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Free Kindle zoombie ebook: Zombie Fallout
Added on : Wednesday November 26th 2014 07:00:18 AM
g: 0 Posted By: Y3ll0wSlack3r
Views: 42 Replies: 1 Zombie FalloutBook DescriptionPublication Date: January 16, 2014**Currently in development with Illuminandi Media.**

Late Fall 2010

Reuters Estimates say that nearly three thousand people nationwide, and fifteen thousand people worldwide have died of the H1N1 virus or Swine flu and nearly eighty thousand cases have been confirmed in hospitals and clinics across the United States and the world, the World Heath Organization reported. The influenza pandemic of 2010, while not nearly as prolific as the one that raged in 1918 still has citizens around the world in a near state of panic.

New York Post (Headlines October 31st) Beware! Children Carry Germs! Halloween Canceled!

New York Times (Headlines November 3rd) Swine flu claims latest victim Vice President surrounded by family and friends at the end.

Boston Globe (Headlines November 28th) Swine Flu Vaccinations Coming!

Boston Herald (Headlines December 6th) Shots in Short Supply Lines Long!

National Enquirer (Headlines December 7th) The Dead Walk!

There would be no more headlines.

It started in a lab at the CDC (Center for Disease Control), virologists were so relieved to finally have an effective vaccination against the virulent swine flu. Pressure to come up with something had come from the highest office in the land. In an attempt at speed the virologists had made two mistakes, first they used a live virus and second they didnt properly test for side effects. Within days hundreds of thousands of vaccinations shipped across the US and the world. People lined up for the shots, like they were waiting in line for concert tickets. Fights broke out in drugstores as fearful throngs tried their best to get one of the limited shots. Within days the CDC knew something was wrong. Between 4 and 7 hours of receiving the shot roughly 95% succumbed to the active H1N1 virus in the vaccination. More unfortunate than the death of the infected was the added side effect of reanimation, it would be a decade before scientists were able to ascertain how that happened. The panic that followed couldnt be measured. Loved ones did what loved ones always do, they tried to comfort, their kids or their spouses or their siblings, but what came back was not human not even remotely. Those people that survived their first encounter with these monstrosities usually did not come through unscathed, if bitten they had fewer than 6 hours of humanity left, the clock was ticking. During the first few hysteria ridden days of The Coming as it has become known, many thought the virus was airborne, luckily that was not the case or nobody would have survived. It was a dark time in human history. One from which we may never be able to pull ourselves out of the ashes from.
Totally Free Deals
Friendly reminder - don't charge electronics from your computer usb port
Added on : Tuesday November 25th 2014 05:00:09 AM
g: 0 Posted By: iseetrails
Views: 49 Replies: 0 I know how Fatwallet likes cheap eBay parts and electronics and I have a few myself. I guess they are manufacturing cheap electronics now that will bypass your computer security software and install malware on your laptop or computer by just plugging in a USB charger into your USB port. This was just noticed in an e-cig charger but I am guessing anything that you recharge could be infected.

https://www.yahoo.com/tech/e-cigarette-from-china-infected-mans-computer-with-103466334849.html

e-Cigarette from China Infected Mans Computer with Malware
Anthony Cutherbertson, IBTimesNovember 24, 2014

Smoking will not only damage yourhealthbut also your computer, ase-cigarettesmanufactured in China are reportedly being used to spread malicious software through the USB connection used to charge the device.A recent post to social news site Reddit detailed how the computer of an executive at a large corporation had been infected with malware from an undetermined source. Further investigation apparently revealed that it had stemmed from a $5e-cigarettebought from the online auction site eBay.The executives system was patched up to date, hadantivirusand anti-malware protection, Reddit userJrockillasaid. Web logs were scoured and all attempts made to identify the source of theinfectionbut to no avail.Finally after all traditional means ofinfectionwere covered, IT started looking into other possibilities. They finally asked the executive: Have there been any changes in your life recently? The executive answered: Well yes, I quit smoking two weeks ago and switched toe-cigarettes. And that was theanswerthey were looking for.Thee-cigarettewas found to have malware hard-coded into the charger, which phonedhome and infected the system whenpluggedinto the computers USB port.Pierluigi Paganini, chief information security officer at ID management firm Bit4Id, said thatelectronic cigaretteswere just the latest vector to serve the spread of malicious software.Hackers are able to exploit any electronic device to serve malware to a poorly protected network, Paganini said in ablog post.Despite the [fact the] idea could appear hilarious, manyelectronic cigarettescan be charged over USB using a special cable or by inserting one end of the cigarette directly into a USB port.Paganini cites otherexamplesof apparently harmless USB devices being used as a hacking tool in the past, including acharger for Apple iOS deviceslike iPhones and iPads.
Discussion Deals
Currency Trading in Forex Market
Added on : Monday November 24th 2014 07:00:06 PM
g: 0 Posted By: RagingBull
Views: 61 Replies: 0 I was thinking of investing in the yen as it is pretty cheap right now using interactive traders. Do I just deposit us dollars and then use the money to purchase currency. As for taxes, do they get reported on a 1099 like stocks once you sell the currency back at a higher price
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Power of Attorney of overseas uncle
Added on : Sunday November 23rd 2014 06:00:07 AM
g: 0 Posted By: RagingBull
Views: 20 Replies: 0 My uncle will be going overseas and won't be able to transact business while away and will plan to add me as power of attorney to his account so I can do wire transfers on his behalf possibly one or two times for purchasing a home. The problem is he is a foreigner and I am a US citizen. Just wondering if there will be any legal consequences for doing so and if i am doing large wires if there would be anything that gets reported. Thanks
Question Deals
Have to call recon line on every CC app - why?
Added on : Sunday November 23rd 2014 02:00:11 AM
g: 0 Posted By: stevento
Views: 58 Replies: 0 Lately, I have to call the reconsideration line on every CC application for both me and wife.
We do get approved, but it gets tedious.
Both have credit scores in high 700's.
Credit utilization percentage is under 15%.
Credit inquiries range from 2 to 10, depending on the bureau.
No financial concerns.

When I call, the analysts say they just need to verify some info...and they approve.

Other than a high number of recent inquiries, I can't think what could trigger review every time, and with both Citi and Chase (AmEx seems to be less of a problem).
Is there anything in my report I should look for?


Question Deals
Firedrive - Out of Business?
Added on : Saturday November 22nd 2014 04:00:04 PM
g: 0 Posted By: bighitter
Views: 0 Replies: 0 Around April of this year, Remick generously shared a terrific deal with us here on FW --- a link to 50GBfree cloud storage on Firedrive. FW apparently no longer allows comments on that post or I would have appended to Remick's original post.

There are numerous reports that over the past few weeks Firedrive customers can't access their accounts and stored data. Bummer because they had a very nice and simple interface to store pdfs founded in web research.
How to get free e-books, TV shows, music and more @USAToday
Added on : Saturday November 22nd 2014 10:00:04 AM
g: 0 Posted By: CltrAltDelicious
Views: 143 Replies: 0 http://www.usatoday.com/story/tech/columnist/saltzman/2014/11/22...


You've blown your budget on a new smartphone, tablet or laptop but now you need to buy content to run on it.No cash? No worries.Whether you're into media like TV shows, music, movies or e-books or software, such as a Microsoft Office alternatives, there's no shortage of places to get good and legal stuff,without having to spend a dime.Some of the following resources might be old news to you. But some gems you weren't aware of might just keep you entertained or productive without having to put your hand in your pocket. Free e-booksThere are a couple of ways you can fill up onfree books.For new releases, you can borrow e-books (and audiobooks) from many local libraries.Not only does this mean you don't have to physically get to a library, but you'll never face late fees again.All you need is your library card and the freeOverDriveapp installed on your favorite phone or tablet. First, download and install the app (app.overdrive.com) and once installed, you'll be prompted to create an Adobe ID, if you don't already have one, and authorize it to work withOverDrive. Now you can borrow e-books and audiobooks wirelessly even currentNew York Timesbestsellers.For classic books, including those in the public domain (read: free), there are awesome sites like Project Gutenberg(gutenberg.org), which offers more than 46,000 free e-books.Popular picks includePride and Prejudice,Dracula,The Adventures of Sherlock HolmesorShakespeare's timeless works.Other great resources include Google Books, Archive.org, The Online Books Page and the many free e-books offered by stores like Kindleand Kobo. Free music, music videosRather than pay to download songs by track, or subscribe to music streaming services that could cost up to $10/month, the freeTuneInRadio(tunein.com)app and website gives you access to more than 100,000 radio stations from around the world from Afghanistan to Zimbabwe and all searchable by genre, country orpopularity.If you're in the mood for a particular artist or song, simply do a search to hear what's playing at that exact moment.Want local radio? No worries. Tap to see all the AM and FM stations in your area and tune in at home or on the go (even with album artwork). Alternatively, you can listen to Internet-only stations, such as the awesome 1.FM.If you prefer to have curated playlists, be sure to visitSongza(songza.com)in your Web browser or download the free app.Here's another option: Use free software like Free YouTube Downloader or YTD Video Downloader both of which are available inC|NetDownload.com'sTop 10 list(download.com) and you can not only download music videos to watch online but also convert them into MP3sfor your phone or tablet, too.Some Web browsers will also let you download YouTube videos to watch offline or copy over to a mobile device. Free softwareBoth Microsoft and Google offer free productivity programs namely, Microsoft Office Online and Google Drive but they require an Internet connection to function fully.However, Apache'sOpenOffice(openoffice.org)is a downloadable, offline suite of productivity tools for word processing, creating spreadsheets and presentations and more.OpenOfficeis available in multiple languages and runs on many operating systems, and you can install it on as many computers as you like. The software suite supports a wide range of file types created by other programs (including Microsoft Office's .doc, .xlsand .ppt).Also available for Windows, Mac and Linux isLibreOffice, another feature-rich and free software suite with a word processor, presentation maker, spreadsheet creator and other programs. Windows and Linux users can also downloadSoftMakerOffice 2008, an older but free version of a more recent commercial product.If you're on a smartphone or tablet, Kingsoft Office(kingsoftstore.com)is a free Microsoft Office alternative that lets you create, view and edit documents imported from Word, Excel, PowerPoint and others, including support for PDF files. All of your work can be stored locally on the smartphone or tablet or accessed from "cloud" services like Dropbox, Google Drive, Box and others. It's also possible to collaborate and share files with other users.There are many good, free photo-editing tools, but Gimp(gimp.org)might be the most robust, thanks to its powerful editing features, digital retouching, multiple file support and customizable interface options. The free download works with Windows, Mac, Linux and other operating systems. Free TV shows, moviesThere are a few good ways to watch television shows online without having to pay to download them. Your options might be a bit limited, but hey, free is free.For one, all the major TV networks let you watch live or prerecorded shows on their respective websites. For example, go to ABC and you'll see its top shows cycle from right to left and a large tab that says "Watch the latest episode" or "Watch Now" whether it'sModern Family,How to Get Away With Murder,Grey's Anatomy,Agents of S.H.I.E.L.D.orGeneral Hospital.And while you need to pay for Hulu Plus, there's no shortage of content to watch on the main Hulu site(hulu.com). Also check outSideReel(sidereel.com).There are hundreds of free shows often pilots or the first episode of a new season you can download from iTunes.Along with an entire section devoted to free films, YouTube(youtube.com)has many episodes of mostly older TV shows, but can be a great way to relax on a lazy Sunday afternoonmaybe by connecting your computer to your big-screen television with an HDMI cable (which you can buy at your local dollar store) or wirelessly through a Smart TV, Chromecast or other set-top solution.Movie lovers can also check out Sony's Crackle,Yidio,Vimeo'sFilms Channel,SnagFilmsandPopcornFlix. Free podcasts, radio showsFinally, you likely knowaudio-based podcasts can be a great way to keep you entertained on a long commute, whether you're interested in downloadingor streaminga comedy routine, news report, political rant, tech advice, religious sermon or the latest music remix from a popular club DJ.When you hear a podcast you like say, within iTunes easily subscribe with the simple click or tap; every time there's a new show it automatically downloads.There are video podcasts, too, another form of free entertainment at home or on the go.Same goes for classic radio dramas.Popularized in the '40s before television took off, "old time radio" (OTR) shows, as they're referred to today, are enjoying a 21st century rebirth thanks to the Internet and MP3 files.Recommended shows include the creepyInner Sanctum and Price of Fearwith Vincent Price" mysteries; nail-biting adventures from Suspense and Escape; the antics of Jack Benny and Abbott and Costello; and sci-fi classics likeJourney Into SpaceandX Minus One(featuring many Ray Bradbury yarns).Filling up your smartphone, tablet or computer with these timeless tales is as easy as subscribing to one of the many dozen OTR podcasts (some with daily updates) or by bookmarking websites such as Archive.org, Relic Radio and OTRCat.com, each with thousands of free downloadable episodes.
Books Deals
g: 0 Posted By: TheDealBaby
Views: 118 Replies: 0 ~http://www.tkqlhce.com/click-7683057-12020771

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~http://www.tkqlhce.com/click-7683057-12020771

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

Detailed version is below, but probably not necessary.

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

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

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

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

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

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

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


Credit Deals
TWO FREE RENTAL Codes via Text from REDBOX expire in 7 days
Added on : Friday November 21st 2014 04:00:02 AM
g: 0 Posted By: MISTERCHEAP
Views: 25 Replies: 0 text MOVIENIGHT to 727272 to get a free movie rental.

most report getting two codes YMMV, some may only get 1.
Lowepro Stealth Reporter D400 AW Shoulder Bag -- $59.95 + FS at B&H Photo
Added on : Thursday November 20th 2014 06:00:08 AM
g: 0 Posted By: ragingwookiee
Views: 156 Replies: 0 Lowepro Stealth Reporter D400 AW Shoulder Bag -- $59.95 + FS at B&H Photo
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B&H Photo & Video Coupons
Medical billing dispute - lab ran tests a year later that were not needed
Added on : Wednesday November 19th 2014 12:00:12 PM
g: 0 Posted By: seekay44
Views: 81 Replies: 0 Have had a high-deductible plan w/ an HSA for the last few years.
Last year I had some sort of an allergic reaction to something, which showed up as a red rash on my forearms. Went to my family practice (Scripps Clinic), saw Dr. J who ordered a panel of allergy tests but also gave me a steroid and asked me to take Bendryl. If the rash didn't go away in a day or two, I was to go to the lab and get those tests done. The rash went away, and so I didn't go down to the lab.

Fast forward to this Oct and I went back to the same practice and this time saw Dr. N who ordered a regular blood panel as part of the annual physical.

I then got a bunch of EOBs from the insurance company, and all made sense except for one for $930+. After a couple of weeks of digging around and calling the doctor's office, I was finally told that it was the allergy lab tests that were never done in 2013. It seems it was my responsibility to get the "test cancelled" as once the doctor orders it, she can not take it back.

I'm not trying to shy away from paying my bills but it seems wrong that:
[a] its my responsibility and not the doctor's to get that cancelled
the lab didn't even bother to check if those tests were needed after more than a year and just automatically went ahead and did the tests. This is the one I find really weird...

I'm going to try and negotiate with them and see if I can get the bill reduced. From past experience, doctor's offices don't budge once I've received an EOB as they claim its the "negotiated" rate. What else should I try? Would prefer it doesn't end up in collections as that would impact my credit report and I'm looking to buy a house in the next year or two.
Question Deals
Rent current home out, buy a new home or rent a new home?
Added on : Wednesday November 19th 2014 11:00:08 AM
g: 0 Posted By: awebs
Views: 135 Replies: 3 I found a few threads on this, but none of them seemed to be in as complicated a situation as we are in so I'm starting a new one. (Sorry if it seems redundant.)

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

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

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

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

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

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

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

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

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

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

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

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

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

Are there any other options we should consider?

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

Thanks in advance for your help!
New User Question Deals
Cashing Out from own LLC by Owner? Issues?
Added on : Tuesday November 18th 2014 02:00:09 PM
g: 0 Posted By: megakiss
Views: 115 Replies: 0 Hello, my friend David operates a LLC and has been taking out monthly ATM cash withdrawals out from his LLC for the past 1 year. Total cash amount withdrawn via ATM is around 105k now in 12 months. David never took out more than 3k or 10k in one day because of obvious cash withdrawal ATM limits in a 24 hour period. Also, when the taxes are filed, this cash which was the profit obtained from the business was documented as income and this cash was not declared as an expense and also no other extravagant expenses were declared in case of an IRS audit. Regular bills such as office rent/phone bills/transportation etc are included in there. In short, timely filing of taxes has been done.

Question here is:

1. Apart from issuing himself a check for all the profits earned as a dividend or setting up a sister company (let's say in canada): is taking out cash from his own business a crime in the eyes of IRS? When this guy david has been paying his taxes every year and not counting this 105k cash withdrawn as an expense. For example, all employees are paid via checks & proper taxes are deducted for them and the business (payroll taxes / unemployment taxes etc).

David knows about the SAR and CTR rules (no 3k cash deposits/withdrawals in 1 day or never any 10k deposits/withdrawals) but he is not trying to commit any fraud here and simply likes to spend money in cash for personal reasons and personal use since he owns the company. Also he has not done any structuring of any types since ATM has a daily limit of granting less than 1000$ per day only. So maximum money you can withdraw from business account in a month is around 28k.

Company's atm card is also used for regular dining / everyday expenses. What David's understanding so far has been is that IRS audit's those businesses who would report cash withdrawals as an expense and not show it as the profit earned by the company. Here in David's case, all this 105k is documented as a profit (all incoming payments in company has been through checks from vendors - so all paper records exists).

If the entire situation described is an issue for IRS, then David would like to stop this and not withdraw any cash from his business account. Please advice

Thanks all for your help.

Regards,
Courtney
Penny Stock Glitch 11/17/14
Added on : Tuesday November 18th 2014 10:00:09 AM
g: 2 Posted By: hustlenomics916
Views: 137 Replies: 2 I just want to see if I was the only one to have this problem. I logged into my share builder account to notice one of my stocks (MJNA) was up from 40 cent to 14 dollars I immediate sold all shares. I checked my email confirmation to notice that the stock actually did not increase I called capitol one 360 ( share builder) they said there was a glitch in the numbers sent from their reporting agencies.
Investing Deals
30-90 days of Free Google Music All Access
Added on : Monday November 17th 2014 05:00:02 PM
g: 0 Posted By: remick
Views: 274 Replies: 1 https://play.google.com/music/listen

The offer is for 90 days but some are reporting only 30 or 60 days


During your trial period, you can stream your favorite albums and songs, create custom playlists, and listen to commercial-free radio stations on the web and through the Google Play Music app.
Once your trial period has ended, youll be automatically billed each month for your All Access subscription. As an active subscriber, youll have access to unlimited streaming music from All Access.
During your free trial, you can cancel at any time. Unless you cancel, you will not be charged until the start of the first paid billing period.

Cancel your Google Play Music All Access trial or subscription
https://support.google.com/googleplay/answer/3122088
Services Deals
g: 0 Posted By: MISTERCHEAP
Views: 281 Replies: 3 1. go to top CashBack dot com (can't be linked in FW)

2. See offer at GIFT CARD MALL to get 20% CB on a $100 Kohls GIFT CARD
MUST BUY ONE $100 DENOMINATION CARD!!! do not buy 2 x $50 or 4 x $25

3. Click thru, buy gc, get $20 CB reported.

4. GC is sent in US MAIL (not sure if there's an EGC option)

offer ends 11/22
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Giftcardmall.com Coupons
Car Accident: Advise on options
Added on : Monday November 17th 2014 06:00:14 AM
g: -1 Posted By: mukkollu
Views: 26 Replies: 1 All,

I met with an accident 2 days back. I was driving a luxury SUV (2014 model, 3 months old). It is fault of the other guy who bumped into my car without stopping at the stop sign. That guy accepted that it was his fault to the Cop. Cop gave him citation. Passenger side of my car was damaged and all the air bags on the passenger side came off. I have the other guy's insurance information and reported to his insurance about the accident and also informed my insurance but told my insurance guys not to proceed because it is other guy's fault.

My worry is if they say it can be fixed, my car will have a lot of depreciation because of the accident.

Please advise what options do I have now?

Thanks in advance.

-S
Personal Finance Deals
g: 0 Posted By: remick
Views: 153 Replies: 0 Conflict, Security and the Reshaping of Society: The Civilization of War
http://www.amazon.com/gp/product/B00BNMIZV0/

This book is an examination of the effect of contemporary wars (such as the 'War on Terror') on civil life at a global level.

Contemporary literature on war is mainly devoted to recent changes in the Theory and practice of warfare, particular those in which terrorists or insurgents are involved (for example, the 'revolution in military affairs', 'small wars', and so on). On the other hand, today's research on security is focused, among other themes, on the effects of the war on terrorism, and on civil liberties and social control. This volume connects these two fields of research, showing how 'war' and 'security' tend to exchange targets and forms of action as well as personnel (for instance, the spreading use of private contractors in wars and of military experts in the 'struggle for security') in modern society. This shows how, contrary to Clausewitz's belief war should be conceived of as a "continuation of politics by other means", the opposite statement is also true: that politics, insofar as it concerns security, can be defined as the 'continuation of war by other means'.



also free

Believe in America: Mitt Romney's Plan for Jobs and Economic Growth
http://www.amazon.com/gp/product/B005LEY5Q0/

Mitt Romney will rebuild the foundations of the American economy on the principles of free enterprise, hard work, and innovation. His plan emphasizes critical structural adjustments rather than short-term fixes. It seeks to reduce taxes, spending, regulation, and government programs. It seeks to increase trade, energy production, human capital, and labor flexibility. It relinquishes power to the states instead of claiming to have the solution to every problem.

Any American living through this economic crisis will immediately recognize the severity of the break that Mitt Romney proposes from our current course. He is calling for a fundamental change in Washington's view of how economic growth and prosperity are achieved, how jobs are created, and how government can support these endeavors. It is at once a deeply conservative return to policies that have served our nation well and a highly ambitious departure from the policies of our current leadership. In short, it is a plan to get America back to work.



Mein Kampf Comes to Washington DC
http://www.amazon.com/gp/product/B00OHXSG0C/

Mein Kampf Comes to Washington D.C. is a digest of Hitlers original 720 page tome. Each chapter in Mein Kampf Comes to Washington D.C. corresponds to a chapter in Mein Kampf. Some chapters are quite short, which is due to the strict exclusion of racist and anti-semantic material. A good deal of Hitlers autobiographical information was also excluded. The digest contains twenty-three chapters of political principles and strategies from Mein Kampf covering: Religion, Education, the Press, and so on. Mein Kampf sold over ten million copies, and transformed an established democracy into a dictatorship.

The principles in this political manifesto are now being used in Washington D.C. by extremists. For example, the strategy and ideology used by the TEA Party to shutdown the United States Government from October 1st to October 16th 2013 (at a cost to the American tax payer of 24 billion dollars) can be found in the first few chapters of Mein Kampf. Today they call themselves the TEA Party, yesterday they were the neocons, and who knows what they will label themselves tomorrow, but the applied ideology, strategy, and tactics of political extremists (all over the world) have a common center Mein Kampf.



Voluntary Peasants Labor of Love, Part 3: The Farm Commune Early Years 1972-'76
http://www.amazon.com/gp/product/B00KVTKJWE

Cool, fun weaving of journalism, humor and stream of consciousness to transport the reader on an entertaining, mind-expanding, psychedelic odyssey. Far out adventures of a UPI reporter, who followed the 60s over the edge; sought Enlightenment and joined 300 spiritual hippies to co-found a remarkable commune in Tennessee awarded the alternative Nobel Peace Prize, the Swedish Right Livelihood AwardFor caring, sharing and acting with and on behalf of those in need at home and abroad.

Imagine all the people living life in peace. That was us! We had it going.

For 13 years, folks lived life in peace, simply, with friends, sharing adventures, working together to help fix the world. Entertaining, never-before-revealed, inside look into iconic American communeThe FarmA bold, shared vision, social experiment of the 60s. At peak1,400 people enjoyed zero unemployment, universal healthcare, food, housing and all necessities on $100/person a month!

A literary labor of love of about group labor of love. Far out, true tales of collective community living, gurus, hippies, and spiritual seekers.

The Farm was a 24/7 peace demonstrationour own town, complete with solar-heated school, soy dairy, clinic, doctors, midwives, bakery, farming, motor pool, good karma cottage industries, radio station, and humanitarian outreach. I was a founder, builder, and resident member for 13 years. I worked as a farmer, carpenter, mason, flour miller, baker, vegan chef, gateman, editor and earthquake reconstruction volunteer in Guatemala, working with a team from The Farm and Mayans; building rural schools, clinics, houses and a clinic for Mother Teresa.

Originally, The Farm was a spiritual hippie cult built around charismatic teacher, Stephen Gaskin. High Times calls GaskinThe Gandhi of the American Counterculture. Over the years, The Farm evolved into Community as Teacher, with Stephen serving as minister and life Coach. Stephen's wife, Ina May Gaskin, was the community midwife and became a major force in popularizing home delivery. Ina May is in the Women's Hall of Fame and is known as the mother of modern midwifery. We examine the guru-student trip and my 13-year, extraordanary relationship with the Gaskins.




Policies to Address Poverty in America
http://www.amazon.com/gp/product/B00L1BN3U6/

One-in-seven adults and one-in-five children in the United States live in poverty. Individuals and families living in poverty not only lack basic, material necessities, but they are also disproportionally afflicted by many social and economic challenges. Some of these challenges include the increased possibility of an unstable home situation, inadequate education opportunities at all levels, and a high chance of crime and victimization.

Given this growing social, economic, and political concern, The Hamilton Project at Brookings asked academic experts to develop policy proposals confronting the various challenges of America's poorest citizens, and to introduce innovative approaches to addressing poverty. When combined, the scope and impact of these proposals has the potential to vastly improve the lives of the poor. The resulting 14 policy memos are included in The Hamilton Project's Policies to Address Poverty in America. The main areas of focus include promoting early childhood development, supporting disadvantaged youth, building worker skills, and improving safety net and work support.



Affordable Excellence: The Singapore Health System
http://www.amazon.com/gp/product/B00CDUS7WS

This is the story of the Singapore healthcare system: how it works, how it is financed, its history, where it is going, and what lessons it may hold for national health systems around the world. Singapore ranks sixth in the world in healthcare outcomes, yet spends proportionally less on healthcare than any other high-income country. This is the first book to set out a comprehensive system-level description of healthcare in Singapore, with a view to understanding what can be learned from its unique system design and development path.

The lessons from Singapore will be of interest to those currently planning the future of healthcare in emerging economies, as well as those engaged in the urgent debates on healthcare in the wealthier countries faced with serious long-term challenges in healthcare financing. Policymakers, legislators, public health officials responsible for healthcare systems planning, finance and operations, as well as those working on healthcare issues in universities and think tanks should understand how the Singapore system works to achieve affordable excellence.



3 Theories of Everything
http://www.amazon.com/gp/product/B007N431DE

What is reality? What is the meaning of human life? Why do we suffer? In this simple volume, international lecturer Ellis Potter explores three major worldviews that propose radically different answers to these eternal questions. In clear and compelling language, Potter shows us that the three worldviews, and the unique hope that each offers to humanity, have profoundly different consequences for how we see everyday reality and the ultimate purpose of our lives. This book is a concise, reader friendly look at 3 basic ways of seeing reality from the East and the West. It wrestles with the problem of suffering and finds solutions in each of the 3 points of view. It is respectful of each worldview and engages the readers in some deep and hard-hitting questions about how they identify themselves and how they look at and understand the world. Reading, thinking about and perhaps discussing this book will bring the readers into a clearer focus of their own way of seeing reality. The book is based on lectures by the author and has a large section of questions and answers drawn from actual discussions.
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Anyone ever do the Opposite of an App-O-Rama, Close-O-Rama?
Added on : Saturday November 15th 2014 06:00:07 AM
g: 0 Posted By: flyalexair
Views: 16 Replies: 0 So I've done it all,
-Credit Card sign ups 50+ credit cards
-Manufactor spend all the possible 5% CC's

Im at a point where I wont do another App-O-Rama for another year or two.

I Want to just close 20+ cards that have no annual fees. I know that its good to have some of these cards for longetivity on my credit report but at the same time I just want to close them so I dont have to worry about them.

Thoughts?
g: 0 Posted By: Treefarn
Views: 71 Replies: 0 So I got an email today from Equifax, an advertisement for their services. The quote in the email says

"In 2013, 1 in 3 people who received data breach notifications became the victims of fraud." Their source was "Javelin 2014 Identity Fraud Report", which is located here: Link

Does that % seem really high? I have nothing to base that on, other than that it seems high, but I can't find any stats in Javelin Report.
Discussion Deals
g: 0 Posted By: hope
Views: 86 Replies: 4 Hi Everyone, i need some advice. We are in contract , buying a home and closing in 4 days . The termite inspection was done 2 days back .This is exactly what the report mentions

1. Dead insects, insect parts, frass, shelter tubes, exit holes, or staining (description and location): Termite shelter tubes on sill plate, bandboard, joists,subfloor, and hardwood floor.
2.Visible damage from wood destroying insects was noted as follows(description and location): Termite damage to hard wood floor, subfloor, joists,bandboard, and sill plate.

Now the inspection people gave an estimate of $900.xx to fix the issue . We the buyers on the other hand don't want to go forward with the contract ..we are not comfortable with the idea of termites as there is already a huge list of things needed to be done to the house already . Our contract states seller will pay for the termite damages and have clean report at least 30 days before closing but again we don't want sellers to fix anything ... we simply want to walk out of it .Is that an option for us ?
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Lego Star Wars AT-AT $87.99 (Reg $109) FS ThinkGeek
Added on : Tuesday November 11th 2014 05:00:06 AM
g: 1 Posted By: gizmo
Views: 193 Replies: 0 LinkyLoo don't forget your 3.5% CashBack
(I reported the lower price to Amazon so we may see it there also)

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Another car accident
Added on : Monday November 10th 2014 12:00:08 PM
g: 0 Posted By: Table83
Views: 35 Replies: 1 Wife got into an accident on Saturday. She rear ended the other car. Don't have comprehensive insurance.

We drive an 06 Nissan quest. Damage is estimated at about $3,000-3500. I could repair the car myself for about $1,000. The state requires a report if the damage is more than $2500 for a car. My wife is trying to report the damage to our car is the $3,000 which would probably mean we get a salvage title.We paid about $8,000 for the car about a little more than a year ago.She hit a 2015 Audi A3. Only appears to be bumper damage.

We moved from Washington a few months ago to Oregon, but never moved insurance over. We registered the car on Friday in Oregon and got new plates. The adjuster is supposed to call us today or tomorrow. Is there anything I need to anticipate? We do pay our premiums, but Oregon coverage will be more. We did notify our agent who gave us a quote when we initially moved.

Where is the best place to get rid of a junk car? I just want to get rid of the car. It runs and drives fine. No leaks and airbags didn't go off. I'll post pics this evening. Any advice?

In the end I'm just glad everyone is OK, but this is kinda a mess.
Need help with tenant situation.
Added on : Monday November 10th 2014 06:00:10 AM
g: 0 Posted By: jurilda
Views: 37 Replies: 0 Hello, this is the first time this has happened to me. I need your help/advise.

I had a tenant that stayed in the property for 3 years. She owes me $1,550.00 approximately 2 months in rent and over $500.00 for the water bills. The lease was for one year and on month to month basis after the first year. The security deposit is $1,000.00. I send her a pay or quite notice she claimed she was moving out in three weeks and she was going to pay me then. She send me in writing to meet her on the weekend at 4:00pm on the move out date. She did move out, but when I went there she left the windows open and the door closed but not locked. I called her and send her a text message she did not reply. I gave her half an hour and she still did not reply. I called the police and they came and I entered the property with the 2 officers the key was left on the counter. The property was damaged such as kitchen door by her dog, floor etc. the property was also very very dirty, the bathroom, the refrigerator, the oven etc. I called a cleaning company today to give me an estimate. I already reported her to the credit bureaus. Please need your advise what do from here. I am planing on pursuing it legally. The property is located in Philadelphia, PA.

ps.the water bill was in the landlords name and I billed tenant it was in the lease as well. she damaged the pump in the toilet and for month alone the water bill is approx. $360.00. We were not allowed in the property in the last three weeks. There is also damage to the ceiling from the toilet that the water was running.
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g: 0 Posted By: ctgolfer
Views: 71 Replies: 1 Sold and Shipped by:
The Core Store

This Notebook PC uses the combined power of a Dual-Core Intel Core i7-640M 2.8GHz Processor and 4GB 1333MHz DDR3 Memory to run computer programs effectively in a fast, productive environment. For organizing digital documents, reports, and presentations, you can always utilize its 250GB storage capacity, USB 2.0 device connections. Manage your workload effectively with more comfort and flexibility. Make the smart choice; get the HP EliteBook 8440p XT920UA Notebook PC.

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g: 0 Posted By: remick
Views: 291 Replies: 0 http://www.amazon.com/Lost-Shangri--Survival-Adventure-Incredibl...

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Military History

Award-winning former Boston Globe reporter Mitchell Zuckoff unleashes the exhilarating, untold story of an extraordinary World War II rescue mission, where a plane crash in the South Pacific plunged a trio of U.S.military personnel into a land that time forgot. Fans of Hampton Sides Ghost Soldiers, Marcus Luttrells Lone Survivor, and David Granns The Lost City Of Z will be captivated by Zuckoffs masterfully recounted, all-true story of danger, daring, determination, and discovery in jungle-clad New Guinea during the final days of WWII.

A lost world, man-eating tribesmen, lush and impenetrable jungles, stranded American fliers (one of them a dame with great gams, for heaven's sake), a startling rescue mission. . . . This is a true story made in heaven for a writer as talented as Mitchell Zuckoff. Whewwhat an utterly compelling and deeply satisfying read!" Simon Winchester, author of Atlantic



also

Don's Great Escape: Life in a German POW Camp
http://www.amazon.com/Dons-Great-Escape-Life-German-ebook/dp/B00...
4.0 out of 5 stars (31 customer reviews)


A Mile in Their Shoes: Conversations With Veterans of World War II
http://www.amazon.com/Mile-Their-Shoes-Conversations-Veterans-eb...
4.5 out of 5 stars (28 customer reviews)


The Nazi Murder Machine: 13 Portraits in Evil
http://www.amazon.com/Nazi-Murder-Machine-Portraits-Evil-ebook/d...
4.1 out of 5 stars (14 customer reviews)


Those Who Dare (Raiding Forces Book 1)
http://www.amazon.com/Those-Dare-Raiding-Forces-Book-ebook/dp/B0...
4.3 out of 5 stars (75 customer reviews)
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g: 0 Posted By: remick
Views: 136 Replies: 0 http://www.amazon.com/Lost-Shangri--Survival-Adventure-Incredibl...

Award-winning former Boston Globe reporter Mitchell Zuckoff unleashes the exhilarating, untold story of an extraordinary World War II rescue mission, where a plane crash in the South Pacific plunged a trio of U.S.military personnel into a land that time forgot. Fans of Hampton Sides Ghost Soldiers, Marcus Luttrells Lone Survivor, and David Granns The Lost City Of Z will be captivated by Zuckoffs masterfully recounted, all-true story of danger, daring, determination, and discovery in jungle-clad New Guinea during the final days of WWII.

A lost world, man-eating tribesmen, lush and impenetrable jungles, stranded American fliers (one of them a dame with great gams, for heaven's sake), a startling rescue mission. . . . This is a true story made in heaven for a writer as talented as Mitchell Zuckoff. Whewwhat an utterly compelling and deeply satisfying read!" Simon Winchester, author of Atlantic
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Free Kindle Book- Face of Betrayal by Lis Wiehl (was $16.99)
Added on : Wednesday November 05th 2014 06:00:07 AM
g: 2 Posted By: remick
Views: 279 Replies: 1 http://www.amazon.com/dp/B007FZOXJM/

FOX News legal correspondent and former Federal Prosecutor Lis Wiehl has created a suspense series as timely as tomorrow's headlines.

While home on break, a seventeen-year-old Senate page takes her dog out for a walk and never returns. The resulting media firestorm quickly ensnares television reporter Cassidy Shaw, Federal Prosecutor Allison Pierce, and FBI Special Agent Nicole Hedges. Together, these life-long friends call themselves The Triple Threata nickname derived from their favorite dessert as well as their uncanny ability to crack cases from their three unique positions of power.
Together, they must find the one face of betrayal amidst a crowd of growing suspectsincluding a US Senatorbefore they become the next victims.

Lis Wiehl's expertise in law, politics, and criminal investigation merges with April Henry's narrative genius to create a gripping mystery filled with rich characters, real danger, and a shocking yet satisfying final twist.

One of top ten best books of year Suspense Magazine
[A] sizzling political thriller . . . The seamless plot offers a plethora of twists and turns. Publishers Weekly
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Some idiot just drove through my fence (with pics!)
Added on : Tuesday November 04th 2014 02:00:03 PM
g: 4 Posted By: Beernuts82
Views: 249 Replies: 5 So this just happened, some kid doing 60 through my neighborhood (25mph, and across the street from a school) lost control and took out my fence. He nearly hit a man walking on the sidewalk also. Police are impounding his car now.

He has insurance (expires Dec 3rd) according to the officer.

How do I proceed here? Just call my homeowners insurance? I'd rather not pay the $500 deductible (I'm guessing its probably close to $500 to have that section of fence replaced.) I do have a police report number, officer name, badge, etc.
Question Deals
g: 6 Posted By: remick
Views: 330 Replies: 0 http://www.amazon.com/gp/product/B00D1W04X2

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

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


also free

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

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

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

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


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

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

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

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


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

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


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

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

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

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


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

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

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

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



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

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

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

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

This little gem also shows you:

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



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Two Free Kindle Books on Ebola and Enterovirus
Added on : Tuesday November 04th 2014 05:00:07 AM
g: 0 Posted By: williamcramer
Views: 11 Replies: 0 Ebola Survival Guide: 12 Things You Must Know to Survive Ebola Outbreak

The 2014 Ebola Outbreak is the largest and most widespread in history. As of October 15, 2014 almost 9,000 cases were reported, with approximately half of those infected resulting in fatalities. This rare and often fatal disease which originated in West Africa has crossed not only the borders of neighboring countries, but has, for the first time ever, spread to the continents of North America and Europe as well.

Myths, misinformation, and conspiracy theories regarding the disease and its spread have been circulated along with actual facts and ever changing statistics. Thousands of people are unsure what to believe and what not to believe, resulting in panic, hysteria, and even paranoia among the general public. What is real and what is made up? Myths almost always have a basis in fact, so how did some of the myths originate?

Find the answers you need and the information you want, put your mind at ease, and within these pages, learn 12 things you need to know to survive the Ebola outbreak.In this book you will find real information on:

What Ebola Virus Disease Is and Where it Came From
How Ebola is Transmitted
Symptoms and Signs of the Infection
How the Infection is Treated
How to Protect Yourself
Traveling During the Outbreak
Debunking Popular and Lesser Known Myths

Download Ebola Survival GuideHere:http://www.amazon.com/dp/B00P38DB64/
Enterovirus: The Preppers Guide to Surviving Enterovirus

Stay calm and dont panic for we have come up with simple solutions on how to protect yourself and your children from getting infected from currently ravaging Enterovirus, type D68 which turned out to be heading towards pandemic proportions, mostly attacking children and teenagers of ages 1 to 18 with a history of respiratory problems.

You wont be feeling helpless anymore, because we are offering simple and easy tips on how to learn to prevent your family from getting infected, offering a reminder of basic hygiene habits that work as good as any vaccine, preventive tips, transmission and treatment facts along with explaining the origin of Enterovirus D68, so you can get to know your enemy better.You will be able to read and learn more about D68 through 6 chapters and following topics:

What is Enterovirus D68, origin of D68
Prevention and how to protect yourself and your family from getting infected
Symptoms of Enterovirus D68 and how to recognize infection
Transmission and treatment for Enterovirus D68
Tips and advice on how to stay virus-free during the season of possible virus infections
How to educate your child to avoid being infected
How to survive Enterovirus D68 outbreak

DownloadThe Preppers Guide to Surviving Enterovirus Here:http://www.amazon.com/dp/B00P6XES22/
g: 0 Posted By: schwab
Views: 145 Replies: 0 Consumer Reports' Best Buy Over the Range microwave, $50 cheaper than other stores. Add to cart to see the final price.

http://www.homedepot.com/p/GE-1-6-cu-ft-Over-the-Range-Microwave...
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Free Over $135 worth of Amazon Android Apps
Added on : Friday October 31st 2014 10:00:10 PM
g: 0 Posted By: bearcloud
Views: 96 Replies: 0 Quickly, get your free apps before it's too late. Ends Saturday...

Plex
Plex organizes all of your personal media, wherever you keep it, so you can enjoy it on any device. With Plex, you can easily stream your videos, music, photos and home movies to your Android phone or tablet from your home computer running Plex Media Server (available for free at https://plex.tv).

Fruit Ninja
Playing with your food might not seem like a crucial part of ninja training, but as the good folks at Halfbrick Studios will tell you--for ninjas, it's more than just a game. All ninjas hate fruit! Join the ninja clan as you slash your way through three modes of juicy gameplay. You'll soon see that Fruit Ninja is the messiest, most satisfying fruit game ever!

Plants vs. Zombies
Get ready to soil your plants! The hit PopCap game comes to Android at last. Forget shotguns, flamethrowers, and cricket bats. A well-tended garden is your best defense against a rampaging horde of undead. Keep the zombies at bay with an array of deadly plants and well-aimed lawnmowers. With Plants vs. Zombies, the fun never dies!

Sonic the Hedgehog
The sequel fans have waited for is finally here - Sonic The Hedgehog 4 Episode I!
Featuring enhanced gameplay elements, including the classic Sonic Spin Dash, and the versatile Homing Attack, Sonic 4 picks up right where Sonic and Knuckles left off.

Human Anatomy Atlas
***** The definitive world-wide bestseller with the most anatomy.
***** The most content of all true 3D anatomy apps. Over 3,800 anatomical structures (1) New microanatomy of senses (2) Anatomy of male and female urinary and reproductive structures (3) Optional animations that present physiology and function.
***** New UI and new features: (1) Share views with other users of Atlas for iPad/iPhone. (2) Create notecards to use in presentations or for studying (3) Access views for all twelve systems from one home screen. Quickly add entire systems to any view.
***** Want to try the app for free? View More from developer and download the free Skeleton Preview version (Human Anatomy Atlas SP).

World of Goo
Beautiful and surprising, the millions of Goo Balls who live in the World of Goo are curious to explore - but they don't know that they are in a game, or that they are extremely delicious.
This is the FULL award winning game, now on Amazon Apps! Drag and drop living, squirming, talking, globs of goo to build structures, bridges, cannonballs, zeppelins, and giant tongues.

Zombie Gunship
Zombie Gunship puts you in the gunner seat of a heavily-armed AC-130 ground attack aircraft. Strategically fire your powerful guns to slay endless waves of zombies and protect the remaining survivors of the zombie apocalypse!

Blocky Roads Pro
The tornado ripped your farm apart and scattered it around the Globe. Collect the missing parts to restore the farm to its former glory!
Choose one of the 9 cars or build your own block by block!

Toca Town
You rule in Toca Town, a play world where anything and everyone is welcome! With different locations and many classic Toca Boca characters, the everyday adventures in Toca Town are infinite.

Unpossible
Unpossible will test your skills, your reflexes, and even your memory. It will make you smile. It will probably make you scream. You will die often and it will always be your fault. Fight to learn the obstaclesthey already know how to fight you. Relentless. Thrilling. Unpossible!

Lapse It Pro
Lapse It is an award-winning full featured app for capturing amazing time lapse clips with your Android camera, simple, fast and intuitive.
"Looking to do time-lapse with your mobile device? Lapse It is a very appealing option" by Erez Zukerman, PCWorld

Can You Escape
Can You Escape saga continues with the grand adventure. Your mission is to test your escaping skills at different locations by solving amazing puzzles and using all the objects around you to advance to the next stages.
Do you accept this challenge? Let's find out if you have what it takes to complete this free, fun and popular adventure game!
Download this game now and find out the answer... Can You Escape - Adventure!

Trivia Crack
From the creators of Aworded arrives Trivia Crack, the amazing quiz game that lets you test your knowledge and challenge your friends to see who is the smartest! Trivia Crack is a trivia game with six different categories: geography, history, art & literature, science and technology, entertainment, and sports. You'll have to collect the characters that correspond to each one of the categories. Spin the wheel and chance will decide which category you will have to answer. If the wheel stops at the special slot, you'll be able to play for a character of your choice! But knowledge is not enough to win!

Devil's Attorney
Devil's Attorney is a turn-based strategy game set in the 80's where you play as Max McMann, a defense attorney that's high on charm but low on moral fiber.
Your objective is to free all of your clients and use the money you earn to buy accessories and new furniture for your apartment; boosting your ego and unlocking new courtroom skills in the process.

BeFunky Photo Editor Pro
With all the photo effects you love and many you wont find anywhere else, BeFunky is the most feature filled photo editing app in the world! BeFunky comes stocked with powerful photo editing tools, tons of fonts (tons more now because you can access all the fonts in your device!), fantastic photo frames, a bunch of great goodies and stickers, and the ability to simultaneously share your photo to your device AND BeFunky/Facebook/Twitter/Instagram/Flickr/Tumblr, then to top it all off we added our WORLD FAMOUS Collage Maker!!

Endomondo Sports Tracker Pro
The only personal trainer youll ever need fits right in your pocket. Whether youre running, cycling, walking, kayaking, or something completely different, we keep you motivated, and most importantly - keep what youre doing fun.
Track routes, record stats and share your workouts - all from one simple app. Join 25 million users and start freeing your endorphins.

Repix
Repix is more than a photo editor. Its a creative tool that lets you turn ordinary photos into masterpieces. Studio-grade technology and intuitive interface to inspire new levels of creativity.

Plant's Vs Zombies (WIFI Download Only)
Get ready to soil your plants! The hit PopCap game comes to Android at last. Forget shotguns, flamethrowers, and cricket bats. A well-tended garden is your best defense against a rampaging horde of undead. Keep the zombies at bay with an array of deadly plants and well-aimed lawnmowers. With Plants vs. Zombies, the fun never dies!

Longman Dictionary
"Longman's flagship learners dictionary is now available as an Android application. Improve your fluency in English with the most up-to-date learner's dictionary at your fingertips.
Now with integrated Thesaurus and Collocations Dictionary.

Easy Voice Recorder
Easy Voice Recorder Pro is a fun, simple and easy to use audio & voice recorder. Use it to reliably record your meetings, personal notes, classes, and more, with no time limits or ads!

Icebreaker: Viking Voyage
An epic adventure based on the award-winning flash game!
An icy wind has swept the Vikings away, leaving them stranded throughout the land and surrounded by trolls, deadly traps, dangerous enemies, and worst of all troll snot!
Now its up to you to save them!

Eve of Genesis
Two thousand years ago, a faraway world was under the control of an empire of living machines. Humans toiled for their robotic masters for ages, until the day revolution finally came. The dread empire was driven into the Lands of Darkness, and humans could finally chart their own future.

ScreenDim Full
Is your minimum screen brightness still too bright? Dim your screen below what your device normally permits for comfortable use in darker environments, reading in bed, amateur astronomy, etc. Save battery life. No root required.

Alpha Wave
Do you have 10-15 minutes to kill? Alpha Wave was made for just such an occasion! A well polished, extremely easy to play, intense arcade space shooter with it's roots firmly planted in the old-school arcade classics such as AstroSmash, Galaga and Asteroids.

Eufloria HD
Experience space exploration, conquest, plant growth and bio mechanical evolution. Conquer asteroids in deep space and use their resources to grow and nurture semi-organic plants and creatures to do your bidding. Plan your strategy against AI opponents that all vie for the same resources and offer fierce opposition.

CarbsControl Carb Counter and Tracker
Perfect for people with diabetes and those on low-carb diets, CarbsControl App keeps your carbs under control.
With 80,000 foods and details from 300 restaurants and 500 specific brands, youll know exactly where you stand with your carbs for the day. This App works great with the Atkins Diet, South Beach Diet, the Zone Diet, Protein Power Lifeplan, Go Lower Diet, and other low-carb plans. Its also helpful for those trying to lose weight or maintain their current weight by cutting back extra carb calories. This App helps you stick to your carb goals even when eating out.

Amelia and Terror Night Story Book for Kids
Help Amelia and team rescue their friend from devious dark creature - Whine.
It is a story about friendship, acceptance, cooperation and courage. Discover unique adventure you have never seen before.

Weird Park: Scary Tales
Louis the Clown and Mr. Dudley are back in an all-new disturbing adventure full of twisted versions of childrens fairy tales. Play through the dark and well-crafted puzzles, discover hidden objects, and rescue the children who have been taken to the evil clowns tower. You will be drawn in by the amazing story, the creepy atmosphere, and the awe inspiring cinematics. Prepare for anything in Weird Park: Scary Tales!

Braveland
Braveland is a turn-based game inspired by old-school strategies. You start as a humble warrior's son whose village was cruelly raided by bandits and use your wits and skill to become a commander of your own army. The game story takes place in a carefully drawn colorful world, which the path of your hero will go through.

Knock-knock
Three generations of Lodgers have occupied the cabin, but lately, the walls seem to undulate, skittering unknowns shift in the darkness, and an unruly growl seeps from the attic. Are they hallucinations pecking at the insomnia-afflicted Lodger, or the gnarled remnants of a darker secret?

MoneyWiz - Personal Finance
Have all your accounts, transactions, budgets and bills in one place. See forecasts & reports. Import easily from other software. Always have your data in sync between multiple devices with SYNCbits. This is MoneyWiz!

Hidden Object - Haunted House 2
Popular Hidden Object - Haunted House game is back with 20 new spooky levels! Packed with loads of items to find, this sequel to the amazing hidden object game sends more goosebumping and chilling experience to loyal fans!

Timers4Me - Stopwatch Pro
Timers4Me Plus is an easy-to-use count down timer tool to create and manage multiple timers, such as parking timer, cooking timer, working timer, napping timer, sports timer and more. The best timer tool you must have!
NO TIMER NUMBER LIMIT,AD FREE AND LESS PERMISSIONS COMPARED TO THE FREE VERSION TIMERS4ME

ai.type Keyboard Plus
Over 10 million users LOVE ai.type! Now launching a brand new premium version with significantly improved next word prediction capabilities and a refreshing FLAT design, ai.type is the smartest Android keyboard with context aware features.

XnInstant Camera Pro
Take awesome photos in vintage style with many professional real-time filters.
Perfect app for selfies, you can take several photos in a row at events, parties with your friends.

Web of Deceit (Kindle Edition)
Youre drawn into a web of deceit when your train stops in Andville, where the Black Widow lies in wait. Follow a trail of clues and dead husbands as you explore this once picturesque town now at the mercy of the Black Widow and her mechanical minions. What drives her lust for revenge? Where is the root of her strange power? Uncover the bizarre history and mystery of this little town. And track down the Black Widow in time to foil her devious plot for revenge! Discover more from Big Fish Games! Big Fish is the leading global marketplace to discover and enjoy casual games.

V for Vampire
Help the little Vampire to make his way through the levels to the objects of his desire: Beautiful pale Princesses with delicious royal blood running through their veins!
Nerdy skeletons, witty witches and angry bats will try anything to get in your way! Make sure to turn off every source of light by throwing stones and bombs. Use bouncing magic mushrooms, flooding water, disgusting smoke and many other items! If you succeed, a very tasty reward will be yours!

To-Fu Fury
To-Fu Fury is a fast-paced, action-packed take on the puzzle-platform genre. Use the Amazon Fires ground-breaking Dynamic Perspective to solve crafty physics puzzles and triumph in frenetic melee battles. Stick to wooden surfaces, slide down slippery jade, and use metal to ricochet towards your goal but beware the deadly traps and devious Hoshi bandits!
Free Apps Deals
Buy 2 Get One Free Video games back at Target! (Nov 9th)
Added on : Thursday October 30th 2014 09:00:02 AM
g: 1 Posted By: megachacker
Views: 87 Replies: 0 It appears beginning November 9th for one week, Target is offering ALL games on ALL platforms at Buy 2, Get 1 Free (I'm guessing very similar to last years deal). If memory serves me correctly, Best Buy and Wal-Mart ad matched this and online, Amazon also matched the offer.

I pulled this from a Yahoo story I just now saw so I don't take credit for it, just informing others b/c I didn't see a post yet.

https://games.yahoo.com/news/report-target-best-buy-kickoff-161024419.html
g: 0 Posted By: Outkast25
Views: 191 Replies: 3 D-Link Wireless AC1000 Mbps Cloud App-Enabled Dual-Band Broadband Router DIR-820L

Technical Specifications
2.4GHz Frequency
IEEE 802.11n
IEEE 802.11g

5GHz Frequency
IEEE 802.11ac (draft)
IEEE 802.11n
IEEE 802.11a

Physical Interfaces
4 Fast Ethernet Ports
1 Fast EthernetWANPort
WPS (Wi-Fi Protected Setup) Push Button
USB 2.0 Port
Reset Button

Antenna Type
Internal Antennas

Ethernet Interface
4 10/100 Fast Ethernet Ports
1 10/100 Fast EthernetWANPorts

Security
Wi-Fi Protected Access(WPA/WPA2)
WPS (Wi-Fi Protected Setup)

Advanced Firewall Features
Network AddressTranslation (NAT)
Stateful PacketInspection (SPI)

Power
DC 12V/2A

Mobile Apps
SharePort Mobile
QRS Mobile
mydlink Lite

Advanced features
VPNpassthrough
Guest Zone Support
IPv6

Dimensions
Item: 4.37 x 3.66 x 5.71 inches
Box: 10.79 x 8.19 x 4.64

Package Contents
Wireless AC1000Dual Band Cloud Router(DIR-820L)
Ethernet Cable
Power Adapter
Quick Install Guide

Linky
Routers Deals

Rakuten.com Shopping Coupons
Subrogation
Added on : Wednesday October 29th 2014 06:00:16 AM
g: 0 Posted By: jamesinncc
Views: 103 Replies: 1 Does anyone know if a different homeinsurance company thatfiles a subrogation claim on your home insurance can affect the CLUE reports and you might see a hit there? And whether the repercussions of subrogationare sameas you filing a claim yourself? (increase premiums, $ cost on renewals or shopping for new home insuranceetc)?
Personal Finance Deals
New Chase Savings account opening bonus $200 worth it?
Added on : Tuesday October 28th 2014 05:00:04 PM
g: 0 Posted By: usethisemailforcraigslist
Views: 79 Replies: 0 I got a "coupon" . Here's the deal -
Open a new Chase savings account. Fund it with a minimum of $15k and keep the $15k for 90 days. At the end of 90 days, receive $200 bonus.

Based on my math, that's around $63 per month, which seems to be close to 5% APY as would have been offered by rewards checking accounts / online savings accounts for a $15k amoun. Right now, my $5k in Mango is the only highest earner at 6%, the rest is at an online savings account close to 1%. So I figured, mathematically, moving $15k should be beneficial.

First of, am I doing that right?

Second, I don't see a reason to keep the $15k in Chase beyond the 90 days. Has any one opened a Chase account for a specific amount of time, received a bonus and closed the account right away? Just wondering if Chase would allow that, if there are any penalties to pay Chase, if there are any penalties to pay in terms of Credit Reports / Credit Histories etc.
New User Question Deals
OnePlus will hold Another Pre-Order on November 17
Added on : Tuesday October 28th 2014 04:00:10 PM
g: 0 Posted By: bandyopa
Views: 209 Replies: 0 Android Central reported that OnePlus will hold another Pre-Order on 11/27 to makeup foryesterday's mess. See here:

http://www.androidcentral.com/oneplus-apologizes-pre-order-snafu-announces-second-pre-order-window-november-17th

Tintin
Cell Phones Deals
g: 0 Posted By: malice9999
Views: 56 Replies: 0 http://www.costco.com/APC-1080VA-Power-Saving-Back-UPS-with-8-Ou...- $99.99 + tax, Free Shipping.

Might also be available in warehouse- I'll check tomorrow and report back. Of course, you'll need a membership in either case. Reviews are favorable and average price is $149 elsewhere. Deal ends 11/16/14.

Model: APC BN1080G
Number of Outlets: 8
Interface Port(s): USB
Control Panel: Multi-function LCD
Output Rating (VA): 1,080 VA
Output Rating (Watts): 650 W
Surge Protection: Yes, 354 Joules
Data Line Protection: RJ-11, RJ-45, coax
Weight: 23.58 lb.
Dimensions: 9.84" x 3.94" x 15.04" (H x W x D)
Warranty: 3 years




Costco Deals
Debit card issues?
Added on : Monday October 27th 2014 09:00:09 AM
g: 0 Posted By: downhillskier
Views: 13 Replies: 0 After having my MidWest America Federal Credit Union debit card declined this past weekend, I called today to see if my account had been locked for some reason. They informed me that their processing system went down on Saturday morning and they are working on it. They also said that it has also affected other financial institutions. Has anybody heard about this and know any other details? Searching online, I can't find any reports from other financial institutions having problems (though, this one didn't come up in my searches either).
g: 1 Posted By: invisible
Views: 1695 Replies: 20 Go to www.key.com/250more ( key . com / 250more <-- remove blanks )


To Get Your $250 Gift
Open a qualifying KeyBank checking account(*) online and enter offer code RETB1014by 12/5/2014 and make one direct deposit of $500 or more within 60 days after account opening.

Just answer a few simple questions and we'll help you find the right checking account to meet your needs.Find Your Account

(*) Between 10/8/14 and 12/5/14, you must
(1) open a KeyBank Checking Account, meaning (a Key Express Checking=5px- this is the basic banking account in New York - or; Key Advantage=5pxor; Key Coverage Checking=5pxor; Key Privilege=5pxor; Key Privilege Select Checking) or KeyBank Hassle-Free Account℠ ; and
(2) make one direct deposit of $500 or more within sixty (60) days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual.The value of your gift will be reported on Form 1099-INT.Your gift will be deposited into your account within 90 days of meeting requirements. Offer is not available to individuals who have had a KeyBank checking account or a KeyBank Hassle Free℠ account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Normal account service charges may apply; please refer to specific account disclosures for details. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Offer/coupon cannot be sold. Other miscellaneous charges may apply.

---------------

This is a better deal than previous, also not high on hassle scale for $250 but YMMV.
Igot in same deal ending October 10 but was late in posting and saw this is now extended to Dec 5 so posting here.

Data points:
I completed painless online opening and kept all sceenshots, Took the most basic of their checking. Did not order checks.
Online setup was quick but needed to wait until debit card arrived though their process says can work w/o debit card.
The online verification was most weird as the credit Qs they ask during online setup were vague and they called to verify some of that.
I wasn't sure of $500 DD even though CSR said ACH may work, other CSR said should be payroll, ss etc so took no chances and did payroll DD just for 1 pay.
They are slow to set up external fund transfer (takes 10+ days after trial deposits) but was easily able to pull cash out from DD next day online
After DD completion verified that I am on track to get $250

I did already have acct with them in 2011 and closed but seems they kept old login id alive so was able to use that
Funny and alarming: in there my very old other bank account external transfer was still present -- I let the sleeping lions lie.
Overall worth doing as only irritation was long wait for ach trial deposits

Oh and avoiding monthly fees need 8 debit transactions or 500DD per month.
So been doing 8 debit transactions online paying cell phone $1 x 8

Update from others:
Offer code is RETB1014, but on applying many reporting a need for a "Reservation Code" -- contacting Key they say the reservation code was on the mailer
I wonder if calling key (for those in the mentioned states) to resend any such mailer will work -- as plenty of time until 12/5

Those who cannot get Key to send you a mailer or did not get one might need to take up this lower ($200) offer posted earlierhttp://www.fullofdeals.com/forums/finance/1395634/

Deposits Deals
Comcast unauthorized hard credit pull
Added on : Saturday October 25th 2014 10:00:06 PM
g: 0 Posted By: sherap2
Views: 64 Replies: 3 Comcast hard pulled my credit report on Oct 3rd & billed me for a new service at an address I moved out over 2 months ago. USPS forwarded the bill to my new address 2 days ago.

I contacted comcast, spoke with few of their executive dept reps over the phone. They told me the charge is removed and promised to contact the credit bureau to have the hard pull "MASKED". Before I moved out, I transferred the service out to my new address. So there was No mistake on my part. But seems like Comcast still billed me and pulled my credit for new tenant's service order.
First I thought that was another meaning of removal and told them fine do it. Almost 2 weeks later, I still see the HP and even contacted Equifax to inquire. They told me the HP is still there, not masked or removed & comcast hasn't contacted them to mask or remove it. Called Comcast again and the agent tells me to wait bit longer.

I know they don't care about the HP but I do as I don't waste HP for nothing and specially when this is an illegal, unauthorized inquiry on my CR.
I just filed a BBB complaint to have it DELETED from my CR. I don't want 'MASKED" . Masked still means the HP is there. I have asked Comcast to send me a letter showing the unauthorized hard inquiry removal. Because if they have done something to correct their mistake, I needed proof. They can have it deleted just as they were able to pull my credit.

Has this happened to you and what did you do?

Question Deals
g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 use promo code: VISACHECKOUT and pay using Visa Checkout

TRIM command and Garbage Collection technology, to resolve decreased efficiency issue
NCQ and RAID ready
DureWriteTM and wear leveling, to extend endurance
ECC (Error Checking & Correction) technology, to guarantee data transmission reliability
SMART (Self-Monitoring, Analysis & Reporting Technology) monitoring system

www.newegg.com/Product/Product.aspx?Item=0D9-0021-00006
SSD Deals

Newegg Coupons
g: 0 Posted By: invisible
Views: 86 Replies: 4 Go to www.key.com/250more ( key . com / 250more <-- remove blanks )


To Get Your $250 Gift
Open a qualifying KeyBank checking account(*) online and enter offer code RETB1014by 12/5/2014 and make one direct deposit of $500 or more within 60 days after account opening.

Just answer a few simple questions and we'll help you find the right checking account to meet your needs.Find Your Account

(*) Between 10/8/14 and 12/5/14, you must
(1) open a KeyBank Checking Account, meaning (a Key Express Checking=5px- this is the basic banking account in New York - or; Key Advantage=5pxor; Key Coverage Checking=5pxor; Key Privilege=5pxor; Key Privilege Select Checking) or KeyBank Hassle-Free Account℠ ; and
(2) make one direct deposit of $500 or more within sixty (60) days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual.The value of your gift will be reported on Form 1099-INT.Your gift will be deposited into your account within 90 days of meeting requirements. Offer is not available to individuals who have had a KeyBank checking account or a KeyBank Hassle Free℠ account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Normal account service charges may apply; please refer to specific account disclosures for details. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Offer/coupon cannot be sold. Other miscellaneous charges may apply.

---------------

This is a better deal than previous, also not high on hassle scale for $250 but YMMV.
Igot in same deal ending October 10 but was late in posting and saw this is now extended to Dec 5 so posting here.

Data points:
I completed painless online opening and kept all sceenshots, Took the most basic of their checking. Did not order checks.
Online setup was quick but needed to wait until debit card arrived though their process says can work w/o debit card.
The online verification was most weird as the credit Qs they ask during online setup were vague and they called to verify some of that.
I wasn't sure of $500 DD even though CSR said ACH may work, other CSR said should be payroll, ss etc so took no chances and did payroll DD just for 1 pay.
They are slow to set up external fund transfer (takes 10+ days after trial deposits) but was easily able to pull cash out from DD next day online
After DD completion verified that I am on track to get $250

I did already have acct with them in 2011 and closed but seems they kept old login id alive so was able to use that
Funny and alarming: in there my very old other bank account external transfer was still present -- I let the sleeping lions lie.
Overall worth doing as only irritation was long wait for ach trial deposits

Oh and avoiding monthly fees need 8 debit transactions or 500DD per month.
So been doing 8 debit transactions online paying cell phone $1 x 8
Deposits Deals
g: 0 Posted By: remick
Views: 376 Replies: 0 http://www.amazon.com/Guidance-Creating-Your-Power-Attorney-eboo...


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

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

Sample Forms Include:

Wills

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

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

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

No CDs | No Confusing Online Application Forms | No Monthly (Or Hourly) Fees

Save Time | Save Money | Make It Legal | Learn Basics

Youll discover how to:
ensure your possessions will be distributed as you wish,
authorize someone to act on your behalf regarding healthcare and financial matters if you become unable to make your own decisions,
reduce the potential family conflicts,
reduce stress and heartache for loved ones,
and specify funeral wishes,




also free


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

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

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

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

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

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

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

Here Is A Preview Of What You'll Learn...
Pros and Cons of Early Retirement
Taking Stock of Your Options
A Nest Egg to Fund Your Early Retirement
Watch it Grow! The Power of Compound Interest
Nontraditional Ways to Fund Your Early Retirement
Health Insurance and the Retiree
Pitfalls of Early Retirement Planning
Much, much more!



Retirement Solutions: Financial Strategies for Today's Retirees
http://www.amazon.com/Retirement-Solutions-Financial-Strategies-...
4.8 out of 5 stars (20 customer reviews)

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





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


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

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

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

Open the book to:
Outsmart the system by learning how your estate can lower estate taxes, avoid probate, and avoid some of the common pitfalls,
Control the future of your stuff by preparing for the needs of your loved ones after your death,
and Eliminate uncertainty in tomorrow with a plan in hand.
˃˃˃ No matter the size of your estate or the type of property you own, this book provides information you can use to plan your estate, including why you need a will, power of attorney, and living trusts. An estate plan can help ensure your wishes are carried out following your death and creating an estate plan can provide you with the peace of mind of knowing that your final arrangements have been planned.
With this book, youll discover:

what is a will,
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common legal terms,
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˃˃˃ Easy to understand, in plain language, and a time saver, Estate Planning in Plain-English is designed for married couples with and without children, and single people in all 50 States and Washington, D.C. who want to find estate planning information they can understand, quickly, and accurately.
Take action before an emergency or crisis
Make your death or incapacity (i.e., vegetative state) a little easier on your family and loved ones
Gain certainty in the future of you and the stuff you leave behind
Gift yourself some peace of mind
Books & Magazines Deals

Amazon Coupons
Consumer Reports for $15/13 issues, new or renewal
Added on : Thursday October 23rd 2014 11:00:02 AM
g: 1 Posted By: cga
Views: 81 Replies: 0 Consumer Reports for $15/year

Via TopMags. No automatic renewal. For new or renewal subscriptions. 13 months.

Must usecoupon code "99763".
g: 0 Posted By: TheDiggler
Views: 20 Replies: 0 Wells Fargo customers can get their Experian VantageScore CREDIT SCOREand CREDIT REPORT for free by visiting a local WF Branch and obtaining a pamphlet w/ (unique) personal access code from a banker. Thereafter,complete the process by going to www.wellsfargo.com/creditscore

According to the T&C's, you can get an updated SCORE (up to 5 times) over the next 90 days (not sure if they'll provide an updated REPORT as well):

After you access your credit score and credit report, for an additional 90 days you can:

Get your credit score for free up to five times: Revisit your credit score and see if it changes. As information on your credit report changes, so can your credit score.
Monitor your credit report: Check for errors and take steps to correct them, or simply check to see if any activity has occurred.



Previous thread on this subject
Deal Deals
Authorized User Removed from Credit Report --Chase
Added on : Wednesday October 22nd 2014 04:00:12 AM
g: 0 Posted By: PaisanDom
Views: 44 Replies: 0 Has Chase stopped reporting authorized users on credit reports? I was an authorized user on an old Chase card and as of my last report the account was removed. It's dropped the average of my credit from 8y 2mo to 6y 10mo, and my score dropped 10 points. The account is still open and I'm still a user. Has anyone else noticed this? Is there any way to get the account back on my report?

The closest I found was this post http://www.fullofdeals.com/forums/finance/1299538/ and another 10 years old
General Economics Deals
List of Data Breaches (Last Updated 10/21)
Added on : Tuesday October 21st 2014 07:00:07 AM
g: 29 Posted By: bargainr
Views: 3076 Replies: 25 I'll update this as and when new breaches are announced. Updates will be noted in the Title and include the Last Update Date. "!!" Next to the retailer will note the new update.

Chase JP Morgan Data Breach
Announced: Oct 2014
Customers Affected: 76 million + 7 million businesses
https://www.chase.com/services/customer-notice-faq

Dairy Queen
Announced: Oct 9, 2014
Dates Affected: Unknown
Customers Affected: Unknown
http://www.dq.com/us-en/datasecurityincident/affected-stores/?lo...

Home Dept Data Breach
Announced: Sept 8, 2014
Dates Affected: April 2014 to September 2014
Customers Affected: Unknown
https://corporate.homedepot.com/mediacenter/pages/statement1.aspx

Jewel Osco Data Breach
incl. Alberstons, ACM Markets, Shaw's, Star Markets
Announced: Aug 14 2014
Dates Affected: Jun 2014 to Jul 2014
Customers Affected: Unknown
http://www.jewelosco.com/2014/08/ab-acquisition-llc-confirms-inc...

Jimmy John's Data Breach
Announced: Sep 24, 2014
Dates Affected: Jun 2014 to Sep 2014
Customers Affected: Unknown
https://www.jimmyjohns.com/datasecurityincident/

K Mart Data Breach
Announced: Oct 10, 2014
http://www.kmart.com/en_us/dap/statement1010140.html?adcell=hpne...

Neiman Marcus Data Breach
Announced: June 15, 2014
Dates Affected: July 16 and October 30, 2013 (may be as early as March)
http://www.neimanmarcus.com/NM/Security-Info/cat49570732/c.cat

PF Changs Data Breach
Announced: Aug 4, 2014
http://www.pfchangs.com/security/

!!Staples (Reported, not yet announced)
Reported: Oct 21, 2104
No formal announcement, reported on MSN and other sites.
http://www.msn.com/en-us/money/companies/staples-says-investigat...

Target Data Breach
Announced: Dec 2013
https://corporate.target.com/about/shopping-experience/payment-card-issue-FAQ

UPS Stores Data Breach
Announced: Aug 2014
Dates Affected: Mar 26 2014 - Aug 10 2014
Customers Affected: Unknown. 51 locations, 24 states
http://www.theupsstore.com/security/Pages/default.aspx

Viator Data Breach
Announced: Sep 19, 2014
Dates Affected: Unknown
Customers: 1.4million
http://www.viator.com/about/media-center/press-releases/pr33251

NOTES
I have seen people repeatedly suggest this be a sticky or summarized. So starting this master list of retail or banking data breaches. Not exhaustive, I just did the ones I know. If someone wants to take over and make it a sticky I think that's a good idea.

There's actually a *currently* 180+ page report that you can download here(PDF) that lists all data breaches across EVERY category (retail, banking, government, education, etc). It looks pretty exhaustive.


Discussion Deals
Minority Report (Blu-Ray) - $7.88 FSP at Walmart
Added on : Tuesday October 21st 2014 06:00:04 AM
g: 0 Posted By: chanolynn
Views: 110 Replies: 0 Walmart has theMinority Reporton sale for $7.88 with free store pickup.

Amazon has price matched Walmart at $7.88 with free Super Saver Shipping on orders over $35.

Notes:Based on a short story by the late Philip K. Dick, this science fiction-thriller reflects the writer's familiar preoccupation with themes of concealed identity and mind control. Tom Cruise stars as John Anderton, a Washington, D.C. detective in the year 2054. Anderton works for "Precrime," a special unit of the police department that arrests murderers before they have committed the actual crime. Precrime bases its work on the visions of three psychics or "precogs" whose prophecies of future events are never in error. When Anderton discovers that he has been identified as the future killer of a man he's never met, he is forced to become a fugitive from his own colleagues as he tries to uncover the mystery of the victim-to-be's identity. When he kidnaps Agatha (Samantha Morton), one of the precogs, he begins to formulate a theory about a possible frame-up from within his own department. Directed by Steven Spielberg, who hired a team of futurists to devise the film's numerous technologically advanced gadgets, Minority Report co-stars Colin Farrell, Max von Sydow, and Neal McDonough.

4.0/5 stars based on 838 customer reviews on Amazon.

The next lowest price from a rated merchant on Google Shopping is $14.25.
Blu Ray Deals

Amazon Coupons
25 Recyclebank Points - From Sour to Sweet
Added on : Monday October 20th 2014 03:00:08 AM
g: 1 Posted By: Connman
Views: 145 Replies: 0 Posted Today:
https://livegreen.recyclebank.com/earn/from-sour-to-sweet(25 pts)

Posted recently (but I believe these have not been reported - at least I missed them):
https://livegreen.recyclebank.com/earn/CareToRecycle
-5 Things Everyone Forgets to Recycle in the Bathroom(25 pts)
-Care to Recycle Scavenger Hunt (10 pts - there are 3 different 10 pt ops on this screen)
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g: 0 Posted By: jamesfatwallet
Views: 29 Replies: 0 Saw this in the branch today.

For 90 days, you can:
- Get your credit score - up to five times: Revisit your credit score and see if it changes. As information on your credit report changes, so can your credit score.
- Review and monitor your credit report: See what lenders can see, check for errors and take steps to correct them, or simply check to see if any new activity has occurred.

You will receive an educational credit score based on VantageScore 3.0 provided by Experian.

Limited Time Promotion
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link
Credit Deals
Tenant Broke Lease/Demanding deposit +back rent for A/C Problem
Added on : Friday October 17th 2014 07:00:16 AM
g: 0 Posted By: TXLandlord
Views: 124 Replies: 6 Tenant signed 6 months lease for a temp place while he was renovating his home. About 40+ days through, he said the A/C broke. I took care of A/C problem within 2-3 days but he kept on complaining about home not cooling enough but A/C guys said there was no issue with A/C unit. The house was full of furniture/stuff from his old house, hardly there was a space to walk around. 2 months through, he continued to complain without staying in the house overnight. I told him to move out early if he's not happy with proper notice but he'll have to forfeit the deposit.
At the end of 3rd month, he vacated the house without giving 30 days notice and asking me to refund deposit+3rd month's back rent when he's living in the house.

Initially I thought of letting him go with the available deposit, but with his demands, I would like to bring him to justice and collect the rent for all 6 months or till the days, the house is rented back again. By contract terms, I took care of issues he reported to me on time but he broke the lease, didn't give 30 days notice.
Please advice on how to proceed and if I hire an lawyer, how much would be lawyer costs in TX?
Personal Finance Deals
Taxes on Rental Property Sale
Added on : Wednesday October 15th 2014 09:00:09 PM
g: 0 Posted By: as140674
Views: 61 Replies: 0 We used to live in a single family home that was converted to a rental property few years ago. We reported all rental income and all related expenses including mortgage interest etc on Schedule E together with our tax return every year. We never included or claimed depreciation on the property.

We recently sold the property for a small capital gain amount. We are confused about the following:

1. We are in the 15% marginal tax bracket and we were told that we will not be taxed on for the gain (a zero capital gain liability). Is this correct?

2. Are going to be taxed on the depreciation recapture even though we did not take advantage and didn't claim depreciation in our prior tax returns? Should we amend prior years tax returns or claim depreciation for the last year of ownership?

3 What is the tax rate on the depreciation recapture? Which IRS form we use to report the sale when we file next year return?

Your help is greatly appreciated!
Real Estate Deals
g: 1 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/gp/product/B008RLPX1K

4.8 out of 5 stars (25 customer reviews)

The U.S. Department of Health and Human Services reports that 80 percent of childhood abuse victims later suffer from at least one abuse-induced psychological disorder. Its proven that the effects of childhood abuse follow women into adulthood. Yet few men are prepared to deal with those effects, even when their own wife is the one who is suffering. And their wifes suffering becomes their own suffering as their needs arent being met by a wife who is powerless to control her inner turmoil.



also free

Abusive Relationships: How to Recognize the Dangerous Signs, Protect your Self-Esteem and Deal with Any Situation Before it Turns Violent
http://www.amazon.com/gp/product/B00JNU0WSI
4.9 out of 5 stars (9 customer reviews)


Books Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 39 Replies: 0 Gun Digest 2015 Edition NEW + 2015 Gun Digest page-a-day Calendar (39% off MSRP) $29.99 + $5.99 S/h

http://www.gearhog.com/

Deal Overview
Gun Digest 2015, 69th Annual Edition
By Jerry Lee

You'll enjoy this gun book if:

+ You want updated information and gun reviews on both recently released firearms & older guns
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In our 2015 69th Edition, Jerry Lee again helps us carry on the tradition of being the gun book every firearms lover turns to.

With in-depth articles about today's most fascinating guns, both old and new, testfire stories on the industry's hot-off-the-line guns, insights on fine collectibles and custom creations, and up to date reports on new optics, guns, ammo, and reloading equipment, this book has something for everyone.

In Gun Digest 2015 you'll find:

+ Hundreds of full-color photos
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Gun Digest Great Guns 2015 Daily Calendar

+ A full-color image of a different rifle, handgun, or shotgun on every page
+ Facts and figures on today's most popular firearms

g: 0 Posted By: Farfisa850
Views: 1 Replies: 0 http://www.ebay.com/itm/D-Link-Wireless-AC1000-Mbps-Cloud-App-En...

Technical Specifications
2.4GHz Frequency
IEEE 802.11n
IEEE 802.11g

5GHz Frequency
IEEE 802.11ac (draft)
IEEE 802.11n
IEEE 802.11a

Physical Interfaces
4 Fast Ethernet Ports
1 Fast EthernetWANPort
WPS (Wi-Fi Protected Setup) Push Button
USB 2.0 Port
Reset Button

Antenna Type
Internal Antennas

Ethernet Interface
4 10/100 Fast Ethernet Ports
1 10/100 Fast EthernetWANPorts

Security
Wi-Fi Protected Access(WPA/WPA2)
WPS (Wi-Fi Protected Setup)

Advanced Firewall Features
Network AddressTranslation (NAT)
Stateful PacketInspection (SPI)

Power
DC 12V/2A

Mobile Apps
SharePort Mobile
QRS Mobile
mydlink Lite

Advanced features
VPNpassthrough
Guest Zone Support
IPv6

Dimensions
Item: 4.37 x 3.66 x 5.71 inches
Box: 10.79 x 8.19 x 4.64

Package Contents
Wireless AC1000Dual Band Cloud Router(DIR-820L)
Ethernet Cable
Power Adapter
Quick Install Guide
g: 0 Posted By: DawgLb
Views: 93 Replies: 0 (Was $15.99) 4.3 out of 5 stars (895 customer reviews)

A lost world, man-eating tribesmen, lush and impenetrable jungles, stranded American fliers (one of thema dame with great gams, for heaven's sake), a startling rescue mission. . . . This is atrue story made in heaven for a writer as talented as Mitchell Zuckoff. Whewwhat an utterly compelling and deeplysatisfying read!" Simon Winchester, author ofAtlantic

Award-winning formerBoston Globereporter Mitchell Zuckoffunleashes the exhilarating, untold story of an extraordinary World War IIrescue mission, where a plane crash in the South Pacific plunged a trio of U.S.military personnel into a land that time forgot. Fans of Hampton SidesGhost Soldiers, Marcus LuttrellsLone Survivor, and David GrannsThe Lost City of Zwill be captivated by Zuckoffs masterfully recounted, all-true story of danger, daring, determination, and discovery in jungle-clad New Guinea during the final days of WWII.

http://www.amazon.com/Lost-Shangri-La-Survival-Adventure-Incredi...
Books Deals

Amazon Coupons
g: 0 Posted By: gireeshb
Views: 0 Replies: 0 Frys has the Acer ES1-511-COM4 laptop for $178 (tax extra) after instore promo code 8599627. This deal is in-store only. This is a VERY basic laptop and reports out there regarding memory upgrades are not stellar. However, at $178 it might fit someone's budget for a ....guess what?... VERY basic laptop.
Link

Previous thread on FW:
Previous thread link
List of Data Breaches
Added on : Saturday October 11th 2014 07:00:10 AM
g: 1 Posted By: bargainr
Views: 75 Replies: 1 Chase JP Morgan Data Breach
Announced: Octo 2014
Customers Affected: 76 million + 7 million businesses
https://www.chase.com/services/customer-notice-faq

Dairy Queen
Announced: Oct 9, 2014
Dates Affected: Unknown
Customers Affected: Unknown
http://www.dq.com/us-en/datasecurityincident/affected-stores/?lo...

Home Dept Data Breach
Announced: Sept 8, 2014
Dates Affected: April 2014 to September 2014
Customers Affected: Unknown
https://corporate.homedepot.com/mediacenter/pages/statement1.asp...

Jewel Osco Data Breach
incl. Alberstons, ACM Markets, Shaw's, Star Markets
Announced: Aug 14 2014
Dates Affected: Jun 2014 to Jul 2014
Customers Affected: Unknown
http://www.jewelosco.com/2014/08/ab-acquisition-llc-confirms-inc...

Jimmy John's Data Breach
Announced: Sep 24, 2014
Dates Affected: Jun 2014 to Sep 2014
Customers Affected: Unknown
https://www.jimmyjohns.com/datasecurityincident/

K Mart Data Breach
Announced: Oct 10, 2014
http://www.kmart.com/en_us/dap/statement1010140.html?adcell=hpne...

Neiman Marcus Data Breach
Announced: June 15, 2014
Dates Affected: July 16 and October 30, 2013 (may be as early as March)
http://www.neimanmarcus.com/NM/Security-Info/cat49570732/c.cat

PF Changs Data Breach
Announced: Aug 4, 2014
http://www.pfchangs.com/security/

Target Data Breach
Announced: Dec 2013
https://corporate.target.com/about/shopping-experience/payment-c...

Viator Data Breach
Announced: Sep 19, 2014
Dates Affected: Unknown
Customers: 1.4million
http://www.viator.com/about/media-center/press-releases/pr33251

NOTES
I have seen people repeatedly suggest this be a sticky or summarized. So starting this master list of retail or banking data breaches. Not exhaustive, I just did the ones I know. If someone wants to take over and make it a sticky I think that's a good idea.

There's actually a *currently* 180+ page report that you can download here(PDF) that lists them all across EVERY category. It's sad that there's so many.
Discussion Deals
g: 0 Posted By: remick
Views: 153 Replies: 0 http://www.amazon.com/gp/product/B00CXDZRKK

4.6 out of 5 stars (16 customer reviews)

What Promises Can You Believe?
In The Promises of God, Dr. R. C. Sproul shows how Godthe one true Promise Keeperalways keeps His promises. Drawing from his expansive theological background, Dr. Sproul addresses questions such as these:
How do we know that God will fulfill His promises to us?
What can we learn about Gods faithfulness as we wait for His promises to be fulfilled?
What was the agreement God the Father had with Jesus before the beginning of the world?
What does Gods covenant with Adam mean for us today?
What common covenant do atheists and other non-Christians participate in with God?
What does Gods covenant have to do with His forgiveness of our sins today?
Why did Jesus have to die to complete Gods covenant with us?

Gods promises throughout history are the foundation for your relationship with Him. Here you will see how and why He keeps His promises to you, from now through eternity.



The Precipice: When Everything We Know Ends
http://www.amazon.com/gp/product/B00JCHQSBW/
4.7 out of 5 stars (29 customer reviews)

Scan the headlines of any news outlet and it doesnt take long to realize the world as we know it is teetering on the edge of extinction. What will it look like if it falls? This book is divided into three short stories designed to give you a glimpse into the possible outcomes if humanity falls over the cliff. Each story paints a vivid picture of an out-of-control oppressive government scrambling to maintain order. These end times futuristic scenarios may seem absurd until they are compared with modern events that clearly show the world is closer to the precipice than we care to admit.
Each story is followed by a series of Discussion Questions that will challenge readers to ponder what they would do in similar situations of religious persecution. These questions should help readers identify where they stand in Christ, help them determine how much faith they place in modern comforts, and then encourage them to have a healthy fear of an expanding government coupled with a reverent fear of God. The Precipice could easily be used as a Bible Study in a small group setting.
There is much debate regarding the mix of politics and religion. Despite whether you believe they are intrinsically entwined or as unalterably distinct as oil and water, this book is for you. Liberty can only be maintained by an educated people willing to face the tough realities currently before us. This book will equip Christians to be Apologetic in an unapologetic way.



On Which Side of the Road Do the Flowers Grow?
http://www.amazon.com/gp/product/B009F15U3C
4.5 out of 5 stars (217 customer reviews)

Synopsis: During his years pastoring an inner-city church, Wendell Mettey discovered that God uses even the most blemished vessels to bring beauty into the world. In On Which Side of the Road Do the Flowers Grow?, Pastor Mettey shares the humorous and touching stories of his diverse congregation ordinary people whose lives were infused with an awareness of God's real and abundant grace.
On Which Side of the Road Do the Flowers Grow? is an excellent text for use in a small group or study class. The story-chapters provide a comprehensive, close-ended format for each session. Study guides are available to be used in conjunction with the book.


Raising Kids with Character That Lasts
http://www.amazon.com/gp/product/B004EPYQ1G

Poise your children for a life of success
Strong character that stands the test of time and circumstances does not develop automatically in children. It happens each day, a little bit at a time. Raising Kids with Character That Lasts shows you how to set and achieve the goals necessary for developing eight essential character traits in your children:

integrity
faith
a teachable spirit
a servant's heart
self-discipline
joy
compassion
courage



Straight Talk to Christian Singles: Moving from "Hi, how are you?" to "Yes, I do"
http://www.amazon.com/gp/product/B00MYS1DZ2
5.0 out of 5 stars (6 customer reviews)

If youre like many singles in the church today, youve probably followed the advice of spiritual leaders, dating gurus, or friends. Youve read the standard dating books, listened to the relationship talks, and attended the Christian meet-up events. Yet, perhaps youre still longing for God, an angel, or just someone whos been there before you, to cut through the cultural dating propaganda and give you straight answers to your tough questions. The author and his fun, insightful contributors will do just that. Join these wise Christian leaders and relationship veterans on their inspiring journey through Straight Talk to Christian Singles.
In this book, youll

Receive biblical understandings that will help you find and catch a keeper.
Learn to overcome the obstacles and invisible forces hindering your relational life.
Find some missing keys for Gods relational blessings for you.
Receive insights that put you inside the minds of members of the opposite sex.
Discover mindsets that inspire confidence and help you attract great relationships.
Receive a relational map to guide you through the dating maze to kingdom marriage.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (147 customer reviews)

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



Get Off Your Knees And Do Something: 17 Things To Do After You Pray
http://www.amazon.com/gp/product/B008F15KI8
4.6 out of 5 stars (62 customer reviews)

You want to be a prayer warrior. You want get results. But something isn't working. Even though you've prayed scripture and chosen your words wisely, you still aren't getting results. The words you speak are vitally important. But so is the action that you take afterwards.
We all know, "Faith without works is dead," but we too often forget that activating our faith requires a bit of action on our part. We have to do something.And its important that we do the right things.Quick and easy read. Inspiring pages of inspirational quotes, christian humor, and true personal testimonies. Learn from biblical examples how to pray and declare what God says and then get up and take action. Learn to replace your negative self-talk with positive Faith talk. Declare favor over your life and then get up and take hold of it! This book can be used as a daily devotional. It will help you focus your faith and take action to get results and change your life.
Books Deals

Amazon Coupons
KeyBank $200 for Checking Account - Between 9/29/14 and 12/5/14
Added on : Wednesday October 08th 2014 06:00:13 AM
g: 0 Posted By: iago
Views: 35 Replies: 0 LINK

Open a qualifying KeyBank checking account1 online or in branch and enter offer code ONFT0914 by 12/5/2014 and make at least $1,000 in cumulative direct deposits within 60 days after account opening.

...Can getting $200 really be hassle free? Pretty much. Between 9/29/14 and 12/5/14, you must open a KeyBank Hassle-Free Account or another qualifying KeyBank checking account and make at least $1,000 in cumulative direct deposits within 60 days after account opening. In addition to the KeyBank Hassle-Free Account all other personal checking accounts except the Student Checking Account qualify for this offer. Normal account service charges apply to these other checking accounts. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited into your account within 90 days of meeting requirements. Offer is not available to individuals who have had a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply.2 You must be enrolled in Online Banking and have downloaded the Key Mobile App. Mobile Deposits may only be made using KeyBank's native mobile application, available for iPhone, iPad, and iPod Touch, AndroidTM and Amazon Kindle mobile devices. There is a fee for this service. iPhone, iPad, and iPod, Touch are registered trademarks of Apple Inc. All rights reserved. AndroidTM is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Amazon, Kindle, and Fire are trademarks of Amazon.com, Inc. or its affiliates.MasterCard is a registered trademark of MasterCard International Incorporated.
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g: 0 Posted By: mortgageornot
Views: 112 Replies: 2 Sorry if this has been covered before, I did a quick search, but if so please just link to relevant post.

I'm trying to rent out a condo in a major city. A group of young twenty-somethings are interested, 2 girls and a guy. I collected a $40 application fee from each and used Rentprep.com to screen them. They all have limited rental and credit history...the guy has lived at home his whole life. One of the girls is currently living with her sister for free.

Anyway, they all passed Rentprep's background screening (whatever that includes), but one of the girls didn't meet the minimum credit requirement (I left Rentprep's default of 3 stars, 600-860 FICO, 1 bankruptcy, 0 judgements).
This same girl entered the company she worked for and supervisor on her application, but didn't include her income, occupation, or employer's phone number or the number of her previous landlord (granted she only lived there 4 months)

So anyway, since she didn't meet my minimum tenant screening requirements I cannot extend the 3 of them an offer to rent.

Couple questions:
1) Do I send a rejection notice to just the 1 girl, or to all 3? (I already have an Adverse Action letter drafted with "Incomplete Information" and "Poor and/or absent credit history" checked with address and phone info to the credit reporting company (Rentprep, which is Fidelis Screening Solutions)
2) Is it ok to provide each of them a copy of their own background and credit screenings?
Question Deals
Sallie Mae Card free FICO error. Cause for concern?
Added on : Monday October 06th 2014 09:00:18 AM
g: 0 Posted By: tommames
Views: 0 Replies: 0 I recently checked my FICO score from my Sallie Mae account and was shocked to see that it was < 700 and reporting the reasons as "Serious Delinquency" and "Time since delinquency is too recent or unknown." From the history there, I noted that last month my FICO was > 800. No other data points as the SM card was recently acquired.I pulled my TU credit report and could find no evidence of any reported delinquency. I also did not find any evidence of a hard pull from Common Bond as has been reported in another thread here.

Should I write this off as probably a temporary glitch and wait to see if it shakes itself out by next month or do I need to take further action? I did firstcall TU and the agent there gave me a non-working number to contact about my score, but after pulling my credit report I didn't call TU back as I figured they probably can't help me anyway if I didn't see evidence of the problems noted onmy Sallie Mae Card account. So far, it has presented no issues with any of my accounts, and I have no plans to apply for any loans or new cards.
Personal Finance Deals
Consumer Reports online - 1yr/$15 2yr/25 - thru Amazon Local
Added on : Sunday October 05th 2014 05:00:09 AM
g: 0 Posted By: dafish
Views: 127 Replies: 0 The Deal

Amazn Local Chicago - works for all areas.

No credit card required to redeem voucher; subscriptions will not be renewed automatically
Limit 1 voucher per purchaser; additional 3 vouchers may be sent as gifts
Limit 1 voucher per redemption at ConsumerReports.org
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Not valid for current online members or renewal memberships
Available for use immediately after purchase
PROMOTIONAL VALUE EXPIRES 90 DAYS FROM THE PURCHASE DATE
PAID VALUE EXPIRES 5 YEARS FROM THE PURCHASE DATE EXCEPT IN THE FOLLOWING STATES, THE PAID VALUE NEVER EXPIRES: CA, CT, FL, ME, MA, MN, MT, NH, ND, NJ, OR, RI, WA

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Amazon Coupons
g: 0 Posted By: mickygivesme
Views: 42 Replies: 0 I had this on the wrong forum. Here it is again:
Free Kindle eBook Thriller: Linky
Looks good, decent reviews, can't beat free:
A sadistic predator has just arrived in San Francisco and begins his bloody rampage on an unsuspecting public.

Craving notoriety, the killer starts sending pictures with cryptic messages to a local television reporter. Seizing the opportunity to make headlines, Nicole Campbell arrogantly accepts the messages and uses them in her news reports. The publicity the stories generate shoot her right into the spotlight but now her source is getting a little too close With each new murder, the killer-emboldened by the reporter's stories about his savagery-keeps getting more and more gruesome.

Heading the case is SFPD veteran Lieutenant William Culp and his partner, Inspector Ricardo Diaz, but the killer seems to be one step ahead of them every time. As he ups the ante on his brutal slayings, taunting police and the reporter, the F.B.I. joins in on the manhunt. A irritated Lt. Culp is forced to put his ego aside and work together with the Feds in order to try and put a stop to the bloody carnage but the killer has a personal agenda and hes not about to let ANYBODY get in his way.

Not since the Zodiac Killer has a madman kept the "City by The Bay on edge.


Totally Free Deals
Free Kindle eBook Thriller list price. $9.99 Good reviews
Added on : Sunday October 05th 2014 03:00:03 AM
g: 1 Posted By: mickygivesme
Views: 209 Replies: 0 Found this free Kindle eBook Thriller today: Linky
Looks good, decent reviews, can't beat free:
A sadistic predator has just arrived in San Francisco and begins his bloody rampage on an unsuspecting public.

Craving notoriety, the killer starts sending pictures with cryptic messages to a local television reporter. Seizing the opportunity to make headlines, Nicole Campbell arrogantly accepts the messages and uses them in her news reports. The publicity the stories generate shoot her right into the spotlight but now her source is getting a little too close With each new murder, the killer-emboldened by the reporter's stories about his savagery-keeps getting more and more gruesome.

Heading the case is SFPD veteran Lieutenant William Culp and his partner, Inspector Ricardo Diaz, but the killer seems to be one step ahead of them every time. As he ups the ante on his brutal slayings, taunting police and the reporter, the F.B.I. joins in on the manhunt. A irritated Lt. Culp is forced to put his ego aside and work together with the Feds in order to try and put a stop to the bloody carnage but the killer has a personal agenda and hes not about to let ANYBODY get in his way.

Not since the Zodiac Killer has a madman kept the "City by The Bay on edge.
Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Compatible with Apple iPad 2 and iPad 3rd generation
Turns your device into a complete point of sale, allowing you to accept payments, manage items, view sales reports and more to meet your business needs.
Integrated card reader
Accepts credit card payments and keeps credit card information secure. Charges 2.75% per swipe from Visa, Mastercard, American Express and Discover credit cards. Square Reader (included) enables on-the-go payments.
Fast deposits
Funds from swiped credit card payments are deposited directly into your connected bank account within 1 to 2 business days.
Swivel-for-signature design
Lets you easily rotate the stand toward the customer, so he or she can sign for purchases on the screen of your iPad.
3-port USB hub
Allows you to connect hardware accessories, such as a receipt printer, cash drawer and bar-code scanner, for simple connectivity options.
Smart business tools
Include real-time sales data, best-selling item summaries and custom reports, which provide helpful information for running your business effectively. Square Register app (download required) enhances use of your device.
Included security kit
Secures the stand to a counter and keeps your iPad locked to the stand for peace of mind.
Runs off of your device's battery for approximately 8 hours
For extended operation. The 6' power cord offers additional powering options.

www.bestbuy.com/site/square-stand-for-apple-ipad-2-and-ipad-3rd-...
Cell Phones Deals

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Buying a house with cash - IRS reporting question.
Added on : Saturday October 04th 2014 06:00:07 PM
g: 0 Posted By: fatwalletranger57
Views: 82 Replies: 0 My family is in the market to shop for real estate property, and we are looking to purchase with cash. We are looking at houses around 250k ~ 350k USD.

As new immigrants, we have about 100k USD savings (We are currently permanent resident. These savings are still in our foreign bank account) when we come to the state. And we have agreement with our relatives (non-US nationals) that they will loan us money interest free for the purchase.

I know that receiving gift in excess of certain amount of money has to be reported to IRS (Form 3520), what about loans from foreign person? What are the potential problems we may run into with IRS on purchases real estate properties with cash?

Personal Finance Deals
CommonBond Inquiry
Added on : Saturday October 04th 2014 06:00:08 AM
g: 0 Posted By: VerbalK
Views: 30 Replies: 0 Just noticed I had an inquiry added to my TU report (haven't checked the others) from CommonBond, which appears to be a student loan website. Anyone else get one of these?
Unauthorized hard credit inquiry - what should I do?
Added on : Saturday October 04th 2014 06:00:08 AM
g: 0 Posted By: s2ogal
Views: 45 Replies: 0 On my capital one credit card I get automatic alerts when there is a pull on my credit report.

I just received an alert of a hard credit pull from this companyhttps://commonbond.co/ which appears to be a student loan company.

I have three credit cards. No mortgage ever, no car loans ever, and paid off my student debt about two years ago. I have not applied for a loan in years.

I went through the form on the companies site and in order to apply for a loan someone would need my address, date of birth, and social. I have no idea how this information could have gotten out.

I tried calling the company but they are closed till Monday.

My questions are:

1. Is this almost 100% identity theft? Anything else it could be?

2. What should I do now?

Very troubled about this. Happy for any advice. Thanks,
Marriott to stop jamming personal hotspot data acess
Added on : Saturday October 04th 2014 02:00:05 AM
g: 0 Posted By: DeGlass
Views: 4 Replies: 0 If I'm reading it correctly, we should have unfettered access to our peronsal data plans while staying, or even just attending events, at any Marriott in the US.

http://transition.fcc.gov/Daily_Releases/Daily_Business/2014/db1...

The complainant alleged that the Gaylord Opryland had
used wireless technology to prevent him from using his Wi-Fi mobile hotspot in the hotels conference
center.
...
Specifically, such employees had used this capability to prevent users from connecting to the
Internet via their own personal Wi-Fi networks when these users did not pose a threat to the security of the
Gaylord Opryland network or its guests.
...
Within thirty (30) calendar days after the Effective Date, Marriott
shall establish Operating Procedures designed to ensure that Covered Personnel do not engage in
activities described above in paragraph 6 in violation of the Communications Act, including Section 333,
or the Commissions Rules
...
At the same time that it files each Compliance Report, Marriott
shall identify whether in the preceding three months Marriott has used the containment capability or any
similar functionality or technology described in paragraph 5 above, at any U.S. property Marriott
manages
...
The Termination Date shall be three years after the Effective Date of
this Consent Decree.
Discussion Deals
Diminished Value after accident
Added on : Friday October 03rd 2014 07:00:08 AM
g: 0 Posted By: releasefoobar
Views: 104 Replies: 0 Sorry for starting yet another diminished value thread but i want to clarify my understanding. I'm pretty sure its not worth the time/money to pursue diminished value in my case but i want to make sure.
State: Maryland
Car: 2005 VW Jetta TDI valued at 9k
I was parked on the street in my neighborhood by my house (residential neighborhood in a city). A tractor trailer came through the neighborhood trying to turn around, got stuck, and side swiped my car. Trucks are forbidden in the neighborhood.
Police were called, they refused to do a report because there was no bodily injury and did not issue the truck driver a citation for being where he shouldn't have been
We got all of his information for the truck and trailer plus his license
We spent several weeks calling to try to file a claim but the truck and trailer had different insurances, and were both rented by different companies and then rented again by a third company, the end result was no one would take our claim and pointed to another company to call. After a month of trying, I called my insurance company, explained the issue, and they suggested that at this point i should file with them (my own insurance), get the car fixed, and they will pursue the driver for the damage.
Fast forward a few months. My car is fixed and the bill was 3k.
My understanding is that if i want to pursue diminished value i would have to sue the truck driver directly instead of requesting it from my insurance company or whatever company ultimately ends up paying the claim? It is also my understanding that the car is too old to bother with diminished value?
Discussion Deals
Secret recordings from Inside the Fed - How will it affect the future?
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: faloun
Views: 27 Replies: 0 I was really surprised there wasn't already a thread on this. A former Fed examiner, hired in after the 2008 financial crisis, becomes so dismayed by what she sees that she begins secretly recording conversations and meetings at the Fed. The article and/or radio show raise very serious concerns about the Fed's ability to regulate banks, showing instead a culture that's overly cautious and defers judgement to the banks they are supposed to regulate. It shows a culture rife with regulatory capture that puts so much emphasis on consensus building that findings are consistently watered down. In the words of one examiner, the Fed is"this giant Titanic, slow to move." It also references the Beim Report, an extraordinarily candid report about the inner workings of the Fed following the 2008 crisis, which was never intended to be viewed by the public and got surprisingly little coverage when it was leaked.

My question to you, fellow FWF's, is what do you think this means for the future of the Federal Reserve, and the financial industry as a whole?

Article on Propublica:
http://www.propublica.org/article/carmen-segarras-secret-recordings-from-inside-new-york-fed

NPR Story:
http://www.thisamericanlife.org/radio-archives/episode/536/the-secret-recordings-of-carmen-segarra

Beim Report:
http://www.propublica.org/documents/item/1303305-2009-08-18-frbn...
Discussion Deals
D-Link Xtreme N Gigabit Router (DIR-655) - $17.99 w/ FS at Rakuten
Added on : Tuesday September 30th 2014 12:00:02 PM
g: 1 Posted By: jskins
Views: 97 Replies: 0 D-Link Xtreme N Gigabit Router (DIR-655) - $17.99using coupon code 5189411 with free shipping at Rakuten. 4.5/5 stars based on 97 customer reviews.

IEEE 802.11n
6x Farther Range
802.11g
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3 External Intenna
SharePort Technology
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The next lowest price for this router from a rated merchant on Google Shopping is $59.99.
SuperValu Reports Second Hacking Incident ... next ...
Added on : Tuesday September 30th 2014 10:00:18 AM
g: 0 Posted By: imanemokid
Views: 99 Replies: 0 SuperValu Reports Second Hacking Incident

August Data Breach Affects Certain Albertsons, Acme, Jewel-Osco and Shaw's Stores

Customer service: (877) 932-7948

HERE star tribuneor HERE cnn

Updated Sept. 29, 2014 8:37 p.m. ET

Supervalu Inc. said Monday it discovered a second data breach into its customer payment system, just weeks after catching one that hit its grocery stores earlier in the summer.

The supermarket operator, which provides technology services to thousands of grocery stores such as Cub Foods and Jewel-Osco, said it found malicious software on some of its check-out systems attempting to capture customer data from customers' credit card or...

The breach could affect Albertsons stores in California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington and Wyoming; Acme Markets stores in Delaware, Maryland, New Jersey and Pennsylvania; Jewel-Osco stores in Illinois, Indiana and Iowa; and Shaw's and Star Markets stores in Maine, Massachusetts, New Hampshire, Rhode Island and Vermont. The Boise, Idaho-based company has a total of 1,081 stores.
Discussion Deals
what banks do not use chexsystem or equivalent?
Added on : Sunday September 28th 2014 01:00:07 PM
g: 0 Posted By: scottvm
Views: 57 Replies: 3 I have heard that some banks do not run chexsystem reports prior to opening accounts. Also, someone said that branches in inner cities are more lenient.
Can we start a list of banks that do not check chexsystem or equivalent databases?
Question Deals
Oh no, another credit report question...
Added on : Saturday September 27th 2014 05:00:08 PM
g: 0 Posted By: pandarn
Views: 96 Replies: 1 Please direct me if there is another thread about this!

In 2012 I had a short sale on a home. I negotiated with the bank and am currently paying back a loan for a portion of the deficiency balance. The original amount of the new loan was $5XXX. I have made all payments on this new loan on time, and all payments have been for more than the required payment amount as I would like to get this paid off.

I had been monitoring my credit reports, no problems were noted with accounts from the bank involved, until I pulled all three credit reports a few days ago. They have now reported on Equifax that I have a foreclosure (I realize a short sale affects credit scores almost the same, but this is incorrect). Also, they are reporting an outstanding balance/past due balance of $4000, which actually is the amount charged off. The new loan, for the deficiency balance, is being reported as a charged off account, with the entire remaining balance showing as past due.

I have disputed these items with Equifax. Opinions wanted on whether the accounts are actually reported the proper way and I am just in a sad state of denial about it, or if they are incorrect as I believe, or maybe a mix of correct and incorrect.
Question Deals
Investment Property - foreclosed home - need advice with home insurance
Added on : Saturday September 27th 2014 10:00:08 AM
g: 0 Posted By: magicking
Views: 43 Replies: 2 Hello FW,

I'm planning on purchasing an investment property - a foreclosed home (bank owned). It needs around 10k worth of work - so that it can be live-able. I'm closing in couple of weeks. Then going to start the renovation process.

My real estate agent says buy the house, then fix it and then get the home owners insurance. Is this a normal procedure for foreclosed home that needs to fixed?

I contacted an insurance agent and they gave me a quote and want my inspection report to review and actually proceed further.

i need your expert advice on how to proceed should I show provide my inspection report and get insurance at the time of closing or should I get insurance after fixing the property.

thanks in advance for your response.


Insurance Deals
BofA sells old debt-they show it+ new collection co, too?
Added on : Saturday September 27th 2014 09:00:13 AM
g: 0 Posted By: duna
Views: 61 Replies: 1 Is it legal that BofA shows on credit report an old credit card debt that they sold to collection agency. Now the same debt shows up as two separate items? Should only the current owner of the debt show it only once?
Question Deals
School Charging $$$$$ if a teacher leaves. Legal?
Added on : Saturday September 27th 2014 12:00:05 AM
g: 2 Posted By: biggsben
Views: 4230 Replies: 80 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


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

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

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

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

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

EDIT: I edited the amount of money in title so that it would not be as identifiable.
Personal Finance Deals
Car "dinged" by rocks from a dump truck on highway
Added on : Friday September 26th 2014 08:00:18 AM
g: 0 Posted By: raringvt
Views: 85 Replies: 5 On my way back from lunch, I found myself behind a dump truck on the highway--as the title says, my car got dinged when the truck changed lanes & "rained" little dime sized rocks down onto the road, which bounced and hit my car. I got the license plate #, the company name from the side of the truck & tried to signal to the driver to pull over, but to no avail. I got off at my exit & assessed the damage.There are probably 5-6 small nicks in the paint on the hood & front part of the roof that I am certain are from this incident (I'm pretty anal about my car--so I would notice). Ireported the incident to the state police (VA) and they told me to contact my insurance company (State Farm)to file a claim. They provided me an 'incident number.'

I'm not sure how to proceed--I don't really want to file a claim through my insurer because the damage is somewhat minor and the costs of repair probably do not outweigh the potential for premium hikes and if my deductible were not recovered from the hauling company, it would all be out of pocket. I also have a pending homeownders claim for more serious water damage that is not yet resolved...so it would just feel weird to file another claim of any type. Would my best course of action be to contact the hauling company directly and see if they are willing to pay for the damages or file through their insurance? I'm sure they get crap like this all the time, and my guess would be they'll tell me to pound sand. I'm just pissed because of the (somewhat) diminished value of my vehicle due to their negligence in not securing their load properly.

Any advice is much appreciated.
Personal Finance Deals
g: 1 Posted By: ctgolfer
Views: 101 Replies: 0 use promo code: 4DAF4FB

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


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

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

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

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

P.S. no pics, can't have them floating around and make this identifiable.
Bank of America - Check your Credit Card, it might be 'closed' for safety
Added on : Wednesday September 24th 2014 07:00:09 PM
g: 1 Posted By: forbin4040
Views: 108 Replies: 2 I got a bit of a rude awakening as I logged into my BofA credit card account and POOF, it's not on the list of accounts.
So I called the number and the computer told me my card is Closed.

Freaking out, (And considering I used that same card about 3 hours ago), I asked for a Live Operator.

I found out that BofA has detected some kind of fraud on my card (Duh, with all the data breaches I'm not surprised) and they 'closed' my account and removed it off my online reports. And is mailing me a new one (Without ANY NOTIFICATION BTW)

Turns out BofA 'shuts off' online access to a card when they are in the transition between an old number and a new one. Honestly that's pretty dumb in my book. But if you have used their cards, their website looks like it was written in 1997. (Balances are wrong, payments are hard to track, etc)

Well at least NOW I know I'm getting a new card in the mail and I can see my online transactions again in a couple of days.

So check your account and if your card is missing, call them and get assurance that you are getting a new card in the mail.
Discussion Deals
16 oz SPF 45 Sunscreen Lotion for $5 Walmart store pick-up
Added on : Wednesday September 24th 2014 06:00:02 PM
g: 0 Posted By: giantsfan2
Views: 121 Replies: 0 The NO-AD brand is available for store pick-up at WalMart:

http://www.walmart.com/ip/NO-AD-SPF-45-Sunscreen-Lotion-16-fl-oz...

You can also ship for free to a FedEx Office location or ship free to home if you have $50 in your order. This price has been available for a while so it's unknown when it will expire. Nonetheless, since this is a 40% or so discount from other cheap sunscreen lotions, I figured it deserved mention here. Consumer Reports rates NO AD brand well.
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Walmart Coupons
dad lost social security card - credit report freeze?
Added on : Wednesday September 24th 2014 05:00:08 PM
g: 0 Posted By: bxd20
Views: 75 Replies: 1 My dad lost his wallet while shopping and it had his SS card. YES I KNOW - never ever carry your social security card. I thought he had removed it a long time ago. Had his medicare card in there too with SSN.

I've cancelled his existing CCs.

Should I contact the 3 major credit reporting agencies and place a freeze? I read some old FW threads about losing your SS card and it didn't seem to be a common suggestion.

Thank you.
Question Deals
g: 0 Posted By: remick
Views: 75 Replies: 0 https://itunes.apple.com/us/app/id434139679?

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Another Data Breach report - Jimmy John confirmed
Added on : Wednesday September 24th 2014 10:00:19 AM
g: 0 Posted By: Paks12
Views: 4 Replies: 0 Another data breach report. This time it's Jimmy John stores -http://www.chicagotribune.com/business/breaking/chi-jimmy-johns-...
Discussion Deals
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B00KAGGTY0

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Home Closing Problem - Seller breaches contract?
Added on : Tuesday September 23rd 2014 11:00:10 AM
g: 0 Posted By: Luser
Views: 194 Replies: 3 Hi FWF,

You guys have give good advise in the past and I wanted to know what your opinions are.

I am pursuing in purchasing a 2 family house in New York. It has a clean title. My attorney is not offering advise at this point except to wait for the seller attorney's response. The contract of sale required the seller to do extermination of termites with 1 year warranty. Also deliver a "broom sweep and clean"apartment before or on the closing date. This is fairly common I believe. I ask the seller attorney to produce the extermination report many time, but his reply was it will be provide at closing. 30 mins before closing I find out extermination was never taken care of. I backed out of the closing.

Long story short: The seller decided not to do either requirements on the contract, because I believe he can think he could have sold the house for much more.

Other terms in the contract is the seller may live in the resident for up to 3 months after the closing. I have 10K escrow if the don't move out or damages. I am willing to buy, but I have to pay for gas and electric for the next 3 month while seller lives there.

What are my options while my deposit is being held? My lender is in limbo and waiting for an answer. Should I tell my lender that I don't want to borrow from them anymore until the seller makes a decision?

What should I do to minimize cost? Already spend about $2000 for appraisal, inspection and etc...



Question Deals
Concrete contractor not responding after taking advance for driveway work
Added on : Tuesday September 23rd 2014 10:00:18 AM
g: 0 Posted By: mrmonty
Views: 130 Replies: 4 I would like to seek your wisdom for a situation I am in. I received several bids for driveway replacement at my home in Denver, mostly from Craigslist. I selected this contractor to work on my driveway and he needed 1/3rd of the bid amount ($1000) to secure the roll-off truck for stripping the old driveway. I gave him a check yesterday, as he declined credit card, but I wrote 'Driveway repair advance' in the check's memo (made to the contractor not his company, curse me!!). He was supposed to start stripping the driveway yesterday, but no signs of him yet (2pm MT). He won't respond to calls or texts. He cashed the check yesterday within an hour of getting it. The bank can't stop the payment now.Should I be worried or give him some time?I have his name and phone no. for police report (if it comes to that). Please advise.
Discussion Deals
Getting a TransUnion Credit Report after auto loan denial
Added on : Monday September 22nd 2014 04:00:11 AM
g: 0 Posted By: Savyasachi
Views: 32 Replies: 0 Hello folks,

First time new auto shopper, applied for an auto loan with Chase and they denied it (in spite of pretty good credit score). They sent a letter stating I can get a free credit report from Transunion. I tried getting it online and their screwed up website could not verify my identity (this REALLY surprises me). This has happened in the past too, when I tried to get free annual credit report. Since then, I ALWAYS send a mail to get one.

I called the number provided by Chase on the letter and got a report request rolling. During this phone call, it didn't check the eligibility for a credit report, so I am not too sure if it calculated it as a free annual credit report or as a consequence of auto loan denial. (I get my annual credit reports from all agencies, with a margin of 4 months.) FWIW, I signed up on their website, as it was mandatory to proceed to get the free report, as a result of auto loan denial (I had to enter how I qualify for it).

My questions are
- How do I figure out what TransUnion calculated it as, a free annual credit report or a credit report as a result of auto loan denial?
- I made an account on their website. A quick look, I didn't find any way to delete it. I was pretty much sure while signing up that this is a one way road, still any idea if I can delete the account?

Thanks in advance.
Personal Finance Deals
Viator Credit Card Data Breach
Added on : Friday September 19th 2014 06:00:17 AM
g: 0 Posted By: burgerwars
Views: 94 Replies: 0 Viator is a website where you can book vacation tours.

September 19, 2014Dear Viator Customer

We want to make you aware that Viator has experienced a data compromise that could potentially affect payment card data used to make bookings through Viator's websites and mobile offerings. If you have created a Viator account, this compromise may also affect your email address, password and Viator "nickname." We deeply regret any inconvenience this may cause. The protection of our customers' personal information is of paramount concern. We are dedicating all the resources necessary to investigate and resolve this incident.

We have alerted the credit card companies and law enforcement, in addition to taking appropriate steps to secure our systems. We are writing to make you aware of the occurrence so that you can also monitor your accounts as a prudent measure, and take any other precautions you believe may be appropriate. We are offering our customers in the U.S. free identity protection services, including credit monitoring.

Meanwhile, we are continuously working to strengthen our security measures to help minimize the potential for incidents of this nature in the future. While our investigation is ongoing, here is some important information to be aware of.

What Happened:
On September 2, we were informed by our credit card service provider that unauthorized charges had been made on a number of our customers' credit cards. We have hired forensic experts, notified law enforcement and we have been working diligently and comprehensively to investigate the incident, identify how our systems may have been impacted, and secure our systems. Although our investigation is continuing, we currently believe that some forms of your data may be affected by the compromise. This information includes encrypted credit or debit card number, along with card expiration date, name, billing address, email address and, if you have created a Viator account, the associated email address, encrypted password and Viator "nickname." At this time, we have no reason to believe that the three or four digit value printed at the back or front of your card was compromised. Additionally, debit PIN numbers are not collected by Viator and could therefore not be compromised.

Steps You Can Take To Further Reduce Your Risk of Identity Theft/Fraud:
We recommend that all affected customers monitor their card activity and report any fraudulent charges to their credit card company. It is always a good practice to review your credit and debit card account statements regularly for suspicious activity. If you notice suspicious activity involving your account, please report it immediately to the appropriate financial institution or credit card company. You will not be responsible for fraudulent charges to your account if you report them in a timely manner.

To assist our customers in the U.S., we are offering free identity protection services, including credit monitoring. More information on that offer is below.

Additionally, we encourage you to reset your Viator password the next time you sign in to your Viator account, and change it on any other sites where you used the same password.

To change passwords on the Viator site, click on the "Change Password" on the "My Profile" tab, once signed in. Here are some tips to help you create a strong password: (1) make sure your password is at least six characters in length; (2) combine numbers and letters and dont include commonly used words; (3) include punctuation marks; and (4) mix capital and lowercase letters. It is also advisable to use a different password on different sites.

If you have questions related to this situation, you can contact us anytime through our dedicated toll-free information helpline at 888-680-0710 or at 702-939-9819. 1

Responding properly to this incident is our top priority, and we are committed to taking all appropriate steps to safeguard your personal information. For over 10 years, Viator's mission has been dedicated to offering travelers the best tours and activities worldwide, and to delivering a superior experience in all our customer interactions. That mission continues. We deeply regret any inconvenience or concern this may cause you and we thank you for your patience as we continue our investigation. We are focused on doing everything possible to maintain your trust so that we can continue to serve you in the future.

Sincerely,

Barrie Seidenberg
CEO, Viator creative_images_transparentspacer.gifcreative_images_transparentspacer.gifcreative_images_spacer.gifSteps You Can Take To Further Protect Your Information creative_images_transparentspacer.gifcreative_images_spacer.gifReview Your Account Statements
As a precautionary measure, we recommend that you review your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, or the Federal Trade Commission. In some states, you may also obtain a police report regarding this incident.

Free Credit Monitoring
To help protect your identity, we are offering a complimentary one-year membership of Experian's ProtectMyID Alert. This product helps detect possible misuse of your personal information and provides you with superior identity protection support focused on immediate identification and resolution of identity theft.

Activate ProtectMyID Now in Three Easy Steps
1. ENSURE That You Enroll By: December 31, 2014 (Your code will not work after this date.)
2. Visit the ProtectMyID Web Site to enroll: www.protectmyid.com/redeem
3. PROVIDE Your Activation Code:

If you have questions or need an alternative to enrolling online, please call 866-926-9801 and provide engagement #:

Additional details regarding your 12-month ProtectMyID Membership:

A credit card is not required for enrollment.

Once your ProtectMyID membership is activated, you will receive the following features:

Free copy of your Experian credit report
Surveillance Alerts for:
creative_images_spacer.gif o Daily Bureau Credit Monitoring: Alerts of key changes & suspicious activity found on your Experian, Equifax and TransUnion credit reports. creative_images_spacer.gif Identity Theft Resolution & ProtectMyID ExtendCARE: Toll-free access to US-based customer care and a dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish for seamless service. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies.
creative_images_spacer.gif o It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired. creative_images_spacer.gif
$1 Million Identity Theft Insurance2: Immediately covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Once your enrollment in ProtectMyID is complete, you should carefully review your credit report for inaccurate or suspicious items. If you have any questions about ProtectMyID, need help understanding something on your credit report or suspect that an item on your credit report may be fraudulent, please contact Experians customer care team at 866-926-9801.

Credit Report Monitoring
You may obtain a free copy of your credit report from each of the 3 major credit reporting agencies once every 12 months by visiting http://www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You can print a copy of the request form at
http://www.consumer....equest-form.pdf.
Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies shown below.
creative_images_spacer.gifEquifax
(800) 685-1111
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374
creative_images_spacer.gifcreative_images_spacer.gifExperian
(888) 397-3742
www.experian.com
535 Anton Blvd., Suite 100
Costa Mesa, CA 92626
creative_images_spacer.gifcreative_images_spacer.gifTransUnion
(800) 916-8800
www.transunion.com
P.O. Box 6790
Fullerton, CA 92834
creative_images_spacer.gif
Additional Free Resources on Identity Theft
You may wish to review the tips provided by the Federal Trade Commission on how to avoid identity theft. For more information, please visit http://www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). Maryland residents may also wish to review information provided by the Maryland Attorney General on how to avoid identity theft at http://www.oag.state.md.us/idtheft, or by sending an email to idtheft@oag.state.md.us, or calling 410-576-6491. North Carolina residents may wish to review information provided by the North Carolina Attorney General at http://www.ncdoj.gov, by calling 877-566-7226, or writing to 9001 Mail Service Center, Raleigh, North Carolina 27699.

Fraud Alert
You may consider placing a fraud alert on your credit report. This fraud alert statement informs creditors of possible fraudulent activity within your report and requests that the creditor contact you prior to establishing any accounts in your name. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. Additional information is available at http://www.annualcreditreport.com.

Security Freeze
In some U.S. states, you have the right to put a security freeze on your credit file. This will prevent new credit from being opened in your name without the use of a PIN number that is issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. Additionally, if you request a security freeze from a consumer reporting agency there may be a fee up to $10 to place, lift, or remove the security freeze; however, this fee may be less in certain states (in MA, up to $5). In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. You must separately place a security freeze on your credit file with each credit reporting agency.
Discussion Deals
Free Credit Report and Score by Credit Concierge
Added on : Wednesday September 17th 2014 10:00:03 AM
g: 0 Posted By: remick
Views: 179 Replies: 0 https://concierge.comparecards.com/
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g: 0 Posted By: Xenocrates
Views: 0 Replies: 0 ASUS RTN65U Dual-Band Wireless-N750 Gigabit Router w/2 USB 3.0 SharePort- $49.99 AC FS @ NeweggCoupon Code:EMCPAWD28
g: 0 Posted By: SegaRob
Views: 43 Replies: 0 Here is a list of NYS municipal bonds funds from BlackRock: http://www.blackrock.com/investing/products/product-list#categor...

They have similar funds for other states and national. The NY funds invest in bonds "exempt from federal income taxes (including the alternative minimum tax) and New York State and New York City personal income" which could be 40-50% for high-income earners. Currently, they are selling at 10% discount to net-asset value (NAV) which means you're paying 10% less than buying the bonds individually. I've looked into some of the underlying bonds and they seem to be trading at roughly 10% premium to par value so with the bond fund you're entering at roughly par value. The default rates are exceedingly low.

Over the last 10 years, when including dividends/distributions, these funds have performed similarly to S&P and Dow indexes: http://stockcharts.com/freecharts/perf.php?$INDU,SPY,MHN
The graph doesn't include taxes, so after taxes, the net gain is quite similar. At some points, the gains have far outpaced the stocks which might be in the cards for the near future if there's a correction in the stock market after the last few years of significant gains.

With the fed meeting tomorrow, I expect there might be a big spike up or down depending on the outcome. Despite the short-term volatility, I think long-term that the bonds will converge towards par-value and the fund will converge towards NAV which is essentially leads us to the same prices at present. Even without price/capital appreciation, the ~6% yield equivalent to 10% taxable yield is far better than any savings account at present or anytime in the near future. Depending on your thoughts about what the fed report might entail, you may prefer to invest now or after the meeting tomorrow when the dust settles.
Investing Deals
Alliant CU - $150 cash bonus for New Checking Account Holders
Added on : Tuesday September 16th 2014 06:00:14 AM
g: 0 Posted By: pbabb2
Views: 17 Replies: 0 $150 cash bonus for opening Alliant checking accountRecieved this via email yesterday. Seems like a fairly easy $150 (a few requirements outlined below) and I've had good experiences with Alliant in the past (have a credit card with them).

https://www.alliantcreditunion.com/OnlineBanking/Login.aspx?Retu... directs you to online login. must be an alliant member which is free)

Here's how to get $150...

1. September 2 to October 31, 2014 Open an Alliant Checking account AND
2. By November 14, 2014

Make at least one purchase with your Alliant Visa Debit Card
Make at least one payment using Alliant Bill Pay
Meet the two easy requirements of High Rate Checking:

o Opt out of paper statements AND
o Make at least one monthly electronic deposit (direct deposit, payroll deposit, ATM deposit, or transfer from another financial institution)

With Alliant checking, you can earn 7x the bank national average on your account,2,4 and you get access to 80,000 surcharge-free ATMs,5 online banking, mobile banking apps6 and a Visa Debit Card - all for free, with no monthly service fees on your account.

$150 bonus offer is available for new checking accountholders only, including Free Teen Checking.1,2 One $150 bonus per member.2

Offer ends October 31, 2014.

Use promo code CHEK002.

To apply online, you must first log in to Alliant Online Banking. Then select "Open an account" on the right menu and follow prompts. For personal assistance call 800-328-1935 or visit an Alliant Branch.

FINE PRINT:
1 To qualify to receive the $150 bonus deposit, member must open an Alliant checking account between September 2, 2014, and October 31, 2014, and complete the following three actions by November 14, 2014: (1) meet the requirements of Alliant High Rate Checking; (2) make at least one signature- or PIN-based purchase with the Alliant Credit Union Visa Debit Card; and (3) make at least one online bill payment using the free bill pay service in Alliant Online Banking. This bonus deposit offer is not applicable to those who opened an Alliant checking account prior to September 2, 2014, or those who open Alliant checking after October 31, 2014. No minimum balance required to earn the bonus. Offer cannot be used in conjunction with any other checking offer. One $150 bonus deposit per member. Once we verify qualifications, we will deposit the $150 bonus deposit directly into the member's account. Deposit will be made by November 28, 2014, and appear on your November 2014 eStatement. Check the status of the bonus deposit on Alliant Online Banking. The $150 bonus deposit is considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT. This account must remain open for at least six months or the bonus amount will be subtracted from your checking or savings account upon closing. The August 2014 High Rate Checking dividend is 0.65% APY. APY is accurate as of the 06/19/2014 dividend declaration date. No minimum balance required to earn the dividend. Dividend may change after account is opened and is subject to change monthly. When applying for your checking account, use promo code CHEK002.

2 High Rate Checking dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn the stated APY. Alliant checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

3. Alliant eStatements are free. A fee will apply if you choose to receive your account statement in paper form. Refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

4 Based on Alliants August 2014 High Rate Checking rate of 0.65% APY vs. the bank national average checking rate of 0.09% APY as of 08/01/2014 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

5 Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks. Transactions performed at other ATMs may be subject to the ATM owners surcharge fee. Not all ATMs accept deposits. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free.

6 You must meet certain criteria for mobile check deposit. Limitations apply. Mobile check deposit requires a camera-enabled device. Data and text charges may apply. Check with your mobile provider.
Deposits Deals
Spouse wants hobby account how to do it?
Added on : Monday September 15th 2014 01:00:08 PM
g: 0 Posted By: MoneyOCD
Views: 881 Replies: 46 Changed "allowance" to "hobby account" to eliminate wrongperceptions.

Ok, basically situation is in the name - spouse mentioned monthly deposits in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do it into separate checking account and do not jeopardize CashBack?
DoI create myself similar account too? if yes, same amount?
What expenses to include mad/hobby money? Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
Spouse wants allowance how to do it?
Added on : Monday September 15th 2014 10:00:19 AM
g: 0 Posted By: MoneyOCD
Views: 183 Replies: 7 Ok, basically situation is in the name - spouse mentioned monthly allowance in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do allowances into separate checking account and do not jeopardize CashBack?
DoI give myself allowance too? if yes, same amount?
What expenses to include in allowances beside mad/hobby money? Haircuts/salons? Clothing?Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
g: 0 Posted By: zmaster
Views: 115 Replies: 2 Just receive email from Savingstar.

Dear SavingStar Member,

Important Account Change:
Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's.
The way you save at Kroger-owned stores will soon change. Starting October 1, Kroger will transition from an "automatic" (loyalty card) retailer and instead participate as a receipt-scanning retailer. This means that you will redeem SavingStar offers at all Kroger-owned stores by submitting a picture of your receipt instead of linking SavingStar offers to their loyalty card. This change impacts all Kroger-owned stores, including: Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's. This was a corporate decision made by Kroger.

All SavingStar offers redeemed at Kroger-owned stores using your loyalty card must take place by September 30 (rewards will post to your account on or before October 9). Starting October 1, all redemptions will be credited when you submit a picture of your receipt, either through the SavingStar app or SavingStar.com.To learn more go here.Get the iPhone app here Get the Android app here

New Retailers
We are pleased to announce that also starting in October, you'll be able to redeem SavingStar offers at new stores Safeway, Vons, Food 4 Less and H-E-B by submitting a picture of your receipt using the SavingStar app or through SavingStar.com.Get the iPhone app here Get the Android app here.

Other recently added retailers include: WalMart, Target, Kmart, BJs, Costco, Sams Club, Walgreens, Dollar General, Family Dollar, Meijer, and WinCo.

Thank you for using SavingStar!
Sincerely,
The SavingStar Team



I don't know if this is good thing or bad. Kinda upset since it was nice to have automatic report.
In my opinion it is more work on my part, more time
Discussion Deals
g: 0 Posted By: MarkRobinson
Views: 0 Replies: 0 Why is my debt that is past the statute of limitations still being reported on my credit report?

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

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

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

Anyway if anybody knows the best places with the most easy requerments i should apply at some local Credit unions or something please advise.
Credit Deals
Contacted Feds over bank fee for cashing cheques.
Added on : Wednesday September 10th 2014 09:00:10 AM
g: 0 Posted By: winstonwayne
Views: 20 Replies: 2 I filed this report with the Comptroller of the Currency, under whose supervision are federally-chartered banks like Bank of America, N.A.
I wanted to post this so others can get their money back as well.
form said: Bank of America owed me $xxxx.xx as evidenced by a promissory note guaranteed by Bank of America, N. A. and made to my name. I visited the local branch of Bank of America at $time&date$ to demand cash payment. I was informed Bank of America will refuse to pay me unless I was charged $6 for the privilege of being repaid monies owed to me. This is fraud in violation of Florida statute 817.034.3(d) as the face value of the promissory note was not honored. The persons involved in depriving me of legally-owed monies were the manager of the branch, the teller, and a person only identified as "Anna" from Bank of America's risk mitigation department whom the bank manager cited as the supreme authority. Bank of America, N.A. operates under Federal Charter 13044 and is under the supervision of the Comptroller of the Currency.


g: 1 Posted By: ineworbe
Views: 284 Replies: 0 A really cool, modern desk lamp like this. It's infinitely adjustable - you can move the head anywhere on the stand, at any angle.

Amazon has the Miu Color Flamio innovative infinitely adjustable LED Desk/Table Lampfor $79.99 - 20 coupon ZPZWNXZF = $59.99. It's got great reviews, and shipping is free.

Camelcamelcamel reports that it's already at the lowest price it's ever been.
Office & School Supplies Deals

Amazon Coupons
g: 0 Posted By: ineworbe
Views: 87 Replies: 0 A really cool, modern desk lamp like this. It's infinitely adjustable - you can move the head anywhere on the stand, at any angle.

Amazon has the Miu Color Flamio innovative infinitely adjustable LED Desk/Table Lampfor $79.99 - 20 coupon ZPZWNXZF = $59.99. It's got great reviews, and shipping is free.

Camelcamelcamel reports that it's already at the lowest price it's ever been.
GIGABYTE Radeon R7 240 Video Card - 2GB DDR3 ~$35 AR
Added on : Saturday September 06th 2014 07:00:08 AM
g: 0 Posted By: dogmeat
Views: 271 Replies: 0 Several similar deals floating around.GIGABYTE Radeon R7 240 GV-R724OC-2GI Video Card - 2GB DDR3, PCI-Express 3.0 (x8), Overclocked. Seems to get decent reviews. Something between a standard desktop and gamer card. One person reportsit runs Photoshop well. Seems good for a mid range build. 2GB on card is nice.

Cost is $79.97. TD has a $20 off coupon on the page, expires 9/10. $30 mail in rebate. Cheapest shipping was $4.68 for me. So $64.65, less the $30 rebate = 34.65.

Link


Video Cards Deals

Tiger Direct Coupons
Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
Question Deals
New Fed report states the obvious: Uneven recovery
Added on : Thursday September 04th 2014 09:00:10 AM
g: 0 Posted By: fwcompid
Views: 23 Replies: 0 Fed released their Survey of Consumer Finances today

Link to page: Here

Direct Link to report: Here

Bloomberg story: Here

tl;dr: In the past three years, mean family income went up 4% in real terms, but median income fell 5%. Report basically outlining that the rich are getting richer and the poor getting poorer.
Discussion Deals
Brass Ammo Reloads - FS over $200
Added on : Wednesday September 03rd 2014 05:00:04 PM
g: 0 Posted By: kjgeraci
Views: 207 Replies: 0 FreedomMunitions.com has FJM and some calibers of JHP instock cheap. They are basicly reloads (re-manufactured), but pretty good quality according to reviews. Free shipping over $200. ... FS ends 9/6

45 Auto 230 gr. Box of 50 Price:$17.38
http://www.freedommunitions.com/category-s/1844.htm?searching=Y&sort=11&cat=1844&show=160&page=1

9mm 124 gr. Box of 50 $11.41
http://www.freedommunitions.com/9mm-Luger-Ammunition-s/1818.htm?searching=Y&sort=1&cat=1818&show=160&page=1

REVIEWS:
http://www.defensivecarry.com/forum/defensive-ammunition-ballistics/162508-freedom-munitions-any-info.html
http://www.ar15.com/forums/t_5_20/122810_Freedom_Munitions__Range_Report.html
Guns & Ammo Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
$1/2 any ORTEGA Mexican Products = Two Free Taco Season Mixes at Target
Added on : Monday September 01st 2014 05:00:05 PM
g: 0 Posted By: MISTERCHEAP
Views: 3 Replies: 0 Being reported on SD that Target has a price roll back on ORTEGA Taco Season Mixes

use coupon here (2 prints smartsource) to get 4 packs free at 2 for $1 with two $1/2 coupons.

www.ortega.com/promotions

YMMV, have not confirmed this deal myself.
Printable Coupon Deals
g: 0 Posted By: GMY
Views: 227 Replies: 0 I really don't like TigerDirect, but at least there isn't a rebate involved. 39 cents per GB: $197.99 AC, 3-year warranty.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1

http://www.tigerdirect.com/applications/SearchTools/item-details... $15 off $100 coupon is on the page with the SSD. Free 2-day shipping w/ Shoprunner.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1

Provide your PC with a reliable storage system using the Crucial MX100 2.5" SSD. In today's ever-evolving digital world, the demands for new interfaces and multitasking arises. Crucial's 30 years of commitment to bring quality ensures that each product is rigorously developed and tested. Whether you are a household user or a professional, this product delivers instantaneous boot times, blistering data transfer speeds, enhanced multitasking capacity, and rock-solid dependability. This TCG/Opal 2.0-compliant self-encrypting drive is combined with top-of-the-line technologies such as Crucial's own AES 256-bit hardware to make sure your critical data is secured and Self-monitoring, analysis, and reporting technology (S.M.A.R.T) command set. With this Crucial storage-state drive, you can process data in blistering speeds. It offers ample space for saving lots of files, thanks to its 512GB storage capacity. With its Adaptive Thermal monitoring feature, it dynamically adjusts power consumption to help reduce overheating. Manage your files efficiently with the reliable Crucial MX100 Series SSD!

512GB storage capacity; provides ample space to hold your files and documents
Quick boot times; operate your system instantaneously from the get go
Encryption technology; offers top-of-the-line hardware-based data encryption to protect sensitive data
Adaptive Thermal Protection; intelligently adjusts energy consumption based on usage demands
Upgraded performance; take advantage of the latest storage technology that surpasses traditional hard drives
Transformative performance: dramatically faster than a hard drive
Nearly instantaneous boot times
550 MB/s sequential reads, 500 MB/s sequential writes, up to 90,000 IOPS random reads, up to 85,000 IOPS random writes
Compatible with Microsoft eDrive
Includes top-level hardware encryption technology
Industry-standard, 512-byte sector size support
ATA modes supported; PIO mode 3, 4 / Multiword DMA mode 0, 1, 2 / Ultra DMA mode 0, 1, 2, 3, 4, 5
Extensive quality and reliability testing built into every drive
Device sleep (DEVSLP), extreme low-power mode

SSD Deals

Tiger Direct Coupons
g: 0 Posted By: GMY
Views: 131 Replies: 0 I really don't like TigerDirect, but at least there isn't a rebate involved. 39 cents per GB.

Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1, 3-Year Warranty

http://www.tigerdirect.com/applications/SearchTools/item-details... $197.99 AC, $15 off $100 coupon is on the page with the SSD. Free 2-day shipping w/ Shoprunner.



Crucial MX100 Series 512GB SSD - 2.5" Form Factor, SATA III, AES-256 Encryption, 20nm MLC NAND Flash - CT512MX100SSD1


Provide your PC with a reliable storage system using the Crucial MX100 2.5" SSD. In today's ever-evolving digital world, the demands for new interfaces and multitasking arises. Crucial's 30 years of commitment to bring quality ensures that each product is rigorously developed and tested. Whether you are a household user or a professional, this product delivers instantaneous boot times, blistering data transfer speeds, enhanced multitasking capacity, and rock-solid dependability. This TCG/Opal 2.0-compliant self-encrypting drive is combined with top-of-the-line technologies such as Crucial's own AES 256-bit hardware to make sure your critical data is secured and Self-monitoring, analysis, and reporting technology (S.M.A.R.T) command set. With this Crucial storage-state drive, you can process data in blistering speeds. It offers ample space for saving lots of files, thanks to its 512GB storage capacity. With its Adaptive Thermal monitoring feature, it dynamically adjusts power consumption to help reduce overheating. Manage your files efficiently with the reliable Crucial MX100 Series SSD!

512GB storage capacity; provides ample space to hold your files and documents
Quick boot times; operate your system instantaneously from the get go
Encryption technology; offers top-of-the-line hardware-based data encryption to protect sensitive data
Adaptive Thermal Protection; intelligently adjusts energy consumption based on usage demands
Upgraded performance; take advantage of the latest storage technology that surpasses traditional hard drives
Transformative performance: dramatically faster than a hard drive
Nearly instantaneous boot times
550 MB/s sequential reads, 500 MB/s sequential writes, up to 90,000 IOPS random reads, up to 85,000 IOPS random writes
Compatible with Microsoft eDrive
Includes top-level hardware encryption technology
Industry-standard, 512-byte sector size support
ATA modes supported; PIO mode 3, 4 / Multiword DMA mode 0, 1, 2 / Ultra DMA mode 0, 1, 2, 3, 4, 5
Extensive quality and reliability testing built into every drive
Device sleep (DEVSLP), extreme low-power mode
New Arrivals: Patrizia Pepe - Black Leather Reporter Bag
Added on : Sunday August 31st 2014 09:00:04 AM
Black Leather Reporter Bag crafted in supple leather with double zip compartments, part of the First Fly Collection, is a retro chic compact way to carry your everyday essentials well into evening. Featuring two top zip closure compartments; one with internal zip pocket and the other with two slip pockets, detachable adjustable shoulder strap, outer side »pockets» that conceal strap ring, signature logo at bag front and gold tone signature hardware detail. Signature dust bag included. Made in Italy.
g: 6 Posted By: dodealer
Views: 889 Replies: 7 Staples has a $50 off coupon for HP printers regularly priced at $199 or over. The HP 1606dn is listed as regularly $209, but currently priced on sale at $119.99 (have to add to cart to see that price). Add the coupon, and the total is $69.99. Printer does wired networking and duplex. Good personal laser.

HP 1606 dn at Staples

Online/phone coupon code: 17417
In-store coupon link: 32814

Haven't tried this B&M, but assume you could price match website if they have a different price. YMMV.

$99.99 at Amazon with 4 stars.
One report (thanks ig88d!) of PM with Amazon on original price to $99.99, then with coupon would be $49.99. YMMV.
laser printers Deals

Staples Coupons
U.S. Hikes Fee To Renounce Citizenship By 422%
Added on : Sunday August 31st 2014 08:00:09 AM
g: 1 Posted By: GotRocks
Views: 15 Replies: 0 US Hikes fees to renounce citizenship by 422%

As an expat who is considering renouncing my citizenship sometime in the future, I find this fee increase quite outrageous. They say the increase is due to the number of people currently renouncing US citizenship. The increase in people renouncing their US citizenship in the past year or two mainly has to do with the onerous requirements of FATCA and a lot of those people who are renouncing have never ever lived in the US. The fee increase from $450 to $2350 seems like punishment to the people who do not have substantial income but were caught up in FATCA by virtue of birth or marriage (a US citizen married to a non-US citizen has to comply with the FATCA reporting requirements). I say that this is punishment because to a person like facebookco-founder Eduardo Saverinwith ska-billions of $ to his name, $2350 is a mere drop in the bucket. But to the average Joe who was born in Canada to American parents, this is a big chunk of change.

So once again, the US government makes me angry and just adds more fuel to the fire under my renunciation quest.
Home Depot's Behr Paint save $5/gallon or $20/5-gallon thru 9/1
Added on : Saturday August 30th 2014 03:00:04 AM
g: 1 Posted By: dgoedken
Views: 414 Replies: 0 Didn't see when the rebate starts (guessing Sunday since when I click to the rebate, it doesn't show it yet), but is up on their site. Typical for Labor Day to have this rebate on Behr. Consumer Reports rated their Ultra line #1 for Satin/Eggshell, as well as #1 for their Flat. It's half the price of Benj. Moore AND rated higher! The Ultra also came in 2nd for semi-gloss. In short, you can't go wrong w/ Behr's Ultra line.

Enjoy.

HD_Paint_Link_Behr

Home & Garden Deals

Home Depot Coupons
Home Depot's Behr Paint save $5/gallon or $20/5-gallon
Added on : Saturday August 30th 2014 12:00:04 AM
g: 0 Posted By: dgoedken
Views: 174 Replies: 0 Didn't see when the rebate starts (guessing Sunday since when I click to the rebate, it doesn't show it yet), but is up on their site. Typical for Labor Day to have this rebate on Behr. Consumer Reports rated their Ultra line #1 for Satin/Eggshell, as well as #1 for their Flat. It's half the price of Benj. Moore AND rated higher! The Ultra also came in 2nd for semi-gloss. In short, you can't go wrong w/ Behr's Ultra line.

Enjoy.

HD_Paint_Link_Behr

Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: BigBoyMichigan
Views: 27 Replies: 0 Check out BigBoyMichigan's Other Great FatWallet Deals Here


BMO Harris Bank

Customers who open aBMO Harris Bankpersonal checking account between June 25 and Sept. 30 can qualify for a cash-back incentive. Depositors earn $150 for opening an Everyday Checking account and $200 for opening either a Select Checking or Portfolio Checking account with a qualified direct deposit. To qualify, a customer must set up direct deposit of a paycheck, pension payment, Social Security payment or other government benefit to be deposited electronically at least once per month. Each of these deposits mustbe $300 or more, with the first direct deposit occurring within 60 days of opening the account.

This cash incentive is paid approximately 120 days after the account is opened and the bank requires these accounts to remain open for a minimum of six months. The cash reward will be reported to the IRS for tax purposes. This account also comes with fees. The bank's Everyday Checking account comes with a $10 monthly maintenance fee, Select Checking has a $15 maintenance fee and Portfolio Checking charges a $25 fee monthly unless one of a list of requirements is met to waive the fees.
Deposits Deals
g: 0 Posted By: BigBoyMichigan
Views: 68 Replies: 0 US BANK - $150.00 BONUS


1. To earn the $150.00 cash bonus, open a new U.S. Bank Consumer Checking Account (excluding Student Checking) between July 14 and September 12, 2014, and present the promotion code provided (See website to get your Prpmotional code). Additionally, you must complete Direct Deposits totaling at least $500 OR complete three or more Online Bill Pay transactions by October 31, 2014. The cash bonus will be deposited into your new Checking Account within 60 days of Direct Deposit or Bill Pay verification, as long as your account is open and does not have a negative balance. Bonus will be reported as interest earned on IRS form 1099-INT and recipient is responsible for any applicable taxes. Offer may not be combined with any other Checking Account cash bonus offers, is not valid if you have received a Checking Account cash bonus in 2014, or if you have an existing U.S. Bank Checking Account. Other restrictions may apply. A minimum deposit of $25 is required to open a U.S. Bank Checking Account. All regular account opening procedures apply. Deposit products offered by U.S. Bank National Association, Member FDIC.


2.NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.Subject to complete Official Rules. Open only to legal U.S. residents 18 or older. Void where prohibited. Starts on/about 12:00 AM CT on 7/14/14 & ends 11:59 PM CT on 9/12/14 (Entry Period). To Enter: auto entry by opening a new U.S. Bank Consumer Checking account (excluding Student Checking) during Entry Period (min. deposit of $25 required). Odds of winning depend on the number of eligible entries received during the Entry Period. To enter without opening account, & for full Official Rules, & prize details visitwww.USBankPowerUp.com/sweepstakes.Prize (1): verified winners choice of: a 2014 Tesla Model S luxury electric car (MSRP $114,640);OR$100,000 (awarded as a check). Limit 1 entry per person. Sponsor: U.S. Bank, Mpls, MN. Tesla Motors, Inc. is not a sponsor, co-sponsor or administrator of this sweepstakes. Image licensed from Tesla Motors, Inc. 2014.
Deal Deals
g: 0 Posted By: BigBoyMichigan
Views: 32 Replies: 0 CHECK OUT BigBoyMichigan's Other FatWallet Deals Click Here



CHASE BANK $150.00 BONUS - OFFER ENDS OCTOBER 15, 2014


Bonus/Account Information:Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid through 10/15/2014. To receive the bonus:1)open a new Chase Total Checking account, which is subject to approval;2)deposit $100 or more within 10 business days of account opening; AND3)have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The bonus cannot be used as the opening deposit. You can only receive one new checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.

Personal Finance Deals
g: 0 Posted By: BigBoyMichigan
Views: 8 Replies: 0 First Niagara Bank $250.00 Bonus
How to get your $250.00 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 $250.00 or more.
Make ten debit card purchases.
Make five bill payments using Online/Mobile Banking.

Complete AnyOne: Earn$50.00total
Complete AnyTwo: Earn$100.00total
Complete AllThree: Earn$250.00total**BONUS (Choice Checking, Pinnacle Checking, and PinnaclePlus Checking Only)
You may be paid up to $250 as a cash bonus. To qualify for cash bonus you must open a new checking account.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. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.Payment:$50 for 1st completed criteria, additional $50 for 2nd completed criteria, additional $150 for 3rd completed criteria. Total payout is up to $250.Timing: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 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. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on one account. Customers must be residents of CT, MA, PA or NY to participate in this offer. Not available to Trust or Estate accounts. Bank employees and members of their household are not eligible for this promotion. The amount of the cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS Form 1099-INT for the year in which the bonus is paid to you. Promotion runs through 9/12/2014 and can be withdrawn at any time.Minimum opening deposit is $50.00 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 7/25/2014, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.One-Swipe Balance is a trademark of First Niagara Financial Group, Inc.
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 85%-90% Off Category

Wired (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Popular Science (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
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Marie Claire (1yrs: $4.50, 2yrs: $9.00)
Digital Photo (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
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Woman's Day (1yrs: $4.99, 2yrs: $9.98, 3yrs: $29.97)
Fast Company (1yrs: $4.50, 2yrs: $9, 3yrs: $13.50, 4yrs: $18)
Automobile (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
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Flex (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
O, The Oprah Magazine (1yrs: $6.99)
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Harper's Bazaar (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Islands (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Motorcyclist (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Chicago (1yrs: $4.99, 2yrs: $9.98)
Life Extension (1yrs: $4.50)
Log Home Living (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Los Angeles (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
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Time Out New York (1yrs: $4.99, 2yrs: $8.99)
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80%-85% Off Category

Popular Science (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Men's Health (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Good Housekeeping (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Backpacker (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Country Living (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
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Running Times (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Old House Journal (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
American Photo (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Bridal Guide (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Dog Fancy (1yrs: $11.99)
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Arthritis Today (1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97)
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75%-80% Off Category

Weight Watchers (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
Prevention (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97, 4yrs: $27.96)
Consumer Reports (1yrs: $19.99, 2yrs: $39.98)
Popular Mechanics (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)
Home Business (1yrs: $6.50, 2yrs: $13.00)
Oxygen (1yrs: $14.99, 2yrs: $19.99)
Arts & Crafts Homes (1yrs: $6.99, 2yrs: $13.98)
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Woodcraft (1yrs: $7.99, 2yrs: $15.98)
Cat Fancy (1yrs: $7.99)
Nylon Guys (1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Midwest Home (1yrs: $5.99, 2yrs: $11.98)

70%-75% Off Category

ShopSmart (1yrs: $14.96)
Martha Stewart Living (1yrs: $14.99)
CBS Watch! (1yrs: $3.99, 2yrs: $7.98)
The Ring (1yrs: $24.99)
Cookbook Digest (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97, 4yrs: $39.96)
Catholic Digest (1yrs: $14.99, 2yrs: $29.98)
The American Spectator (1yrs: $22.99, 2yrs: $45.98)

65%-70% Off Category

Urban Farm (1yrs: $8.99)
MAD (1yrs: $11.99, 2yrs: $23.98, 3yrs: $35.97)
Girls Life (1yrs: $6.99)
The Beer Connoisseur (1yrs: $9.99, 2yrs: $19.98)
iD: Ideas & Discoveries (1yrs: $9.99)
Bloomberg Markets (1yrs: $19.99
)
60%-65% Off Category

Thomas & Friends (1yrs: $14.99, 2yrs: $29.98)
Disney Princess (1yrs: $13.99, 2yrs: $27.98)
Disney Junior (1yrs: $13.99, 2yrs: $27.98)
Games World of Puzzles (1yrs: $9.99)
Consumer Reports Money Advisor (1yrs: $22.50)
Popstar! (1yrs: $17.99, 2yrs: $39.98)


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Suggestions for steps in securing online access to credit cards?
Added on : Thursday August 28th 2014 05:02:04 AM
g: 0 Posted By: violentkoala
Views: 10 Replies: 0 Twice this week, my credit card acct has had its address and email address updated. And during one of the incidents, an AU was added. I went over tocreditboards and will be followingWC's directions there to secure my credit report/ personal data. Not sure if this is relevant in the pursuit of credit monitoring, but theCC wasattached to my Sony PSN acct during thegreat hack of 2011.Should I report this to my local law enforcement?

Outside of following CB, what monthly triple scoremonitoring servicesare suggested? I recently received a 100k point amex offer, and I hear they offer triple score monitoring, any feedback on their service?
Credit Deals
Tax Court: Citi Thank You points for account opening are taxable
Added on : Wednesday August 27th 2014 12:00:10 PM
g: 0 Posted By: tuphat
Views: 91 Replies: 1 See link below to recent decision by Tax Court.

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

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

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

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

http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
Discussion Deals
g: 0 Posted By: rbstern
Views: 165 Replies: 0 Printer is currently on sale. Originally $299, less $110 discount, sale price $189. Trade in your old printer for another $50 credit.Final price $139.

After deciding to retire my unreliable Lexmark color laser printer, which was bleeding me to death via expensive toner cartridges, I started researching replacements. Read several times that inkjets are now rivaling color lasers in the SOHO segment of the market. The Epson WF-4630 had some of the best ratings and reviews on Amazon, so I settled on that model. Went into the local Office Depot today toput my hands on one. Was surprised to find a display placard next to the WF-4630 indicating that I could get a $50 credit for trading in my old printer. Didn't see any reference to this deal online.

The old Lexmark weighs about 50 pounds, is bulky, and I hated the idea of throwing it in the trash. Thehelpful salespersonat Office Depot said it goes to a recycling center if traded in. Win-win. They rang me up, including the $50 trade-in discount and asked that I drop the printer off next time I was in the store.I brought it to them this evening.

I've had the WF-4630 up and running in my office all afternoon, and I have to say, it is impressive. Fast, quiet, and the print quality is excellent. Cost per page is reportedly low, which was critical to me. This deal is also good on models WF-4640 (same printer with an additional paper tray), and WF-7620 (13x19 paper capable, with dual paper trays). Both are a bit more money than the WF-4630, but also look like relative bargains. All of these models use the new Epson "PrecisionCore" technology, which is their latest generation chip/print head technology. My initial impression is that it works.

http://www.officedepot.com/a/products/657703/Epson-WorkForce-Pro-All-In-One/
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car dealership credit report/requiring SS# in IRS Form 8300
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: juggle
Views: 116 Replies: 2 I am clear with car dealer that I'm paying cash. Their efforts to get me to fill out their credit app are rejected. They press that it's needed for their DMV info sharing. I give in & fill out my name, address,& DL#. Later when I'm pressed to sign that long form, I sign, but right above that- in a blank part- I write that the form isn't to be used for any credit chks. Later, I see my sales guy showing & flailing the form at his boss in frustration about dealing with me. Ha ha! Somewhere in there were comments about their need to know who they're dealing with. Again- I'm not applying for financing, but you have my ID anyway. Well, he says they can be fake. Yeah the cops are up & down the street all the time for fraud problems. They insist I'll have to fill out IRS Form 8300, Report of Cash Payments over $10k.I'll be back the next day & say I'll take the form now. He gives itto me.Today I had to call to reschedule the appt. for Mona.m. & the asst mgr makes a comment that I'llhave to provide my SS# with that form. --I don't know that it's necessary for them to have my SS#. Does anyone know if I truly do need to fillit out? Don't remember filling it out for my last car.Thoughts?
Discussion Deals
$2 Armour Women's RBI Softball shorts @ team express when you buy 2+
Added on : Friday August 22nd 2014 11:00:50 AM
g: -3 Posted By: tommythe
Views: 583 Replies: 2 under armour shorts these are buy 1 get 1 price is $3.98 so its $2 a piece $7 flat rate shipping (UPS ground 1-5 days)
it sayssoftball shorts but I think they look anonymous and no one will report you if you use them outside of softball
they are selling out quick so hurry many sizes and colors still available
Clothing Deals
$2 Under Armour shorts @ team express when you buy 2+
Added on : Friday August 22nd 2014 08:00:47 AM
g: -2 Posted By: tommythe
Views: 329 Replies: 1 under armour shorts these are buy 1 get 1 price is $3.98 so its $2 a piece $7 flat rate shipping (UPS ground 1-5 days)
it says baseball short but I think they look anonymous and no one will report you if you use them outside of baseball
they are selling out quick so hurry many sizes and colors still available
Clothing Deals
g: 0 Posted By: ctgolfer
Views: 185 Replies: 0 use promo code: 4F4A553

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Video Featuresmydlink Cloud Services: Remotely monitor your network using your smartphone or tablet.
Video FeaturesFast, Faster, Fastest: Gigabit Ports.
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Video FeaturesAC means doing what you love on all your devices. Watch a movie. Game without lag. Upload pictures of your cat. Whatever youre into, AC Wi-Fi has your back.
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BBVA Compass $150 Checking bonus
Added on : Wednesday August 20th 2014 03:00:08 PM
g: 0 Posted By: INoobieYou
Views: 5 Replies: 0
First open up your BBVA Compass ClearChoice Checking account.
Then, within two calendar months, add a BBVA Compass savings or Money Market account, if you don't already have one.
Have one or more electronic deposits totaling $1,000 in a calendar month from an unrelated third party post to the checking account.
Then, we'll deposit $10 each of the first 12 months you have the account open and meet the stipulations. Plus, an additional $30 bonus after meeting the monthly bonus requirements for 12 consecutive months.
AL, AZ, CA, CO, FL, TX ,NM


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


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

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

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

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

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

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

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

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

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

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

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

"Ira Berkow is one of the best sportswriters around, so it is no surprise that his basketball odyssey is one of the best sports books of this or any other year."George Plimpton
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brokerage systematically reporting incorrect cost basis
Added on : Tuesday August 19th 2014 07:00:10 AM
g: 0 Posted By: SegaRob
Views: 56 Replies: 5 I don't know if anyone else here has noticed, but Interactive Brokers (IB) system for calculating cost basis in their Trader Workstation (TWS) is completely inaccurate for just about anything except simple trades. It screws up stock splits and exercised options terribly. I contacted them and they said they're aware, but the statements are accurate and I can manually adjust each position if I wanted. I thought that was ridiculous, but they don't seem to care. I'm quite happy with IB otherwise and rather not change brokers. Providing false information to the customer doesn't seem legal or ethical even if they do submit correct info to the IRS. Obviously, it's helpful to know my cost basis to know my profit/loss to know how my positions are doing and the tax consequences if I closed them out. Does anybody know who would be the best agency to complain to about this issue?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

If credit bureaus don't know about income changes within the year (other than annual federal tax filing?), maybe the best would be to put last year's W-2 reported number?I'm tempted to put my new salary in as annual income but fear I'll be asked to provide evidence of it or simply be rejected. I'm planning a mini AOR so I want to avoid making phone calls to the card companies after applying.
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Mortgage got sold to NationStar, but have no account number yet
Added on : Saturday August 16th 2014 08:00:11 AM
g: 0 Posted By: cpaynter
Views: 79 Replies: 3 I've been with Freedom Mortgage for a couple of years now, no problem. On July 30, I got a letter from Freedom, informing me that my mortgage had been sold to NationStar effective August 1, and that Freedom would no longer be accepting payments, and that I should expect communication from NationStar. I waited, but nothing ever came. I tried registering on NationStar's site, which seems to have an accomodation for such cases; you can register with your old mortgage account number. Tried that, no dice. Number not recognized. I called NationStar customer service, and they informed me that they were backed up, and hadn't assigned me an account number yet, and that I should wait for something to come in the mail. It's now August 16, and I still haven't seen anything. Technically, my mortgage payment is now one day overdue.

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

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

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

So, any advice on what to do?

Chris.
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How to fix an error on credit report?
Added on : Wednesday August 13th 2014 05:00:06 PM
g: 0 Posted By: FWFGirl
Views: 38 Replies: 0 Not an alternate ID, first time posting about an issue and would very much appreciate any advices.

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

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

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

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

Thank you for reading!
New User Question Deals
Michelin LTX M/S 2 Radial Tire - 235/70R17 $82.35+Prime free shipping
Added on : Wednesday August 13th 2014 11:00:05 AM
g: 0 Posted By: BennyZz
Views: 273 Replies: 0 Michelin LTX M/S 2 Radial Tire - 235/70R17 $82.35+Prime free shippinghttp://www.amazon.com/Michelin-LTX-Radial-Tire-70R17/dp/B004QL6KJ4?

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

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

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

Product details:
Brand: Michelin
Model: LTX M/S 2
Item Weight: 24.3 pounds
Product Dimensions: 30 x 30 x 9.3 inches
Manufacturer Part Number: 1721
Section Width: 235 millimeters
Aspect Ratio: 70
Construction: Radial
Rim Diameter: 17 inches
Load Index Rating: 108
Speed Rating: T
Tread Depth: 12 inches
UTQG: 720-A-A
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Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 171 Replies: 0 Compatible with Apple iPad 2 and iPad 3rd generation
Turns your device into a complete point of sale, allowing you to accept payments, manage items, view sales reports and more to meet your business needs.
Integrated card reader
Accepts credit card payments and keeps credit card information secure. Charges 2.75% per swipe from Visa, Mastercard, American Express and Discover credit cards. Square Reader (included) enables on-the-go payments.
Fast deposits
Funds from swiped credit card payments are deposited directly into your connected bank account within 1 to 2 business days.
Swivel-for-signature design
Lets you easily rotate the stand toward the customer, so he or she can sign for purchases on the screen of your iPad.
3-port USB hub
Allows you to connect hardware accessories, such as a receipt printer, cash drawer and bar-code scanner, for simple connectivity options.
Smart business tools
Include real-time sales data, best-selling item summaries and custom reports, which provide helpful information for running your business effectively. Square Register app (download required) enhances use of your device.
Included security kit
Secures the stand to a counter and keeps your iPad locked to the stand for peace of mind.
Runs off of your device's battery for approximately 8 hours
For extended operation. The 6' power cord offers additional powering options.

www.bestbuy.com/site/square-stand-for-apple-ipad-2-and-ipad-3rd-...
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g: 3 Posted By: remick
Views: 332 Replies: 1 http://www.amazon.com/dp/B00B853VB6/
4.9 out of 5 stars (19 customer reviews)

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


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

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



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

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



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

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



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

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



Five Lessons from the Carmelite Saints That Will Change Your Life
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4.6 out of 5 stars (99 customer reviews)

Are you new to the Catholic spiritual life? Stuck in a rut? Not sure how you can grow closer to God? Five Lessons from the Carmelite Saints That Will Change Your Life will give you direction. St. Teresa of Avila, St. John of the Cross, and St. Therese of Lisieux will show you five vital steps you need to take to be holy.
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4.9 out of 5 stars (244 customer reviews)

Right now there is only one book available by Dave Roberson, but it is a book used by God to transform believers' lives in extraordinary ways.
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Foundlings (The Peleg Chronicles, book one 1)
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4.6 out of 5 stars (103 customer reviews)

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Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

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

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

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

FICO Recalibrates Its Credit Scores

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

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

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

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



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

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

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

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

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

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

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



www.att.com/accessories/specialty-items/scosche-cellcontrol-safe...
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Jelly Belly coupon codes
Added on : Tuesday August 05th 2014 01:00:08 PM
g: 0 Posted By: swisscheesemiester
Views: 124 Replies: 0 All JellyBelly.com coupon codes are here:
https://oms.jellybelly.com/Reports/ActivePromotions/
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Jelly Belly Coupons
$100 off HERO3+ Black Edition or HERO3+ Silver Edition at gopro.com
Added on : Tuesday August 05th 2014 07:00:04 AM
g: -2 Posted By: ywd
Views: 264 Replies: 3 Thanks for stopping by the GoPro booth at EAA Airventure to check out our cameras and the incredible content captured by GoPro users across the globe. To keep the stoke alive, were offering you $100 off a HERO3+ Black Edition or HERO3+ Silver Edition for two weeks only at gopro.com.

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


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

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

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

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

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

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

What are the pros and cons?

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

Thanks.

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

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

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


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

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


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

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

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

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

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

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

Any help is appreciated.Thanks in advance!

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

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

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

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

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

Store pick up. YMMV.

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New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

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

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


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


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

The new method:

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

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

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

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

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

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


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

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

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

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

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

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

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


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


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

The new method:

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

Known:

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Total: $1699.25

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

Total: $2565

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

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

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

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

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

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

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

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

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

BLOODSHOT #1 by Duane Swierczynski & Manuel Garcia

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

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

ETERNAL WARRIOR #1 by Greg Pak & Trevor Hairsine

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

HARBINGER #1 by Joshua Dysart & Khari Evans

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

QUANTUM AND WOODY #1 by James Asmus & Tom Fowler

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

RAI #1 by Matt Kindt & Clayton Crain

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

SHADOWMAN #1 by Justin Jordan & Patrick Zircher

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

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

UNITY #1 by Matt Kindt & Doug Braithwaite

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

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

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

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
Alert: SJ KUNDBOKNING Credit Card Scam Strikes Again!
Added on : Saturday July 12th 2014 05:00:05 AM
g: 0 Posted By: jr9726
Views: 99 Replies: 1 My credit card was just charged yesterday, July 11, 2014 by this SJ KUNDBOKNING twice, one for $198.36 and another for $133.49, in an attempt to max out my credit card. Luckily, I only had about $400 of available credit left on it. I was getting ready to pay my bi-annual insurance premium so I made an extra payment recently and went to check my online statement to see if it was already credited. That's when I noticed this unauthorized charge on my account. I was infuriated. That was a lot of money to me. Now, I don't have enough available credit to pay for my bi-annual insurance premium which is due by next week because of this unauthorized charge. So I called the bank right away and they too knew that this was a scam charge after checking their database. They took care of the unauthorized charges by taking responsibility for them while they investigate and alert authorities, and they restored my account balance. They also deactivated my credit card and issued me a new one after confirming the last valid charge. They told me that this scam charge may have been carried out through hacking some vendors' point-of-sale computers and that there was nothing I could have done to prevent the scam artist from stealing my credit card number on those vendors' files. So check your online statement and report this unauthorized charge immediately if you notice it. That is the only way to stop the scam. Another way is to have the perpetrator of this scam arrested if you know who it is. If you do, please call police and report the credit card thief!
Personal Finance Deals
g: 1 Posted By: quilligan
Views: 95 Replies: 0 Free 1-year Print Subscription to Popular Photography Magazine

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

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

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

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

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

This sells for $279.99 from Amazon.

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

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

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

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

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

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

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

Beyond: Cant comment, this is where I am

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

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

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

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

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

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

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

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

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

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


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

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




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

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

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

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

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

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

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

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

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


​AMAZON LINK
Cell Phones Deals

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

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

What You Get


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


Bundled Goodies


NeatCloud + NeatMobile 30-day trial offer


Good to Know


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


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

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

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

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

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

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

Exp 10/15/2014

$250 coupon link

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

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

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

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

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

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

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

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

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

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


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

Bloomingdales has a lot of stuff on sale right now.

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

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

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

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

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

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

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

Please post what you find working and not working.

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

kate spade
Madden
Sferra

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

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

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

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

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

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

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

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

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

Bloomingdales has a lot of stuff on sale right now.

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

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

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

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

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

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

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

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

Please post what you find working and not working.

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

kate spade

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Confirmed working:
All Clad
Staub
JA Zwilling

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Use Code: EYWYNIJX at checkout.

Price after coupon: $89.99 + Free Shipping

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


Tablets & iPads Deals

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

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

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

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


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

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

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

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

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

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

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

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

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

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

Wells Fargo APPROXIMATE COST OF CLOSING FEES


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

Penfed's Closing Fees

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

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

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

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

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

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

Electronics Deals

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

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

Electronics Deals

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

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

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

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

Fax Specifications
Modem Speed: Up to 33.6 Kbps (Super G3)
Fax Resolution: Up to 200 x 400 dpi (super fine)
Transmission Time: JBIG (approx. 3 seconds)
Memory Capacity: Up to 256 sheets5
Speed Dials ◦4 one-touch speed dials
◦100 coded dialsGroup Dialing: 103 destinations
Sequential Broadcasting: 114 destinations
Receive Modes: FAX Only, Manual, Answering, Fax/Tel Auto Switch
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Color Depth: 24-bit
Scan Resolution ◦Up to 600 x 600 dpi (optical)
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◦ADF: 5.8" x 4.1" to LegalCompatibility: TWAIN, WIA
Output File Formats: Hi-Compression PDF (Windows only), Searchable PDF (Windows only), PDF, JPEG, TIFF, BMP, PNG6
Scan Features: Rotate Image
Pull Scan: USB and Network
Push Scan (Scan to pC): USB and Network
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g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

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

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

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

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

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

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

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

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

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


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


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
g: 0 Posted By: DizzyT71
Views: 184 Replies: 1 Papa Johns Pizza - 3 Large Pizzas for $15, 2 Now (1 Topping), 1 Later (3-Topping) YMMV
Valid thruJune 29, 2014.


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

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

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

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

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

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

Customize 2 Large 1 Topping Pizzas

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

Checkout

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

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

Must redeem by July 13, 2014.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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




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

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


Whats Included:

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

Electronics Deals

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

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

GET GREAT EXTRAS, INCLUDING:

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

HURRY - THIS OFFER ENDS JULY 15, 2014

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

OR

GET $400 FOR BOTH!

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

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

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

Magazines Deals

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

www.bestbuy.com/site/sirius-stratus-7-satellite-radio-with-power...
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Best Buy Coupons
New Personal Finance Software Gauging Interest
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: samiam68
Views: 137 Replies: 3 I have been using Quicken since the 1990s, the latest version being 98. That is correct Quicken 98 is the last version that I consider useful, well put together, and actually "quick". Every version since has become more bloated, less useful, buggier, and slower.

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Questions:

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

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


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

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

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

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

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

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

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

How do you see this playing out?

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


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

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

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

How do you see this playing out?

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

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

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

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

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

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

Follow up questions:

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

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

Thanks

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g: 0 Posted By: MISTERCHEAP
Views: 126 Replies: 0 Food Network Magazine only $11.99 after code HIP40
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Lawyer wants to be fired
Added on : Tuesday May 27th 2014 04:00:08 PM
g: 0 Posted By: LOOPHOLE
Views: 276 Replies: 4 Serious dilemma here, my divorce lawyer of 9 monthskeeps "asking" me to fire her, she's even tried to provoke me to fire her. The problem is thatthere's a trial scheduled for next week! I don't think she's prepared and is looking for a way out as she would never be allowed to withdraw at this stage. She's assured me all along that her "nice strategy" was going to work & she had an understanding with the enemy,but then opposing counsel started hammering and dropped a bombshell yesterday with respect to property settlement, now I feel like I'm about to be slaughtered here. I called her out on blatant lies in her emails. I am definitely going to report her to the state bar, but not sure how to proceed otherwise. Any advice appreciated.
Question Deals
g: 4 Posted By: gd78
Views: 1084 Replies: 5 Summary:
Receive a $10 Lowes gift card for getting an auto insurance quote from AAA.
You must be a California resident
You DO NOT have to be a AAA member.
You DO NOT have to buy anything.
There's no invitation code and it's not targeted. Just tell them you want the Lowes offer.
You must get the quote in person or by phone.

Link to offer details

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

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

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

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

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

Haier 22" 1080p LED HDTV. Free Returns

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

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

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

Link to offer details

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

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

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

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

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

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

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

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

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

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

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

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


PC Minimum System Requirements:

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

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

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


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

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

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

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

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

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

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

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

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

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


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

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g: 0 Posted By: ctgolfer
Views: 299 Replies: 0 use promo code: FATWALLET

Car and Driver
Car and Driver is the definitive source of automotive reviews and tests. This magazine subscription covers domestic and import cars and trucks, offering the most in-depth road tests, performance ratings, and technical reports of any automotive magazine on the market. Each issue features vehicle spotlights, interviews with automotive leaders, and international coverage of championship car events.

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

Is there a way to find out if an insurance claim was filed on it through its VIN number? Would Carfax report show such claims? Thanks.
Question Deals
AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

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

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

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

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

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

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

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

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

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

​http://cdn.mercurymagazines.com/200-2006611/index.html
Totally Free Deals
g: 0 Posted By: DWooley
Views: 11 Replies: 0 If you forgot to close the account from this promotion:
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
here is additional $50, check your email for details:

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

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

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

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

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

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

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

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

Women's Health- $4.99 for a 1yr. Subscription - Up to 3 Years

Bundle:ShopSmart & Consumer Reports Bundle- $33.95 for a 1yr. Subscription - Only 1 Year
g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 Product Features:
Multifunctional design: alarm clock, radio and weather radio
Receive FM, AM, seven NOAA weather channels and Skywarn reports
Digital SAME (Specific Area Message Encoding) technology
Hear Skywarn weather reports minutes before severe weather is repeated on NOAA WX radio stations
Preloaded FIPS codes make it easy to program for your area
Sixteen alert volume levels
Separate daytime and night time alert volume settings
Different color LEDs indicate if the alert is a warning (red), watch (orange) or advisory (yellow)
Alert reminder lets you know if you've missed an incoming transmission
Alert notifications display as text and can sound as tone or tone with voice
Auxiliary input enables you to play an MP3 player or other device through the radio speakers
Dual alarm clock can be set for two people to wake up at different times
Choose an alarm to wake you up: FM, AM or alarm tone
Battery indicators
60-hour battery backup
Bilingual display: English or Spanish

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

www.dailysteals.com/#deals/24266
Electronics Deals
SQUATTERS! what would you do?
Added on : Thursday May 15th 2014 07:00:09 AM
g: 0 Posted By: solarUS
Views: 23 Replies: 0 I acquired a tax lien on a property in my town (New Olreans) last year. An old double very close to the French Quarter, with good bones, but needing total rehab. Under state law, the earliest I can acquire full title to the house isspring 2015. Meantime, there are now squatters set up in it. The front doors both lock, but the back door has been off the house for some time (before i bought it) and that is their point of entry. They have put some nasty furniture in it, and even cleaned up all the shit that was there from the last set of squatters. There are absolutely no utilities, mind you. These are gutter punks, and crazy ones it looks like, given all the nutty writing all over the walls ("i'm sorry i missed agent orange" for example). My only real concern here is that on a cold night, they start a fire and burn the house down...happens pretty often down here. Not a big concern in the summer, but I would prefer to nip this in the bud. Insurance is obviously improssible. There is a provision with tax liens, that a lienholder can take possession of a property in order to protect it. I did ask a lawyer about this, who said i can do what's necessary, but i paid him $0 so i value the advice at that. The property is worth a bit of money, even in the present state. I'm guessing $60-70k. I have about $4-5k in it. The house burning down is really the only way i lose here.

Options:
1) Approach owner to purchase house. Not likely, given that there is an "et al" on the title, indicating that there is more than one party.
2) Call police for trespass. NOPD are horrendous. Likely to get nothing out of this.
3) Rent dumpster. empty house. board everything up with a preponderance of nails. My preferred option.
4) Report a break-in. Might get the cops out faster.
5) say "screw it" until the weather gets cold, and hope they leave by then.

Anything I am not considering? other options? risks? TIA
Interesting strategy to deal with a collection account
Added on : Wednesday May 14th 2014 06:00:08 PM
g: 0 Posted By: Silverthunder
Views: 39 Replies: 1 Here is my situation:
I was being careless/ somewhat silly with a small balance that I owed Comcast. First, I was keeping it around so that I could run .01-.10 charges through the account to satisfy rewards checking account requirements. Then, paying it was on my to-do list for a long while. Then, I was going to call them and get them to remove the late charges and then pay the balance. Finally got around to calling them today. It's Comcast and I am getting nothing but the runaround from them. All along, Comcast wasn't sending me bills or collection threats which is what made me too laid back about the whole thing.

I am pretty concerned that this collection account will hit my credit and affect my ability to open a lot of new credit cards like I enjoy doing

the first rep that I spoke to said that it's in Comcast's internal collection department. I told them I will pay it if you first send me something in writing that you will erase/ not report it if I pay in full (need them to send before I make a payment). No luck with that. I got them to have a supervisor call me. Supervisor was no help. Next, I called back and got someone one the phone that said that the account had been turned over to a collection agency. However, there are 5 or 6 ones that they use and he didn't know which one. He gave me the name of 2 of them. I called both of them; one I left a message for and the other one doesn't get any business from Comcast.

Since the collection account is a small amount, I think that I will probably just pay Comcast. This might "pull" the collection account back to Comcast and that way it never was a collection account. I don't believe that Comcast's internal collections department will report to the credit bureaus (this is what the 3rd Comcast rep that I talked to told me & I have personally seen over 1000 credit reports of people that live in an area that Comcast serves and I don't think I have ever seen Comcast reporting directly except for a credit pull).

If I do hear from a collection agency, I have multiple lines of defense. interestingly enough, one of them wont be "oh, I already paid that to Comcast" as they may just change it to a collection account with a 0 balance.
Discussion Deals
g: 6 Posted By: helloimalbert
Views: 1164 Replies: 18 https://creditcards.citicards.com/usc/Travel/AA/2013/q3/Exec/GA/default.htm?BT_TX=1&ProspectID=8289431BF5BC49478648B92A43DF07A8


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

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

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

Amazing travel benefits await you:

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

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


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

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

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

Amazing travel benefits await you:

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

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

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

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

New User Question Deals
g: 0 Posted By: FatWallette
Views: 181 Replies: 0
Save up to $820 when you book a flight + Walt Disney World® Resort Hotel + theme park ticket vacation package Book 5/7-5/19 Save up to $50 when you book a Las Vegas flight + hotel vacation package of $800 or more use coupon MAYLASBook 5/13-5/26 Save up to $200 when you book a flight + Hyatt® Hotels & Resorts vacation package of $1,500 or more use coupon HYATT200Book 5/13-5/19 
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available!  Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
Travel Deals Deals

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

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

Where would I actually get this?

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

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

Do you want to feed the family supermarket brand foods that are free of harmful chemicals but don't have time to read labels?

Do you want to start cutting chemicals from your families diet but don't know where to begin on how to do it?

Well this cookbook is for you!

In this cookbook you will get the following:

- Lists of the types of foods to eat and avoid
- Recipes to make your own versions of common store bought foods and meals
- Lists of chemicals to avoid and what they do
- A 12 step how to guide on how to cut the chemicals from your diet
- A comprehensive shopping guide on brands that you can buy today that are free of bad additives and preservatives
- Printables to help you plan your weekly menus.

The real gem of this cookbook is that it lists all the most common food brands that you can buy in your supermarket today that are healthy for you and free of nasty chemicals, unsafe colors and flavors.

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

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

This cookbook details the foods to avoid, the chemicals to avoid and then lists the safe basic pantry items every home should have and all the pre-packaged foods that you can buy from your supermarket today that are safe to eat.

No label reading required - we've done all the hard work for you!



Superfoods for the Brain - 102 Nutrient Rich Foods To Strengthen Your Mind & Improve Your Memory
http://www.amazon.com/gp/product/B00FRHSSAK/

Improve your memory, mental health & focus with Superfoods!
Nature's best defence against age related diseases and mental decline is with nutrient rich foods...
What if you could improve your cognitive functioning, memory, focus, mental health and mood by changing the way you eat? What if, by incorporating this special class of foods known as "superfoods" you could reverse the effects of aging and mental wear and tear to achieve greater brain health and potential?

No, superfoods aren't lab-created, artificially fortified, bionic substances designed by science to replace foods or help you reach your maximum mental and physical potential. It is so much simpler than that. These foods, rather, are the very best of what nature has to offer - the richest sources of vitamins, nutrients, anti-oxidants, phytonutrients, polyphenols, fiber and other health promoting elements.

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

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

* Fruits

* Grains

* Oils

* Proteins

* Herbs & Spices

* Vegetables / Salads

* Other Sources

˃˃˃ Superfood Recipes: Weekly Planner
... You will also find a "Weekly" Superfoods recipe planner using the foods that are talked about throughout, so you will never be stuck for ideas on what to prepare from these highly nutritious Superfoods.

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

Good news! The free preview of Showtime that I reported DirecTV getting last month is also going to be shown on AT&T, Cable One, Century Link, Comcast, Cox, Dish, Mediacom, RCN, and Verizon.
Check the listing here to see exactly what Showtime programming youll be getting. Some providers are only showing Showtime while others are including On Demand and Showtime Anytime.
This free preview of Showtime is to promote the series premiere of Penny Dreadful. Django Unchained, Silver Linings Playbook, and The Impossible are a few of the movies playing.
Movies & Music Deals
g: 0 Posted By: FatWallette
Views: 107 Replies: 0
Save up to $200 on family vacations with any Southwest Vacations flight + hotel package use coupon FAMILYVACAExcludes Las VegasBook 5/6-5/19 Save up to $60 when you book a flight + hotel vacation package to Reno/Tahoe use coupon RNOSUMMERBook 5/6-5/26 Save up to $350 to Nassau, Paradise Island when you book a flight + Hotel vacation package use coupon NASMAY100Book 5/6-5/19 
More Offers from Southwest Airlines Vacations
1.5% Cash Back Available!  Use of coupons without FatWallet's Cash Back designation can void Cash Back.  Cash Back reported after travel is completed.Cash Back not available through "Air Only" or on Activity Only purchase.Cash Back not valid in conjunction with promotion codes or offers found outside FatWallet Cash Back designated coupons or southwestvacations.com.For Cash Back to apply, you must link to Southwest Vacations from a Cash Back link or offer available on this website.Gift Card Details: Cash Back not available on purchase or redemption of gift cards.Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email 
Travel Deals Deals

Southwest Airlines Vacations Coupons
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00BLQJIZA

4.8 out of 5 stars (6 customer reviews)

Report Writing Skills Training Course How to write a report and executive summary, and plan, design and present your report. An easy format for writing business reports. Lots of exercises and free downloadable workbook from www.uolearn.com. This book makes report writing a step by step process for you to follow every time you have a report to write. Margaret's understanding of how people read and remember gives a unique view of the process of report writing. This book brings you her tried and tested training techniques to make planning, writing and presenting a report straight forward. It's all about the reader. How to set objectives using 8 simple questions. Exercises to help you enhance your skills. Easy to follow flow chart giving a step by step method for writing the report. Fun to use planning tools. Free downloadable workbook available from http://www.uolearn.com. What is an executive summary and how to write one. Types of reports and how to structure them. How to layout the report. Help people remember what they read. About the author - Dr Margaret Greenhall As a chemistry lecturer Margaret helped her students learn study skills, including report writing. She then moved to the University of Manchester helping other lecturers to implement novel teaching and learning methods. As well as her PhD in science, Margaret has also been awarded a Masters in Education. In 2003 she started her own business, training people in a wide range of skills, including improve your memory, speed reading, mindmapping and report writing. Her background in science brings a logical and simple approach to her training and writing that gives very easy recipes for you to follow. What do people think of Report Writing Skill Training Course? Very useful, it has given me a great number of useful tips and information. This will help me to organize and structure my work in a logical way. I will now have a structure to use when preparing future reports and I will feel much more confident in doing this. I now understand how important preparation is when writing a report. The list of eight questions is fantastic, I will always use this for my reports from now on. Very informative and useful. These techniques can be applied in my work straight away. Extremely interesting and useful - vital preparation if you need to write reports for work.
Totally Free Deals
Data Breaches from "Unnamed Retailers" Remain HIdden
Added on : Monday May 05th 2014 05:00:08 PM
g: 0 Posted By: web1b
Views: 38 Replies: 0 Back when then Target an Neiman Marcus and later, Michaels were reported to have had credit card data stolen, it was also reported that others were also breached but these other retailers have elected to keep it secret.
Even Target was planning to hide it until it was disclosed by a security blogger, the press found out an they were then forced to announce it.
http://www.reuters.com/article/2014/01/12/us-target-databreach-r...

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

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

Is that really a good enough excuse?

Isn't there some point where they must let their customers know what happened and that their credit card info is at risk?
Discussion Deals
g: 8 Posted By: MISTERCHEAP
Views: 1440 Replies: 5 Buy 3 Neutrogena Facial Cleansing Bars, 3.5oz - $2.99 each-

(1) $1.50/2 Body Wash or Bar Soap CVS Coupon Machine (SCAN YOUR CARD BEFORE SHOPPING!!)
Pay: $7.47
Get $10 ECB
Get a FREE Tote Bag ($9.99 value)
as low as FREE + $2.53 moneymaker after coupon & ECB


IS IS ADVISED EVEN THOUGH IT IS REPORTED THAT THE LIMIT IS SIX OFFERS of this deal, that you do the deal ONE AT A TIME so you can a) check your recipt that you havent' maxed out in case they cange the limit and 2) to roll your ECB from order to order if you choose to to limit your OOP.
Health & Beauty Deals

CVS Coupons
g: 0 Posted By: ctgolfer
Views: 81 Replies: 0 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
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Weight: 2.3 pounds
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Packaging: Retail

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Mortgage rate shopping - multiple pre-approval letters recommended?
Added on : Saturday May 03rd 2014 03:00:05 PM
g: 0 Posted By: pocketwallet
Views: 236 Replies: 4 My wife and I are looking to buy a home this year and since it'll be our first place I am trying to learn the fatwallet way!

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

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


Thank you!

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

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

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

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

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

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

Thank you very much.

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

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

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


Thank you!

Real Estate Deals
10th year of a disputed debt--4th collections agency
Added on : Thursday May 01st 2014 11:00:07 AM
g: 0 Posted By: k0k0p0p
Views: 94 Replies: 0 Okay, so I admit I haven't done everything right and I am a little lazy and haven't kept the best records. Where does the statute of limitations lie? If you read ahead, they are are threatening civil suit already at $500 fines
I had a T-Mobile cell phone and TN address when I got an internship in Europe for a year. I could cancel my service at any time

June 4th, 2004: Called T-Mobile, cancelled phone service, provided my parents US address, paid amount owed + estimated rate for the day over the phone, got on the plane-gone for a year.

June 4th, 2005: Parents had not received any mail or bills from T-Mobile
Jan 2006: Moved to Florida, still TN resident for student status
Jun 2007: Bought a house in FL, no issues on credit report (TN resident)
Oct2009: Got an apartment near new jobin SC, stillTN resident(background check), forwarded mail

Oct2009: 1st Contact by first Credit Agency about $75 debt to T-Mobile. Called T-Mobile, but they had no evidencewhat it was for,justconfirmed I had a phone that I must have owed them for. Called the Credit Agency back and said I needproofin the form of a statement that this debt exists. Told them to only communicate by mail. Received another "notice" and a couple phone calls.
Jan 2010:Sent a registered letter to 1stCA requesting documented proofthat I owed the debt, and do not contact me again byphone, yada, yada,... No response.

Jan 2011: Still in SC, new place with forwarded mail,changed toFL resident

Jun 2011: Moved toLouisiana, new apartment,new credit agency with the apt. background check.New spouse asked me todeal with it. made same calls as before but T-Mobile no longer receptive. "That account was forwarded to a credit agency years ago"
Jan 2012:Bought House in Lousiana withspouse, debt collectionsshowed up on my credit report, but I was too busy/lazy to deal with it. didn't make a dent in my credit.
Jan 2013: Louisiana Resident. 3rd collections agency, or maybe the name changed. started sending the same letters. I called and asked for proof that I owe a debt, in writing, and exactly what it was for, do not call me, ever. sent final notice or this would go on my credit report. ended by February, except for one last letter in August.

Sep 2013: relocated to NC for spouse's job. forwarded mail.

March 20 2014: got half a voicemail from an agency threatening toserve me papers at work" in an effort to collect a debt". all I had was their outgoing number, and I don't respond to harassment, anyway.( I get these on my work phone all the time for random people, so I wasn't sure it was for me anyway)
April 28 2014: They called my sister and threatened her that if I did not contact within the hour they would be serving papers at my work. She called my spouse with all the information because I was in a meeting.I told her and my spouse not to worry--that it is harassment and I'll get to it.
May 1 2014: My spouse grew impatient, called today while I was going home to call. Since he said he was my spouse and had the numbers they gave my sister, they told him that it was T-Mobile debt, they would be filing a civil suit and are serving papers to my Mother-In-Laws house in TN. If I am not there to be servedthree times in a row they will add $500 to the $575 they say I now owe them.

Now I'm peeved. Anybody know a good harasser/lawyer in TN or wherever this could be heard?
Bottom Line: I owe nothing. I paid everything I owed upon cancellation of my contract.. I gave a forwarding address for final balance, and never got anything. I overpaid that final bill, just so there would be no issue, and they waited till my bank statements wouldn't be available to sell to a collections agency. I've been harassed on and off for about 5 years over a debt from almost 10 years ago. These guys are malicious and they just started. Nationwide Systems, I think is the name.





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

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

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

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

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

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

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

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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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



The Home Health Aide Textbook
http://www.amazon.com/gp/product/B00EBMED6U

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

Very truly yours, Diane Thompson Receiver, American Pension Services


Frequently Asked Questions

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

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

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

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

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

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

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

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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

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

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

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

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

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

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

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

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

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

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

Atul kumar
Ok

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

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

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

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


Any suggestions going forward?

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




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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?
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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?
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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.
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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
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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?


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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.
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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
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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.
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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...)

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