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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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Travel Deals Deals

Southwest Airlines Vacations Coupons
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 
Hotel Deals

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...

Books Deals

Amazon Coupons
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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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."
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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.
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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 



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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.
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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!
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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.
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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-...
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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!
Subscribe to the FatWallet Daily Email 
Travel Deals Deals

Southwest Airlines Vacations Coupons
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.


Books Deals

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 



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 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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Travel Deals Deals

Southwest Airlines Vacations Coupons
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/
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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.

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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.

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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...
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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

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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
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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


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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
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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

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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?
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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

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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.)




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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
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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!
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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
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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)
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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.




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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  
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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
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g: 0 Posted By: minghi
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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.)
Flowers & Gifts Deals

Teleflora Coupons
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

T-Mobile Coupons
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!
Cell Phones Deals

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.


Tax Deals
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
Personal Finance Deals
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?

Personal Finance Deals
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.
Lifestyle & Fashion Category
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Automobile (1yr: $4.99, 2yr: $9.98, 3yr: $14.97, 4yr: $19.96)
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Cat Fancy (1yrs: $8.99)
Dog Fancy (1yrs: $8.99)

http://www.discountmags.com/promos/digital?c=
Magazines Deals

DiscountMags.com Coupons
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.
Limited Eligibility Deals
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
Take an Additional 20% Off
Coupon Code:WKLYSPEC
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.

Magazines Deals

Best Deal Magazines Coupons
Free kindle Book- Made to Last (Where Love Begins Book #1) Was $13.99
Added on : Tuesday December 03rd 2013 07:00:03 AM
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/Made-Last-Where-Love-Begins-ebook/dp/B00CIUJYVG

4.5 out of 5 stars with 107 reviews

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

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

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

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

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

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

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

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

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

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

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

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

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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!
Subscribe to the FatWallet Daily Email  
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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
Books Deals

Amazon Coupons
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

Improve Your Health Naturally [Kindle Edition]
http://www.amazon.com/Improve-Your-Health-Naturally-ebook/dp/B00...


Books Deals

Amazon Coupons
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!
Subscribe to the FatWallet Daily Email  
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 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, if the AUTUMN28 coupon is added to the coupon page. Plus, if you haven't heard, if you order online and use Discover, there is an online offer of 5% back from Discover,


Plasma TV Deals

Paul's TV Coupons
Out of Wallet Questions and Credit Pull
Added on : Saturday October 19th 2013 07:00:08 AM
g: 0 Posted By: billcard
Views: 32 Replies: 0 Recently I had to answer out of wallet questions to activate a credit card and a debit card online. These are the questions that are something along the lines of, "Which of the following counties have you lived in?" "Who do you make you mortgage payments to?", etc... Recently I did this for Bank of America, and again just now to get a miles debit card. For the Bank of America credit and debit card, it lit up Credit Karma and Credit Sesame as a hard pull. The hard pull only stayed on the report for 2 days though and was gone for my next refresh. Anyone else had this kind of phantom hard pull?

The questions seem to really be going downhill too. Each of the three times I have done this recently, one of the questions has been unanswerable. For example, "Which of these counties have you lived in?" Answers A&B will be counties I have lived in, C will be one I have not lived in and D will be None of the Above. Similar problems with "What is your Auto payment at X Bank?" when I have two auto loans there and both payments are in the multiple choices. These are driving me crazy. Should I just resign myself to calling in?
Personal Finance Deals
g: 3 Posted By: remick
Views: 1288 Replies: 0 http://www.amazon.com/Cleaning-House-Begging-Parents-ebook/dp/B00AIUXRBG/

5.0 out of 5 stars with 7 rewiews

Q: Why buy the "Begging" Book?

A: It will take you from "Nagging To Bragging" in a fun way. It will help turn one of the most unpleasant parts about being a parent - hounding kids to do their chores - into opportunities to not only have fun, but grow closer as a family.
It's completely unique from any other parenting book. There is no other collection of cleaning games and activities that offers such a range of ideas, from the quick and easy, to the ambitious and unforgettable.
Inside you'll find colorful graphics, fun and funny music, "edu-taining" stories, and "click and go" resources.
There's link to a free gift - an eBook about how to quickly stop tantrums and fighting.
Actually . . . you can get the Kindle version of this book for free.
Pick up the free sample . . . or if you've got Amazon Prime, just borrow
it - no charge! And now, thanks to MatchBook - you can get a free copy of the Kindle version when you buy the hardcopy.
When you get to the last page, instead of finding "The End" - you'll find it's just the beginning! There's an interactive website, a free report, a "Parents' Toolbox" newsletter, and a place for parents to keep the flow of ideas and support coming!

HERE'S A TASTE of what you can expect . . .

Imagine hearing, "Mommmmmm! Can we pleeeeese clean the house nowwww?!"

Imagine seeing your child - the one that's so resistive to helping - cleaning up without being asked . . . and even nagging you for a chance to help out.

Should this book be in the fiction section? Things like that don't happen in the real world - do they?!

"Cleaning Games: How To Get Your Kids Begging For Chores" is about how "work and fun can be one" by using the D.N.A. of F-U-N to help both parents and kids get what they want when there's a job to be done! It's loaded with "recipes" that can turn any task into an unforgettable family memory-making-moment.

Find out how to roar with laughter while you're doing your laundry.
Play "Bomb Squad" and have your house cleaned in record time.
Learn the secret to getting your kids to pick up each others messes.
Get free access to Radio "WUHU" (read "Wooooh! Hoooooh!") with fun and funny music to lighten the load.
Find out what "Happy Bucks" are
. . . and so much more!

Then, you'll learn how to come up with your own "secret family recipes" to make work a treat.

This book also gives families access to Cleaning-Games.com with even more goodies for families.
Totally Free Deals
Reported Hit and Run - Requesting Recorded Statement
Added on : Friday October 18th 2013 11:00:06 AM
g: 0 Posted By: Cashman
Views: 134 Replies: 3 About a month and a half ago, wife and I were getting back to our car in the Starbuck's parking lot. While I pulled out, I waited for an individual to back up and continue. These spots were all at angles and he was not aligned - so he hit the vehicle to the right of him. After this happened, he drove off.

I got the license plate number off of the individual that drove off and called the non-emergency number for the Sheriff's Office. They sent a unit out and found the hit vehicle and owner and filled a police report.

Now this week - I have State Farm calling me asking to give a recorded statement. After inquiring further with the rep, he told me he was the insurer of the individual that drove off. From my research, it doesn't seem like I am mandated to give any statement, but is there any recourse here?

I was doing a solid for the individual that got hit - didn't expect it to get this far. Thoughts?
Verizon wireless pulled all three credit report without my permission
Added on : Friday October 18th 2013 05:00:07 AM
g: 1 Posted By: mikecl
Views: 1121 Replies: 14 So, I was in the market for new phone and I was checking out verizon wireless website yesterday for possibility of paying full price for the phone and ordering it without credit check.

I started the checkout process. Put in my right name/address/dob (stupid of me) but on the credit form I put all garbage for DL and SSN. But the real kicker is, I did not order the phone in the end and I closed the browser. The credit form did not have any disclaimer on the page stating it will do credit check right at that step if I continued. But as a matter of fact I got alert today morning that I've two new inquiries (transunion and experian).

Now I know that they do not need to have my correct SSN/DL information to do credit check but I did not think they would do a credit check for a line that I did not order (or open). I talked with them today morning and they seem to not find any inquires to me in their "credit pull" database.

Now my question to FWF is, what are my options here?

ETA: Today I see an alert for Equifax as well and no wonder it's a hard pull from verizon wireless.

Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 73 Replies: 1 Ice Ball Mold - Silicone Ice Ball Maker - Transparent Ice Ball Tray - Makes 2 Spherical Ice Balls (40% OFF with code) $8.38 FS with Prime

http://www.amazon.com/Ice-Ball-Mold-Transparent-Spherical/dp/B00...

Enter code COOLNESS at checkout

Ice Ball Maker
A silicone sphere ice mold that makes 2 ice balls to chill all sorts of drinks.

By Using an Ice Ball You Will:

- Keep your beverage's original taste and consistency, since ice balls won't let it water down due to a slow-melting rate.
- Chill your favorite drink faster than you can imagine.
- Have a lot of fun while making these ice spheres and customize them as you please.
- Serve beverages in an innovative way at your next happy hour gathering. Your guests will love it!

3 Free Tasty Cocktail Recipes Included!

Most people are looking for 100% silicone-made ice ball maker in order to get one that is non-stick, robust and safe.

- Includes 1 ice ball mold, making two 2 1/3 inches ice spheres.
- Easy to remove ice from silicone mold.
- BPA Free silicone. Dishwasher and Microwave Safe.
- Perfect size if your freezer is constantly full.
- One of our customers reported: "If this can survive my kids, it has to be tough and great quality".

THE ONLY LIMITATION IS YOUR IMAGINATION

If you think cooling drinks is the only thing you can do with this, think again.

- You will look like a kitchen pro when you freeze whole fruits, leaves or flowers to make it even more beautiful.
- Make it look like an eyeball on Halloween parties.

The possibilities are endless. Release the creative you!

GUARANTEE

You Can Try Our Rival's Sphere Ice Mold. Still, Have in Mind that This Ice Ball Mold Is Backed by a Lifetime No-Hassle Money-Back Guarantee!
Home & Garden Deals

Amazon Coupons
Take Out Unnecessary Student Loan to Boost Credit Score?
Added on : Thursday October 17th 2013 06:00:11 AM
g: 0 Posted By: km782
Views: 67 Replies: 0 I am looking for a way to boost my credit score. My score from Transunion is 747, which is ok but I don't really think it reflects my financial situation so I'd like to increase it. Two years ago it was over 780 but I decided to close my oldest credit card which began charging an annual fee and offered no rewards. I also opened a new account in its place and my score dropped 40 points as a result.

Right now I have 2 open credit card accounts. One is a Capital One card with a $15k limit and the other is a Citi card with a $31k limit. Citi recently increased my limit but Capital One refuses my requests. I have $170k in liquid assets (stocks, savings, etc.) so I am more than capable of paying off any bill that comes my way and have no other outstanding debt.

I am a part time student in grad school right now and have been paying the tuition bills out of pocket. Would taking out a student loan and then paying it off soon after that boost my credit score? My understanding is that it is helpful to have types of debt other than just credit card debt on your credit report. Id like to purchase a house in the next few years so even though I would pay a fee for the student loan I wonder if a lower interest rate on a mortgage would more than make up for it?
Personal Finance Deals
g: 0 Posted By: remick
Views: 147 Replies: 0 http://www.amazon.com/Cleaning-House-Begging-Parents-ebook/dp/B00AIUXRBG/

5.0 out of 5 stars with 7 rewiews

Q: Why buy the "Begging" Book?

A: It will take you from "Nagging To Bragging" in a fun way. It will help turn one of the most unpleasant parts about being a parent - hounding kids to do their chores - into opportunities to not only have fun, but grow closer as a family.
It's completely unique from any other parenting book. There is no other collection of cleaning games and activities that offers such a range of ideas, from the quick and easy, to the ambitious and unforgettable.
Inside you'll find colorful graphics, fun and funny music, "edu-taining" stories, and "click and go" resources.
There's link to a free gift - an eBook about how to quickly stop tantrums and fighting.
Actually . . . you can get the Kindle version of this book for free.
Pick up the free sample . . . or if you've got Amazon Prime, just borrow
it - no charge! And now, thanks to MatchBook - you can get a free copy of the Kindle version when you buy the hardcopy.
When you get to the last page, instead of finding "The End" - you'll find it's just the beginning! There's an interactive website, a free report, a "Parents' Toolbox" newsletter, and a place for parents to keep the flow of ideas and support coming!

HERE'S A TASTE of what you can expect . . .

Imagine hearing, "Mommmmmm! Can we pleeeeese clean the house nowwww?!"

Imagine seeing your child - the one that's so resistive to helping - cleaning up without being asked . . . and even nagging you for a chance to help out.

Should this book be in the fiction section? Things like that don't happen in the real world - do they?!

"Cleaning Games: How To Get Your Kids Begging For Chores" is about how "work and fun can be one" by using the D.N.A. of F-U-N to help both parents and kids get what they want when there's a job to be done! It's loaded with "recipes" that can turn any task into an unforgettable family memory-making-moment.

Find out how to roar with laughter while you're doing your laundry.
Play "Bomb Squad" and have your house cleaned in record time.
Learn the secret to getting your kids to pick up each others messes.
Get free access to Radio "WUHU" (read "Wooooh! Hoooooh!") with fun and funny music to lighten the load.
Find out what "Happy Bucks" are
. . . and so much more!

Then, you'll learn how to come up with your own "secret family recipes" to make work a treat.

This book also gives families access to Cleaning-Games.com with even more goodies for families.
Totally Free Deals
g: 1 Posted By: VivYip
Views: 146 Replies: 1 credit techbargains

Newegg has this item for $86.99 with a free wireless router after coupon code EMCWXWR62 with free shipping and no tax in most stated

MOTOROLA SB6141 SURFboard DOCSIS 3.0 Cable Modem 10/100/1000Base-T Ethernet (RJ-45)
10/100/1000Base-T Ethernet (RJ-45)
75ohm F-connector
A must have for higher bandwidth cable services, especially if your ISP supports DOCSIS 3. Most reviews report it is supported by Comcast, Roadrunner, and Time Warner cable. Call your cable company to ensure modem compatibility.

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

Newegg Coupons
Chase Savings Bonus $125. Possibly targeted, check email
Added on : Monday October 14th 2013 06:00:06 PM
g: 0 Posted By: Niftyone33
Views: 23 Replies: 1 I received an email from chase, possibly targeted, for a signup bonus of $125 for opening a Chase Savings account
"Open a Chase SavingsSM account* with an opening deposit of $10,000 or more in new money and you'll receive $125! "

"IMPORTANT INFORMATION *Service Fee: Chase Savings℠ has no Monthly Service Fee when you do at least one of the following; Option #1: Keep the minimum daily balance in your account at or above $300; 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 Checking℠ or Chase Premier Platinum Checking℠ account. Otherwise a $4 Monthly Service Fee will apply 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. Bonus/Account Information: To receive the bonus: 1) open a Chase Savings℠ account; AND 2) deposit $10,000 or more in new money within 10 business days of account opening. The new money cannot be money held by Chase or its affiliates. After we receive your minimum $10,000 deposit, we'll deposit the bonus into your new account within 10 business days. For a Chase Savings℠ account, the Annual Percentage Yield (APY) for all balances is effective as of 09/30/13 and may change at Chase's discretion. The APY 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. The bonus cannot be used as part of the opening deposit. You can only receive one new savings account-related bonus per calendar year. The offer is not available on account conversions, or in combination with any other offer. The bonus is considered interest and will be reported on IRS Form 1099-INT."

Requires a $10k deposit. However, it looks like you can quickly move that out after receiving your bonus.

Check your spam.

Credit Deals
Site to predict lowest successful bidding on Priceline
Added on : Sunday October 13th 2013 03:00:07 PM
g: 0 Posted By: haojngable
Views: 55 Replies: 0 This is mentioned earlier in my post "A few useful tips on bidding hotels on Priceline.com"

http://www.fullofdeals.com/forums/travel-discussion/1285185/?signe...

And lately I saw a huge number people reporting the usage of this site, bidpricecheck.com, especially on flyertalk forum, which makes me think this site might worth an isolated thread.

So, I would like to ask FWers who might have used this site to contribute some reviews of using such site, or similar.


Travel Packages Deals
Finish dishwasher detergent 100 ct powerball $13.78 Sams clb
Added on : Sunday October 13th 2013 10:00:05 AM
g: 0 Posted By: techgirl123
Views: 92 Replies: 0 saw this today at Sam's Club . Finish powerball tabs dishwasher detergent 100 ct for $13.78. makes it about 14c per load. consumer reports liked this brand.Club membership required to buy
Home & Garden Deals

Sams Club Coupons
Excessive amount owed on revolving accounts... WHAT?
Added on : Sunday October 13th 2013 09:00:05 AM
g: 0 Posted By: junkmail9572
Views: 150 Replies: 1 Just got denied trying to get a Fort Knox FCUcredit card for 5% gasCashBack capability due to Penfed now wanting either $26 yearly feesOR hold hostage some account money.

Anyway I pulled all 3 credit reports for the first time in my life. They are all excellent - no negatives. I have had several card number changes due to requests by the Credit Card companies as they detected fraud by companies I may have done business with (they didn't say who). Also Sallie Mae sold my account to Barclays and that number has changed.

I have also had a few occasions where I have had high balances of over $10,000 in a month but I have always paid in full on time.

My Risk Score New Empirica is 777. I am over 60 and have had a perfect credit history for all of my life andalways pay on time. I own my house and have no mortgage. I co-signed a $20,000 loan for my daughters car that she always paid on time and paid off in 3 years.

Why do I have "excessive amount owed", when I always paid it in full. Can I repair this damage? ....fix the unbroken? How do I fix "no negatives" and "all accounts in good standing"?

Is this just Fort Knox not wanting to give me a 5% gas CashBack card?
Credit Deals
g: 0 Posted By: DaysFan
Views: 191 Replies: 0 http://www.sears.com/

link

Deal expires in 3 days.Kenmore 3.7-cu. ft. washerReg. $1059.99$599.88CLOSEOUT, plus members get $10 back in points*SAVE 43% ON THE PAIRSKU: 02641272
Sears Item# 02641272000 | Model# 41272

plus members get $10 back in points (10,000 points) when you buy the pair. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) to earn Bonus Points. Bonus Points are inclusive of, and not in addition to, any Base Points earned on Qualifying Purchases. When Bonus Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. See www.shopyourwayrewards.com for details. Optional pedestals sold separately. While quantities last.
Kenmore is America's # 1 appliance brand, trusted in the homes of more than 100 million Americans.The Kenmore front-load washer 41272 with Smart Motion Technology delivers superior cleaning, capacity, efficiency and fabric care. Its 3 unique wash motions make it possible to create new wash cycles that behave just the way they should to care for special fabrics.The white Kenmore 4127 is ENERGY STAR qualified, so it saves money and energy while protecting the environment.Read what http://www.consumerreports.org/cro/2013/04/find-the-best-washing-machines/index.htm says about the Kenmore and another brands.

The Kenmore 41272 front-load washing machine uses a powerful but gentle motion technology to get your clothes clean
Smart Motion technology uses 5 different motions to get your clothes clean without damaging delicates
Cold Clean gets your clothes as clean as normal wash cycles while saving energy
Express Wash washes small loads in just 24 minutes
Wash cycles include Permanent Press, Normal, Whites, Delicate, Rinse & Spin, Speed, Heavy Duty, Specialty
5 water temperatures pamper all fabric types
Maximum spin speed of 1200 extracts more water, so cloths dry faster

Kenmore 7.3-cu. ft. dryerReg. $1059.99$599.88CLOSEOUT, plus members get $10 back in points*SAVE 43% on the pairSKU: 02681272
Sears Item# 02681272000 | Model# 81272The Kenmore 81272 electric dryer introduces a stylish, extra-large 7.3 cubic-foot-capacity drum for large and bulky items. This Kenmore electric dryer uses Sensor Dry technology to protect clothes from overdrying. This dual-sensor system automatically detects the moisture content in clothes to apply the right drying temperature and time.The white Kenmore 8127 dryer features an NSF-certified sanitize cycle which eliminates 99.9% of certain bacteria. Set up your own customizable cycle setting with the My Cycle feature. This Kenmore electric dryer also has an Express Dry cycle that can dry a small load in less than 30 minutes, and a Touch-Up option which quickly freshens garments without rewashing.

The Kenmore 81272 electric dryer boasts an extra-large 7.3 cubic feet of capacity for drying large loads and bulky items
Dual-sensor system stops the cycle when clothes are dry, to prevent over-drying
The Touch Up option quickly freshens garments without rewashing
NSF-certified Sanitize cycle eliminates 99.9% of certain bacteria
Express Dry cycle can dry a small load in less than 30 minutes (based on a 3-pound AHAM load)




Appliance Deals

Sears Coupons
Sears.com Kenmore 3.7-cu. ft. washer
Added on : Sunday October 13th 2013 12:00:03 AM
g: 0 Posted By: DaysFan
Views: 12 Replies: 0 http://www.sears.com/

link

Deal expires in 3 days.Kenmore 3.7-cu. ft. washerReg. $1059.99$599.88CLOSEOUT, plus members get $10 back in points*SAVE 43% ON THE PAIRSKU: 02641272
Sears Item# 02641272000 | Model# 41272

plus members get $10 back in points (10,000 points) when you buy the pair. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) to earn Bonus Points. Bonus Points are inclusive of, and not in addition to, any Base Points earned on Qualifying Purchases. When Bonus Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. See www.shopyourwayrewards.com for details. Optional pedestals sold separately. While quantities last.
Kenmore is America's # 1 appliance brand, trusted in the homes of more than 100 million Americans.The Kenmore front-load washer 41272 with Smart Motion Technology delivers superior cleaning, capacity, efficiency and fabric care. Its 3 unique wash motions make it possible to create new wash cycles that behave just the way they should to care for special fabrics.The white Kenmore 4127 is ENERGY STAR qualified, so it saves money and energy while protecting the environment.Read what http://www.consumerreports.org/cro/2013/04/find-the-best-washing-machines/index.htm says about the Kenmore and another brands.

The Kenmore 41272 front-load washing machine uses a powerful but gentle motion technology to get your clothes clean
Smart Motion technology uses 5 different motions to get your clothes clean without damaging delicates
Cold Clean gets your clothes as clean as normal wash cycles while saving energy
Express Wash washes small loads in just 24 minutes
Wash cycles include Permanent Press, Normal, Whites, Delicate, Rinse & Spin, Speed, Heavy Duty, Specialty
5 water temperatures pamper all fabric types
Maximum spin speed of 1200 extracts more water, so cloths dry faster




Appliance Deals
TD Bank $100 bonus for new checking account - targeted
Added on : Saturday October 12th 2013 11:00:05 AM
g: 0 Posted By: protomenace
Views: 98 Replies: 0 I just recently moved into a new apartment. Today I got something in the mail from TD Bank offering $100 to open a new account and make 15 debit card/bill pay transactions in the first 45 days. Their only restriction to avoid monthly fees on the account is a $100 minimum daily balance, so it seems like a pretty quick and easy $100. Here's the fine print:
TD Bank said: Offer is available to new Checking Customers only who receive this mailing. New checking account must be opened between 10/11/2013 and 12/10/2013. TD Student Checking, Commercial Checking, Small Business Checking, Private Banking, Health Savings products not eligible. Existing Checking customers not eligible. Terms and conditions may apply. Cannot be combined with any other offer. Offer expires on 12/10/2013. The 15 qualifying transactions must be made within 45 days of account opening. Qualified online bill Pays are those initiated using www.tdbank.com online banking and do not include payments initiated through other online bankoing sites or direct payments initiated by payee. Please allow 60 days upon completing requirements to receive deposit of $100 into TD Bank Checking account. Account must be open and active to receive deposit. The $100 cash deposit will be reported as interest income to the IRS in the form of a 1099-INT

Doesn't seem to be any 6 month waiting period to close the account like Chase has for their similar offers. I'm not exactly sure what triggered me receiving this mailing. Could have been setting up mail forwarding through USPS, so you might try doing that if you have multiple addresses to work with to see if you get the offer.





Deal Deals
g: 0 Posted By: Solipsist
Views: 128 Replies: 0 I haven't checked out every title here, but Popular Science, Wired, and Better Homes & Gardens look pretty good in the $5 category if you haven't already gotten in on one of their recent deals.

I see Family Handyman in the $10 category, and I think it is a great magazine... but I am not too sure about the $10 price point. I do recommend it as a quality mag, but you may want to wait to see if you can get a better deal on it
$4 or Less Category
Complex (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00) Ebony (1yrs: $4.00, 2yrs: $8.00) Flex (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00) Latina (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00) Maxim (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00, 4yrs: $16.00) Muscle & Fitness (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00) Nylon (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00) Tennis (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00, 4yrs: $16.00) CBS Watch! (1yrs: $1.00) Slam (1yrs: $4.00, 2yrs: $8.00, 3yrs: $12.00, 4yrs: $16.00) 
$5 Category
Allure (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00) Better Homes & Gardens (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00, 4yrs: $20.00) Car and Driver (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00) Entrepreneur (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00, 4yrs: $20.00) Fast Company (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00, 4yrs: $20.00) Men's Journal (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00, 4yrs: $20.00) Road & Track (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00) Shape (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00) Weight Watchers (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00, 4yrs: $20.00) Wired (1yrs: $5.00, 2yrs: $10.00, 3yrs: $15.00) Yoga Journal (1yrs: $5.00, 2yrs: $10.00, 3yrs: $47.91) Popular Science (1yrs: $5.00)   
$10 Category
Family Handyman (1yrs: $10.00, 2yrs: $20.00, 3yrs: $30.00, 4yrs: $40.00) Fit Pregnancy (1yrs: $10.00) Taste of Home (1yrs: $10.00, 2yrs: $20.00, 3yrs: $30.00, 4yrs: $40.00) Vogue (1yrs: $10.00, 2yrs: $20.00, 3yrs: $30.00) Cosmopolitan (1yrs: $10.00, 2yrs: $20.00) The Beer Connoisseur (1yrs: $10.00) Urban Farm (1yrs: $10.00) Macworld (1yrs: $10.00, 2yrs: $20.00) 
$15 Category
Astronomy (1yrs: $15.00) Martha Stewart Living (1yrs: $15.00) Ranger Rick (1yrs: $15.00, 2yrs: $30.00) Thomas & Friends (1yrs: $15.00, 2yrs: $30.00) Wine Enthusiast (1yrs: $15.00, 2yrs: $30.00, 3yrs: $45.00) O, The Oprah Magazine (1yrs: $15.00, 2yrs: $30.00, 3yrs: $45.00) Good Housekeeping Grilling Cookbook (1yrs: $15.00) Fun To Learn Friends (1yrs: $15.00, 2yrs: $30.00) 
$20+ Category
 Consumer Reports (1yrs: $20.00) Consumer Reports On Health (1yrs: $20.00) Forbes (1yrs: $20.00) Games (1yrs: $20.00) The Economist (1yrs: $60.00) The Week (1yrs: $60.00, 2yrs: $120.00) ShopSmart (1yrs: $20.00) Bloomberg BusinessWeek (1yrs: $20.00, 2yrs: $40.00, 3yrs: $60.00) 
Magazines Deals

DiscountMags.com Coupons
Credit Report....does it matter who closes card?
Added on : Saturday October 12th 2013 05:00:10 AM
g: 0 Posted By: kaneohe
Views: 71 Replies: 1 A credit card we have has been inactive. The issuer has sent a letter informing that it will be closed when it expires. We can keep it open by calling or let it expire and be closed by bank or call and ask for it to be closed. For credit report (or other reasons) , does it matter whether the bank closes it (for non-use) or whether we ask for it to be closed?
Credit Deals
Tax on Inherited House
Added on : Saturday October 12th 2013 04:00:07 AM
g: 0 Posted By: linuspb
Views: 39 Replies: 1 I have a question about taxes on the sale of a home inherited from my Mother in Law. Ten years ago Father in Law dies and Mother in Law deeds the family home to three grown children with a life estate for her. She recently passed away and the family is proceeding to sell the house. The amount of the sale is only $50,000 and is going to be split three ways. How do we report the sale to the IRS since we have owned the house for ten years? The house was given to us so I guess our basis in the home will be zero but do we go by the value of the house at the time it was transferred to us which will leave no gain or is it all income. Any ideas will be appreciated.
Personal Finance Deals
Confusion about CLUE report
Added on : Thursday October 10th 2013 01:00:07 PM
g: 0 Posted By: mojoshtudd
Views: 24 Replies: 0 We are in escrow on a house and just got sellers disclosures. They disclosed a slab leak from 3 months ago and provided us with receipt for $950 for work done to repair and re-route pipe.
In the full disclosure, we got a CLUE report that shows a claim for almost $12000 for that same incident. On asking for the explanation, the sellers said that the insurance documentation included tile replacement which they didn't do. The $950 is the only receipt they have.
My question is, how can $12000 show up as claim amount in Clue report if they only spent $950. Is there any plausible explanation?
Also, why would insurance documentation include cost for stuff that they didn't actually do?
Thanks for helping me understand this. Never owned a home before so I don't quite know how these claims work.
Personal Finance Deals
Radio Shack Clearance - Condensed list of good deals
Added on : Wednesday October 09th 2013 04:00:03 PM
g: 1 Posted By: Logan71
Views: 112 Replies: 0 After reading this post, I browsed through 40+ pages of Radio Shack clearance items;I grabbed the ones that seemed unique and a nice discount (I compared to Amazon prices currently) and put together this list. All of them are B&M deals, and there may be other deals in the long list (Apple products, phone cases, etc) that I had no interest in.For my zip code, about 60% were showing In stock at my local store but of course your mileage may vary, depending on where youre located.
Grundig G2 Reporter Radio Model: NG2BAM/FM/SW for $39.98http://www.radioshack.com/product/index.jsp?productId=13084827

Jakks Pacific SpyNet Ultra Night-Vision Device - $11.98http://www.radioshack.com/product/index.jsp?productId=17205326
Celestron Up Close G2 16x32 Roof Binoculars Model: 71235 - $8.98 ($22+ at Amazon)http://www.radioshack.com/product/index.jsp?productId=17090566
Samsung HM1200 Bluetooth Headset for $4.18http://www.radioshack.com/product/index.jsp?productId=17038396
Enercell Battery Organizer with Tester - Model: 997 for $2.98http://www.radioshack.com/product/index.jsp?productId=16120626
Canon PowerShot SX150 IS 14.1MP Digital Camera (Black) for $29.98 ( I wish this one was in stock for me!) http://www.radioshack.com/product/index.jsp?productId=12854221

Targus Brilliance Laptop Backpack - Model: TSB21901US for $5.98http://www.radioshack.com/product/index.jsp?productId=12827404
Toshiba 24SL410U 24" LED-LCD HDTV - Model: 24SL410U for $79.98http://www.radioshack.com/product/index.jsp?productId=12353400
RadioShack Optical to Coaxial Digital Audio Converter - Model: 15-059 for $2.48http://www.radioshack.com/product/index.jsp?productId=12195987
Duracell CopperTop "C" Alkaline Batteries (2-Pack) - $1.18http://www.radioshack.com/product/index.jsp?productId=3795754
12-Ft. Shielded Cable, RCA Plug to Tinned Wires - Model: 42-2372 - $1.49http://www.radioshack.com/product/index.jsp?productId=2103849
If you want to browse the entire list, it begins here:http://www.radioshack.com/family/index.jsp?categoryId=4107045Good luck, and hope I helped someone.!
Electronics Deals

RadioShack Coupons
Buy a KitKat get $5 Google Play Credit
Added on : Wednesday October 09th 2013 04:00:01 PM
g: 0 Posted By: EuroTrash
Views: 0 Replies: 0 With the next version of Android being called KitKat, Google is currently running a promo where you can win prizes by entering in a code found inside of a KitKat wrapper. It's being reported, however, that the first code you redeem will always yield a $5 Google Play credit. I just did this and got my $5 credit instantly (of course I had to pay $0.79 for the candy bar). You can enter in multiple codes to play for a chance at other prizes but that first one is worth $5. You just have to make sure you get a specially marked KitKat with the Android logo on the cover (got mine at Target).

Good luck!

Ripped from SD.
myFICO Quarterly Monitoring -- Worth It?
Added on : Wednesday October 09th 2013 07:00:07 AM
g: 0 Posted By: BigEd
Views: 79 Replies: 3 I'm considering signing up for the quarterly monitoring service provided by myFICO.

http://www.myfico.com/Products/IDF/?cm_sp=productOverview-_-topRight-_-learnFQM

In addition to monitoring my credit reports it also provides identity theft protection.

I would appreciate any thoughts as to whether this service is worth the $49.94 yearly fee.

Thanks in advance.
Personal Finance Deals
g: 0 Posted By: SummerSoFar
Views: 79 Replies: 0 Stolen from November 2013 Kiplinger's mag. May be of interest to some here.
----
http://www.kiplinger.com/article/retirement/T051-C000-S002-free-...
----
Free Social Security Advice for U.S. Veterans
On November 11, our powerful online tool will create personalized financial strategies for U.S. veterans.

To celebrate Veterans Day, Kiplinger's Social Security Solutions will offer recommended claiming strategies free to all U.S. military veterans. "The goal," explains Knight Kiplinger, editor in chief of Kiplinger's Personal Finance magazine, "is to help bolster the financial security of the men and women who have served to protect the security of our nation."

As the youngest Vietnam-era vets approach Social Security decision time, it's important that they understand that when they claim benefits will affect how much they and their spousesif they are marriedwill receive from the program over their lifetime. You may claim benefits as early as age 62 or as late as age 70, and the timing can profoundly affect your monthly payment. If you are due $1,500 a month at full retirement age (currently 66), for example, you would get $1,125 a month if you claim benefits at age 62 but $1,980 monthly if you delay your claim until age 70.

Research by William Meyer, founder of Social Security Solutions, and William Reichenstein, a professor of finance at Baylor University, shows that for a single person who dies at age 80, it makes little difference whether he or she claims Social Security benefits at age 62, age 70 or any age in between. In any case, that person would receive similar total benefits over his or her lifetime. But for anyone who lives past age 80, waiting until age 70 to claim benefits will likely pay off in increased lifetime payments. The timing decision is especially complicated, and potentially far more rewarding, for married couples because some strategies offer opportunities to increase lifetime benefits significantly.

Meyer and Reichenstein have created a software tool that crunches the numbers to create a strategy, based on life-expectancy projections, that will deliver maximum benefits. That's the tool vets can use on November 11. The free-for-a-day program is sponsored by Wells Fargo as part of the bank's efforts to serve members of the military. "Choosing when to take your Social Security benefits is one of the most important financial decisions of your life," notes Karen Wimbish, director of retail retirement at Wells Fargo.

Maximize your benefits. To illustrate the potential rewards of using the tool, Meyer cites the results of an educational program offered to a group of Iowa residents last summer. "The recommended claiming strategies could add an average of more than $170,000 to the lifetime benefits of those who used the tool," Meyer reports. Estimated lifetime benefits were projected to be $27,000 to as much as $305,000 more than the amount recipients would likely collect by simply claiming benefits as soon as possible, at age 62. "We want to make sure veterans don't leave money on the table by making a silly mistake," Meyer says. "Maximizing Social Security and coordinating those benefits with military retirement pay can provide for a much richer retirement."

The tool will be free for veterans from 12:01 a.m. eastern time until midnight Hawaii-Aleutian time on November 11 at http://www.socialsecurityforveterans.com/. To get a personalized claiming strategy in a downloadable report, you'll need to input your "primary insurance amount" (PIA), which is the estimated monthly Social Security benefit you are due at your full retirement age. (You will not be asked for your Social Security number.) If you are age 60 or older, you should receive a statement from the government each year showing your PIA. Otherwise, you can get your benefits statement by visiting http://www.ssa.gov/mystatement and creating a "My Social Security" account.

Nonveterans may purchase personalized claiming strategies at http://kiplinger.socialsecuritysolutions.com/.
Personal Finance Deals
22LR Remington SUBSONIC 38gr HP - $3.99/50rnds -Cabelas
Added on : Sunday October 06th 2013 01:00:05 PM
g: 1 Posted By: presbuteros
Views: 368 Replies: 3 This may only interest those who use subsonic for pest control and have nearby neighbors who complain or even report...

link
Guns & Ammo Deals

Cabela's Coupons
22LR Remington SUBSONIC - $3.99/50rnds -Cabelas
Added on : Sunday October 06th 2013 12:00:08 PM
g: 1 Posted By: presbuteros
Views: 212 Replies: 1 This may only interest those who use subsonic for pest control and have nearby neighbors who complain or even report...

link
Guns & Ammo Deals

Cabela's Coupons
Free Cats, Dogs & Us Educator Resource Kit for teachers
Added on : Sunday October 06th 2013 03:00:10 AM
g: 0 Posted By: remick
Views: 102 Replies: 0 http://www.ifaw.org/united-states/get-involved/register-receive-ifaw-educational-resources?mailid=7101737&ms=&af=&utm_source=SilverpopMailing&utm_medium=email&spMailingID=7101737&spUserID=NjUzNTUyMTk4NjMS1&spJobID=91592390&spReportId=OTE1OTIzOTAS1
Memberships & Services Deals
Farscape: The Complete Series [Blu-ray] (2011) $57.99 FS
Added on : Saturday October 05th 2013 10:00:08 AM
g: 1 Posted By: Cluster
Views: 149 Replies: 0 this Blu Ray setFarscape Blu-Ray deal pops up occasionally and is offered by Amazon for $ 57.99 with free ship......................note there is another Farscape Blu-Ray set at twice the price but I dont know what the difference is....

its been reported that the season 1-3 are fullscreen like the originals not widescreen like season 4 is and it does not include the later "The Peacekeeper Wars"
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: SweetClover
Views: 139 Replies: 1 Take the the survey locatedhere At the end you will be told whether you are getting the sample, but you don't know what until it arrives at your door. Those who don't qualify will get a coupon, but most have been reporting a sample. To increase your chances for a sample, check mostly the "Strongly Agree" and "Agree" boxes.

This was previously posted in this thread, but this is a new offer.
John Frieda US said: Looking for a little pick-me-up to brighten your day? Click here: https://johnfrieda.safeprocessing.com/survey.aspx to get a free sample of John Frieda products! *Quantity limited, offer good while supplies last.


While the offer was posted on FB, it doesn't appear that you must have FB, the link goes to their website, not a FB app.
Health & Beauty Deals
Combining points from Fidelity Amex and Visa
Added on : Friday October 04th 2013 12:00:12 PM
g: 0 Posted By: tjguitar85
Views: 97 Replies: 0 See the archived thread here: http://www.fullofdeals.com/forums/finance/1250262/

I wanted to report that I was able to transfer a random number of points (5476 or whatever) from my fidelity amex account to my fidelity visa account, and then I was able to redeem the whole lot into my Fidelity cash acct.

In the past, one was only able to transfer from one account to the other in increments of 2500, but that restriction was apparently removed.

So now it might make more sense to use these two cards as primary cards, if you can deal with FIA's shoddy customer service and are content with the amount of CashBack received from these cards.
Beware IRS criminal investigations impersonators
Added on : Friday October 04th 2013 02:00:04 AM
g: 0 Posted By: tuphat
Views: 77 Replies: 2 From Tax Analysts/Tax Notes --

Is That Really IRS Criminal Investigations Calling? Maybe Not
by William Hoffman

Though most of the IRS is closed during the government shutdown, it seems some scam artists masquerading as its criminal investigators are still hard at work.

The IRS Criminal Investigation division is aware of media reports and website discussion groups regarding an apparent scam being run from a New York phone number (with a 347 area code), and is asking the Treasury Inspector General for Tax Administration to look into the matter, according to Ed Loomis, CI communications director in Washington.

Asked if there could be a misunderstanding, and if the New York callers actually worked for CI, Loomis said, "I have no reason to believe that the individuals who are saying that they are from IRS CI are from IRS CI, but that's what TIGTA will determine."

TIGTA's media office is closed during the shutdown. The inspector general maintains a toll-free hotline, 1-800-366-4484, on which people who believe they have been contacted by a fake IRS employee can leave a message with their complaints. Loomis said it's unclear who will register or investigate complaints to TIGTA during the shutdown.

Marc Dombrowski, an enrolled agent and owner of Tax Help Associates Inc. in Buffalo, N.Y., said one of his clients advised him of a suspicious call the client had received October 3 from someone presenting himself as being from CI.

Dombrowski called the number, and the phone was answered by an individual identifying himself as Damon Marshall of IRS CI. Dombrowski asked if it was really the IRS. Marshall said yes. Dombrowski pointed out that the IRS is closed for the government shutdown, and Marshall said CI was exempted. When Dombrowski identified himself as an enrolled agent and mentioned the power of attorney he held for his client, Marshall hung up, according to Dombrowski.

"I've been around the block," Dombrowski said. He suspected a scam, he said. "I assume they realized they were not going to get money out of [someone with] a power of attorney, and they hung up. Usually they want to just get along to the next person who will put money into their pockets," he said.

Meanwhile, on a website called 800notes.com, which solicits visitors' reports of phone fraud, three Web pages detail dozens of complaints about the same New York phone number, and the alleged CI scam and "Damon Marshall."

A typical example, posted on September 11 by "Tommy," reads: "Received 3 phone calls this morning from the 'IRS' stating they were from the IRS Investigating Division. . . . [S]poke with a [D]amon Marshall, telling me I owe back taxes and penalties, etc." It continues, "I pointed out to him that the IRS NEVER, ever, NEVER contacts citizens via the phone [and] that they ALWAYS correspond via mail. He then threatened me with the usual throw me in jail, confiscate bank accounts or any other asset, seize all property, etc. Another person left a message on my [answering] machine . . . from the IRS -- 'call back immediately,' 'do not ignore this phone call,' of 'utmost urgency,' etc."

A call from Tax Analysts to the New York phone number was answered by a man identifying himself as Damon Marshall of IRS CI. Asked if he would answer some questions from a reporter, Marshall replied, "What am I going to get in return if I give you all the information? Are you going to pay me something for my interview?" He was informed that Tax Analysts does not pay for interviews. Marshall said, "If you're not paying me anything, then I don't got time. If you pay me something I will give you each and every question's answer."

After again being told that Tax Analysts doesn't pay for interviews, Marshall hung up.
Discussion Deals
Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

All income referenced to is MAGI (which is AGI plus nontaxable Social Security, tax exempt interest, and foreign earned income). Regulations on premium tax credit (with examples)

Making too much money

If you think the phaseout for the tuition and fees credit or earned income tax credit is abrupt, the ACA phaseout is even more so. At 400% Federal Poverty Limit (FPL) the subsidy is completely eliminated and there is no cap on repayment amount.

So if you are trying to get income below 400% FPL in order to qualify you need to make sure that you'll hit that. The only way to adjust MAGI after December 31 is through deductible IRA/HSA contributions but traditional IRA deductions phase out for single/HOH AGI over ~$60k or MFJ over ~$100k. Since 400% FPL is $62k for a 2 person household and $110k for a 5 person household this quickly becomes nonviable. To qualify for HSA you have to use an HDHP - I have heard of some exchanges with HSA compatible Bronze plans in Obamacare, but you have to be eligible for HSA prior to December 1 of the tax year. So you have to reduce income below 12/31 which means the usual - contribute max to 401ks, 457s, and 403bs, tax loss harvest to get the $3000 capital loss deduction, and advance business expenses. This also makes income spiking a better deal - if you know you aren't going to qualify for the subsidy, then you could opt to spike income by taking bonuses/income or deferring expenses one year to stay far above 400% FPL, while managing expenses and deductions to remain below 400% FPL other years. Also since recoveries like state income tax refund is treated above the line it is important to manage those so that they don't send someone intentionally above 400% FPL.

The same considerations are at the break point at 133% FPL, where there is a 2% MAGI to 3% MAGI jump.

One interesting loophole in the regulations is the maximum recapture limit on the credit, which can have interesting impacts depending on how you estimate your income. Lower income means more subsidies AND access to special Silver plans that have reduced cost sharing. So for instance a single 60 year old declaring $20,000 in annual income (175% FPL) in LA County gets a $470 monthly subsidy for a "Silver 87" plan with a $2250 out of pocket cap. At the end of the year, they really had a $45,000 MAGI (390% FPL). Normally a $45,000 MAGI qualifies for a "Silver 70" plan with a $6350 OOP cap and a $199 monthly subsidy. Now let's say they got the subsidy for 12 months. The maximum recapture limitation (regulations 1.36B-4-a-3) is $1,250 for the year. But the actual "unearned" subsidy for the year is $3,252, and this for a better plan with a $4100 lower out of pocket cap. Thus, $2,002 (the unearned subsidy above $1,250) is now written off, and up to $4,100 in OOP are never incurred. Just make sure you stay below 400% FPL or else you will have to pay the whole subsidy back (although presumably not the out of pocket cost).

Generally, due to time value of money, if you can afford to repay the credit should you estimate wrong, you should do so, since those credits only need to be repaid April 15 after the year that you receive the advance credits. I can't tell if you have to pay estimated tax penalty on advance credit repayments, but most people should avoid them anyway due to the 100% of prior year tax safe harbor rule.

There are better articles that go into the farce of the "estimation" process for ACA subsidies. Still, even without fraud, one could have honest reasons not to report changes in income - perhaps the job is temporary or unstable and you want to wait until it is stable before reporting the change in income. Regardless, you take advantage of the recapture cap.

For those who want to take advantage of the subsidy this makes the usual advice to do Traditional to Roth conversions in low income periods questionable as Roth conversions are in MAGI. While this may not be an issue for higher income or younger people (a 30 or 40 year old making 390% FPL gets no subsidy anyway in CA since the Silver plan is deemed affordable as a share of MAGI), that 40 year old making $20,000 in odd jobs and unemployment gained $2,112 in subsidy. Is it worth it to convert $25,000 in the 401k to Roth to fill the 15% tax bracket (the normal advice), and lose that $2,112, which is in effect another 8% tax on the conversion?

Making too little money

First, for states without Medicaid expansion, for those below 100% FPL who can control their income, the obvious answer is to get more income. Sell and immediately rebuy winning investments to reset basis and create capital gains (which may also qualify for 0% LTCG), move tax inefficient investments to taxable, do 401k/Traditional IRA conversions, get a job, gamble and report your winnings honestly, sell things and report the income with zero basis on the items sold (since you have no documentation proving the acquisition cost), etc.

But what if you didn't have to do that?

From a Bogleheads thread (where I was admonished not to "game the system"):

My reading of the regulations states that, as long as you estimate at the time of enrollment that your MAGI is between 100% and 400% of FPL, that you are still eligible for subsidies, even though your actual income falls below 100% of FPL. This could happen, for instance, if one lost their job in the middle of the year, which takes them below 100% of FPL. Even if they had to pay back subsidies, an additional provision in regulations limits that to $300 for singles, and $600 for other taxpayers.

1.36B2 Eligibility for premium taxcredit.

[...]
(b) Applicable taxpayer(1) Ingeneral. Except as otherwise providedin this paragraph (b), an applicabletaxpayer is a taxpayer whose householdincome is at least 100 percent but notmore than 400 percent of the Federalpoverty line for the taxpayers familysize for the taxable year.
[...]
(6) Special rule for taxpayers withhousehold income below 100 percent ofthe Federal poverty line for the taxableyear. A taxpayer (other than a taxpayerdescribed in paragraph (b)(5) of thissection) whose household income for ataxable year is less than 100 percent ofthe Federal poverty line for thetaxpayers family size is treated as anapplicable taxpayer if
(i) The taxpayer or a family memberenrolls in a qualified health planthrough an Exchange;
(ii) An Exchange estimates at the timeof enrollment that the taxpayershousehold income will be between 100and 400 percent of the Federal povertyline for the taxable year;
(iii) Advance credit payments areauthorized and paid for one or moremonths during the taxable year; and
(iv) The taxpayer would be anapplicable taxpayer if the taxpayershousehold income for the taxable yearwas between 100 and 400 percent of theFederal poverty line for the taxpayersfamily size.

(7) Computation of premiumassistance amounts for taxpayers withhousehold income below 100 percent ofthe Federal poverty line. If a taxpayer istreated as an applicable taxpayer underparagraph (b)(5) or (b)(6) of this section,the taxpayers actual household incomefor the taxable year is used to computethe premium assistance amounts under 1.36B3(d).

1.36B3 Computing the premiumassistance credit amount.

[...]
(d) Premium assistance amount. Thepremium assistance amount for acoverage month is the lesser of
(1) The premiums for the month forone or more qualified health plans inwhich a taxpayer or a member of thetaxpayers family enrolls; or
(2) The excess of the adjustedmonthly premium for the applicablebenchmark plan over 1/12 of theproduct of a taxpayers householdincome and the applicable percentage
for the taxable year.

That "applicable percentage" is defined in 1.36B-3(g) and is 2.0% of household income (MAGI) for those under 200% of FPL.

Also, for those making under 400%, a "repayment" clause applies further limiting the actual tax subsidy repayment for those under 200% FPL to $300 for singles, $600 for all other taxpayers.

1.36B4 Reconciling the premium taxcredit with advance credit payments.
(a) Reconciliation
(1) Coordinationof premium tax credit with advance
credit payments
(i) In general. Ataxpayer must reconcile the amount ofcredit allowed under section 36B withadvance credit payments on thetaxpayers income tax return for ataxable year. A taxpayer whosepremium tax credit for the taxable yearexceeds the taxpayers advance creditpayments may receive the excess as anincome tax refund. A taxpayer whoseadvance credit payments for the taxableyear exceed the taxpayers premium taxcredit owes the excess as an additionalincome tax liability.

(3) Limitation on additional tax(i)In general. The additional tax imposedunder paragraph (a)(1) of this section ona taxpayer whose household income isless than 400 percent of the Federalpoverty line is limited to the amountsprovided in the table in paragraph(a)(3)(ii) of this section (or successortables). For taxable years beginning afterDecember 31, 2014, the limitationamounts may be adjusted in publishedguidance, see 601.601(d)(2) of thischapter, to reflect changes in theconsumer price index.

This refers to a table which shows the maximum subsidy repayment for single taxpayers ("determined under section 1(c)") with MAGI under 200% FPL at $300, or $600 for other taxpayers.

So for sub poverty level in non-Medicaid expansion states the answer is clear - be more optimistic in declaring income. Note that the exchanges do check reduction in income (to qualify for more subsidy) but don't check increase in income (and, even if this were the case, one paycheck from a seasonal job can be extrapolated for the year). For the super honest, Bogleheads had an interesting tactic of prepaying state estimated tax in the previous year and itemizing (taking care to pay more than the standard deduction normally received), and then receiving the entire state tax refund as income, thus generating enough MAGI to go above 100% FPL. An alternative way is to declare cash income from self employment, as described in this great Forbes article (which includes other loopholes and outright frauds).

Unfortunately, this will help dull some of the movement complaining about the "donut hole" in coveragesince some advocacy groups are already publicly encouraging people to be optimistic.

In Medicaid expansion states, there will be those at the low end that want to avoid Medicaid, since the exchanges may offer more choice. Unfortunately premium credits are not available to those who are eligible for Medicaid (called "government sponsored minimum essential coverage"). Therefore, people will cycle in and out of Medicaid and the exchange depending on income. But, there is a minimum three months grace period to application date, never mind actual receipt of Medicaid. Even if you were ultimately ineligible you are still subject to the subsidy recapture cap.

Under the final regulations,an individual who fails to complete therequirements necessary to receivebenefits available under a government sponsoredprogram by the last day of thethird full calendar month following theevent that establishes eligibility istreated as eligible for the coverage onthe first day of the fourth calendarmonth. Because an individual whotimely completes the necessaryrequirements is treated as eligible forgovernment-sponsored minimumessential coverage no earlier than thefirst month that the individual mayreceive benefits, this 3-month timeperiod does not include the time neededfor a government agency to process anapplication.

See also Example 6 under 1.36B-4. Although it uses employer coverage as an example, it calculates how much needs to be repaid and states that it is subject to the cap. So if you are below 133% of FPL in a Medicaid eligible state, then file the paperwork on the last day of the third month after you become eligible for Medicaid. (But how do you know you are eligible if you can control your income at will? That would be based on the Medicaid regulations for eligibility.)This also works great for people who originally qualify for the exchange but then work for an employer with unaffordable or undesirable coverage, but coverage that still meets Obamacare's minimum requirements. An example would be an unemployed person who has exchange insurance but then gets a job which only offers a Obamacare-qualified captive HMO as its coverage option. They don't want to switch doctors, but they never notify the exchange of their employment. They are subject to the annual recapture cap, at least until the exchange recertifies (at which point the person would then perjuring themselves by signing the certification that they have no qualified coverage).

The married filing separately vs. jointly calculations are even more interesting but that is an exercise left to the reader.





Discussion Deals
Another Auto Accident/Insurance Question - On Work Property
Added on : Thursday October 03rd 2013 05:00:09 AM
g: 0 Posted By: Mr0ffic3r
Views: 140 Replies: 3 My Mother recently got into a fender bender, at work, employers parking lot. A co-worker backed into the side of her car. Firm has about 400 employees. This is in Florida.

Being that it was pouring rain, they both agreed to "talk about it" the next day. No cops were called. My mother figured since she works with this guy, and there were 5 witnesses, she didn't want to cause a scene by calling the cops in the pouring rain for an accident where no one was hurt.

She went to talk to the guy the next day, and she asked to get his insurance info. He refused and said it was her fault. (Her car was not moving; guys rear bumper scraped the entire side of my moms car.) My mother was flabbergasted and called me for advice. I told her to call the cops so they can come out, look at the damage, and get the guy to share his insurance info. The cops said that because the accident happened in the past, she can only fill out an accident form and send it to the state. She did that, it's been over 2 weeks, nothing heard back yet.

Also told my mom to get her insurance involved, since that seems to be the general FWF advice. She has the guys name, number, place of employment (duh), witness, pictures, license plate into, the form she sent to the state (accident report), etc... Our Insurance says they cannot get the guy's insurance info. He wont pick-up their phone calls either. He has been avoiding everyone at work as well, no socialization at all since the accident. This is an older guy around 70 years old that drives (get ready) a FWF favorite Crown Vic automobile. My mom went to inquire with HR/Management to see if anything can be done (figured itd be worth a shot since it happened at work, on work property) but all they did is talk to the guy to share his insurance info, but again he refused. I had my mom get some estimates and its about $2k-$2.5k worth of damage ($500 deductible) if we end up going through our insurance to get it repaired.

Any suggestions before I recommend she just get it fixed via her insurance and consider this a lesson to ALWAYS call the cops?
Personal Finance Deals
Targeted US Airways Mileage Redemption Rebates (10-50%)
Added on : Wednesday October 02nd 2013 04:00:07 AM
g: 0 Posted By: WideOpenSpaces
Views: 12 Replies: 0 In addition to the lucrative deal to purchase US Airways Dividend miles with a 100% match, US Airways credit card holders are being targeted for an offer to rebate 50% of the miles you spend on redemption for travel through March 31, 2014.

We currently have 3 open US Airways cards, and were only targeted on one card with a 10% rebate. However, there are lots of other people that are reporting getting emailed with a 25-50% rebate. Note, there is a max 30k mile rebate and you need to spend at least 20k miles.

Why is this important? As a US Airways card holder, we already receive a 5,000 mile reduction on mileage redemptions. Therefore, this promotion stacks with your already reduction in the amount of points required. I just ran a sample itinerary from CLE-DUB in January for two people, and it comes to only $105 and 15,000 miles per person RT, which is a steal! Those with the 50% promo have some incredibly opportunities with this offer. Sadly, I'll be grounded with my lowly 10% offer.

Terms (bolding and italics added by me):
Offer is valid for select US Airways Dividend Miles MasterCard cardmembers and is not transferable. You will receive 10% (or 25-50% depending on what you were targeted) of all miles redeemed during the promotional period back in your Dividend Miles account, for a maximum bonus of 30,000 bonus miles. You must redeem a minimum of 20,000 miles for award travel between October 1, 2013 and November 30, 2013 for travel completed before March 31, 2014. Award travel on US Airways, US Airways Express and any other partner airlines qualify for bonus. Miles used for mileage upgrades also qualify. If you do not redeem at least 20,000 miles you will not be eligible for this offer. Miles must be redeemed from eligible primary cardmember's Dividend Miles account in order to receive bonus. Your US Airways Dividend Miles MasterCard account must be in good standing. Miles used during periods when your account is delinquent, your balance exceeds your credit line or your account is otherwise not in good standing as defined in your Credit Card Cardmember Agreement do not qualify for this offer. Your 10%(or 25-50% depending on what you were targeted) miles back award will appear on your Dividend Miles account 3-4 weeks after travel has been completed. Offer expires November 30, 2013. Travel must be completed before March 31, 2014. Bonus miles do not count towards Preferred status.
Discussion Deals
g: 0 Posted By: wzbus
Views: 159 Replies: 0 You can earn $25after you open and fund
a new CitibankDay-to-Day Savings Account.Here is how to earn a $25 cash bonus:
Enroll in this promotion Open and fund a new Day-to-Day Savings Account with a $100 minimum opening deposit between 9/2/13 and 10/31/13 Keep at least $100 in your new savings account for 7 days thereafter*.
Opena Day-to-Day Savings Account to qualify for the $25 cash bonus.To enroll in person or by phone,visit a branchor call866-422-0321and mention promo codeCSY4toget details.*To qualify for the $25 cash bonus, you must enroll in this promotion by visiting a branch and asking a Citibank Representative, calling CitiPhone Banking=9pxand mentioning code CSY4, through the offer email or Citibank online banner. You must open a new Day-to-Day Savings Account with a minimum opening deposit of $100 between 9/2/13 and 10/31/13. A minimum balance of at least $100 is required to be maintained in the new Day-to-Day Savings Account for at least seven (7) days immediately following the date that the minimum opening deposit of $100 is made. The $25 cash bonus will be credited to your new Day-to-Day Savings Account within 90 days after satisfying all the terms of this offer. The Annual Percentage Yield (APY) as of 8/27/13 for a Day-to-Day Savings account opened in branches in NY, NJ, CT, MA, PA, DE, TX, IL, FL, DC, MD, VA, CA, NV was 0.01% for all balances. Rates are variable and subject to change without notice after account opening. Fees may reduce account earnings.You must have a Citibank=9pxChecking account to qualify for this offer. Offer can be modified or withdrawn at any time without notice and expires 10/31/13. This offer is only available to Citi checking account customers who receive this communication and cannot be combined with any other offer in the same promotion period. Reward limited to one per customer and account only. You must be at least 18 years of age to qualify for this promotion. Offer is limited to customer who has a valid U.S. taxpayer identification number.Important tax information: The value of the cash bonus will be reported to the IRS as interest in the year received on Form 1099-INT, as required by applicable law. You are responsible for any taxes.Consumer accounts only. Deposits are subject to Citibank's standard funds available schedule. Each Depositor is FDIC insured up to applicable limits. All accounts are subject to approval and applicable terms and fees. Your Citibank checking account and the Day-to-Day Savings Account must be open and in good standing at the time the bonus is credited to the savings account.Terms, conditions and fees for accounts, products, programs and services are subject to change.
Deposits Deals
Affordable Care Act penalty-tax avoidance
Added on : Tuesday October 01st 2013 08:00:12 AM
g: -1 Posted By: okwiater
Views: 225 Replies: 15 There are some other threads already about the Affordable Care Act (aka ObamaCare) specifically as it relates to healthcare premiums. However, the purpose of this thread is toexclusivelydiscuss strategies and considerations for avoidance of the penalty-tax that will be imposed for not complying with the new law. As someone who is facing monthly insurance premium increases from $483/month to over $1,200/month and a deductible increase from $5,000/year to $12,700/year, I am seriously considering not enrolling in a qualified health plan (QHP), incurring the penalty-tax, and simply managing my withholdings so as not to ever pay it.

My understanding is that the IRS's enforcement options are limited, as they can only withhold any amounts owed from future refunds. However, as we all know, refunds from the IRS are something we should be working to minimize or avoid altogether since they are essentially an interest-free loan to the government. Because of this, I am of the mindset that a diligent taxpayer could avoid the new mandate altogether by simply paying extra attention to the level of withholdings, and employing certain tax-generating strategies in the event that the taxpayer is over-withheld at the end of the year.

The strategy under consideration:

1. Manage my withholdings so that they barely exceed 90% of the total tax owed, so as to avoid any penalty for under-withholding. I will owe a check to the IRS at the end of the year.
2. In case I find myself with a larger-than-expected balance due, convert traditional 401(k) and IRA balancesto Roth, generating taxes that cancel out the balance.
3. Carefully monitor legislation that may affect IRS withholding options.

This strategy comes with risks, of course. For example, there is no way of knowing whether or not the penalty-taxes incurred during each year will ever be waived at some point in the future. It's also possible that the IRS will at some point in the future be granted increased powers to collect ACA-related balances due, perhaps even through liens or asset seizures. These powers may even be granted retroactively to any accumulated balances due. There may also be other implications, such as whether these balances would appear on a credit report or whether they need to be reported as a serious delinquency on job applications or other government forms.

Any feedback, thoughts, advice, or other considerations?
General Economics Deals
g: 0 Posted By: DaysFan
Views: 78 Replies: 0 s t a p l e s

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Healthy Living Magazine Sale: From $3.50/year @ DiscountMags.com
Added on : Saturday September 28th 2013 01:00:01 AM
g: 0 Posted By: erohrer
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g: 1 Posted By: Cheapstuffs
Views: 1358 Replies: 0 Ninja NJ600 XL 3-Speed 1000 Watt Master Prep Professional Blender

See price in cart for $79.99 and Free shipping

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getting threatened by out of state party for posting factual review
Added on : Thursday September 26th 2013 04:00:11 AM
g: 0 Posted By: fatwalletsforall
Views: 130 Replies: 3 I am curious if anyone had been involved or threatened to be sued by a business for posting a review. I have posted some factual content about a faulty item that I bought with a warranty that was not honored. I put it on rip off report, Yelp, google + and dex and now they insist I remove my posts or sue. Just curios if they have to come to my state to proceed which I doubt they will and will they have a case that they can proceed with. Thanks for any suggestions or thoughts

Discalimer: nothing here is legal advice all discussion in this thread is opinion
Personal Finance Deals
Successfully disputing a CLUE report error
Added on : Thursday September 26th 2013 02:00:06 AM
g: 0 Posted By: BostonOne
Views: 49 Replies: 0 I typically shop around for auto insurance at renewal time. This year, I got a notice stating that my rate was affected by my auto CLUE report and I requested a copy. A not-at-fault accident was listed as at-fault ($0 payout from my insurance). I called the number provided by LexisNexis and disputed the classification. They said it could take up to 30 days to process. My renewal date was about 10 days away so I called Liberty Mutual to see if they could correct it from their end faster. The CSR said that there was nothing they could do to make it happen faster and the only route to correcting it was through LexisNexis.

I was insistent that there was something they could do because it was their mistake. I eventually got the name/extension of the person who processed that claim and called them during business hours. They said it was a mistake which they could correct. They also said that even though it was listed as at-fault, it didn't affect my premium since it was a $0 payout (not sure if this is true of all insurers, but 2 of them told me this). About three weeks later, I got a letter from LexisNexis saying the dispute had been resolved in my favor.
Discussion Deals
Consumer Reports online - 1yr/$15 2yr/25 - New customers - Groupon
Added on : Wednesday September 25th 2013 05:00:06 PM
g: 5 Posted By: lucidpe
Views: 1008 Replies: 2 Consumer Reports online throughGroupon- 1yr/$15 2yr/25 - New customers only

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Blue Hawk 5 gallon stainless steel shop vac $8 Lowes B&M YMMV
Added on : Wednesday September 25th 2013 05:00:05 PM
g: 13 Posted By: freakinout
Views: 2360 Replies: 18 Just picked this up for $20.80 @ Lowes store in MD

Sku 461678. Was $79.99

ETA: Updated title as somehave reported finding as low as $7.68


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g: 0 Posted By: Cheapstuffs
Views: 305 Replies: 0 Ninja NJ600 XL 3-Speed 1000 Watt Master Prep Professional Blender

See price in cart for $79.99. Use 10% code SAVE10SEP25Z for $8 off = $71.99 and Free shipping

NewEgg Linky

$89 at WalMart
$99 at Amazon
$99 at Macy's

Consumer Reports article from ABC Jul. 10,2013 ABC Linky
Appliance Deals

Newegg Coupons
Should I take any recourse on a car dealer?
Added on : Wednesday September 25th 2013 05:00:18 AM
g: 0 Posted By: kubakj
Views: 154 Replies: 5 Over year ago I bought brand new car from a Lexus dealer. Car was new, inspected and no visible scratches whatsoever (of course they washed a car before my look at a car). I've decided to trade in recently and upon checking car history at lexus website in maintenance records I see 2 records of scratches reported on a day of a delivery of the car. I was of course not told about it and also in 'we owe' documents was nothing declared that car has any scratches/dents. This lowers value of my car as anyone who checks it says car has scratches/dents.

I feel like they cheated me and never mentioned anything, but left a trace in maintenance records.

Should I know about it I would renegotiate amount. Is there any recourse I could take against them? I don't use this dealer as they are too far from me.
Personal Finance Deals
Consumer Reports online - 1yr/$15 2yr/25 - New customers
Added on : Wednesday September 25th 2013 04:00:04 AM
g: 0 Posted By: lucidpe
Views: 183 Replies: 0 Consumer Reports online throughGroupon- 1yr/$15 2yr/25 - New customers only

Groupon link
Services Deals

Groupon Coupons
Free DNT TXT N DRV sticker
Added on : Tuesday September 24th 2013 06:00:09 AM
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.hupy.com/reports/don-t-text-and-drive-bumper-sticker.cfm
Totally Free Deals
Southwest Point Devaluation
Added on : Monday September 23rd 2013 02:00:11 PM
g: 0 Posted By: makinbutter
Views: 48 Replies: 0 Probably has been reported elsewhere, but I didn't find it immediately available.

Here's the email I just received:
SW email said: Dear MB: We want to inform you of an upcoming change to the Rapid Rewards Program that will affect the number of points needed for reward travel. Wanna Get Away reward flight bookings made on or after March 31, 2014 will require 70 points per dollar. This is an increase from the 60 points per dollar currently required. Anytime and Business Select reward flight redemption rates, as well as the points per dollar you earn when flying, will remain the same as they are today. Rest assured, Rapid Rewards will continue to provide industry-leading benefits that you enjoy todayincluding unlimited reward seats, no blackout dates, and points that don't expire*. We hope you understand that in order to continue providing these benefits, we must make changes to the Rapid Rewards Program from time to time. Thank you for your continued loyalty, and for more information about redeeming points, please visit southwest.com/redeem. Sincerely, Southwest



Personal Finance Deals
Verizon iPhone Upgrade Fraud at Walmart
Added on : Monday September 23rd 2013 02:00:11 PM
g: 0 Posted By: anonguy
Views: 87 Replies: 0 Not sure if this is the proper forum, but figure it might be of interest. This morning my wife's Verizon phone wasn't working. She shares one of those friends and family plans with her sister, so we just figured there must have been a problem with the overall account. But it turns out her phone, as well as her niece's, had been deactivated because both of them were "upgraded" to new iPhone 5s at a WalMart in West Hills, CA yesterday at 5 pm. As a T-Mobile prepaid user I'm not exactly a pro on the whole upgrade process, but how the heck does a stranger pop into a WalMart and walk out with a pair of new iPhones on someone else's account? For chrissakes, we aren't even in the same state. Wouldn't one need a form of ID, password or the old phones to do this?

Verizon has told the sister to file a police report and to watch her bill next month as, I'm assuming, some charges could pop up. But I would think WalMart would need to be involved somehow (at least for possible security tape). I am, though, curious as to how the scam is played out. Wouldn't they have had to pay something at WalMart for the phones, although I guess that could be in cash or a stolen CC. I'm guessing since Verizon is now aware of it wouldn't the new iPhones be disabled somehow? Or could they be flashed to avoid that fate or were these always slated to be dumped on some poor Craigslister?

Personal Finance Deals
g: 1 Posted By: remick
Views: 779 Replies: 5 http://www.amazon.com/United-States-Survive-Until-ebook/dp/B00DUE2IUS


Is the United States heading towards political divorce? Does it have anything to do with Americans forgetting God and as a result forgetting their own true foundational identity? Read this leaked Chinese Government Intelligence report to find out!
Books & Magazines Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/United-States-Survive-Until-ebook/dp/B00DUE2IUS


Is the United States heading towards political divorce? Does it have anything to do with Americans forgetting God and as a result forgetting their own true foundational identity? Read this leaked Chinese Government Intelligence report to find out!
Books & Magazines Deals
g: -1 Posted By: URDeal
Views: 309 Replies: 0 Linky:http://www.amazon.com/Standing-Out-SEO-Collection-ebook/dp/B00COGYQO4/Book DescriptionPublication Date:April 27, 2013A brand new collection of practical, up-to-the-minute SEO advice from one of the worlds leading experts, now in a convenient e-format, at a great price!4 authoritative books teach you everything you need to know to drive maximum value from search engine optimization and get the high-profit traffic you need!In an era where everyone searches the web first, effective search engine optimization is indispensable. But SEO changes constantly, and the field is rife with confusion and mystification. Now, top SEO expert Melanie Mitchell explains all you need to know to succeed with SEO right now, whether youre doing it yourself or working with pros. InUnderstanding SEO: Building a Foundation for Long Term Success,Mitchell helps you grab value from low hanging fruit, and start optimizing pages, text, keywords, images, even HTML code. Learn how to craft a strategy that reflects your specific goals go beyond rankings to measure engagement quality and sales conversions structure sites that are friendlier to both searchers and search engines earn the honest external links that search algorithms love. Next, inUnleash the Power of Paid Search,Mitchell brings together complete processes, knowledge, and tools for running outstanding paid search campaigns. Mitchell explains how well-crafted paid search can help you lead the conversation, extend and deepen your coverage, and more precisely target and measure your marketing. Next, she guides you through defining goals and objectives, selecting keywords and match types, structuring accounts, scoring quality, managing ad copy, optimizing landing pages, monitoring, reporting, and more. InSEO & PPC: Better Together,Mitchell helps you integrate SEO with pay-per-click (PPC) to achieve better results than either can deliver alone. Learn how to create more engaging SEO and PPC campaigns, and use data from both to improve the performance of each. Compare paid and organic search marketing pathways, understanding their applications, overlaps, differences, strengths, weaknesses, and tradeoffs. Next, learn how paid search data can help you set SEO priorities, and understand what content to optimize or build based on actual ROI rather than indirect traffic estimates. Finally, inIn-House SEO,Mitchell helps you take charge of SEO in your organization. Learn how to align your organization departmentally, politically and culturally around winning in search get executive buy-in clarify where you stand and what you can realistically achieve build and train your SEO team, establish standards and provide tools accurately measure and track your progress continually optimize your effectiveness.These in-the-trenches SEO guides are 100% realistic and completely up to date: packed with practical, actionable insights. Theyll help you focus your time, resources, and budgets, and optimize the business value of every page and campaign!From world-renowned search engine optimization expertMelanie Mitchell
Books Deals

Amazon Coupons
Banks for gnu linux users
Added on : Sunday September 22nd 2013 11:00:05 AM
g: 0 Posted By: nerdyN3rd
Views: 0 Replies: 0 I have to change banks, as my current bank broke their site, then said in response to the bug report "we only support IE" followed by "check your security settings to make sure they are no higher than medium and deactivate pop-up blockers and/or firewalls."

I came across this analysis of banks and gnu browsers. It's a noble effort, but needs a resurrection because the information is outdated. What bank is good? It's disappointing that no american banks on that page are known to work with elinks. The banks that work with elinks are what I consider high availability banks, and very likely to be tolerant of the broadest range of browsers, without the upgrade shenanigans of putting users on a version chase.

I'm also after a bill pay service with a competently designed interface, if anyone knows of one.
Crucial M500 2.5in 960GB SATA 6BPS 7MM Internal SSD at B&H.com $549.99 FS
Added on : Saturday September 21st 2013 04:00:08 PM
g: 0 Posted By: iLetTheDogsOut
Views: 184 Replies: 0 Crucial M500 CT960M500SSD1 2.5in 960GB SATA 6BPS 7MM Internal Solid State Drive (SSD)
http://www.bhphotovideo.com/bnh/controller/home?O=&sku=937922&is...

Capacity (Unformatted):960GB
Interface:SATA 6Gb/s (SATA 3GB/s compatible)
Sustained Sequential Read up to (128k transfer):500MB/s
Sustained Sequential Write up to (128k transfer):400MB/s
Random Read up to (4k transfer):80,000 IOPS
Random Write up to (4k transfer):80,000 IOPS
Form Factor:2.5-inch
NAND:20nm Micron MLC NND
Life Expectancy:1.2 million hours mean time to failure (MTTF)
Endurance:72TB total bytes written (TBW), equal to 40GB per day for 5 years
Operating Temperature:0C to 70C
Compliance:RoHS, CE, FCC, UL, BSMI, C-TICK, KCC RRL, W.E.E.E., TUV VCCI, IC
Firmware:Field upgradable firmware
Product Health Monitoring:Self-Monitoring, Analysis and Reporting Technology (SMART) commands
SSD Deals

B&H Photo & Video Coupons
Financial Institutions - Unauthorized Credit Hard Pulls - Damages
Added on : Friday September 20th 2013 02:00:08 PM
g: 0 Posted By: IrateConsumer
Views: 92 Replies: 1 Unless it is authorized, a financial institution you've deposited funds into, can't do a hard pull on your credit. A "hard pull" is a defined as an inquiry into someone's credit that will get listed on their credit report. It reduces the credit holder's credit score.

I deposited a large sum of money into a credit union account over a year ago. In going over my credit report a few months ago - my mortgage broker noticed two separate hard pulls on my credit instituted by my credit union.

A credit union employee said they were privileged to pull a hard report when I opened my account. However, on my credit report, the reason for the hard pulls was listed as either "real property" or "real estate." I cried foul, and was about to close my account. I had never authorized my credit union to do a hard pull on my credit. Nor, had I applied for or even inquired about a mortgage.

The two hard pulls affected my credit score - about a 10 point drop, not so horrible. However, the reporting of the hard pulls on my credit report had a pretty deleterious effect. My mortgage broker said a few financial institutions would not consider refinancing my mortgage at a lower rate, since it looked like I was turned down for refinancing at my credit union.

The credit union ultimately admitted they did the hard pulls without my permission and for a reason they could not explain; probably to qualify me for some financial product they were offering. The credit union asked Experian to remove the hard pulls, it took a while, but they were removed. The credit union was pretty bristly about the issue - and not very apologetic.

I am pretty sure there are statutory penalties for a financial institution spontaneously doing a hard pull on credit absent authorization or a valid legal reason. However, I am having trouble locating the cite and penalty amounts. Does anyone on FW, know them? Also has anyone else on FW had a similar experience?




Credit Deals
Magazines.com 52% CB via Ebates Daily Double 9/20/13 only
Added on : Friday September 20th 2013 02:00:02 PM
g: 0 Posted By: giantsfan2
Views: 20 Replies: 0 The occasional Magazines.com Ebates 52% CashBack sale is the cheapest way I've found to get magazines that don't offer discounted subscription prices such as Consumer Reports and Time. I use magazinepricesearch.com to check if a particular magazine is offered at a discount since Magazines.com usually only offers subscriptions at full price before the CashBack.

Note that the subscription is set to auto-renew by default. However, you can go to the Subscriptions area in your account and easily set the subscription to Manual Renewal. If you have no subscriptions set to auto-renew, then you can delete the stored credit card information that's in your account.

http://www.ebates.com/promotions/dailydouble/index.htm

Magazines Deals

Magazines.com Coupons
FREE shipping @ Cabela's AMMO too! 383REWARDS
Added on : Friday September 20th 2013 10:00:03 AM
g: 1 Posted By: jjmIII
Views: 58 Replies: 0 FREE shipping @ Cabela's - AMMO too!

Code: 383REWARDS

No minimum, must be a rewards member http://www.cabelas.com/custserv/custserv.jsp?pageName=rewardshome&WTz_l=Footer

Buyers on another site report code working w/o rewards sign up.

Fair 9mm deal: http://www.cabelas.com/product/706337.uts?avad=48247_c4ff98d3&WT.mc_id=al35987&rid=12&WT.tsrc=AFF
Sports & Outdoors Deals

Cabela's Coupons
g: 0 Posted By: MISTERCHEAP
Views: 237 Replies: 0 http://www.tigerdirect.com/applications/searchtools/item-details...

$99.99 - $60 rebate [highspeedbackbone.net] - $20 rebate [highspeedbackbone.net]= $19.99

Econo Shipping is $4.30 to the West Coast

Limit (1) per household
TD Rebate valid 9/1/13 - 9/30/13
Buffalo Rebate valid 9/20/13 - 9/30/13

Make sure you haven't completed the Total Defense bundle rebate already this month.
Its offer TD9-10033

NOTE: The Total Defense rebate requires that the software must be activated prior to rebate redemption. Activation will require a valid credit card however your subscription may be cancelled at anytime. Total Defense will verify that the product has been activated. (See Wiki for Additional Details)
NOTE: The Total Defense rebate requires that the software must be activated prior to rebate redemption. Activation will require a valid credit card however your subscription may be cancelled at anytime. Total Defense will verify that the product has been activated. (See Wiki for Additional Details)

For the $60 rebate:

Activation is required prior to rebate redemption. This will require a valid credit card. A one-year subscription is included so this will not cost extra if you cancel the automatic renewal service.1.Activate online [totaldefense.com] or by installing. You card will not be charged but there will be a $1 authorization. During this process you will sign up for their automatic renewal service.
2.Use the link on your account page to "Cancel Automatic Renewal Service" [totaldefense.com]. Doing this will not impact your rebate. You may receive an error if you try to cancel immediately after activation; try again in 10 minutes. (Several users [including me] have had issues when trying to cancel with Internet Explorer. If the "Processing Request" message hangs for more than a few seconds, try another browser such as FireFox [which worked for me and another user])
3.Submit rebate◦Double check your activation code when filling out the registration form. They only check the length at this point and a typo may cause your rebate to be denied.
◦Submit your invoice, not packing slip, order confirmation, or the order status page. Your invoice will be available the morning after shipment by following the view invoice link in your order history.
◦"Proof of purchase of Qualifying Bundle purchase" is your invoice showing both items.

4.Track your rebate:◦Unlike most other rebates processed by 4MyRebate, you will not receive email updates. - Now fixed
◦You can use the "Check Rebate Status" link in the email titled "Rebate Registration Confirmation".
◦You can also enter your information at totaldefense.4myrebate.com [4myrebate.com]. You cannot track your $60 rebate at www.4myrebate.com.

5.Receive rebate
6.One year from activation: subscription automatically expires without additional charges.

For those interested, people in the previous thread reported that the drive inside is one of the following:Toshiba MQ01ABD100
HGST HTS541010A9E680
SAMSUNG Spinpoint M8 ST1000LM024

Crystaldiskinfo says the drive inside (this time) is the Samsung Spinpoint M8 ST1000LM024 1TB 5400 RPM 8MB Cache SATA II

UPC requirements for 2 rebates

$60 TD9-10033 [4myrebate.com]Requires UPC 817839011691 [upcdatabase.com] from Total Defense Premium ISS
$20 TD-10898 [highspeedbackbone.net]Requires UPC 747464123318 [upcdatabase.com] from BUFFALO Hard drive

5% off when purchased through Discover CashBack..
External Hard Drives Deals

Tiger Direct Coupons
Report to Insurance or Pay out of pocket
Added on : Friday September 20th 2013 04:00:13 AM
g: 0 Posted By: radiomessenger49
Views: 145 Replies: 2 My teenager was at fault in a minor accident at a stop sign, with some damage to the car in front of him. The other driver thought that the damage was small enough that they shouldnt report it to the insurance company and just get an estimate and pay out of pocket. The other driver sent us an estimate for approximately $300 from a local dealership.

Here is my question: should I, pay the estimate, ask for more estimates, report it to my insurance or ???? I would prefer at least two additional estimates to make sure that the cost is reasonable, but I dont want to upset the other driver because if they decide to report it to the insurance company I am sure that I will pay more than $300 in rate increases. Also, if I pay out of pocket, is there a boilerplate document that I could get the other driver to sign so they cant come back to me at a later date to get more money?

I should say that this happened in Michigan which is a no fault insurance state.
Personal Finance Deals
g: 0 Posted By: VivYip
Views: 92 Replies: 0 credit faregg

Fry's has the 2 software FAR with free shipping

2014

Panda Internet Security 2014- 3 PCs
$29.99 - $30 MIR exp 9/30/13

Caution is needed

Webroot Internet Security Plus 2013-3PC
$39.99 - $40 MIR exp 9/26/13

(note Webroot needs the end flap in addition to usual stuff for rebate submission...however, people have been reporting denials on rebates recently. proceed with caution)

This will be added to the QS of main thread ASAP. Thank you for reading
Software Deals
g: 1 Posted By: andrey2506
Views: 388 Replies: 3 I don't know if it's old news, but I thought I will share my experience switching from Geico auto.

Long story short, after purchasing a new car and adding collision and comprehensive my rate with Geico went pretty high up. So, I went shopping around and got a better rate with Progressive (about 25% less but with 50/100 instead of 100/300 I had with Geico).
Now, today I call Geico to cancel and they transfer me to my local department, then to a local insurance agent and he says that Geico recently implemented this new credit rating system. He then double-checks my info and pulls my credit report (soft pull, he says) and comes up with 30% off the current Geico rate, with all the same limits. So, $100 off with one phone call, not bad, I think.

BTW, I was with Geico for 3 years now. When I purchased my new car, I updated my policy but they did not mentioned any new credit rating system being used at the time (2 months ago).
Also, I have no accidents or tickets, but I don't know if that matters though.

Good luck!

edit: I am in OH




General Economics Deals
What CC Report Authorized Users
Added on : Wednesday September 18th 2013 09:00:26 AM
g: 0 Posted By: daw4888
Views: 177 Replies: 0 What CC company's report authorized users? Also what ones backdate them to the original card issue date? Trying to get my wife's score up some so she can qualify for a few higher end cards in a future AoR.
Credit Deals
g: 0 Posted By: andrey2506
Views: 96 Replies: 1 I don't know if it's old news, but I thought I will share my experience switching from Geico auto.

Long story short, after purchasing a new car and adding collision and comprehensive my rate with Geico went pretty high up. So, I went shopping around and got a better rate with Progressive (about 25% less but with 50/100 instead of 100/300 I had with Geico).
Now, today I call Geico to cancel and they transfer me to my local department, then to a local insurance agent and he says that Geico recently implemented this new credit rating system. He then double-checks my info and pulls my credit report (soft pull, he says) and comes up with 30% off the current Geico rate, with all the same limits. So, $100 off with one phone call, not bad, I think.

BTW, I was with Geico for 3 years now. When I purchased my new car, I updated my policy but they did not mentioned any new credit rating system being used at the time (2 months ago).
Also, I have no accidents or tickets, but I don't know if that matters though.

Good luck!


General Economics Deals
g: 0 Posted By: Niftyone33
Views: 110 Replies: 0 I recently was added as AU to another one of my parents card for the history. Now I have almost my entire age worth of credit history, and limits totaling 85k. The card the was added has 0% utilization and perfect payment history. However, when I report my income of approx 50k, the creditors will see AU credit extended to me of 55k, and my own cards of 30k. The utilization ratio has always been low, but will creditors not accept me based on the merit that my income is too low compared to the limits in credit already extended to me?

Thanks.
Personal Finance Deals
Free - Best Hospitals 2014 [Kindle Edition] U.S. News & World Report
Added on : Wednesday September 18th 2013 01:00:03 AM
g: 1 Posted By: remick
Views: 33 Replies: 0 http://www.amazon.com/Best-Hospitals-2014-ebook/dp/B00EW5IAKG

Publication Date: August 13, 2013
Are you or a family member facing serious illness or complex surgery? When the stakes are high, you want the very best care you can get. U.S. News & World Report's Best Hospitals 2014 can guide you to the top-ranked medical centers for both adults and children in specialties from cancer and heart problems to respiratory disorders and orthopedics. Plus:
● The highest-ranked medical centers in your area
● Hospitals of tomorrow: Medical care on the cutting edge
● Meet Dr. Watson: How IBM's supercomputer is helping physicians
● New weapons against cancer - and the latest on how to prevent it
● Over-the-counter products that pharmacists think are tops
● Intermittent fasting: Should you try it?
● Best diets for your heart, weight loss & diabetes prevention
Consumer Reports $19 per year
Added on : Sunday September 15th 2013 01:00:06 AM
g: 0 Posted By: testboy
Views: 179 Replies: 0 http://www.slickmagazines.com/40125-consumer-reports-w-buying-gu...
Magazines Deals
National Catholic Reporter - Issue Mailed Free
Added on : Saturday September 14th 2013 09:00:12 PM
g: 1 Posted By: Gauss44
Views: 149 Replies: 0 Scroll down:http://ncronline.org/request-sample-issue

Thanks for your interest in theNational Catholic Reporter. We will send you a sample copy of our latest issue within a few weeks.
Books & Magazines Deals
Taxable income and OASDI / Medicare payments
Added on : Saturday September 14th 2013 10:00:14 AM
g: 0 Posted By: under10
Views: 113 Replies: 0 Hello,

I have a general understanding of how taxes work - deductions and credits and the differences between the two, tax tables, etc. One thing I do not understand, however, is how my taxes to OASDI and Medicare impact my federal taxable income. After reviewing my past years 1040s, it doesn't appear my payments to OASDI and Medicare are treated like other non-taxed payments (i.e. contributions to my 401k, health insurance premiums), whereby my tax rate calculated against my reported income less those contributions. Is it correct that federal income tax is paid on income that actually went toward OASDI and Medicare, or am I missing some piece of the puzzle known as the US tax code?

Thanks


Tax Deals
Bookkeeping (Quicken) advice for Manufactured Spend
Added on : Friday September 13th 2013 01:00:08 PM
g: 0 Posted By: BenH
Views: 102 Replies: 1 I'm hoping someone can give me some insights into how to best do book keeping to track all the money in and out with manufactured spending.

Examples:
Spend $X every month in multiple transactions across several credit cards for various GCs, VRs, etc.
Transfer those spoils to various account AP,BB,GB,NS,etc...
Use those accounts to do BP off to CCs or direct to other parties.

So far, I have gone ahead and tagged all my CC spending into a category called "Manufactured Spend" so at least I can easily see how much I actually bought.
However, I am having a challenge in how to properly track/code through payout.

What I am hoping to see is the net spent after liquidating. So if I buy 10,000 in GCs and spent $99 in activation fees, I would like my analysis to show that only $99 was spend when all is said and done.
I can then compare that $99 spent to my CB and points accumulation.

One complication is pretty much none of the prepaid cards go directly into quicken...so if I wanted to use them to show full flow, I would have to manually add all transactions - which I am not against doing.

I don't want to over complicate things - but I want to be able to report on what is going on and have some sort of tracking of funds spent, funds liquidated, and funds still in stock (like unloaded GCs, etc).

I am by no means a Quicken expert, but I know all the basics, and a little more.

All constructive ideas welcome.

Personal Finance Deals
Navy Federal: Fee Padding on Mortgage
Added on : Friday September 13th 2013 04:00:12 AM
g: 0 Posted By: zimma13
Views: 105 Replies: 0 I searched but didnt find anything. Sorry if this has been covered previously.

I'm in the midst of getting approved for a mortgage at Navy Federal. On the GFE the appraisal was quoted at $400. I got an email from a different person at NFCU asking where to charge the $390 appriasal fee, but yet I was still charged $400. I emailed both people I was dealing with and get a very quick response back that I'll be credited the $10. Its not the money that matters, its the fact that they overcharged me. I'm a stickler for crap like this. A few questions for those of you who have done this more than me:

1. If I request a copy of the appraisal invoice (I got the report), do they need to supply it to me?
2. Is it illegal for them to pad fees? If so, should I report it and to who?(after mortgage closes)It is often hard to prove, I think I just caught them by chance.
Real Estate Deals
g: 0 Posted By: whiteb8791
Views: 25 Replies: 0 http://www.groupon.com/deals/benchprep-nks-usBenchPrepFeatured in such publications as the wall street journal, BenchPrep's educational network prepares students to undertake difficult exams with confidence through innovative and interactive online content. Students can enlist in a field of study from BenchPrep's courses, forged with the aid of McGraw-Hill, Pearson, Wiley, and photocopies of Athena's classroom cheat sheets, to gain access to the site's comprehensive content, reporting, and score-analysis tools. Students cultivate their academic knowledge with content-specific reading material, videos, notes, bookmarks, customizable quizzes, and practice tests.
Services Deals

Bench Prep Coupons
IRS CP notice has error
Added on : Wednesday September 11th 2013 05:00:08 PM
g: 0 Posted By: fatwallet21
Views: 56 Replies: 3 Today I got this IRS notice saying I didn't report state tax refund. Looking closely, I figured that the amount I owe is ridiculously high and it is high because they didn't include my wife's federal withheld taxes. how should I approach this? Just call them and get clarification? Any tips appreciated....
Tax Deals
Adding a minor child as an AU backfired
Added on : Wednesday September 11th 2013 05:00:08 PM
g: -2 Posted By: ymf
Views: 95 Replies: 6 So two years ago I added my minor child to my high-CL daily spender account as an AU to boost the future credit score. It worked as advertised: when the child turned 18 and applied for the 1st own CC (CapOne Journey), the credit score (as reported on the denial letter from Capital One) came up a respectable 700+. The application was denied for a curious reason: "Proportion of revolving account balance to income too high." Ha! Idiots. Don't they know that the AU is not responsible for repaying the account?
Credit Deals
Is this a good thing for a kid and grandfather to do?
Added on : Wednesday September 11th 2013 08:00:08 AM
g: 0 Posted By: evbe
Views: 130 Replies: 9 18 yo kid earns 9k working in a store this year and it's reported on a W-2

Grandfather gives him $5500 gift to start a Roth.

When the kids 62, and assuming 8% annual compounding for 42 years, it's gonna be worth $183,656.40 tax free.

Is there something wrong with that picture, or is that how it is?
General Economics Deals
Earn 20k or 40k TY points with new Citi checking
Added on : Wednesday September 11th 2013 05:00:07 AM
g: 1 Posted By: prikindel
Views: 2117 Replies: 17 Basically, you have two choices:

open a Basic Banking Package with no minimum requirements and get 20k TY points
lock in $50k in aCitigold Account Package for about 4 months and get 40k TY points


In either case, you have to make 1 DD and 1 bill pay per month for 2 months, and also either use their mobile app or sign up for paperless statements.

promo link


Offer details:ThankYouPoints will be credited to your ThankYou Member Account within 90 days from the end of the statement period in which you satisfy all offer requirements.

1. Qualifications:

To qualify for 30,000 bonus ThankYou Points, open a new Regular Checking account in The CitigoldAccount Package; or to qualify for 10,000 bonus ThankYou Points, open a new Regular Checking account in The CitibankAccount Package or Basic Banking Package.
Within 60 days after account opening, you must enroll the new checking account in Citi ThankYouRewards and; 1 qualifying direct deposit must be credited, and 1 qualifying bill payment must be posted, to the new checking account and such activities must also occur during a calendar month and the following calendar month.
Qualifying direct deposits are Automated Clearing House (ACH) credits, which may include payroll, pension, or government payments (such as Social Security) by your employer or an outside agency. Qualifying bill payments are those made using CitibankOnline, Citi MobileSMor Citiphone Banking. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts of Citibank affiliates do not qualify as bill payments for this offer.

2. To qualify for an additional 10,000 bonus ThankYouPoints:

You must satisfy the qualifications described above AND within 60 days after account opening complete one of the following digital services:
- Download the Citi MobileSMApp and use the app to sign on with the same User ID and Password you use to access your new checking account online;
- Or Enroll your new checking account in paperless statements.
Citibank Online registration is required before you can complete any of these digital services.
Important Tax Information: Enrollment in Citi ThankYou Rewards and this offer limited to customers who are either citizens or resident aliens of the United States (U.S.) with a valid U.S. taxpayer identification number. The value of the rewards from redeemed Points may be reported to the IRS as miscellaneous income on Form 1099-MISC in the year redeemed, 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. Customer is responsible for any applicable taxes.Separate enrollment of eligible checking account in Citi ThankYouRewards required. Citi ThankYou Rewards enrollment and participation are subject to terms, conditions and restrictions. Visit thankyou.com to see the various rewards available in the Citi ThankYouProgram; ThankYou Rewards and the ThankYou Point levels for specific rewards are subject to change without notice. Customers must log in to their ThankYou Member Account to see specific rewards and redemption values available to them.Offer is for new checking customers only, 18 years or older. All accounts subject to approval and applicable terms and fees. Limit of one offer per customer and account. Offer expires 10/31/13, may be modified or withdrawn at any time without notice, is not transferable and cannot be combined with any other offer. If you have received a bonus reward for opening a new Citibank consumer checking account within the past two years you will not be eligible to receive a bonus associated with this offer. Your new Regular Checking account in The Citigold Account Package, The Citibank Account Package or the Basic Banking Package must be open and in good standing at the time the bonus ThankYou Points are posted to your ThankYou Member Account.

Information about Banking Products and services

3. Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATMs at Citibank branches and Citibank-branded ATMs at other locations. Not all ATMs are owned or operated by Citibank. Not all functions available at all ATMs.

4. Citibank does not charge you a fee for using Citi Mobile or for the Citibank for iPad app. However, charges from your wireless carrier may apply. Regular account charges apply.

5.Citigold Account Package- Monthly service fee is waived if you maintain a combined average monthly balance of $50,000 in deposits and retirement balances OR $100,000 in combined average monthly balances in deposits, retirement, investments, credit cards, and loans/lines of credit excluding first mortgage, otherwise a $30.00 monthly service fee is applied. Ask for details.

Citibank Account Package- Monthly service fee is waived if you maintain a combined average monthly balance of $15,000 in eligible linked products otherwise a monthly service fee of $20.00 is applied. Eligible linked products are linked deposits, loans, mortgages, credit cards, retirement and investment accounts. Ask for details.

Basic Banking Package- Monthly service fee is waived if the following transactions are completed: maintain a combined average monthly balance of $1,500 in either your Basic checking or your linked Basic Savings Account OR if One Qualifying Direct Deposit is credited to your Basic Checking account or to a linked Day-to-Day Savings in a Basic Banking Package AND One Qualifying Bill Payment is posted to your Basic Checking account. Otherwise a $10.00 monthly service fee is applied. Qualifying bill payments are those made using Citibank=9pxOnline, Citi MobileSMor CitiPhone Banking=9px. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates do not qualify as bill payments for this offer. Qualifying direct deposits are Automated Clearing House (ACH) credits, which may include payroll, pension, or government payments (such as Social Security) by your employer or an outside agency. Ask for details.

This page contains information about U.S. domestic financial services provided by the Citigroup family of companies and is intended for use domestically in the U.S.

Deposits Deals
Help. Settling for less then Full for LiveBeat
Added on : Monday September 09th 2013 01:00:06 PM
g: 0 Posted By: 74ak
Views: 207 Replies: 2 While the post may be more suited for credit boards I am not a deadbeat and am looking to improve my yield

Summary:
- Received a loan from my former employer ($22k, 1.88% fixed, 81months)
- A normal practice for my employer to sell the promissory note to a collection agency who services it
- I called the collection agency inquiring about buying the note out for less than par on the start of a repayment - the declined
- Got a offer in mail today with 5 days to respond to settle for 15% off ( ~$17.5k lump sum, currently ~ 77 months to go)
- I have no liquidity issues. Dont want to jump thru hoops of RCA and can settle, attractive IRR (imho) - 6-7% pretax
- Currently, the debt is not reported to any credit agencies
- Avg Fico Score 800
- Just completed my AOR, curtailed my mortgage to get rid of PMI and paid of a car loan - again in a quest for yield, not looking to refi or but might get a new car loan (0.75% fixed)

Qs:

1) Should I counteroffer (a quick Google search showed they offer up to 50% off ...but to deadbeats - the lady on the phone indicated my "type" (I assume paying type) does not get this kind of offers) and request the new terms in writing while waiting for inflation?
2) IF I am to accept the above 15% off offer, how should approach it?
This particular collection agency is very nasty and I am worried:
a) they will play games with me by posting the payment after the deadline and thus ripping me off of low fixed rate loans - keeping the original amortization schedule/terms and simply curtailing it (opportunity cost, etc - I did accumulate low fixed interest loans on purpose - higher reinvestment rates in the future, inflation etc - and would not want to lose it)
b) suddenly reporting "settled for less than full" to credit bureaus and thus damaging my score (I estimate 40-100pts hit and could take it but rather not OR at least for more $ off - 10k would be fair ). Should I write on a check "payment in full" - does it have any power?

I appreciate any advice, guys.
Personal Finance Deals
'Loan Size to Be Cut for Fannie, Freddie' (WSJ)
Added on : Sunday September 08th 2013 03:00:05 PM
g: 0 Posted By: tuphat
Views: 102 Replies: 0 WSJ reporting that GSEs' regulator may lower conformingloan limits. Link: http://online.wsj.com/article_ (possible paywall).

Excerpt:

Federal officials are preparing to reduce the maximum size of home-mortgage loans eligible for backing byFannie MaeandFreddie Mac,a move that is likely to face resistance from some lawmakers in Congress and the real estate industry.The proposed move is designed to wean the mortgage market off government support and allow the market for non-government-guaranteed mortgages to take a bigger role. But critics argue that any such move will shrink the pool of eligible home buyers, stunting the nation's housing recovery.... Currently, Fannie and Freddie Mac can back mortgages that have balances as high as $417,000 in most parts of the country and up to $625,500 in expensive housing markets, including parts of California and New York, and as much as $721,050 in Hawaii. ...The Federal Housing Finance Agency, which regulates Fannie and Freddie, hasn't announced how far it will drop the loan limits, which would take effect Jan. 1, 2014, and a spokeswoman declined to elaborate on specifics. But in a statement, the agency said a "gradual reduction in loan limits is an appropriate and effective approach to reducing taxpayers' mortgage-risk exposureand expanding the role of private capital in mortgage finance."
Discussion Deals
Free $5 Amazon GC for Time Warner Cable Customers YMMV
Added on : Saturday September 07th 2013 07:00:06 PM
g: 0 Posted By: FatMoneyClip
Views: 247 Replies: 0 Time Warner Cable Customers: CHECK YOUR MAIL...

I was getting ready to throw away some "junk" mail today when one piece caught my eye:
It was a dark blue post cardwith really thin, white letters that read:
A SPECIAL THANK YOU
Enjoy a Gift Card on us.

I pried it open to findan offer for anoffer for a free $5 Amazongift card (as an apology for recent inconveniences).The interior read:
AN Amazon.COM GIFT CARD ON US
Just to say thanks.
...
Request your Amazon.com Gift Card at twcloyalty.com or call 1-800-211-4132 and use your Redemption Code.
Your Amazon.com Gift Card will arrive in the mail within 4-6 weeks.
Act now, this offer expires 10/31/2013
...

Picture of the offer isattached. T&C copied from www.twcloyalty.com and pasted below:

Amazon Terms and Conditions - CBS LOYALTY ONLY
Amazon.com Gift Cards offers expire 10/31/13. Offer not available to residents of Hawaii. Gift Card values may vary depending upon selected services, customer category and geographic location. Specific Gift Card values and service, geographic and other eligibility requirements are set forth in the promotional materials describing the specific offer to which you are responding.To receive the Amazon.com Gift Card, customer must be an active Time Warner Cable subscriber and register by 11:59 p.m. EST on 10/31/13 at this site: www.twcloyalty.com. Gift Card will be mailed approximately 4-6 weeks after eligibility has been validated.Gift cards may be subject to separate terms and conditions imposed by issuer. See front and back of Gift Card and any accompanying materials for additional details. Limit one (1) Gift Card per eligible residential service and this offer may not be combined with any other offers.Time Warner Cable does not assume any responsibility for lost, late, mutilated, misdirected or postage due materials if applicable. Offer is not available to customers with past due balances with Time Warner Cable during the program period or customers who have been disconnected for non-payment in the twelve (12) month period preceding this offer. Gift Cards can only be mailed to addresses in the United States.Time Warner Cable is not responsible for activation or maintenance of the Amazon.com Gift Cards or for any Gift Cards that are lost or stolen. All materials submitted in connection with this offer become property of Time Warner Cable and are non-returnable. Forged or fraudulent requests, of any kind not obtained through authorized channels will be void. Time Warner Cable has no obligation to acknowledge, return or redeem any requests that are not in compliance with these terms and conditions. Invalid or duplicate requests will not be honored. Time Warner Cable reserves the right in its sole discretion to modify, suspend or terminate the offer at any time.By participating in the offer, customers agree to be bound by these terms and conditions and the decisions of Time Warner Cable which are final and binding, including any decisions concerning any violation or non-satisfaction of these terms and conditions. Customer also agrees that Time Warner Cable shall have no obligation to provide, and customer shall have no right to receive, an Amazon.com Gift Card under this promotion unless customer first fulfills all requirements of this promotion, including but not limited to properly completing the registration process required under the terms of this promotion.Card holder should call 1-800-211-4132 to report an Amazon.com Gift Cards lost or stolen. The card holder is required to provide their name, the card number, original value and transaction history. If records show a balance still remains on the card, the original card will be canceled and a refund of the balance amount will be issued in the form of a new standard design Amazon.com Gift Cards.Amazon.com is not a sponsor of this promotion. Except as required by law, Gift Cards cannot be transferred for value or redeemed for cash. Gift Cards may be used only for purchases of eligible goods on Amazon.com or certain of its affiliated websites. No expiration or service fees. For complete terms and conditions, see www.amazon.com/gc-legal. Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. ,, Amazon.com Inc. and/or its affiliates, 2013.2013 Time Warner Cable Inc. Time Warner Cable and the Time Warner Cable logo are trademarks of Time Warner, Inc. Used under license.
Services Deals

TimeWarnerCableOffers.com Coupons
Sony HT-CT260 Soundbar $225 at Amazon FS or Prime
Added on : Saturday September 07th 2013 07:00:03 PM
g: 0 Posted By: booklover
Views: 62 Replies: 0 http://www.amazon.com/gp/product/B00945RAQY

Lowest price so far per camel, most likely because another model came out. Best budget soundbar according to Consumer Reports and thewirecutter.
Home Theater & Audio Deals

Amazon Coupons
g: 0 Posted By: CSREwallet
Views: 94 Replies: 0 Simple steps to an extra 100 bucks!
1. Open a new SunTrust checking account
2. Spend $500 with your SunTrust MasterCard Check Card in the first three months
3. Get $100 deposited straight into your account

Eligible New Checking Accounts: To qualify for the $100 promotional incentive, a new personal checking account must be opened at an in-store SunTrust branch located inside Publix, Kroger, safeway, WalMart, B-Lo and Harris Teeter retail stores between 8/30/2013 and 12/31/2013, and at least $500 must be spend on qualifying purchases with a SunTrust MasterCard Check Card(s) or Delta SkyMiles World Check Card(s) that are associated with the new account within 90 days of opening the new checking account. In-store SunTrust branch locator

Eligible personal checking accounts are limited to the following: EZ Checking, Everyday Checking, Solid Choice Banking, Signature Advantage Banking, Signature Advantage Brokerage, Student Checking and Balanced Banking. SunTrust clients who already have a checking account with SunTrust (as a primary or secondary account holder) are not eligible for this promotion. SunTrust Checking Account Options (Best options - Everyday Checking, EZ Checking)

Qualifying Purchases: Only SunTrust MasterCard Check Card or Delta SkyMiles World Check Card PIN Point of Sale and signature-based purchases (including small dollar purchases that do not require a signature), Internet purchases, phone or mail order purchases qualify for meeting the $500 spend requirement. Cash advances, cash portion of a PIN POS sale with Cash Back, ATM transactions, payments for stored-value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, traveler's cheques, purchase of monetary instruments or a PIN POS/signature transaction that contains either in whole or part of one or more of the previously excluded transaction types do not qualify. PIN Point of Sale and signature-based check card purchases made with any check card(s) tied to the new checking account will count towards meeting the requirement to spend $500 within 90 days from account opening.

After making a minimum of $500 in qualified PIN Point of Sale and signature-based purchases with your SunTrust MasterCard Check Card(s) or Delta SkyMiles World Check Card(s) within 90 days of checking account opening, SunTrust will deposit the $100 credit to your new checking account. Please allow 8 weeks for the $100 credit to be deposited to your new account. Only one $100 credit will be awarded per eligible new SunTrust personal checking account. The SunTrust personal checking account must be open and in good standing at the time of the $100 credit. For interest bearing checking accounts, the $100.00 bonus will be reported to you and the IRS on Form 1099-INT as interest income.

The offer is only available at SunTrust in-store branches between 8/30/2013 - 12/31/2013, and it is only available once per customer.

Offer is not listed online. In-store you will find a whiteboard and flyer with title - Want an extra $100 for groceries?
No hard pull.
Starter checks will have two routing numbers listed (additional routing number is for ACH/Direct Deposit).
Fee for account closed within first 6 months - $25.00.
SunTrust has stopped charging $20 to close account by mail.
Personal Finance Deals
Bank accounts closures and chexxsystems
Added on : Friday September 06th 2013 03:00:04 PM
g: 0 Posted By: Jtrapdr
Views: 11 Replies: 1 Received a letter this week that because of "high risk" all of my accounts at my bank of over 10 years are being closed. The issue was last week an unexpected charge (it was not supposed to be put through until later this month) went through for several thousand dollars bringing the account into negative territory. As I wasn't anticipating any deposits / withdrawls, I didn't end up logging into the account until this week and it went unnoticed until then. Once I did, I prompty deposited sufficient funds to bring it up to date.

Today, the letter arrives notifying me of their intent to close ALL of the accounts held there next week. It's after hours so I can't get in touch with anyone until the morning to see if this is correctable, but, in the mean time, I'm working on contingency plans in the event is not. With that in mind, I've got a few questions

1) If they do close them, all of the accounts will be current and not have any owed balances. Will that get reported to chexxsystems and cause problems?

2) If it will, how soon does that get reported? I've got accounts with other banks that I can use in the short term, but, limited use where I don't know if I want them to be my "main" bank going forward. Should I be ok or is it advisible to go open accounts at other banks right away?

3) If the bank doesn't change their stance and refuses to keep the accounts opened, would it help if I requested the accounts closed before they close it on their own?
Personal Finance Deals
Interest on death benefit payment for months after death until payout
Added on : Thursday September 05th 2013 10:00:11 AM
g: 0 Posted By: DTASFAB
Views: 2 Replies: 0 My father died 13 months ago. He had a 403(b) on which I was the sole beneficiary. I sent in paperwork to have the entire lump sum rolled out to an inherited IRA in October. The check to the IRA custodian wasn't cut until the end of January, more than 5 months after my father's death. I had been led to believe the full amount in the account would continue earning 7% interest for at least 6 months after his death, but that's not what the New York City Teachers' Retirement System has written to me in a letter. The letter states the following:

In accordance with the 1991 TRS Board Resolution regarding interest payments on death benefits, interest is credited using the lesser of on (sic) declining rate schedule or the rate of return on the TRS Non-Variable Annuity Funds. Previously, TRS erroneously applied only the declining rate. However, for payments issued on or after the March 2012 payroll, we started correctly doing both calculations and applying the applicable one. Please note that the rate of return earned by TRS on its Non-Variable Annuity Funds for the current quarter is based on the annual rate of return for the last previous quarter as reported by the Office of the Comptroller.

Furthermore, by resolution of the Teachers' Retirement Board on September 20, 2012, "where interest on a qualified pension plan or tax-deferred annuity death benefit is due, the rate of interest shall be the lesser of (a) 5% simple interest for the first year following the member's death and reduced by 1% simple interest per year for each of the following four years; or (b) a simple interest rate equal to the actual net rate of return on TRS' qualified pension plan fun assets calculated from the date of death of the member as determined quarterly (based on the previous quarter) by the Chief Accountant pursuant to data provided by the responsible agencies (but in no case shall principal be reduced)."

As further stated in the above-noted resolution, "the interest rate to be paid on a death benefit shall commence on the thirty-first day after the date of death and will continue until the earlier of the following date: a. the date the death benefit payment is issued, b. five years after the date of death, or c. six months following the date on which TRS sends death benefit claim forms to the beneficiaries."

For your information, we have enclosed a detailed breakdown of the interest computation used to calculate the interest on your TDA death benefit.

Earlier in the letter, it states, "your father's TDA account became inactive as of his date of death."

I've given up hope of getting 7%, which would have been around $40K for the 5 months in question, despite at least two TRS phone reps telling me the money was still earning that return, once last September and once last December.

Interestingly, although he died before the 9/20/2012 resolution, it was within less than 30 days of that date. I'm not sure if that makes a difference.

According to the interest calculations worksheet they enclosed with the letter, quarterly interest (5% declining rate) would have been over $18K. Quarterly performance was only $1065, which is what I got. I'd like to collect the difference of about $17,600 if possible. I've contacted a FINRA lawyer who said the case was way to small for him even if it were a slam dunk, but he recommended that I try the securities arbitration clinics at local law schools. They don't want to deal with this and referred me to the bar, where I got a reference to another lawyer this morning who I called. I left him a message and he hasn't called me back yet.

Questions:

(1) How relevant is the September 20, 2012 board resolution? Can they apply any new rules or procedures they enacted on that date to my father's account? They stated earlier in that very same letter that his account became inactive when he died. Therefore, wouldn't it have to be administered according to the rules and procedures in place at that time?

(2) The way this letter is written is confusing to me. In the fhird paragraph that begins with, "As further stated in the above-noted resolution," it's unclear whether they're referring to the 1991 resolution or the 9/20/2012 resolution. I'm not sure if it matters. Additionally, it seems the correction was made in March of 2012, and the 9/20/2012 resolution was included only for the purpose of detailing the method by which the Chief Accountant is to calculate the simple interest rate in part (b), which in my case was $1065.

(3) Basically, I think I'm screwed and I probably have no case to recover the $17,600 difference. Should I bother putting more time and effort into this?
Business Credit Cards that report on Personal Credit
Added on : Thursday September 05th 2013 03:00:06 AM
g: 0 Posted By: vwriter0
Views: 6 Replies: 0 Is there an updated listing of business credit cards that report to one's personal credit? When reading prior posts it seemed that some companies used to not reportbusiness credit cards on a personal credit reportand then changed their minds and startedreportingbusiness credit cardsona personal credit report. I'm a small business owner in the very early stages. I don't need a business credit card now. However, I'd like to get one for future growth. My personal score is ok, but I'd hate it to be lowered over something that shouldn't lower it.
Personal Finance Deals
Helping Data Brokers for Fun and Profit
Added on : Thursday September 05th 2013 12:00:05 AM
g: 0 Posted By: ThomasPaine
Views: 105 Replies: 0 I thought about titling this "Dancing with the Devil for Fun and Profit", but that would be too vague.

SoSlashdotand the NYT are writing about a marketing company called Acxiom opening up their database of publically collected info about individuals and allowing them to edit them....
The "beta" website is calledhttp://AboutTheData.com.. it allows you to both edit, and suppress info from being used for marketing.
Can it be selectively updated, to maximize the chance of preapproved BT cards? Probably, it says the data updates within a few months.

So I had a try... this is my review.

The NYT review said there were inaccuracies, and there were mine too.. it confused me with my father (same name), my race, and the mortgage info is from the previous owner.

They require last 4 SSN, email, address, DOB and and a lot of info people here will be leary of giving marketers..
They use the last four of your SSN as a password... WTF.
They are not a credit reporting agency under FCRA, but they do collect some financial information
You can get the very same info, read onlyfor$5 from their offlinedisclosure dept
The Terms of Use warn that it's not a credit repair shop,
You will see your changes on screen immediately. However, it may take anywhere from 90 to 120 days for the changes to be updated in all systems. Changes will be kept for 24 months from date of change.

I'm sure this will cause paranoia over confirming marketing data, and if you like, you can certainly opt-out.
That being said, I was curious what I would have the ability to edit, and learn about the accuracy of the data.

They divide their info into five categories

Characteristic Data (DOB,Age,Gender,Race,Ethinicy based on Surname,Martial Status,Presence of Children,# of Children,Political Party, andOccupation)
Home Data (Owner/Renter, Type of Ownership, (Investor,Homeowner, Homestead), Trust Owned, Dwelling Type, Property Type, Length of Residence, HO insurance expiration date, SQ, Value, Comparitive Home Market Value, Assessed Value, Purchase Date, Loan Amount, LTV, Conventional, Loan Date, Transaction type, Fixed/Variable, Loan Amount, Available Home Equity, Lendable Home Equity
Auto (Monthauto insurance renews)
Economic (Household Income, Active Investor, Presence of Credit Card, AMEX/VISA/MC (More below)
Shopping (More below)
Household Interests (Donate to Charity, more categories of hobbies)

Economic Info
It breaks down the actual number of purchases made with "X" in the last 2 years with selected retailers

Cash/Check
Credit Card
Amex
MasterCard
Visa
Other

Interestingly, under presence of credit card you can choose to select from the following options:

=13pxBank Card Holder
Gas/Department/Retail Card Holder
Travel and Entertainment Card Holder
Credit Card Holder - Unknown Type
Premium Card Holder
Upscale Card Holder

Under credit card types (AMEX/MC/VISA), you can check boxes for "Gold/Premium" or Regular
Under Shopping it goes into more detail, basically added more detail from Economic

Total # of purchases captured over last 2 years, and total $ spent
Offline Purchases by amounts, #, total dollar spent, Average spent
Online Purchases by amounts, #, total dollar spent, Average spent
Mail-order buyer/Purchaser, and purchase categories
A whole slew of interests


So it's a mixed bag.... As mentioned in Slashdot.. likely Lexus/Nexus has better info for skiptracing... and this is probably used for preapproval offers only.
That I gave a broker all sorts of data about me does worry me a bit, but I figure I can always opt out later..
General Economics Deals
Free Android App: REI Snow Report
Added on : Tuesday September 03rd 2013 07:00:10 AM
g: 0 Posted By: mapatsfan
Views: 0 Replies: 0 Winter will be here before we realize it.

http://play.google.com/store/apps/details?id=com.rei.snowreport

One of the most popular snow sport and weather apps, the REI Snow Report app is back and better than ever! Packed with several exciting and useful new features, the new REI Snow Report app will conveniently give you the information you need to get out and enjoy the snow.REI Snow Report will help you figure out the best place to spend your time up at the mountain. Add resorts from all over the world to your favorites list and see temperatures and snowfall amounts in metric, if you choose to do so. Get push notifications when there is new snow and when vital conditions are updated such as the amount of trails open, snowfall over the last 72 hours, depth at the base and at the top, along with a five day forecast. Even get first-hand reports of conditions at your selected resorts from an app-specific message board.Planning an excursion with friends? You can easily share conditions with your friends via Facebook, Twitter, email, SMS, and our app-specific message board. Once you arrive, use the app to reference resort trail maps, view resort cams (where available) and stay in touch with participating mountain Twitter feeds. Forgot something you need? With the Store Locator now at your fingertips, you can find the nearest REI store to buy or rent what you need. Direct access from the REI Snow Report app to the REI website and REI mobile app make it easy to shop online or get expert advice before you get going on your snow activities.

French Annual Report Company - Please Help
Added on : Sunday September 01st 2013 09:00:05 PM
g: 0 Posted By: skyfoxx
Views: 62 Replies: 1 Hi, I need help please. Does any one know which French Company will be a good comparison to the Tootsie Roll Company Financial Statement Annual Report. ?????

I am in search for something simple nothing complex..

I would greatly appreciate it. Thanks
New User Question Deals
Roof replacement deal gone sour
Added on : Friday August 30th 2013 02:00:08 PM
g: 0 Posted By: adamsmart78
Views: 153 Replies: 8 1-) 3 days ago, a roof contractor knocked my door claiming i can get a new roof because of a recent storm and wind damage. He asked my insurance info and he said ''oh i know the adjuster and i will get you a new roof''

2-) Adjustor and my contractor showed up yesterday when i am work and completed the inspection

3-) Contractor showed up today and claimed that i am getting a new roof and said insurance will pay all money minus my deductible which is $2500. This is where the deal gone sour. I asked him to give me a discount on my deductible and he said "no". i told him i was going to get estimates and compare his estimate. He also said he would not give estimates.

Then, i said the deal is off and he's now pissed off and when he leaves he said he was going to call his friend (adjustor) and make him reject my claim.

My question is : Can he really do that? What steps can i take now to protect myself from getting a lower amount or no amount at all because adjustor and contractors are friends! Where can i report this situation? Thanks


Discussion Deals
Any no-fee BT cards besides Chase Slate?
Added on : Friday August 30th 2013 05:00:07 AM
g: 0 Posted By: Muscle
Views: 18 Replies: 1 About to help GF do a mini AOR with a focus on no-fee BT cards. Trying to get approximately $7.5k transferred to no BT fee/0% APR card(s). I recently consolidated my Chase cards into a Slate myself and did the no-fee transfer (couldn't be happier). I pulled up her credit report, it looks good except for a couple 30 day missed payments on CCs and a couple unpaid medical bills totaling <$1k from last year.

Anyone know of any cards that don't have a BT fee besides the Chase Slate?

Going to apply for 4-5 cards.

Ideal card:
-No BT fee
-0% APR for 12+ months
-Cash Back promo is icing

'Ok' card:
-3% BT fee
-0% APR for 12+ months
-Cash Back promo

Would appreciate any heads up. Thanks!
Credit Deals
Obama takes action against gun trusts
Added on : Thursday August 29th 2013 05:00:13 AM
g: 0 Posted By: tuphat
Views: 1 Replies: 0 Affects those using trusts to own and bequeath firearms, including NFA guns. Excerpt below from White House "fact sheet."

***
Current law places special restrictions on many of the most dangerous weapons, such as machine guns and short-barreled shotguns. These weapons must be registered, and in order to lawfully possess them, a prospective buyer must undergo a fingerprint-based background check.
However, felons, domestic abusers, and others prohibited from having guns can easily evade the required background check and gain access to machine guns or other particularly dangerous weapons by registering the weapon to a trust or corporation. At present, when the weapon is registered to a trust or corporation, no background check is run. ATF reports that last year alone, it received more than 39,000 requests for transfers of these restricted firearms to trusts or corporations.
Today, ATF is issuing a new proposed regulation to close this loophole. The proposed rule requires individuals associated with trusts or corporations that acquire these types of weapons to undergo background checks, just as these individuals would if the weapons were registered to them individually. By closing this loophole, the regulation will ensure that machine guns and other particularly dangerous weapons do not end up in the wrong hands.
Free Android app: Leaf Peepr Foliage app from Yankee Magazine
Added on : Wednesday August 28th 2013 04:00:09 PM
g: 0 Posted By: mapatsfan
Views: 89 Replies: 0 http://play.google.com/store/apps/details?id=com.ypi.leafpeepr&feature=search_result

Find and report on fall foliage! Yankee Magazine's Leaf Peepr app helps fall-foliage fans find and report on the best and brightest colors in the United States.Make foliage reports (we call them Peeps!) by posting photos, writing comments, and rating foliage status for your location.The Peak Slider lets you rate foliage as either Green, Turning, Moderate, Peak, Fading, or Gone. The current foliage color is determined by averaging other ratings in a geographic area along with your Peeps. Use the Foliage Map to find current foliage rated by hundreds of other leaf peepers.
Totally Free Deals
Private college loans please help I've hid for too long
Added on : Wednesday August 28th 2013 11:00:07 AM
g: 0 Posted By: Dago84
Views: 231 Replies: 3 P { margin-bottom: 0.08in; }Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure what to do, it seems if I start paying I will simply be paying the interest for years and years prior to even touching the principal amount due. Onto my question, and I have to ask because I don't know what to do. I have been told by many people that after 7 years and (3-4 months) private loans will fall off of my credit report. I am coming here to see if there is any truth to this and or what I should do to increase my score.I'm financially stable at this point and need to get the credit score addressed immediately for it is affecting many points in my life. If this means tackling the loans head on, then so be it. It will be a long while before they are paid, but if that's what needs done so be it.If you all tell me I should start paying them, will I see a increase in my score once I start making payments? Thanks all, sorry it's so brief but figured you didn't want a long read. Thank you all, if there is any information you need please let me know. Apprecaite any advice you can offer I'm simply looking for the most cost affective and best way to increase my score. Sadly I didn't even finish college due to a job offer at which I couldn't pass up and I am currently still employed with said company.
Thanks all
Personal Finance Deals
Free App for Android: Trimble GPS Fish
Added on : Tuesday August 27th 2013 05:00:11 AM
g: -2 Posted By: mapatsfan
Views: 1814 Replies: 0 http://get.it/gpsfishfree/8o69#

Catch fish like never before with Trimble GPS Fish Free. This Free version of our Pro app lets you:

+ Record fishing trips. Keep a daily report of your catches.
+ Mark GPS waypoints: docks, fishing hotspots, underwater features
+ Track your boat drifts, trolling paths, and routes from one location to another.
+ Share fish photos with friends.
+ View topo, aerial, and street maps.
+ See basic weather reports
+ Check out sun and moon phases
+ Track mileage, compass directions, and other important stats.

GPS Fish uses the GPS built into your smartphone and works in remote places without the need of data or cellular signals.
Totally Free Deals
Forming a "shared" corporation for arbitrage and maximizing rewards
Added on : Monday August 26th 2013 06:00:08 PM
g: 1 Posted By: perc
Views: 145 Replies: 0 We are all familiar with financial products that require direct deposits or debit/credit payments for maximizing rewards. Some people split up their payroll deposits or use personal accounts with ACH-out that counts as direct deposit, pay utility bills at $1 increments a dozen times, and try other clever ways to meet those requirements. There are also some rewards that can be better scaled or simply more convenient if run through a legitimate business with an established history rather than through a new sole proprietorship made up for the sake of landing a business card. An obvious option is for an individual to incorporate and establish such a legitimate business. But the various costs like incorporation and license fees, franchise/reporting fees, tax filings, and other things typically don't make it worthwhile for one person. But it could be worthwhile for a group of people. Suppose that such a business could be created. It might work like this:

The business would be non-profit like, meaning no profits are retained beyond its operating expenses.
A participant must become an owner/member/shareholder of the business, an employee/contractorof the business, and a consumer of the business's product all at the same time.
By becoming a owner/member/optionholder/shareholder, the participant must invest some dollar amount into the business. This amount serves as a deposit and an upper limit of "cash flow" available to that participant for peer-to-peer transactions. It could be $1or $1,000. The participant can sell back its stake and get back its original investment.
By becoming an employee/contractor of the business, the participant would be entitled to direct deposit at the amount and frequency desired andgain access to the EIN, business address, etc.for certain uses. The employee/contractor's job would be to seek out new arbitrage opportunities for the business and its participants. Salary must be $1 or less, preferably $0.01.
By becoming a consumer of the business's product, the participant would pay for the product(s)usingdebit/credit card transactions at the amount and frequency desired. The cost of the product would be the sum of that participant's paycheck + overhead.
The implied web of trust among all participants would allow peer-to-peer transactions backed by the limit of the participants' deposit amounts.

Some ballpark numbers on overhead:

Cost of a single direct deposit could be as low as $0.50, so a monthly $1salary could be "purchased" by the participantwith a product from the business that costs $1.50 each month.
Cost of a single credit card payment could be $0.30 + 2%, so the above $1.50 product would have an actual cost of $1.84.
The annual cost of operating this business should be under $1,000. Divided among 10 peoplethat's under $10 a month, less with more participants.

Questions:

What are the legal aspects of this business that should be considered? (I am familiar with many but would like them iterated for all readers.)
How much would you invest (deposit)and pay on a monthly basis (operating cost)to participate in this business?
If the product/service is useful to you and thecosts are acceptable, would you participate?
If not, why not?

Personal Finance Deals
Free Android app: Fishing NY - Stocking Report
Added on : Sunday August 25th 2013 01:00:06 PM
g: 0 Posted By: mapatsfan
Views: 91 Replies: 0 http://play.google.com/store/apps/details?id=com.o3tech.fishingNY

View the latest New York fish stocking report on your android device! Organized by county and town, Fishing NY displays all the recently stocked lakes and streams throughout the state and allows you to find them with a click! Stocking reports are generated by the state and are immediately available from this app. This app is a must have for those looking to find the best fishing spots in New York!New to the app (v1.2) is the ability to receive status notifications when new reports have been published. This feature is enabled by default and can be disabled/re-enabled via the menu.Features:* Status bar notifications when new reports are available
* Access to current and past stocking reports
* Data caching allowing for offline use
* Google Maps view for finding water bodies
* Optimized view for mobile devices
** New for 2013 **From the state's stocking page:"Spring trout stocking begins in March and runs through May. For a listing of stocked waters and the anticipated number of fish to be stocked, click on the appropriate county of interest below. These listings reflect the anticipated distribution of yearling and older trout for the spring fishing season. Actual numbers and stocking times may vary depending on fish availability and weather conditions. The fish are stocked with help from County Federated Sportsmen."
Computers & Software Deals
kmully's wife's 2nd AOR
Added on : Sunday August 25th 2013 09:00:07 AM
g: 1 Posted By: kmully
Views: 114 Replies: 0 We did my wife's first AOR in late October 2012.

Applied for and approved/not approved:

Citi AA Visa - approved
Citi AA AMEX - approved
Chase Southwest - not approved, tried reconsideration, not approved
Chase Marriott - approved
AMEX Biz Gold - approved
Barclay's US Airways Mastercard - approved

She also has:

Authorized User on my AMEX Blue Cash (Original) since 2007 -- too late to change now, this is her oldest card
Authorized User on my Chase Amazon since ... 2007/2008? -- again, feel like it is too late to change now due to account length
Chase Freedom since January 2012 (for 5% rotating)

I'm looking to get her (in order):

Citi AA Visa Platinum (FT reports that this is churnable regardless of how many other AA cards you have so no need to cancel current AA cards?) - 50k miles after $3k in 3 months, $0 AF then $95 after that
Chase British Airways - 50k miles after $2k in 3 months, $0 AF then $95 after that (I know they've had the 100k mile offer, but it requires a TON of spend and I think this is a better offer)
AMEX SPG - 30k after $5k in 6 months, $0 AF then $65 after that
Chase Ink Plus - 50k UR points after $5k in 3 months, $0 AF then $95 after that
AMEX SPG Biz - 30k after $5k in 6 months, $0 AF then $65 after that

Justification for why these cards:

Trying to acquire AA miles first for a bunch of trips in 2015, yes, 2015. First class from Hawaii to Chicago, Chicago to London, London to Chicago, Chicago to San Francisco... all for 125k miles per person = winning
BA miles for Avios 9,000 Avios mile roundtrips to get us to and from Chicago so we can use our AA miles for international first class tickets
SPG points (TBD whether to convert to airline miles with the 20k SPG = 25k airline mile conversion or to use for points + cash stays at SPG) plus want SPG because even if we don't convert the bonus to airline miles it is like having a 1.25x point airline mile card which is better than the Citi Cards
Ink Plus because hoping to use the one inquiry from BA and might as well, biggest offer on the business side for Chase
SPG Biz for same reasons, going to have the inquiry so might as well try to get more points

Other cards considered:

Chase United MileagePlus Explorer - because of Chase inquiries, but I'm guessing with her currently holding Freedom and Marriott and being an AU on Amazon, only room for maybe two cards with Chase? Might have to give up the Freedom and/or spread credit lines to get the ones above anyways.
BOA Alaskan Airlines - 30k miles instantly on approval, $75 AF - felt I might be pushing my luck with the inquiries if we throw another one there from BOA, plus 30k miles is okay but not ideal compared to other offers. Really wish the BOA/BOH Hawaiian combo was still around.
Citi Hilton Hhonors - Not because Hilton points are worth much but because it is a no-fee card with some category bonuses that she could use over the long run to increase account age. However, what I've read on FT re:the Citi AA Platinum Visa above is that Citi now won't let you do a personal and a business back to back, have to separated by 65+ days.

Questions:

Should I cancel the AMEX Biz Gold now or use it as bait to cancel to get the AMEX SPG cards?
Should I cancel her US Airways card? It has an annual fee and would bring her total account age up if I am doing my math right. She's already gotten all the bonus opportunities possible on the card. I have one as well (that I'm considering dropping in February) so if we travel on US Airways for the near future we have a few more months of bag-fee coverage.
Should I cancel her Citi Visa just to be sure? Planning on keeping the AMEX for Small Business Saturday to help offset part of the AF.
Any other cards I missed?
Any flaws in the plan that you see?

AOR Deals
g: 0 Posted By: DaysFan
Views: 1 Replies: 0 ↵Kenmore 7.3-cu. ft. Steam dryer $799.99 SUPER BUY http://www.shoplocal.com/sears.fphttp://www.shoplocal.com/sears.fpOffer valid 8/25/2013 through 8/28/2013
*Available in storeReg. $1399.99SAVE 42% on the pair


Kenmore 3.7-cu. ft. Steam washerSears Item# 02641373000 | Model# 41373$799.99 SUPER BUY
washerOffer valid 8/25/2013 through 8/28/2013Reg. $1399.99SAVE 42% on the pairOptional pedestals sold separately.

Gas dryer priced higher. Optional pedestals sold separately.

PlKenmore is America's # 1 appliance brand, trusted in the homes of more than 100 million AmericansSpend less time doing laundry with the Kenmore steam front-load washer 41372 with the Accela-Wash option, which gives you the option of speeding up 7 of this washer's 10 cycles by up to 35%. This Kenmore washer has a built-in heater that produces steam to remove stains by deeply penetrating fabricsit virtually eliminates the need to pre-treat stains. And it has an energy-saving option that you can use with the Normal and Heavy-duty cycles that lowers the wash temperature and increases the wash time, so clothes get clean using up to 30% less energyThe stainless-steel Kenmore 4137 front-loading steam washer takes advantage of technologies such as Kenmore Connect, which can troubleshoot some problems over the phone, and Smart Motion, which uses motions such as rolling, tumbling, stirring and cradling, depending on the cycle you select. Its 1,2000 rpm maximum spin speed extracts water from garments so they need less drying, also saving energy. Sound insulation and an anti-vibration system keep this Kenmore top-rated front-load washer quiet, so you can install it near living areas and bedrooms.Read what http://www.consumerreports.org/cro/2013/04/find-the-best-washing-machines/index.htm says about the Kenmore and another brands.

The Kenmore 41373 3.7 cubic-foot steam front-load washer features Accela-Wash, which gets clothes cleaner, faster by making select wash cycles up to 35% faster*
Steam Treat uses the power of steam to virtually eliminate the need to pre-treat stains
Kids Wear cycle tackles tough soils and stains and adds a second rinse to help protect sensitive skin
10 wash cycles give you plenty of choices, so you can get each load as clean as it can be, while still pampering fabrics
The built-in water heater raises the water temperature for the Sanitize cycle
Maximum 1,200 RMP spin speed removes excess water from the load, so it dries faster

* Compared to an 8-pound load using Normal cycle without Accela-Wash feature activatedus Members Get $70 Back in PointsMembers Only*Offer valid 8/25/2013 through 9/8/2013Plus members get $70 back in points (70,000 points) When you purchase appliances totaling $499 or more plus delivery with your Sears card. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) to earn Bonus Points. Bonus Points are inclusive of, and not in addition to, any Base Points earned on Qualifying Purchases. When Bonus Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. See www.shopyourwayrewards.com for details. Offer not combinable with any other points offers. Total points awarded for all qualifying purchases is 70,000 and includes any base points and Sears card 2% in points earned

Plus Members Get $70 Back in PointsMembers Only*Offer valid 8/25/2013 through 9/8/2013Plus members get $70 back in points (70,000 points) When you purchase appliances totaling $499 or more plus delivery with your Sears card. *Members earn Points on Qualifying Purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourwayrewards.com. Must remain opted-in to receiving promotional emails from SHOP YOUR WAY REWARDS(SM) to earn Bonus Points. Bonus Points are inclusive of, and not in addition to, any Base Points earned on Qualifying Purchases. When Bonus Point offers are combined, total Points earned will be less than the combined Point totals for each individual offer. See www.shopyourwayrewards.com for details. Offer not combinable with any other points offers. Total points awarded for all qualifying purchases is 70,000 and includes any base points and Sears card 2% in points earned
Free 1 issue Robb Report Watch Collector Magazine (digital) @ Zinio
Added on : Friday August 23rd 2013 04:00:08 PM
g: 0 Posted By: LongDongSilver
Views: 170 Replies: 0 http://www.zinio.com/www/browse/deals.jsp?categoryId=1177
Books & Magazines Deals
g: 0 Posted By: labboypro
Views: 204 Replies: 0 *Excludes major home appliances, parts & accessories, Weber & Broil King products, Benjamin Moore Aura paint and online purchases. Good toward the purchase of regular, sale and clearance priced merchandise. Not valid on gift cards, labor, merchandise replacement agreements, Everyday Great Price Items, installed home improvements, special orders, repair service, and protection agreements or as payment on any Orchard Card account. May not be used with any other coupon or offer. May not be combined with any other discounts off of regular price being offered at store closing sales. Must present coupon for discount. Redeem at participating Orchard Supply Hardware Stores. One coupon per purchase. One coupon per person. Customer pays applicable sales tax. Cash value 1/20. Void if copied or transferred and where prohibited by law. Any other use constitutes fraud. In the event of a return, coupon savings may be deducted from your refund. Coupon Valid 8/24/13 to 8/25/13


May also use at other big box stores as competitor coupon-- YMMV. Yes, we know Lowes owns OSH now, but some have reported success (including me) using OSH coupon at Lowes under their competitor coupon policy.
Home & Garden Deals
Free App for iOS and Android: Trimble GPS Fish
Added on : Friday August 23rd 2013 02:00:11 AM
g: 0 Posted By: mapatsfan
Views: 701 Replies: 0 http://get.it/gpsfishfree/8o69#

Catch fish like never before with Trimble GPS Fish Free. This Free version of our Pro app lets you:

+ Record fishing trips. Keep a daily report of your catches.
+ Mark GPS waypoints: docks, fishing hotspots, underwater features
+ Track your boat drifts, trolling paths, and routes from one location to another.
+ Share fish photos with friends.
+ View topo, aerial, and street maps.
+ See basic weather reports
+ Check out sun and moon phases
+ Track mileage, compass directions, and other important stats.

GPS Fish uses the GPS built into your smartphone and works in remote places without the need of data or cellular signals.
Totally Free Deals
Trimble GPS Fish free app for iOS and Android
Added on : Thursday August 22nd 2013 10:00:08 AM
g: 0 Posted By: mapatsfan
Views: 15 Replies: 0 http://get.it/gpsfishfree/8o69#

Catch fish like never before with Trimble GPS Fish Free. This Free version of our Pro app lets you:

+ Record fishing trips. Keep a daily report of your catches.
+ Mark GPS waypoints: docks, fishing hotspots, underwater features
+ Track your boat drifts, trolling paths, and routes from one location to another.
+ Share fish photos with friends.
+ View topo, aerial, and street maps.
+ See basic weather reports
+ Check out sun and moon phases
+ Track mileage, compass directions, and other important stats.

GPS Fish uses the GPS built into your smartphone and works in remote places without the need of data or cellular signals.
g: 5 Posted By: archena
Views: 1238 Replies: 7 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children [Kindle Edition] was $5.99

Sandy Richmond (Author)

http://www.amazon.com/dp/B00EJVRE5U

Publication Date: August 13, 2013

Publisher: Sandy Richmond

Reviews updated now

7 Reviews ★★★★★

#3 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Minimalist parenting is about raising responsible, calm, respectful children without complicating the process. It's about striving to get rid of all the unnecessary things in our lives so that we can focus more on the things that really matter. Children are our future. Let's remember where the focus should be.

Discover:
What minimalist parenting is and isn't (it's not what you think)
what the minimalist parenting approach is to handling a variety of common parenting situations (it doesn't have to be complicated)
4 minimalist themes to guide you (you're almost guaranteed success using these)
tips to help you get started on the minimalist approach
a bonus tip for getting rid of stuff

In the Bonus Report you'll receive additional tips for dealing with negative behavior, road trips, food dislikes, household chores, and more.

So scroll up and grab your copy of Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children
Books & Magazines Deals
g: 0 Posted By: verbage
Views: 278 Replies: 3 Over the last week or so, TechBargains has been listing a decent deal on a moderately high-powered Inspiron 15R Special Edition laptop from Dell. Important main specs are an Intel Core i7 3632QM cpu (Ivy Bridge quad core), 8GB RAM, 1TB hard drive, 15.6" full 1080p display, and a discrete AMD Radeon HD 7730M gpu. The price was reasonable--$799 after discount. I had not pulled the trigger, and was considering other options like an HP Envy 15t-j000 or a Lenovo Y410p/510p as they have newer, Haswell-based cpus. But I found that another $50 off coupon for the Dell was stackable so that finally pushed me over the edge. I swear I have been trying to stack on the initial discount all week, but it has been impossible. So when it allowed me to do it just now, that pushed me over the edge.

The link to the info at TechBargains is http://www.techbargains.com/news_displayItem.cfm/363462. The extra, stackable $50 coupon code is 0H9Q3PQ6L3744C.

Note that this is not the standard Inspiron 15R, which has the extended keyboard with a number pad (I don't like that personally). This is the Special Edition variant without the dedicated number pad. Also, if you are interested in boosting the memory, while Dell says it can only take 8GB, there are plenty of detailed reports that show it can take 16GB.

Here's a complete listing of specs.

Inspiron 15R Inspiron 15R Notebook (Inspiron 7520)
Operating System Windows 8, 64-bit, English
Processor 3rd Generation Intel Core i7-3632QM processor (6MB cache, up to 3.2 GHz)
Memory 8GB Dual Channel DDR3 1600MHz
Keyboard English Backlit Keyboard with Multi-touch Touchpad
LCD 15.6" Full High Definition (1080p) LED Display
Video Card AMD Radeon HD 7730M 2GB
Wireless Driver SRV Software for 2230 WIFI Wireless Card
Hard Drive 1TB 5400 RPM SATA Hard Drive
System Color Stealth Black Anodized Aluminum
Network Card Integrated 10/100/1000 Gigabit Ethernet card
Adobe Reader Document Reader Included
CD/DVD Drive 8X Tray Load CD/DVD Burner (Dual Layer DVD+/-R Drive)
Sound Waves MaxxAudio 4 + Skullcandy Speakers
Wireless Intel Centrino Wireless 2230, 2x2 bgn + Bluetooth
Battery 48 WHr 6-cell Lithium Ion Battery
Laptops Deals
g: 0 Posted By: View
Views: 7 Replies: 0 BBVA Compass is offering another free tablet. IMO it is a slight downgrade from Kindle Fire HD 7 last year. (~200 value to ~169)
But another free(before taxes) tablet shouldn't hurt......
This time the requirements are also higher because 10 visa card transactions with $25 or higher are required...(could be a deal breaker to some.)
http://www.bbvacompass.com/special/201306/samsung/
T&C:SAMSUNG GALAXY TAB 3 Account Opening BonusConsumer checking accounts opened from July 15, 2013 to September 30, 2013, may be eligible for a Samsung Galaxy Tab 3 7-inch (Wi-Fi). Checking accounts are subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. Please review the following information to understand how to qualify for the bonus.Within sixty (60) days of account opening, the accountholder must meet all of the following requirements: (A) at least one qualifying direct deposit of at least $500 from an unrelated third party must post to the account; (B) ten (10) BBVA Compass Visa Check Card transactions of at least $25 each (excluding ATM transactions) must post to your account AND (C) three (3) bill payments of at least $50 each to 3 unique, unrelated third parties through the bill pay service in BBVA Compass Online or Mobile Banking must post to the account . Transfers made from PayPal, ING Direct, or from accounts owned by the accountholder (or related parties) at other financial institutions do not qualify. Bill payments must be completed by the deadline. Payments made by check or person-to-person (P2P) payments do not qualify. Payments made by a third party debiting your account do not qualify.The Samsung Galaxy Tab 3 7-inch (Wi-Fi) will be shipped via UPS or FedEx to the statement address associated with the checking account. Signature will be required at time of delivery. Bonus will be mailed within 90 days of meeting the eligibility requirements. Image shown in advertisement is for illustration only; color may vary according to availability. Account must be open and in good standing at the time bonus is mailed.Offer valid only for new consumer checking accountholders who have not had an existing BBVA Compass consumer checking account within the last 90 days. NBA Checking Accounts are not eligible. BBVA Compass employees and household members are not eligible. Maximum of one (1) bonus per household. Offer not valid with any other offer and subject to change without notice. BBVA Compass may report the value of the bonus to the IRS as required by law. 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. Other limitations may apply.


Deposits Deals
g: 2 Posted By: archena
Views: 192 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children [Kindle Edition] was $5.99

Sandy Richmond (Author)

http://www.amazon.com/dp/B00EJVRE5U

Publication Date: August 13, 2013

Publisher: Sandy Richmond

The Reviews are messed up for this one.

#3 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Minimalist parenting is about raising responsible, calm, respectful children without complicating the process. It's about striving to get rid of all the unnecessary things in our lives so that we can focus more on the things that really matter. Children are our future. Let's remember where the focus should be.

Discover:
What minimalist parenting is and isn't (it's not what you think)
what the minimalist parenting approach is to handling a variety of common parenting situations (it doesn't have to be complicated)
4 minimalist themes to guide you (you're almost guaranteed success using these)
tips to help you get started on the minimalist approach
a bonus tip for getting rid of stuff

In the Bonus Report you'll receive additional tips for dealing with negative behavior, road trips, food dislikes, household chores, and more.

So scroll up and grab your copy of Minimalist Parenting: How You Can Raise Responsible, Calm, Respectful Children
Books & Magazines Deals
Amazon FREE eBooks for Kindle (repost, edited link)
Added on : Tuesday August 20th 2013 09:00:15 AM
g: 0 Posted By: jaarons
Views: 62 Replies: 0 I found this on another Deal site, apologies for the formatting:


Free For Now Kindle Books - Posted on 8-20 with most expiration dates and genreOne, Two ... He is coming for you (Rebekka Franck #1) by Willow Rose
Ends 8/23
Genre Mysteries

http://www.amazon.com/One-coming-...B004WPP8YW

30 reviews, 4 of 5 stars

Publication Date: April 14, 2011
INTERNATIONAL BESTSELLER!

NEW EDITED VERSION.
Another serious page-turner from Scandinavian Mystery Fiction.
Once you start One, Two ... He is coming for you - there is absolutely no turning back.

Book Description:
Set in the Danish coastal town of Karrebaeksminde, journalist Rebekka Franck returns to her hometown with her six year old daughter. She is trying to escape her ex-husband and starting a new life for her and her daughter, when the small sleepy town experiences a murder. One of the kingdoms wealthiest men is brutally murdered in his summer residence in Karrebaeksminde. While Rebekka Franck and her punk photographer Sune try to cover the story for the local newspaper another murder happens on a high society rich man. Now Rebekka Franck realizes that the drowsy little kingdom of Denmark has gotten its first serial killer and soon a series of dark secrets - long buried but not forgotten - will see the day of light.
One, Two ... He is coming for you is the first book in Willow Rose's mystery-series about the reporter Rebekka Franck and her photographer Sune. The second book is called Three, Four ... Better lock your door.
This ebook also includes an excerpt from Willow Rose's newly released shortstory Rock-A-Bye Baby.











The Teacher's Billionaire (The Sherbrookes of Newport Book 1) by Christina Tetreault
Ends 8/20
Genre Romance

http://www.amazon.com/Teachers-Bi...B007M8VCCS

409 reviews, 4 of 5 stars

Publication Date: March 18, 2012
Callie Taylor's life is turned upside down when she learns the truth about her birth following the death of her mother. Not only is her father alive, but he's none other than presidential candidate Senator Warren Sherbrooke.

Billionaire and confirmed bachelor, Dylan Talbot, is devoted to his family. When his stepfather Warren Sherbrooke receives a letter from a past love telling him they have a daughter together, Dylan is instantly suspicious. In order to keep the media vultures away and protect Warren's political aspirations, Dylan convinces Warren to let him handle the situation.

As Callie and Dylan spend time together, they can't resist the feelings that blossom between them. However, when Callie learns the real reason he has been spending time with her their fledgling romance is put in jeopardy and only complete honesty can save it.

This is a Contemporary Romance.

AN EDITED VERSION OF THIS BOOK WAS UPLOADED. HOWEVER, IT IS POSSIBLE THAT SOME READERS PURCHASED THE BOOK PRIOR TO THAT EVENT.


Some of the authors favorite lines:

I'm not sure. Maybe that is how you Englishman say hello to your friends. I've never been to England, Callie teased as she moved her hands to his shoulders. I might need more convincing, she said her voice all business.

There's no place I'd rather stay especially if it means more of your apple cinnamon pancakes for breakfast. Preferably served to me in bed by you completely naked, but I'm flexible.

Sounds like a challenge to me. One I look forward to undertaking.









Chasing the Lost (The Green Beret Series) by Bob Mayer
Ends 8/24
Genre Thrillers

http://www.amazon.com/Chasing-Gre...B00CFADU3

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.











Eternity Base by Bob Mayer and Steven Cooper
Ends ???
Genre Thrillers

http://www.amazon.com/Eternity-Ba...29&sr=1-41

19 reviews, 4.5 of 5 stars

Publication Date: January 21, 2012
From the NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

Maverick federal employee Sammy Pintella, obsessed with uncovering the fate of her MIA father, makes a startling discovery while rifling through some inactive government files. A dozen, faded black and white photos seem to point to the existence of a secret US Military base built in the frozen wastelands of Antarctica during the height of the Cold War.

Aided by Special Forces veteran Dave Riley, she heads for Antarctica. But they arent alone. Spies, North Koreans and other shadowy forces are also en route, because deep inside Eternity Base is something people will go to extreme lengths to get: a cache of nuclear warheads.


A federal employee intent upon discovering the truth about her missing in action father stumbles upon a closely-held secret about an Antarctic military base - a base illegally constructed and which has been kept a secret by a serious of murders. When she and her reporter sister fly to the base for an in-depth probe, murder begins to stalk them in this tense novel. Unlike most military stories this will appeal to general audiences as a fine thriller. Highly recommended, indeed. -- Midwest Book Review

The Green Beret Series:
Eyes of the Hammer
Dragon Sim-13
Synbat
Cut Out
Eternity Base
Z

And Introducing Horace Chase in:
Chasing the Ghost
Chasing the Lost









Chasing the Lost: The Green Beret Series, Book 3 by Bob Mayer and Jeffrey Kafer
Ends ???
Genre Thrillers

http://www.amazon.com/Chasing-Los...29&sr=1-44

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.









The Highlander's Hope by Cali MacKay
Ends ???
Genre Contemporary & Historical Romance

http://www.amazon.com/The-Highlan...00A3M

270 reviews, 4 of 5 stars

Publication Date: November 7, 2012
When Dr. Catriona Ross discovers clues to a long lost highland treasure, her only hope of finding the jewels is to obtain the help of Scotland's most eligible bachelor and playboy, Iain MacCraigh.

Iain can't believe his luck when he finds out the jewels are hidden away somewhere on his land-- and it doesn't hurt that the historian looking for them has curves to go with her smarts. With his brother betting the family fortune, this is the life line he desperately needs.

The odds are against them, and with word getting out about the jewels, they're not the only ones on the hunt. Time's running out, but can they learn to trust each other, or will they lose the jewels and true love in the process?

* This is Book One in the series. *









Amelia's Story by D.G Torrens
Ends 8/21
Genre Bios & Memoirs

http://www.amazon.com/Amelias-sto...B0063PR97

165 reviews, 4 of 5 stars

Publication Date: November 4, 2011
A life of pain and rejection.
This is a powerful true story of one young girls struggle to survive the state care system in the 70's and 80's. Amelia has just one wish, to make it to adulthood, to hold her destiny in her own hands. This is a harrowing true story, one of survival and human strength. Amelia has been separated from all her siblings never to see them again for many years, she is moved from one children's home to another, until finally it's just too much for her to bear. Amelia starts to wonder about the peace and finality of her own death.








Evan Burl and the Falling by Justin Blaney
Ends ???
Genre Fantasy

http://www.amazon.com/Evan-Burl-F...B0090WXO16

87 reviews, 4.5 of 5 stars

Publication Date: May 20, 2013
Discover #1 bestselling novel, Evan Burl and the Falling
My father abandoned me when I was an infant.
My friends have turned against me.
My uncle beats me.
The most powerful men in the world want me dead.
They all have one thing in common.
They think I'm turning into a monster.

I'm starting to worry they're right.

An excerpt from Evan Burl and the Falling
I found myself in a kingdom of stars and clouds. Endless. Deadly. And blue as blood.

Stretching without blemish from one side of the world to the other, the sky was perfect but for one single black speck.

If anyone was watching, they might have wondered whether I was merely napping on a pillow of thin air.

But it was nothing so pleasant.

This was a falling.

For what felt like hours, the whole world seemed frozen below me. Except for the wind, everything was silent. It seemed as if I could stay up there forever. It was beautiful really, whenever I managed for a few moments together to ignore the fact that I was hurtling toward the ground at about 214 miles-per-hour.

I didn't really even feel sick to my stomach.

Until the last thirty seconds.

First, the rolling mountains and hills, which always seemed so solid and unshakable, lumbered toward me like hulking bullies begging for a fight.

Then houses and barns. They popped out of the ground, like grasping hands from a fresh grave. Pulling me down. Into the earth, where I belong.

Ten seconds later, what seemed like a bit of lint stuck to my eyelash transformed into a living human. Then more. Dozens, hundreds of people. Working, eating, anything but looking up to see me plummeting through the sky like a shooting star.

Another ten seconds--far too soon--and the whole world was rushing up at a speed that turned my stomach to acid.

It was the last hundred feet that really tested what I was made of.

Gasping one last lung full of air, I realized in that moment that I was far less brave and far more foolish than I could possibly have imagined.

And right before the end, I closed my eyes.

Because no one can watch a falling.

Praise for Evan Burl and the Falling
"Amazing!" -- Melissa Williard

"The best fantasy book I've ever read" -- Mitsy Princell

"I want more! It just isn't right that's over. Evan Burl is every bit as good as the top YA fiction out there right now, in my opinion, better. The characters are brilliant, each story line is captivating, the content is complex and unpredictable, and I am intrigued to read more." -- Bethany Canfield

"I'll never view a clear, blue sky the same! This book took ahold of my imagination and guided me through the forgotten hallways and secret rooms I've always dreamed of finding. A fantastic story about the burden of knowing one's destiny, and desperately trying to avoid it." -- Eric Nienaber

"Wickedly complex villains so entertaining and terrifying they'll get under your skin and never let go. Evan Burl's world will fascinate you, creep you out and leave you begging for more." -- Mary Weber

"This eerie world and amazing cast of characters grabbed my heart from the first page and never let go. I can honestly say I would do anything to get an advance copy of Evan Burl's next chapter." -- Natalie Medina

"I'm hooked. So many threads of greatness, I can't wait to see how the series ends." -- Annie Biondi

"Justin Blaney creates a wonderful world of intrigue, mischief, and magic that comes alive through vivid storytelling. This is a struggle of good and evil at its finest ... it will have your mind on edge as you race to the end." -- Kari Skinner

"I read Evan Burl and the Falling when I was supposed to be working on my homework. That should speak for itself, it was a fantastic distraction from reality." -- Jessie Crowthe









The Soulmate Experience: A Practical Guide to Creating Extraordinary Relationships by Mali Apple & Joe Dunn
Ends 8/21
Genre Religious & Inspirational

http://www.amazon.com/Soulmate-Ex...004Y5OJUY/

119 reviews, 4.5 of 5 stars

Publication Date: April 26, 2011
2012 International Book Awards Gold Medal Winner in the "Relationships" category
2012 Living Now Awards Silver Medal Winner in the "Relationships/Marriage" category

Create the Love of Your Life--Keep the Life in Your Love

Single, in a relationship, or married: people of all walks of life and all ages are finding this new book on enlightened relationships inspiring, accessible, and truly transformational. This revolutionary guide will help you create and sustain a relationship that is intimately connected on all levels--emotional, intellectual, sexual, and spiritual--and a continual source of love, inspiration, and joy.

In Part 1, chapters like "Loving Your Body," "Reducing Your Baggage," and "Raising Your Soulmate Potential" will help you release anything that might be preventing you from experiencing a deeply connected relationship. As you read, you will quickly begin to feel more loving and compassionate toward yourself, more connected to those around you, and more confident about and creating your own soulmate experience.

In Part 2, chapters such as "Creating a Context," "Turning Expectations into Invitations," "Transforming the Energy of Jealousy," "Exploring the Edges," and "Connecting on a Soul Level" will give you everything you need to approach even the most challenging aspects of relationships in ways that will actually deepen your experience of love and intimacy. You will discover the secrets to keeping the love, passion, and connection in your relationship fully alive--every single day. And you will learn how to lovingly guide each other to release limiting beliefs, heal the past, rise above perceived limitations, and unlock the potential in every area of your lives.

Whether you're on a quest for your soulmate, looking for deeper connection in the relationship you have right now, or just want to experience much more love in your life, the ground-breaking ideas in this book--and the many stories of real people putting them into practice--will fill you with love, inspiration, and possibility. Because The Soulmate Experience isn't just a book. It's a great way of living life.

About the Authors
Mali Apple and Joe Dunn host the very popular community "The Soulmate Experience" on Facebook. They have dedicated their relationship to discovering how to create magical relationships and keep the magic in any relationship alive. Their greatest joy is inspiring others to bring more of the soulmate experience into all their relationships.







The Pursuit of Happiness: 21 Spiritual Rules to Success by Jennifer O'Neill
Ends 8/21
Genre Advice & How-To

http://www.amazon.com/The-Pursuit...007RG

91 reviews, 4 of 5 stars

Publication Date: April 3, 2012
What do most people desire in life? It is not money, it is not even love, it is happiness!

Praise for The Pursuit of Happiness: 21 Spiritual Rules To Success:
One of the best inspirational books I have read in a long time. -- Aulani
These tools help shift your thinking, commit to your dreams and show you anything is possible -- Linda H.
If I find myself in a slump or needing motivation, it's a great resource to get me back on track. It really gave me a sense of peace and clarity -- Annette
The author uses personal example as a means of getting her message across, as well as provides exercises at the end of Spiritual Rules to assist the reader in better accomplishing their personal goals. Her key insights, into different situations, really hit home for me. -- Lamanda A. Nance
The Book:
Learn how unnecessary negativity in your life can be avoided.
Discover how to shift negative thinking into positive thinking.
A positive attitude will change your life, keeping a positive attitude
can be easier then you think when following these simple rules.
Everyone is searching for happiness. This book is a mini-course outlining 21
spiritual rules to finding success when you are in "The Pursuit of
Happiness." The book was designed with a specific purpose, as a guide to
help you tap into your natural ability to be happy. Everyone has the
ability to find happiness in his or her life, yet sometimes you need a
road map. "The Pursuit of Happiness" is your spiritual road map.
Buy a copy and learn to enjoy the journey!









Goddess Legacy: Goddess Series Book 1 (Young Adult / New Adult Series) by M.W. Muse
Ends ???
Genre Romance

http://www.amazon.com/Goddess-Leg...B00B9DN2Z

88 reviews, 4 of 5 stars

Publication Date: January 31, 2013
**An updated file was loaded April 23, 2013, to fix grammatical and conversion issues with the initial book file**

Legacy Kore is an average seventeen year old with your basic insane crush on the hottest guy in school... rather Adin Shepard was the hottest guy in school before he graduated a couple of weeks ago. Now it's summer vacation and she's not sure when she'll get to see him again. Until he shows up at her surprise seventeenth birthday party. Cue saliva glands--it's time to drool.

But her giddiness is cut short when her guardian delivers an emotional blow, telling Legacy her mother hadn't died when she was baby, but that she'd left for Legacy's protection all those years ago. After the initial shock, she expects some story about how her mother was in the Witness Protection Program or something else just as crazy, but when she's told that her mother is a Greek Goddess and that Legacy is changing into one too, she thinks her guardian needs a trip to a mental hospital. Legacy a goddess? Um, yeah. Right. And her BFF is the Easter Bunny.

While trying to make sense out of something that was impossible to believe, Adin asks Legacy out on a date. She is thrilled that her fantasy might become a reality, but when she meets the new guy in town, River, she discovers everything isn't always as it seems, and the legacy she wants just might not be the legacy she is destined to have.

Order of Goddess Series:
Goddess Legacy
Goddess Secret
Goddess Sacrifice
Goddess Revenge
Goddess Bared
Goddess Bound (Releases Early June 2013)
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Need free credit report that shows the credit inquiries
Added on : Monday August 19th 2013 10:00:06 PM
g: 0 Posted By: Silverthunder
Views: 81 Replies: 1 I am trying to look at my credit reports to see what credit inquiries are showing. I saw that people on this and other forums hyped Credit Karma. However, when I pulled my report through them, it didn't give the detail as to the list of credit inquiries. It only gave a total number (I am assuming that's from the last 2 years).

What is a good service for me to use given that I am looking for the full detail? Maybe credit sesame?

I have already used my "1 free per year" from annual credit report dot com
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Dealing with a debt collector
Added on : Monday August 19th 2013 04:00:07 AM
g: 0 Posted By: AvatarZ
Views: 52 Replies: 1 Hey -So last night my credit monitoring noted that a debt collector put a 150 dollar notice on my credit report. I have never received anything from this debt collector though after some internet researcher I think it might have to do with a traffic camera ticket that I thought was dismissed based on the response from the car rental company. Any thoughts for the best way to deal with the debt collector and get it off my credit report without getting sucked into the debt collectors pit?thanks!
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g: 0 Posted By: BennyZz
Views: 185 Replies: 0 Just saw the news. The promotion is offered in some markets in Florida as well as some markets in a few other states in the Southeast. It also states that the promotion includes a $60 mail-in rebate when a Lumia 1020 camera grip is purchased with the phone, which makes the grip free. So instead of paying roughly $300 (phone + grip, Amazon price), you only need to pay $200 + tax. The problem is that we don't yet know which stores have this promotion.Here is the link to the news (not to the sale).http://bgr.com/2013/08/16/nokia-l...-sale-att/I have called a few stores in Tampa, Florida and they do NOT have this promotion. So please report back your findings.
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Toshiba 3TB 3.5" Internal Drive $109+FS Amazon
Added on : Friday August 16th 2013 07:00:03 PM
g: 0 Posted By: chilig
Views: 185 Replies: 0 I bought one of these on Newegg a couple of weeks ago and it's fast quiet and hasn't crashed. So was just waiting for another decent FS price. Here it is.linkIt's listed as: DT01ACA300
I've read that model PH3300U-1I72 reports as DT01ACA300 once you plug it in - just retail packaging.
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g: 4 Posted By: remick
Views: 420 Replies: 1 http://www.amazon.com/The-Last-Drop-Operation-ebook/dp/B001HN6C2...Operation Varsity was the last major airborne offensive of World War II and remains the largest and most successful single-lift drop in history. Conducted by the British 6th and the American 17th Airborne Divisions, the goal of the operation was to cross the Rhine River and gain a foothold in Germany. Drawing on war diaries, unit histories, after-action reports, and interviews with veterans, The Last Drop details the horrors of parachuting through flak-filled skies, the dangers of piloting a glider safely to the ground, and the struggles of infantry combat, and shows how thorough training, extensive planning, solid execution, and sheer guts combined to make Operation Varsity a stunning victory.
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g: 1 Posted By: remick
Views: 208 Replies: 0 http://www.amazon.com/The-Last-Drop-Operation-ebook/dp/B001HN6C2...Operation Varsity was the last major airborne offensive of World War II and remains the largest and most successful single-lift drop in history. Conducted by the British 6th and the American 17th Airborne Divisions, the goal of the operation was to cross the Rhine River and gain a foothold in Germany. Drawing on war diaries, unit histories, after-action reports, and interviews with veterans, The Last Drop details the horrors of parachuting through flak-filled skies, the dangers of piloting a glider safely to the ground, and the struggles of infantry combat, and shows how thorough training, extensive planning, solid execution, and sheer guts combined to make Operation Varsity a stunning victory.
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Waiving annual fee Chase, Citi, others....
Added on : Wednesday August 14th 2013 04:00:10 PM
g: 0 Posted By: BenH
Views: 75 Replies: 1 My year anniversary is coming up on my last AOR in about a month.Chase Sapphire Preferred
Chase Marriott
Citi AA
Chase Ink Bold Plus
Amex Plat
I use the first 3 listed regularly for business travel and would like to keep using them, but I'm not sure I want the annual fee.
I'm thinking keeping the Marriott and AA are worth it for the perks alone (free night and free bags worth more than the annual fee)... but I'd rather not pay the fee if I don't want.What luck has anyone had with Chase and/or Citi in getting these fees waived?If any, what is the tactic?I'm thinking that the best way to approach it is to say I have big charges coming up (more travel, etc) and I'd like to put it on the card, but not if I have to have the fee.Others have reported similar tactics working to get an offer of points or similar, I'm wondering if this would work for annual fee.Please share your experiences.thanks
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Verbal job offer accepted, how to proceed?
Added on : Wednesday August 14th 2013 10:00:05 AM
g: 0 Posted By: pinkbunnyslippers17
Views: 34 Replies: 1 I'm hoping I can get some advice on how to proceed. My situation is: I verbally accepted an offer of employment this morning (from Company #1) and the official paperwork/offer letter is forthcoming (authorized signatory for the letter is OOTO until Monday, so they're either waiting for her to get back or trying to find a way for that to happen in the interim). A second company has called and left a voicemail and I am thinking it is to make me a job offer as well. I'm hesitant to call Company #2 back and decline until further validation from Company #1 can be received in the form of the letter. I recognize often times offer letters are basically worth the paper they're written on and that they can be rescinded - I've literally had jobs taken away the weekend before I was to report. I should also mention 6 months ago I interviewed at Company #1 for another position and got through to the last stage of interviewing and the job was then taken off the table for budgetary reasons, hence my apprehensiveness to put all my eggs in their basket right now. I've been unemployed for 10 months and really need a job, and Company #1 is my first choice anyway.I don't want to just ignore Company #2's phone call, but I also don't want to cut them loose on the off chance that company #1 flubs up in some way. Thoughts?
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Not paying negative balance on paypal -anyone else?
Added on : Monday August 12th 2013 02:00:10 PM
g: 0 Posted By: welookgoodcom
Views: 84 Replies: 3 Have another thread regarding the issue in auction. (Basically sold something on eBay, 1st time in a yr, buyer received it via delivery confirmation (and mail carrier remembers giving it to him), and buyer claims not received same day knowing it was just over $250 so needed signature confirmation to qualify for seller protection. Right now it's on appeal with paypal.)Anyway I have the negative balance on paypal for just under $300. I read things on the web that said just pay(take the loss, move on), others say to just walk away and not pay it as paypal can do very little. However I still think something on the credit report even from paypal might hurt my existing credit or prevent future cc bonuses.Curious if anyone else has been in this situation and what they did. I am leaning toward just taking the loss after my appeal is heard with paypal but want to explore all sides.
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g: 0 Posted By: archena
Views: 87 Replies: 0 http://www.bestdealmagazines.com/title.asp?title=CONSUMER+REPORTS+[WITH+BUYING+GUIDE]With code FATWALLET16 - Price is $20.12With code VALUE17 - Price is $19.88pulled from SD
Vehicle Warranty information - Route 66 through PENFED?
Added on : Monday August 12th 2013 06:00:07 AM
g: 0 Posted By: JuNooNi
Views: 107 Replies: 0 I am in the market for used Lexus ES 350 and we are almost finalizing the vehicle. I am looking into 2007 ES 350 (with all options including Nav e.t.c). The vehicle has only 20K miles, I know it's crazy low for almost 7 year old vehicle but I already checked out the carfax report and talked to the ownser and it all seems fine. I am also trying to take advantage of PenFed car loan buying services and hence probably apply for their loan. One of the offer that was popped up during the application process is the this route 66 warranty information.https://www.penfed.org/Route-66-Extended-Warranty/Now I am wondering if anyone has experience in using this warranty as compared to manufacture extended warranties. Also I am not sure, if we can get the manufacture extended warranty on this 2007 vehicle at this point. I think the time limit was 4 years or 50K miles. Thanks for reading and any suggestions!
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g: 0 Posted By: archena
Views: 461 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
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FREE Kindle Book - Mercury and Social Anxiety (Parenting) was $7.99
Added on : Sunday August 11th 2013 07:00:11 PM
g: 0 Posted By: archena
Views: 78 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
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g: 0 Posted By: DaysFan
Views: 195 Replies: 2 QuickBooks Enhanced Payroll 2013
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g: 0 Posted By: DonkeyMonkeyDog
Views: 6 Replies: 0 15 years ago, when I was young and irresponsible, I defaulted on my American Express Optima card, on something like $6000. Today, older and wiser, my credit is strong, and my credit score is around 750. About 6 months ago, I applied for an American Express Blue Cash card---and to my mild surprise, I got approved (!) for a $2000 credit limit.I've since learned that they "re-opened" my account with them. On my credit report, the American Express card is listed as being opened about 17 years ago.I've applied for a credit line increase through American Express, and I get turned down. The stated reason: "Your American Express account(s) indicated previous delinquencies."Did American Express make a mistake in granting my a credit card at all? Did they make a mistake in "re-opening" my Optima card?And, will I ever, ever, ever get a credit line increase?Yes, I tried their re-consideration line. No luck.
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Added on : Friday August 09th 2013 11:00:05 AM
g: 0 Posted By: Table83
Views: 0 Replies: 0 A couple months ago I posted on my boss denying me tuition assistance.
http://www.fullofdeals.com/forums/finance/1268937/?start=40Basically my boss was denying me tuition assistance. Worth 5k a year. Last year I only took one class and couldn't afford more. This year am fully enrolled in an accounting masters program on loans.You advised me not to go to HR, but to look for a new job. I did so and expect an offer at a great company in a similar role early next week. You also advised me to start taking notes, which I have done. My boss is clearly doing illegal things and I have notes of her doing everything from threatening me with an action plan for simply disagreeing with her, to yelling at me, to the me relying on her word for tuition assistance and then denying me. Honestly I want to just leave and be done with this place, but my co-workers are suffering from her wrath too. She currently has 8 employees and has at least two on 90 day last chance agreement and another one on an action plan. (I expect that she would have put me on an action plan at the end of this month during my mid year review.)I don't want to take any action against her that could hurt my career down the road.What would you do?A) Let it go. I'm done with her and am glad!B) report it to HR on my exit interview?C) take legal action for the tuition assistance and bullying?D) file a complaint with some government agency? Which one?
I am honestly leaning towards A because that puts me in the safest situation, but if someone would have spoken up before I got in this position she would never have been allowed to stay in management. All advice is greatly appreciated.
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g: -1 Posted By: makinbutter
Views: 25 Replies: 0 I've recently had a lot of trouble getting vr with cc and debit at a gas station that rhymes with heaven e-beven. I haven't seen this reported elsewhere--anyone else having issues? I've tried on several different days at two stores with two different ccs.
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FinCEN and You. The Laws Behind Trying To Manufacture Spend.
Added on : Thursday August 08th 2013 09:00:17 PM
g: 9 Posted By: BenH
Views: 761 Replies: 9 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all. UPDATED DISCLAIMER: This is meant to be an informational post to understand things on the back-end a bit better. Even with full understanding it is unlikely to help you net a higher spend. Individual retailers have different policies and those policies are often misunderstood or unevenly enforced. Thread title updated to clarify).After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and he became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
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FinCEN and You. What you need to know for Manufactured Spending.
Added on : Thursday August 08th 2013 05:00:17 PM
g: 1 Posted By: BenH
Views: 141 Replies: 1 (TL : DR - My interpretation of the federal regulations and how/why retailers implement policies relating to GC purchase. This isn't a skimmer though...if you are interested, read it all)After months of being told different stories by various employees of retail stores while trying to purchase GCs for credit, I was beginning to get a bit fed up. After being denied for 2x$500 cards at my one remaining "safe" WG store, I had a face-to-face with the store manager regarding their policies. This manager, a suited gentleman in his mid 40's (first time I'd seen a WG manager in a suit) spoke with me candidly for about 15-20 minutes. He informed me that he was the "community leader" for multiple WG stores in the area. He began by espousing that the $500 limit was some type of law. I challenged him on this, and became a bit flustered. To his credit, he took the time to research with me the information he had on hand. The manager continued to claim that there were various laws that governed their policies, but conceded that the limits seemed somewhat imposed internally and he couldn't tell me precisely what laws they were subject to. I left without a complete understanding of why WG implements the policy they do, but the desire to know more. Before I discuss exactly what he told me, it is important to understand (or at least try to understand...) FinCEN. FinCEN is the Financial Crimes Enforcement Network, a division of the US Treasury department. FinCEN are the ones that instituted the BSA (Bank Secrecy Act) and the KYC (Know Your Customer) initiatives that many of us are familiar with. Their main purpose - track money exchanges to help combat terrorism and money laundering.So what does this mean to the FWF community and those manufacturing spend (churners) specifically? Well, many of our activities, while legal, can appear suspicious in certain circumstances - not unlike those of criminals.FinCEN issued a rule in July of 2011, called the "Prepaid Access Rule" to which they issued a final amendment in September 2011. The dates for compliance with all of these rules was apparently January 2012. These rules and regulations have been around for a while (over a year) and yet it doesn't seem that all organizations are aware of what it actually means or how to implement it. It seems, like in many cases with newer laws, that those subject to them are going to be as careful as possible until they are more fully understood.There is a lot of data on FinCEN's "Rule". IANAL - and wading through it is very difficult for one not familiar with how to interpret U.S.C. Laws get amended and repealed and it is difficult to know what the most up-to-date information is. I am sharing my initial research here for discussion by the community. This is not a thread about how-to-game the system. Nor is this thread meant to be waived over the heads of retailers who don't seem to know the laws themselves. This is meant to educate us on what the actual laws say and to understand how and why certain retailers may be implementing certain policies.It is hard to know where to start, but I'm going to use this July 2011 news brief from FinCEN titled "FinCEN Issues Prepaid Access Final Rule Balancing the Needs of Law Enforcement and Industry.". The brief references two issues of the Federal Register defines much of the terminology being used.Important Terminology:MSB (Money Services Business) - This is a pretty obtuse term used throughout the various documentation. This linked definition is the best, most concise I can find. Basically, if you issue cash, check, money orders, stored value (prepaid), etc in the amounts greater than $1000/day in any one category you would be considered an MSB (banks and SEC/Commodoties brokers excluded). You can search the database of all registered MSBs here. However, not all MSBs must register with FinCEN however.For example, if I search all "Providers of prepaid access" in Chicago, IL - I get only two hits:

Order Express, INC - a company that appears to do money transfer to Latin America
You Too, INC - A restaurant company - seemingly listed because they provide gift cards to their restaurants.

If I search "Sellers of prepaid access" in the same area, I get dozens of hits, most of which are Currency Exchange locations.So, why aren't all the Supermarkets and Drugstores that sell prepaid cards listed here?Well, according to the news brief above:FinCEN Brief said: Sellers are retailers of prepaid access devices. While sellers are not required to register with FinCEN (just as no MSB that operates solely as an agent for another MSB is required to register),...
Therefore while both Sellers and Providers could be considered MSBs, apparently sellers don't have to register with FinCEN. But...
FinCEN Brief said: ...they must maintain an anti-money laundering program if the prepaid access product offered is covered by the rule
What prepaid access products are covered by the rule?

Well this FAQ helps (along with the previously linked info) define them. Basically, they seem to include all prepaid access instruments with these exclusions:

Excludes government funded and pre-tax flexible spending for health and dependent care funded prepaid access programs. - Relatively self explanatory
Exempts closed loop prepaid access products sold in amounts of $2,000 or less - A closed loop product is one that can be used at a particular store (or chain) only. So, if Toys R Us issues gift cards in amounts less than $2,000 they would be exempt from the rules that govern prepaid access programs.
Exempts from the rule prepaid access products of $1,000 or less and payroll products if they cannot be used internationally, do not permit transfers among users, and cannot be reloaded from a non-depository source. - This would seemingly exclude all the reloadable GCs that we are familiar with. The key here seems to be the "non-depository source." A depository source would basically be a card that is reloaded at your bank, or directly via ACH, etc. The FAQ states: "Re-loads that are not made through a depository institution would include but are not limited to, reloads through retail store transactions (e.g., cash, check or credit card), wire transfers originating at money services businesses, or checks payable to a payee other than the provider of prepaid access." Therefore, all retail loads are not exempt because they are "non-depository." The exception here would seem to be debit card. Yes - it may actually be reasonable for a retail establishement to deny the use of cash and only accept debit because the source is instantly verifiable.

The brief continues...

FinCEN Brief said: ...and can be used without a later activation process that includes customer identification;
The above is true of most pre-paid cards you purchase. You don't need to identify yourself to use them.

...and continues...

FinCEN Brief said: ...or if a retailer sells prepaid access products (regardless of whether offered under a prepaid program) providing a portal to funds that exceed $10,000 to any person during any one day.
I'm not fully clear on this last rule. But, presumably, if I can buy a re-loadable card that will allow me to load over $10,000 on it (regardless of when I load, just that it could potentially provide access to $10,000 in funds) then they are subject to the above regulations.

So, are these retail locations (Supermarkets, Pharmacies, etc) considered "sellers" of prepaid access?

A very insightful administrative ruling, FIN-2012-R003 from FinCEN discusses the distinction further. It is defnitely worth a read. One interesting snippet:

FIN-2012-R003 said: If the Company sells a prepaid product from a defined MSB prepaid program that can be used before verification of customer identification, the Company would be a seller of prepaid access. The company also would be a seller of prepaid access if it sells any type of prepaid access, regardless of whether it is from a defined MSB prepaid access program or from another prepaid access arrangement, without having implemented policies and procedures reasonably adapted to prevent the sale of such prepaid access to funds that exceed $10,000 to any person during any one day. However, if the Companys prepaid access sales only involve products other than prepaid access products from a defined MSB prepaid program that provides access to funds prior to customer identification, and the Company has implemented policies and procedures reasonably adapted to prevent the sale of prepaid products that provide access to more than $10,000 to any person during any one day, then the Company would not be a seller of prepaid access.
The first sentence seems to clearly indicate that if you sell a prepaid product that can be used without verification you are a seller. It seems that the latter half states that if you are only selling products that require customer verification, and have policies that limit access to less than $10,000 a day you are exempt from "seller" status. For example, if I only sell a pre-paid card that requires you to register it with your name and has a maximum balance of $8,000 - then I might be excluded from being a seller.

"Sellers" and "Agents" or "Agent MSBs" are synonymous (based on my research)

It seems to break down like this:

A bank, like BankCorp, issues prepaid cards for a provider network, like InComm (Vanilla). The bank (being a bank) is not an MSB (although it has its own sets of requirements, e.g. BSA).
InComm is a marketer/distributor and while I don't actually see them listed on the MSB registration page, ITC Financial Licenses and IH Financial Licenses, Inc. are (see fine print here for relationship) are listed.
These MSBs work with retailers as their "agents" or "sellers".
Blackhawk Network/GiftCardMall.com is another example of the relationship between these MSBs and their agent retail locations.

An organization doesn't need to register if it strictly serves as an agent for another MSB. However, the parent MSB may require its agents to comply with certain policies. According to the FAQ referenced above:

FinCEN FAQ said: Sellers of prepaid access will need to develop and implement an effective AML program, report suspicious activity, and comply with recordkeeping requirements related to customer identifying information and transactional data. Sellers, as agent MSBs, will not have to register with FinCEN as MSBs.
In summary, it would seem that all of these retail locations are sellers/agents and, while they don't need to register, they still must comply with certain reporting rules and maintain a level of internal compliance. This compliance was mandatory as of March 31, 2012.So what/when does a seller need to file and how do they do it?Well previously they were done with the following two forms:104 - CTR - Currency Transaction Report - "This Currency Transaction Report (CTR) should NOT be filed for suspicious transactions involving $10,000 or less in currency"109 - SAR - Suspicious Activity Report by MSB - "provides complete protection from civil liability for all reports of suspicious transactions made to appropriate authorities" and agents who report this activity "may not notify any person involved in the transaction that the transaction has been reported." Additionally, "Any transaction conducted or attempted by, at, or through a money services business involving or aggregating funds or other assets of at least $2,000" - What is interesting to note is that there is no defined time period for the aggregate purchases and the form seems to indicate that it can span any length of time.As of April 2012 however it seems these forms are deprecated and all filing is done electronically here. It appears however that these forms are still used to collect information at P.O.S and can then be e-filed.Ok - so we are know familiar with a bunch of this terminology and some of these procedures. But, the real questions still remain:

Is it legal to buy/sell prepaid for credit?
What is the maximum amount of prepaid I can buy/sell?

#1 - I can't find anything that discusses the tender in which you use to purchase the cards (other than the non-depository exclusions listed previously).
From a terrorism/money laundering perspective, I don't think it matters to the government. Money launderers aren't looking to charge a bunch to a credit card - they already have the money, and they are looking to launder it.Therefore, I believe the policy to sell or not to sell for credit is strictly a store policy. This policy would most likely be in place to protect the store from "shrinkage" - basically theft/fraud/loss with invalid/stolen cards. It is quite possible that the prepaid provider networks that work with the store help in setting this policy. The question here is, if I buy with stolen/invalid cards, who pays? The provider network or the store? It is also possible that there are local state or city laws that set these limits with credit in an attempt to curb theft. That is a whole other topic - but at this point, I am unaware of any laws (or even concrete provider/seller policy) that restricts credit usage.#2 - Here too, there doesn't appear to be a limit, legally, as to what can be transacted. It seems that staying within certain limits only means that an entity may or may not qualify as a provider or seller for purposes of reporting and compliance. What is important is that the MSBs, and their agents, enact viable Anti Money Laundering (AML) policies, file Suspicious Activity Reports (SAR), and file Currency Transaction Reports (CTR) when applicable.I'm currently under the belief that the restrictions put in place by various retail establishments have been enacted alongside guidance of their MSBs to meet the following criteria:

A workable AML policy - This is not clearly defined by FinCEN, so I believe many err on the side of caution. They say "If we only allow $1000/day/person" that is well under any suspicious limits - so that's a good policy.
Mitigate aggregate spending in excess of $10K - An MSB or its agents would have to file a CTR if the aggregate spending by a person was over $10,000/day. If every WG allowed me to purchase $2000/day, I could easily hit up 6 of them in a matter of hours. This would mean that the MSB (through its agents) sold me $12,000 in a day. Since there is no easy way for them to track this, they can't very well file a CTR. Therefore, as part of their AML policy and to mitigate any CTR filings, they keep the limit low enough that it would be unlikely for me to reach it.

As for WG's policy? According to their internal handbook which the store manager looked at online with me. The policy is written such that even after he was looking at it for 10 minutes he couldn't 100% interpret it. At its strictest interpretation is seems they have a $500/day policy for all GC purchases. At its loosest, its $500/day in each type of card (meaning from each provider network, or parent MSB). It also doesn't matter how you pay - cash or credit - the limit is still there. Again, this is likely a very tight policy meant to limit the liability of both WG and their provider networks.I hope this was helpful to some of you in understanding the basics. I don't claim to have it all correct - but I think I have a pretty good start. This is a work in progress, and I'll try to update this once I finish looking at some more of the documentation I've found. I also encourage you all to research and contribute here. If we are lucky we have some people in the legal profession, or those that work with some of the companies involved and can give us some better insight.Here are some other references I found while researching. Some of them give pretty nice synopsis of what I discussed above, but I wasn't able to find them until I actually knew what I was looking for:FinCEN Webcast on the final rule (found this after I wrote this - *great* primer):
http://treas.yorkcast.com/webcast/Viewer/?peid=65574c79c23846088...FinCEN MSB Money Laundering Prevention Guide
http://www.fincen.gov/financial_institutions/msb/materials/en/pr...FinCEN Rulemakings:
http://www.fincen.gov/statutes_regs/bsa/regs_proposal_comment.ht...Interpretations of the Rule from various law firms:
http://www.srz.com/fincen_issues_final_rules_and_interpretive_gu...
www.baileycavalieri.com/128-Client%20Alert%20Memo.pdf
http://www.mofo.com/files/Uploads/Images/110805-FinCEN-Access-Ru...
http://www.pillsburylaw.com/siteFiles/Events/FinCEN's%20Proposed...
General Economics Deals
29 Free kindle Books
Added on : Thursday August 08th 2013 07:00:06 AM
g: 2 Posted By: remick
Views: 110 Replies: 0 Easy Etouffee [Kindle Edition]
http://www.amazon.com/Easy-Etouffee-ebook/dp/B00B89OGQQMediterranean Cuisine: 120 Easy and Delicious Recipes for Happy Family Meals (European Cookbook Series) [Kindle Edition]
http://www.amazon.com/Mediterranean-Cuisine-Delicious-European-e...Kale Recipes: Nature's Healthy Superfood For Beautiful Skin, Disease Prevention & More! [Kindle Edition]
http://www.amazon.com/Kale-Recipes-Superfood-Prevention-ebook/dp...Eat Like a King For Half Nothin (Cheap recipes for broke students) [Kindle Edition]
http://www.amazon.com/Nothin-Cheap-recipes-students-ebook/dp/B00...
Great Battles of the American Civil War - Chickamauga [Kindle Edition]
http://www.amazon.com/Great-Battles-American-Civil-ebook/dp/B00B...The Battle of Roanoke Island North Carolina - A History [Kindle Edition]
http://www.amazon.com/Battle-Roanoke-Island-Carolina-ebook/dp/B0...Hangings, Sinkings and Trust in God: Life and Death onboard British Warships during the 1700's and 1800's [Kindle Edition]
http://www.amazon.com/Hangings-Sinkings-Trust-God-ebook/dp/B00CD...The Crusades: A Very Brief History [Kindle Edition]
http://www.amazon.com/The-Crusades-Brief-History-ebook/dp/B00A9N...Space Shuttle Challenger [Kindle Edition]
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20 Tips for Etsy Success: Avoid Costly Mistakes and Boost Your Sales [Kindle Edition]
http://www.amazon.com/20-Tips-Etsy-Success-ebook/dp/B00DSUB346CONCEPTS OF SIX SIGMA [Kindle Edition]
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http://www.amazon.com/Dare-Believe-Healings-Miracles-ebook/dp/B0...The Crowd; study of the popular mind [Kindle Edition]
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Books & Magazines Deals
kroger fuel points on variable load cards ending 8/18
Added on : Thursday August 08th 2013 07:00:06 AM
g: 0 Posted By: Blluitt
Views: 36 Replies: 0 let this serve as a heads up to stock up for the next month over the next week.
this applies nationwide.
not certain if cutoff is 17th at midnight or 18th at midnight, so plan accordingly.
this has already been implemented in south eastern markets (ATL) for a few weeks, so there should be reports of the cutoffs from our southern members.
Credit Deals
Sick with noro virus on celebrity cruises Alaska
Added on : Wednesday August 07th 2013 09:00:06 PM
g: 0 Posted By: junkmailncrap
Views: 77 Replies: 1 I caught the noro virus on a nine day celebrity cruise to Alaska. My calls to the doctor on the ship were all unanswered. I later found out that A hUge percentage of the ship was sick. i didn't bother checking into the infirmary as no one returned my calls and i was too weak to move. I simply quarantined myself in my cabin and drank chicken soup when I wasn't busy in the bathroom...
I emailed the cruise line when I recovered to demand reimbursement for the 5 days that I was locked in my cabin. My reasoning being they knew by the second or third day that there was an out break. The cruise ship didn't take precautions until the fifth day. Which was too late for me. I stated the cruise had an obligation to serve me clean food and warn me if there were an outbreak. A third of the dining guests were missing by the 3rd night. I also found out they purposely under reported the number of crew member. It was clear that a large amount of crew members were ill but the CDC report I read stated they only had 9 ill crew members.What upset me was they told me since they have no record of me being ill they didn't have an obligation to reimburse me. I told them that they can confirm with the person who made up my room who knew I was sick. They then came back and told me they can offer me $50 on board credit for my next cruise. All further emails to the cruise line were ignored.
You may say Its my fault that I got sick but as someone who understands how the noro virus is spread I would have taken precautions if they announced it sooner.Any advice on how I can pursue this matter? It's a matter of principle as I took vacation time off for this trip and all I did was barf for a week.
Question Deals
g: 0 Posted By: timingsright
Views: 236 Replies: 0 Was browsing the ntxtools.com site for my usual tools search and I came upon this nifty little item. I am buying one right away for my teenage driver!
I would say it is an excellent tool to keep an eye on your kids when they drive without being a hawk or too intrusive on their privacy. However, we owe it to them to make sure they drive safely and use common sense. This nifty tool plugs into the OBDII port on your car (don't worry, for those not familiar with the port its easy to find online and just plug it in...I have included a picture to help you out) and whenever you want you use the included USB cable to attach it to your computer and download the information stored on it. It stores speed information, trouble codes, and other important data for the car.
Get it HEREFrom the site:
The INFOLOGGER Data Recorder records vehicle Diagnostic Trouble Codes (DTCs) and live data (PIDs) for OBD-II and EOBD vehicles. Simply plug InfoLogger into the vehicle's OBD II / EOBD plug and record the data for each trip driven. Visit the InfoLogger website to download the InfoLogger PC software using the included USB cable, then effortlessly upload the recordings to your PC. Easy to use software allows you to review the vehicle DTCs and PIDs, print reports and view data graphs. Compact size allows tool to be left plugged in at all times for ease of use.
Features:

Compatible with ALL 1996 and newer cars and light trucks (OBD II, CAN & EOBD)
Review and print vehicle diagnostic reports
Record Up to 24 hrs of data or up to 32 starts (Storage may differ according to the use of vehicles)
Speed Warning feature
Graph 4 data (PIDs) at one time
Multilingual software: English, Spanish, French, Italian and German
Plug-and-play tool with compact design
Automatic recording of data without human interference
User-friendly interfaces and clear display of data
Remote diagnosis through connection with InfoLogger website
This tool does not clear codesIf you spend more than $100 you can save $5 by entering "N05" into the box at checkout. Spend more than $250 for free shipping across the board. I posted another deal for ntxtools.com, for gearwrench combination ratcheting wrenches that were a BOGO. Pair these 2 items together and save some cash.
Tools & Automotive Deals
3 years of a leaky roof now I have mold in my condo?
Added on : Wednesday August 07th 2013 09:00:15 AM
g: 0 Posted By: Scotty2Hottie
Views: 41 Replies: 1 Apologies in advance if this is in the wrong area. But I'm in desperate need of some outside advice.
I have had my roof leak every season (California weather) for the last three years and this year I got fed up. After coming home to a very large puddle in my doorway.I contacted my HOA This time around in regards of getting a mold inspection done and they advised me that they would send their own inspector at no cost to me. They did so and the inspector did find what they called "Trace amounts of mold" After that they did send out two contractors for remediation bids. It's at this time where I requested copies of the inspections and remediation recommendations. I emailed them three times in regards to this and have not got ANY reply at all since.
Talking to both inspectors at the time that came and did the remediation inspection, I have gathered that drywall needs to be replaced, wood beams need to be treated and carpet and padding needs to be replaced.Fast forward two weeks ago Still no contact or reply from the HOA. But I did get a call from one of the inspectors stating they would like to start work. I then asked the gentleman what their plans were as far as taking care of the mold. They had got the approval for drywall replacement, treating the wood and carpet cleaning only.This sounds like they are trying to do everything minus the carpets. this made me a bit concerned because both inspectors advised me carpet replacement is the industry-standard and mold in the carpets is health risk aswell.I am frustrated in the fact that they would not furnish me the inspection reports Nor willing to replace the carpets as per the inspectors verbal recommendation at the time nor will they reply to my emails.I am a first-time home/condo Owner and really not familiar with what to do at this point. I'm assuming I might have to get a lawyer involved.. But I do not have much money as I am living paycheck to paycheck..Is there anything the city can do for me as far as it being a health violation? I am on the verge of just giving in to the HOA and letting them do as they want.Any advice is welcome..
Personal Finance Deals
Old stock certificates have been cancelled -- Can I recover them?
Added on : Tuesday August 06th 2013 05:00:08 PM
g: 0 Posted By: LornaKansas
Views: 101 Replies: 1 I own(ed) 1,800 shares of stock that I purchased back in the 90s. I am NOT an experienced investor -- I just bought this stock at a friend's suggestion -- so I didn't know that if the stock remained "dormant" for a certain number of years, the stock certificates would be cancelled. The good news is that my friend was right, and 1,800 shares of this stock are now worth around 16K. The bad news is that the stock transfer agent (which is Computershare), does have a record of my stock, but now lists the stock certificates as "Cancelled."I paid for a printed report (re-build) of my account from Computershare, and in the "Surrender Reason" column is simply says "transfer." When I go to Computerstock's website, I am able to see the stock certificate numbers, but under the "Issue Reason" column it says "Prior Agent Transfer Up." Then they list the "Status" of all of the stock as "Cancelled."What, if anything, can I do to get the stock back, or reinstated, or whatever the correct term is? Any advice would be sincerely appreciated.
Personal Finance Deals
Explain Fannie Mae and Freddie Mac to me
Added on : Tuesday August 06th 2013 07:00:10 AM
g: 0 Posted By: HiLine
Views: 45 Replies: 0 As I understand it by reading various articles, Fannie Mae and Freddie Mac basically made 30-year mortgage market possible since they guarantee the liquidity of these super-long-term mortgages by buying the mortgage-backed securities from lending banks. You can correct me right here if this collected knowledge is not right. But assuming these premises are somewhat close to reality, I have several ensuing questions:1. Did Fannie Mae and Freddie Mac not have a mechanism to assess the risk associated with the underlying mortgages and totally entrust the lenders to assess and report the risk?
2. If we eliminate Fannie Mae and Freddie Mac, will the 30-year mortgage market vanish as well unless we replace them with another government entity that assumes the same responsibilities?
3. What do you think is the most likely outcome of the government's effort to wind them down?
General Economics Deals
How to deal with debt from a foreclosed lot
Added on : Monday August 05th 2013 08:00:12 PM
g: 0 Posted By: Pigtwo
Views: 117 Replies: 1 I bought a lot in 2006 for a very cheap price (~$3500). Annual cost (HOA + mowing + tax) was around $1500 / year. I have been paying these in the first few years. As year goes by, I no longer want to own it and was willing to give it up for $0 just to avoid paying the annual expense. There was no buyer after listing it for a year. I then searched for ways to donate or give it back to the county. Contacted a lawyer and was told the only way to get rid of it was to not pay any fee/tax so that the county will file lawsuit against me. Then they will foreclose the lot and take it back.A few months ago, the foreclosure process completed and one guy paid the un-paid tax and took over the lot from the court. I was happy it was finally gone.However there was still around $4000 HOA + mowing fee unpaid. The HOA sent me a notice saying they are going to file a lawsuit against me to collect this money. Question:1) I purchased the lot with cash and don't think I had provided my SSN to the county / seller when buying the lot. No bank got involved.
2) How should I respond to the HOA/their lawyer? Can I ignore them?
3) Can they still mess up my credit report without having my SSN?
4) What is the best way to deal with this situation?Hope this can serve as a lesson to other people. Thanks in advance.
Question Deals
g: 0 Posted By: FatWallette
Views: 0 Replies: 0


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Advice wanted: Burglary at retail location
Added on : Monday August 05th 2013 07:00:12 AM
g: 0 Posted By: i3ighead
Views: 105 Replies: 0 I always come to you guys since you are the family that says it like it is even if it isn't something that you want to hear.Thief twisted off the outside portion of our lock with a pair of vise grips. Got in and took about $3-$4000 worth of items. I havent done inventory yet. Locksmith at that time of the night cost us $240 to replace the Mortise. Charged us $185 for a piece of equipment that cost $15. But that is besides the point.Will most likely file on our Liability in order to get compensated for missing goods and also for the locksmith. Have to go down to the police station first with a report of all missing items tho.Am I missing anything? Is there anything that I can do in the future as a deterrent. I was thinking of the 3M glass but that isn't a deterrent. Looking into hideaway or roll away gates so they will just leave us alone. Let me know and thanks! Will be happy to add any addtl info I may be leaving out.
Personal Finance Deals
$11-22/nite Florida next 2 weeks, also free California vacations
Added on : Sunday August 04th 2013 05:00:13 PM
g: 1 Posted By: SinglePapa
Views: 685 Replies: 2 This has been covered extensively in many topics, but I will re-iterate for the budget traveler. I just sent a young family on their starter trip, and they're happy! Will be driving a passenger van from NY later August, all parents take noteFirstly, there is a sneaky Priceline Express/Google Wallet deal. Once both proper apps are employed, code WALLET20 is supposed to take $20 off. Checking Orlando, you see a $21 motel listed in Disney area, with the infamous Priceline's $10 fees&taxes. So total out-of-pocket is $11/nite, and people report it's not limited to first purchase (unlike stated in T&C). I also saw a $28 with breakfast Seaworld hotel, so you have options!Secondly, ChoiceHotels.com mails you unlimited $50 gas cards for qualifying stays thru 8/23. So Roadway Inn or EconoLodge in Disney area (Kissimmee) are $66-70 including taxes for 2 nites. Two 2-nite stays get you a $50 gift card. So 4 nites will cost you $86 net in total (or less, using discounts I just listed in P.S.)California deals are way way better, because they are free for a maximum 3-day trip's transportation and accommodation. They are first come first served, and mostly cover LA, SF, Yosemite and Vegas - depending on your precise dates. I can always check availability for you, and I wish I were on the West Coast!P.S. I totally forgot that on advance reservations ChoiceHotels.com may take 15-20% off. So grand total after each gift card may be as low as $60 for each 4-nite trip (and if you don't have a week or two advance, but do have a 16-digit AAA number or AARP - you still get 10% off). Again, this is unlimited thru 8/23; so you can string up 4, 8, 12, 16 day stays - and they may be in different cities!P.S2. Additional 3% FatWallet Cash Back may only be available via the 20% discounted advance purchase. Otherwise, the payment is collected at check-in and may not qualify for FatCash
Hotel Deals
$11-22/nite Disney area next 2 weeks, also free California vacations
Added on : Sunday August 04th 2013 03:00:09 PM
g: 0 Posted By: SinglePapa
Views: 330 Replies: 1 This has been covered extensively in many topics, but I will re-iterate for the budget traveler. I just sent a young family on their starter trip, and they're happy!Firstly, there is a sneaky Priceline Express/Google Wallet deal. Once both proper apps are employed, code WALLET20 is supposed to take $20 off. Checking Orlando, you see a $21 motel listed in Disney area, with the infamous Priceline's $10 fees&taxes. So total out-of-pocket is $11/nite, and people report it's not limited to first purchase (unlike stated in T&C). I also saw a $28 with breakfast Seaworld hotel, so you have options!Secondly, ChoiceHotels.com mails you unlimited $50 gas cards for qualifying stays thru 8/23. So Roadway Inn or EconoLodge in Disney area (Kissimmee) are $66-70 including taxes for 2 nites. Two 2-nite stays get you a $50 gift card. So 4 nites will cost you $86 net in total (or less, using discounts I just listed in P.S.)California deals are way way better, because they are free for a maximum 3-day trip's transportation and accommodation. They are first come first served, and mostly cover LA, SF, Yosemite and Vegas - depending on your precise dates. I can always check availability for you, and I wish I were on the West Coast!P.S. I totally forgot that on advance reservations ChoiceHotels.com may take 15-20% off. So grand total after each gift card may be as low as $60 for each 4-nite trip (and if you don't have a week or two advance, but do have a 16-digit AAA number or AARP - you still get 10% off). Again, this is unlimited thru 8/23; so you can string up 4, 8, 12, 16 day stays - and they may be in different cities!
Hotel Deals
$11-22/nite Disney area next 2 weeks, also free California travel
Added on : Sunday August 04th 2013 01:00:08 PM
g: 0 Posted By: SinglePapa
Views: 58 Replies: 0 This has been covered extensively, but I will re-iterate for the budget traveler. I just sent a young family on the trip, and they're very happy indeed!Firstly, there is a sneaky Priceline Express/Google Wallet deal. Once both proper apps are employed, code WALLET20 is supposed to take $20 off. So there is a $21 motel listed in Disney area, plus the infamous Priceline's $10 fees&taxes. So total out-of-pocket is $11/nite, and people report it's not limited to first purchase (unlike stated in T&C).Secondly, ChoiceHotels.com mails you unlimited $50 gas cards for qualifying stays thru 8/23. So Roadway Inn or EconoLodge in Disney area (Kissimmee) are $66-70 including taxes for 2 nites. Two 2-nite stays get you a $50 gift card. So 4 nites will cost you $86 net in total.California deals are way way better, because they are free for a maximum 3-day trip's transportation and accommodation. They are first come first served, and mostly cover LA, SF, Yosemite and Vegas - depending on your precise dates. I can always check availability for you, and I wish I were on the West Coast!P.S. I totally forgot that on advance reservations ChoiceHotels.com may take 15-20% off. So grand total for 4 days may even be as low as $60! If you don't have a week or two advance, but do have a 16-digit AAA number or AARP - you get 10% off
Hotel Deals
Too many AMEX accounts on my CR
Added on : Sunday August 04th 2013 11:00:10 AM
g: 0 Posted By: joesmoe2012
Views: 41 Replies: 2 Okay, my credit scores are 750-800 on all 3 bureau's, but there are a couple of errors:1) Years ago my AMEX account was compromised, I still have the theifs address as one of my addresses on one credit bureau, should I dispute it to get it removed?2) I currently have only one personal AMEX Charge Card (Platinum), but on my credit report, there are about 5 open AMEX accounts. Is it in my advantage to have a bunch of amex accounts on there, or would it be better to get it cleared up so that only my one actually open account reflects as open. 3) AMEX reported my parents address as my address because I had a card sent there, they said they can correct it, shoudl I have them correct it? My parents address was my address in the past (7-9 years ago), but it isn't really correct any longer.Hope all is well with everyone, this is my first post in a bit, I've been really busy in the bitcoin world.
Credit Deals
Debt Validation Letter - No Reply, Now What?
Added on : Sunday August 04th 2013 07:00:11 AM
g: 0 Posted By: abracadabra1
Views: 75 Replies: 2 In June, I received a collection notice from an agency that works for a state expressway authority. It essentially states that I owe X amount in unpaid tolls and that they have been authorized to collect the amount. I don't recognize the amount, nor did I ever receive any notice of unpaid tolls from the state. However, I am in the military and have legal residence in this state (FL), but am permanently stationed elsewhere (VA); so those notices may have mistakenly been sent to my permanent address on file with the state (FL), vice the mailing address (VA). Although this scenario is possible, it is not likely because I have received other notices from the state at my mailing address. I sent a letter requesting validation of the debt on 22 June via certified mail, but have received no response from the collection agency. What's my next step? Do I send a second letter? Do I ask for a copy of the account deletion request that was referenced in my letter? This supposedly delinquent account does not appear on any of my credit reports.I used a prefabricated letter that I found on a debt validation site and included the following phraseology:
"If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."Any help/insight is appreciated.
Personal Finance Deals
Lot of inquiries in chex systems- can this come back to bite me?
Added on : Saturday August 03rd 2013 11:00:03 PM
g: 0 Posted By: Silverthunder
Views: 32 Replies: 1 As an avid reader of FW, I now have a lot of inquiries on my chex systems report (you can get a copy of your report mailed to you by contacting chex systems). I have opened a lot of bank accounts to get the sign up bonuses. Even when I was opening an account last week, the lady at the bank said, "wow, that's a lot of inquiries." She remarked that it may be from me opening a lot of credit cards (seems like a clueless rep as I don't think that credit card companies check checksystems). Right now, there are 2 questionable inquiries on that report that I think I can dispute. Possibly even a 3rd one, too. Is it worth disputing these or is it not worth the time?
Personal Finance Deals
security freeze to block unwanted credit pulls?
Added on : Saturday August 03rd 2013 11:00:09 AM
g: 0 Posted By: Silverthunder
Views: 0 Replies: 0 Does anyone know if having some sort of security freeze on your credit report will block unwanted credit pulls? Case in point is banks that say that they are not going to pull your credit (only use check systems) but then they do pull your credit (happened to me with Citizens bank).
g: 2 Posted By: SSG
Views: 527 Replies: 8 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Seems that this was emailed out, but most people on SD are reporting it working even without getting the email. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
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Amazon Coupons
g: 0 Posted By: SSG
Views: 119 Replies: 0 Taken from SD:Code JUL20PER for 20% off, and JUL10PER for 10% off. Seems that this was emailed out, but most people on SD are reporting it working even without getting the email. Small print:*Limit one promotion code per eligible customer. Promotion codes must be redeemed through www.amazon.com and may only be used once on qualifying products shipped and sold by Amazon.com. Get a 10% discount with a maximum discount of $10 on an eligible purchase by selecting your Amazon.com Rewards Visa Card as your payment method and entering promotional code JUL10PER at checkout through the Amazon.com shopping cart. Taxes, gift-wrap, and shipping and handling charges do not apply toward the minimum purchase amount and are not able to be reduced using the promotional code. This promotion applies only to orders shipped to the same address. Products sold by other merchants or third parties do not qualify for this promotion and this promotion may not be used in conjunction with the purchase of products sold by or under the brands of third parties or sold through third-party areas of www.amazon.com. If Amazon.com is not the seller, this will be noted on the product detail page. This promotion may not be combined with other credits or special offers. This promotion is non-transferable and non-exchangeable and is not redeemable for cash. This promotion cannot be applied to orders already placed with Amazon.com. If you return an item purchased using this promotion, you will receive a refund for the amount paid for the item. This promotion is available only to customers located in, and with billing addresses in, the United States. Violation of any term or condition of this promotion makes the promotion invalid and the promotional discount will not apply. This is a limited-time promotion and Amazon.com reserves the right to cancel or modify this promotion at any time. Void where prohibited. Chase is not responsible for provision of or failure to provide the stated benefits and services.
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Amazon Coupons
AT&T Increases Spying on You--Opt Out
Added on : Friday August 02nd 2013 05:00:16 PM
g: 4 Posted By: MrKlick
Views: 154 Replies: 2 Just got one of those letters from AT&T that you are supposed to throw away without reading so the big Corp. can get away with things. See story at http://www.businessinsider.com/att-to-sell-location-data-2013-7Dated July 25, 2013 the letter tells about AT&T's new "external marketing & analytics reports" and "Relevant Advertising including 'Wireless Location Characteristics'"The claim is that no one can trace the data back to you. And, if you believe that I have a bridge to sell you ...Opt out by calling 866-344-9850.I just did it and suggest everyone else do so.We need a new law--info about you is your property.
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Eucerin Professional Repair Lotion Sample
Added on : Friday August 02nd 2013 08:00:09 AM
g: 0 Posted By: SweetClover
Views: 48 Replies: 0 Get a Eucerin Professional Repair Lotion Sample. Comes in a single-use packet. Note: If by chance you do not see the form make sure that your pop-up blockers are turned off.If you previously signed up for this offer from this thread, it may not allow you to do so again, but people are reporting it goes through if you use a different email address. YMMV.
Free Samples Deals
g: 0 Posted By: JamesTKirk
Views: 131 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.This is basically 20% off if you know a future purchase you can make and use the points on. You get the points in 14 days or so.
So, a $100 purchase would basically give you $20 off your next purchase.Good till 12PM PDT Aug 2. (Ends 3PM EDT)NOTE : They claim to report to the IRS your earnings if you reach $600 or 60,000 points.NOTE : Maximum 25,000 points per order. ($250)
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Rakuten.com Shopping (formerly Buy.com) Coupons
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Word Up! How to Write Powerful Sentences and Paragraphs (And Everything You Build from Them) [Kindle Edition] was $8.99Marcia Riefer Johnston (Author), Scott Abel (Foreword) http://www.amazon.com/dp/B00CYSB2IKPublication Date: April 27, 201364 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Education & Reference > Words, Language & Grammar > Grammar#2 in Kindle Store > Kindle eBooks > Education & Reference > Writing, Research & Publishing Guides > Writing SkillsEven the best writers want to know how to write more powerfully.You may write blog posts, e-books, e-mails, executive summaries, e-zine
articles, hospital-hallway signs, presentations, proposals, lab reports,
letters to the editor, love letters, lunch-bag notes, movie reviews,
news stories, novels, online help, plays, poems, proposals, recipes,
reference manuals, scholarly critiques, speeches, term papers, tweets,
user-interface text, video scripts, web pages, or white papers.You may write for a million readers or for one. You may use a pen, a
typewriter, a wiki, or an XML authoring tool. You may be a grammar snob,
or you may think that "grammar snobs are great big meanies." You may
write because something within you says you can't not write--or because
your boss says you can't not write. No matter what you write, or how or
why, you and every other writer have two things in common: you use
words, and you want someone to want to read them.How do you get people to want to read your words? Know your subject.
Know your audience. And write powerfully. This book can help you write
powerfully.
$10 off Flights to China at Vayama + up to $9 Cash Back
Added on : Thursday August 01st 2013 10:00:09 AM
g: 0 Posted By: FatWallette
Views: 215 Replies: 0


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Georgia Law on Car Fees
Added on : Thursday August 01st 2013 09:00:12 AM
g: 5 Posted By: Rewdog
Views: 339 Replies: 1 Sorry this is location specific, but there may be similar laws in other states.A friend of mine came across a news story in Georgia saying any fees above tax / tag / title are illegal if they are added on top of the advertised price; Admin Fee, Prep Fee, etc.He had purchased a used vehicle earlier in the year which had around $500 prep fee, which based on the Governer's Office of Consumer Protection is illegal. He called the car dealer saying he wanted a refund of that fee and was laughed at saying everyone does it. He filed a complaint online via the below link. Less than a week later, he got a call saying the check should arrive in a few days.Link to News StoryLink to StatutesLink to file compliantI'm pretty sure I had an admin fee in my OTD price in 2012; I'll try to pursue this method if I can find the itemized paperwork and report back.
General Economics Deals
g: 0 Posted By: 740il
Views: 57 Replies: 0 Hi, I was working with a buyer's agent in northampton county PA for the past few months and finally decided to settle on a property and there is a new issue that popped up yesterday.These are the approximate timelines1) Agent showed up a home 3 weeks ago
2) Made an offer 2 weeks ago
3) Offer made about a week ago and after a bit of negotiation settled on a price.
4) Inspection went through 2 days before got the report this morning. Most are minor issues but the major issue is the home does not have a permit for the basement (he visited the township to find out).
5) I mentioned this to my agent and he said this might be to my advantage, so let me know if I still wanted to go through this deal.Now, I'm seriously pissed at my agent for not offering to press the seller's agent to contact the owner and see that the permit is done atleast now. How would I deal with this? Question is, if the permit is not taken care of by the owner, what kind of compensation can I ask. This is a 3000sqft home with 600sqft finished walkout basement. Thanks in advance.
Fraudulent Credit/Debit Charges
Added on : Thursday August 01st 2013 07:00:11 AM
g: 0 Posted By: OverRuled
Views: 103 Replies: 1 I have been hit 3 times on 3 different cards with fraudulent charges mostly related to APPLE ITUNES...1. The first time was about over a year ago on my Citi credit card. I had to call Citi to report and had them issue me a different card.
2. The second time was 3 days ago on my wife's Visa Check card that works like ATM or Debit by Navy Federal Credit Union. However, they cannot do anything until the 2 charges are posted and out of "pending" status. They have disable the card and I asked not to even have a replacement because my wife never uses it anyway and all ATM withdraw have been done with my card anyway. This one is interesting because my wife has never even used this card once! As of this morning, the charges have disappeared.
3. The third time is this morning on a Chase credit card with at least 10 different charges about $10 each and 2 small charges from "Google Music". I called Citi and they quickly cancel the card and will send a replacement soon.After some research, I have learned that this is not by Apple but by scammers, after somehow getting info of card numbers, will just make charges using those names such as APPLE ITUNES, GOOGLE MUSIC, ETC... However, APPLE ITUNES is probably the most common.Since I have just been hit with 2 cards within 3 days and one of the cards has never been even used, I would like to raise a flag reminding people to constantly monitor credit/debit cards and watch out for these fraudulent charges including those cards that you have never used. I hope the FBI will take this seriously and catch these crooks.
Discussion Deals
g: 0 Posted By: archena
Views: 29 Replies: 0 President Barack Obama: The Kindle Singles Interview (Kindle Single) [Kindle Edition] David Blum (Author)http://www.amazon.com/dp/B00E86ENEQPublication Date: July 31, 2013273 Reviews ★★★#1 in Kindle Store > Kindle Singles > Profiles#1 in Kindle Store > Kindle eBooks > Nonfiction > Politics & Social Sciences > Politics & Government > United States > Federal GovernmentFeatured at the Top of the Kindle Bookstore this is always to be FREE
http://www.amazon.com/Kindle-eBooks/b?node=154606011
In this Kindle Singles Interview, President Barack Obama decried the "change in culture" that has changed our view of the American Dream. "There was not that window into the lifestyles of the rich and famous," the President said. "Kids werent monitoring everyday what Kim Kardashian was wearing, or where Kanye West was going on vacation, and thinking that somehow that was the mark of success." He addressed the jobs issue from a personal perspective, reflecting on how his own life might have been different had he not experienced success in politics. "I could picture myself being a good teacher," the President mused. In the interview, which took place on July 30, 2013, at an Amazon facility in Chattanooga, Tennessee, Obama discussed the increasing need for government programs that can actually make a difference. Sticking close to his standard message, he spoke frankly about the increasing polarization of American politics since the Great Recession and Republican Party intransigence over his agenda. On a personal note, he reflected that he and First Lady Michelle Obama are constantly reminding their daughters of the slightly unreal environment that theyre in, as children of privilege in a world constrained by unemployment and recession.The interview was conducted by David Blum. Blum works for Amazon as the editor of Kindle Singles. He began his career as a staff reporter for The wall street journal, and has been the editor-in-chief of The Village Voice, the New York Press and 02138 Magazine. He was previously a writer and editor at The New York Times Magazine, and a contributing editor at New York and Esquire magazines. He has written two books: "Flash in the Pan: The Life and Death of an American Restaurant" (1992), and "Tick...Tick...Tick...: The Long Life & Turbulent Times of 60 Minutes" (2004). He received his B.A. degree in English literature at the University of Chicago.Cover design by Adil Dara Kim/Official White House Photo
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g: 0 Posted By: Floydian
Views: 64 Replies: 0 Just checked my CLUE report for the year before looking at insurance, and my section is almost empty, but I noticed one new entry:SUBJECT - 0 CLAIM(S) REPORTED
POSSIBLE RELATED CLAIMS - 1 CLAIM(S) REPORTEDThe second line is new -- the claim is listed on my report under "POSSIBLE RELATED CLAIMS" as an incident my dad was in in June of 2008, as my parents live at an address and state that I lived at 10 years ago (my "hometown" address, which I haven't used for a long time). In the past this has not showed up (checked my CLUE a little over a year ago), but now I'm wondering if it is adversely affecting my insurance quotes. For example, Liberty Mutual back in January kept saying I was not a perfect driver, but would not tell me why, only that "the computer says you're not".Here's what an older CLUE guide says (Source: http://epic.org/privacy/choicepoint/fcraltr/CLUEAutoUnderwriter....
"ChoicePoint encourages the insurance company to resolutely determine if these claims relate to the subject on whom the search was requested." (page 5)Is that a "disputable" entry on my report? Any experience with that? From what I can see, I might as well dispute it, as I'm not sure why it should be on there since I was not involved, and was even insured separately at a completely company and in a different state and address in June of 2008.TIA, and I'll update the OP with my experience for future people looking for advice.Edit: Disputed the claim over the phone (1-866-820-8976), and the lady said that the possible related claims from family members are added on quite often. Also, that "usually" the possible related claims will fall off during the dispute process, but she can't guarantee it. I'll have to wait 30 days for the dispute process, so we'll see if it fixes itself soon enough.
Personal Finance Deals
Please advise on credit card situation
Added on : Wednesday July 31st 2013 09:00:05 AM
g: 0 Posted By: unknownroad
Views: 119 Replies: 1 Question for the credit gurus, I have read the FAQ but I am not sure it specifically addresses my situation.I have had the same capital one platinum credit card ($8k limit) for 10+ years and it has been my only card. Yesterday I signed up for the PenFed Cash Rewards card and the Capital One Quicksilver card. I was approved for the Quicksilver card ($10k limit) but have not heard back yet about the PenFed card ($5k limit). My credit score is 780-800, I pay my balance off every month, and carry no debt.1. My existing platinum card charges me $5 per month membership fees, which I have tried to have waived to no avail. If my existing card was a no fee card I would just keep it open, but I was planning on closing it since from my research has shown closing an account does not affect your credit score that significantly and I will also be doubling my available credit anyway with the 2 new cards. HOWEVER, I just learned that age of credit line can be very important. Since this has been my ONLY and OLDEST account, should I bite the bullet on $60 in fees a year just to keep it open? If so for how long? I have heard people being declined loans due to available credit lines not being old enough. I may be applying for my first home mortgage within a year or two.2. I read that your account histories stay on your credit report for 7-10 years even after being closed, which I thought would allow me to close my old account while still taking advantage of having 10+ years of excellent history. But I have heard of someone being declined a loan because their EXISTING lines of credit were not old enough despite having an closed older line of credit still showing on their overall credit history... So does your oldest line of credit need to still be OPEN when it is being taken into account when seeking a loan?3. Since one of my new cards is also from Capital One, will/can my account history/age be "rolled over" into my new account? Or will this be looked at as essentially a brand new line of credit with no history attached to it despite it being from the same company I have over 10 years of excellent history with?I was trying to get away from this $60 a year in membership fees while also getting some good Cash Back rewards with the new cards, but I am not sure what I should do now with my old card... Thanks in advance!
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Comcast cable box return issue
Added on : Wednesday July 31st 2013 08:00:09 AM
g: 0 Posted By: debtinator
Views: 9 Replies: 1 Looking to solicit some advice for my girlfriend. 1. In her prior apartment, the HOA subsidized the basic cable. For that reason she thought the cable box should be left in the unit (out of state) after she cancelled (2 months ago)
2. She returned the cable modem 2 months ago, nothing was mentioned about the cable box
3. Apparently for the last month they tried calling her to get it - but she ignored them thinking it was spam (I know...)
4. This weekend we called and found out they only wanted $140 to settle it, so we paid to make sure they didn't hit her credit report with a collection.
5. I traveled back to Chicago, FOUND THE BOX, but they will no longer accept it because we paid them (3 days ago)Has anyone experienced this? I don't want to waste a ton of time for 100 bucks, but any advice would be great.
Next free games for Xbox 360 Gold subscribers @ 1 Aug - 16th Aug
Added on : Wednesday July 31st 2013 08:00:04 AM
g: 1 Posted By: Pizzero
Views: 186 Replies: 0 Microsoft has just confirmed the earlier reports that next month's free Xbox 360 Games with Gold titles will be Crackdown and Dead Rising 2.Even better, you'll get Dead Rising 2's standalone episode Case Zero free as well.Crackdown, usually $14.99 is free from tomorrow until 16th August. Dead Rising 2 and Case Zero will be free from August 16th until the end of the month. Crackdown - 1st Free Game HereDea Rising 2 - 2nd Free GameDead Rising 2 Case Zero - Free as well
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How to actually get pre-approved for a commercial loan?
Added on : Wednesday July 31st 2013 06:00:09 AM
g: 0 Posted By: valueinvestor
Views: 39 Replies: 0 I am looking to buy an investment property. I recently had a deal fall through due to sheer incompetence on the part of a loan officer, and he took so damn long to be incompetent that I was not able to find another lender before the deal fell out of contract. What I'm wondering is if there is a way to actually get pre-approved for a commercial loan. I don't mean "here's your pre-approval letter that we give to every schmuck that walks through the door" I mean "as soon as you get in contract, we will send this away for an appraisal". Is there a way to expedite this process up front? Can I go talk to a loan officer, bring my credit report, monthly income statement, etc. and make it so that I can move faster? Is this just a question of finding a loan officer who isn't a moron?
Personal Finance Deals
FREE Kindle Book - The Devil's Double Original Book was $9.99
Added on : Tuesday July 30th 2013 07:00:13 PM
g: 0 Posted By: archena
Views: 42 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Devil's Double Original Book, (which was made into a feature film of the same name, This Book Sold Over 6.7 Million Copies Worldwide in Twenty Languages.) [Kindle Edition] was $9.99Latif Yahia (Author)http://www.amazon.com/dp/B009SFWLXMPublication Date: October 15, 2012Publisher: Arcanum Media Group10 Reviews ★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Presidents & Heads of State#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History > Operation Desert StormTHE DEVILS DOUBLE:
is the first of 3 autobiographical books chronicling Latif Yahias incredible life story.
It vividly describes how Latif was forced to become Uday Husseins fidai (body double) and gives a unique insight into the extreme extravagance and cruelty of the Saddam regime.
Latif survived assassination attempts and witnessed Udays psychotic temper, rapes, orgy parties, torture atrocities, and sadistic murders. The book has recently been made into a highly acclaimed movie.THE BLACK HOLE:
gives a fascinating account of what happened to Latif in Europe after he escaped from Iraq. How he was treated by western governments and the CIA. How Uday sought revenge on Latif and vice-versa. How he was offered a British passport by Saudis to murder a dissident and how they beheaded Latifs Saudi princess lover. How Latif made and lost a fortune. How he strived in vain for a peaceful life and survived 4 more assassination attempts.Forty Shades of Conspiracy:
brings Latifs story right up to date by detailing his time in Ireland. His run-ins with drug-dealers, Corrupt Irish Garda officers and Irish politicians who continually denied him Irish citizenship.
His despair as a beggar on the streets and the happiness he found after he met the love of his life. His reaction to Uday and Saddams deaths and his opinion on the current political situation in Iraq all makes fascinating reading.Book Description:
In 1987, Latif Yahia was taken to Saddam's headquarters to meet Uday, Saddam's eldest son, and told that a great honour had been bestowed upon him: that because of the great likeness between them, he had been chosen to be Uday's double.
For many Iraqis it would have been the highlight of their lives, but for Latif, a peace-loving man who did not agree with Saddam's brutal regime, it was not. He refused. Following a week of torture, and realising he would be killed if he continued to refuse, Latif was forced to accept the role.
After a gruesome training programme during which he was made to watch over thirty films of torture, hours of tapes of Uday, and undertake a final remodelling of his appearance, Latif was deemed ready.
But it was only after the final test, a meeting with Saddam himself, that Latif made his first public appearance. And so began his life as Uday's double - a life on the perimeter of the inner circle of Saddam's eldest son, a witness to the horror of his insane life of debauchery, excess and brutality, and an experience for which he almost paid with his life on more than one occasion. From The Publisher:
Latif Yahia has never attained citizenship from another country, still stateless since his flight from Iraq in 1992, he attributes this to the fact that he refused to work with intelligence services against his country. There should be a distinction made between Saddam and Iraq, being against the invasion of Iraq in 2003 did not mean that he was for Saddam, he opposed the war because he knew what it would do to the Iraqi people and the country as a whole and also who would be appoionted Iraqs new leaders and what they too were capable of. At the beginning of the invasion, Latif Yahia warned the American led forces that they may remove one Saddam but they would create one hundred and they may remove one Uday but make one hundred more. This has been proved by recent events in Iraq, After his flight from Iraq Latif Yahia was considered by Saddam and the regime to be a Traitor, now within the new government he is considered to be a collaborator.
A no win situation.You may or may not be aware that Mr. Yahia is donating his royalties from all sales of the book, to the Iraqi children Orphaned by the American invasion of Iraq in 2003 and the subsequent warA note from the Author This book was written in 1992, originally it was 1,000 pages long with even more facts and details than contained in the pages herein, because of it's size the original publisher trimmed it down to the 300 or so pages that it is today. After the fall of Saddam Hussein and his regime in 2003 the facts in this book were confirmed. Many of Uday Hussein's employees found new masters over the years since my flight from Iraq, some work for the US intelligence services, some for the UK, but no matter how they may try to discredit me and my story the facts remain and as you now know I had already put them on paper in 1992, eleven years before the regime fell. I did not have a crystal ball to know all these things, I knew them because I was there, that was my life. Uday's employees have admitted in the Western media to being Pimps for him, they also admit to working as spies against him for the US and the UK intelligence services in return for citizenship of the respective country, what I ask is this, If a man is willing to sell women to a man that he knows to be a sadist, if he is willing to sell his country and himself, is it not then conceivable that he will sell his soul and say anything for money? I have paid a high price for my refusal to co-operate with the intelligence services, the CIA in particular, after twenty years in the West I am still stateless, I cannot return to Iraq because the new Government consider me a colaborator of the Hussein regime, although while they were in oppossition to Saddam they found my book to be a useful tool against him and his regime. Saddam while in power considered me a traitor. I do not regret my decision to leave Iraq or write my story, but I have not found the Western governments to be as open and democratic as they were portrayed to us in the Middle-East. In my search for a new counry to call home, I have found that those whose story is a fabrication are given the protection of the state as they are no threat, money is their only goal in life so they will not rock the boat', while I, who have an opinion and voice it openly (that is probably my biggest problem) am ignored, refused and while not told to leave am not made especially welcome either, I am tolerated. I do not nor did I ever seek fame, I have not made money from my story and if I do it will go to charity. It amuses me how the tables turn, when Saddam was in power my book was held up in the US Congress and given as a reason for Saddam's removal, now that Saddam is gone those that once used my story for their benefit have tried to denounce me, I have been interviewed by the world's biggest and best names over 1,800 TV, Print and Radio, journalist's who do their research and know who to ask for opinion, the old guard who took pride in their work and valued their reputation. While there are still some true journalists out there many work to order if their editor wants a specific story they make it, true or not, there is no oversight. Although it was never my intention, this book has been used as propaganda for the War on Iraq, my intention when I wrote it was to open the eyes of the world to the horrors and atrocities committed by the regime and to spur the Iraqi people into action. It will always disturb me that the Iraqi people never had a chance to participate in The Arab Spring and depose Saddam and his regime themselves, It may be a very different place today if they had had the chance to do so. Best regards to all, Latif Yahia . --A note from the Author.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that va --D. Smith, wall street journal.In Iraq, where political leaders have traditionally been the targets of assassination, there exists an institution called fidai (body double). The author, who bore a remarkable resemblance to Saddam Hussein's oldest son, Uday, was pulled out of the front lines during the Iran-Iraq War and transformed into an exact likeness of Uday. From that vantage point he was, he reports, privy to all the machinations and horrific excesses perpetrated on the Iraqi people by the family and government of Saddam Hussein. After serving in that capacity from 1987 to 1991, Yahia was imprisoned and tortured before being released?then fled to Europe, where he still lives. The author's message seems to be a warning to the rest of the world: If you thought Saddam was a cruel tyrant, just wait until Uday takes over! Although this work is easy enough to read, it is filled with graphic details of torture, murder, and rape. Recommended only for large collections in the subject area.? --David P. Snider, casa Grande P.L., Ariz. Library JournalThis is The Story of A man who knows too Much... He Looted Kuwait, Survived Assassina - Tion Attempts, and was at his Boss Uday Hussein's Side During Some of Iraq's Grisliest Moments. --D. Smith, wall street journal.
Totally Free Deals
g: 0 Posted By: fogler
Views: 257 Replies: 9 Hello FW community,I live in IL. I bought a used car(99 Camry) two days ago for $3000. I paid $2000 in cash and wrote a personal check for $1000. Seller told me that car has 89500 miles and title is clean. After I drove the car home, I checked car fax (I know I am stupid to not check this before buying) and found that car has rebuilt title and odometer reading was 175000 in 2011. Apparently, odometer is rolled back. I looked at the title before giving the money and it did not show rebuild word anywhere. But IL dmv has vin check service and it showed rebuild title for this car. I guess title color may be different for clean, rebuilt, etc. I asked the seller to take the car back and he promised to take it back, but he started giving all kinds of excuses like his wife spent that money, etc. I asked my bank to stop the check payment. Seller lives in same city as mine and 2 miles away from my home (I think he does not know my address).I am planning to report odometer fraud to the appropriate agency. I am worrying about stopping the check payment. Can the seller sue me for that? I read that writing a invalid check is criminal offense. I can just pay him $1000 and consider this as a valuable lesson. I am looking for FW input here.
Personal Finance Deals
g: 0 Posted By: PAcouponshopper
Views: 59 Replies: 0 I am having a difficult time finding the answer to this.I am located in Pennsylvania and have a property under contract with Fannie Mae. Fannie Mae has a long and extensive disclosure addendum. This property has repairs to heating/cooling/septic and also new carpet/paint. In section 5 (a) it has this paragraph:"In situations that are applicable, a structural, electrical, mechanical, environmental or termite inspection report may have been
prepared for the benefit of the Seller. Upon request, the Purchaser will be allowed to review the report to obtain the same
information and knowledge the Seller has about the condition of the Property but the Purchaser acknowledges that the
inspection reports were prepared for