase $40. Offer ends 12-Feb-2014 See details.
Online Only! EXTRA 15% off shoes Sold by Sears. Use code SHOE15. Minimum purchase $20. Offer ends 12-Feb-2014 See details.

Product DescriptionWomen's Studded Julia Black Slouch Bootie Can Be Dressed Up or Down For Any OccasionWomen looking for new footwear can find all of their staple items at Sears, like the Bongo women's studded Julia black slouch bootie. These boots have a classic aesthetic that take ladies through many years of varying personal preferences and fashion trends. They look just as chic 10 years later as they do the day that women take them home from the store. This Bongo model takes modern women everywhere they need to go. Whether they're putting in long hours at a work conference or taking their kids to the playground, ladies get the comfort that they need.The women's studded Julia black slouch bootie is an ankle boot design. It has a studded strap detail and a flat heel to keep feet happy even during extended wear. The black color makes it easy for women to put together both casual and formal outfits. The boots have a faux suede upper portion and a thermoplastic rubber outsole.

Shopping has never been more simple when there are essential items like, the Bongo women's studded Julia black slouch bootie available
Classic appeal and neutral black takes women through varying fashion trends and personal tastes for long-term wear
Versatility for a wide range of settings from a low-key work environment to a fancy theater
Pairs beautifully with skinny jeans, skirts, dresses, and more
Time-tested ankle design
Studded strap detail adds a unique aesthetic
Flat heel for guaranteed comfort when women are on their feet for hours at a time
Medium width, sizes 5.5 to 11 including half sizes


Shoes Deals

Sears Coupons
Got caught in a parking scam - got letter from a debt collector
Added on : Friday January 24th 2014 10:00:10 PM
g: 0 Posted By: HarleyQuins
Views: 79 Replies: 0 Hey all, I was hoping I could get some advice.

I parked at a private parking lot in Denver in August. Paid cash in one of those old style boxes with the slots - no receipt or electronic record. I came back later that night, and there was a "ticket" on my window for non payment - from a private company, not the city. Some of the neighbors approached me, and told me about a scam the lot owners were pulling where they wrote tickets, and used them as "evidence" to tow the cars, with their own tow company of course. It turns out the city busted them a few years ago. So I ignored the ticket, and haven't parked in the lot since.

Today I get a letter (dated 1/17) from a collection company, saying that STOP N PARK has assigned my debt to them, and I owe $57. They have my correct name, address, and plate number. I haven't gotten any alerts from CK or Credit Sesame, and my FICO is good, according to my Discover and Barclays statements from a few days ago.

I don't mind taking my lumps and paying the 57 bucks, but will they report it to the bureaus if I pay the debt collector directly? And if I send an "I dispute, please validate" letter, does the handwritten, private ticket count for debt validation, even though it wasn't valid in the first place?

Just trying to save my credit, thanks for all your help.
g: 0 Posted By: Sugan
Views: 83 Replies: 4 I am looking to startup an eBay store. Do i need to report the gain/loss to IRS ? will eBay send out tax forms every year ?
Personal Finance Deals
Paypal 1099-k... Didn't pass 20k sales wtf?
Added on : Friday January 24th 2014 05:00:18 AM
g: 2 Posted By: willwillx
Views: 325 Replies: 6 I didn't pass 20k in sales, and they emailed me that my 1099k is ready and it's also been reported to the irs. WTF is this???

i was 324/14k....
Personal Finance Deals
Chase Freedom instant credit increase - targeted offer
Added on : Friday January 24th 2014 02:00:04 AM
g: 0 Posted By: damastaodisasta
Views: 83 Replies: 0 I received the following email this morning - be on the lookout for yours:
Chase Email said: As one of our best customers, were offering you a fast and hassle-free way
to increase the credit line* on your Chase Freedom credit card.

Here's how easy it is to request your credit line increase:

1. Log in to our secure website by January 31, 2014

2. Enter your annual income

3. Get an instant decision



Its really that simple. Theres no hassle or credit report check!
I went from 2k to 3k (despite having $xxk on a number of other CC's), but this is the first time I've ever had a CLI offer from chase.
Deal Deals
Car accident- while parallel parking
Added on : Thursday January 23rd 2014 04:00:11 AM
g: 0 Posted By: medatom
Views: 124 Replies: 6 Today morning, i was trying to parallel park tha car and realized that my car was too close to the parked car in the front. So i pulled my car out and try to straighten it to get back in and my right side touched the back of the car in the front. The lady who was in the car got out and i waved and parked the car on the other side of the road. When i asked her how she wanted to proceed she said the whole car shook and don't know what else wrong with her car. When i checked her car, it had some paint strippings and also some dents. I am sure the dent didn't come from my car as there is no protrusion on my car to do the dent also my car has no scratches. So i called the police and got a case number. The cop did'nt give me any report but suggested that we exchange the insurance information and try to fix it out of pocket.
What should i do now?. Should i wait for her to get back to me with estimates or just let my insurance handle everything?. My guess is the expense would be less than $500.
Appreciate any feedback.

Personal Finance Deals
Former Employer Requesting Another W-9 Form Filled Out
Added on : Wednesday January 22nd 2014 06:00:06 PM
g: 0 Posted By: mdpom
Views: 90 Replies: 1 I worked for a company as a tutor in the earlier half of 2013, but I quit shortly after because of the shady behavior (last minute, unorganized tutoring arrangements). I filled out a W-9 with them when I started, but now they are requesting another one, saying they need to report the income.

I'm not arguing about the income being reported, but I already filled one out. If they aren't using that for taxes, why did I fill it out? Is it the norm to request a W-9 at the start of employment and the start of the year? Is there any danger or any illegal things they can do with me filling out another W-9 with them?

I hope this is not a weird question. I just don't understand why they would need another W-9 if I only worked with them for a few months in 2013 and cut ties. I tutor with another company (for a different test) for years now, and fill a W-9 only at the start of another year with them, and never had to fill one out twice for one year.
Tax Deals
Express Clothing 40% off everything
Added on : Wednesday January 22nd 2014 06:00:04 PM
g: 0 Posted By: Trickracen
Views: 106 Replies: 0 Express Clothing

Ends 1/27/14

NO coupon needed, sale prices are reflected during checkout

Not valid on gift cards



Clothing 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
bankruptcy is dismissed but credit score is shot
Added on : Tuesday January 21st 2014 12:00:06 PM
g: 0 Posted By: nam9684
Views: 126 Replies: 2 Long story short, my fiance owned a property that was underwater. She began the bankruptcy process, however this was avoided with a bank re-modification program and the bankruptcy was dismissed. Because she initiated the bankruptcy process, her credit score is how <700, although we never follow through with the bankruptcy and was dismissed. Since the loan re-modification (2 years) ago she has had no miss payments and her account is in good standing. She has no other debt other than student loans and the mortgage. What can we do to improve her credit score? Is it possible to get the bankruptcy remove from credit report?
Personal Finance Deals
Citibank $500 bonus
Added on : Tuesday January 21st 2014 11:00:13 AM
g: 0 Posted By: crazytexan
Views: 210 Replies: 2 Sorry if this has already been posted, I couldn't find it. I was told about it this morning.

https://banking.citibank.com/cbol/14/checking/q1/aquisition/defa...

The 50k is rediculous , but if they hold off on fees for a few months like Chase, it would be worth it for $250. Also, it sounds like they don't send you a 1099, which is odd for a bank. It's in the fine print. I'd still report it though.
Deposits Deals
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

Been working part time low hours, low pay for the last year (I am retired, well actually I guess I am not). For a few months out of the year my boss paid me by CHECK (he calls it cash) made out to me (yea, he's an idiot) and didn't deduct any taxes because he simply didn't want to pay them. I owned a retail business for many many years up until the late 1990's before I retired. I told him he's an idiot because if he ever gets audited he's f'd but I wanted to keep the job for convenience and mostly to be busy. The rest of the year I was paid "on the books" and in fact just got my W2. I told him after the first check payment that I am reporting all the income (he wasn't happy but didn't tell me to leave).

My question is how would I report it? Not on line 21 it seems. It wasn't a lot of money (under $2K) but I want to report it to CMA. Just for the record, he also has 2 "kids" (well, compared to me they are kids) working for him for a few years and he has ONLY paid them by CHECK with no taxes deducted. I'm tempted to sit them down and tell them how much deep shit they will be in for but I decided it's NOMFB.

There is a lot more detail to this but it doesn't matter because it doesn't change my question, I don't care what happens to him if he gets audited as long as my ass is covered. The other 2 guys are dumb enough just to do what he wants and/or simply don't understand the ramifications. If he was paying CASH I might have thought twice about it but with a check he might as well bend over and spread his cheeks if he gets audited because the checks are written to the names of his employees. At least this way I can say I reported the income and simply didn't want to lose my job. As a point of info I do have an EIN because I used to have a small eBay business and while it has been dormant for a couple years I have maintained the business name. It seems just as bad if I put it towards that long dormant business because that isn't where the income came from.

I know it's only a small amount of money but I want to report it correctly so my arse is covered when he eventually gets audited. BTW, this idiot employer is an accountant by trade (he was schooled as an accountant in Egypt where he came from) and the business is a national franchise. It's a "small" location with not a lot of business and not making a lot of meney. He probably bought it strictly for tax purposes. Maybe that's how they do it in Egypt? He's such a nice guy but definitely not a businessman.



Tax Deals
Need help: funds disappear in bluebird and unable to recover
Added on : Sunday January 19th 2014 03:00:06 PM
g: 0 Posted By: peteron
Views: 149 Replies: 0 my first experience with reloadable card - bluebird - turns out to be a nightmare. I need help.
the whole story is, I loaded 200$ using a VISA giftcard at a WalMart center onto my new bluebird card on Dec 23 2013, with the help of a cashier (not at the ATM money center). The transaction went through and I have the receipt showing 200 bucks were sucessfully loaded onto my card. After I went home, there are two transactions - one showing 200$ loaded onto the card, and the other one showing "transaction reversal with 200$ deducted, so the balance is 0. I callled BB customer service, and they found a system error that caused it, and said they would resolve it in 10 days. But it didnot happen, and I called them every week ever since, and was told the same thing - the technisions are working on it and should solve in 10 days. Util now, the money has not been back onto my card. I have lost my faith in it, and got really pissed off by the shi*tty bluebird customer service. It is literally I lost 200$ for no reason and had no way to get it back.
Please give me advice how to proceed. Report to BBB? Sue them? Call Amex instead of BB? I am all ears.

ps. I have kept the receipt from WalMart, so I can verify that the reload was sucessful, and they had admitted in the phone that it was the system error of BB that caused the transaction reversal.

Personal Finance Deals
Free Kindle Book - Hocus Pocus by Kurt Vonnegut (was $8.99)
Added on : Saturday January 18th 2014 05:00:07 AM
g: 1 Posted By: remick
Views: 96 Replies: 0 http://www.amazon.com/gp/product/B005IHWCLA

Eugene Debs Hartke (named after the famous early 20th century Socialist working class leader) describes an odyssey from college professor to prison inmate to prison warden back again to prisoner in another of Vonnegut's bitter satirical explorations of how and where (and why) the American dream begins to die. Employing his characteristic narrative device--a retrospective diary in which the protagonist retraces his life at its end, a desperate and disconnected series of events here in Hocus Pocus show Vonnegut with his mask off and his rhetorical devices unshielded.

Debs (and Vonnegut) see academia just as imprisoning as the corrupt penal system and they regard politics as the furnishing and marketing of lies. Debs, already disillusioned by circumstance, quickly tracks his way toward resignation and then fury. As warden and prisoner, Debs (and the reader) come to understand that the roles are interchangeable; as a professor jailed for ""radical"" statements in the classroom reported by a reactionary student, he comes to see the folly of all regulation. The ""hocus pocus"" of the novel's title does not describe only the jolting reversals and seemingly motiveless circumstance which attend Debs' disillusion and suffering, but also describe the political, social, and economic system of a country built upon can't, and upon the franchising of lies.
Books & Magazines Deals
Menards 14% off Bag sale. Should stack with 11% Rebate.
Added on : Saturday January 18th 2014 03:00:02 AM
g: 0 Posted By: 1reeves
Views: 260 Replies: 0 Menards starts a new sale today, Sat Jan 18th. 14% off everything you can fit in the bag. This is a discount, not a rebate. It should stack with the 11% rebate that runs through Sat Jan 18th.
Link to voucher: http://www.menards.com/main/store//20090519001/assets/images5/la...

Thisvoucher is also in the ad that starts today. It says you must present the voucher at the service desk to receive you bag. It does exclude gift cards and limited to items that fit in the bag plus twice the height.

Have Fun!
Home & Garden Deals
TDK Life On Record A33 Bluetooth Speaker - $120 free shipping
Added on : Friday January 17th 2014 10:00:03 AM
g: 0 Posted By: nwrain
Views: 164 Replies: 0 Portable, weatherproof, rechargeable, and great sound. A Consumer Reports Best Buy. Next lowest price I could find is ~ $142.

http://www.pcrichard.com/TDK/T-D-K-A33-Weatherproof-Wireless-Spe...

After spending a few hours researching and listening to over a dozen different portable, battery powered speakers I've found that to my ears the TDK A33 has by far the best sound for the money. It sounds superior to much larger, more expensive speakers such as the Big Jambox and the Bose Soundlinks. Note:The web page is incorrect regarding the battery type. The A33 actually has a NiMH battery rather than the Li-ion pack shown in the PC Richard specs.




Headphones & Speakers Deals

PC Richard & Son Coupons
Lost card - age of account?
Added on : Thursday January 16th 2014 11:00:12 AM
g: 0 Posted By: MrObson
Views: 123 Replies: 1 I had a visa replaced this December due to the Target intrusion. Now I am wondering - is this reported as one account closed and a new one opened? thereby hurting the average age of accounts? What about in the past when I have lost a card and had a new one sent - it had a new number too?
Question Deals
Problem: Collection, credit score, and mortgage
Added on : Wednesday January 15th 2014 07:00:08 PM
g: 0 Posted By: Izmeeh
Views: 43 Replies: 0 I need some advice as what I should do. I'm planning to buy a house this year. I checked Credit Karma last week and everything was fine. Checked it again today and noticed a "new" collection dated 1/15/14 and my credit score went down 26 points.

I requested the free credit reports. The collectionis not on Equifax and Experian, but it is on TransUnion.
Placed for collection: 1/31/2012
Date Updated: 11/25/2013
Remarks: Acct info disputed by consumer; >placed for collection<
Estimated month and year that this item will be removed: 10/2014

Situation: I sold a car for $300 back in 2007 (?). The new owner parked it somewhere and got it towed. Instead of going after the new owner, they went after me. I provided a copy of the transfer of ownership paper, and they didn't take it. They told me to pay the $1,390 then sue the buyer. I refused.

I'm not sure if the collection was on Equifax and Experian before and they took it off after they investigated.

Questions:
1) I was goingto apply for a mortgage next month. Will this be a problem?
2) If I request an investigation again, will Trans Union do anything about it?There is anote that I havedisputed the information on the account already.
3) If I request an investigation again, will that extend the timethe information remain onmy credit report?

What should I do?
Question Deals
Penis pumps cost U.S. government millions, watchdog cries waste
Added on : Tuesday January 14th 2014 06:00:07 PM
g: 1 Posted By: tightpapa
Views: 101 Replies: 0 (Reuters) - Penis pumps cost the U.S. government's Medicare program $172 million between 2006 and 2011, about twice as much as the consumer would have paid at the retail level, according to a government watchdog's report released on Monday.
Link
Discussion Deals
Consumer Reports 1-Yr. Subscription - $19.95 @ Discount Mags
Added on : Tuesday January 14th 2014 03:00:02 AM
g: 0 Posted By: ksenn
Views: 144 Replies: 0 Discount Mags has a 1-Year Consumer Reports Subscriptionfor $19.95 with coupon code BFADS. Order up to 2 years at this price.
Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: rite
Views: 155 Replies: 2 So back last December I went to R & F and bought a couch. At the store I applied for the 0% financing . I filled up the paperwork and left. 1 day later I get a call from the store asking me to come back because they forgot to get my signature on some more papers. I didn't want to go back so I decided to pay it off with my CC.
Today I received a store card from R & F with a pretty decent limit. I check my credit report and of course these guys had done a hard query and dinged my score.Needless to say I am frustrated.
My question is , Is it legal that they run my credit report even after my application was incomplete (according to them)
What should I do to have them fix my score?
Any suggestions to fix this is really appreciated
Thanks
Personal Finance Deals
Paying off mortgage and change of credit score
Added on : Monday January 13th 2014 08:00:12 AM
g: 0 Posted By: ArmchairQB
Views: 195 Replies: 1 A few years back I rolled my mortgage in to a PenFed 5 year home equity loan for the lower rate and to accelerate paying it down. I recently paid off the loan to Penfed. I have been using CreditKarma since last summer to keep an eye on the scores that they present. I had expected with the payoff that I might get a bump in the scores. To my surprise when I logged on yesterday, the first day that CreditKarma reflected the payoff, my VantageScore dropped 61 points! This is far lower than my score has ever been. The payoff was the only change on the site. They do list one account reported as closed, which is the PenFed one that was paid off.

Anybody else ever have this happen to them?


Personal Finance Deals
g: 9 Posted By: MISTERCHEAP
Views: 506 Replies: 5 https://creditmonitoring.target.com/#?v=1B18FB011314

In addition to a complimentary copy of your credit report, you will receive daily credit monitoring, identity theft insurance where available, and have access to personalized assistance from a highly trained Fraud Resolution Agent. This offer applies to all Target guests who shopped in U.S. stores. To register, please go to creditmonitoring.Target.com before April 23, 2014.

Guests will have until April 23, 2014 to request a code and until April 30, 2014 to register their code with Experian.

What is offered as part of the credit monitoring/ProtectMyID?

The one year of free monitoring membership to ProtectMyID includes:

Credit Report: You will get a free copy of their Experian credit report. If you enroll online, your report will be available online. Online credit reports are available for 30 days.
Daily Credit Monitoring: You will receive alerts for one year that reflect changes to your Experian credit report during your membership term. This includes new inquiries, newly opened accounts, new derogatory information (such as delinquencies or medical collections) and more.
Identity Theft Resolution: If confirmed that you have been the victim of identity theft, you will be assigned a dedicated, U.S.-based Experian Fraud Resolution Agent who will walk you through the fraud resolution processand remain available to answer questionsfrom start to finish.
Identity Theft Insurance: If you have been a victim of identity theft relating to this incident, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.
ProtectMyID ExtendCARE: Access to personalized assistance from a highly-trained Fraud Resolution Agent will continue even after the initial one year ProtectMyID membership expires.

Credit scores will not be offered to guests who sign up for the free year of credit monitoring. You do not need a credit score to receive the benefits of credit monitoring.
Services Deals

Target Coupons
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 Best Buy GC - $50 Gift CardModel: $50 All Occasionhttp://www.bestbuy.com/site/Square+-+Stand+for+Apple%25C2%25AE+iPad%25C2%25AE+2+and+iPad+3rd+Generation+-+White/1314308.p?skuId=1314308&productCategoryId=pcmcat242000050003&id=1219047686153Model: A-PKG-0001

http://www.bestbuy.com/site/stand-for-apple-174-ipad-174-2-and-ipad-3rd-generation/1314308.

http://www.bestbuy.com/site/stand-for-apple-174-ipad-174-2-and-ipad-3rd-generation/1314308.p?id=1219047686153&skuId=1314308&st=1314308&cp=1&lp=1

linked

http://www.bestbuy.com/Square - Stand for Apple iPad 2 and iPad 3rd Generation - White

Model: A-PKG-0001
SKU: 1314308
$99.99Free Shipping

Product AvailabilityShipping: Usually leaves our warehouse in 1 business dayhttp://www.bestbuy.com/site/stand-for-apple-174-ipad-174-2-and-ipad-3rd-generation/1314308.p?id=1219047686153&skuId=1314308&st=1314308&cp=1&lp=1#Store Pickup: Available at most storeshttp://www.bestbuy.com/site/olstemplatemapper.jsp?id=pcat17006&type=page&sourceId=1219047686153&sourceType=product&skuId=1314308&productId=1219047686153&itemId=2071715&pageMode=searchmodeLearn more about store pickupSpecial Offershttp://www.bestbuy.com/site/stand-for-apple-174-ipad-174-2-and-ipad-3rd-generation/1314308.p?id=1219047686153&skuId=1314308&st=1314308&cp=1&lp=1#Cardholder OfferGet up to 6% back in RewardsWhat's Included

Square Stand for Apple iPad 2 and iPad 3rd Generation
Square Reader
3-port USB accessory hub
Security tool kit (adhesive- and drill-mount options, security screw, cleaning cloth)
Power adapter
Owner's manual

Specifications

Warranty Terms - Parts: 1 year
Height: 15.25 inches
Width: 15.25 inches
Depth: 5.75 inches
Weight: 13 pounds

http://www.bestbuy.com/site/stand-for-apple-174-ipad-174-2-and-ipad-3rd-generation/1314308.p?id=1219047686153&skuId=1314308&st=1314308&cp=1&lp=1#Turn your Apple iPad 2 or iPad 3rd generation into a complete point of sale with this Square A-PKG-0001 stand, which features an integrated credit card reader and a swivel-for-signature design to simplify the payment process.Product FeaturesCompatible with Apple iPad 2 and iPad 3rd generationTurns your device into a complete point of sale, allowing you to accept payments, manage items, view sales reports and more to meet your business needs.Integrated card readerAccepts credit card payments and keeps credit card information secure. Charges 2.75% per swipe from Visa, Mastercard, American Express and Discover credit cards. Square Reader (included) enables on-the-go payments.Fast depositsFunds from swiped credit card payments are deposited directly into your connected bank account within 1 to 2 business days.Swivel-for-signature designLets you easily rotate the stand toward the customer, so he or she can sign for purchases on the screen of your iPad.3-port USB hubAllows you to connect hardware accessories, such as a receipt printer, cash drawer and bar-code scanner, for simple connectivity options.Smart business toolsInclude real-time sales data, best-selling item summaries and custom reports, which provide helpful information for running your business effectively. Square Register app (download required) enhances use of your device.Included security kitSecures the stand to a counter and keeps your iPad locked to the stand for peace of mind.Runs off of your device's battery for approximately 8 hoursFor extended operation. The 6' power cord offers additional powering options.iPad is a trademark of Apple Inc., registered in the U.S. and other countries




Financing a car and a house this year. In which order?
Added on : Sunday January 12th 2014 01:00:05 PM
g: 0 Posted By: EvilPuppy
Views: 76 Replies: 0 I'm looking into getting an used car which I may qualify for a pretty attractive rate through the manufacturer. But I'm also getting a house in a few months. If I get the car first, would the home mortgage loaner see the car loan on my credit report and think I'm a bigger risk thereby give me a higher rate? Or does it even matter?

Car Loan Amount: $15,000
Car Down Payment: $3,000

Home Loan Amount: About $500k
Home Down Payment: $200k
Personal Finance Deals
New Navy Federal promotion: up to $200 for opening an IRA
Added on : Sunday January 12th 2014 05:00:10 AM
g: 0 Posted By: SSG
Views: 37 Replies: 0 Link

$100 for opening the IRA, and another $100 for rolling over or transferring $5k from somewhere else. Added bonus is that the $200 is reported as a dividend, not as a contribution. Looks like it's limited only to those who don't currently have any NFCU IRAs.

Here are the T&C:

Offer effective January 6, 2014. Navy Federal reserves the right to end or modify this offer at any time.1Limit one $100 IRA bonus per member. Offer only available to members who open their first Navy Federal IRA plan and deposit a minimum of $100 in their new IRA account.2Get an additional $100 IRA bonus by funding your first Navy Federal IRA plan with a rollover of a qualified retirement plan (such as Thrift Savings Plan (TSP), pension plan, or 401(k)) or an IRA transferred from another financial institution with a minimum deposit of $5,000. Only one additional $100 IRA bonus for rollover/IRA transfer deposits per member. To receive the $100 IRA bonus and/or the additional $100 IRA bonus for rollover/IRA transfer deposits, funds must be deposited into the new IRA account no later than 45 days after the IRA plan open date. Once funds have been deposited into the new IRA account, Navy Federal will credit the bonus(es) directly into your new IRA account within 30 days. The IRA bonus(es) will be credited to your new IRA account in the form of a dividend and will not be reported as a contribution. Members should consult their tax or legal advisor about the appropriate tax treatment of the bonus(es) and any tax implications associated with it/them. Any taxes related to the IRA bonus(es) are the members responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.
Deal Deals
Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

Upfront disclaimer: amount of EZPass charges in question in my case is less than $10. It is just a matter of principle that I don't like paying for something that I should not be paying for. If you consider such an approach a complete waste of time (which it might well be) then you might better save you time on something more useful instead of reading below Thanks.

Short description: Live close to NYC, don't own a car, rent cars on a regular basis (at least 3-4 times a month). To save time and money I bought my own EZPass tag, good suction mount for it and move it from car to car together with GPS.
EZPass NY recommends to register all cars being used with a specific tag by their license plate to be able to charge a specific account if a registered car goes throw a toll plaza and the system fails to read a tag. It is a quick process and I used to do it every time renting a new car right from my smartphone, just for a peace of mind. I remove license plates from my account right after I drop the car back to the rental company (usually the same day).

It worked like a charm for a very long time, until I rented a car from Dollar Rent-a-Car for one day in April last year. I returned a car next day at around 09:00am, went to the meeting and eventually logged to my EZPass account to remove a license plate there in the afternoon.
Several days later I see several toll charges for the total of ~$8 in the area nearby coming from the plate recognition of the rental car. The timestamp says somewhere around 11:30am the same day I returned this car, but before I removed it from my EZPass account (so, obviously, a guy/girl who rented a car after me decided somehow not to pay tolls and EZPass had to read his plates and matched it to my account).

Thinking that the situation is very simple, I wrote an email request to EZPass through their website with a detailed explanation asking to credit those charges back to my account and go after the owner of this car (Dollar) for those toll violations. Several days later I get an answer to call them.

(skip many months)

Long story short - in total I tried to contact them 5 or 6 times using all types of communication (email, phone, snail mail). I sent them my rental car receipt that I asked Dollar to send me, that clearly says that I dropped the car at 09:00 and at the time of those charges it was NOT in my possession. The last LETTER I received from them made me seriously think if I speak to a brick wall and if my explanations are actually being read by someone or I'm just getting automated "F**K OFF" answers for all my communication - basically, they write that they have reconfirmed that the license plate had been recognized properly (like I argued with that) and ask me to provide documentation that I sold this car or got rid of it by other means if I was not in its possession.

My brain starts to explode here. I wrote them 2 or 3 times that it was a RENTAL car. I sent them rental receipts twice. I just don't understand what else can/should I do? )


Is it about the money? Of course, no, at least now. I think I am close to spending similar amount on postal stamps and I already spent much more in terms of my time dedicated to this. What pisses me off most is that I thought that rental receipt is going to be a universal and unquestionable proof that I was not a driver at the time of violation. "Sir, a car with a plate XXX-ZZZ was involved in bank robbery and triple homicide yesterday. We saw you in this car three days ago, so you are under arrest... - Sure, but guys, I dropped this RENTAL car 2 days ago, sorry. Bye.". Apparently it is not, at least for EZPass.

What should I do next? The most natural answer is obviously "Let it go. Forget" and I lean towards this myself, but I hate situations like that and want to make it right..

Any ideas? Is there any authority I can report EZPass to? (I guess they don't really care about BBB...)

Personal Finance Deals
g: 0 Posted By: ArtieLange
Views: 157 Replies: 0 ARRIS / Motorola SB6121 SURFboard DOCSIS 3.0 Cable Modem $66.99 at Amazon

http://www.amazon.com/ARRIS-Motorola-SB6121-SURFboard-DOCSIS/dp/B004XC6GJ0/ref=zg_bs_541966_17


Requires CABLE Internet Service, if not sure your provider is CABLE call them to confirm
Compatible with ALL Major CABLE providers like Comcast, Cox, Charter, Time Warner, Mediacom, Bright House
Internet download speeds up to 172 Mbps and upload speeds up to 131 Mbps based on your Cable provider service
Good for streaming Video and gaming on multiple devices at a time
Rear panel color coded for ease of installation
BROWN BOX models NOT VALID for this item, should report to Amazon immediately and RETURN to Seller
Docsis 3.0 with backward compatibility with 2.0 and 1.x

Networking Deals

Amazon Coupons
Bogus registration not displayed ticket from city of Las Vegas
Added on : Thursday January 09th 2014 08:00:07 PM
g: 0 Posted By: bubu
Views: 32 Replies: 0 I need some advice...

I got a delinquency notice in the mail for a "not displaying registration" ticket...aka expired sticker on the license plate from the city of Las Vegas Parking . Problem is the car was never in Las Vegas. This is a completely fictional ticket some lazy parking maid wrote up to boost their #. Not an uncommon thing from what I've read on the web.

Dispute it, no problem...right. Here is where I am just stunned. There is no "legal" dispute process outside of requesting a hearing in front of a "hearing officer" (who is an attorney hired by the City). Its a completely bullshit hearing from what I can tell. Here is what I'm required to sign in order to get a "hearing":

I understand that the Hearing Officer is an attorney and not an elected or appointed judge.

I understand that I am agreeing to be bound by the decision of the Hearing Officer. I understand and agree that, if necessary, due to my lack of timely payment, the City of Las Vegas can and may use this binding decision to have a formal civil judgment entered against me in the Las Vegas Municipal Court.

I understand that if I fail to provide a written statement or any evidence for the scheduled hearing before the Hearing Officer without first obtaining a continuance of such hearing, the Hearing Officer may enter a decision against me for the full amount and penalties scheduled to be reviewed.

I understand that if a civil judgment is obtained, the city may seek and obtain a Writ of Execution against me. I understand that if a Writ of Execution is obtained, my wages and/or bank account may be garnished, liens may be put on my property, and my vehicle(s) may be towed or immobilized.

Knowing all of the above, I still wish to request a binding hearing before the Hearing Officer on the above-described Notice of Infraction(s).

I hereby acknowledge the above

In order to get to explain the situation I have to sign away all my rights and trust that an attorney hired by the city itself will be impartial. Icing on the cake is the threat to turn it over to collections if I don't respond. Pretty much extortion as I have to agree to binding arbitration from a non-neutral 3rd party in order to get a "hearing", and enable the city to obtain a civil judgement against me...strengthening their collection case against me.

...so what can they really do to me? Advice on how I should proceed? I'm thinking of ignoring the notice, except the collection agency will start screwing with my credit report, while I can get them to state that I dispute the validity of this debt on the credit report, its derogatory none the less.

They want $225 btw, if it was $30 i'd pay it as an annoyance but $225 is really reaching.
Question Deals
T-Mobile credit check experiences?
Added on : Thursday January 09th 2014 11:00:11 AM
g: 0 Posted By: seawolf21
Views: 161 Replies: 3 Anybody with experience with T-Mobile credit check? Was trying to setup 5 lines and leave AT&T. Just pulled my report and my scores are 820s with all three bureaus and accurate.

Tmobile wanted $300 deposit on each line ($1500 for the family). Seems drastic considering I'm not even financing a phone; I'm using my own devices and just need SIM cards.
Credit Deals
Earn $200 with PNC New Acct Req. DD + 1 Online Bill Pay (GA only)
Added on : Wednesday January 08th 2014 11:00:04 PM
g: 0 Posted By: KYBOSH
Views: 79 Replies: 0 Found this google ad whike looking for an additional checking account.

$200 New Checking Offer

Paypal, ACH push, ING are reported to count a DD.
If account is openned online then you can fund with a CC.

This link say GA only but check your google ads (whike searching for banks in your area) for a similar offer.

See T&Cs for details
Deal Deals
Questions for the AOR / CC churner pros
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Mattattack
Views: 57 Replies: 0 Please bear with me, I am new at this. I learned everything I know about AORs by reading FWF up until this point.

Old CCs (will keep for account age)
Statefarm CC (25k limit) (opened 2009)
Penfed platinum rewards (7.8k limit) (opened 2010)
Chase Freedom (5k limit) (opened 2010)

New CCs (I already have these and I have received or am in the process of receiving the bonuses)
Chase Southwest visa (8.5k limit) (received 50k bonus + companion pass back in September) (opened May2013)
Chase Southwest business visa (5k limit) (recently closed - see below) (received 50k bonus back in September) (opened May2013)
Amex blue cash preferred (7.8k limit) (opened May2013)
Discover IT (6.5k limit) (Opened November 2013) ($150 sign up)
Capital one Quicksilver (7.5k limit) (will keep for 1.5% on everything) (Opened November 2013) ($100 sign up)
Citi thank you preferred (6.5k limit) (Opened November 2013) (30k TY point sign up)
Citi dividend (4.2k limit) (Opened December 2013) ($100 sign up + the $300 from the first quarter categories)

Total Credit line 78.8k

Just got a mortgage March 2013 (30yr fixed 3.625%) and dont anticipate needing a loan anytime soon. (Was told by my mortgage broker I had a 745 at the time)Credit Karma currently has me at a 687. I havent otherwise pulled my own credit.

Questions:

1. Long story short a payment was missed on my chase south west business visa. Im 99% sure I requested the payment to be made and the money was just never taken from my checking. They waved the late fee but, the CSR said the late payment was most likely already reported to credit agencies. In the moment I had them cancel the card because I already had the bonus and didnt think I needed it anymore. This is my first missed payment on a CC. Is this a big deal? My plan is to get my free credit reports in a month or two, see if it appears, and then dispute it. It hasnt shown up on credit karma yet.I probably should have kept this card to transfer the line to a different business card (chase ink) but, its too late now.

2. Is there any reason to keep my personal chase southwest visa? Do I cancel and request they move the credit line to my chase freedom? So, I can churn the card again in the future? I had the personal and business plus cards. When my companion pass runs out I could get the premier cards in 2015. Then eventually get the plus cards again in the distant future? (assuming any 50k point offers come up in the future)

3. It there any reason to keep the citi thank you preferred card after I get the bonus? Ive only received 10k of the 30k points so far. I took the first 10k points as a $100 Staples GC to try to monetize it buying free after rebate items but, I have yet to find a free after rebate item in stock. (Im a Staples noob)

4. Is there any way to get the annual fee on the amex BCP waived? Do I keep it just to get the $285 each year? (6% x $6000 = $360 - $75 AF = $285)

5. Any advice on how long I should wait until I do another AOR? (I know the two Ive done were only 3 cards each and were weak but, I have yet to be denied a credit card)

Any other comments, tips, suggestions would be appreciated.
Discussion Deals
Car rear ended, back hurts
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Al3xK
Views: 184 Replies: 0 My girlfriend has liability only, and was rear ended by a dry-cleaning van with commercial insurance. At a red light with plenty of cars lined up, it turned green, he just rammed into her stopped car. Damage isn't too bad, but it's been 2 days and her back is pretty sore and it was hard enough to knock her water bottle out of the cup-holder and spill it and lock up her seat belt. We called and started a claim directly with their insurance. Her insurance hasn't been contacted at all, since it's just liability.

What are the best steps for possible medical? It was a fairly low-speed accident with the other driver admitting fault (no police report). I'd just guess a several chiropractor visits and a massage and she'd be fine. I know insurance companies fight paying chiropractors without a real doctor visit. Do I send her to a doctor of our choice for X-Ray/check and then just send insurance company bill or what? Should I tell their adjuster she wants to go to a doctor and have him confirm a place they'll pay for?
Question Deals
6 Business Free Kindle ebook downloads
Added on : Wednesday January 08th 2014 06:00:20 AM
g: 0 Posted By: attaallah
Views: 102 Replies: 0
Career Mapping for Climbing Managers by Dorothy Tannahill-Moran
Easily Raise Your Credit Score By 100 Points
The Definitive Guide To Storing Gold & Silver:
How to Get a Truckload of Reviews on Amazon.com
Feed the Pig by Travis Rusko
Special Report by Vick Boone Jr.

Totally Free Deals
GUN AR-15 complete upper 289.99 at PSA
Added on : Tuesday January 07th 2014 01:00:05 PM
g: 3 Posted By: firstnet
Views: 310 Replies: 2 PSA Daily Deal is a complete M4 style upper with bolt carrier and charging handle for $289.99.
Pair this with a blemished lower/ parts kit/stock and you can build an AR for less than $450.

Enjoy

QUICK OVERVIEW

Barrel Length 16"
5.56 Nato Chamber
1 in 7" twist
M4 Profile Barrel
Phosphate barrel finish
.750" Gas Block Diameter
M4 Feed ramps
Forged Upper
M-16 Profile Bolt Carrier
Carpenter 158 Bolt
Charging Handle

Upper is expected to group per the mil-spec 4-6 MOA.

Some reports of questionable finish, but most are good shooters.
Guns & Ammo 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
27" "Famous Maker" (prob HP) 1080P Monitor, PCConnection, $169.95
Added on : Monday January 06th 2014 01:00:02 PM
g: 0 Posted By: KingMongo
Views: 193 Replies: 0 http://www.pcconnection.com/IPA/Shop/Product/Detail.htm?sku=15655827&cac=CartItem

Seems to be an HP (this monitor has come up for sale elsewhere, and is reported to be a re-/de-branded HP, and the summary references BrightView, which is an HP brand name).

PCConnection isn't a CashBack store, unfortunately. If anyone has any coupons for this deal, please post them.

(sorry if this is duplicate, I looked, but did not see anything)
Monitors Deals

PC Connection Coupons
Fixed deposit in other country- tax filing
Added on : Monday January 06th 2014 06:00:14 AM
g: 0 Posted By: samandy
Views: 0 Replies: 0 All

What is the tax filing rule for fixed deposits in other country-

1) Do you have to report earnings per year( all interest gets reinvested, so it's a cumulative FD)
or do you have to report on maturity?
2) What happens to Fixed deposits which matured in 2013 . but you were non resident and not living in US from 2010-2012 (for non citizens/ non permanent residents) but were FDs initiated in 2010

Thanks for your input!

Credit Karma and my BCP
Added on : Sunday January 05th 2014 10:00:04 AM
g: 0 Posted By: dougan778
Views: 159 Replies: 1 I have looked around but haven't found much, figured someone here might know.

I just signed up for Credit Karma and I noticed that they don't know about my American Express Blue Cash Preferred card. I know I have heard that some credit cards don't show up on some of the credit histories, but I couldn't find anything about this specifically. Is it just that American Express doesn't report to TransUnion? Seems like that would be documented well enough for me to find on google. Am I missing something?

Thanks!
Credit Deals
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
g: 0 Posted By: TheDiggler
Views: 110 Replies: 2 http://www.fkfcu.org/visa-promo.html
0% APR promotion applies to new and existing VISA accounts (Student VISA excluded). Transfers ($500 - $25,000) made between January 1 to March 31, 2014. Does not apply to balance transfers from existing Fort Knox Federal Credit Union VISA card accounts. 0% APR is effective for six (6) months from the first qualifying balance transfer date. Cash Back rebates on VISA Platinum only. 5.00% off gas purchases paid at the pump. All rebates will not be shown at the time of purchase but will appear on your monthly billing statement.

FKFCU (often pronounced FuK-FuC-U) is arguably one of the most incompetent FCU's out there. They are also one of the strictest with theirCC approvals:

1. You need to furnish them w/ proof of income (by faxing or snail mailing paycheck stubs). If you don't have paycheck stubs (such as some self employed and/or high net worth individuals), you may be SOL (part of FKFCU's incompetence).

2. New members are limited to a maximum CL of $2,000. After you're a member for a year or so, you can requested a CL increase (up to $25K), but that would entail another HARD PULL against your CR at that time.

3. Like almost any other FCU, youfirst need to become an FKFCU member, which costs $15(one-time $10 membership fee + $5 for one share in the CU, which I believe gets deposited into your new FKFCU savings account, so effectively $10 to join). They perform a HARD PULL when becomnig a member, but they can use that same Credit Report towards the CC application. So if you're joining to sign-up for the CC, no "extra" HARD PULL should be performed.



TL; DR - Perhaps a good deal for existing cardholders. FKFCU is incompetent & has strict CC sign-up policies. New cardholders are limited to $2K CL max. Costs$15 to join($10 membership fee + $5 into savings)
Deposits Deals
Women's Rosie Slouch Bootie, $9.99 (75% off) @ sears.com
Added on : Thursday January 02nd 2014 06:00:07 AM
g: 1 Posted By: MrLincoln
Views: 286 Replies: 1 Search Sears.com for "Rosie." Two styles/colors at this price, western and slouch. Sorry, link wouldn't work. Don't forget FW CB, and possible coupon below. FS with SYWR Max.

Online Only! Extra 25% OFF Womens and Kids Shoes with code SHOE25. Minimum purchase of $20.Offer ends 04-Jan-2014

Product DescriptionWomen's Rosie Black Fashion Slouch Bootie Softens a Structured StyleThe Trend Report women's Rosie black fashion bootie is created with everything you love about Western boots but with contemporary touches that keep them current. Wear them with your jeans and a pointy, faux suede covered toe will peak out. Tuck in your jeans and show off the soft, slouchy upper. Add them as a finishing touch to a long skirt, straight or full, or go for the unexpected and pair them with short ruffled dress or jumper.The 1.5 inch heel on the women's Rosie black fashion bootie makes these boots super comfortable for walking, while the faux suede upper adds stain and water resistance that's superior to the natural version. You'll never run out of reasons to wear these cute ankle boots, regardless the weather.

Whether you're ready to do a little two step or just want some extra warmth in cold weather, the Trend Report women's Rosie black fashion bootie offers a stylish combination of traditional style and trend touches
Comes in women's 6 to 11, including with half sizes up to 9.5
Available in medium width only
The solid black boots features a slouchy shaft and pull tabs at the top
Pointed toe
Pull on ankle boots with lining
1.5 inch heel and faux suede upper
Care: Gently brush away dried dirt then spot clean with a damp cloth if necessary
Model number: DW315098


Link
Shoes Deals

Sears Coupons
g: 0 Posted By: dazviking
Views: 477 Replies: 0 McDonald's Free Small Hot Coffee. (1/1 - 1/7)

Confirmed by me in Maine.
News article says Maine, New Hampshire only, but others are reporting Mass and RI.
https://bangordailynews.com/community/free-mccafe-coffee-at-mcdonalds-january-1-7-2013/

"A la carte only" (I guess not valid on combo deals.)




Restaurants & Entertainment Deals
g: 0 Posted By: dazviking
Views: 289 Replies: 0 McDonald's Free Small Hot Coffee. (1/1 - 1/7)

Confirmed by me in Maine.
News article says Maine, New Hampshire only, but others are reporting Mass and RI.
https://bangordailynews.com/community/free-mccafe-coffee-at-mcdo...

"A la carte only" (I guess not valid on combo deals.)




Restaurants & Entertainment Deals
Consumer Reports Magazine @ DiscountMags.com - $19.95 after Coupon
Added on : Tuesday December 31st 2013 03:00:03 PM
g: 0 Posted By: Virgil27
Views: 548 Replies: 4 Consumer Reports Magazine @ DiscountMags.com - $19.95 after Coupon
compare at $29.00
Free Shipping!Make sure all your holiday presents are the gold standard with this subscription to Consumer Reports Magazine for $10 off the next lowest price with free shipping.
Coupons
FATWALLET - $10 off  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Books & Magazines Deals

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Auto collision - Rear end hit
Added on : Tuesday December 31st 2013 01:00:15 PM
g: 0 Posted By: haoniukun
Views: 166 Replies: 6 Originally, I thought my case was simple.
My car was rear-ended.
A small dent was left on the rear bumper.
It is the hitter's fault obviously.
But unfortunately, I can't find a witness easily and the officer wouldn't give a report because no one was injured.
I filed a claim against the hitter's insurance company.
After I went to the assigned collision shop for inspection, I have been waiting for the claim result and called the insurance company several times for the claim status.
The insurance company was waiting for the hitter's photo of the car (accident happened on Nov. 15th).
The insurance company also told me that the hitter said there was a dent on my rear bumper originally.
I'm sure that my car was perfectly fine originally.
But I cannot provide any proof for this right now and it is ridiculous that the hitter said that there was a dent on my rear bumper without seeing my car before.
Does anyone have any idea on how to communicate with the insurance company from now on?

Thanks for any advice in advance and happy new year!
Personal Finance Deals
Consumer Reports Magazine ($19.00 compare at $29.00) @ DiscountMags.com
Added on : Tuesday December 31st 2013 01:00:12 PM
Consumer Reports Magazine @ DiscountMags.com - $19.00 after Coupon
Added on : Tuesday December 31st 2013 01:00:08 PM
g: 0 Posted By: Virgil27
Views: 223 Replies: 1 Consumer Reports Magazine @ DiscountMags.com - $19.00 after Coupon
compare at $29.00
Free Shipping!Make sure all your holiday presents are the gold standard with this subscription to Consumer Reports Magazine for $10 off the next lowest price with free shipping.
Coupons
FATWALLET - $10 off  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Books & Magazines Deals

DiscountMags.com Coupons
g: 0 Posted By: remick
Views: 162 Replies: 0 Closer: Devotions to Draw Couples Together (was $13.99)
http://www.amazon.com/Closer-Devotions-Draw-Couples-Together-ebook/dp/B00B853OA4

4.8 out of 5 stars (8 customer reviews)

The Love Dare challenged individuals to love their spouse more. Closer shows wives and husbands how to grow that love together. Introduced with Scripture verses and engaging stories, these 52 devotionals will inspire couples to draw closer through faith conversations--those quiet talks so vital for emotional and spiritual intimacy in a marriage. Guided, practical action steps round out each reading. Closer, with its flexible weekly format, is an appealing alternative to a daily devotional.




Believing God(was $22.95)
http://www.amazon.com/Believing-God-Beth-Moore-ebook/dp/B0032UDV4M

4.7 out of 5 stars (146 customer reviews)

Join best-selling author and Bible teacher Beth Moore in her latest book as she explores what it means to know and truly believe God, not just to believe IN Him. Through the examples of believers like Abraham and Moses, who trusted God's promises, Beth encourages Christians of all ages to deepen their own trust in God, live out their faith and receive a fresh word from Him.



When Godly People Do Ungodly Things: Finding Authentic Restoration in the Age of Seduction (was $19.99)
http://www.amazon.com/When-Godly-People-Ungodly-Things-ebook/dp/B003WEA50G

4.7 out of 5 stars (82 customer reviews)

It is reported in the headlines, confessed in the pulpits, and hidden in the pews in churches around the world. The seduction of Gods people by the deceiver is a tale as old as the garden, but we are always surprised when it happens. We must realize that Satan is a lion on the prowl and we are his prey.
Beth writes with a passion fueled by the Biblical warnings of the schemes of Satans seductive activity and the broken-hearted concern of a teacher who receives countless letters from repentant Christians limping on the road to finding restoration. Delivering dire warnings to Christians to safeguard themselves against Satans attacks, Beth also reveals how you can know if someone is vulnerable. Beth writes, We, Christs church, are in desperate need of developing His heart and mind in issues like these. She fears that often God is far more merciful than the Body of Christ is with the deeply repentant and those desperate to find their way home. When Godly People Do Ungodly Things will be a guide to authentic repentance and restoration.



The Beloved Disciple (was $19.99)
http://www.amazon.com/Beloved-Disciple-Beth-Moore-ebook/dp/B003WEA5BU

4.8 out of 5 stars (27 customer reviews)

John the apostle must have thought he had seen everything. Having been with Jesus all the years of his ministry, John witnessed more miracles than he could count, saw more displays of power than he could comprehend, and experienced more love than he could fathom. And one unforgettable morning young John outran Peter to his Saviors empty tomb. Just as Christ took John on a lifelong journey into the depths of His love, He will do the same for you. The bridegrooms love is unmatched and inexhaustible, and He is waiting to lavish it on you, His beloved.



To Live Is Christ (was $19.99)
http://www.amazon.com/Live-Christ-Beth-Moore-ebook/dp/B003WEA5C4

4.4 out of 5 stars (22 customer reviews)

In To Live Is Christ, best-selling author Beth Moore travels on a spiritual odyssey through the life of one of Christianitys most fervent journeymen, the apostle Paul, tracing his story from childhood to martyrdom.
Proclaiming his faith as a benchmark in New Testament Scripture, Beth writes, "I have accepted many of Pauls words as a personal challenge. I want to know Christ has become my plea. To live is Christ and to die is gain has become my hope. And to borrow his words once more, Not that I have already obtained all this . . . but I press on."
Pauls undying passion for Christ continues to inspire and challenge those with a deep spiritual hunger for the things of God. Readers will be greatly refreshed by the obvious mercy of God that causes those who have failed him to repent and serve him wholeheartedly and effectively.



Pray the Scriptures Bible: Psalms and Proverbs (was $9.99)
http://www.amazon.com/Pray-Scriptures-Bible-Psalms-Proverbs-ebook/dp/B005UEXF58

4.3 out of 5 stars (7 customer reviews)

First-of-Its-Kind Bible Combines the Full Text of GOD'S WORD with Thousands of Prayers
For those interested in centering their prayers on the foundation of Scripture, this Bible will be an encouraging companion to daily Bible reading and prayer. Bestselling author Kevin Johnson presents an approach to the power of biblical prayer by offering Scriptures that inspired them. Readers will pray with more confidence, learning to apply Scripture to their lives and pray words they know God will hear.



Everyday Prayers: 365 Days to a Gospel-Centered Faith (was $6.99)
http://www.amazon.com/Everyday-Prayers-Days-Gospel-Centered-Faith-ebook/dp/B005GMYADU

4.7 out of 5 stars (74 customer reviews)

How would life be different if we could think, see, and do all things in light of the person and work of Jesus? With this inspiring collection of 365 Scripture-centered prayers, Scotty Smith helps readers pray the Scriptures through the lens of the gospel, mining the resources of God's grace and applying them in every season of life. He frees readers to abandon any posing or pretending in favor of an honest, no-spin relationship with a God who claims them as his own.
Each day includes a Scripture reference and an inspirational original prayer, born from both moments of great faith and moments of crisis. Like a modern-day book of Psalms, Everyday Prayers is a year's worth of growing in grace that readers will lean on year after year.




Books Deals

Amazon Coupons
first tennesee bank $100 bonus exp 1/31/14
Added on : Sunday December 29th 2013 04:00:05 PM
g: 0 Posted By: VivYip
Views: 0 Replies: 0 credit mybnanktracker

https://www.firsttennessee.com/landing/expchecking-SRCCHK
* Offer Details: Offer expires 1/31/2014. To receive bonus, you must open your account at a financial center and present a copy of the offer certificate, or open your account online by clicking the link on this page. To receive your bonus, you must have an opening deposit of at least $300 and at least one direct deposit must post to your account within 60 days of opening. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within 6 weeks of the first direct deposit and will be reported as income on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers. This offer is for new checking households only, or for households that have not had an open First Tennessee consumer checking account for at least 12 months. Customer agrees to maintain account in good standing for a minimum of six months. Account openings are subject to bank approval and may be declined based on state of residence or other factors.

** The $5 monthly service charge is rebated with at least one direct deposit per statement cycle.

Mobile carrier messaging and data rates may apply.

2013 First Tennessee Bank National Association. Member FDIC. www.firsttennessee.com

hope this might help someone. Thank you for reading.
Applying for different mortgages at once?
Added on : Saturday December 28th 2013 09:00:05 AM
g: 0 Posted By: nickboats
Views: 7 Replies: 0 My Brother seems to think he can get two different mortgages on two different properties at the same time without telling each lender up front. He's going to get one mortgage for a primary residence (which he is going to live in) and a second investment property. He is going to put down 25% on the IP. He seems to think he can submit the applications on different properties with different lenders on the same day and because of the lag in credit reports, MERS and public records that he can close on a couple of them at once. I've tried to tell him this could be mortgage fraud since he is not telling each lender about the other loan applications. He thinks because the mortgages are on different properties, not one, there's no problem. I guess he figures if he tells them upfront it may affect his score, his qualification or his DTI (he makes plenty). If asked about multiple inquires he claims he'll just explain he's shopping for the best rate. I keep telling him to just put all the honest info on the all the applications, that's he's buying different properties at once. Aren't the lenders going to find out some how that he's trying to do multiple mortgages and didn't disclose it on his applications? If one property closes and another closes 5 days later isn't there a way for the second lender to figure out he just got a mortgage on another property and deny him?

Real Estate Deals
g: 0 Posted By: Xenocrates
Views: 479 Replies: 0 VIZIO S3821w-C0 38-inch 2.1 Home Theater Sound Bar with Wireless Subwoofer - $158.00 @ Amazon  
Free Shipping! Has Bluetooth streaming capability.Recommend best budget sound bar by Consumer Reports.On sale for $158.  Another $30 is taken off at checkout for Prime members.  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Electronics Deals

Amazon Coupons
Delta's Turn - Mistake Fares
Added on : Thursday December 26th 2013 08:00:14 AM
g: 0 Posted By: BrlDsguise
Views: 29 Replies: 1 Looks like Delta recreated United's mistake of a few months ago and mispriced tickets. I was searching ITA for tickets to Key West and saw them listed at $64 R/T from PHL. Tried to book on delta.com but it was frozen and Expedia which produced a market rate fare.

Reports on FT have people buying transcon flights for under $30 and Hawaii for $110. News report said Delta is honoring the fares so congrats to all who got in.
Air Travel Deals
g: 0 Posted By: DOChicago
Views: 278 Replies: 3 For those of you on FW with everything else , Costco has the7.72 ct Radiant Cut VS1 Clarity, Fancy Yellow Diamond Platinum Ring On Sale for the mere price of $139,999.99!

Costco Link

IGI Value:$211,825
GIA #:5101592279
Metal:950 Platinum & 18kt Yellow Gold
Center Diamond Shape:Radiant Cut
Center Diamond Weight:7.72 ct
Total Diamond Weight:8.90 ctw
Center Diamond Clarity:Very Slightly Included ( VS1 )
Center Diamond Color:Fancy Yellow ( FY )
Side Diamond Shape:Round Brilliant Cut
Ring Size:7 - Sizeable within 1 size (Costco does not provide this service)



Costco makes purchasing the highest quality diamonds easy by offering only the industry's highest quality diamonds at the lowest possible price. Our long-standing relationship with our suppliers guarantees we get the best selection at the best value. Costco's experienced buying team works with our suppliers evaluating and hand-selecting each diamond for its quality and brilliance. Our team of Graduate Gemologists then inspects every diamond to ensure it meets the strictest quality standards in the industry in cut, color, clarity, and craftsmanship. You can be confident your purchase is as special to us as it is to you.

This item comes with a Summation Of Appraisal certificate from the International Gemological Institute (IGI). This is to certify that the item described above is genuine, and has been independently examined in the laboratories of IGI.

Also included with this diamond is a GIA (Gemological Institute of America), Gem Trade Laboratory, Diamond Grading Report. Gem Trade Laboratory is a division of GIA Enterprises, Inc., a wholly owned subsidiary of the nonprofit Gemological Institute of America, Inc. This describes the characteristics of the diamond at the time of the examination based upon 10x magnification.

When returning unique jewelry items, or items containing a 1.00 ct center diamond or larger, Costco warehouses may require additional time to verify the diamond, in which case a refund will be approved upon positive verification and as long as the item is not damaged or changed in any way (i.e. resized or reset). This process may require two to five business days.

Model: LVS831
Jewelry 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
Report Sexual Harassment at work that doesn't directly involve me?
Added on : Tuesday December 24th 2013 04:00:07 AM
g: 2 Posted By: Android1234
Views: 98 Replies: 6 FWF Crowd, apologies for the alt-ID but don't want to be identified. I'm facing a bit of a moral dilemma and am looking for thoughts from here. I'll try to keep it short and to the point as well.

A few weeks ago my group at work of less than 20, all employees, no significant others, had our group holiday party. The majority of the crowd got pretty drunk with the head of the group leading the charge of being one of the drunkest. During the night, one male coworker was hitting on a young, fairly new to the group female coworker. Our very drunk male group head was openly encouraging the female to go for it, using a lot of profanity and even slapping on her on the butt multiple times during the night. This may not sound extreme, but it was making a lot of people around (primarily the other females) very uncomfortable. Later on that night after everyone had seperated, the younger female coworker called me crying, clearly very drunk, but crying as she didn't know how she was put in that situation. I don't believe anything happened between her and the other coworker.

As a point of reference, I am a male and one of the more senior people amongst the group. After this incident, I felt very bad for my female coworker and really lost a lot of respect for the group head. I know that a few other coworkers of mine also really didn't like what went down.

Personally, I don't believe the younger female coworker who was being hit on and harassed is going to say something to anyone more senior outside of our group or to HR. Our group itself does not have any HR rep, so it would need to be reported to someone outside of our group. As far as I know, I don't believe anyone else has reported anything.

So my question is, should I say anything to HR? I personally like my job for the most part, and I am inclined to just stay out of it (and imagine that will be the majority of responses) and not rock the boat as again I am in a pretty good situation. At the same time, I really can't respect our group head (and who I report to) after this. I believe I could go to HR with one or two people at the same time, but don't want to advertise that I am looking to talk to HR either for fear of it getting around, so have kept this quiet.

Any advice? Anyone been in a similar situation?

Thanks
Personal Finance Deals
g: 0 Posted By: minghi
Views: 119 Replies: 0 So, I was looking for a business checking offer since I recently started a business (just got my first check in the mail over the weekend woohoo) and this is the best new account bonus offer I could find. Does anyone have any idea on how this bank is or are they any similar/better offers. Since its a CU, I feel there shouldn't be any issues.http://www.aacreditunion.org/business-promo-checking.aspx


Apply today to receive up to $200!American Airlines Credit Union is here to lift you up with $200. Open a Primary Business Checking Account today and receive an opening deposit of $100 at account opening, and then receive another deposit of $100 after you make at least 10 (ten) transactions with your Business Visa CheckCard within the first 45 days of account opening*. Click on the Apply Online link below to get started!Your Primary Business Checking Account also gives you:

LOW Fees

No Monthly Services Fee1
No Hidden Fees!

High-Quality Personalized Service We're not here for profit, we're here for you.
Paid Dividends Earn dollars with your business checking account (APY is tiered based on average daily balance)2
FREE Account Features

First 100 deposited checks free and first 100 paid checks free3
Free Business Visa CheckCards up to four cards per account4
FREE Mobile Banking
Free Online Banking & Bill Pay


Take advantage of this limited time offer and APPLY TODAY!

Click:Apply Online
Call: (800) 533-0035, Ext. 4123

* Open a new American Airlines Credit Union Primary Business Checking Account between 9/15/13 and 12/31/13 to receive the initial $100 bonus posted to your new business checking account at account opening. A new business account includes savings and checking with a required minimum balance of $25 in each. To receive the second $100 bonus in your business checking account, you must qualify for a Business Visa CheckCard and then complete 10 (ten) CheckCard transactions with your new Business Visa CheckCard within 45 days of account opening. After those two requirements are met, the second $100 will be posted to your business checking account by 2/28/14. Your checking account must remain open for six (6) months or the up to $200 bonus you were given will be withdrawn from your account at closing. Member must be in good standing for account to be eligible. Business checking and the Business Visa CheckCard are subject to credit approval. This offer is non-transferable and cannot be combined with any other offer. Any awards of monies received in association with this promotion may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if any.1Member-initiated fees may apply.2APY is Annual Percentage Yield. Member must be in good standing for account to be eligible. Dividend period is calendar month. APY and dividend rates are accurate as of the last dividend declaration date and are subject to change monthly as determined by the American Airlines Credit Union Board of Directors. Dividends will be paid on the average daily balance to all business checking accounts maintaining a minimum of $25.00 during the calendar month. Fees may reduce earnings on account. Ask the Credit Union for details.3After the first free 100 deposited checks and first free 100 paid checks, the following fee schedule will automatically be instated. Deposited items: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea. Items Paid: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea.4Must be a business owner to be approved for a Business Visa CheckCard, and a maximum of four business owners can be issued a Business Visa CheckCard per account.
Deposits Deals
Bofa dinged my credit score for 8$ 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
Auto Accident- At Fault Driver Has Same Insurance
Added on : Saturday December 21st 2013 05:00:08 AM
g: -1 Posted By: Kevo171
Views: 132 Replies: 0 My GF and I were sideswiped by someone this morning. The other driver is 100% at fault and was cited at the scene of the accident. GF's 1996 Civic was hit hard on the drivers side and is most likely totalled. We both have minor whiplash that hopefully won't get any worse.

The at fault driver was insured, but happens to have the same insurance as GF. GF already filed a claim with her insurance. We are waiting for a copy of the police report.

Having never been in a car accident before, we're not really sure what to do or what to look out for.

Should we be worried that the insurance for the at fault driver and our insurance is covered by the same company (Progressive)? Isn't it in their best interest to low ball the replacement cost of GF's car.
Should we consider seeing a doctor?We both have sore necks, but not having been in this situation before, we don't know if whiplash gets worse over time.
Is there anything else we should do or be on the lookout for?

Besides a ruined weekend, we're really bummed that GF's paid for FWF dream car is most likely totalled. ...and no, we're not really interested in a crown vic.
Personal Finance Deals
Stubhub.com 5% Rewards starts today, 12/21/13 thru 12/25/13
Added on : Saturday December 21st 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.stubhub.com/
http://www.stubhub.com/promotions/scratch/common/gc_fr.jpg


The 5% rewards promotion period starts on December 20, 2013 12:00 AM PST and ends on December 25, 2013 11:59 PM PST
Must be enrolled in StubHub Fan Rewards prior to purchase.
Offer applies only to gift certificates purchased on stubhub.com to receive the 5% in rewards. Other event purchases will earn rewards at the standard rate for your level of membership.
Offer only applies to gift certificates purchased in the same order and cannot be combined with other offers, discounts, promotions or gift certificates.
Offer does not apply to previous gift certificate purchases.
Offer is non-transferable, void where prohibited, not redeemable for cash and has no face value.


Except as set out above, all other terms and conditions of the StubHub Fan Rewards program apply to this promotion. Promotion is subject to change without notice.
These are the StubHub Fan Rewards Program Terms & Conditions ("Program Terms"). These Program Terms are effective on September 16, 2013, or upon acceptance for all eligible StubHub users who have successfully registered for the Program.StubHub Fan Rewards Program Terms & ConditionsThe StubHub Fan Rewards Program ("Program") is designed to reward StubHub users for purchasing tickets on www.stubhub.com. Eligible Participants will receive Rewards based on a percentage of their Eligible Purchase or through other promotional offers and have an opportunity to redeem Rewards in accordance with the following Terms and Conditions:

Eligible Participants. An "Eligible Participant" means a StubHub user who meets, and continues to meet during participation in the Program, the following criteria:

1.1 Is a registered member of www.stubhub.com with a StubHub account in good standing (no hold or suspension) and is a legal U.S. or Canadian (excluding Quebec) resident who has reached the age of majority or older in their jurisdiction of residence, with a U.S. or Canadian (excluding Quebec) registration address tied to his/her StubHub account;
1.2 Accepts these Program Terms;
1.3 Receives confirmation of registration in the Program from StubHub;
1.4 Has not been previously terminated from participation in the Program by StubHub.

Earn Rewards Toward Rewards FanCodes. The Program allows Eligible Participants to earn Rewards on every Eligible Purchase they make on www.stubhub.com. These Rewards will then be converted into a Rewards FanCode when the Eligible Participant accrues $10 in Rewards.

2.1 Eligible Purchase. "Eligible Purchase" means a purchase made by an Eligible Participant that meets the following criteria:

2.1.1 The Eligible Participant purchased tickets, gift certificates, parking passes, hospitality, packages, and service and delivery fees after confirmation of Program registration on www.stubhub.com.
2.1.2 StubHub has verified delivery of the purchase via a courier, the ticket is available for download on PDF/email format, or Last Minute Services (LMS) has confirmed ticket pick-up (collectively, "Verified Delivery").
2.1.3 The amount of an Eligible Purchase does not include any gift certificate redemption, Customer Service credit, any FanCodes, whether issued as Rewards under this Program or through other StubHub channels, partial refunds, free items, purchases that fail to comply with applicable StubHub Terms and Conditions, past purchases, and non-shipped, undeliverable or returned items.
2.1.4 For canceled orders and refunds, StubHub will reduce an Eligible Participant's Rewards balance (even if the purchase was returned or refunded after the Eligible Participant already redeemed Rewards for such item) and this may result in a negative Rewards balance. StubHub reserves the right to place a hold or suspend an Eligible Participant's StubHub Fan Rewards account in the Program if the Negative Rewards Balance is not reversed within 6 months.

2.2 Rewards. "Rewards" means a U.S. dollar amount which may become redeemable in the form of a Rewards FanCode (see Section 2.3 below) attributed to the Eligible Participant's StubHub account. Rewards will be calculated as follows:

2.2.1 Once StubHub receives Verified Delivery of an Eligible Purchase, it will issue Rewards based on the Eligible Participant's membership status to the Eligible Participant within 72 hours. The Rewards earned will be displayed on the Eligible Participant's "Rewards Summary" within "My Account".

2.2.1.1 Star Status. "Star" is the status designated to an Eligible Participant who completes fewer than 10 purchases or spends less than $2,000 in a calendar year. Eligible Participants at this status will earn Rewards at the rate of 2% on the amount of their Eligible Purchases. When an Eligible Participant enrolls in the Rewards Program, they will automatically be set at Star status.
2.2.1.2 Superstar Status. "Superstar" is the status designated to an Eligible Participant who completes 10 or more purchases or spends $2,000 or more between January 1, 12:00 am PST, and December 31, 11:59 pm PST, of each calendar year. Eligible Participants at this status will earn Rewards at the rate of 3% on Eligible Purchases. Once an Eligible Participant achieves Superstar status, their Superstar benefits begin immediately upon qualification in the current calendar year through December 31, 11:59 pm PST, of the following calendar year. For example, if an Eligible Participant makes their 10th Eligible Purchase for the calendar year on August 1, 2011, their Superstar status will begin on August 1, 2011 and remain intact through December 31, 2012. Eligible participants with Superstar status may also receive additional benefits at StubHub's sole discretion.


2.3 Rewards FanCode. "Rewards FanCode" means an electronic certificate that is awarded to an Eligible Participant after the Eligible Participant earns $10 in Rewards.

2.3.1 StubHub will endeavor to issue an Eligible Participant a Rewards FanCode within 72 hours after an Eligible Participant has earned $10 in Rewards, but StubHub may take longer to issue a Rewards FanCode. StubHub reserves the right to withhold issuance of a Rewards FanCode if StubHub is investigating an Eligible Participant's compliance with these Program Terms or any other of its policies.
2.3.2 Any earned Rewards FanCode, including its expiration date, will be displayed in the StubHub Fan Rewards section of My Account and on the Rewards summary page. You will also see any unused, unexpired Rewards FanCode in the checkout flow when you make a purchase.


Rewards FanCode Redemption. An Eligible Participant may redeem any Rewards FanCodes issued by StubHub in accordance with the following requirements:

3.1 The Rewards FanCode is valid and redeemable by an Eligible Participant for six (6) months after StubHub issues the Rewards FanCode.
3.2 Rewards FanCodes may only be redeemed on www.stubhub.com.
3.3 An unused or partially used Rewards FanCode is forfeited when the Rewards FanCode expires.
3.4 Rewards FanCodes may be redeemed together, unless StubHub specifies otherwise.
3.5 To use a Rewards FanCode, the Eligible Participant must place an order before the expiration of the Rewards FanCode. During checkout, the Eligible Participant must select the checkbox for the Rewards FanCode they want to use.
3.6 The Rewards FanCode will be applied to the total purchase price and any unused amount remaining on a Rewards FanCode, if any, will continue to be available to the Eligible Participant until that Rewards FanCode expires.

Restrictions

4.1 Rewards Restrictions

4.1.1 Expiration of earned rewards. Rewards totaling less than $10 that have not been converted into Rewards FanCodes are forfeited if the Eligible Participant cancels their membership in the Program, the Eligible Participant's StubHub account is terminated or suspended, StubHub terminates the Program or the Eligible Participant's participation in the Program, or the Eligible Participant has not made an Eligible Purchase on www.stubhub.com within 12 months.
4.1.2 Earning limits per transaction. Subject to these Program Terms, there is no limit to the total Rewards an Eligible Participant may earn for each Eligible Purchase transaction or in a calendar year.
4.1.3 Rewards may only be earned on Eligible Purchases made on www.stubhub.com.
4.1.4 Rewards may only be earned on one StubHub account per Eligible Participant, regardless of the number of StubHub accounts used by such Eligible Participant.
4.1.5 Rewards will be tied to the StubHub account of the Eligible Participant and Rewards cannot be combined across any other StubHub accounts.
4.1.6 StubHub reserves the right to hold back or otherwise suspend Rewards after purchase in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards may not be earned or may be removed from the Eligible Participant's account during StubHub's investigation.
4.1.7 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards after posting.
4.1.8 If an order is canceled, the Rewards earned for that purchase will be deducted. If the order resulted in a Rewards FanCode, the Rewards FanCode will be voided if unused. If the Rewards FanCode has been used, the Rewards deducted may result in a negative Rewards balance.
4.1.9 If an Eligible Participant cancels their membership in the Program with a negative Rewards balance in their account and subsequently decides to rejoin the Program, the negative Rewards balance will remain.

4.2 Rewards FanCode Restrictions

4.2.1 Rewards FanCodes are not transferable, have no cash value and cannot be redeemed for cash. Rewards FanCodes will be cancelled and become null and void if sold, purchased or transferred, whether for value or not, except as expressly provided in these Program Terms.
4.2.2 Rewards FanCodes cannot be used retroactively for prior purchases.
4.2.3 Rewards FanCodes cannot be used to purchase gift certificates.
4.2.4 Rewards FanCodes can only be applied during online checkout, and cannot be applied retroactively by LMS or StubHub Customer Service.
4.2.5 StubHub reserves the right to hold back or otherwise suspend Rewards FanCodes in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards FanCodes may not be redeemed during StubHub's investigation.
4.2.6 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards FanCodes after posting.
4.2.7 Unredeemed Rewards FanCodes are not forfeited if the Eligible Participant cancels membership. However, these Rewards FanCodes may be forfeited if StubHub terminates the Eligible Participant's membership or terminates the Program.
4.2.8 If an Eligible Participant uses the Rewards FanCode towards the purchase of an item that is later refunded or credited, StubHub will credit back and reissue to the Eligible Participant the Rewards FanCode used on the refunded item with its original expiration date. If the FanCode's original expiration date has passed or is less than 30 days away from the date of reissuance, StubHub will issue the FanCode with a new expiration date of 30 days from the date of reissuance.


Other Terms and Conditions.

5.1 Modification and Termination.

5.1.1 StubHub reserves the right to modify or terminate this Program, in whole or in part, at any time by posting amended terms or a termination notice on the Eligible Participant's "Rewards Summary" section within "My Account", by sending an email notice to the email addresses tied to the Eligible Participant's StubHub accounts, or by any other means it deems sufficient ("Notice"). Except where stated otherwise by StubHub or as required by applicable law, all amended terms will be effective three (3) days after Notice. If any modification is unacceptable to you, your only recourse is to cancel membership of the Program by going to the StubHub Fan Rewards page, clicking "Cancel Membership" and then clicking "I'm sure" to confirm your cancellation. Without limiting the foregoing, StubHub may suspend an Eligible Participant's participation in the Program indefinitely to investigate potential violations of StubHub's policies without prior notice to the Eligible Participant. If StubHub in its sole discretion believes an Eligible Participant has or is using existing StubHub accounts or creating new accounts in order to circumvent or undermine these Program Terms, or is otherwise engaging in any activity not in keeping with the letter and/or spirit of the Program and these Program Terms, as interpreted by StubHub in its sole and absolute discretion, StubHub reserves the right to terminate the Eligible Participant's participation from the Program and their StubHub account.
5.1.2 To cancel membership in the Program, please go to the StubHub Fan Rewards Page under My Account and click the link "Cancel Membership". By cancelling, you forfeit all accumulated Rewards.

5.2 Other Restrictions. The Program is void where prohibited. All Rewards and Rewards FanCodes are subject to verification at any time. StubHub reserves the right, in its sole and absolute discretion, to invalidate any Rewards or Rewards FanCodes it deems to have been awarded in error, or as the result of any fraudulent activity, or any activity not in keeping with the letter and/or spirit of these Program Terms, as interpreted by StubHub in its sole and absolute discretion.
5.3 Combination with Other Programs. Rewards FanCodes may be redeemed with Gift Certificates, Discounts, Other Rewards FanCodes, and Customer Service credits as may be permitted by StubHub in its sole and absolute discretion. StubHub reserves the right to disallow the combination of certain Rewards FanCodes with any of the above listed or any other promotions it may offer from time to time.
5.4 Promotions. StubHub may in its sole and absolute discretion and from time to time, offer supplementary programs, rewards, benefits or promotions related to the Program. These Program Terms shall apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise.
5.5 Limitation of Liability. TO THE EXTENT PERMITTED BY LAW, STUBHUB, INC. ("STUBHUB") STUBHUB SHALL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, INJURY, LOSS OR DAMAGE OF ANY KIND, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, RESULTING FROM THE PROGRAM. THIS LIMITATION OF LIABILITY IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, INCOME, OR PROFIT; LOSS OR DAMAGE TO PROPERTY; AND CLAIMS OF THIRD PARTIES. ELIGIBLE PARTICIPANTS OF THE PROGRAM AGREE THAT STUBHUB HAS NOT MADE NOR IS IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION, OR GUARANTEE, STATUTORY, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE), IN FACT OR IN LAW, RELATIVE TO THE PROGRAM. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STUBHUB DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO WWW.STUBHUB.COM OR THE PROGRAM, AND STUBHUB SHALL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS RELATED THERETO. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. StubHub is not responsible for printing or typographical errors in any Program related materials; for stolen, lost, late, misdirected purchases; or for transactions and/or emails that are lost, misdirected, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, human or other error; or for electronic, computer, or telephonic malfunction or error, including inability to access any web site associated with the Program, or process any transaction thereon. If in StubHub's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Program, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Program, StubHub reserves the right at its sole discretion to disqualify any individual connected therewith, to modify or suspend the Program, or to terminate the Program. In all matters relating to the interpretation and application of any rule or phase of this Program, the decision of StubHub shall be final. StubHub reserves the right to cancel, amend or revoke the Program or any portion thereof at any time due to business considerations or circumstances beyond its control. Any attempt by an Eligible Participant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Program is a violation of criminal and civil laws and should such an attempt be made, StubHub reserves the right to revoke any Rewards or Rewards FanCodes, and seek damages and other remedies from any such person to the fullest extent permitted by law. Any attempts by an individual to access any web site associated with the Program via a bot script or other brute force attack or any other unauthorized means may in the sole and absolute discretion of StubHub will result in the IP address becoming ineligible. Use of automated devices or programs to access, accrue, or redeem any Program benefits is prohibited.
5.6 The waiver by StubHub of a breach of any provision of these Program Terms by an Eligible Participant or other individual shall not operate or be construed as a waiver of any other or subsequent or preceding breach by an Eligible Participant or other individual. No waiver by StubHub of any right under the Program shall be construed as a waiver of any other right. StubHub shall not be required to give notice to enforce strict adherence to all terms of the Program.
5.7 Governing Law. For purchases made at www.stubhub.com these Program Terms and the Program will be interpreted, construed and enforced, and governed in all aspects in accordance with the exclusive jurisdiction and laws of the state of California. Any cause of action arising under or relating to these Terms and Conditions will be brought exclusively in a court in San Francisco County, CA. Any claim or dispute arising under or relating to these Program Terms will be brought exclusively in a court in San Francisco, CA.
5.8 In the event that any provision in these Program Terms is determined to be invalid, illegal, or unenforceable, such determination shall not affect the validity and enforceability of any other remaining provisions of these Program Terms.
5.9 All Eligible Participant personal information will be subject to the StubHub Privacy Policy available at http://www.stubhub.com/privacy-policy/ as may be amended from time to time in accordance with its terms. Without limitation, Eligible Participant personal information may be used to administer the Program


Services Deals
CitiBusiness account with free citigold checking account
Added on : Friday December 20th 2013 07:00:07 PM
g: 0 Posted By: dawhim
Views: 55 Replies: 0 I just opened a citibusiness streamlined checking account in manhattan. they did ask for all business filing report.

The banker asked me if I would like a free personal checking account to go with that and I thought it wouldn't hurt, so I got that too. (very glad I did). A week later, a citigold debit card arrived in the mail.

I was pretty puzzled with the whole thing. I was expecting just a basic personal checking account. I called up the rep today to sort out everything. She initially said citigold would be $30 a month or waiver with certain criteria, then I told her the banker signed me up for this account and told me it was free. After awhile, she came back and let me know the branch is running a promotion. there is a fee waiver on my citigold account, so no fee indeed. I guess this must be tied to opening a citibusiness account.

citigold perks are pretty nice, but I would never pay $30/month for this. YMMV here, not sure how big is this promotion.
Boost credit by adding joint account owner?
Added on : Friday December 20th 2013 05:00:10 AM
g: 0 Posted By: dahmn
Views: 142 Replies: 2 I have excellent credit, and my wife has bad credit due to a foreclosure/bankruptcy. Research tells me that if i add her as a joint account holder that she will gain all of my excellent account history, and it will hot have any effect on my credit (she has excellent spending habits, and the plan is to never have the card leave the filing cabinet).

Will my credit score be calculated differently since the account is changing from a single holder to jointly owned?

Will HER credit report appear as if she owned the account when i opened it years ago?

I make significantly more money than she does, and I make all possible purchases through some of the credit cards for Cash Backrewards. Would her credit score be negatively impacted due to my spending on the card and her significantly lower annual income? What about eligibility for a car loan, or do they only factor in minimum amounts due?

Personal Finance 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
g: 0 Posted By: DizzyT71
Views: 387 Replies: 0 Teleflora Coupon: 35% off Christmas Centerpieces @ Teleflora - 35% off after Coupon
Expires On: 12/19/2013 11:59PM

Coupons
EMP1219 - 35% off  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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g: 16 Posted By: View
Views: 5743 Replies: 30 T-Mobile is having a sale on new Nexus 4 16GBfor $192 and shipping($6.99) +taxes on $199for existing post-paid customers. (No new annual contract required.)
If you are on Simple Choice plan you can also pay $8 a month for 24 months.
This is the lowest price I have seen for a new Nexus 4. Even lower than the $250+shipping and taxes Googleclearance.
I can't believe they priced Nexus 4 lower than Samsung Galaxy S Blaze 4G(216 at the moment.)

To claim this offer, log intomy.T-Mobile.comand select upgrade your phone.
It's available inboth my post-paid accounts. I'm not sure if there are otherrequirements so YMMV. Please report back if it doesn't work.
Note that T-Mobile Nexus 4 does not have Wifi calling so you may onlymake callsin areas where you have coverage.

UPDATE: based on a number of feedbacks this could be a mislabeled refurb. Sorry for the trouble..
On another website someone was able to get tmobile to give him a nexux 5 for 250 instead for the trouble. Ymmv.
On the other hand, one guy who ordered this last week received it and it looks like new. However, tmobile refurb has only 90 days warranty. If you ordered new but they are sending refurb you may want to contact customer service.
On the web site they are still selling new n4 at full price to new customers. Really sorry for the trouble.


Cell Phones Deals

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Most inappropriate things a banker has asked you
Added on : Tuesday December 17th 2013 11:00:06 AM
g: 0 Posted By: jetsfan92588
Views: 200 Replies: 3 I think this could be an interesting thread given that many here deal with bankers/tellers a lot. Mine aren't particularly inappropriate, they just don't seem like questions that a banker really needs to be asking and it's not really any of their business, but I must imagine that some people have gotten some really inappropriate questions.

- I asked to go into my safe deposit box and the banker asked if I was putting something in or taking something out. I'm not sure if she was joking or not but I chuckled and she immediately became embarrassed because I think she realized that's not something she should ask.
- I deposited about 7500 in cash into my checking account and the teller asked me whether I was going to keep the money in there for a while or move it somewhere else. I said "I don't know" and she proceeded to tell me that I should open up another account to split the money up because if I lost my ID someone could take the money out of it with my ID. I'm not sure if she was just trying to get me to open another account or if she was prompted to fill out a FinCEN report or something, but that was a pretty funny excuse that she used to ask me that question.
General Economics Deals
g: 6 Posted By: View
Views: 1400 Replies: 3 T-Mobile is having a sale on new Nexus 4 16GBfor $192 and shipping($6.99) +taxes on $199for existing post-paid customers. (No new annual contract required.)
If you are on Simple Choice plan you can also pay $8 a month for 24 months.
This is the lowest price I have seen for a new Nexus 4. Even lower than the $250+shipping and taxes Googleclearance.
I can't believe they priced Nexus 4 lower than Samsung Galaxy S Blaze 4G(216 at the moment.)

To claim this offer, log intomy.T-Mobile.comand select upgrade your phone.
It's available inboth my post-paid accounts. I'm not sure if there are otherrequirements so YMMV. Please report back if it doesn't work.
Note that T-Mobile Nexus 4 does not have Wifi calling so you may onlymake callsin areas where you have coverage.


Cell Phones Deals

T-Mobile Coupons
g: 2 Posted By: View
Views: 135 Replies: 0 T-Mobile is having a sale on new Nexus 4 16GBfor $192 and shipping($6.99) +taxes on $199for existing post-paid customers. (No new annual contract required.)
If you are on Simple Choice plan you can also pay $8 a month for 24 months.
This is the lowest price I have seen for a new Nexus 4. Even lower than the $250+shipping and taxes Googleclearance.
I can't believe they priced Nexus 4 lower than Samsung Galaxy S Blaze 4G(216 at the moment.)

To claim this offer, log intomy.T-Mobile.comand select upgrade your phone.
It's available inboth my post-paid accounts. I'm not sure if there are otherrequirements so YMMV. Please report back if it doesn't work.
Note that T-Mobile Nexus 4 does not have Wifi calling so you may onlymake callsin areas where you have coverage.


Cell Phones Deals

T-Mobile Coupons
g: 0 Posted By: stanolshefski
Views: 25 Replies: 0 http://techcrunch.com/2013/12/16/amazon-reportedly-buys-mobile-payments-startup-gopago-working-on-an-ambitious-new-project/

We know what happened last time Amazon started running a payment network. I'd look for new MS opportunities here.
Discussion Deals
Tax implications - When is debt considered cancelled in a Deed In Lieu?
Added on : Monday December 16th 2013 12:00:08 PM
g: 0 Posted By: BocephusSTL
Views: 112 Replies: 0 My brother is going through a Deed-In-Lieu with BOA, and he is concerned about the potential tax liability if it's not completed by Dec. 31, because of the expiring Mortgage Forgiveness Debt Relief Act (MFDRA). They told him it's in the final stages of completion (post-closing dept.), but that it probably won't be fully completed for a couple of months. I'm hoping someone here might have relevant experience to determine when a DIL is considered complete for tax purposes.

The facts as he relayed them to me are:

His file is in the Post-Closing Dept. at BOA
The Warranty Deed where he signed the property back to BOA, and BOA's Deed of Release, have both been recorded with the county.
The post-closer said his incentive check is on the way.
He called the IRS, and was told that the determining factor for meeting the Dec. 31 deadline of the MFDRA expiration is that the debt must be cancelled by that date.
Post-closer told him she "thinks" the Deed of Release is the point at which the debt is considered cancelled, but she's not certain.
BOA still has to transfer the property to HUD, clear things off their books, report to CRAs, etc, which could take another couple of months.

The person at IRS told him that it's completely up to the bank as to when they consider the debt cancelled. The post-closer from the bank told him she "thinks" the recording date of the Deed of Release is what would be considered the date of debt cancellation in his case, but she wasn't sure. He is worried they won't consider it cancelled until it's fully off their books and reported to the CRAs. If that's after Dec. 31, the cancelled debt will be subject to taxes, which he can't pay so is obviously trying to avoid that situation.

Another question that came up when he talked to the IRS, could potentially make all of this moot. The IRS person told him that because it's an FHA loan,there technically won't be any cancelled debt because the mortgage insurance claim that will be paid to BOA effectively makes them whole. As a result, my brother won't be subject to income tax of the "cancelled debt". This kind of makes sense, but then again, it sounds too good to be true.

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
Discussion Deals
g: 0 Posted By: limitsc
Views: 217 Replies: 1 I know this type of thing has been discussed at length on here and I have read a lot of it out of general interest (I am a new loan officer and try to learn when I can).

Still I am not 100% how to go about this situation, because I guess I thought when it came to stuff like this, the debt in collections was usually either valid where prior notice was given, or completely invalid (where the advice was usually to dispute and request validation).

In my case, I got a new job. Had insurance at old job, new job insurance didn't kick in for like 1.5 months. I take a prescription med, refilled monthly. A little over a month after starting my new job, it came time to get a refill. Honestly, I had no clue whether my old insurance was still active. I did ask several people, and was told that I would be notified when it was cut off. Still not 100% sure, I went to my pharmacy and spoke to them about the issue and whether I would have to pay out of pocket that month, which would have been fine...we are talking probably ~$200 vs the crappy $60 copay for that previous insurance. They said they would just submit it in their system and see, and once they did that they confirmed it was covered, no problem. I thought it was that simple, anyway. That was on 7/15/13.

Never heard anything else about it. By the next month (August), my new insurance had started. Also, I was on the phone with my old insurance several times around this time because I had to get a cert. of credible coverage. I am pretty sure I remember them saying they had not received notice of my cancellation and were going to do it at that point (because I had told them).

Fast forward to last Friday (12/13/13), I get a letter in the mail from RMS, what appears to be a collection agency. It states the INS company has placed my account for collection (for $130) due to overpayment on prescription drug coverage. It also says "They have sent you previous notice(s) on this account requesting payment." It also has a blank and asks me to furnish my phone number. So I am pretty upset at this, because I am 27 and started my credit when I was 18. I still have that first credit card that started with $250 CL and now is just south of $20K. I have over 35 accounts on my report without a single negative. Also, I would very much like to buy a house, hopefully in the next year. Also, I am pretty certain the INS company NEVER sent anything notifying me of this. The phone number they had on file was my parents' home number where I no longer reside, however I am certain that if they had ever called then my parents would have told me. I stop by weekly to pick up mail that still gets sent there also.

The only thing I have done so far is contact the original INS company today. The lady said that accoridng to her record, my coverage ended on 6/30, however they weren't notified until 7/28 which must have been why they approved the prescription on 7/15. She said I should have received notices, and could not explain why I did not and all she could do was apologize and tell me to call the collection agency. I don't care about the $130....if my coverage had ended then that's fine. My main concern is a collection account showing on my CR, but I feel like if I go ahead and pay the collector it will show up anyway. Does anyone have suggestions on how to proceed?
Question Deals
g: 0 Posted By: ntddvltt
Views: 184 Replies: 0 Note sure if this is true, but WP Central reported it:
http://www.wpcentral.com/deal-nokia-lumia-521-target-59

Also, you can get $20 Windows phone store voucher:
http://www.nokia.com/us-en/world-of-apps/

Let's find out tomorrow!
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Target Coupons
Taxes on sale of family home
Added on : Friday December 13th 2013 07:00:09 AM
g: 0 Posted By: linuspb
Views: 76 Replies: 0 We recently closed on the sale of our deceased parents family home. The proceeds were split between 4 siblings and the checks were written to us by the bank that financed the sale for the buyer. I realize there may be capital gain taxes due (depends on how we calculate the basis) but who reports our payment to the IRS. Is it the bank that made the loan or some other agency. and will I get a form next Jan or Feb like a 10-99. We are only talking about $12,500 to each sibling.

Thanks
Real Estate Deals
50% off select Canon Refurbished EF/EF-S Lenses + 2.5% CB
Added on : Friday December 13th 2013 02:00:02 AM
g: 0 Posted By: ywd
Views: 92 Replies: 0 canon deal linkDont' forget fatwallet cashback when going to canon deal link

Numerous reports of Canon refurbs come looking/feeling as if brand new. Comes with 1 year warranty.


Diminished Auto Claim
Added on : Thursday December 12th 2013 02:00:07 PM
g: 0 Posted By: wannabuyhome
Views: 152 Replies: 1 So I have been in an auto accident. just bought a jeep for 21k 2 weeks ago. Now I have repair bills for 5500 that are going through the process of getting paid. I am waiting on the police report, but it is pretty cut and dry the others persons fault. I have found a site such ashttp://www.collisionclaims.com/. Can I file that claim after they decide to repair my car or should it have to be done at the same time? I am in Indiana.
Question Deals
CBO: Top 40% Of Income Earners Pay More Than 100% Of Federal Income Taxes
Added on : Wednesday December 11th 2013 01:00:06 PM
g: 2 Posted By: SangioveseW
Views: 225 Replies: 2 The above numbers are found in the latest CBO report and are based on the2010 IRS and Census Bureau figures.Here is just one of several news stories that is reporting this information contained in the latest CBO report:http://www.cnbc.com/id/101264757

Interestingly,"For most income groups, average federal tax rates in 2010 were near the lowest rates for the 1979-2010 period," reads the report. "The exception was households in the top 1 percent,whose average federal tax rate in 2010 was significantly above its low in the mid-1980s."

Here is a CBSnews article, which contains some additional information:http://www.cnsnews.com/news/article/terence-p-jeffrey/cbotop-40-paid-1062-income-taxes-bottom-40-paid-91-got-average-18950

Since it's the end of the year and many of us are looking at year-end tax planning, future tax strategies and discuss tax policies, I thought that this article would be of interest to people, as this topic is very much on people's minds.


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Cyber Monday 2 Continued Sale from T-Mobile + Up to $50 Cash Back
Added on : Tuesday December 10th 2013 12:00:02 PM
g: 0 Posted By: FatWallette
Views: 375 Replies: 0
Prepaid Holiday Deals Limited Time 



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3.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  $5.00 Cash Back on PrePaid Mobile Broadband$7.50 Cash Back per device on Prepaid Phone orders$17.50 Cash Back on Post Paid Mobile Broadband with qualifying 2 year plan$50.00 Cash Back on Wireless Service Activation7.5% Cash Back on Accessory Only ordersCash Back available on new activations and equipment onlyCash Back on 2nd and subsequent phones will be reported at a later date than 1st phoneCash Back not available for data only plansCash Back not available on PrePaid Mobile Broadband laptop sticks Receive the Hot Deals and Offers Added Each Day by Email!
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Best way to sell car (Private Party)
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: trekwars2000
Views: 231 Replies: 0 So I just flew down to PHX and drove a new car back to Vegas. I ended up getting almost 20% off MSRP on the new car. We first looked at gently used (2-3 years old) but when looking it didn't make much sense to buy something for a similar price with 30K miles. Great deal IMO. However, I now need to sell my old car. The car is a 2006 BMW 750Li with 82K miles with a bit of road rash on the front bumper. I'm having that taken car of tomorrow for ~$300. After I get it handled, any thoughts on the best way to sell it? I will run it by a CarMax to get the "rock bottom" number (basically wholesale price). KBB for good is 15.5K trade in and 18K PPV, for very good you can add about $500. Realistically, the car is between good and very good condition after I get this taken care of (probably closer to good). I don't know what I can get for it... There is one 06 750Li listed in my area with similar miles for 22K PP sale. I would probably list it near 20K.

I was looking at Auto Trader and other listing websites. I also thought about putting it on the Air Force Base "Lemon Lot", but I'm not sure that listing an 8 year old car for nearly 20K is going to get many leads on base. Auto Trader has a sell with expert help section where they take 30 pics and do an inspection report, screen calls, set up your add and give pricing help, and it ends up in the featured/spotlight area. In addition, they link in a carfax type report for buyers. This listing is $360 and if it doesn't sell within 120 days you can get a refund of all but $120. Of course, I could take out an add in the paper, but since I don't read a paper I'm not sure how much spotlight this gets.

Any thoughts and help would be great.
Personal Finance Deals
Wiring Money to Overseas Gift Tax?
Added on : Monday December 09th 2013 11:00:08 AM
g: 0 Posted By: e60mmmmm
Views: 90 Replies: 0 Just a question for the more knowledgeable minds on FW. If I were to wire lets say $100,000 overseas as a gift to a non-us citizen what gift/estate tax implications will it have on me? I know the limit to not report this year is $14,000 before I have to file a gift tax return. What I don't know is the gift tax/estate tax effects on me since I will exceed that amount and since I vaguely recall there is a limit for a US Citizen (me) gifting over the $60,000 (i think that was the limit cap that you can give to non-us citizens that is not your spouse) does that mean I'll end up paying taxes on ~$40,000 since I can't use my estate tax to cover it because its to a non us citizen? A Nigerian Prince's wedding present rests in your hands FWF
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Hit and Run Advice
Added on : Monday December 09th 2013 06:00:14 AM
g: 0 Posted By: txrandom
Views: 34 Replies: 0 I posted this in the New Users thread, but it didn't garner any attention:

I was on the receiving end of a hit and run a couple weeks ago. Fortunately I was able to get the other driver's license plate and filed a police report the same night. My insurer estimated about $2,000 worth of damages with a deductible of $500. After the police report was completed, the insurer adjusted the deductible down to $250 due to the other driver being uninsured. The truck is still in drivable condition although the back bumper and tailgate should be replaced. The accident occurred in Texas. I have a few questions:

1. Are there any safety concerns with a damaged back bumper? Will another rear ending have the potential for more damage?
2. Can I take the money and not repair it? The car is nearly ten years old (although was in good condition), but I'll most likely be traveling for a couple years in about six months. It will get very little use during that time. I had planned to buy a new car after the traveling anyways.
3. Can I sue the other motorist for damages? Would my damages just be limited to the deductible? Based on the other motorist's car, the area of town and them being uninsured, they are more than likely poor and collecting would probably be difficult.

Thank you for the advice.
Personal Finance Deals
Individual income vs household income
Added on : Sunday December 08th 2013 06:00:11 AM
g: -1 Posted By: Endeavorer
Views: 76 Replies: 0 Yahoo is showing this online article dated December 5, 2013 apparently from U.S. News & World Report
http://finance.yahoo.com/news/credit-limit-determined-141611395....
which says

"Since 2009's Credit CARD Act, it was a requirement that applicants report individual income (instead of household income). This change was originally made to keep young adults from racking up credit card debt they couldn't pay off. However, it unintentionally kept stay-at-home spouses and partners from qualifying for credit. The Consumer Financial Protection Bureau lifted the restriction last month, and applicants can once again report household income."

Has anyone been tracking this to know whether the article is correct regarding the lifting of the restriction?

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FREE - Nuance Dragon NaturallySpeaking 12 Home FAR + AC from Newegg.com
Added on : Saturday December 07th 2013 08:00:01 PM
g: 0 Posted By: 116sloppyjoe116
Views: 31 Replies: 0 Link
Coupon Code:WEDRG12
$30 MIR

$69.99 - $39.99 AC - $30 MIR = FREE
Also qualifies for Free "EggSaver Shipping".

Check the terms if you've purchased it before. Be prepared to wait up to 3-4 months for rebate (many report difficulties so follow the rebate instructions carefully and keep backup copies of all documentation.

With CashBack and a little effort, you make a little money on this excellent piece of software.
g: 0 Posted By: MISTERCHEAP
Views: 258 Replies: 0 Discount Mags is having a Magazine Sale that offers both Print + Digital Subscriptions starting at $5 each per year. Thanks brisar

Note: Digital subscription must be activated upon arrival of your first print issue. Refer to forum thread for more details.
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Webroot SecureAnywhere AntiVirus - FREE for Ally Bank customers
Added on : Friday December 06th 2013 08:00:11 AM
g: 0 Posted By: SickPup404
Views: 56 Replies: 0 Log in to your Ally.com account, then clickLinkage(or click the "Security" link at the bottom of the page, then the Webroot banner on the left side). This replaces Prevx (Webroot bought out Prevx in 2010 and this is a complete redesign.)

Compatible with Windows/Mac/Android (NOT iOS).

Each device requires a new registration key, but it looks like they just keep generating them for your account.

Webroot gets good reviews from PC Mag and the Gartner report was good too. Coexists nicely with MSE, but I can't speak to Norton/McAfee/etc.
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Consumer Reports 1yr/lt;$18
Added on : Tuesday December 03rd 2013 08:00:06 AM
g: 0 Posted By: happyhelper
Views: 138 Replies: 0 http://bestdealmagazines.com/weekly_specials.asp

Consumer Reports
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Just $19.16 for 1 Year
After 8.5% CB this would be a pretty low price of $17.53/year.

Also, Family Circle $3.75/year w/Coupon Code:WKLYSPEC

and 20% off cheap subs (the low priced $4.69 and $5.95 "categories")Coupon Code:SUPER20DEAL

Also, a further discount thanks to site problems with:
When returning please use COUPON CODEMAINT15to receive15% offall coupon eligible titles.

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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
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Today Only! T-Mobile Cyber Monday Sale + Up to $50 Cash Back
Added on : Monday December 02nd 2013 08:00:07 AM
g: -1 Posted By: FatWallette
Views: 267 Replies: 1
Cyber Monday Deals + Free Shippingexp. 12/2/13 



More Offers from T-Mobile
3.5% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.  5.00 Cash Back on PrePaid Mobile Broadband$7.50 Cash Back per device on Prepaid Phone orders$17.50 Cash Back on Post Paid Mobile Broadband with qualifying 2 year plan$50.00 Cash Back on Wireless Service Activation7.5% Cash Back on Accessory Only ordersCash Back available on new activations and equipment onlyCash Back on 2nd and subsequent phones will be reported at a later date than 1st phoneCash Back not available for data only plansCash Back not available on PrePaid Mobile Broadband laptop sticks Receive the Hot Deals and Offers Added Each Day by Email!
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Cell Phones Deals

T-Mobile Coupons
g: 0 Posted By: fivetalents
Views: 432 Replies: 2 BISSELL 86T3 Big Green Deep Cleaning Machine Professional Grade Carpet Cleaner
4.8 out of 5 stars (388 customer reviews)

Recent Price: $369.99 (mostly between $430-$470 range)
Price: $339.99 & FREE Shipping (some cards like Chase Freedom offer an extra 5% or $17 off & tivoli reports this will be offered as a lightening deal on Cyber Monday)
Ships from and sold by Amazon.com.

Details
- Cleans better and dries faster* than the leading rental carpet cleaner
- Rotating DirtLifter PowerBrushes provide more dirt removing power
- Removes tough spots and stains: long reach hose and tough stain tool make cleaning stairs and other hard to reach areas easy
- Flow Indicator: monitors water and solution levels and let's you know when it's time to check the tanks
- Large capacity clean and dirty tanks: are removable, making filling and empty the tanks fast and easy
Appliance Deals

Amazon Coupons
g: 0 Posted By: azs1
Views: 239 Replies: 0 Stock up on holiday chocolate now with 20% off and free ground shipping (Saturday delivery is available for an additional shipping charge)! Just use code 33024at checkout.

Fannie May free shipping offers usually require a minimum purchase. However, you get free shipping with no minimum with this deal, which makes this a better deal than their more common percent-off offers.

FW CashBack is 8% (Discovercard is 20%).

Offer valid through 12/2/13.

(Note: The discount not valid on already-reduced merchandise or gift cards. 2 Day Air shipping is also required to Florida year-round, so shipping may not be discounted there -- if anyone tests that out, please report your results!)
Food Deals

Fannie May Candies Coupons
Condo Tub Drain Leaking Damage To Neighbor's Ceiling
Added on : Saturday November 30th 2013 09:00:21 AM
g: 0 Posted By: cdddazz
Views: 121 Replies: 1 I own a second story condo, there are no units above me. The unit below mine reported a leak in ceiling, above their tub, below my drain shower tub. I don't think HOA would play a role here as this is not a common element, and pipe is a drain attached o my tub. To replace, I will need to hire a plumber to cut through the drywall in the unit beneath me and fix the leak. I'm not sure what my insurance will cover yet since I won't be able to speak with an adjuster until Monday. My deductible is $500, but would obviously rather not go through insurance unless needed.

Am I responsible for repairing the leaking pipe or is this the neighbors responsibility?
If I am responsible for the above then am I also responsible for repairing and painting the neighbors ceiling as the plumber would need to make a hole to access leaking pipe.
Typically would my condo insurance cover any of this or would it fall on the neighbors insurance?
Personal Finance Deals
g: 8 Posted By: MISTERCHEAP
Views: 1271 Replies: 7 TRU Triple Buffet Slow Cooker for only $24.99 (Reg. $79.99)! PLUS after the 20% off promo code CYBERSAVE and free shipping, youll pay just $19.99 (+ tax) to have this shipped to your door.

Even sweeter, through December 1st, everyone gets $15 Kohls Cash for every $50 spent in store, online & at the kiosk on all sale-, regular- and clearance-priced merchandise! Just take your Kohls Cash coupon to your nearest Kohls Department Store or enter your coupon number and pin at checkout on Kohls.com, starting December 2nd-December 9th.

http://www.kohls.com/product/prd-863066/tru-triple-buffet-slow-c...

some people reporting a $17.99 final price...YMMV
Appliance Deals

Kohl's Coupons
g: 0 Posted By: ode2k
Views: 1 Replies: 0 Free Christmas Devotional Book - "The Promise of Christmas is Jesus" by Jack Countryman [PDF Ebook]

http://www.faithgateway.com/free-christmas-devotionals-advent/?utm_source=fgadventoffer&utm_medium=email&utm_campaign=fgadventoffer20131129&spMailingID=44478837&spUserID=NTY1NTkwNjgyNjMS1&spJobID=215995741&spReportId=MjE1OTk1NzQxS0#.UplWVcRDunB
Whats your take on economy direction
Added on : Friday November 29th 2013 11:00:12 AM
g: 0 Posted By: VAIndigo
Views: 184 Replies: 2 I heard strong opinions on both sides. Some articles and personal opinions suggest we are on a strong footing while there are other respected analysts believe things are largely covered up and economic and financial future here is ugly.
Which side of the fence are you and what is your reasoning?

You see articles in papers stating housing recovery is great while you see some analysts saying its doomed. I am in no means saying this guys is a reputed and noteworthy but the sentiment is there.
http://www.etfguide.com/commentary/1152/Is-the-U.S.-Housing-Market-Far-Worse-than-Reported/

Has housing market in up trend or not yet? My personal experience from Northern Virginia area is ... builders are saying "Good you want to buy a house .. let me put you on waiting list .. sorry i am oversold for this month. I can't sell anymore until next month..." .. Hmmm
Discussion Deals
Drop Insurance Claim
Added on : Friday November 29th 2013 10:00:12 AM
g: 0 Posted By: jaegermister2354
Views: 32 Replies: 0 All - I had my car vandalized and i filed an insurance claim expecting it to be much higher than 500 deductible. Now i found a Body Shop to do it for 650.
I think in the long run it may better to pay 650 and not file a claim, can i drop my insurance claim? Will it still be on my auto insurance record since i reported a claim?

Thanks
Personal Finance Deals
Samsung 46" LED LCD for $412 after MIR/V.me
Added on : Friday November 29th 2013 09:00:03 AM
g: 0 Posted By: nquinn
Views: 138 Replies: 0 I've been looking for a good TV deal for a while, and finally ran across this:

@TigerDirect:

Samsung UN46EH5000 - this is the very basic, non-smart, 60hz model
- 46" LED LCD
- 2 HDMI inputs
- non-smart, non 3d
- 60hz

So, it's a basic stripped down model, but is very highly rated by consumer reports.

Warning: there's some hassle to get the final price:

$499 base price
- $60 mail in rebate, which requires activation + a cc
- $30 V.me promotion
- 3% ca$hback from [URL="[L=http://bit.ly/181fgUx"]TCB]http://bit.ly/181fgUx"]TCB[/L][/URL]
+ $12 ground shipping (may vary for you)

My total was around $412

[url]http://www.tigerdirect.com/applications/SearchTools/item-details...[/url]
LED TV Deals

Tiger Direct Coupons
g: 2 Posted By: remick
Views: 156 Replies: 1 http://www.amazon.com/Excel-University-Featuring-Accounting-Professionals-ebook/dp/B00FX8X1LE

Building on the firm foundation established in the first volume, the second installment in the Excel University series continues to explore the Excel features, functions and techniques relevant to accounting and finance professionals. Volume 2 focuses on how to automate recurring-use reports. Amounts in hands-free reports update the instant updated data is inserted into the workbook, for example, when an updated trial balance is pasted into the data sheet. This volume covers the Excel items needed to build and automate reports, including lookups, dynamic headers, mapping tables, error trapping, conditional summing, and date related functions. Excel practice files and solutions videos are available online so you can work hands-on as you read through the content. The skills developed in this volume will help you get your work done in less time.
Books Deals

Amazon Coupons
g: 0 Posted By: Danzilla
Views: 123 Replies: 0 EDIT: Just saw the 'quality refurished' tag... about 10 seconds AFTER posting this deal. Still not terrible, but not what I thought it was.

Tiger Direct has the MSI 7870 2GB card for $149.99 - 2x$10 rebates, shipped free. Add a filler (also shipped free if possible) and check out with V.Me to get $30 off $150 purchase. This puts the total around $100 after rebate.

http://www.tigerdirect.com/applications/SearchTools/item-details...

Some people have reported having problems getting the V.Me discount to show up. If all else fails, try creating a new V.Me account.

Happy Black Friday!
Video Cards Deals

Tiger Direct Coupons
Vintners Alliance Wine 10% off and One Cent Shipping til Mon., no min.
Added on : Thursday November 28th 2013 05:00:05 PM
g: 0 Posted By: myrtle
Views: 154 Replies: 0 Vintners Alliance is offering 10% off wine and one cent shipping withno minimum thru Monday. I've been giving the various "Wines That Rock" wines to friends and their reports are very good, especiallyfor the price.This is a small winery in California. Their"Grateful Dead" is a sure winner. Here's a link to Amazon reviews of it: http://www.amazon.com/Wines-That-Rock-Grateful-Steal/product-reviews/B009RAXT66/ref=cm_cr_dp_see_all_summary?ie=UTF8&showViewpoints=1&sortBy=byRankDescending

And, here's the email from vintnersalliance.com:As a token of our appreciation, through Monday, we're discounting all of our wines to you. At least 10% off and 1 shipping. Based on the average order, that equates to ~30% off! No minimums either. Just a 'thank you' from us to you.All you need is the coupon code "Thanks". Please feel free to share with a friend.The code is valid through Monday 12/2 at 11.59pm in Napa Valley.


Wine Deals
Fannie May candy - 20% off and free shipping (no minimum) - exp. 11/30
Added on : Thursday November 28th 2013 07:00:07 AM
g: 1 Posted By: azs1
Views: 446 Replies: 3 It's unusual for Fannie May to have a free shipping with no minimum offer, which makes this a better deal than their more common percent-off offers.

So, stock up on holiday chocolate now with 20% off and free ground shipping (Saturdaydelivery is available for an additional shipping charge)! Just use code 55829 or 68294 at checkout.

FW CashBack is 8% (Discovercard is 20%).

Offer valid until11/29/13 at 11 AM Central.

(Note: The discount may not work on already-reduced merchandise. 2 Day Air shipping is also required to Florida year-round, so shipping may not be discounted there -- if anyone tests that out, please report your results!)
Gifts Deals

Fannie May Candies Coupons
g: 0 Posted By: lessalesa
Views: 664 Replies: 3 *Update* - It seems this is for Arkansas Entergy customers only. Sorry.

I dont know if this is targeted. It worked for me, and my brother.

Sign up with Entergys rewards club. (Must be a customer, must have your account number.)

https://www.entergysolutionsrewards.com/

1500 points for signing up. (This is the YMMV part.)

Now go to Earn more points:

200 points - Complete home profile

150 points - Share your pledge on face book

150 points - View your home energy report.

= 2000 points!

Each 1000 points gets you a $10 gift card. Amazon is sent to your email immediately (be sure to check your spam folder if you dont see it). Here are the gift cards they have:

Amazon.com
Barnes & Noble
Chili's
Foot Locker
GameStop
Gander Mountain
golfsmith
Groupon
iTunes
Maggiano's
Marriott
Old Navy
Overstock.com
Regal Cinemas
Sephora
Stein Mart
Target
TGI Friday's
The Cheesecake Factory
The Home Depot
Wine Enthusiast

Limited Eligibility Deals
Entergy customers - possible free $20 in gift cards - expires 11-30-13
Added on : Tuesday November 26th 2013 10:00:08 PM
g: 0 Posted By: lessalesa
Views: 111 Replies: 0 I dont know if this is targeted. It worked for me, and my brother.

Sign up with Entergys rewards club. (Must be a customer, must have your account number.)

https://www.entergysolutionsrewards.com/

1500 points for signing up. (This is the YMMV part.)

Now go to Earn more points:

200 points - Complete home profile

150 points - Share your pledge on face book

150 points - View your home energy report.

= 2000 points!

Each 1000 points gets you a $10 gift card. Amazon is sent to your email immediately (be sure to check your spam folder if you dont see it). Here are the gift cards they have:

Amazon.com
Barnes & Noble
Chili's
Foot Locker
GameStop
Gander Mountain
golfsmith
Groupon
iTunes
Maggiano's
Marriott
Old Navy
Overstock.com
Regal Cinemas
Sephora
Stein Mart
Target
TGI Friday's
The Cheesecake Factory
The Home Depot
Wine Enthusiast

Limited Eligibility Deals
NOT COMFIRMED YET: Kohls Black Friday 30% off sitewide, Nov 27-28
Added on : Tuesday November 26th 2013 06:00:09 PM
g: 0 Posted By: FlyingDelphin
Views: 1557 Replies: 5 One person on sd reports:

Kohls Black Friday 30% off sitewide, Nov 27-28

with promo codeBLACKFRIDAY

No Charge card required


Clothing Deals

Kohl's Coupons
Who Reports to CRAs, and When?
Added on : Tuesday November 26th 2013 03:00:08 PM
g: 0 Posted By: NeoMayhem
Views: 68 Replies: 0 I have seen a lot of posts on FWF about when delinquent accounts can be reported, and if a SSN is needed or not. It seems there are three types of accounts when it comes to negative credit reporting:

1. Shows up on CR immediately after 30 days late.
-Credit Cards, Car Loans, Student Loans, Mortgages, others that report monthly
2. May show up on CR after 30-90 days late depending on company. They usually try to get payment first.
-Utilities, Cable, Cell Phones, Internet, others who ask for SSN at sign up, but do not report regularly.
3. Must go to collections before it hits report. These companies do not generally report to CRAs directly.
-Medical Bills, Home/Car Maintenance, Landlords, PayPal, others who do not normally view/report to CRAs.

Does this seem accurate. Anything I am missing?
Discussion Deals
Rug Doctor X3 $255.67 with Discover + $90 in kohls cash-YMMV
Added on : Tuesday November 26th 2013 09:00:13 AM
g: 2 Posted By: dafish
Views: 619 Replies: 2 It's now being reported that the Kohls 20% off code is working with Kolhs credit cards only, so it appears this may be dead.

YMMV in title as you must have a Discover card and be signed up for the 5% online shopping this quarter to get this final price
.
Final price will be $255.67 after Discover + $5 shipping surcharge + tax on $300.79. Shipping is free except for the surcharge.
If you want to consider the Kohls cash as part of your purchase price then the final price would be $165.67. I didn't count this in the title.

X3 - add to bag to see sales price of $375.79

Kohls 20% off code20FORU brings price to $300.79

Shop Discover 10% at Kohls + 5% online shopping this quarter - you must be signed up = $45.08 - this will not be an immediate discount, but received in your Discover account in a couple of weeks. You must go through Shop Discover to get the 15% Cash Back. Do not link through Fat Wallet.

You will receive $90 in Kohls cash to spend online or instore from December 2 - 11. It will be reflected in your emailed order receipt, but the actual Kohls cash will be emailed separately, usually within 24 hours.

You do not need a Kohls card to use the 20% off code or receive the Kohls cash.








Home & Garden Deals

Kohl's Coupons
g: 0 Posted By: MISTERCHEAP
Views: 147 Replies: 0 Staples ONE DAY sale . Wed Nov 27..Coupons and coupon codesI did not see this posted yet..forgive me if a report

In my today's local paper there were a few Staples discount codes/coupons that are good WEDNESDAY NOVEMBER 27th ONLY

ONLINE LINK TO BE ADDED WHEN AVAILABLE (expect Staples will email these out as well)

25% off one item..Code 89905...has the typical Staples technology exclusions

$100 off computers regularly priced $499 or more( includes clearance) Code 88975

$50 off tablets $149.99 or more or mobile phone $49.99 or more( includes clearance)..Code 50561
Computers Deals

Staples Coupons
Got hit by car from rear in Los Angeles
Added on : Monday November 25th 2013 09:00:09 AM
g: -7 Posted By: cubbychicagolove
Views: 180 Replies: 7 Got hit by car from rear while driving in School Zone. I was driving in designated speed in School Zone as it was morning time. It happened in Los Angeles. a guy driving behind me started honking even there were 2 lanes, but I maintain my speed as it was school zone and very next intersection I had to take right bcz that's where I work. no major damage to car, no injuries to him. Few scratches to my car. but I am feeling pain in my lower back because of the jerk from the hit. I can walk, sit at my desk at work but there is pain.

we exchanged information, took pictures. I have medical insurance, but want to know what are my chances of getting it covered by that guy's insurance?
I reported the accident to my insurance company, and my insurance company contacted his insurance company. Now I need to wait for his insurance company to call me as mentioned by My insurance company.

any good help appreciated
Personal Finance Deals
g: -1 Posted By: elptrainerny
Views: 222 Replies: 2 -Wonder how much money he will make after the law suits.."A man trying to pay a fee using $2 bills was arrested, handcuffed and taken to jail after clerks at a Best Buy store questioned the currencys legitimacy and called police.According to an account in the Baltimore Sun, 57-year-old Mike Bolesta was shocked to find himself taken to the Baltimore County lockup in Cockeysville, Md., where he was handcuffed to a pole for three hours while the U.S. Secret Service was called to weigh in on the case.Bolesta told the Sun: I am 6 feet 5 inches tall, and I felt like 8 inches high. To be handcuffed, to have all those people looking on, to be cuffed to a pole and to know you havent done anything wrong. And me, with a brother, Joe, who spent 33 years on the city police force. It was humiliating.After Best Buy personnel reportedly told Bolesta he would not be charged for the installation of a stereo in his sons car, he received a call from the store saying it was in fact charging him the fee. As a means of protest, Bolesta decided to pay the $114 bill using 57 crisp, new $2 bills.As the owner of Capital City Student Tours, the Baltimore resident has a hearty supply of the uncommon currency. He often gives the bills to students who take his tours for meal money.The kids dont see that many $2 bills, so they think this is the greatest thing in the world, Bolesta says. They dont want to spend em. They want to save em. Ive been doing this since I started the company. So Im thinking, Ill stage my little comic protest. Ill pay the $114 with $2 bills.Bolesta explained what happened when he presented the bills to the cashier at Best Buy Feb. 20.She looked at the $2 bills and told me, I dont have to take these if I dont want to. I said, If you dont, Im leaving. Ive tried to pay my bill twice. You dont want these bills, you can sue me. So she took the money like shes doing me a favor.Bolesta says the cashier marked each bill with a pen. Other store employees began to gather, a few of them asking, Are these real?Of course they are, Bolesta said. Theyre legal tender.According to the Sun report, the police arrest report noted one employee noticed some smearing of ink on the bills. Thats when the cops were called. One officer reportedly noticed the bills ran in sequential order.Said Bolesta: I told them, Im a tour operator. Ive got thousands of these bills. I get them from my bank. You got a problem, call the bank. Im sitting there in a chair. The stores full of people watching this. All of a sudden, hes standing me up and handcuffing me behind my back, telling me, We have to do this until we get it straightened out.Meanwhile, everybodys looking at me. Ive lived here 18 years. Im hoping my kids dont walk in and see this. And Im saying, I cant believe youre doing this. Im paying with legal American money.Bolesta was taken to the lockup, where he sat handcuffed to a pole and in leg irons while the Secret Service was called.At this point, he says, Im a mass murderer.Secret Service agent Leigh Turner eventually arrived and declared the bills legitimate, adding, according to the police report, Sometimes ink on money can smear.Commenting on the incident, Baltimore County police spokesman Bill Toohey told the Sun: Its a sign that were all a little nervous in the post-9/11 world."
Discussion Deals
Do you need to pay tax on the money you receive in your PayPal account?
Added on : Friday November 22nd 2013 06:00:12 AM
g: -2 Posted By: alexro
Views: 155 Replies: 7 Hello,

I just have a short question because I am not sure how this works.

I have a PayPal account and I recently got one of those card readers that you attach to your phone and allows you to receive a payment to your PayPal account using your phone.
Suppose I want to swipe a rebate card that I received. (Yes I am aware that PayPal charges 2.7% transaction fees and that I could just use that rebate card to pay a bill or dump it into Amazon, but let's leave that aside for a moment.)
Since it's just moving my money around I shouldn't have to report it to the IRS and to pay tax on it. However will PayPal see this as income and report it or force me to report it/pay tax?
For a single rebate card the amount is to small to matter, but if I do this for all the rebates I do in an year it adds up quite a bit.

Thanks and hope it's not a dumb question.
Personal Finance Deals
Amazon Black Friday deals press release - Starts Sunday the 24th
Added on : Thursday November 21st 2013 07:00:08 AM
g: 15 Posted By: Murrow
Views: 3031 Replies: 8 Black Friday deals offered earlier than ever before starting Sunday, November 24

Eight days filled with thousands of deep Black Friday discounts

Offering more Lightning Deals including a 32" LED TV for $98 and 50% off the Amazon Exclusive LeapPad2 - Doc McStuffins Bundle

SEATTLE--(BUSINESS WIRE)--Nov. 21, 2013-- (NASDAQ:AMZN) Today, Amazon.com announced Black Friday deals will start a day earlier this year, beginning on Sunday, November 24, with new daily deals as often as every ten minutes. Customers can also enjoy free shipping on millions of eligible items including leading electronics and some of the most anticipated toys, or unlimited Free Two-Day Shipping on more than 15 million items with Amazon Prime.

"We are heading into the busiest and most fun time of the year for Amazon, with an astonishing number of deals for customers," said Craig Berman, Vice President, Amazon Global Communications. "Beginning this Sunday, customers can expect to find a new deal every 10 minutes, including electronics, toys, books, movies, tools and much more and all these deals can be scooped up from the comfort of home or while on the go through our mobile shopping app."

Following are examples of some of the amazing deals that will be available at various times starting Sunday, November 24 through Black Friday weekend (www.amazon.com/blackfriday):

Electronics:
Vizio E550i-A0 55-Inch 1080p 120Hz Smart HDTV, $479.99
Seiki 32-inch 720p 60Hz LED HDTV, $98
Seiki 50-Inch 1080p 60Hz LED HDTV, $229
Vizio 60-inch 1080p 120Hz HDTV, $688
Samsung 65-Inch 1080p 120Hz LED HDTV (Black), $999
Samsung 55-Inch 1080p 240Hz 3D Ultra Slim Smart LED HDTV, $1297.99
Sony BDP-S3100 Blu-ray Disc Player with Wi-Fi, $54.99
Google Chromecast streaming media player, $29.99
Save on a selection of laptops from great brands like Asus, Dell and Lenovo starting at $239.99
Save $80 on a waterproof action camera
Canon T3 Digital SLR Camera, under $400
Nikon D3200 Digital SLR Camera and 2 lens kit, under $500
Save $300 on Fujifilm XS-1 26x long zoom camera
Jawbone Jambox Bluetooth Speaker, $99.99
HTC One, $0.01 with a new 2 year contract (with Sprint, Verizon, AT&T)

Toys:
50% off LeapFrog LeapPad2 Learning Tablet - Doc McStuffins Bundle (Amazon Exclusive)
50% off K'NEX Angry Birds Christmas Advent Calendar (Amazon Exclusive)
Up to 50% off SpongeBob toys
50% off select VTech toys

Video Games:
Save up to 90% on select titles in the Amazon Appstore
Xbox 360 250 GB Holiday Value Bundle including Halo 4 and Tomb Raider, $189.99
PS3 250GB Bundle including The Last of Us and Batman Arkham Origins, $199
$34 for popular games like Grand Theft Auto V and Batman Arkham Origins
Call of Duty Ghosts, $39.96
$25 for popular games like FIFA 14, Madden 25, Battlefield 4, NCAA
Skylanders Swap Force Characters Buy 2 Get 1 Free

Books and Movies:
Up to 53% off popular books throughout Black Friday weekend, including LIFE: The Day Kennedy Died
25 Cinematic Kindle Books, $1.99 each
Up to 63% off 8,000 popular movies and TV shows including Dexter, Jack Reacher, and The Heat
Hourly Lightning Deals with savings up to 80% on over 440 movies & TV shows

Kitchen:
Mr. Coffee single-cup brewer powered by Keurig (assorted colors), $64.99
Skybar 1-Chamber Wine Preservation System, $179.99
Oster Rechargeable and Cordless Wine Opener with Chiller, $14.99

Tools:
Up to 60% off best-selling tools from DEWALT and Bosch
$10 off purchase of $50 or more on select Black & Decker tools

DIY:
Save $100 on SINGER Fashion Mate 70-Stitch Computerized Free-Arm Sewing Machine
Bond Pink 5-Piece Garden Tool Bag and Gift Set, Under $20

Pets:
ABO Gear, Fun Tunnel for Cats, $21.19
45% off Perky-Pet Copper Triple Tube Bird Feeder

Music:
Up to 60% off popular albums including New by Paul McCartney, Blurred Lines by Robin Thicke and Blunderbuss by Jack White
MP3 albums start at $5.99 including Luke Bryan, Kasey Musgraves, The Head & The Heart, The Avett Brothers, Vampire Weekend, Janelle Monae, Phoenix and Drake
Memorex SingStand 2 Karaoke System, $54.99
First Act Kids Instrument Bundle, $99.99

Baby:
Save 50% or more on Philips AVENT Infant Starter Gift Set
Save 60% or more on Levana Stella Baby Monitor
Save up to 30% on select Skip Hop Diaper Bags
Save 40% or more on BABYBJORN Organic Baby Carrier

Fashion and Apparel:
Up to 60% off jackets & coats
Up to 65% off sweaters & fleece
Up to 60% off pajamas & robes
25% off boots, slippers & more

All prices available at select times and while supplies last.

Black Friday Countdown Deals THIS WEEK

Continue to check Amazon's early Black Friday deals event for more countdown deals this week including the LG 50-inch HDTV for $448, great deals on toys and popular video games under $50.

Save up to 90% on select titles in the Amazon Appstore

Throughout the holiday season, the Amazon Appstore will have hundreds of titles that are either free, as part of the Amazon Free App of the Day program, or available between 50% - 90% off. The deals will include popular titles like Super Why!, Where's My Mickey, Monopoly, Angry Birds Star Wars II, NBA2K14, Wheel of Fortune and OfficeSuite Pro, among others. Starting on Black Friday and running through Cyber Monday, the Amazon Appstore will feature discounts on OfficeSuite Pro from $14.99 to $.99 and Wheel of Fortune from $2.99 to $.99 including a holiday update that is only available to Android customers via the Amazon Appstore for a limited time. Customers can find all the latest deals in the Amazon Appstore by visiting www.amazon.com/appstore.

Thanksgiving Becomes Mobile Shopping Holiday

Pass the turkey and the mobile phone, Thanksgiving Day has become one of the biggest mobile shopping days on Amazon. People love shopping on a mobile device so much, millions of Amazon customers shop exclusively on a mobile device all year. The free Amazon mobile shopping app offers customers an on-the-go shopping solution, now with opt-in push notifications, making it easy for customers to keep up with the latest deals, allowing customers to go from "I want that" to "I bought that" in under 30 seconds.

Find Toy and Electronic Gift Ideas

Shoppers can visit Amazon's curated and easy to navigate toy and electronics gift lists to discover some of the hottest items of the season. For more details, visit www.amazon.com/holidaytoylist and www.amazon.com/electronicsgiftlist.

Support your Favorite Charitable Organization

Shop on AmazonSmile (smile.Amazon.com) this holiday and find the exact same Amazon you know and love, with the added bonus that Amazon will donate a portion of the purchase price to your favorite charitable organization.

Save More with the Amazon.com Rewards Visa Card from Chase

Chase has joined Amazon in celebrating Black Friday Deals this holiday season. All year long, customers using the Amazon.com Rewards Visa Card from Chase can earn 3X points for purchases at Amazon.com. To learn more about the Amazon.com Rewards Visa Card, customers can visit www.amazon.com/rewards.

Fast, Free Shipping Everyday on Amazon

Amazon Prime members enjoy unlimited Free Two-Day Shipping on more than 15 million items for only $79 a year. To become a member of Amazon Prime, or to learn more about the membership program, customers can visit www.amazon.com/prime. Amazon also offers free shipping on millions of items every day, year-round, on eligible orders $35 and over.

About Amazon.com

Amazon.com, Inc. (NASDAQ:AMZN), a Fortune 500 company based in Seattle, opened on the World Wide Web in July 1995 and today offers Earth's Biggest Selection. Amazon.com, Inc. seeks to be Earth's most customer-centric company, where customers can find and discover anything they might want to buy online, and endeavors to offer its customers the lowest possible prices. Amazon.com and other sellers offer millions of unique new, refurbished and used items in categories such as Books; Movies, Music & Games; Digital Downloads; Electronics & Computers; Home & Garden; Toys, Kids & Baby; Grocery; Apparel, Shoes & Jewelry; Health & Beauty; Sports & Outdoors; and Tools, Auto & Industrial. Amazon Web Services provides Amazon's developer customers with access to in-the-cloud infrastructure services based on Amazon's own back-end technology platform, which developers can use to enable virtually any type of business. Kindle Paperwhite is the world's best-selling and most advanced e-reader. It features new display technology with higher contrast, the next generation built-in light, a faster processor, the latest touch technology, and exclusive new features designed from the ground up for readers. Kindle, the lightest and smallest Kindle, features improved fonts and faster page turns. The new Kindle Fire HDX features a stunning exclusive 7" or 8.9" HDX display, a quad-core 2.2 GHz processor, 2x more memory, and 11 hours of battery life, as well as exclusive new features of Fire OS 3.0 including X-Ray for Music, Second Screen, Prime Instant Video downloads, and the revolutionary new Mayday button. The all-new Kindle Fire HD includes an HD display, high-performance processor and dual speakers at a breakthrough price.

Amazon and its affiliates operate websites, including www.amazon.com, www.amazon.co.uk, www.amazon.de, www.amazon.co.jp, www.amazon.fr, www.amazon.ca, www.amazon.cn, www.amazon.it, www.amazon.es, www.amazon.com.br, www.amazon.in, www.amazon.com.mx, and www.amazon.com.au. As used herein, "Amazon.com," "we," "our" and similar terms include Amazon.com, Inc., and its subsidiaries, unless the context indicates otherwise.

Forward-Looking Statements

This announcement contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Actual results may differ significantly from management's expectations. These forward-looking statements involve risks and uncertainties that include, among others, risks related to competition, management of growth, new products, services and technologies, potential fluctuations in operating results, international expansion, outcomes of legal proceedings and claims, fulfillment and data center optimization, seasonality, commercial agreements, acquisitions and strategic transactions, foreign exchange rates, system interruption, inventory, government regulation and taxation, payments and fraud. More information about factors that potentially could affect Amazon.com's financial results is included in Amazon.com's filings with the Securities and Exchange Commission, including its most recent Annual Report on Form 10-K and subsequent filings.
Electronics Deals
Amazon Black Friday deals press release
Added on : Thursday November 21st 2013 05:00:02 AM
g: 1 Posted By: Murrow
Views: 244 Replies: 0 Black Friday deals offered earlier than ever before starting Sunday, November 24

Eight days filled with thousands of deep Black Friday discounts

Offering more Lightning Deals including a 32" LED TV for $98 and 50% off the Amazon Exclusive LeapPad2 - Doc McStuffins Bundle

SEATTLE--(BUSINESS WIRE)--Nov. 21, 2013-- (NASDAQ:AMZN) Today, Amazon.com announced Black Friday deals will start a day earlier this year, beginning on Sunday, November 24, with new daily deals as often as every ten minutes. Customers can also enjoy free shipping on millions of eligible items including leading electronics and some of the most anticipated toys, or unlimited Free Two-Day Shipping on more than 15 million items with Amazon Prime.

"We are heading into the busiest and most fun time of the year for Amazon, with an astonishing number of deals for customers," said Craig Berman, Vice President, Amazon Global Communications. "Beginning this Sunday, customers can expect to find a new deal every 10 minutes, including electronics, toys, books, movies, tools and much more and all these deals can be scooped up from the comfort of home or while on the go through our mobile shopping app."

Following are examples of some of the amazing deals that will be available at various times starting Sunday, November 24 through Black Friday weekend (www.amazon.com/blackfriday):

Electronics:

Vizio E550i-A0 55-Inch 1080p 120Hz Smart HDTV, $479.99
Seiki 32-inch 720p 60Hz LED HDTV, $98
Seiki 50-Inch 1080p 60Hz LED HDTV, $229
Vizio 60-inch 1080p 120Hz HDTV, $688
Samsung 65-Inch 1080p 120Hz LED HDTV (Black), $999
Samsung 55-Inch 1080p 240Hz 3D Ultra Slim Smart LED HDTV, $1297.99
Sony BDP-S3100 Blu-ray Disc Player with Wi-Fi, $54.99
Google Chromecast streaming media player, $29.99
Save on a selection of laptops from great brands like Asus, Dell and Lenovo starting at $239.99
Save $80 on a waterproof action camera
Canon T3 Digital SLR Camera, under $400
Nikon D3200 Digital SLR Camera and 2 lens kit, under $500
Save $300 on Fujifilm XS-1 26x long zoom camera
Jawbone Jambox Bluetooth Speaker, $99.99
HTC One, $0.01 with a new 2 year contract (with Sprint, Verizon, AT&T)
Toys:

50% off LeapFrog LeapPad2 Learning Tablet - Doc McStuffins Bundle (Amazon Exclusive)
50% off K'NEX Angry Birds Christmas Advent Calendar (Amazon Exclusive)
Up to 50% off SpongeBob toys
50% off select VTech toys
Video Games:

Save up to 90% on select titles in the Amazon Appstore
Xbox 360 250 GB Holiday Value Bundle including Halo 4 and Tomb Raider, $189.99
PS3 250GB Bundle including The Last of Us and Batman Arkham Origins, $199
$34 for popular games like Grand Theft Auto V and Batman Arkham Origins
Call of Duty Ghosts, $39.96
$25 for popular games like FIFA 14, Madden 25, Battlefield 4, NCAA
Skylanders Swap Force Characters Buy 2 Get 1 Free
Books and Movies:

Up to 53% off popular books throughout Black Friday weekend, including LIFE: The Day Kennedy Died
25 Cinematic Kindle Books, $1.99 each
Up to 63% off 8,000 popular movies and TV shows including Dexter, Jack Reacher, and The Heat
Hourly Lightning Deals with savings up to 80% on over 440 movies & TV shows
Kitchen:

Mr. Coffee single-cup brewer powered by Keurig (assorted colors), $64.99
Skybar 1-Chamber Wine Preservation System, $179.99
Oster Rechargeable and Cordless Wine Opener with Chiller, $14.99
Tools:

Up to 60% off best-selling tools from DEWALT and Bosch
$10 off purchase of $50 or more on select Black & Decker tools
DIY:

Save $100 on SINGER Fashion Mate 70-Stitch Computerized Free-Arm Sewing Machine
Bond Pink 5-Piece Garden Tool Bag and Gift Set, Under $20
Pets:

ABO Gear, Fun Tunnel for Cats, $21.19
45% off Perky-Pet Copper Triple Tube Bird Feeder
Music:

Up to 60% off popular albums including New by Paul McCartney, Blurred Lines by Robin Thicke and Blunderbuss by Jack White
MP3 albums start at $5.99 including Luke Bryan, Kasey Musgraves, The Head & The Heart, The Avett Brothers, Vampire Weekend, Janelle Monae, Phoenix and Drake
Memorex SingStand 2 Karaoke System, $54.99
First Act Kids Instrument Bundle, $99.99
Baby:

Save 50% or more on Philips AVENT Infant Starter Gift Set
Save 60% or more on Levana Stella Baby Monitor
Save up to 30% on select Skip Hop Diaper Bags
Save 40% or more on BABYBJORN Organic Baby Carrier
Fashion and Apparel:

Up to 60% off jackets & coats
Up to 65% off sweaters & fleece
Up to 60% off pajamas & robes
25% off boots, slippers & more
All prices available at select times and while supplies last.

Black Friday Countdown Deals THIS WEEK

Continue to check Amazon's early Black Friday deals event for more countdown deals this week including the LG 50-inch HDTV for $448, great deals on toys and popular video games under $50.

Save up to 90% on select titles in the Amazon Appstore

Throughout the holiday season, the Amazon Appstore will have hundreds of titles that are either free, as part of the Amazon Free App of the Day program, or available between 50% - 90% off. The deals will include popular titles like Super Why!, Where's My Mickey, Monopoly, Angry Birds Star Wars II, NBA2K14, Wheel of Fortune and OfficeSuite Pro, among others. Starting on Black Friday and running through Cyber Monday, the Amazon Appstore will feature discounts on OfficeSuite Pro from $14.99 to $.99 and Wheel of Fortune from $2.99 to $.99 including a holiday update that is only available to Android customers via the Amazon Appstore for a limited time. Customers can find all the latest deals in the Amazon Appstore by visiting www.amazon.com/appstore.

Thanksgiving Becomes Mobile Shopping Holiday

Pass the turkey and the mobile phone, Thanksgiving Day has become one of the biggest mobile shopping days on Amazon. People love shopping on a mobile device so much, millions of Amazon customers shop exclusively on a mobile device all year. The free Amazon mobile shopping app offers customers an on-the-go shopping solution, now with opt-in push notifications, making it easy for customers to keep up with the latest deals, allowing customers to go from "I want that" to "I bought that" in under 30 seconds.

Find Toy and Electronic Gift Ideas

Shoppers can visit Amazon's curated and easy to navigate toy and electronics gift lists to discover some of the hottest items of the season. For more details, visit www.amazon.com/holidaytoylist and www.amazon.com/electronicsgiftlist.

Support your Favorite Charitable Organization

Shop on AmazonSmile (smile.Amazon.com) this holiday and find the exact same Amazon you know and love, with the added bonus that Amazon will donate a portion of the purchase price to your favorite charitable organization.

Save More with the Amazon.com Rewards Visa Card from Chase

Chase has joined Amazon in celebrating Black Friday Deals this holiday season. All year long, customers using the Amazon.com Rewards Visa Card from Chase can earn 3X points for purchases at Amazon.com. To learn more about the Amazon.com Rewards Visa Card, customers can visit www.amazon.com/rewards.

Fast, Free Shipping Everyday on Amazon

Amazon Prime members enjoy unlimited Free Two-Day Shipping on more than 15 million items for only $79 a year. To become a member of Amazon Prime, or to learn more about the membership program, customers can visit www.amazon.com/prime. Amazon also offers free shipping on millions of items every day, year-round, on eligible orders $35 and over.

About Amazon.com

Amazon.com, Inc. (NASDAQ:AMZN), a Fortune 500 company based in Seattle, opened on the World Wide Web in July 1995 and today offers Earth's Biggest Selection. Amazon.com, Inc. seeks to be Earth's most customer-centric company, where customers can find and discover anything they might want to buy online, and endeavors to offer its customers the lowest possible prices. Amazon.com and other sellers offer millions of unique new, refurbished and used items in categories such as Books; Movies, Music & Games; Digital Downloads; Electronics & Computers; Home & Garden; Toys, Kids & Baby; Grocery; Apparel, Shoes & Jewelry; Health & Beauty; Sports & Outdoors; and Tools, Auto & Industrial. Amazon Web Services provides Amazon's developer customers with access to in-the-cloud infrastructure services based on Amazon's own back-end technology platform, which developers can use to enable virtually any type of business. Kindle Paperwhite is the world's best-selling and most advanced e-reader. It features new display technology with higher contrast, the next generation built-in light, a faster processor, the latest touch technology, and exclusive new features designed from the ground up for readers. Kindle, the lightest and smallest Kindle, features improved fonts and faster page turns. The new Kindle Fire HDX features a stunning exclusive 7" or 8.9" HDX display, a quad-core 2.2 GHz processor, 2x more memory, and 11 hours of battery life, as well as exclusive new features of Fire OS 3.0 including X-Ray for Music, Second Screen, Prime Instant Video downloads, and the revolutionary new Mayday button. The all-new Kindle Fire HD includes an HD display, high-performance processor and dual speakers at a breakthrough price.

Amazon and its affiliates operate websites, including www.amazon.com, www.amazon.co.uk, www.amazon.de, www.amazon.co.jp, www.amazon.fr, www.amazon.ca, www.amazon.cn, www.amazon.it, www.amazon.es, www.amazon.com.br, www.amazon.in, www.amazon.com.mx, and www.amazon.com.au. As used herein, "Amazon.com," "we," "our" and similar terms include Amazon.com, Inc., and its subsidiaries, unless the context indicates otherwise.

Forward-Looking Statements

This announcement contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Actual results may differ significantly from management's expectations. These forward-looking statements involve risks and uncertainties that include, among others, risks related to competition, management of growth, new products, services and technologies, potential fluctuations in operating results, international expansion, outcomes of legal proceedings and claims, fulfillment and data center optimization, seasonality, commercial agreements, acquisitions and strategic transactions, foreign exchange rates, system interruption, inventory, government regulation and taxation, payments and fraud. More information about factors that potentially could affect Amazon.com's financial results is included in Amazon.com's filings with the Securities and Exchange Commission, including its most recent Annual Report on Form 10-K and subsequent filings.
New hard credit check
Added on : Wednesday November 20th 2013 07:00:07 AM
g: -1 Posted By: balor124
Views: 124 Replies: 3 I bought a home June 1 and took out a loan with Everhome mortgage. Today, nearly 6mo later, I just got a hard inquiry on my report from Fannie Mae. Should I be concerned about that? It knocked my credit score down by 3 points (according to CreditKarma) but its still pretty high.
Credit Deals
Alliant CU - Refer a Friend who joins - you get $10, they get $10
Added on : Wednesday November 20th 2013 05:00:14 AM
g: 0 Posted By: tajar96
Views: 38 Replies: 0 Just got this -

Share the Alliant Advantage and get $10 for you (and $10 for someone else).
As a member of Alliant Credit Union, you already know about the Alliant Advantage.
Now isn't it time to share what you know?
For every person you refer to Alliant who joins, we will deposit $10 into your primary Alliant savings account. Plus, the new member will receive a $10 savings deposit, too! (see Program Rules for details.)
It's easy! Just click on the "Share The Advantage" button, provide the name and email of the person(s) you'd like to refer and we will email your referral(s) an invitation to join Alliant.
Refer your co-workers, family members and friends today!


The link in the email took me to a personalized page with this fine print -

Share the Alliant Advantage $10 Membership Referral Program Rules
Thank you for sharing the Alliant Advantage. To be eligible for the $10 bonus deposit, the referral (applicant) must meet eligibility requirements for Alliant membership and open an Alliant savings account. We will deposit one $10 bonus directly into your primary savings account for each referral who joins Alliant. And we will deposit one $10 bonus directly into the primary savings account of your referral who joins Alliant. Deposits will be made by January 31, 2014. Check the status of your bonus deposit on Alliant Online Banking. Offer is void if referral is already an Alliant member. The bonus deposit(s) for the $10 & $10 Bonus Membership Referral Program are considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT.
$10 & $10 Bonus Membership Referral Program is available November 1, 2013 - December 31, 2013.

Enjoy!

Deal Deals
JP Morgan agrees to $1.5 billion reduction of principal on mortgages
Added on : Tuesday November 19th 2013 07:00:10 PM
g: 0 Posted By: bighitter
Views: 0 Replies: 0 As part of today's announcedgovernment settlement of charges with JP Morgan Chase,$4 billion in aid to homeowners is required. At least $1.5 billion of the settlement is to be directed to borrowers who owe more than their property is worth (to reduce their loan balance). An additional $300 - $500 million must be used to make homeowner's monthly housing expense more affordable, such as reducing a homeowner's monthly mortgage payment. According to the wall street journal, an independent monitor will oversee the $4 billion in consumer relief to ensure it is completed by the end of 2016.

I haven't seen anything reported yet on the details of "who" or "how" the recipients will be chosen. Stay tuned.








Discussion Deals
(correction) powered off cellphones *can* be tracked
Added on : Tuesday November 19th 2013 07:00:06 AM
g: -2 Posted By: gargam3l
Views: 148 Replies: 3 Mobile phones that are powered off are still trackable.

Sorry for necroposting, but I had to correct what I (wrongfully) said to nsdp in this archived post.
Discussion Deals
Fannie Mae hard inquiry seven months after refi?
Added on : Tuesday November 19th 2013 07:00:06 AM
g: 0 Posted By: sullim4
Views: 68 Replies: 0 I closed on a refi in April of this year with Box. My loan was sold to Provident who then sold it to Fannie. As a result of this transaction I had a single hard inquiry on my credit report from Box.

Today I got a notification from TransUnion that Fannie initiated a hard pull on my credit yesterday. I certainly didn't request it nor did I apply for any new credit since I did my refi this past April. Are they allowed to initiate a hard pull like that, i.e. did I give them permission somewhere in the standard set of loan docs I signed? I am planning on disputing it based on the fact that I never got a hard pull from Fannie on any of my 2 prior mortgages, but I figured I'd ask the folks here if I'm being unreasonable or if this is a legitimate dispute. Thanks!
Discussion Deals
Sprint / Best Buy Student Promo - 1yr Service - FREE
Added on : Monday November 18th 2013 06:00:02 AM
g: 0 Posted By: MeIsCheap
Views: 41 Replies: 0 Sprint and Best Buy have partnered up to offer a My Way Student promo through 1/4/2014 where all students (i.e. anyone enrolled in a U.S.-based elementary school, middle school, high school, college, university or other accredited institute!) can snag up to 12 months of FREE talk, text . Thats a whopping savings of up to $70/month off the base monthly rate charge!

Here are the requirements:

* The student must purchase a phone at Best Buy at the student-activated price (all Sprint smartphones and basic phones are eligible for this offer!).
* Activate phone at time of purchase on Unlimited, My Way Student Promotion (a fee of $36 per line applies to each activation).
* Account holder must validate student within 14 days of phone activation date (Sprint will accept the following items via fax or online for validation: valid report card from current school year, Student ID, Enrollment confirmation /tuition receipt for current school year, or required state documents if home schooled)
* Note that this promotion is available exclusively at Best Buy it is not available at your local Sprint Store.
* At the end of the students 12 months of free service, the account holder can terminate the student line by calling Sprint or dialing *2 from their mobile phone before the end of 12 months.
* Click here for more information.


In the more information area: All student lines can add unlimited data for $10/month.
Services Deals

Sprint Coupons
g: 0 Posted By: JamesTKirk
Views: 98 Replies: 0 Use promo code SUPER20. Promo codes are entered at the end of the checkout process (last page).

Rakuten points can then be used as cash on a future purchase.

Good till 11:59 PST NOV 28.

NOTE : They claim to report to the IRS your earnings if you reach $600 or 60,000 points.

NOTE : Maximum per customer/household. ($150) <------IMPORTANT

NOTE: These points are supposed to mature and be ready to use in 3 days.
Services Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Walmart: 2 free bottles Tresemme shampoo or conditioner through 12/15/13
Added on : Sunday November 17th 2013 12:00:03 AM
g: 0 Posted By: MrVietnam
Views: 6 Replies: 0 In the 11/17 Red Plum insert there is a coupon for $5.00/2 Tresemme Products. Many of you have reported seeing Tresemme Shampoo and Conditioner for as low as $2.48 at your local WalMart, which means FREE Tresemme for many of you. Remember, this coupon limits you to two identical coupons per shopping trip.

Buy (2) Tresemme Shampoo or Conditioner $2.48 each
Use (1) $5.00 off any (2) Tresemme Products exp. 12/15/13 (RP 11/17/13)
= 2 FREE!


Thx Southern Cali Saver
Health & Beauty Deals
How to effectively negotiate with credit card companies?
Added on : Saturday November 16th 2013 03:00:05 AM
g: 0 Posted By: ecohezzy
Views: 102 Replies: 1 I'm in debt with credit card companies. The why of how that happened is something I've reviewed extensively within myself through much soul searching, daily spending monitoring, counseling, reading advice on all kinds of forums, workbooks and books from the library.
What I need advice on, and hoping someone here can help me out with...is how to negotiate effectively with the credit card companies.
As of this date, I've not been late on a payment for any kind of bill in...gosh, I don't know...30 yrs?
But, things are what they are, and the end of this month will be the first time I'm going to have choose which bills do not get paid, I truly do not have enough money to pay all my bills.
The ideal strategy for me at this point, is to talk to 3 of my credit card agencies and ask them to accept a lower than minimum payment for the next 6 months.
I've run the numbers dozens of times, and it truly could work. Not saying that in 6 months everything will be fine, but that six months will allow me, if saving me 300 per month, the chance to get back on track (with working every bit of OT I can get).
A bonus would be if they didn't make a negative report, but at this point, I really can't get too concerned about my credit score.
What I don't want to pay late: Mortgage, Insurance, Auto Payment (unfortunately,, my car recently bit the dust, so I had to go buy a used one, no cash so had to finance).
I've read numerous articles and I think this is what I should do,, but if you have any other constructive advice, please let me know.
So, I figure I call them up, politely ask if the customer service rep I'm speaking to has the ability to lower payments or interest rates, if they don't, ask to speak to someone who does.
When and if I get switched to that person, I will ask to make sure they have proper contact information for me including email and phone, and I will ask how I can contact them in the future, getting their name and ID if possible.
Then I should be completely honest and explain that I've been their customer for X number of years, never late on payment, and without tears or excuses just explain that I'm facing the inability to pay all my bills.
Ask to have interest rate reduced, possible plan to pay them x number of dollars for 6 months, then back to normal.
I don't know if anyone has ever had any success with this course of action, if you have, I'd love to hear about it. If you haven't, I'd love to hear that also, thanks in advance.

Credit Deals
Neighbor crashed into my tree
Added on : Friday November 15th 2013 06:00:06 PM
g: 0 Posted By: CycloneFW
Views: 145 Replies: 0 Need some advice on how to proceed. Neighbor looked down, coasted towards me and the dog, looked up, panicked, and took out the mailbox, wooden fence, and crashed head on to a tree that snapped/splintered and cracked/splintered two of five major trunks, with lesser damages to a third major trunk (it's one of those where it's not a single trunk making up base of the tree). Neighbor has USAA auto insurance and in North Carolina, property damage is required coverage. Got a police report and will call the insurance company tomorrow.

Having never dealt before with an auto policy to cover damage to something other than another automobile, I do not know how to proceed from there. Any thoughts and advice is greatly appreciated.

BTW, neither myself or the dog are injured (though dog is still shaking a couple hours later) and the driver only has minor injuries.
Personal Finance Deals
Woman Facing $3,500 Credit Report Deficiency For Posting Online Review
Added on : Friday November 15th 2013 04:00:06 PM
g: -1 Posted By: robronson
Views: 242 Replies: 2 A company, who's name I shall not utter for risk of receiving similar treatment, has placed a $3,500 fine against a customer who wrote a negative online review after the company failed to ship her order. This company then placed a $3,500 negative deficiency against her credit report and she's lost credit cards for it. According to the company, they have in their TOS that if you place a negative comment about the company, they can fine you $3,500. This company is now finding out how the internet works. Here's the story from Slash Dot for more specifics:

http://news.slashdot.org/story/13/11/15/1934256/woman-facing-350...
Discussion Deals
Customer 'fined' for negative online review
Added on : Friday November 15th 2013 02:00:06 PM
g: 2 Posted By: UncaMikey
Views: 153 Replies: 3 A woman posted a negative online review of kleargear.com. Three years later she discovers the company has 'fined' her $3,500 and reported the unpaid 'fine' to the credit bureaus, tanking her credit score.

Woman gets $3,500 fine

Posted for entertainment value only. I can't imagine that kleargear's contract language is enforceable; this should be a slam dunk case for the customer, although collecting damages might be difficult.
Discussion Deals
Worst companies in the world
Added on : Thursday November 14th 2013 06:00:06 PM
g: 0 Posted By: stardent
Views: 90 Replies: 1 After today, UPS will be at the top of my list.
Here's what happened. I ordered 10 widgets at a cost of $45 apiece from an online company in the UK. Shipping was $65. Shipping weight was supposed to be 9 kg.
Among the packages delivered today by UPS was a UPS padded envelope weighing about 2 lb that had come from the company in UK. After I opened it I found 1 widget. I checked my emails, looked at the shipping confirmation email and the tracking number checked out. I checked the label for weight and it said 9 kg. The packing list was for 10 widgets.
I sent an email to the UK company. In the meanwhile I had this brilliant idea of asking UPS for the actual weight. After all when the weight of something I shipped was under-reported by 10%, UPS made sure to charge me for the actual weight plus a penalty. So they must weigh the packages, right?
UPS customer service guy listened to me and went away for a bit, came back and told me that he was surprised himself that the company does not care if you over-report the weight. I asked to speak to his supervisor who reiterated what her underling had said. I asked if suppose I had 2 packages to the same address, one at 10 lb and the other at 100 lb and mixed up the labels by mistake what would happen. She rather assertively told me that they take the customers at their word when they over report! In this hypothetical example, they would keep the over payment for the 10 lb package and charge a penalty for the 100 lb package in addition to the actual shipping charge. I couldn't believe my ears! This is corporate thievery at its worst.
I am so livid I want to do something about it. Oh, BTW, if the UK company did intend to screw me, I'll take it up with the CC company.

Discussion Deals
Building credit by adding on to credit cards
Added on : Thursday November 14th 2013 06:00:07 AM
g: 0 Posted By: freeka
Views: 108 Replies: 0 Hello all,

My brother arrived in the US and just got his SSN. I added him as an add-on user to my credit cards. The card companies say that even though the payment history will be reported for him, since he is not liable for payments, it will not build his credit history, Is this true? If I add him as a co=applicant, will it prevent him from getting new card bonuses for those cards in the future?
Credit Deals
List of all accounts registered with FDIC?
Added on : Wednesday November 13th 2013 02:00:09 PM
g: 0 Posted By: joelfreak
Views: 69 Replies: 0 I have heard that there is a way to obtain a listing of all accounts opened under a SS #. Does anyone know how you can pull such a report? This would be someone doing for themselves, to find accounts they forgot about, NOT trying to investigate anyone.
Question Deals
Should I give one week notice or quit on my last day?
Added on : Tuesday November 12th 2013 05:00:10 PM
g: 0 Posted By: jj427usa
Views: 211 Replies: 0 I have been working for a very small company in FL for a couple years. It is my first job. To give you some background, in the last 2 years, half of the people either got fired or left because of the inconsiderate way employees were treated.

About a month ago, on 2 different occasions I reported to the HR that I was verbally harassed by one of my coworker. My new boss had a brief talk with me and asked what I wanted out of situation. However, I dont think anything real was done about it. The third time, when I confronted my coworker, I got written up for starting a fight at workplace and it was suggested to me that I should have bought it to the management attention. It was ludicrous.
Lately, my new boss started to send me email warning about not contacting 3rd party company, Mind you, this was part of my job duty in the last 2 years in order to make sure the data was correct.

I have a new job that will start in Dec(thank goodness). I have put in the request in my current job to use up my saved PTO days; I also plan to take advantage of the day off for Thanksgiving and the day after. In addition, I want to reply back to my boss about her email warnings and send an email to the owner of the company so he is aware of the B.S is going on. I dont ever intend to go back to the company.
My questions are:1) Shouldnt my boss letting me know ahead of time and give me a new job description or something if I am no longer should contact the 3rd party company?
Also, In order to make sure that I get paid for till Nov 29th, Do I
2) Put in the one week notice and sent out the email the day I leave
3) Send in my resignation by email on my last day and leave my key etc at my desk and get out of there
4) What reason I should give for resigning? Being treated unfairly or found a better position?

P. S. According to the employee manual, It is at will employment and employee shall give 2 weeks advance notice. Your input is greatly appreciated!
Personal Finance Deals
Brownells Black Friday email
Added on : Tuesday November 12th 2013 07:00:03 AM
g: 0 Posted By: excx
Views: 4 Replies: 0 Brownells
email for black Friday

Brownells
Guns & Ammo Deals
g: 46 Posted By: MISTERCHEAP
Views: 6552 Replies: 68 http://www.samsung.com/us/register-for-your-galaxy-perks/?CID=AFL-
Apps Deals
g: 4 Posted By: iwtsm
Views: 321 Replies: 4 The price is 20% lower than the last one reported. The deal is on valid for 1 hour onNov 9 from 9:00 AM EST-10:00 AM EST

The Product has 4.5/5 stars. Seems like a really good deal!

Amazon Lightning deals event page:http://www.amazon.com/gp/goldbox/ref=topnav_storetab_gbListing URL:http://www.amazon.com/dp/B009USAJCC/

Batteries & Chargers Deals

Amazon Coupons
Car Loan Credit Inquiries
Added on : Thursday November 07th 2013 09:00:07 AM
g: 0 Posted By: Leaves82
Views: 0 Replies: 0 I just got a new car loan and I got notice from CreditKarma that I was hit with 7 hard credit inquiries onto my credit report. Is it typical to get this many when getting a car - and some of them are posted twice for the same reporting agency? I'm worried about the result it's going to have on my credit. I knew that getting a loan was going to affect my credit...but 7 hard inquiries just seems a little crazy!
1. BMO HARRIS B Bank Nov 5, 2013 Added 2. WILDE TOYOTA Automotive Nov 5, 2013 Added 3. TOYOTA MTR C Finance Nov 5, 2013 Added 4. BMO HARRIS B Bank Nov 5, 2013 Added 5. WFDS/WDS Credit Union Nov 5, 2013 Added 6. JPM CHASE Credit Union Nov 5, 2013 Added 7. LANDMARK CRU Credit Union Nov 5, 2013 Added
Free Kindle Book - 11-5-2013 BANK Stocks Buy-Sell-Hold Ratings (was $19.99)
Added on : Thursday November 07th 2013 06:00:09 AM
g: 2 Posted By: remick
Views: 246 Replies: 1 http://www.amazon.com/11-5-2013-Stocks-Buy-Sell-Hold-Ratings-iPhone-ebook/dp/B00GH5JO7M

November 6, 2013. 957 BANK largest stocks have 19% chance to go up substantially in price in the very near future. iPhone App Buy-Sell-Hold+ Stocks detected 178 stocks to BUY out of which 24 stocks received SUPER BUY rating. At this time iPhone App Buy-Sell-Hold+ predicts a BUY for NASDAQ index. You could always buy SUPER BUY stocks from the list below.

Eric Katsov and Alexander Voloshko are software engineers, researchers and creators of iPhone App Buy-Sell-Hold+ Stocks available for FREE download from iTunes store for iPhone & iPad & iPad Mini. Both authors publish daily reports about iPhone App Buy-Sell-Hold+ Stocks with recommendations for 4,030 stocks and ETFs traded on NYSE and NASDAQ. Also, some of this information is published on the project web site called: www.StockRing.com and project blog: www.MyStocks.org .

Stocks in this list

The report covers 957 BANK stocks and ETFs: AAT AB ABCB ABR ACAS ACC ACE ACG ACGL ACRE ADC ADX AEC AEL AF AFB AFG AFL AFSI AGII AGM AGNC AGO AHH AHL AHT AI AIG AINV AIV AIZ AJG AKR ALEX ALL ALX AMG AMNB AMP AMRB AMRE AMSF AMT AMTD AMTG ANAT ANH AON APO APSA AQQ ARCP ARE ARI ARL AROW ARPI ASA ASBC ASI ASPS ATAX ATLC AV AVB AVIV AWF AWH AXP AXR AXS BAC BAM BANF BANR BAP BBCN BBD BBDO BBF BBK BBNK BBT BBVA BBX BCA BCH BCS BCV BDGE BDN BEE BEN BFIN BFK BFO BFR BFS BFZ BGCP BGR BGY BHB BHD BHK BHLB BHV BHY BIE BJZ BK BKCC BKJ BKK BKMU BKN BKT BKU BKYF BLE BLH BLJ BLK BLW BLX BMA BME BMO BMR BMTC BNA BNCL BNJ BNS BNY BOE BofI BOH BOKF BOXC BPFH BPK BPO BPOP BPS BQH BQY BRE BRK- BRKL BRO BRP BRT BSAC BSBR BSD BSMX BSRR BTA BUSE BX BXMT BXP BXS BZM C CAC CACC CATY CB CBF CBG CBL CBNJ CBOE CBSH CBU CCBG CCG CCNE CDR CEF CET CFFI CFFN CFNL CFR CG CHCO CHFC CHSP CIA CIB CIK CIM INF CISG CIT CKX CLDT CLGX CLI CLMS CLNY CLP CM CMA CME CMO CMU CNA CNBC CNBKA CNO CNS COBZ COF COLB COR COWN CPF CPT CRVL CS CSBK CSE CSFL CSFS CSG CSGP CSH CSWC CTBI CTC CTO CUBE CUBI CUZ CVBF CWH CXH CYN CYS DB DCOM DCT DDF DDR DEI DFS DFT DGICB DHIL DLLR DLR DMLP DNP DNY DOM DRE DRH DRL DSM DSU DTF DUC DX EBSB EBTC ECF ECPG EDR EFC EFR EFSC EFT EFX EGF EGP EHI EHTH EIA EIG EIHI EJ ELS EMCI EMF ENH EOS EPR EQR EQS EQY ERIE ESBF ESGR ESS ESSA ETFC ETV ETW ETY EV EVBN EVBS EVER EVF EVG EVR EVV EWBC EXL EXR FAC FAF FBC FBMI FBNC FBNK FBP FBRC FCBC FCF FCFS FCH FCNCA FDEF FDI FFBC FFG FFIC FFIN FFKT FFNW FHN FIBK FIG FII FISI FITB FMBI FMD FMER FNB FNF FNFG FNGN FNLC FOR FPO FR FRC FRF FRME FRNK FRT FSBK FSP FTF FUBC FULT FUNC FUND FUR FWV FXCB FXCM GAB GABC GAM GBCI GBL GBLI GBNK GCA GCAP GCV GDF GDV GFIG GFY GGP GHL GIM GLAD GLCH GLRE GLU GNW GOOD GOV GPT GRT GS GSBC GTS GTY GUT GZT HAFC HAWK HBAN HBCP HBHC HCBK HCC HCI HCN HCP HDB HF HFWA HHC HIG HIS HIW HLSS HME HMG HMN HMPR HMST HOMB HOME HPF HPP HPT HQL HR HRZN HST HT HTA HTBI HTBK HTD HTGC HTH HTLF HTS HVB HWBK HYF HYT HYV IBCA IBCP IBKC IBKR IBN IBOC ICB ICE ICH IFMI IFT IGD IHC IHT IMH INDB INN INTL IOT IPCC IRC IRE IRET IRS ISBC ITG ITUB IVR IVZ IX JDD JHI JHS JLL JMI JMP JNS JOE JOF JPM JRS JSN JTA JTD JTP KB KCAP KCG KEY KF KFN KFS KIM KKR KMPR KRC KRG KRNY KW L LAQ LAZ LBAI LDF LFC LGI LHO LION LKFN LM LNC LND LPHI LPLA LRY LSE LTC LTS LXP LYG MA MAA MAC MAIN MAV MBFI MBI MBTF MBVT MBWM MCBC MCBI MCC MCGC MCY MEN MET METR MFA MFC MFD MFG MFM MGI MHD MHLD MIG MITT MKL MKTX MLP MMC MN MNR MOFG MPG MPW MQT MQY MRH MRLN MS MSB MSD MSF MSFG MSL MTB MTG MTGE MTR MTS MTU MUA
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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: 7 Posted By: remick
Views: 789 Replies: 2 http://www.amazon.com/dp/B00DMITAR6/

For the first time a Naturopathic Doctor opens his vault to unveil the complete list of home remedies used by professionals Holistic Practitioners...
All Natural Cures and Home Remedies
That Will Give You RELIEF From Your Symptoms NOW Proven In Clinical Trials!
Don't go anywhere, because this could be the most important information about your health you'll ever read!"
After researching 1,000's of natural cures and home remedies, spending months sifting through hundreds of reports and studies, and putting my findings to the test on real people in my natural healing clinic...
I can say that the majority of natural "cures" are completely bogus.
But the ones that are effective seem to work like magic! And many of them can give you almost instant relief from your symptoms. Now, you can get access to my vault of natural cures and home remedies that you can find in your own kitchen cupboard - backed by thousands of hours of scientific research...

Example 1: Did you know that if every woman in the United States would get just one nutrient every day breast cancer rates would drop 50 Percent?

Example 2: Did you know that you can make a natural laxative that works many times better for constipation than any over the counter laxatives? Just eat four prunes twice a day and you will have the most effective and gentlest home remedy for constipation.

Example 3: Did you know that 6 cherries have the same effect as 1 aspirin? Plus cherries are filled with antioxidants!

Beat Diabetes... Drop High Blood Pressure... Prevent Cancer... And Soothe Aching Joints Without Expensive And Dangerous Drugs using one of the home remedies here.


Also free:

Back Pain Cure - How To Treat Back Pain, How To Prevent Back Pain, All Natural Remedies For Back Pain, Medical Cures For Back Pain, And Back Exercises ... relief, back pain exercises, back pain free) [Kindle Edition]
http://www.amazon.com/Back-Pain-Cure-Exercises-ebook/dp/B00G62W2KC

Eyesight And Vision Cure - How To Prevent Eyesight Problems, How To Improve Your Eyesight, All Natural Foods For Better Vision, And How To Treat Bad Eyesight ... Best Diet and foods to improve Bad Eyesight) [Kindle Edition]
http://www.amazon.com/Eyesight-Vision-Cure-Prevent-Problems-ebook/dp/B00G9QZUC2

Everyday Natural Cleaning Solutions: Innovative Green Cleaning Recipes And Tips For Your Home [Kindle Edition]
http://www.amazon.com/Everyday-Natural-Cleaning-Solutions-ebook/...

The Truth About Apple Cider Vinegar - Weightloss, Detox, Health & Allergies [Kindle Edition]
http://www.amazon.com/dp/B00FI8ELK4

The Aromatherapy & Essential Oils Handbook [Kindle Edition]
http://www.amazon.com/Aromatherapy-Essential-Oils-Handbook-ebook/dp/B00BECCJXY

The Coconut Oil Handbook: How to Lose Weight, Improve Cholesterol, Alleviate Allergies, Renew Your Skin, and Get Healthier with Coconut Oil [Kindle Edition]
http://www.amazon.com/The-Coconut-Oil-Handbook-ebook/dp/B00CLUUGDS

Juicing Secrets For Health, Weight Loss And Unstoppable Energy (Omega Juicer, Juicers, Detox, Cleanse) [Kindle Edition]
http://www.amazon.com/Juicing-Secrets-Unstoppable-Mastery-ebook/dp/B00CIDRQ7W

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Books Deals

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Free stuff from the Argie's Kids Club (West Florida Argonauts)
Added on : Wednesday November 06th 2013 07:00:10 AM
g: 0 Posted By: remick
Views: 128 Replies: 0 http://www.goargos.com/page.asp?articleID=4866

Ages 3 - 13

Welcome Packet
- Each Kids Club member will receive a Welcome Packet filled with gifts from sponsors and UWF Athletics

T-Shirt
- Every Kids Club Member will get a free Kids Club T-Shirt

Free Admission to Every UWF Athletic Event
- Exception is postseason play

Argie's A Rewards
- Kids Club Members who earn an A in at least one class can bring in their report card for a FREE prize

Kids Club Zone
- Inflatable Bouncer
- Interactive Games

Season Sports Clinic (Held at UWF)
- 1 Fall
- 1 Winter
- 1 Spring

Birthday Card
- Every kids club member will receive a birthday card from Argie
- Certificate

Kids Club Member of the Month
- Once a month, a Kids Club member will get to be Bat or Ball Boy/Girl at a UWF Baseball, Softball, Basketball, Volleyball, or Soccer game
- They will also receive a free gift for being selected Argies Kids Club Member of the Month

Argies R&R at Members School
- Once a month we will select one members school and host an Argies R&R event in their classroom

Seasonal Newsletter
- Know your Argo: A feature story about a UWF student-athlete
- Games/Coloring
- Schedule Card
Totally Free Deals
Free Kindle Book- The Homemade Medicine Book (was $17.55)
Added on : Wednesday November 06th 2013 06:00:09 AM
g: 1 Posted By: remick
Views: 123 Replies: 0 http://www.amazon.com/dp/B00DMITAR6/

For the first time a Naturopathic Doctor opens his vault to unveil the complete list of home remedies used by professionals Holistic Practitioners...
All Natural Cures and Home Remedies
That Will Give You RELIEF From Your Symptoms NOW Proven In Clinical Trials!
Don't go anywhere, because this could be the most important information about your health you'll ever read!"
After researching 1,000's of natural cures and home remedies, spending months sifting through hundreds of reports and studies, and putting my findings to the test on real people in my natural healing clinic...
I can say that the majority of natural "cures" are completely bogus.
But the ones that are effective seem to work like magic! And many of them can give you almost instant relief from your symptoms. Now, you can get access to my vault of natural cures and home remedies that you can find in your own kitchen cupboard - backed by thousands of hours of scientific research...

Example 1: Did you know that if every woman in the United States would get just one nutrient every day breast cancer rates would drop 50 Percent?

Example 2: Did you know that you can make a natural laxative that works many times better for constipation than any over the counter laxatives? Just eat four prunes twice a day and you will have the most effective and gentlest home remedy for constipation.

Example 3: Did you know that 6 cherries have the same effect as 1 aspirin? Plus cherries are filled with antioxidants!

Beat Diabetes... Drop High Blood Pressure... Prevent Cancer... And Soothe Aching Joints Without Expensive And Dangerous Drugs using one of the home remedies here.
Books Deals

Amazon Coupons
Veterans: Free Use of Social Security Solutions Nov 11th
Added on : Wednesday November 06th 2013 04:00:11 AM
g: 0 Posted By: turtlebug
Views: 166 Replies: 0 Link
This Veterans Day, Kiplinger Washington Editors (which publishes Kiplingers Personal Finance magazine), Social Security Solutions and Wells Fargo are partnering to offer one-day free access to an online retirement planning tool for all active-duty and retired military members and their widows. With this report, military families will get recommended strategies for claiming Social Security and explanations about how the choices affect what theyll get.

This Veterans Day, Kiplinger's Social Security Solutions will offer its powerful online tool free to all veterans. The highly regarded tool will create a personalized report showing how when you claim Social Security benefits will affect how much you (and your spouse, if married) will receive each month. The tool will suggest a claiming strategy to maximize your benefits that could add $100,000 or more to your lifetime income.
Totally Free Deals
1 Year subscription of Consumer Reports Magazine for $18.75@discountpress
Added on : Tuesday November 05th 2013 12:00:06 PM
g: 0 Posted By: adnay
Views: 133 Replies: 0 1 Year subscription of Consumer Reports Magazine for $18.75
DiscountPress.com is offering Consumer Reports Magazine 1 year subscription for $18.75.
Magazines Deals
Not an easy churn, but free money from Target
Added on : Monday November 04th 2013 07:00:07 AM
g: 0 Posted By: Al3xK
Views: 93 Replies: 3 Used iPad 1's sell on CList/eBay from $60-160. Target has a trade-in deal for minimum of $200 towards a new iPad or as some are reporting, in gift card format. Buy iPad 1, take to target, repeat.

Deal:
http://www.fullofdeals.com/forums/hot-deals/1310553/

Completed iPad 1 listings.
http://www.ebay.com/sch/iPads-Tablets-eBook-Readers-/171485/i.html?_from=R40&LH_Complete=1&_nkw=ipad+1
Discussion Deals
HSBC Bank "Periodic Review" account closures
Added on : Monday November 04th 2013 04:00:05 AM
g: 1 Posted By: notsogeeky
Views: 30 Replies: 0 I see there is another thread in fatwallet titled "HSBC Closed my account" and I couldn't post to that. So, here is what happened to me and I am sure this would be helpful for anyone who is trying to open an account with HSBC.

My suggestion:
1. DON'T OPEN AN ACCOUNT WITH HSBC if you are going to be using it for big transactions etc.
2. THEIR DREADED "PERIODIC REVIEW" will close your accounts WITHOUT ANY EXPLANATION and you'd be wondering what happened to your money.
3. FROM THAT TIME ONWARD, THE CUSTOMER SERVICE WOULD JUST STATE THAT "Based on 'RULES OF DEPOSIT' your account has been closed.". Here is the link for their RULES OF DEPOSIT and it doesn't mention anything about a periodic review and how they can close the account.http://www.us.hsbc.com/1/PA_1_083Q9FJ08A002FBP5S00000000/content...
4. THE "RULES OF DEPOSIT" CAN BE EXECUTED ON YOUR ACCOUNTS ANYTIME AND IT IS PURELYDISCRIMINATORY.

Here is what happened to me:
1. 3 of my accounts were closed without any prior notice or time to even react one fine morning --> No explanations given and I couldn't even see what I did wrong or even the number of transactions I had. A VERY RUDE AND BLUNT WAY OF KICKING YOU OUT.
2. I hardly do 4-5 transactions in my checking out, and I surely didn't move more than 10K in and out of my account like other's have indicated here.
3. The customer service was rude and kept repeating based on "Rules of Deposit" and they don't have to give any explanation.

But, I wanted explanation. So, I did this -
1. Filed a Better Business Bureau complaint asking for explanation and Interest for the days my money is out of their account.
2. Sent an open letter to their Bank Holdings Division CEO
3. Copied it to their EXECUTIVE OFFICE in buffalo.
4. Based on their response, I will start a legal battle asking for details on their so called review process.

If this is something to do with "PATRIOTIC ACT" or some bullshit, they have to give me explanation. Even FEDs ask to report any transaction only over 10K and they don't suggest to close the account. Not all customers are money laundering or using it for illegal activities. This is taking it to the new level or discrimination.

So, keep all this in mind if you consider opening an account with HSBC and going through the hassle of being thrown out years after.





General Economics Deals
Getting paid "off the books" dilemma (I don't want to be)!
Added on : Sunday November 03rd 2013 05:00:10 AM
g: 0 Posted By: MisterEd
Views: 1 Replies: 0 I am retired and am working part time basically just to keep busy. I am also collecting social security but, due to my age, I can earn as much as I want without it reducing my SS so that isnt an issue for me. I came across a job last Jan at a local business (a national franchise whose owner has just 1 store) where I can and do literally walk to work. The hours are good, the job is relatively easy and I enjoy working there.The dilemma is this. The owner refuses to pay me properly. He only wants to pay me under the counter and by check. I have been fighting him with this over the 10 months I have been working there. I WANT TO show this income and be paid properly. I have wrangled about 5 months on the books payments out of him but his other 2 employees (kids in their 20s) have never been paid properly and dont care (not my problem). Going forward in 2014 he refuses to pay me properly.I dont want to quit. Its just too convenient. My question is: Am ** I** protected from IRS issues if I simply report all the income (he pays me by check!!!) in January as misc income? I dont care what happens to him for improper payroll procedures, just me. I do have a federal EIN number from a part time business I had and I could even report it as income for that business. I dont really make enough there to even have to report estimated taxes but I do anyway.My concern is the legal (IRS, STATE) issues I may create FOR MYSELF working there. Am I safe if I simply report everything I get paid from him? Since the dummy pays me by check (that is his cash) if he gets audited HES screwed. I just don't want to give up the convenience of this.
g: 0 Posted By: mictester
Views: 213 Replies: 1 Searched for "Brightspot" and "Bright Spot" but no results. Hope this is not a report.

Target is offering cellular service through T-Mobile. Plans start at $35 for UL Talk & Text and $50 for UL Talk, Text, and Web (1GB at 4G).

http://www.target.com/c/brightspot-mobile-dvm/-/N-55f6b

https://brightspotmobile.com

There is also a $25 Target GC every six months. Activation SIM kits are $9.99. Not sure if Red discount applies on the specially branded prepaid cards available in stores.
Services Deals
Halloween Masquerade Mask For $7.53 + Free S/H
Added on : Thursday October 31st 2013 07:00:04 AM
g: 0 Posted By: magni
Views: 103 Replies: 0 I know it's Halloween today and this would arrive after the fun is over, but here at FW, I believe (hopefully everyone would agrees with me) that if it's a great deal, why not "Go For It!" and save it for the next Halloween or just for scaring the bejesus out of someone any day!

Came across this one and thought of sharing...it's seems to be a good price.
It's a Halloween Masquerade Mask.

Here's the Link

I know the store seems to be new, here is a link to report from ScanVoid
You all can decide on it's Web Worthiness, I believe it based out of China.
Hope this helps!

Happy Halloween Everyone!
LG - 30" Stainless Electric Convection Range - $650 from $999 - LRE3023ST
Added on : Thursday October 31st 2013 05:00:03 AM
g: 0 Posted By: supadupamikey
Views: 66 Replies: 0 http://www.bestbuy.com/site/30-self-cleaning-freestanding-electric-convection-range/4844776.p?id=1218548288013&skuId=4844776&st=LRE3023ST&cp=1&lp=1

Been looking for a range for the past few months and this is by far the best deal. Wanted LG, stainless, and convection specifically. This is the older model that's being discontinued and thus the cheaper price; the newer model is the LRE3083ST. The older model says "fan convection", the newer model says "true convection." The fan system looks identical, just a new name it seems. The other feature the newer model has is EasyClean which supposedly you put a pot of water inside, turn on the clean cycle and then just wipe off the grime. Both ranges have the normal "self-clean" cycles common on all ranges. All other controls, displays, colors, features, burners, racks, etc, etc are identical. Both retail at $999, this one is $650 currently and the newer model is on sale for $899 currently.

Consumer Reports rated this older model the LRE3023S as 3rd in their list with a high score of 86 (87 being the highest). Reviews are pretty much solid 5 stars at BBY and LG's webpage. Doesn't appear on HD/Lowes/Sears pages so they either don't sell it or its been discontinued already.

Looks like a solid deal to me and I ordered. Kinda surprised I stumbled across it on BBY's page and didn't find it here or elsewhere...
Appliance Deals

Best Buy Coupons
g: 1 Posted By: Bluefw
Views: 89 Replies: 0 The 12-pack Clif Bar boxes are usually $11.79 but are currently priced the same as the 6-pack at $5.89. A $5 gift card offer is available when you buy three boxes. At my local store, the tags on the shelf showed $11.79, but scanning them showed the $5.89 price. This pricing mistake is being reported at multiple stores.

The 18-pack of minibars is included in the GC offer, but is at regular price.
Snacks Deals
g: 0 Posted By: dougchicago
Views: 129 Replies: 1 I'd appreciate any/all insurance advise with this case. When first hearing about their"non-cooperation" position from the AAA Insurance claim agent, I couldn't believe it. After research I learned it is a way for insurance companies to weasel out of paying a claim.Here's the case information:
Hello Janet,
I'm attaching the police report, accident pictures and accident repair invoices.
Background: On 5/11/13 my daughter, XXXX XXXX, was in an accident on the Stevenson Expressway (I-55) in the Chicago suburbs. Debris came off of a rental truck causing my daughter to brake as hard as possible and skid into the ditch. One of the cars witnessing the accident sped up and wrote down the trucks identification and license plate. They drove back to my daughters accident scene when an Illinois State Police officer was aiding my daughter. The officer noted this information on the attached police report.
Harry, the owner of the truck rental operation,XXXX Rental thought his insurance company, ARA would handle my claim. =10ptHe submitted the claim through ARA and I was contacted by ARA division, North America Risk Services representativeXXXX XXXXXX(800.XXX.XXXX) that the claim (#RNXXXXX) was the responsibility of the truck renter.Harry provided me the truck renter information.
Name: Benedykt Gorzko
Policy Name: AAA - Select Insurance Company
Policy #: AUT00XXXXX
Policy Dates: 12/19/12 - 6/19/13
The accident caused $1,423.68 in damages to my daughters car. This is the full amount of my claim. Here's some further detail related to the attached invoices...

Initially Janet the AAA claims agentsaid because the policy was liability only they couldn't pay. I then went back to the truck rentals company, ARA and theysaid Janet was giving me BS and even with "just liability" they were responsible for the claim. I then called Janet back and told her what ARA said and she finally admitted yes, they are responsible. Now aftermany months she's denying the claim because of non-cooperation from Mr. Gorzko.

I'm thinking my options are: A:lick mywounds andgo on/ forget it (it's not a financial burden) or B: call others at AAA and compain/fight or C: go back to ARA to see what they can do or D:try to smear AAA Insurance publically. "D" in fact might offer me the most satisfaction. The Chicago Tribune posts a column called "What's Your Problem"that's many times on the front page.

I'd appreciate your thoughts on my next step(s) and I'd also like to hear comments on this non-cooperation clause in the insurance policy. It just seems so unfair. Thanks!
Personal Finance Deals
Told Fannie Mae accepted my offer then they sold it back to servicer
Added on : Tuesday October 29th 2013 03:00:18 PM
g: 0 Posted By: frustratedinvestor
Views: 138 Replies: 2 Okay, I went out of the country for five days. I had an email from my agent saying my offer was 100% accepted by Fannie Mae and that NOONE could break the contract but me because I had 10 days from date of receipt of official contract to inspect property/revoke offer. He insisted we didn't have to use the contract and revise the numbers that they emailed over my terms and we got back an email saying the seller revised only the closing date, awesome I emailed back ACCEPTED and waited for a contract. Then I went to Mexico for a wedding. I was told that a) the mortgage insurer rejected my offer which was 97% of asking price, and I have excellent credit, a pre-approval letter, what gives? Is this legal? Should I take it to the board of realtors? This is my first foreclosure property so I"ve never ever heard of such a thing. Please advise if I should report my agent/broker or if this is typical and there are just too many hands in the pie at FANNIE MAE???? I was told after mortgage insurer rejected my offer that they sold it back to the servicer, what????? Was my realtor just baiting me, or is this a legit situation?

Thanks
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 115 Replies: 0 CVS Mens or Womens 5 blade razor $7.99 = $5 Ecb (limit 1)
Use $3/1 CVS Razor coupon found http://print.coupons.com/Couponweb/Offers.aspx?pid=14415&nid=10&zid=oj97
Pay $4.99
Get back a $5 Ecb (limit 1)
Final cost FREE!

reports that the Mens 5 blade razors may be just $6.99, so better than FREE after the coupon!

thnx collin/h2s
Health & Beauty Deals
question regarding collection status on credit report
Added on : Monday October 28th 2013 05:00:09 PM
g: 0 Posted By: dfwrealtor
Views: 82 Replies: 0 i have a friend that has a collection status on her credit report. She did not know about this until the a credit report was pulled. The collection was from an apartment she and her husband rented about 2 years ago....the apartment never notified them about any outstanding debt.
should she contact the collection agency to settle this collection or should she file a debt validation letter to them? or should she dispute this collection with the credit reporting agency?

Personal Finance Deals
Concealed Carry Academy Online Course (70% off) + Freebies $29
Added on : Monday October 28th 2013 04:00:09 PM
g: 3 Posted By: tedhawkins
Views: 280 Replies: 1 Concealed Carry Academy Online Course (70% off) + Freebies $29

http://www.gearhog.com/

Deal Overview
The online course fulfills the training requirements for Virginia. This permit allows you to carry concealed in dozens of states.

Currently, Virginia has reciprocity with Alaska, Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, and Wyoming. But remember, reciprocity can change so make sure and double-check that your state honors Virginia's permit.

ConcealedCarryAcademy.com

This course consists of a training video that is less than 90 minutes long, and is followed by a simple 20-question quiz. Although 99% of people pass the quiz on their first try, those who don't, get to take the quiz again for free.

Once the video and quiz are completed, you'll be emailed your training certificate for Virginia.

Included with the course:
* Free copy of my book, The Covert Guide to Concealed Carry: Confessions of a Former CIA Officer
* Free 108-Point Home Security Checklist:
* Free Defensive Pistol targets to help you become a better shooter
* Special Report: 30-Day Urban Survival Guide: What you need to know to be self-sufficient for 30 days.
* Special Report: Simple Home Defense Secrets That Could Save Your Life.
* Special Report: 7 Ways to Keep Your Family Safer This Year
* Free Expert Witness Voucher, where I will be an expert witness in your case for free if you ever have to use a gun to defend yourself.
Services Deals
g: 0 Posted By: JamesTKirk
Views: 202 Replies: 0 Use promo code RAK15. Promo codes are entered at the end of the checkout process (last page).

Rakuten points can then be used as cash on a future purchase.

Good till 11:59PM PDT OCT 28.

NOTE : They claim to report to the IRS your earnings if you reach $600 or 60,000 points.

NOTE : Maximum per customer/household. ($150) <------IMPORTANT
Computers Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Looking for ideas on using credit limits for fun (and profit)?
Added on : Sunday October 27th 2013 05:00:09 PM
g: 0 Posted By: mrand
Views: 169 Replies: 0 In the pursuit of miles and points, the wife-unit and I each have 4 credit cards that we've met the minimum spend on (on top of a few other credit cards that I hold to maintain some old credit line on our credit reports). Sum total we probably have 10 or so credit cards, each with a credit limit in the $15k to $20k range. After meeting the most recent minimum spend, I got to wondering what other reasonable risk things we could do other than just cancelling the cards and going on to the next set of offers. I'm aware of microloans, but from what I gather, the return isn't that great, although obviously I could use that to generate more mile/point activity. If the scheme involved the need for cash (or paying off a number of the credit cards), I could manage that as well. I've thought about buying expensive items (on credit card) and then turning around and reselling them for a profit, but don't have the space to be dealing cars. Considered jewels, but I don't have any first hand experience in that area, nor the time right now to become knowledgeable enough.

Anyone doing anything else along these lines? Thanks for any ideas!
Credit Deals
Onkyo TX-NR717 rcvr %50 off 498.91 shipped
Added on : Sunday October 27th 2013 02:00:09 PM
g: 0 Posted By: excx
Views: 135 Replies: 0 LINK

Amazon.com has the Onkyo TX-NR717 advertised for 50% off.
ships from Amazon, no code
good reviews
limited time offer? Amazon seems to be following Newegg pricing currently $494 (previously reported deal here at FW)
newegg link
Home Theater & Audio Deals

Amazon Coupons
Holmes HFH436 Heater $31.49+FS (Prime Eligible)
Added on : Sunday October 27th 2013 10:00:06 AM
g: 0 Posted By: booklover
Views: 236 Replies: 0 Link

Consumer Reports Best Buy and lowest price per camel.
Appliance Deals

Amazon Coupons
FIA reporting credit limit on Signature card?
Added on : Saturday October 26th 2013 06:00:10 AM
g: 0 Posted By: Aerofreaky
Views: 15 Replies: 0 I know there has been much discussion on this topic in the past. http://www.fullofdeals.com/forums/finance/957401/

Basically, it is one of those "no official limit" cards. So, they weren't reporting to the credit reporting agencies. As a result, you didn't get to count the credit limit towards your total credit available. This increased your credit utilization ratio, which directly reduces your credit score.

In the past, the way around this was to charge a ridiculous charge to your card and let it post and then pay it off. Not always easy to pull off. But, it would be recorded as your high limit.

I was reviewing the changes to my Credit Karma profile and realized that it has a new alert. Prior, FIA limit $0, now New Limit $ XX,000

Is anyone else seeing this? Also, even though my credit available increased, there is no increase on my scores--all 3 fako's.


Credit Deals
AAMC MCAT Self Assessment Sale - 10% off
Added on : Friday October 25th 2013 04:00:02 PM
g: 0 Posted By: Gauss44
Views: 70 Replies: 0 This is the first time I've seen an AAMC sale. Right in time for Halloween!

http://offers.aamc.org/mcat-self-assessment?Save 10% today with code: SAPOCT13An online product composed of all three self-assessments. Students will answer questions on the different multiple-choice sections of the MCAT exam and receive feedback on their performance identifying their strengths and weaknesses in MCAT content. All questions are from previous MCAT exams and not seen on any of the current practice tests.Includes:

Physical Sciences Self-Assessment: 213 questions
Biological Sciences Self-Assessment: 208 questions
Verbal Reasoning Self-Assessment: 120 questions
A confidence survey to compare your self-reported confidence to actual performance
A detailed analytic summary to identify your strengths and weaknesses in MCAT content comparing your performance to the average examineesperformance

Services Deals
AMEX Offer: $20 back on $100 spend at HP home thru 11/22/13
Added on : Friday October 25th 2013 05:00:06 AM
g: 0 Posted By: zgenerale
Views: 187 Replies: 0 AMEX Offer: sign into your AMEX online account and select. Possibly on FB or Twitter as other AMEX offers have that.

Great if HP has their own 20% coupon and Gift Card offers:
...........SAVEHP20 (exp 11/2) lowers your $100+ purchase by $20. (AMEX Offer requires net purchase to be >= $100.)

Some FW'er report that calling AMEX can havethe offer added to their account.

Get a one-time $20 statement credit by using your enrolled Card to make a single qualifying purchase of $100 or more online at www.shopping.hp.com by 11/22/13

Qualifying spend based on single transaction.Valid online only at www.shopping.hp.com. Offer is only valid on their Home & Home Office online store. Enrollment for the offer is limited. Limit 1 statement credit per American Express Card across all American Express offer channels. Statement credit will appear on your billing statement within 8 weeks after American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from the merchant until all of the items from your qualifying purchase have been provided or shipped by the merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you will not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. POID: ATDN:0001
Computers Deals

American Express Consumer Coupons
g: 1 Posted By: VivYip
Views: 639 Replies: 0 This is going to be a sorta experimental thread for 10/25

coupon codes expire 10/31/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$149.99 after 20 MIR card (exp 10/31/13) ASUS VN248H-P Super Narrow Bezel Black 23.8" 5ms (GTG) HDMI Widescreen LED Backlight LCD Monitor IPS 80,000,000:1 Built-in Speakers
$149.99 Polk Audio Monitor70 Series II Floorstanding Loudspeaker (Black) Each
$129.99 Polk Audio Monitor40 Series II Two-Way Bookshelf Loudspeaker (Black) Pair
$169.99 after coupon code EMCWXVR94 CineRAID CR-H458 Hardware RAID 0, 1, 10, 3 and RAID 5, support 4 x 3.5" Hot Swappable Drive Bays USB 3.0 eSATA RAID SubSystem (+probox card)
$29.95 after coupon code EMCWXVR225 Polk Audio UltraFit 3000 In-Ear Canal Sports Headphones with iPod/iPhone Control and Mic (White/Orange)

(credit techbargains)
$249.99 after coupon code EMCWXVR57 Hanns-G HT231HPBU Black 23" Touchscreen Monitor Multi-Touch (10 points) 250 cd/m2 80000000:1 Built-in Speakers
$99.39 after coupon code EMCWXVR42 and$15 MIR card(exp 10/31/13) ASUS HD7770-2GD5 Radeon HD 7770 GHz Edition 2GB 128-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card
$159.99 after $20 MIR(exp 10/31/13) SAPPHIRE 100354OC-2L Radeon HD 7870 GHz Edition 2GB 256-bit GDDR5 PCI Express 3.0 x16 CrossFireX Support Video Card (+2 games)

storage
$69.99 after coupon code EMCWXVR62 TOSHIBA Canvio 3.0 Plus 1.5TB USB 3.0 Black Portable Hard Drive HDTC615XK3B1
$49.99 after coupon code EMCWXVR25 Seagate Barracuda ST500DM002 500GB 7200 RPM 16MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$149.99 after coupon code EMCWXVR59 Seagate Backup Plus 4TB USB 3.0 Black Desktop Hard Drive STCA4000100
$209.99 SAMSUNG 840 Pro Series MZ-7PD256BW 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD)
$64.99 after coupon code EMCWXVR22 Western Digital Red NAS Hard Drive WD10EFRX 1TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive
$69.99 after coupon code EMCWXVR63 Western Digital Elements 1TB USB 3.0 Black External Hard Drive WDBUZG0010BBK-NESN
$159.99 after coupon code EMCWXVR26 WD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drive
$379.99 Corsair Force Series GS CSSD-F480GBGS-BK 2.5" 480GB SATA III Internal Solid State Drive (SSD)
$89.99 Plextor M5P Series PX-128M5Pro 2.5" 128GB SATA III MLC Internal Solid State Drive (SSD)
$179.99 Seagate 600 Series ST240HM000 2.5" 240GB SATA III MLC Internal Solid State Drive (SSD)

cooling unit(?)
$14.99 after $5 MIR(exp 10/31/13) Cooler Master Hyper TX3 - CPU Cooler with 3 Direct Contact Heatpipes
$59.99 after $25 MIR (exp 10/31/13) Thermaltake CLW0217 Water 2.0 Extreme/All-In-One Liquid Cooling System

network(?)
$148.99 after coupon code EMCWXVR56 ASUS RT-N66U Dual-Band Wireless-N900 Gigabit Router, DD-WRT Open Source support, IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab
$124.99 after coupon code EMCWXVR69 D-Link DGS-1024D Unmanaged 10/100/1000Mbps Rackmountable Switch 24-Port Green Technology
$39.99 after coupon code EMCWXVR75 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort

computer case
$19.99 after coupon code EMCWXVR49 and $10 MIR(exp 10/31/13) RAIDMAX Tornado ATX-238WU Black/Blue SECC Steel ATX Mid Tower Computer Case
$69.99 after coupon code EMCWXVR53 and $20 MIR card(exp 11/8/13) Antec Nine Hundred Black Steel ATX Mid Tower Computer Case with Upgraded USB 3.0
$79.99 after coupon code EMCWXVR52 and $20 MIR (exp 10/31/13) NZXT Phantom PHAN-001BK Black Steel / Plastic Enthusiast ATX Full Tower Computer Case


power supply
$39.99 after couponc ode EMCWXVR48 and $20 MIR card (exp 10/31/13) Thermaltake TR2 TR-700 700W ATX 12V V2.3 & EPS 12V SLI Ready CrossFire Ready Active PFC Power Supply
$49.99 after coupon code EMCWXVR46 and $20 MIR (exp 10/31/13) CORSAIR CXM series CX600M 600W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$49.99 after coupon code EMCWXVR47 and $10 MIR card(exp 10/31/13) Rosewill HIVE Series HIVE-650 650W Continuous @40C, 80 PLUS BRONZE Certified, Modular Design, Single +12V Rail, ATX12V v2.31/EPS12V v2.92, SLI Ready, CrossFire Ready, Active-PFC Power Supply

small stuff
$4.99 Rosewill RPS-100 6 Outlets Power Strip 125V Input Voltage 1875W Maximum Power 3 Feet Cord Length
$6.99 after $5 MIR (exp 10/31/13) ADATA Classic Series C008 16GB Retractable USB 2.0 Flash Drive Model AC008-16G-RKD
$14.99 after coupon code EMCWXVR24 LG 24X DVD Burner - Bare Drive 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model GH24NS95 - OEM
$8.99 Rosewill 4.7GB 16X DVD+R 50 Packs Spindle Disc Model RCDM-10005 - OEM
$18.99 after coupon code EMCWXVR45 memorex 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 05641(0.99s/h)
$10.99 after coupon code EMCWXVR44 memorex 25GB 6X BD-R 15 Packs Spindle Blu-ray Recordable Media Model 98683
$7.99 after $10 MIR card(exp 10/31/13) SYBA SY-PEX40039 PCI-Express 2.0 SATA III (6.0Gb/s) Controller Card
$21.99 after coupon code EMCWXVR64 Logitech Wireless Mouse M310 (910-001675) Silver 3 Buttons 1 x Wheel USB RF Wireless Laser Mouse
$19.99 after coupon code EMCWXVR68 Rosewill RNWA-PoE-1000 PoE Injector
$10.99 after coupon code EMCWXVR72 Rosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1X
$24.99 after coupon code EMCWXVR73 Edimax EW-7438RPn 300Mbps Wireless 802.11/b/g/n Universal Wi-Fi Range Extender with iQ-Setup for Hassle Free Installation and Built-in Wall Plug Power Adapter Design to Conveniently Extend Wi-Fi Signal Coverage

other
$29.99 after coupon code EMCWXVR66 Symantec Norton Internet Security 2014 - 3 PCs (unless you REALLY need it, I would wait for FAR)
$19.99 after coupon code EMCWXVR237 ESET Smart Security 5 - 3 PCs
$99.35 after coupon code EMCWXVR67 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version - Download
$79.99 after coupon code and $10 MIR card (exp 10/31/13) D-Link DCS-5020L Cloud Wireless IP Camera, 640X480 Resolution, Pan/Tilt, Night Vision, Wi-Fi Extender, Sound and Motion Detection, mydlink enabled
$5.99 after coupon code EMCWXVR77 Kingston DataTraveler 101 Gen 2 8GB USB 2.0 Flash Drive (Red) Model DT101G2/8GBZ (0.99 s/h) (prefer <$4, so avoid)
$19.99 after $10 MIR (exp 10/31/13) ADATA Premier Pro 32GB Micro SDHC Flash Card w/Adapter Model AUSDH32GUI1-RA1(prefer <$16)
$39.99 after coupon code EMCWXVR78 CORSAIR Voyager Mini 64GB USB 3.0 Flash Drive Model CMFMINI3-64GB (prefer <$32)
$7.99 after coupon code EMCWXVR83 Rosewill RCR-IC001 40-in-1 USB 2.0 3.5" Internal Card Reader w/ USB Port / Extra Silver Face Plate
$99.99 iHome AirPlay Wireless Stereo Speaker System iW2BC
$11.99 after $8 MIR (exp 10/31/13) Collection LED A19 / 10 Watt / 75 watt Incandescent replacement / 905 lumen / Daylight / 5400k / 40,000 hr / 3 yr warranty(3.58s/h)
$16.99 after coupon code EMCWXVR226 Rosewill RLFL-11001 3W 220 Lumen Cree LED Aluminum Flashlight

(credit techbargains)
$44.99 after coupon code EMCWXVR99 [l=Accessory Power GOgroove FlexSMART X3 Bluetooth FM Transmitter with Enhanced Clarity Technology for Wireless Handsfree Calling, Audio / Music Playback, and USB Charging in Your Car or Vehicle

heavily promoted
$209.99 after coupon code EMCWXVR235 ASUS VE278H Black 27" 2ms (GTG) HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 ASVR 50000000:1 (1200:1) Built-in Speakers
$22.99 after coupon code EMCWXVR238 Accessory Power GOgroove GGSVBX0100BKEW Portable Stereo Speaker System for Apple iPhone 4 & 4S / Motorola RAZR MAXX / Samsung Galaxy S III, Nexus, Note / HTC One, EVO / LG Optimus 4X and More Smartphones
Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Hard Drives Deals

Newegg Coupons
g: 1 Posted By: VivYip
Views: 498 Replies: 0 This is going to be a sorta experimental thread for 10/25

coupon codes expire 10/31/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$149.99 after 20 MIR card(exp 10/31/13) ASUS VN248H-P Super Narrow Bezel Black 23.8" 5ms (GTG) HDMI Widescreen LED Backlight LCD Monitor IPS 80,000,000:1 Built-in Speakers
$149.99 Polk Audio Monitor70 Series II Floorstanding Loudspeaker (Black) Each
$169.99 after coupon code EMCWXVR94 CineRAID CR-H458 Hardware RAID 0, 1, 10, 3 and RAID 5, support 4 x 3.5" Hot Swappable Drive Bays USB 3.0 eSATA RAID SubSystem (+probox card)


storage
$69.99 after coupon code EMCWXVR62 TOSHIBA Canvio 3.0 Plus 1.5TB USB 3.0 Black Portable Hard Drive HDTC615XK3B1
$49.99 after coupon code EMCWXVR25 Seagate Barracuda ST500DM002 500GB 7200 RPM 16MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$149.99 after coupon code EMCWXVR59 Seagate Backup Plus 4TB USB 3.0 Black Desktop Hard Drive STCA4000100
$209.99 SAMSUNG 840 Pro Series MZ-7PD256BW 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD)
$64.99 after coupon code EMCWXVR22 Western Digital Red NAS Hard Drive WD10EFRX 1TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive
$69.99 after coupon code EMCWXVR63 Western Digital Elements 1TB USB 3.0 Black External Hard Drive WDBUZG0010BBK-NESN
$159.99 after coupon code EMCWXVR26 WD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drive
$379.99 Corsair Force Series GS CSSD-F480GBGS-BK 2.5" 480GB SATA III Internal Solid State Drive (SSD)
$89.99 Plextor M5P Series PX-128M5Pro 2.5" 128GB SATA III MLC Internal Solid State Drive (SSD)
$179.99 Seagate 600 Series ST240HM000 2.5" 240GB SATA III MLC Internal Solid State Drive (SSD)


network(?)
$148.99 after coupon code EMCWXVR56 ASUS RT-N66U Dual-Band Wireless-N900 Gigabit Router, DD-WRT Open Source support, IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab
$124.99 after coupon code EMCWXVR69 D-Link DGS-1024D Unmanaged 10/100/1000Mbps Rackmountable Switch 24-Port Green Technology
$39.99 after coupon code EMCWXVR75 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort

computer case
$19.99 after coupon code EMCWXVR49 and $10 MIR(exp 10/31/13) RAIDMAX Tornado ATX-238WU Black/Blue SECC Steel ATX Mid Tower Computer Case
$69.99 after coupon code EMCWXVR53 and $20 MIR card(exp 11/8/13) Antec Nine Hundred Black Steel ATX Mid Tower Computer Case with Upgraded USB 3.0
$79.99 after coupon code EMCWXVR52 and $20 MIR(exp 10/31/13) NZXT Phantom PHAN-001BK Black Steel / Plastic Enthusiast ATX Full Tower Computer Case


power supply
$39.99 after couponc ode EMCWXVR48 and $20 MIR card (exp 10/31/13) Thermaltake TR2 TR-700 700W ATX 12V V2.3 & EPS 12V SLI Ready CrossFire Ready Active PFC Power Supply
$49.99 after coupon code EMCWXVR46 and $20 MIR(exp 10/31/13) CORSAIR CXM series CX600M 600W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$49.99 after coupon code EMCWXVR47 and $10 MIR card (exp 10/31/13) Rosewill HIVE Series HIVE-650 650W Continuous @40C, 80 PLUS BRONZE Certified, Modular Design, Single +12V Rail, ATX12V v2.31/EPS12V v2.92, SLI Ready, CrossFire Ready, Active-PFC Power Supply

small stuff
$4.99 Rosewill RPS-100 6 Outlets Power Strip 125V Input Voltage 1875W Maximum Power 3 Feet Cord Length
$14.99 after coupon code EMCWXVR24 LG 24X DVD Burner - Bare Drive 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model GH24NS95 - OEM
$8.99 Rosewill 4.7GB 16X DVD+R 50 Packs Spindle Disc Model RCDM-10005 - OEM
$18.99 after coupon code EMCWXVR45 memorex 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 05641(0.99s/h)
$10.99 after coupon code EMCWXVR44 memorex 25GB 6X BD-R 15 Packs Spindle Blu-ray Recordable Media Model 98683
$7.99 after $10 MIR card (exp 10/31/13) SYBA SY-PEX40039 PCI-Express 2.0 SATA III (6.0Gb/s) Controller Card
$21.99 after coupon code EMCWXVR64 Logitech Wireless Mouse M310 (910-001675) Silver 3 Buttons 1 x Wheel USB RF Wireless Laser Mouse
$19.99 after coupon code EMCWXVR68 Rosewill RNWA-PoE-1000 PoE Injector
$10.99 after coupon code EMCWXVR72 Rosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1X
$24.99 after coupon code EMCWXVR73 Edimax EW-7438RPn 300Mbps Wireless 802.11/b/g/n Universal Wi-Fi Range Extender with iQ-Setup for Hassle Free Installation and Built-in Wall Plug Power Adapter Design to Conveniently Extend Wi-Fi Signal Coverage

other
$29.99 after coupon code EMCWXVR66 Symantec Norton Internet Security 2014 - 3 PCs(unless you REALLY need it, I would wait for FAR)
$19.99 after coupon code EMCWXVR237 ESET Smart Security 5 - 3 PCs
$99.35 after coupon code EMCWXVR67 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version - Download
$79.99 after coupon code and $10 MIR card(exp 10/31/13) D-Link DCS-5020L Cloud Wireless IP Camera, 640X480 Resolution, Pan/Tilt, Night Vision, Wi-Fi Extender, Sound and Motion Detection, mydlink enabled
$5.99 after coupon code EMCWXVR77 Kingston DataTraveler 101 Gen 2 8GB USB 2.0 Flash Drive (Red) Model DT101G2/8GBZ(0.99 s/h) (prefer <$4, so avoid)
$19.99 after $10 MIR(exp 10/31/13) ADATA Premier Pro 32GB Micro SDHC Flash Card w/Adapter Model AUSDH32GUI1-RA1 (prefer <$16)
$39.99 after coupon code EMCWXVR78 CORSAIR Voyager Mini 64GB USB 3.0 Flash Drive Model CMFMINI3-64GB (prefer <$32)
heavily promoted
$209.99 after coupon code EMCWXVR235 ASUS VE278H Black 27" 2ms (GTG) HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 ASVR 50000000:1 (1200:1) Built-in Speakers


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Hard Drives Deals

Newegg Coupons
Craigslist business needs employees
Added on : Friday October 25th 2013 01:00:04 AM
g: 0 Posted By: money2011
Views: 1 Replies: 0 So I've recently started a craigslist based business that is taking off. I sell expensive electronics on the streets of NY. I get a call or text message from someone and deliver it directly to them. They pay in cash which I do report on the LLC books. The LLC is based in NJ and I am acting as a courier so no sales tax collection is needed.

I need to hire people to take my product from NJ into NY to deliver as I simply can't be in multiple boroughs at the same time. The problem is these are highly valuable electronics which can be easily fenced. How can I devise a way to make sure that whomever I entrust with the cash and items won't steal them and never be seen again.
Orlando Packages for 4 Nights from $349 plus 1.5% Cash Back
Added on : Thursday October 24th 2013 09:00:06 AM
g: -1 Posted By: FatWallette
Views: 305 Replies: 1
Orlando Flight & Hotel Packages for 4 Nights from $349 (see site for details) 



More Offers from Southwest
1.5% Cash Back Available! Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.comFor Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Gift Card Details: Cash Back not available on purchase or redemption of gift cards. Receive the Hot Deals and Offers Added Each Day by Email!
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Travel Deals Deals

Southwest Airlines Vacations Coupons
Rakuten (Buy.com) 16% back in "Rakuten Points" on most orders on OCT 24
Added on : Thursday October 24th 2013 03:00:04 AM
g: 0 Posted By: JamesTKirk
Views: 126 Replies: 0 Use promo code GETLUCKY. Promo codes are entered at the end of the checkout process (last page).

16% back on most orders

Rakuten points can then be used as cash on a future purchase.

Good till 11:59PM PDT OCT 24.

NOTE : They claim to report to the IRS your earnings if you reach $600 or 60,000 points.

NOTE : Maximum per customer/household with this code. ($100) <------IMPORTANT
Home & Garden Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Applying for a mortgage but have a bank history issue
Added on : Wednesday October 23rd 2013 12:00:06 PM
g: 0 Posted By: cap217
Views: 167 Replies: 1 Quick story...

Girlfriend and I have been looking for a house. She has a lot of student loan debt and in return credit to limit ratio is over extended. She has $120k in student loans. She makes $65,000 a year and receives some money from the HRSA program to repay for 2 years. This will get her to around $70k when that s done. I helped her with finance stuff and she is on the right track and has a credit score of 680. We have been saving but in her account mostly bc she makes more and when we want to buy a house, she will be the primary borrower.

I have only a car lease for debt. I think my AMEX and other cards might show a small revolving balance but I pay them off monthly. Sometimes it gets reported with a balance due to the billing cycle (I dont know)? Anyways, I dont make more than her and we couldnt afford anything nice in a house that I could purchase with my income.

Last week we found the perfect house in the perfect area that was underpriced. I talked to my agent and loan guy and I could qualify on my own. The house price is $99,000. Here is the general breakdown:

Income $18/hr @ 33 hr week= $30,888 year.
Monthly debt= $250
Fico=815
Checking $7,800
Savings=$2,000
Retirements=$11,000

All that works out for me. I told my loan guy that I was going to deposit a check from my girlfriend for $9,000 and he said NO (her account has all our savings $40,000). Dont scar your bank account by doing that. I then realized that my previous bank statements show about $2,400 in ATM withdrawls. I buy and trade and sell guitars as a hobby. This amount of money comes in and out on a normal basis along with paypal deposits (selling on forums or eBay) and large AMEX bills (buying on forums usually) (that are 100% paid). He said this is going to be an issue.

This was a long post that is all over the place. What I want to know is; will my atm withdrawls, large AMEX payments, and paypal deposits to my checking account be an issue? How do I address this issue? If I would have known we were using my checking account and I was doing a loan on my own, I wouldnt have been doing this for the past few months. Has this hurt my chances for a loan?
Real Estate Deals
50% off Burt's Bees Fall Grab Bag @ Burt's Bees - $25.00
Added on : Wednesday October 23rd 2013 05:00:04 AM
g: 1 Posted By: Trishako1
Views: 212 Replies: 0 50% off Burt's Bees Fall Grab Bag @ Burt's Bees - $25.00
was $50.00
Free shipping on orders of $50  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Health & Beauty Deals

Burt's Bees Coupons
Advocate Medical Group Lawsuit
Added on : Tuesday October 22nd 2013 08:00:12 PM
g: 0 Posted By: messi85
Views: 96 Replies: 1 Advocate Medical Group, part of the largest health system in Illinois, recently announced asecurity breachthat puts over4 million current and former patients at risk of identity theft.On July 15, 2013, burglars stole four computers from an Advocate Medical Group administrative office in Park Ridge, IL. Sources cite a lack of 24/7 security and no alarm system on the premises.The unencrypted (not secured) data stored on the hard drives of the stolen computers include the information of patients just like you. This could include your Social Security numbers, names, addresses, DOBs, medical diagnoses, medical record numbers, medical service codes, and health insurance information.This type of sensitive data can be used for an array of fraudulent activity.Advocate violated privacy regulations by failing to use encryption and other security measures on the computers (Smith,Chicago Tribune, 9/5).


Advocate Medical Center offered me free Experian credit report monitoring for a year. My girlfriend and her sister also got this letter. My dad also got a letter in the mail saying that his personal information was violated. I actually had to call Advocate to find out I was on the list and then they sent me a letter that I was a victim. My dads social security number is also tied to my health insurance. My girlfriend mother also got a letter. We want to sue advocate and do a class action lawsuit. I want to sue them and not be part of the current class action lawsuit that some patients filed because I will only get a small chunk of money. So I dont know if I should maybe get my own lawyer and sue them. Any thoughts on this? This is the second time Advocate has done this in the last 4 years.
Question Deals
g: 21 Posted By: user0001
Views: 4887 Replies: 39 $29 shipped at Amazon (pick sellers Web's Best Deals or DirectDeals4U)
$30 shipped on eBay

You will not find a cheaper simultaneous dual band gigabit USB router! A worthy successor to the hugely popular $22 Belkin single band router. This is essentially the same router but adds the 5GHz band. I have been using this for about a month now with zero problems. Yes, the Belkin FW probably sucks and switching to Tomato was the first thing I did.

F7D4301 Features:
Dual band wireless N300 (Simultaneous, N600 via DD-WRT/Tomato)*
4 Gigabit Ethernet ports
2 USB 2.0 ports
453MHz Broadcom BCM4716 chip rev 1
64MB RAM
8MB flash
DD-WRT compatible
Tomato compatible (see quick summary below)

*There are a few reports that the Belkin F7D8301 (Play Max N600/Play HD N600) has the same exact hardware as the F7D4301. Tomato FW even labels them as the same. I can't confirm that this F7D4301 running Tomato will do 600Mbps but based on reports I would expect it to work.

Prior deal with similar info
Expired F7D7301 $22 deal with tons of info (DO NOT USE ANY FILES - DIFFERENT HW)
Routers Deals
Can I/Should I take action about MP fraud?
Added on : Tuesday October 22nd 2013 04:00:16 PM
g: -1 Posted By: luv2save12
Views: 230 Replies: 6 I have been doing FW type of stuff for about a year now. Recently, about a month ago, I found an RA that I could get MP with a CC.Last week I bought $4000 worth at lunch time, around 12:30 pm. I went to load them after work around 6:00 pm. The cards said they had a $0 value. When I bought the cards, the cashier put all of the cards on one transaction at first. I asked her to do a partial payment because I wanted to use 2 different CCs. This cashier did not know how to do a partial payment, so she asked another cashier. This 2nd cashier told me that she had to void the whole thing and ring them up separately because the 1st cashier did not know the store policy about these cards and they need to be on separate transactions. So, I first thought the $0 value must have something to do with the voiding. I called GD and they said someone already loaded that card around 4:30 pm. I told her that this is the first time I am trying to load these cards. She instructed me to file a claim.

I filed 8 claims since they were all on separate receipts now. I received a call yesterday saying that they only recovered the funds from one of the cards. I am out $3500. The GD employee told me I can file a police report and then the police can call GD. GD will then release the names of the account holders to the police only and I could press charges. GD told me that there were different accounts with different account holders that the funds were loaded to and that the money had already been spent. They said that all of those accounts were then closed by GD.

Is there anything that can be done to try to get my money back? I am not sure of my options. I guess go to the police, but will that get me my money back? I am sure the account holders did not use their real information when they opened those accounts. Could I do a chargeback on my CCs, but I do not want to damage that relationship and have them look into my CC accounts? The stores always say no returns on GC sales so aren't they protected anyways? Are there any other options?

I really cannot imagine what people feel like when they are a victim of fraud and their whole life savings are stolen. I am ahead for the year still, so I think I just might have to cut my losses and be thankful for still being up for the year. I do realize this game has risks and I think I just felt the consequences of those risks, but I thought I would reach out to the FW community to see if you have any suggestions. Thank you.
Personal Finance Deals
NJ business - sales tax audit for NY
Added on : Tuesday October 22nd 2013 09:00:11 AM
g: 0 Posted By: britestar
Views: 70 Replies: 0 I need the expertise of fellow FWers.

I own an e-commerce business based solely in NJ and received a letter from NY Tax office for an audit of NY sales tax.
As we're in NJ and has no physical presence in NY, we are not obligated to collect sales tax in NY (apparently, that's not the case?)
I contacted the audit officer and was told that somebody has reported to NY state that we do installation in NY when we deliver the products.
We are a dropshipper and use 3rd party companies for shipping and installation (if customer requests).
Now NY state wants to see how much business we do to NY and they want to evaluate and see if they can establish Nexus and if we are liable for sales tax since 9/1/2007 (if we are, then I don't know how we will come up with the money).
We don't use any affiliates that is based in NY as well.
Is there a certain amount or # of transactions that they can use to establish Nexus? or is there a catch that I should take extra precautions of?

Thanks in advance!

Tax Deals
g: 2 Posted By: VivYip
Views: 811 Replies: 2 This is going to be a sorta experimental thread for 10/22

coupon codes expire 10/25/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
199.99 Harman/Kardon AVR 1650 5.1-Channel AV Receiver
$129.99 Klipsch Synergy S-10 Premium WDST Surround Speakers Pair
$109.99 after coupon code EMCWXVV22 Seagate Barracuda 7200.14 ST3000DM001 3TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$64.99 after coupon code EMCWXVV23 Western Digital WD Black WD5003AZEX 500GB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$109.99 after coupon code EMCWXVV59 CORSAIR HX Series HX850 850W ATX12V 2.3 / EPS12V 2.91 SLI Ready CrossFire Ready 80 PLUS GOLD Certified Modular Active PFC Power Supply New 4th Gen CPU Certified Haswell Ready
$59.99 after $30 MIR (exp 10/23/13) Sans Digital 4 Bay eSATA Port Multiplier JBOD Tower Storage Enclosure (no eSATA Card bundle) TR4M+BNC
$49.99 after coupon code EMCWXVV27 Seagate Momentus Thin ST500LT012 500GB 5400 RPM 16MB Cache SATA 3.0Gb/s 2.5" Internal Notebook Hard Drive
$169.99 after $30 MIR (exp 10/28/13) Corsair Force Series GS CSSD-F240GBGS-BK 2.5" 240GB SATA III Internal Solid State Drive (SSD)
$69.99 SAMSUNG Blu-ray Player BD-F5100/ZA
$99.99 after coupon code EMCWXVV35 WD My Book 3TB Desktop USB 3.0 External Hard Drive Storage WDBACW0030HBK-NESN
$26.99 after coupon code EMCWXVV36 and$10 MIR (exp 10/28/13) ADATA DashDrive UV128 64GB Flash Drive Model AUV128-64G-RBE
$999.99 Lenovo IdeaPad Y510p (59388313) Intel Core i7 4700MQ(2.40GHz) 8GB Memory 1TB HDD 8GB Hybrid SSHD SSD 15.6" Notebook Windows 8
$199.99 after coupon code EMCWXVV248 Acer G6 G276HLGbd Black 27" 6ms Widescreen LED Backlight Monitor 300 cd/m2 3000:1 Built-in Speakers
$159.99 after coupon code EMCWXVV249 ASUS VS248H-P Black 24" 2ms HDMI LED Backlight Widescreen LCD Monitor 250 cd/m2 ASCR
$189.99 after coupon code EMCWXVV67 and $25 MIR (exp 10/31/13) MSI R7950-3GD5/OC BE Radeon HD 7950 3GB 384-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card (+3 game +radeon gold
$149.99 after $30 MIR card(exp 10/31/13) XFX Double D FX-787A-CDFC Radeon HD 7870 GHz Edition 2GB 256-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card(+2 games)
$129.99 after coupon code EMCWXVV95 and $40 MIR card(exp 12/31/13) NETGEAR 24 Port Gigabit Business-Class Rackmount Switch - Lifetime Warranty (JGS524)
$57.99 after coupon code EMCWXVV97 D-Link Xtreme Gigabit Router (DIR-655) Wireless N300, USB SharePort, Gigabit
$39.99 after coupon code EMCWXVV252 and $30 MIR card(exp 12/31/13)Netgear Powerline AV 200Mbps Pass Thru + USB Port (XAUB2511)
$39.97 after coupon code EMCWXVV98 LINKSYS RE1000-NP Wireless-N Range Extender
$129.99 brother HL Series HL-5450DN Workgroup Up to 40 ppm Monochrome Laser Printer
$259.99 after coupon code EMCWXVV46Western Digital WD SE WD4000F9YZ 4TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive



small stuff
$29.99 after $30 MIR card(exp 10/23/13) CineRAID CR-H212 RAID 0/1/JBOD/Normal USB 3.0 Dual 2.5" Bay Silent Hand Held RAID Enclosure (Free HighPoint USB 3.0 controller card )
$28.99 after coupon code EMCWXVV32 RAVPower RP-PB04 10000mAh 3.1A Power Bank fit for iPad 4, iPhone 5, iPhone 4S, Samsung Galaxy S4, S3, Google Nexus 4, Moto X and other Mobile Devices
$14.99 after coupon code EMCWXVV37 Microsoft Desktop 400 5MH-00001 Black USB Wired Standard Keyboard
$14.99 after coupon code EMCWXVV77 Nero Burning Rom 2014 - Download
$149.99 after coupon code EMCWXVV47 Seagate 4TB Black External Hard Drive STBV4000100
$29.99 after coupon code EMCWXVV89 Logitech M705 Black 1 x Wheel USB RF Wireless Laser Marathon Mouse
$39.99 after coupon code EMCWXVV66 and $20 MIR(exp 10/28/13) RAIDMAX Blackstone series RX-700AC 700W Continuous Power ATX12V V2.3 / EPS12V V2.91 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$6.99 Rosewill RPCT-10001 32-Piece Precision Screwdriver w/ Bit Set
$4.99 Rosewill RFA-120-WL 120mm 4 White LEDs LED Case cooler
$12.99 after coupon code EMCWXVV254 Rosewill RHB-320 7 Ports USB 2.0/1.1 Hub with Power Adapter
$15.99 after coupon code EMCWXVV99 ASUS DVD-Writer 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model DRW-24F1ST
$11.99 Rosewill RNX-N150PCx Wireless Adapter IEEE 802.11b/g/n PCI 2.2 Up to 150Mbps Wireless Data Rates WPA2
$6.99 SunSun Lighting A19 LED Light Bulb / E26 Base / 6.5W / 40W Replace / 450 Lumen / Dimmable / UL / 2700K / Warm White


other
$94.99 after coupon code EMCWXVV62 and $25MIR card(exp 10/23/13) Corsair Carbide Series 500R Arctic White Steel / Plastic ATX Mid Tower Gaming Case
$84.99 after coupon code EMCWXVV253 Panasonic KX-TG7644M Link-To-Cell 1.9 GHz Digital DECT 6.0 4X Handsets Cordless Phones Integrated Answering Machine
$30.99 after coupon code EMCWXVV28 E-Ware 9K109 Fondue Pot Set
$54.99 after coupon code EMCWXVV33 Seagate Momentus XT ST95005620AS 500GB 7200 RPM 32MB Cache 2.5" Solid State Hybrid Drive -Manufacture Recertified
$32.99 iCanonic Black Blue 12000 mAh Universal Rechargable Power Pack ICR-12000B
$110.9 after coupon code EMCWXVV44 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version (+webroot)
$368.99 after coupon code EMCWXVV45 Adobe Acrobat XI Professional for Windows - Full Version
$59.99 after coupon code EMCWXVV63 and $20 MIR card (exp 10/28/13) OCZ ZT Series 750W Fully-Modular 80PLUS Bronze High Performance Power Supply compatible with Intel Sandy Bridge Core i3 i5 i7 Intel 4th Gen CPU Haswell and AMD Phenom
$119.99 after coupon code EMCWXVV65 and $25 MIR card (exp 11/3/13) Rosewill LIGHTNING-1000 1000W Continuous @ 50C, Intel Haswell Ready, 80 PLUS GOLD, ATX12V v2.31 & EPS12V v2.92, SLI/CrossFire Ready, Modular Active PFC Power Supply
$17.99 after coupon code EMCWXVV224 SONY 4.7GB 16X DVD+R 100 Packs Spindle Spindle Disc Model 100dpr47sp(0.99 s/h)
$53.99 after coupon code EMCWXVV78 SAMSUNG 64GB MicroSDXC Flash Card w/ Adapter Model MB-MGCGBA/AM (prefer ~$32, so I would avoid this
$11.19 after coupon code EMCWXVV82 PNY 16GB Secure Digital High-Capacity (SDHC) Flash Card Model P-SDH16G10H-GE(prefer ~$8, so I would avoid this)
$10.48 after coupon code EMCWXVV79 Team Color Turn 16GB USB 3.0 Flash Drive (Brown) Model TG016GE902C3(prefer ~$8, so I would avoid this)
$19.99 after coupon code EMCWXVV83 G.SKILL 32GB Micro SDHC Flash Card w/ SD Adapter Model FF-TSDG32GA-C10 (prefer ~$16, so I would avoid this)
$39.99 after coupon code EMCWXVV87 Rosewill R-BM-01 2 lbs. Programmable Bread Maker
$19.99 after coupon code EMCWXVV84 and [$20 MIR(exp 10/28/13) Gigabyte GP-FLY 3.5mm Connector Lightweight Super Bass on-Ear Headset
$19.99 after coupon code EMCWXVV85 SCOSCHE Black HPSC66MBK 3.5mm Connector Earbud Headphone/Headset
$69.99 after coupon code EMCWXVV225 Rosewill High Back Leather Executive Chair - Black (RFFC-11001)
$39.99 after coupon code EMCWXVV232 eSecure ES18C290 700 TV Lines Sony Effio-E DSP Night Vision CCTV Security Camera - 3.6mm Wide Angle Lens and 26 IR LEDs, IP66 (White)

heavily promoted
$549.99 after coupon code EMCWXVV26 ASUS Intel Core i5 4GB Memory 500GB HDD 24GB SSD 14" Touchscreen Ultrabook Windows 8 64-Bit S400CA-RSI5T18
$229.00 ASUS Nexus 7 FHD (Second Generation) Tablet PC Qualcomm Snapdragon S4 Pro Quad-Core 1.50GHz 2GB DDR3 RAM 16GB Flash 7" IPS 1920x1200 (+Free Vantec portable battery)
$119.98 after coupon code EMCWXVV34 Microsoft Windows 7 Professional SP1 64-bit - OEM
$29.99 WD My Net N750 HD Dual-Band Router - Wireless N, 4x Gigabit LAN Ports, 300Mbps & 450Mbps, Dual-Band 2.4GHz/5GHz, 2x USB 2.0 Ports WDBAJA0000NWT-HESN

Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Computers Deals

Newegg Coupons
g: 0 Posted By: user0001
Views: 267 Replies: 0 $27 shipped on eBay
$29 shipped at Amazon (pick sellers Web's Best Deals or DirectDeals4U)
$30 shipped on eBay

You will not find a cheaper simultaneous dual band gigabit USB router! A worthy successor to the hugely popular $22 Belkin single band router. This is essentially the same router but adds the 5GHz band. I have been using this for about a month now with zero problems. Yes, the Belkin FW probably sucks and switching to Tomato was the first thing I did.

F7D4301 Features:
Dual band wireless N300 (Simultaneous, N600 via DD-WRT/Tomato)*
4 Gigabit Ethernet ports
2 USB 2.0 ports
453MHz Broadcom BCM4716 chip rev 1
64MB RAM
8MB flash
DD-WRT compatible
Tomato compatible (see quick summary below)

*There are a few reports that the Belkin F7D8301 (Play Max N600/Play HD N600) has the same exact hardware as the F7D4301. Tomato FW even labels them as the same. I can't confirm that this F7D4301 running Tomato will do 600Mbps but based on reports I would expect it to work.

Prior deal with similar info
Expired F7D7301 $22 deal with tons of info (DO NOT USE ANY FILES - DIFFERENT HW)
Routers Deals
g: 0 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/dp/B00DI9SVQK

Electrify
all your communications
in business and beyond
with everyone, everywhere!

The top 100 power verbs
express strength, intelligence, and confidence
drive change and motivate action
make you a more powerful, charismatic leader

Grab the right verb and use it the right way to:
Work any room and become a truly unforgettable networker
Write crisp, focused, highly-effective reports, emails, memos, and business plans
Present brilliantly, whether youre a president, professor, preacher, or pundit
Deepen and strengthen your relationships with every client, customer, and investor
Jam-packed with examples drawing on thousands of years of storytelling, literature, and experience

Indispensable for everyone who wants to win!
Books Deals

Amazon Coupons
g: 0 Posted By: JamesTKirk
Views: 61 Replies: 1 Use promo code TREAT4U. Promo codes are entered at the end of the checkout process (last page).

10% back at $50, 15% back at $75 and 20% back at $100 in spending.

Rakuten points can then be used as cash on a future purchase.

Good till 11:59 PDT OCT 22.

NOTE : They claim to report to the IRS your earnings if you reach $600 or 60,000 points.

NOTE : Maximum 5,000 points per customer/household. ($50) <------IMPORTANT
g: 1 Posted By: remick
Views: 196 Replies: 0 http://www.amazon.com/Building-Digital-Analytics-Organization-Integrating-ebook/dp/B00E5F2QSK

Generate Maximum Economic Value from Leading-Edge Digital Analytics and Data Science.
The complete business practitioner's guide to profiting from analytics on big data.
Build a focused, highly effective, cross-functional, process-oriented analytics organization, backed by the right support from other teams, funded by management, and perceived as successful by business stakeholders.
Learn and apply best practices for every task when executing digital analysis--from planning and strategy to optimization and demonstrating value creation.
Digital analytics can help you grow value in virtually any market or industry in any country. To make the most of it, however, you need to create a highly-effective digital analytics organization--and that's not easy. Self-service reports, relevant dashboards, and other tools and techniques can help.

But they're only the beginning.

This guide covers all you need to know to build a well-resourced digital analytics team, and then back it with cross-functional support and alignment from IT, marketing, finance, the executive team, and beyond...while successfully applying analytics across the business. You will learn what it means to be "doing analytics": creating analytical processes and managing teams; collecting and governing data; analyzing paid, owned, and earned media; performing competitive and qualitative analyses; testing and optimization; targeting and automating; integrating digital data; using predictive modeling and other data sciences; and much more.
Drawing on years as a pioneer in the field, Judah Phillips covers the business management, process, technical, and analytical work required to tell accurate "data stories" that answer Crucial business questions.
Books Deals

Amazon Coupons
g: 2 Posted By: BenDB
Views: 1005 Replies: 1 I have been following the recent price cuts on the ST and VT lines from Panasonic, but I hadn't seen much on a 55" TV which is what I am shopping for.

I found a coupon code for Paul's TV that brings the price of the TC-P55VT60 down to $1599. It is AUTUMN28.

This includes their 'white glove' delivery, which includes taking it the room you want (up to two flights), unboxing it, and doing a power-on test. (They do not assemble or attach the stand; usual procedure is to ask them to put the TV back in the box or its packing materials, and do the final placement yourself.)

No tax in the states without a Paul's TV store. If you are near a Paul's TV store, you can price match to the online site very easily.

If you have not been following the Plasma saga, this is the first TV to get a perfect '10' on its picture rating from CNET. Plus, Panasonic will not be bringing out any more Plasma TVs, according to several news reports.

If you want to drop down to the ST line, you can save $400 or so, but you lose some things: slight picture quality drop, 3D is not as good, bad lag times for gaming, and it has more problems with glare, and with picture quality in well-lit rooms.

You can also go up to the ZT line, which gets you better bright-room performance, and better anti-reflection technology, but no 55" size. Though if bright-room performance is critical for you, considering a high-end LCD TV, or the Samsung 8500 line of Plasmas are also good alternatives.

Edit: I forgot to mention that there is 2.5% cash back here at Fat Wallet. Plus, if you haven't heard, if you order online and use Discover, there is an online offer of 5% back from Discover, I would expect them to stack.

Edit: updated title, verified coupon code now OK for FW Cash Back.


Plasma TV Deals

Paul's TV Coupons
55" Panasonic Plasma TV, TC-P55VT50. $1599 delivered from Paul's TV
Added on : Saturday October 19th 2013 12:00:06 PM
g: 0 Posted By: BenDB
Views: 277 Replies: 0 I have been following the recent price cuts on the ST and VT lines from Panasonic, but I hadn't seen much on a 55" TV which is what I am shopping for.

I found a coupon code for Paul's TV that brings the price of the TC-P55VT60 down to $1599. It is AUTUMN28.

This includes their 'white glove' delivery, which includes taking it the room you want (up to two flights), unboxing it, and doing a power-on test. (They do not assemble or attach the stand; usual procedure is to ask them to put the TV back in the box or its packing materials, and do the final placement yourself.)

No tax in the states without a Paul's TV store. If you are near a Paul's TV store, you can price match to the online site very easily.

If you have not been following the Plasma saga, this is the first TV to get a perfect '10' on its picture rating from CNET. Plus, Panasonic will not be