Home » Search "strategy" Results

strategy hot deals search results



 1 2 3 4 5 6 7 >  Last ›
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
Financial considerations of lasik eye correction surgery
Added on : Monday July 21st 2014 06:00:05 AM
g: 0 Posted By: JrcWy
Views: 200 Replies: 4 I'm thinking about getting lasik to correct nearsightedness I've had since childhood. I wouldn't base such a decision solely on price but want general advice and tips from the FWF crowd with experience in this area. I've considered the strategy of loading an FSA in advance to cover the cost tax free. What are opinions on the warranties offered to touchup later on? Do you have to incur the cost of regular check-ups to get this option? Is a doctor that is offering some unique or new technology with a price premium worth it or is a lot of this just a way of harvesting money over the standard procedure? Are there any ongoing costs you didn't foresee?

More than these questions, I'm just looking for advice and thoughts you might have with your (now 20/20) hindsight that I haven't even considered.
Personal Finance Deals
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Speed-Math-Bible-electronic-mathematical-e...

How about a book that will explain you how mathematics can give you countless strategic tools to let you earn more money, do better and better at work, improve your study, get back into shape and be always at your best?

How about a book that can show you how to bring destiny on your side in gambling games like Poker and Blackjack just with a couple of mental sums?

How about a book that can easily teach you to sum, divide, multiply even between 5-figure numbers in 10 seconds?

Well how about taking a look at "The Speed Math Bible"? Directly from the years-long research of two software engineers, a revolutionary book that will show you mathematics from a completely new point of view. You'll rapidly learn how to perform extremely complex calculations within a few seconds, you'll acquire precious key-competencies for the academic and business world and you'll see how many priceless strategic tools for the everyday life can be built just by using the simple mathematics you learnt at school. Game theory, Probability Theory, Vedic Mathematics, War strategy, ancient cultures and modern studies will weave themselves together in a volume you'll hardly forget and you'll always want to keep in your library!
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B0084JDD44/

Here are the chapters in Volume I. They'll give an idea of how far this segment will take you:

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy

Hype...

The radically new information is in Volume II and III, but there's new stuff mixed into "the fundamentals" that I've never seen in print.

The riddle of five and six...
What they didn't tell us about penetration...
How to calculate blackjack frequency...
How to convert the true count to the quarter deck in two deck...
How to convert when a fourth or half deck is burned off the top...
Another look at those "other players"...
Advantage doubles as distance is halved...
Standard deviation simplified...
How long we can be behind...
Depth charging taken a few steps further...
Lousy MassMutual 401k options strategy
Added on : Friday July 18th 2014 03:00:05 PM
g: 0 Posted By: Krazen1211
Views: 336 Replies: 9 Background:

Me: 27, financially stable, own a home. unmarried, no kids. Philadelphia metro.

I'm enrolling in a new 401k plan at a new job.

1. Match up to 5%. 100% vested.
2. ~13% of salary/bonus annually takes me to the IRS limit.
3. I already have an IRA at vanguard that I cap out each year.
4. I don't need the 8% of income for expenses, so if I don't 401k that money, it would be going towards some sort of taxable investment.
5. 25% marginal tax bracket this year. 28% next year.
6. (almost certainly) no in service withdrawal.

So, the plans are all awful. 2-2.6% expense ratios annually. Various assortment of large caps, small caps, Target retirements. Apparently Massmutual is beingsuedfor this kind of thing.

There might be one exception. I see a 'fixed account' fund that states that it provides a 'fixed' 3% return, presumably after all fees/expenses. Of course that particular fund looks like its the subject of the lawsuit.

I see this clause in the documentation, which I am trying to figure out what it means.

Certain special rules apply to the Fixed Account investment option upon contract discontinuance. If your employer discontinues the contract and moves the plan's
assets to another provider, amounts invested in the Fixed Account may be subject to a market value adjustment, which may alter the amount paid at
discontinuance based on the formula set forth in the contract, or may be paid out over a set period of years as specified in the contract. Please contact your
employer for more information.


So, what's the strategy here? The 11k tax deferral is a use it or lose it type of thing; I can never get 11k income tax deferred in future years if I bypass it now.

1. Put 5% in, and head for the taxable world.
2. Put 17.5k into that 'Fixed Account', take the 3%, and figure out the above clause.
3. Put 17.5k into whatever set of investment options I would otherwise pick, eat the fees, and roll it out whenever I move on.
4. Profit
Question Deals
Lousy MassMutual 401k options and strategy
Added on : Friday July 18th 2014 12:00:06 PM
g: 0 Posted By: Krazen1211
Views: 65 Replies: 0 Background:

Me: 27, financially stable, own a home. unmarried, no kids. Philadelphia metro.

I'm enrolling in a new 401k plan at a new job.

1. Match up to 5%. 100% vested.
2. ~13% of salary/bonus annually takes me to the IRS limit.
3. I already have an IRA at vanguard that I cap out each year.
4. I don't need the 8% of income for expenses, so if I don't 401k that money, it would be going towards some sort of taxable investment.
5. 25% marginal tax bracket this year. 28% next year.
6. (almost certainly) no in service withdrawal.

So, the plans are all awful. 2-2.6% expense ratios annually. Various assortment of large caps, small caps, Target retirements. Apparently Massmutual is beingsuedfor this kind of thing.

There might be one exception. I see a 'fixed account' fund that states that it provides a 'fixed' 3% return, presumably after all fees/expenses. Of course that particular fund looks like its the subject of the lawsuit.

I see this clause in the documentation, which I am trying to figure out what it means.

Certain special rules apply to the Fixed Account investment option upon contract discontinuance. If your employer discontinues the contract and moves the plan's
assets to another provider, amounts invested in the Fixed Account may be subject to a market value adjustment, which may alter the amount paid at
discontinuance based on the formula set forth in the contract, or may be paid out over a set period of years as specified in the contract. Please contact your
employer for more information.


So, what's the strategy here? The 11k tax deferral is a use it or lose it type of thing; I can never get 11k income tax deferred in future years if I bypass it now.

1. Put 5% in, and head for the taxable world.
2. Put 17.5k into that 'Fixed Account', take the 3%, and figure out the above clause.
3. Put 17.5k into whatever set of investment options I would otherwise pick, eat the fees, and roll it out whenever I move on.
4. Profit
Question Deals
g: 0 Posted By: DizzyT71
Views: 191 Replies: 1 GameStop has theUsed Metal Gear Solid V: Ground Zeroes for Xbox One$9.99 with free store pickup.

Same price for Used Metal Gear Solid V: Ground Zeroes for PS4

THE POWER OF FOX ENGINE - Ground Zeroes showcases Kojima Productions' stunning FOX Engine, a true next-generation game engine which revolutionizes the Metal Gear Solid experience.
INTRODUCTION TO OPEN WORLD DESIGN - The first Metal Gear Solid title to offer open world gameplay. Ground Zeroes offers total freedom of play: how missions are undertaken is entirely down to the user.
UNRESTRICTED STEALTH - Imagine classic Metal Gear gameplay but with no restrictions or boundaries. Players use intelligence and cerebral strategy to sneak their way through entire missions, or go in all guns blazing.
MULTIPLE MISSIONS AND TASKS -Ground Zeroes boasts a central story mode and Side-Ops missions ranging from tactical action, aerial assaults and "covert" missions that will be sure to surprise.
REDESIGNED INTERFACE - Ground Zeroes users will benefit from a clean in-game HUD that shows the minimal amount of on-screen data to give a more intense gaming experience.


Xbox One:
Compare at Amazonfor $20.98 shipped.
Metacritic Review​: Metascore: 76, User Score 5.2

PS4:
Compare at Amazonfor $22.98 shipped.
Metacritic Review: Metascore: 75, User Score 5.8

Video Games Deals

GameStop Coupons
g: -1 Posted By: puddonhead
Views: 142 Replies: 9 I'll keep the specifics to a minimum to keep the identity of the "close acquaintance"in question safe. Its no fun to have your boss find out that you are looking around.

A "close acquaintance" of mine is considering moving from his current job. His current job is stressful (in one of the typically aggressive industries - think "Strategy Consulting" or "Investment Banking" etc.).

He/she has two job offers - both in middle management.

Offer 1 is from an old school company that has a low stress culture. It's closer to home (less than 30 minutes commute). This place is supposed to offer very good for work life balance. The industry vertical is unfamiliar. He/She is pretty much done after doing a 9 to 5 stint daily (except for rare emergencies).

Offer 2 is in something this person has always done (i.e. another high stress job) - but pays about 20% higher. He/She is currently unavailable (either commuting or working) from 6am to 9pm due to work - and accepting this offer will continue that. It has a longer commute.

What are the factors you consider when evaluating two very different job offers like that. Is it possible to quantify things?

1. If we calculate the total lifetime value of the difference - then compounding (raises, bonuses) will magnify the current 20% difference to a huge number.
2. How do you put a value against quality of life? Have you faced similar choices and what have been your decision?

I'm interested in your thoughts, comments, or even better - stories - because I see this same thing playing out for me sometime soon. I can either continue doing what I do now (high stress), or find one of the low six figures "just another IT guy" (i.e. relatively low stress) jobs in the old-school organizations that are in abundance near where I live.
Personal Finance Deals
g: 0 Posted By: xpcppc
Views: 156 Replies: 0 18 rolls
12 rolls
No special coupons required. Amazon, for example, sells 18-packs for ~$35 (shipped) right now.
Just under $1/roll. Over $50 (e.g., 3x18 = $54 rolls) for free shipping to home; otherwise $5 for shipping.
Home & Garden Deals

Walmart Coupons
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
401k Investment Options
Added on : Sunday July 06th 2014 09:00:11 AM
g: 0 Posted By: furlongce
Views: 77 Replies: 0 I need to decide where to put my investments in my 401k. I have always been a fan of the Vanguard LifeStrategy Growth Fund, but unfortunately that is not an option. The 401k is with fidelity, and I have to choose between the following:
Name Ticker Symbol Fund Code Fidelity Money Market Trust Retirement Money Market Portfolio FRTXX 0630 DFA Inflation-Protected Securities Portfolio Institutional Class DIPSX OUTW American Century Investments Government Bond Fund Investor Class CPTNX OLAG PIMCO Total Return Fund Institutional Class PTTRX OF1P Vanguard Total Bond Market Index Fund Signal Shares VBTSX OKVY . MFS Massachusetts Investors Trust Class R3 MITHX OUCL Vanguard Institutional Index Fund Institutional Shares VINIX OFVH Fidelity Low-Priced Stock Fund FLPSX 0316 Spartan Extended Market Index Fund - Fidelity Advantage Class FSEVX 1521 Wells Fargo Advantage Small Cap Value Fund Institutional Class WFSVX OKWB Fidelity Contrafund FCNTX 0022 Neuberger Berman Socially Responsive Fund Institutional Class NBSLX OLEA Morgan Stanley Institutional Mid Cap Growth Fund Class I MPEGX OFMW American Funds EuroPacific Growth Fund Class R-5 RERFX OQVQ Invesco Developing Markets Fund R5 Class GTDIX OUAW Spartan International Index Fund - Fidelity Advantage Class FSIVX 1522 Cohen & Steers Institutional Realty Shares CSRIX OSQO Ivy Science and Technology Fund Class I ISTIX OLSZ PIMCO CommodityRealReturn Strategy Fund Institutional Class PCRIX OSCV T. Rowe Price Health Sciences Fund PRHSX OFN1 Fidelity BrokerageLink BLNK

Fidelity Freedom Index Income Fund - Class W FIKFX 2216
I would like to choose funds that would imitate the Vanguard LifeStrategy Growth Fund. What would you recommend? I am also having to decide whether or not to open a traditional 401k or a ROTH 401k. I will be contributing to a ROTH ira (LifeStrategy Growth Fund) in addition to whichever 401k option I decide to go with.


Thanks in advance for your time and help, I appreciate it.

- Chris

Investing Deals
List of Banks/CUs "Good" To Have For Various Reasons
Added on : Thursday June 26th 2014 05:00:10 AM
g: 0 Posted By: robronson
Views: 183 Replies: 1 In the past, opening a bunch of new bank accounts in a short period time was not a problem. In modern days, it can lead to adverse action as data mining/aggregation is more widespread, government anti-money laundering rules are stricter, and banks view this as risky behavior. Further, the account opening bonuses for many banks are becoming either non-existent, or much smaller. Thus, it may make sense to pre-plan opening a smaller number of bank accounts as small bonuses become available, not for the meager bonus money, but for access to the account. This could be for rate-chasing purposes or for access to best-in-class products one institution may offer over another.

For example, NFCU offers amazing 0% fee BT deals. They also, on occasion, offer a small bonus to sign up ($20 I think). It's a good idea to have an NFCU account (if you're eligible), but if you don't need one right now, it makes sense to wait for the next $20 account opening promo, and then just sit on that account until the next BT deal. That allows you to maximize the bonus while spacing out the account opening to look less suspicious.

Another example is Barclays. They seem to offer really high CD rates. I'm not currently in the market for a CD, but I may be next year, so I'm looking for any small bonus to open an account with them. I'm in no rush to do so, because I am at least 1 year out from needing to buy a new CD, so I have the luxury of waiting for the small bonus, and spacing out the account opening from other accounts.

The purpose of this thread is two fold:

1) To discuss whether this is a worthwhile strategy.

2) To make a list of banks and credit unions for us to keep an eye for bonuses that might not be worth the Chex inquiry/hard pull for the $20 bonus, but might be worth having the account for actual use, and free money is free money.

If the consensus is this a good idea, we can keep the quick summary updated with links to other FWF threads as small bonuses arise for any worthwhile banks/CUs.

I'll start:

Alliant Credit Union - offers a meager signup bonus on occasion. Has decent rates on HSAs and checking/savings account. Used to be one of the highest rates of any bank, has gone down over time, but is still very respectable and in the top quartile.

Navy Federal Credit Union - amazing credit card BT deals. Offer an obscenely high credit limit to people who probably don't deserve it, which could be you.


Deposits Deals
Free Kindle Book - The Definitive Guide To Apartment Marketing
Added on : Tuesday June 24th 2014 07:00:09 AM
g: 1 Posted By: remick
Views: 185 Replies: 0 http://www.amazon.com/gp/product/B00D5G1TDI

In this incredibly in-depth guide to Apartment Marketing, Josh Grillo (of Resident360.com) gives an amazing amount of detail on pretty much everything you need to know for increasing leads, leases and retaining more residents at your apartment communities.

From the basics of handling negative online reviews to advance strategies of converting more prospects into leads from your apartment websites.

A must have reference guide for apartment owners and property management companies that want to get the most out of their marketing.

With Definitive Guide To Apartment Marketing you will learn:
How focusing on traffic, conversion and service can increase your occupancy and NOI
The seven points that make up a good apartment marketing strategy
How to schedule more community tours and close more leases
One strategy that can give you an immediate boost in apartment reviews and ratings
How and when to ask for resident testimonials
The key components that make up a good apartment website
How to drive more traffic to your apartment website
How to stay in front of your website visitors after they leave your website
The most profitable marketing tools that generate the largest amount of leads and leases
Do not miss this blueprint for increasing leads, leases and retaining more residents at your apartment communities.
Totally Free Deals
g: 1 Posted By: robronson
Views: 118 Replies: 4 From my understanding of federal student loan debt that is discharged after 20/25 years (depending on your plan), you become liable for income taxes on the amount forgiven. While I don't expect this to remain once people's student loans start getting discharged in 10 to 15 years under these relatively new plans, because people won't be able to pay income taxes on a phantom $300k of student loan debt (after 25 years of compounded unpaid interest on a $50k to $100k principal) and will get their elected officials to change the law.

However, we can't prepare for that, and reading a thread on FWF tonight got me to learn about avoiding income taxes on discharged debt through "insolvency tests". I did some googling and read this IRS information here:

http://www.irs.gov/publications/p4681/index.html#en_US_2013_publ...

To summarize, it looks like the IRS will perform this insolvency test to determine whether you have to pay income taxes on those $300k of forgiven student loans in 20 years. Simply put, the test looks to see how much debt you had forgiven compared to your assets, and whatever the difference between the two numbers (liabilities minus assets) determines how much of the forgiven debt you need to pay taxes on.

Unfortunately, and VERY UNFAIRLY, the IRS counts retirement assets as assets. Which is ridiculous because $100k in a 401k isn't worth $100k. It's worth maybe $80k after you pay taxes on it. And if you had to withdraw it early, with a penalty, it's worth maybe $50k to $60k depending on your marginal tax break. Thus, the purpose of this thread is to strategize ways to make the insolvency test work in your favor because as written, it's very much against you.

Much like Medicaid fraud, I mean Medicaid asset protection, you probably don't want to start doing these things in the year your debt will be forgiven. So while the earliest any of us might possibly be forgiven for debt is still probably 10+ years out (since this plan didn't start until the early 2000s), it's worth thinking about in advance.

Here's some random ideas that may work:

1) Buy a house. As expensive as the bank will lend you money for, with as little down payment as possible, leading up to the debt forgiveness. It appears that the liability of the house counts in the liabilities column. So if you buy a $200k house with $40k down, then you now have $160k in Liabilities and $40k in assets for a net Liability of $120k.

2) Start converting 401k into Roth IRA in the years leading up to the loan forgiveness. Pay the taxes owed on the conversion out of the 401k money if necessary. Pay a penalty if necessary. You will get hosed for every $1 you have in your 401k or Traditional IRA because they will count every 60 cents to 80 cents in actual value (after you distribute the money and pay taxes/penalties) as $1. Since $1 of a Roth IRA is worth significantly more than $1 of a Traditional IRA or 401k, but the asset test counts the dollars the same, it may be worth converting even if it pushes you into a higher marginal tax bracket.

3) AOR BT Time, if those still exist in 10+ years. That's debt. If the cash vanishes, maybe because you went to Vegas, then the cash isn't an asset. But the BT is definitely a liability.

4) Borrow money from friends/relatives. Make it official. Notarized contracts. These are all liabilities.

5) Prepay for things you can prepay that won't count as assets. Prepay your child's education or daycare. Etc.

6) Combine strategies. Don't just have a notarized piece of paper that says you borrowed $300k from your best friend a week before the loan discharged. No one will believe that. But if you have a $100k left on a mortgage, $5k owed to your cousin, $20k on credit cards BTs, convert all of your 401k to Roth IRA over a few years, then the total strategy looks legit on a whole.

Curious to hear people's ideas on these. I don't feel bad for discussing them because (a) the concept that the IRS will tax you on income you didn't get and (b) the concept that they'll count your 401k assets as $1 for $1 are so totally biased against you that anything and everything is fair game, as long as it's legal. Ethics no longer applies.

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 1 Posted By: wisegremlin
Views: 122 Replies: 0 Amazon has Sid Meiers Civilization IV: The Complete Edition (PC) for just $11.59. According to BuyerNinja, the price dropped over $20 just in the past day or so, and has never been at this level for at least the last three months, possibly never before.

This is one of the greatest strategy games of all time, with aMetacritic score of 94 and user score of 8.2.

To be honest, I can't believe you can get such a great game for this cheap. Grab it while this deal lasts!
Video Games Deals

Amazon Coupons
g: 0 Posted By: dear591
Views: 162 Replies: 0 Hi,

I am looking for carpet washer and happened to look into this deal in WalMart seems good.So i thought i would be good to shareBissell ProHeat Pet Advanced Upright Deep Cleaner with Your Choice of Bonus Stick Vac
http://www.walmart.com/ip/Bissell-ProHeat-Pet-Advanced-Upright-D...
g: 0 Posted By: timothytuxedo
Views: 14 Replies: 0 I'm hoping for some guidance on what my investment strategy should be. Currently a junior officer in the military with no plans to stay in for 20 years (but anything is possible).

My wife also works and has access to a 403(b). We're both young professionals and anticipate we will move into higher tax brackets as our careers progress. Based on my understanding we are eligible to invest in:
-her 403b
-her Roth IRA
-my thrift savings plan (either Roth or tax deferred up to a combined limit of $17,500)
-an additional Roth IRA for me

Right now we're putting $5500/year each in her Roth IRA and my Roth TSP and splitting the rest of our retirement investments between my tax-deferred TSP and her 403b. I didn't realize until recently that we could theoretically invest significantly more in Roth accounts ($5,500 each in two Roth IRAs and another 17,500 in a Roth TSP).

My questions:
-is this in fact the case?
-if so, should we be maxing our all the Roth options before using a tax deferred investment vehicle?

I figure we'll only have access to the Roth for a few years because we'll soon exceed the MAGI for Roth IRA eligibility and the Roth TSP will only be an option for as long as I remain in the military. I don't want to lose the tax break, but most of the research I've done suggests young people in the lower stages of their earning careers (ie us) should take full advantage of the Roth. Thoughts?
g: 1 Posted By: brettdoyle
Views: 326 Replies: 5 Is it possible to convert a short term capital gain into the dividend tax rate?

Let's say someone has $10,000 in short term capital gains that will be taxes at their marginal tax rate (Let's say 28%). Then that individual goes out and buys 10,000 shares of a stock that has announced a dividend payment. Company XYZ costs $50 a share is going to pay a dividend of $1. The investor buys a share of the stock on the Ex-Dividend date and holds it through the record date, thus getting paid the dividend. The share price of the stock is revalued at $49 to account for the dividend payment that went out (assuming no market volatility for those 3 days the shares are held).

So now the investor theoretically would sell his 10,000 shares at $49, having a $1 capital loss per share. The $10,000 capital loss would offset his $10,000 capital gain turning it to $0 come tax time. Rather than paying $10,000 short term capital gain at 28%, he could now pay $10,000 on his dividend income at 15%.

Does the IRS or Brokerages have any rules in place to prevent an individual from doing a strategy like this? Are there any other downsides?
Investing Deals
g: 0 Posted By: brettdoyle
Views: 95 Replies: 2 Is it possible to convert a short term capital gain into the dividend tax rate?

Let's say someone has $10,000 in short term capital gains that will be taxes at their marginal tax rate (Let's say 28%). Then that individual goes out and buys 10,000 shares of a stock that has announced a dividend payment. Company XYZ costs $50 a share is going to pay a dividend of $1. The investor buys a share of the stock on the Ex-Dividend date and holds it through the record date, thus getting paid the dividend. The share price of the stock is revalued at $49 to account for the dividend payment that went out (assuming no market volatility for those 3 days the shares are held).

So now the investor theoretically would sell his 10,000 shares at $49, having a $1 capital loss per share. The $10,000 capital loss would offset his $10,000 capital gain turning it to $0 come tax time. Rather than paying $10,000 short term capital gain at 28%, he could now pay $10,000 on his dividend income at 15%.

Does the IRS or Brokerages have any rules in place to prevent an individual from doing a strategy like this? Are there any other downsides?
Investing Deals
g: 1 Posted By: roger2724
Views: 326 Replies: 24 Newly constructed condos/townhouses in my state are required to have a certain percentage of "affordable housing". The only requirement for this particular property was that you need to make under $49,000 to be eligible and be able to get a mortgage. They run a lottery for these properties as there is huge demand, and I just so happened to win. I am 27, went to college and have a reasonably good job making $45,000 a year, which I expect to increase a bit.

Since I won, I ambeing given the opportunity to purchase a nice 1bedroom condo for $90,000 which is a great deal as other units (which are also 1 bedroomsbut a little biggerand have a balcony)in the same complex are selling for 3x that number. So obviously I willbuy it. There are no restrictions once Ibuy the condo other then that it must be my residence. If I meet a girl she can move in, no impact as my income increases, etc. My monthly payment is going tobe around $850 including taxes and HOA.

The only "catch" is that it will alwaysbe "moderate income housing", so there will notbe much appreciation in the value of the home. It was originallybuilt in the mid 90s and has been sold twice since then. It seems to appreciateabout $1500 in value per year, on average. I do want to get married, have some kids andbuy a regular 3 or 4bedroom house once that happens at some point down the line.

How should I handle this as far as a down payment, paying extra on the mortgage, etc? What do you think the optimal play is here?
Personal Finance Deals
g: 0 Posted By: remick
Views: 31 Replies: 0 https://offers.visit.io/promo/t/c_603c1ff44e1c9ab8709f305867f97053e2944dbc

Born from BANDAI NAMCO Games fighting game pedigree, the teams behind Tekken, SoulCalibur, and Gundam Extreme VS unite to bring Rise of Incarnates to life. Rise of Incarnates features ground-breaking 2 vs. 2 gameplay, a multitude of characters and roles, and battlegrounds throughout shattered yet accurately rendered real-world cityscapes. These diverse character types and roles, each with unique skills and powers, appeal to a variety of play-styles while accommodating expansive team dynamics and strategy. Players employ sharp reflexes, mental resolve, and strategic insight as they run, jump, and fly through 3D arenas, engaging in both close-quarters combat and long-range assaults.
Players take the role of Incarnates, humans that command untold mythical powers as they vie to avoid tragedy and reshape the course of their world. Due to their special abilities, Incarnates are both feared and loathed by the general population while being persecuted by the authorities that want to harness and use their power for their own nefarious needs. One day, a mysterious voice calls out to the Incarnates telling them the only way to avoid certain destruction is to destroy the Sovereign of this era. It is here that the battle for dominance amongst Incarnates begins and the fate of life on Earth hangs in the balance.
Strategy on buying 2 homes
Added on : Thursday May 29th 2014 02:00:07 PM
g: 0 Posted By: dxulab
Views: 253 Replies: 10 Currently I'm renting an apartment. I have $250k cash. Initially I wanted to buy a new construction with all of the cash. But I just saw a 2010 home for sale for ~$200k. I'm thinking to buy this home with $200k cash and rent it out. Use the remaining $50k cash as 20% down payment for the new construction, get a 30-yr loan, and hope that the rental income will pay for the mortgage of the second home, which will be my primary residence.

Zillow calculator tells me the monthly mortgage payment (including tax/insurance/HOA) is ~$1300 and I think the 1st home will generate similar amount of rent, so ideally they will break even. My job is relatively stable with ~$3600 monthly income. I want to pay off the 1st home because I want to avoid 2 mortgages and keep things simpler. What do you guys think of this plan? Any potential risks? What are the tax implications? Any suggestions and comments are highly appreciated.

Real Estate Deals
Using HELOC for mortgage acceleration.
Added on : Wednesday May 28th 2014 09:00:08 AM
g: 0 Posted By: lovelovingdeals
Views: 121 Replies: 4 Hi,
This topic has been covered in the past, but I could not find any active threads on it. I wanted to make sure I am interpreting/applying the principles of using HELOC to accelerate mortgage payments correctly for my case.

1. I have a 25 years remaining and 98 K balance on a 6% fixed mortgage for an investment property. The property should be appraised at 170K, so I will have an equity of 70K.
2. If I get a 4% HELOC on 56K (80% of 70K) and use it to reduce the premium on the mortgage to 42K. If I leave my mortgage payment unchanged, I should be able to payoff the mortgage in 10 years from now instead of 25.
3. My normal checking+emergency fund account has a balance of 35-45K, and I can move it to the HELOC account to minimize the interest I am paying on HELOC.

Would the seasoned finance gurus here recommend this as a sane strategy. Or am I missing something here. What type of Heloc programs would be best for this strategy.
Personal Finance Deals
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
Cubicity - puzzle game download - free on Desura
Added on : Tuesday May 20th 2014 03:00:05 PM
g: 0 Posted By: keithdt
Views: 154 Replies: 0 I think this is just for a limited time, but I don't know for how long.

http://www.desura.com/games/cubicity

Cubicity is a 2D physics-based puzzle game. You play the role of Seamus, a curious guy who can't seem to keep himself out of trouble. Help him figure out how to make it home in one piece!
Cubicity offers unique gameplay: Seamus can't fly, but he never touches the ground. Instead, he hangs by a rope and harness as he maneuvers his way through 60 challenging levels across 5 worlds. He'll need to acquire new weapons and learn new strategies in order to solve the increasingly difficult puzzles that block his path. Part action/adventure, part puzzle/strategy, you'll need to be both smart and quick-fingered to reach the end. Are you up for the challenge?
Features :
1- 60 levels.
2-Five different worlds with different weapons.
3-Support of xbox controller.
4-Achievements system.
5-Supports HD graphics, 1080p+.
Totally Free Deals
Pre-Paying Taxes As A Form Of Asset Creditor Protection
Added on : Sunday May 18th 2014 06:00:06 PM
g: 0 Posted By: robronson
Views: 125 Replies: 1 This is my first year being self employed as my full-time gig where I'm making a lot of money (by FWF standards I'm probably poor but by POTUS standards I'm wealthy). I'm very careful with my assets from a creditor protection standpoint for a variety of reasons, primarily because they overlap with my tax planning needs (401ks are both creditor protected and tax efficient).

This is my first year that I'm basically forced to keep large sums of money (10s of Thousands of Dollars) in reserve to pay my quarterly taxes. I know it's overblown but I feel queezy with $20k sitting in a checking account, easily seizable or freezable by anyone with a BS lawsuit consider I have never left more than $1k in there. (My "emergency savings" is not in my checking account and is not seizable).

Here's my tentative strategy for dealing with it. Segregate one of my checking accounts to ONLY be used to pay taxes from. I use it for no other reason. Like most FWFers, I have several from various opening promos or for reasons such as a CU that offers good CCs. I designate one checking account to be used for tax purposes only and I keep my $20k+ in there to pay taxes from.

In the event that I'm involved in a situation that could result in a lawsuit, I immediately pay the taxes from that checking account. The taxes may not be due. And the taxes may even be too much compared to how much I've earned so far in the year (but won't be too much for what my total liability at the end of the year will be). Once I use the money to pay the federal government, I highly doubt a judge would rule this as an fraudulent conveyance and reverse the money back from the federal government. In fact, I think the chances of that are zero. Even if a crazy judge ordered it, the IRS would still have to comply and send back my tax payment to my new creditor. Yeah, right.

The downsides here are if I am segregating an account just for taxes, then it can't be a high yield rewards account because those accounts need debit transactions would means I'm comingling this account for other purposes. And if I'm not getting any yield of return, I might as well pay the taxes as soon as the money comes in, if I'm worried about leaving it in my checking account. Then again, Alliant has a decent yield with no rewards account requirements.

I could probably get Alliant to open a second checking account for me just for this reason and the account can be used solely for tax payments so if it comes down to a judge accusing me of fraudulent conveyance, I can point to the history of the account and prove that I intended it to be used for taxes.

I'm sure I'm overthinking this and $20k sitting in a checking account unprotected isn't a big deal. Does this plan seem farfetched?
Tax Deals
Europa Universalis IV Flash Sale - $9.30 (was $40) @ GamersGate
Added on : Friday May 16th 2014 12:00:03 PM
g: 0 Posted By: mmax
Views: 175 Replies: 0 Gamersgate is running a flash sale on the digital download of Europa Universalis IV a grand strategy game by Paradox. This deal is for MAC, Windows, and Linux and requires Steam.

This game has received universal praise from critics, it holds a 87on MetaCritic and a 9.0on Gamersgate.

This is a flash sale, and this deal will expire in 13 hours from the time of this post. This is a great price!

Deal URL:

http://www.gamersgate.com/DD-EU4/europa-universalis-iv
Video Games Deals
Risk in Accepting Current Company's Counter?
Added on : Thursday May 15th 2014 01:00:05 PM
g: 0 Posted By: Kevo171
Views: 104 Replies: 2 I currently make $80k including salary and ~25% yearly bonus. I've been recruited into a role in a different industry with an offer of $95k +10-15% yearly bonus. Total yearly cash would be in the $105-$107k range.

My current company is a mobile company with a startup vibe- lots of people in their 20s and 30s (I'm 28). Catered food. Beer fridge, etc. If I need to stay late dinner gets paid for by the company. When I travel, I stay at really nice hotels. The other company is a bit more traditional (web, but not mobile) and slightly farther away (10 more minutes each way). Benefits are good in both places. The new role offers a small equity position that I don't currently have. New company also prides themselves in work-life balance and apparently it is rare to stay past 5pm.

My current company hasn't been performing as well recently (I worry that bonuses will dwindle in the future), so I expected that they wouldn't counter. However, afterI brought up the offer to my current company they are working on a retention package.

FWF, do you think that there is too much risk in staying at my current role even if they match my offer given that my company might think I have one foot out the door?

Edit to add- I really enjoy my current coworkers and I have a great relationship with my boss. I regularly hang out with coworkers outside the office. High level strategy has caused some issues recently and we aren't as profitable as we once were, so I worry about the long term stability of my current company.
Question Deals
Interesting strategy to deal with a collection account
Added on : Wednesday May 14th 2014 06:00:08 PM
g: 0 Posted By: Silverthunder
Views: 39 Replies: 1 Here is my situation:
I was being careless/ somewhat silly with a small balance that I owed Comcast. First, I was keeping it around so that I could run .01-.10 charges through the account to satisfy rewards checking account requirements. Then, paying it was on my to-do list for a long while. Then, I was going to call them and get them to remove the late charges and then pay the balance. Finally got around to calling them today. It's Comcast and I am getting nothing but the runaround from them. All along, Comcast wasn't sending me bills or collection threats which is what made me too laid back about the whole thing.

I am pretty concerned that this collection account will hit my credit and affect my ability to open a lot of new credit cards like I enjoy doing

the first rep that I spoke to said that it's in Comcast's internal collection department. I told them I will pay it if you first send me something in writing that you will erase/ not report it if I pay in full (need them to send before I make a payment). No luck with that. I got them to have a supervisor call me. Supervisor was no help. Next, I called back and got someone one the phone that said that the account had been turned over to a collection agency. However, there are 5 or 6 ones that they use and he didn't know which one. He gave me the name of 2 of them. I called both of them; one I left a message for and the other one doesn't get any business from Comcast.

Since the collection account is a small amount, I think that I will probably just pay Comcast. This might "pull" the collection account back to Comcast and that way it never was a collection account. I don't believe that Comcast's internal collections department will report to the credit bureaus (this is what the 3rd Comcast rep that I talked to told me & I have personally seen over 1000 credit reports of people that live in an area that Comcast serves and I don't think I have ever seen Comcast reporting directly except for a credit pull).

If I do hear from a collection agency, I have multiple lines of defense. interestingly enough, one of them wont be "oh, I already paid that to Comcast" as they may just change it to a collection account with a 0 balance.
Discussion Deals
g: 0 Posted By: ArtieLange
Views: 86 Replies: 0 Turner Licensing Green Bay Packers 2014 12" x 12" Team Wall Calendar $2.26 free pickup at Wallmart

http://www.walmart.com/ip/Turner-Licensing-Green-Bay-Packers-201...



Specially designed for the die-hard fan, Turner Licensing presents the ultimate Turner Licensing Green Bay Packers 2014 Wall Calendar! Your favorite players are displayed in vivid action-packed images along with player bios, team trivia and noteworthy NFL historical dates every month. And it gets better: a "pro-stats" page is included featuring team stats and past results, and the 2014 team's season schedule is presented along with the bonus months of September through December 2013. The spacious 12" x 12" calendar grid lists major U.S., Canadian and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month. This Turner Licensing Green Bay Packers 2014 Wall Calendar is an absolute must-have for football fans!
Turner Licensing Green Bay Packers 2014 12" x 12" Team Wall Calendar:

Vibrant, fully loaded, action-packed wall team calendar
Has player bios, team trivia and noteworthy historical dates listed each month
Bonus page featuring team record holders and past results is included along the extra months of September through December 2013
Spacious calendar grid lists major U.S., Canadian, and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month

Books & Magazines Deals

Walmart Coupons
g: 0 Posted By: ArtieLange
Views: 91 Replies: 0 Turner Licensing New England Patriots 2014 12" x 12" Team Wall Calendar $2.26 free pickup at WalMart

http://www.walmart.com/ip/Turner-Licensing-New-England-Patriots-...



Specially designed for the die-hard fan, Turner Licensing presents the ultimate Turner Licensing New England Patriots 2014 Wall Calendar! Your favorite players are displayed in vivid action-packed images along with player bios, team trivia and noteworthy NFL historical dates every month. And it gets better: a "pro-stats" page is included featuring team stats and past results, and the 2014 team's season schedule is presented along with the bonus months of September through December 2013. The spacious 12" x 12" calendar grid lists major U.S., Canadian and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month. This Turner Licensing New England Patriots 2014 Wall Calendar is an absolute must-have for football fans!
Turner Licensing New England Patriots 2014 12" x 12" Team Wall Calendar:

Vibrant, fully loaded, action-packed wall team calendar
Has player bios, team trivia and noteworthy historical dates listed each month
Bonus page featuring team record holders and past results is included along the extra months of September through December 2013
Spacious calendar grid lists major U.S., Canadian, and religious holidays while also providing a convenient glance at the dates of the preceding and succeeding month



Books & Magazines Deals

Walmart Coupons
Mortgage Bridge Loans
Added on : Tuesday May 13th 2014 04:00:11 AM
g: 0 Posted By: raymondanthony
Views: 97 Replies: 2 So there is a local talk radio I listen to and every week they have a guy on name Jordan Goodman. He is always pushing these Mortgage Bridge loans. Basically you loan small companies money thru a broker and get 6% a year back.They are supposed to be super safe. Here is the info I received:

Ray--So glad to help you out here! Since we cant speak during the day, I will give you a bit more background on the mortgage bridge loans. If you would like to discuss it further I would be glad to speak to you from home if you want to call me at 914-347-2463.
The Mortgage Bridge loans that I mentioned are super-safe and yield 6% and you get your money back in 9 to 12 months. Meanwhile they pay out a monthly income which you can take or reinvest. There is no maximum amount you can invest and you can invest as many times as youd like. The minimum investment is $25,000. All of the money you invest earns 6% interest since there are no commissions or fees subtracted from your capital. The sponsor of this investment earns a small spread on top of the 6% which is how they cover their expenses and earn a profit.
There are several reasons why the mortgage bridge loans are so safe:
1.The company putting these deals together does extensive financial underwriting of the commercial real estate borrower to make absolutely sure they are in great financial position to be able to repay the loan interest and principal as agreed. In many cases, they have dealt with the same borrowers for many years and have a long track record with them.
2.You as the lender are placed in first position on the mortgage note so you have priority over any other creditors and are fully secured.
3.The commercial property is appraised conservatively by an independent appraiser.
4.The maximum the borrower is allowed to borrow is 30%- 55% of the propertys value (example 50% loan-to-value ratio (LTV)) so there is plenty of equity to fall back on in the super- unlikely case that the property had to be foreclosed on. If the loan exceeds the 12 month mark, your interest rate will double in the 13th - 15th month to 12%.
5.The company putting the deal together guarantees in writing that it will make all payments of interest and principal to you, the lender, in case the underlying borrower does not make any interest or principal payments when due. There is also a reserve fund already set aside with millions of dollars to make those payments even though it has never been used.
6.The mortgage bridge loan does not trade,and therefore your principal is always safe and you get your principal back in 9-12 months. In contrast, you may earn a 6% yield from a stock, bond or mutual fund, but that security can drop in value far more than 6% quickly, wiping out the net impact of the yield you receive. Your stock, bond or mutual fund may never recover so your principal is not secure.
If you have an IRA or Roth IRA or SEP IRA or any other tax qualified plan you can roll it over to a self directed IRA at Provident Trust which is set up to handle mortgage bridge loans and use the money to invest in the Mortgage Bridge program.
The people I trust to send my listeners to are Ted Leutz and Lynette Robbins, Founders at The Knowles System, LLC, a complete financial strategy company. They are both in their 60s and have been doing this for many years. Ive sent my listeners to Ted and Lynette over the past several years and have had only wonderful feedback for their safe programs and strategies. Their phone number is 888-518-3113 X 2. Commercial Properties are limited to availability so I suggest you call The Knowles Team ASAP for more information and availability.
Knowles Systems, LLC may also ask you to sign a Non Disclosure Agreement (NDA) which assures you that any data you give them will be held in complete confidence and privacy, and it also assures them that if they put in huge amount of time, effort and expertise to come up with a plan that you like, that you will implement it through them.


Does anyone have any input on this?
General Economics Deals
Buying businesses for fun and profit?
Added on : Monday May 12th 2014 01:00:07 PM
g: 0 Posted By: SegaRob
Views: 135 Replies: 1 I made a good income this past year and got a big tax bill, so I've talking around to try to find ways to reduce my tax burden. A friend suggested buying a business with a tax-loss carryforward and use the losses to offset my income. He had never done this before, but said he knew people who bought large carry-forward for pennies on the dollar. So in theory, you could buy a bankrupt business with $100,000 in tax-losses for about $1,000 and saving ~30% on the tax deduction for tax savings of $30,000. After doing a little research, it seems like this is a well-known strategy but the paperwork and accounting is not as straightforward as the idea makes it seem. Moreover, trying to find such businesses for sale hasn't been very easy.

On the other hand, while looking for businesses to buy for tax-loss purposes, I found tons of profitable businesses that are selling for less than the yearly cash flow, implying a ROI >100%. Obviously this sounds too good to be true, so I imagine they probably have a catch. Maybe not as profitable as they claim, maybe hidden debt obligations, maybe owner spends day and night running the business. Clearly, anyone would have to do their due diligence before buying anything. There are multiple sites on the internet for these business for sale. This is one example: http://www.bizbuysell.com.

Does anyone have any thoughts, advice, experience with either of these ideas?
Question Deals
g: 0 Posted By: DizzyT71
Views: 333 Replies: 0 Newegg has theTt eSPORTS CONKER Cloth Gaming Mouse Pad EMP001CLS on sale for $16.99 - $11.00 MIR = $5.99 with free shipping.

Oversized mouse pad provides the users with unlimited real estate to dominate different type of games.
Low-friction surface engineered to enable ultra-smooth and high-speed mouse movement perfect for Real-Time Strategy (RTS)
Rubber-based anti-slippery base grabs and holds onto most surfaces to ensure gaming accuracy.


Limit 1 Per Household.
Rebate is valid from 04/25/14 to 05/19/14.

Next lowest price on Google Products is $20.13 shipped from a rated merchant.
Computers Deals

Newegg Coupons
g: 0 Posted By: bballa27920
Views: 116 Replies: 0 Receive $15 back when you purchase any Crock Pot brand Slow Cooker along with Hawaiian Luau and Apple Bourbon BBQ Campbell's Slow Cooker Sauces
Crock Pot$15.92
Campbell's Slow Cooker Sauces $1.98 Each
*If you clip manufacturer coupons there is a $0.75/2 Slow Cooker Sauce available from 3/23 SS
Pay 21.33 after tax (without coupon)
Receive $15 back from Ibotta (Deposited to Paypal)
Total OOP: $6.33
Home & Garden Deals

Walmart Coupons
The Fundamental Investment Discussions Thread
Added on : Wednesday April 23rd 2014 10:00:10 AM
g: 4 Posted By: dshibb
Views: 143 Replies: 1 This thread needs to be created separately from the Individual Stock Discussions thread.

The Individual Stock Discussions thread has been overrun by:

Day Trading
Insane volume of options trading
Excessive turnover
Pop culture herdstocks like GOOG, AAPL, AMZN, NFLX, FB, etc.
A gambling culture

This is likely due to the fact that those that day trade the most and care the most about minute by minute prices will post the most. For this reason, I'm creating this thread to separate out a discussion about individual investments that are longer term in nature.

Reason for Creating Thread

Like it or not, there are a lot of people coming to FWF looking to know where to invest money without reading much before. This is evidenced by all of the "What do I do with $x" threads.
Like it or not, many wont agree to "set and forget" index or mutual funds for all of their money
Maybe others will agree, but I don't like the only thread here devoted to individual positions being one that shows day trading exclusively in a Yahoo message boards sort of way.
If FWF is going to have discussions about individual investments/trades than it will be an improvement to also foster a thread focused on longer term ideas than just short term activity.
I think that the current Individual Stock Discussions thread fosters an image of active investing asbeing sexy, simple, and thoughtless.Thislikely encourages novices to fall into a false, naive sense of security about trading. A longer term focused investment thread would likely produce the opposite effect of discouraging novices from actively picking positions by displaying investment selectionas hard, complex, time consuming, dry, and dense.

What this thread is not

This is not a thread for extolling the virtues of index funds there is an entire forumBogleheads,devoted to that.
This is not a thread to just post each and every buy or sell order you execute
This is not a thread to drop your opinions on each and every quarter about whether abc company will surprise higher or lower
This is not a thread to repeatedly post pricing activity on positions because such short term pricing should be irrelevant to the discussion


A few notes

Unless quoting and discussing previous ideas all new ideas should involve longer posts typically written in thesis form
Investment ideas can involve any asset class, an entire sector, country, strategy, pair, etc. The only criteria is that:

It bespecific enough to discern a unique viewpoint from the general market and thencommunicate that
That it be for a viewpoint that that has at least a half a year time horizon

An example of a solid initial idea postwould involve ( in practicecover as many as you can):

A discernible investment idea
A time horizon by which you are looking at the idea (i.e. many ideas can be both bad in lets say a6 month time horizon andgreat in a 3 year time frame)
A clear summary rationale as to why it is represents an attractive investment to make
A series of facts, numbers, etc. that back up thethesis
An acknowledgement of what risks you are intentionally choosing to bare
Metrics or fact pattern by which you see the thesis as playing out as suspected
Pitfalls you see that could prevent the thesis from playing out and why you think they wont happen
What you define as a successful realization of your thesis and subsequent exit strategy
A general explanation as to how much the ensuing circumstances would have to deviate from your thesis in order for you to drop the thesis



Maybe this will work. Maybe this will flop, but given how the Individual Stock Discussion thread has gone I thought this was worth a shot.

Investing Deals
Free Kindle Book- Crushing Low Stakes Poker Volume 2: Heads-Up
Added on : Friday April 18th 2014 06:00:07 AM
g: 0 Posted By: remick
Views: 40 Replies: 0 http://www.amazon.com/gp/product/B00JE1ZEY8

The Crushing Low Stakes Poker series is for anyone who:
is interested in making a nice side income playing online poker;
is new to poker or a beginning/intermediate player;
is looking for solid strategy advice to consistently crush low stakes poker games.
Learn How To Crush Low Stakes Games

Most poker books are written by professional poker players who play at the highest stakes. The same goes for most of the video content on poker training sites. Whereas you can learn a lot from studying that material, it wont always be as useful to you when youre mainly playing at the low stakes. Playing low stakes games against beginning and recreational players requires a whole different strategy and approach than playing high stakes games against the best of the best. The Crushing Low Stakes Poker series is focused specifically on low stakes play and teaches you the proper strategy to crush low stakes games.

Volume 2 of the series deals with heads-up play and covers heads-up fundamentals, theory and strategy. We will take a close look at important topics such as hand reading, manipulating ranges and post-flop play on different board textures. We will also cover common playing tendencies of low stakes opponents and how to take advantage of them. Becoming familiar with your opponents weaknesses and learning how to develop effective counter strategies, will give you the edge you need in low stakes games.

Improve Your Tournament Results

Heads-up skills are essential to achieve good tournament results. There is a significant pay jump in tournaments from second to first prize so mastering heads-up play will make a big difference to your win rate.

Heads-up is not the easiest form of poker. It requires you to play a lot of hands and you will often face difficult post-flop decisions. This book explains heads-up strategy in a practical and easy to follow manner, providing you with the tools you need to master those tough one-on-one poker battles. So whether you play heads-up Sit n Gos or multi-player SnGs/tournaments, Crushing Low Stakes Poker Volume 2 will be of value to you.

Includes Push-Fold Charts and Example Hands

Included in the book are push/fold charts for heads-up play. These charts let you make mathematically correct endgame decisions so you can maximize your winnings. Throughout the book you will also find multiple example hands with detailed analysis to illustrate important concepts and strategy.
Best Strategy to pay future wife's student loan debt
Added on : Wednesday April 16th 2014 03:00:06 PM
g: 0 Posted By: sullim4
Views: 63 Replies: 1 Basic situation:

Me:
Age 29
2013 AGI: $165k (software engineer)
Only debt is a 15 yr fixed mortgage @ 2.875%, 231k remaining balance, 14 yrs left
$40k in company stock, dividends are roughly 3% per year
$65k in liquid savings
$162k in 401(k) (78% or so is Roth)

Her:
Age 27
2013 AGI: $58k (civil engineer)
Student Loan Debt: $6k private loan @ 6.5%; $22k consolidated sub Stafford @ 6.1%; $26kconsolidatedunsub Stafford @ 6.1%; $12k Perkins @ 2.8%; $3k Perkins @ 2.5%; $7k parent PLUS loan that dad is responsible for, but she's paying on @ 5%. She is on IBR right now.
$10k in liquid savings
No other debt
$10k in 401(k) (0% is Roth)

We are getting married at the end of May. We will be combining finances at that time; due to mutual religious beliefs we currently live separately. Her parents didn't help her out at all with her education and so she's saddled with a ton of student loan debt. I want to figure out the best way to pay down this debt and I have a few ideas that I'm throwing around, and would like advice on what the best strategy might be. When we marry, obviously the student loan deduction goes out the window (she's currently taking the full $2500 per year). We plan on lopping $10k off of the loans via her liquid savings once we get married.

Option 1:
Live off my salary, and use her salary to exclusively pay off the loans in order of highest to lowestinterest rate. This would amount to payments around $3200 per month, and by my calculations, would pay off the loans in a little over 2 years. The con to this one is that I'd like to max out her 401(k), her company match is 15% of all contribution... andfollowing thisoptionwould take a big chunk out of what we could put towards loans.

Option 2:
Combination of selling stock and taking money out of savings, pay off loans now, and simply pay my savings back over a 2-3 year period. This puts our liquid cash fairly low and I'd rather hold onto the money, but that is hard to justify given the paltry interest rates I'm earning and what the loans cost to hold.

Option 3:
Take out a loan against my 401(k) to pay off her loans, and then pay it back with interest, probably throwing more than the minimum at it. I think the market is headed down this year, so I might be sheltering my money against a correction by doing this. I feel secure in my job, so I don't think it is likely that I will need to pay the balance immediately in the case of a layoff.

Option 4:
Jump on some 0% APR bandwagons, balance transfer the student loans over to the cards, pay off remaining balances with stock/savings, and pay cards off by the time the 0% expires. The con here seems to be BT fees, though the Chase Slate seems like an appealing option here.

Any other thoughts?
Personal Finance Deals
g: 0 Posted By: jackstone
Views: 92 Replies: 0 I am not certain if I will get red for this question but to me it is a rather difficult one to assess. Would appreciate your help on this and am happy to provide additional relevant info.

Getting a severance package from my current job (for a lump sum) and already have another one lined up, so not worried about job security for the present. A nice problem to have admittedly.

Quick disclosure, I already have 3 rental properties but they each have loans on them. The business model is working and I have no major issues with property management.

Ultimate question - use severance package to pay off student loans in full and still have some severance package cash lying around, or use an FW strategy to maximize long term net worth and earning power to offset student loan cashflow by purchasing rental property in full?

The question the wife and I are debating: We have about 56K in student loans combined between us, with an average interest rate of about 4.75% - a few are above 6% so I could see some arguments to pay at least those ones off. The monthly cost for our student loans is about $750 which I agree is ridiculously large. I could use this severance to vanquish the loans and eliminate the albatross of student debt once and for all. I would still then have close to enough cash lying around to possibly pursue a rental property downpayment and have a 4th mortgaged property, or could just throw it into a global stock index fund.

But all else equal, I am rather confident that I could locate a property that if purchased with cash, would offset the student loan cash flow completely, because the rental properties I already have (with loans on them) rent for higher than that monthly loan outflow, even after adjusting for property management fees, maintenance, etc; of course I have to pay mortgage expenses on the current 3 properties, so this would only work if I could find a property that I could FULLY pay - understand that some FWs might tell me to triple down and get three more mortgage properties instead of a single cash one. I will seriously consider taking money out of the cash paid for house after the rent and monthly expense situation is steady (let's say a year in) and then use it to buy another house with cash. The depreciation offset will also help in a big way until the student loans are due to be paid off - currently a mix of expiry, with most ending in 2019. Obviously once the student loans are paid off my cashflow situation dramatically improves - so 5 years out or so except for 1 of the loans (about 1/3 of the outstanding debt but at 3.5%) expiring in 2029.

Other considerations:

We always max out our Roth IRAs - may start to become inelgibile for Roth within the next year or two.
I have maxed out my 401k for two straight years and should be able to for the forseeable future. Wife's story a bit different but hope to at least come close to maxing by 2015.
Have another partnership that owns one triplex in a different geographic area, that has been a bit more challenging than the 3 rental properties I currently have - point is I have somewhat high exposure to real estate, though spread across 3 geographies.
Have a (what I will call) middle sized liquid stock portfolio, as well as auto monthly DRIP with 4 companies.
We will be moving, and there are often start up costs associated with that, but my new job's compensation should cover the difference in cost of living.
We have an infant daughter, and we will definitely need to start planning for school soon!

Thank you very much!
Personal Finance Deals
g: 0 Posted By: remick
Views: 160 Replies: 0 http://www.amazon.com/dp/B00HMT7IWU


Learn Killer Craps Strategy In Record Time!
So your bags are packed and you are ready to meet with all your buddies in Las Vegas, Atlantic City or any other casino you might be heading to. Maybe you are heading to sunny Florida, or the Foxwoods in Connecticut, but that really doesn't matter. What matters is that when you see your friends this year you will be a winner...

Today only, get this Amazing Amazon book for just $2.99. Regularly priced at $4.99. Read on your PC, Mac, Smart Phone, Tablet or Kindle Device.

Remember last trip when you were the biggest loser of your group of friends in Vegas? This year that won't happen. Because when you learn these proven winning strategies your Craps game will undoubtedly line your pockets and have your buddies begging you to teach them your winning ways. Picture all of your friends who made fun of you last year, begging you for the answers this year.

The purpose of this book is to help you answer the age old question of how to beat the house at their own game. So make this year the year, or even this week the week, that you go to the casino and you're the one on top.
Download these proven strategies for beating the casino in the game of Craps and you'll be truly happy you did. Just follow the simple steps and you will be on your way to high payouts.
Totally Free Deals
Dominion Strategy Card Game - Amazon 24.99 FS w/Prime
Added on : Saturday April 05th 2014 11:00:05 AM
g: 0 Posted By: RedCelicaGT
Views: 182 Replies: 0 Amazon is selling Dominion, a strategy card game (there is no board), for 24.99. FS with prime.

This is probably one of my favorite games. It is relatively easy to learn, and has enough variation in it to keep it fun and interesting for a long time.

Linky
Tracktor Price History

=13pxFrom the manufacturer:
You are a monarch, like your parents before you, a ruler of a small pleasant kingdom of rivers and evergreens. Unlike your parents, however, you have hopes and dreams. You want a bigger and more pleasant kingdom, with more rivers and a wider variety of trees. You want a Dominion. In all directions lie fiefs, freeholds, and feodums. All are small bits of land, controlled by petty lords and verging on anarchy. You will bring civilization to these people, uniting them under your banner. But wait. It must be something in the air, several other monarchs have had the exact same idea. You must race to get as much of the unclaimed land as possible, fending them off along the way. To do this you will hire minions, construct buildings, spruce up your castle, and fill the coffers of your treasury. Your parents wouldnt be proud, but your grandparents, would be delighted.

Game Deals

Amazon Coupons
Dominion Game - Amazon 24.99 FS w/Prime
Added on : Saturday April 05th 2014 10:00:07 AM
g: 0 Posted By: RedCelicaGT
Views: 124 Replies: 0 Amazon is selling Dominion, a strategy card game (there is no board), for 24.99. FS with prime.

This is probably one of my favorite games. It is relatively easy to learn, and has enough variation in it to keep it fun and interesting for a long time.

Linky
Tracktor Price History

=13pxFrom the manufacturer:
You are a monarch, like your parents before you, a ruler of a small pleasant kingdom of rivers and evergreens. Unlike your parents, however, you have hopes and dreams. You want a bigger and more pleasant kingdom, with more rivers and a wider variety of trees. You want a Dominion. In all directions lie fiefs, freeholds, and feodums. All are small bits of land, controlled by petty lords and verging on anarchy. You will bring civilization to these people, uniting them under your banner. But wait. It must be something in the air, several other monarchs have had the exact same idea. You must race to get as much of the unclaimed land as possible, fending them off along the way. To do this you will hire minions, construct buildings, spruce up your castle, and fill the coffers of your treasury. Your parents wouldnt be proud, but your grandparents, would be delighted.

Game Deals

Amazon Coupons
Get up to 45% off Top-Rated Strategy Board Games @ Amazon
Added on : Friday April 04th 2014 10:00:03 PM
g: -1 Posted By: ctgolfer
Views: 257 Replies: 0 www.amazon.com/b/ref=gbsl_tit_l-1_0942_d8b60387?ie=UTF8&node=88871...
Toys Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 40 Replies: 0 http://www.amazon.com/gp/product/B0041OT638

Total Quality Management, Leadership & Management Science

Turnaround Strategies for Customer Centric Operations is a turn-by-turn guide for leaders who endeavor in operational restructuring of underperforming organizations. The proposed approaches and suggested strategies, tactics, and methodologies are customer-centric, data-driven, and quality-oriented. This book brings a very structured approach to an otherwise overwhelmingly complex challenge: operational turnaround.

The approach presented is structured strategy: a simple, organized, results-oriented recovery plan, together with decisive, superior execution of such plan, can increase dramatically the chances for a successful and stable operational turnaround and the undeterred progress towards profitability and growth. Essentially a leadership and management science book that reads like a novel and brings easy-to-use tools for transformational leaders regardless of industry, Turnaround Strategies is a handbook for total quality management.
Books Deals

Amazon Coupons
OFFER OVER Free Kindle Book - Volume I - Blackjack Fundamentals
Added on : Sunday March 30th 2014 06:00:10 AM
g: 3 Posted By: remick
Views: 1191 Replies: 1 http://www.amazon.com/gp/product/B0084JDD44

Length: 513 pages (estimated)

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy
Books & Magazines Deals
Free Kindle Book - Volume I - Blackjack Fundamentals
Added on : Saturday March 29th 2014 04:00:08 PM
g: 0 Posted By: remick
Views: 204 Replies: 0 http://www.amazon.com/gp/product/B0084JDD44

Length: 513 pages (estimated)

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy
Books & Magazines Deals
Need brains to strategize for debt payoff
Added on : Wednesday March 26th 2014 11:00:09 AM
g: 0 Posted By: dammitpatrice
Views: 206 Replies: 4 This kind of makes my head spin. I have a lot of credit card debt and am trying to pare it down and save money in monthly payments. Our monthly payments are stretched across too many cards (paying mostly minimum), so I'd like to either pay off or consolidate.

Below is a list of my cards, the total balance, the payments I am making per month, and the approximate interest rate. I have about $1000 to throw at one or some of the cards right away, and then I can transfer up to $8000 of debt to a different card for 0% interest for about 18 months. Is that wise? Just trying to figure out the most effective strategy to start paying down debt while also saving money per month (i.e., if I pay off two cards that I'm currently paying $25 each on and therefore have $50 to pay toward another card, is that better or worse than paying the card that costs $75 per month but has 0% interest?)

What should I put the $1000 toward, and what (if any) should I transfer? Thanks in advance. Please don't judge, I know this is out of control. The good news is, I'm not behind on anything.

Card 1 balance: $600 minimum: $25 19% APR

Card 2 balance: $384 minimum: $25 19% APR

Card 3 balance: $1,800 minimum: 45 17% APR

Card 4 balance: $4,500 minimum: 105 17% APR

Card 5 balance: $207 minimum: $30 15% APR

Card 6 balance: $455 minimum: $40 (0% until Feb. 2015, hence minimum of $40 to pay before promo period ends)

Card 7 balance: $458 minimum: $25 18-20% APR

Card 8 balance: $3,640 minimum: $75 11% APR

Card 9 balance: $4,400 minimum: $1,024***This is a card that I use to pay a certain bill every month. I am paying the total new charges every month ($1024) but can't make progress on the rest of the balance of $4400 and am accruing about $85 of new interest every month. This is the balance I am considering transferring to a 0% card for 18 months.

Card 10 balance: $750 minimum: $75 0% until Feb. 2015s; minimum of $75 is to ensure balance is paid in full by the end of promotional period.
Personal Finance Deals
g: 0 Posted By: jaymanthegreat
Views: 184 Replies: 0 Mainstays Black Student Desk with Optional Office Chair From $44.88

Item Description:
This Mainstays Black Student Desk with Optional Office Chair features a raised shelf that is suitable for a printer and also a convenient drawer. With an adjustable shelf, the Mainstays Student Desk can house a CPU, and the wire management system also gives this student desk with chair a tidy appearance.

Mainstays Black Student Desk with Optional Office Chair:
Mainstays Black Student Desk
Your Choice of Optional Chair
See individual items for complete description

http://www.walmart.com/ip/Mainstays-Black-Student-Desk-with-Opti...
Furniture Deals

Walmart Coupons
Issue in opening chase new checking account with bonus
Added on : Tuesday March 25th 2014 05:00:06 PM
g: 0 Posted By: mgupta001
Views: 97 Replies: 0 So i caught up with chase checking account bonus churn yesterday. Last 4 times i have persuaded my wife as usual to open the checking account to get the checking account bonus and closed the account after 6 months.
This time we reached to the branch with the $200+$200 checking & saving account coupon to open both accounts. After the initial conversation, the banker started with the account opening process. In between she left to call the branch manager. The manager looked up the screen and said she had 3 accounts in the past. for that my wife responded that those must have been closed. The branch manager started looking at few more information on the screen and came back to us that all those accounts were opened with a bonus coupon and was closed right after the 6 months. he mentioned all these are noted on her profile. Then he asked was this for only to get the bonus for which my wife responded no.
he went on asking what makes you open a new account and what is the guarantee you will continue using after 6 months. For that my wife said we are planning to buy a house and wanted to open a saving account for the down payment.
Apparently the BM was satisfied and said the banker to go ahead as we will get 1099 anyway.

After that other banker came over to help us in opening the account. not sure what z wrong with the previous banker, she said she has to leave. but we found she was still there helping other customer when we were leaving. i wrote a check for $17K as i was planning to keep that money in the account to avoid the maintenance fee. I insisted him to print the tracking information for the coupon for which he confirmed to do that. however i couldn't find the tracking information in the final paper work which he handed over to us. I asked him again to print the tracking information for us. Apparently he tried to print the screen but the print failed for some reason. he showed me on his computer that he has redeemed the coupon and we will get the bonus.
when we were leaving the bank, the banker who helped us was giving high five to the manager. not sure why.

Now question is:
1. will she get the bonus? we do have the coupon which the banker used for the account opening. In worst case we will call him and inquire.
2. Is the churn over for her. She is anyway totally pissed off and most probably wouldn't be opening the account again. Is it a good idea to keep the account open now on as she may not be able to open a new one later on?
the banker was asking her to apply for the credit card as well as she was pre-approved. she didn't take that offer.
3. I am also about to open the similar account in few days. what should be my strategy?

DataPoints:
1. my wife doesn't have any other relation with chase .. i.e. no credit card
2. This is the same branch she used in past to open her last 3 accounts.
3. I have chase freedom & sapphire card.


Credit Deals
g: 5 Posted By: remick
Views: 1046 Replies: 0 Developing Your Assertiveness Skills and Confidence in Your Communication to Achieve Success, How to Build Your Confidence and Assertiveness to Handle Difficult Situations and People Successfully
http://www.amazon.com/Developing-Assertiveness-Confidence-Commun...

4.9 out of 5 stars (8 customer reviews)

Would you like to be better at communicating your ideas and feelings? This book will provide you with the tools and techniques to become a more assertive communicator. It is full of practical tips, case studies and exercises, which can be found at http://www.uolearn.com.These will build your skills and change the way you communicate to help you achieve your goals. There are different types of behavior: high level aggression, low level aggression, submissive and assertive. This book helps you to identify the behavior and develop a strategy to deal with it. There are lots of exercises and suggested techniques that work on developing your confidence and skills when dealing with a wide range of situations. There is advice on choosing the best thing to say and the way to do it. The book gives plenty of advice on how to say no, raise award issues and stand your ground. An important part of being assertive is to prepare yourself for the conversation before it takes places and there is a step by step formula for helping you to do this. Build you confidence, self-esteem and skills to be able to get your point across even when working with difficult situations. There are over 31 practical ideas to help you learn to communicate assertively. About the author - Deborah Dalley Deborah was a trainer with the Greater Manchester Police and lectured at Salford University. For the last 12 years she has been running a successful training, coaching and consulting business. Deborah has been delivering assertive communication workshops for over 25 years for groups in the public, private and voluntary sectors. She delivers training sessions, coaches individuals and facilitates team events that specialize in helping people successfully deal with difficult situations. She is also the co-author of the book Developing your Influencing Skills. What do people think of this developing your assertiveness skills book? This is the first time that I have really understood the difference between being aggressive and being assertive. This has helped me to develop new strategies for dealing with someone at work who I realize uses a lot of low level aggression to get what she wants. Practical and engaging! I have already used several of the suggested ways to say no to great effect so thank you! I always imagined that other people just knew how to deal with difficult situations, I now believe that with practice anyone can manage it. The book has opened my eyes, I feel empowered and ready to take responsibility for my life. I thought this book was excellent, readable and easy to work through.
Totally Free Deals
g: 0 Posted By: pryan67
Views: 157 Replies: 0 link

By far the best price I've found on this safe (really an RSC) anywhere. I ordered the hunter green one yesterday for 690...because the black one was 721...black one dropped in price today (got a price adjustment)


Guns & Ammo Deals

Walmart Coupons
g: 1 Posted By: remick
Views: 164 Replies: 0 Developing Your Assertiveness Skills and Confidence in Your Communication to Achieve Success, How to Build Your Confidence and Assertiveness to Handle Difficult Situations and People Successfully
http://www.amazon.com/Developing-Assertiveness-Confidence-Commun...

4.9 out of 5 stars (8 customer reviews)

Would you like to be better at communicating your ideas and feelings? This book will provide you with the tools and techniques to become a more assertive communicator. It is full of practical tips, case studies and exercises, which can be found at http://www.uolearn.com. These will build your skills and change the way you communicate to help you achieve your goals. There are different types of behavior: high level aggression, low level aggression, submissive and assertive. This book helps you to identify the behavior and develop a strategy to deal with it. There are lots of exercises and suggested techniques that work on developing your confidence and skills when dealing with a wide range of situations. There is advice on choosing the best thing to say and the way to do it. The book gives plenty of advice on how to say no, raise award issues and stand your ground. An important part of being assertive is to prepare yourself for the conversation before it takes places and there is a step by step formula for helping you to do this. Build you confidence, self-esteem and skills to be able to get your point across even when working with difficult situations. There are over 31 practical ideas to help you learn to communicate assertively. About the author - Deborah Dalley Deborah was a trainer with the Greater Manchester Police and lectured at Salford University. For the last 12 years she has been running a successful training, coaching and consulting business. Deborah has been delivering assertive communication workshops for over 25 years for groups in the public, private and voluntary sectors. She delivers training sessions, coaches individuals and facilitates team events that specialize in helping people successfully deal with difficult situations. She is also the co-author of the book Developing your Influencing Skills. What do people think of this developing your assertiveness skills book? This is the first time that I have really understood the difference between being aggressive and being assertive. This has helped me to develop new strategies for dealing with someone at work who I realize uses a lot of low level aggression to get what she wants. Practical and engaging! I have already used several of the suggested ways to say no to great effect so thank you! I always imagined that other people just knew how to deal with difficult situations, I now believe that with practice anyone can manage it. The book has opened my eyes, I feel empowered and ready to take responsibility for my life. I thought this book was excellent, readable and easy to work through.
Totally Free Deals
Free game - Super Sanctum TD (Must Link Your Steam Account)
Added on : Wednesday March 19th 2014 09:00:11 AM
g: 0 Posted By: remick
Views: 144 Replies: 0 https://freegame.greenmangaming.com/

Super Sanctum TD is a retro-styled Tower Defense game that focuses on strategy, customization and replayability. Build advanced mazes and construct powerful towers to prevent alien hordes from reaching the Core! When the aliens swarm your maze and everything seems lost, use active abilities like Air Strike and Freeze to tilt the battlefield to your advantage!

All we need you to do is link your existing Steam account with your Playfire Account, and a copy of Super Sanctum TD will be yours!

Enter your Green Man Gaming/Playfire account details in the form below, and simply wait for an email asking you to verify your Steam ID. If you're not a Green Man Gaming/Playfire user, you can still get involved. Just create a new account by completing the necessary fields, and you'll receive an email detailing the next steps.

(please keep in mind that it may take up to 48 hours to receive the game from when you complete the form below, and that the free game is only available whilst stocks last)
Titanfall (X360 Preorder) + $15 Amazon Gift Card - $59.96 at Amazon
Added on : Wednesday March 19th 2014 07:00:04 AM
g: 0 Posted By: Logician1313
Views: 161 Replies: 0 Titanfall (X360 Preorder) + $15 Amazon Gift Card - $59.96 at Amazon

Normally $59.99, now $59.96 with a free $15 Amazon gift card. This pre-order (due to release on March 25th) contains a digital Prima Mini Guide that contains in-game maps and strategy tips.
Xbox 360 Games Deals

Amazon Coupons
LEGO Super Heroes Superman: Black Escape Play Set $15.00 @ Walmart
Added on : Sunday March 16th 2014 07:00:07 PM
g: 0 Posted By: puggle
Views: 93 Replies: 0 Free in store pick up
http://www.walmart.com/ip/LEGO-Super-Heroes-Superman-Black-Escap...
Toys Deals

Walmart Coupons
Continuing Education for (Fun and) Profit?
Added on : Sunday March 16th 2014 02:00:05 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 While it is not good, I am sure that I am not alone in having student loan debt here on FWF. I am working to pay it down, however, and I have come up with a (likely unoriginal) strategy to reduce my interest payment.

A little background: I attended a private school for undergrad that was paid 50% through tuition reimbursement and then completed graduate studies that was paid for 80% by tuition reimbursement, though I took out some additional loans. All in all, I have about $60k in loans. About 50% of it originated as subsidized loans. Whenever they are set to "in-school deferment" they have subsidized interest, again. I thought that the previous rules for this were for up to 2 years... but my graduate school was just over two years... and that have been completed for over a year now and I am taking a course right now just because I want to... and it is in deferment again.

So, strategy... take a course here and there to get these subsidized loans back in deferment and keep making my payments but stick all of the money in the unsubsidized loans. That is the first item. Now, this course I am taking is out of pocket and not cheap... so it really isn't a good example, but community colleges offer courses that are much cheaper. Alternatively or correspondingly, one could use employer provided tuition reimbursement to pay for the course, then it is free (beyond any "repayment" commitment and time in school). For specific industry certifications, I have to do continuing education anyhow, and this makes that very easy for me.

This got me thinking, though, there are plenty of means for "students" to save money. How could one extrapolate this for maximum savings. So, here is my list so far:

1. In-school deferment of subsidized loans ($~200/month)
2. Amazon Prime Student with Upgrade to Full Prime (now $50/year or ~$4/month)
3. Mobile service discounts (if you don't have an employer discount... many universities have discounts ranging from 15-22%... savings, varies significantly)
4. Gym membership discounts - my local school district has a fitness facility that is open to the public (detached from the schools). Membership is $500/year for non-residents, $200/year for residents, and $80/year for adult students ($30/year for minor students) (savings varies based on what is available for you, $10/month for me).
5. Software discounts (varies) Many schools have discount programs available for students. Also, you may want to check with your employer for "home use" programs. For instance, my employer's home use program with Microsoft allows me to use MS Office for $10 on up to two home computers.
6. Various students discounts at restaurants
7. Special vehicle financing options - We are trading in our Chevy Traverse (at 0%) for a Volkswagen Passat TDI. Volkswagen Group (VW, Audi, Porsche) offers a grad program for that within six months of graduate or two years following graduation best terms financing plus first payment paid on vehicles. We will be getting 0.9%, but the gasoline models would get 0%. ~$500 for the first payment... $130/month (>$1500/year) in fuel savings over the Traverse after accounting for the slightly increased payment. Many automakers have similar programs.
8. Covered continuing education - many licensed professions and various certifications require some form of continuing education. Sometimes there are free options... sometimes they are a pain. Any schooling gets me a CPE per hour of weekly classroom work... for 3 cr hr course gets me 36 hours for the semester. I need 20CPE/year of specific and 40CPE/year overall... this will obviously vary greatly for folks
9. If you are paying out of pocket... you can do the lifetime learning credit on your taxes to "reduce" the expense of the course.
10. Ancestry.com - I think that some universities offer free access to students (mine does)... $20/month... but i would pay for it all of the time anyhow, so not really a savings.

What other options are out there? Things that you normally wouldn't use but the free/discounted rate makes it affordable for you? Things you already use that would become less expensive?
Humble Weekly Sale: Sega Games, Pay what you Want
Added on : Thursday March 13th 2014 08:00:02 AM
g: 0 Posted By: Murrow
Views: 0 Replies: 0 Weekly Linky

The Humble Weekly Sale: SEGA

Spectacularly SEGA. The Humble Weekly Sale features ten amazing titles from the one of the leading interactive entertainment companies, SEGA. Pay $1 or more for the stealthy spy game, Alpha Protocol, the WWII-based real-time strategy game, Company of Heroes, the award-winning strategy game, Rome: Total War, and the eccentric action-adventure platformer Hell Yeah! Wrath of the Dead Rabbit.

Pay more than $5.99 and you'll also receive the nostalgic action-arcade collection, 10 Classic SEGA Genesis Games, the medieval warfare strategy game, Medieval II: Total War, the zombie-comedy fusion typing game, The Typing of The Dead: Overkill, the robot-infested shooter Binary Domain, and the mobile commando game Renegade Ops.

Pay more than $14.99 and you'll also get to master the art of war in Total War: SHOGUN 2!

This deal's a steal. If these games were bought separately, it would cost you more than $150, but we're letting you name your price!

Redeem on Steam. All of these games run on Steam for Windows only. Please check the full system requirements for the games here.

Give back to charity. You choose where your money goes: between the publisher, SEGA, and/or to the following charities, Make-A-Wish Foundation, Special Effect, GamesAid, Whale & Dolphin Conservation and Willow Foundation. For more information on these charities, please click on their respective icons above. If you like this bundle, a tip to Humble Bundle would be greatly appreciated!
International Arbitrage ideas/strategy?
Added on : Wednesday March 12th 2014 08:00:17 AM
g: 1 Posted By: Crooklyn1
Views: 109 Replies: 2 I have enough miles for a roundtrip ticket to an international destination such as China or India. I want to make it aprofitable trip, does anyone have any arbitrage opportunities overseas that one could take advantage of? Something like buy here in US, take overseas and sell or vice versa? Bringing back from overseas may be easier?
Personal Finance Deals
Carcassonne--Gamefly Digital for $3.99
Added on : Monday March 10th 2014 07:00:11 PM
g: 0 Posted By: EffSlickDiQ
Views: 189 Replies: 0 On sale and use coupon code MAR20OFF to get the 3.99 price.

Carcassonne, is not just a city in the South of France, but also a revolutionary strategy game that provides new challenges with every turn.
With every new card you create a landscape with cities, monasteries, roads and pastures.
Place your minions wisely, so that your influence spreads and stays strong resistant to give you the last points needed for victory.
Two to five human or computer players can participate.
There are also four game enhancements to enrich the Carcassonne experience, including rivers, inns and cathedrals, dealers and builders, King and scout.
Thanks to its ingenious design, the impressive artificial intelligence of the computer players and its online community this PC version of the popular board game is a classic!

http://digital.gamefly.com/#!/download-carcassonne/5000043
Video Games Deals

GameFly Coupons
Should i move my stock investment to my parents?
Added on : Friday March 07th 2014 11:00:09 AM
g: 0 Posted By: hhjj134
Views: 33 Replies: 1 I have been doing pretty good in stock market in the past few years. Since I dont have much income as a student and my account was just some small numbers, tax was never a concern even I doubled the account.I started working last year and added some additional fund to stock account. With the work income and investment income start to getting big, I start to think if should change my tax strategy.
My parents has so much less income, so I am wondering if have my parents open an account and trade in there.

Here is our income info.
Myself: $70k
Dad: $26k
Mom: $45k

Assuming assume I make 20k a year. Should i move the investment to under one of my parents' name?
Football Manager 2014 - $13.60 A/C @ Greenman Gaming
Added on : Tuesday March 04th 2014 01:00:02 PM
g: 0 Posted By: hellokitty27
Views: 48 Replies: 0 Greenman Gaming has Football Manager 2014for $13.60 when you use coupon code OQE4LG-WEQPSE-SMCME1 during checkout. You need a Steam account to play.

IGN REVIEW.
g: 4 Posted By: remick
Views: 995 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
Totally Free Deals
Strategic advice/plan for additional rental property purchase
Added on : Monday March 03rd 2014 12:00:11 PM
g: 0 Posted By: skrobo
Views: 75 Replies: 0 Hi FWF, Im looking for some advice on how to align my finances for a purchase of a 2nd vacation rental property. Ive had a lot of success with a vacation rental I purchased 2 years ago, and I would like to add another property to my portfolio, but Im not sure what the best strategy should be.

My current situation:Illinois primary residence condo:
$188k @ 4.75% Market price at about 190k. (paid $260k at the peak of the market)

Florida vacation rental condo $85k left @ 3%. Current value about $170k. Rented in season pays for itself and then some. Strong renter market with confirmed bookings multiple years out.
Employed fulltime: $120k/yr total income$110k in the bankneed a cushion but nowhere near $110k sitting in cash accounts.

Id like to spend about 130-150k for another vacation property near my current property, I full expect this property to pay for itself with seasonal rentals. Financially, whats the best approach and strategy to be in position to purchase another vacation rental in the $130k-$150k. Where should I deploy about of the cash I have saved? Should I pay off one of the mortgages before buying the new condo, or take my cash + HELOC and use that to buy a property out right? Any advice would be appreciated!
Real Estate Deals
The best strategy to negotiate on a home to be built
Added on : Sunday March 02nd 2014 10:00:08 AM
g: 0 Posted By: dxulab
Views: 109 Replies: 0 I'm looking at an empty lot (owned by the builder) in a community. Builder has not listed anything about this lot in MLS yet. I talked to builder's sales rep, picked the floor plan and options/upgrades, and got a quote that includes base price (for the floor plan i like), lot premium and options/upgrades. I've read that I should focus the negotiation on lot premium (it really means nothing other than builder's intention to make more $$ because there is special view or golf course nearby) and options/upgrades (because of huge profit margin). What about make things simpler and just negotiate on the final price by multipling the total sq footage with the average unit price obtained from recent home sales by the same builder in the same subdivision?

What other tactics I can use to get maximum discount?
Real Estate Deals
g: 7 Posted By: remick
Views: 1129 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

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

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

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

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

The Secret to a Successful New Year's Resolution?

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

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 7 Posted By: remick
Views: 1034 Replies: 9 http://www.amazon.com/Hoarding-Compulsive-Collecting--Cluttering...

4.7 out of 5 stars (7 customer reviews)

You're about to discover a proven strategy on how to overcome your hoarding issues for the the rest of your life. Millions of people suffer from compulsive hoarding and throw away their personal and professional success because of these issues. Most people realize how much of a problem this is, but are unable to change their situation, simply because it's been a part of their mindset for so long.

The truth is, if you are suffering from limitations because of your hoarding habits and haven't been able to change, it's because you are lacking an effective strategy and understanding of where your hoarding is coming from and why it is so hard to stop. This book goes into the causes and risk factors of hoarders, signs and symptoms of a compulsive hoarder, and a step-by-step strategy that will help you free yourself from your addiction and help you take control of your life.

Here Is A Preview Of What You'll Learn...

Understanding Compulsive Hoarding
Negative Impact of Hoarding Addictions
The Signs And Symptoms Of A Hoarder
How To Overcome Your Hoarding Issues Once And For All


Totally Free Deals
g: 0 Posted By: remick
Views: 111 Replies: 0 http://www.amazon.com/Hoarding-Compulsive-Collecting--Cluttering...

4.7 out of 5 stars (7 customer reviews)

You're about to discover a proven strategy on how to overcome your hoarding issues for the the rest of your life. Millions of people suffer from compulsive hoarding and throw away their personal and professional success because of these issues. Most people realize how much of a problem this is, but are unable to change their situation, simply because it's been a part of their mindset for so long.

The truth is, if you are suffering from limitations because of your hoarding habits and haven't been able to change, it's because you are lacking an effective strategy and understanding of where your hoarding is coming from and why it is so hard to stop. This book goes into the causes and risk factors of hoarders, signs and symptoms of a compulsive hoarder, and a step-by-step strategy that will help you free yourself from your addiction and help you take control of your life.

Here Is A Preview Of What You'll Learn...

Understanding Compulsive Hoarding
Negative Impact of Hoarding Addictions
The Signs And Symptoms Of A Hoarder
How To Overcome Your Hoarding Issues Once And For All


Totally Free Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Diet-Industry-Lies-That-Weight-ebook/dp/B0...

Everyone knows that Eating Less and Exercising More is the only way to lose weight. The only problem is, that for 95% of people who diet and exercise, this strategy fails miserably. Thats because the cause of overweight is not eating: thats only the symptom. Dieting to lose weight is like removing the glowing check engine light in your car, instead of investigating whats wrong with the motor.

What IF. The entire concept of dieting is flawed? Being over-weight is just a symptom of a different problem, that you alone can reverse!

Why is it your friend can eat all she wants cake, ice-cream, chocolate, carbs and the rest of the food you love but avoid, and SHE doesnt gain weight? Why do you lose weight and then yo-yo back up to past your original weight?

Its not so much what youre eating, but whats eating you. Think about what started you on the path to overweight. The majority of overweight people had a stressful event that precipitated their weight gain. So why would dieting be the solution to get rid of excess weight? It wont! Dealing with the cause is the way to permanently end your losing battle and make peace with your body and food.

This book gives an alternative view to starving, frustrated and depressed dieters who have allowed the Diet Industry to hold them responsible for gaining and re-gaining weight. Stop, blaming yourself because of your inability to maintain weight loss. Learn the key to release yourself from your self-imposed diet prison!
g: 0 Posted By: ArtieLange
Views: 184 Replies: 0 Camillus Western Granpa 2- and 3-Blade Pocket Stag Handle Knife Set Bonus Bundle $9.00 WalMart free pickup

Camillus Western Granpa 2- and 3-Blade Pocket Stag Handle Knife Set


Titanium bonded steel: makes it 3x harder than untreated steel
2-blade pocket knife has: 3.5" clip blade and 3.5" spey blade
3-blade pocket knife has: 2.25" clip blade, 1.5" sheepfoot blade and 1.5" spey blade
Granpa style delrin stag handle
440 stainless steel

Sports & Outdoors Deals

Walmart Coupons
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

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

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

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

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

The Secret to a Successful New Year's Resolution?

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

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 0 Posted By: dxulab
Views: 96 Replies: 1 The first time I visited the builder's sale office was by myself. At that point I already had the community and lot in mind. Prior to that I had email exchanges with this agent and used her for one showing. Because this is my first home purchase and the sales rep told the price would not change regardless if I have an agent or not, I involved her in 2 meetings with the sales rep after my first visit. She also pulled some sales data for me. However, I can see that she is not an aggressive negotiator and her contribution after I make an offer will be fairly limited. I'm thinking about hiring a RE attorney for contract review and negotiation with the builder. The agent is now asking me to sign an exclusive buyer representation agreement, so I'm hesitant and need some advice on the following questions:

1. Because this is a new construction to be built, she did not show me the home. And I visited the sales office first. Does her presence in later meetings still establish a "procuring cause"?

2. I have not signed the buyer's representation agreement yet. Am I in a binding situation?

3. What would be a good strategy to negotiate with her before signing the buyer's representation agreement? Asking her for a commission rebate which I can use to pay an attorney? If she says no, can I "fire" her and get a RE attorney? What are my options?

4. It's hard to find a RE attorney with a broker's license. Any web sites? Without the broker's license, can a RE attorney receive commissions from the transaction?

Thanks!




Question Deals
g: 0 Posted By: isamerican
Views: 11 Replies: 0 If you are into OCR this should be a great book plus you get a bonus $25 off coupon included in the book. The book will be released on May 13, 2014 and has lowest price guarantee.

Pre-order Price Guarantee! Order now and if the Amazon.com price decreases between your order time and the end of the day of the release date, you'll receive the lowest price.Here's how(restrictions apply)



Linky

$18.00 with Free PRIME shipping for hard back
$14.16 for Kindle edition. (not confirmed if coupon is in kindle edition.)About the AuthorJoe DeSena isowner of the Spartan Race,as well asa legend in endurance and adventure racing circleshe completed the 135-mile Badwater Ultra-marathon, raced the 140.6 miles of Lake Placid Ironman, and finished a 100-mile trail run in Vermont,all within one week.
=14pxTwenty-six point two miles isnt enough anymore. Obstacle course racing, which combines the endurance challenges of a marathon with the mind-bending rigors of overcoming obstacles along the way, is taking the world by storm. At the center of this phenomenon is Joe De Sena, the driving force behind the enormously popular Spartan Race. De Sena offers a simple philosophy: commit to a goal, put in the work, and get it done. From that philosophy, as played out first in his own life and now for millions across trails, through mud, and up mountainsides, Spartan Race was born.Now inSpartan Up!De Sena gives you a life strategy guide that takes you out of your comfort zone and into a combat zone. As he breaks down obstacles from his many races, detailing how each parallels real life experiences, you will learn how to:=14px conquer your greatest obstacleyour will
=14px embrace your greatest frienddiscipline
=14px make limitations vanish and establish a new normal
=14px achieve the ultimate: obstacle immunityOther events breed sheep; Spartan Race breeds wolves. Filled with unforgettable stories of Spartan racers as well as hard-won truths learned along the course,Spartan Up!will help anyone reach their full potentialin life, business, relationships, indeed anything one sets out to do. It is the blueprint that takes you right past Go to your finish line.



http://www.amazon.com/gp/product/0544286170/

Books Deals

Amazon Coupons
g: 0 Posted By: ArtieLange
Views: 118 Replies: 0 Shakespeare Kids Choice of Character Complete Fishing Bundle Includes:

Choice of Fishing Combo
Choice of Tackle Box

Shakespeare Kids Choice of Character Complete Fishing Bundle
Sports & Outdoors Deals

Walmart Coupons
The Walking Dead Compendium Vol. 1 and 2 - $25.00 each @ Walmart
Added on : Friday February 14th 2014 01:00:03 AM
g: 2 Posted By: Xenocrates
Views: 264 Replies: 0 The Walking Dead Compendium Vol. 1 and 2 - $25.00 each @ Walmart 
Free Store Pick Up Compendium Volume 2 - $25.00  Free shipping over 50$ Buy both and get free shipping!Also availalable at Amazon for the same price, but no cashback. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Books & Magazines Deals

Walmart Coupons
New home construction the FWF way
Added on : Thursday February 13th 2014 11:00:08 AM
g: 1 Posted By: adamc
Views: 224 Replies: 1 Hi all,

I am about to embark on the construction of a new home. I want to apply FWF strategies to accomplish two major goals: First, and most obviously, I want to reduce the cost. Second, I want to extract cash out of the process to end up with no net money down.

My GC is willing to run the job until the house is under roof and weather tight and then let me take over as GC. If I get in over my head or have problems with a specific sub, he will help out. He will also allow me to get his discounts with suppliers. The reason for this strategy is two-fold. The lender wants a 1.5 point additional origination fee if I do true owner-builder, and the foundation and framing are aspects of the job that are outside my comfort zone. All of the rest of the jobs are things that I am comfortable either working with the subs or doing myself.

My primary cost savings strategies:

Sweat equity. As described above, I will do a lot of the GC work and a lot of jobs myself.
Shop hard. Take advantage of outlets, sales, rebates, etc. on appliances, cabinets, flooring, etc.
Gift cards for CC rewards and fuel points wherever possible.
Choose energy efficiency features that will reduce the overall cost of ownership (extra insulation, air sealing, etc.)

Extracting Cash Back out of the project is where I need a little more advice. My basic plan is to set up a business entity for the project. No, I don't want to try this. My goal would basically be to loan the money to the business for the down payment, and then have the GC sub completion of the job to my business. The business would then repay me for the loan with the "profit" from my sweat equity. At the end of the project, the business would have no net profit or loss after repayment of the loan.

In order for this to work, the house will have to appraise high enough to keep me below 20% LTV.

Outside of opening a bank account and possibly getting some contractors insurance, what snags does anyone see?

Adam


Personal Finance Deals
Green Man Gaming up to 20%-25% Select Digital Download PC Games Pre-Orders
Added on : Wednesday February 12th 2014 12:00:03 PM
g: 0 Posted By: ArtieLange
Views: 166 Replies: 0 Green Man Gaming is offering up to 20% off Select Pre-Orders of Digital Download PC Games after Coupon Code: "3MCRLE-CG7AF1-G7T08U" (Exp Soon) or " YOGCST-BESTYT-EVERRR" (Exp Soon). No Tax or Shipping Costs

Titanfall $47.99
South Park Stick of Truth $47.99
The Elder Scrolls Online $47.99
Castlevania: Lords of Shadow 2 $43.19
THIEF $35.99
Plants vs Zombies: Garden Warfare $23.99
The LEGO Movie: Videogame $21.59
Resident Evil 4 $15.99
Child of Light $11.99
Strider $11.99

Video Games Deals
g: 5 Posted By: ArtieLange
Views: 196 Replies: 1 LITE-ON DVD Burner Black SATA Model OEM $14.99 shipped w/code EMCPHPC39 at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16827106289&...


This Lite-On 24X iHAS124 drive writes 4.7GB of data in about five and a half minutes to DVD+R, and supports all DVD formats. Intelligent features such as a 2 MB buffer, Smart-Burn buffer under-run protection, and Smart-Write dynamic calibration of write speed work together to ensure that you get accurate, working copies every time, instead of wasting disc blanks on failed write attempts.Playback is just as reliable with Smart-X technology for smooth, stable Audio CD, VCD, and DVD playback and data extraction. This high-performance SATA drive supports Microsoft Windows 2000, XP, and Vista. Using dual-layer burning, you'll be able to store 8.5 GB of data, photos, music, or games on one dual-layer disc.

DVD Multi Recorder The Lite-On iHAS124-04 DVD burner enables users to burn any DVD+R/-R, DVD+RW/-RW disc and supports the dual-layer function allowing up to 8.5GB data to be burned and saved on a single dual-layer disc. Burn your own DVD/VCD movies or backup data with ease!
24X Ultra High Writing Speed With advanced burning technology, the Lite-On iHAS124-04 DVD burner delivers a class-leading DVD+R/-R writing speed of 24X.
SMART-BURN Technology The Lite-On iHAS124-04 DVD burner is equipped with advanced SMART-BURN technology to avoid Buffer UnderRun errors and automatically adjust writing strategy and running OPC for the best burning quality.

Computers Deals

Newegg Coupons
g: 0 Posted By: IL352010
Views: 217 Replies: 2 First, thank you for your ideas and suggestions. This truly means a lot to me. I have searched and read through the required materials on this board. Again, I genuinely thank you for your time. I have tried to include the most pertinent information below.

My question is: How much should I invest in my 401k v. how quickly should I pay off my student debt.

I am 26 years old. Graduated with a professional degree in mid-2013, passed my professional licensing exam and started working at a Fortune 500 company in early January 2014.

I managed to get out of undergrad with no student loans (working during the year + summers and earning grants and scholarships). I graduated from law school with $62,000 of debt and allocated it by percentage below. (All Federal Loans).

Direct unsub. Stafford- $33,000 (6.8%)
Direct Sub. Stafford- $17,000 (6.8%)
Direct Student Plus- $12,000 (7.9%)

I've been paying off interest as it comes due throughout law school and have no other debt whatsoever. That said- my savings are nearly 0. (I will be receiving my second paycheck this week).

My starting salary is $75,000 even. I expect to hopefully be able to increase that in the near future. Truthfully, in my industry, I'm fortunate to have a job right now. That said, once I gain a few years of experience I believe I will be able to increase that figure dramatically.

My company offers a 6% 401k matching plan, which vests on a graded scale. Meaning- they will match my first 6% fully, however, after my first full year of employment 33% of their match will vest and be mine if I leave the company. After two years- 66% will vest and then after 3 years 100% of their match will vest. This worries me a bit because it is not uncommon to find or be offered a higher paying job within that time span. I suppose I'll have to decide how big a pay jump and whether it's worth it at the time.

Also my employer is a public traded company and they offer a ESPP. They will match the first 3% of contributions, after-tax, to that program.

I've also started a Roth IRA- although I have only put a few hundred dollars in it so far. I live in Chicago with a roommate and pay about $1,000/month total for rent, utilities, etc. I picked this living arrangement so that I could not have a car and walk about 4 blocks to work each day. If I need a car for a particular day for work- my employer will pick up the zipcar tab- which is great. My goal is to stay in this specific living situation for about 2-3 years. I eventually hope to save to buy a modest 1 or 2 bedroom condo.

Back to my question- Any advice on the strategy of repaying my loans and saving for retirement would be incredibly helpful. Again, thank you for your time and consideration.



Personal Finance Deals
g: 0 Posted By: jaymanthegreat
Views: 184 Replies: 0 10-Movie Mega Pack, Vol. 3 (Full Frame) $4.00

You Save: $10.99 (73%)

Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it."
"Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man.
"The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars.
"Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again.
"The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events.
"Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered.
"Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another.
"Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian.
"Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man.
"The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.
http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
DVD Deals

Walmart Coupons
Valentine's Day (Widescreen) $4.00 @ www.walmart.com
Added on : Sunday February 02nd 2014 09:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 26 Replies: 0 Valentine's Day (Widescreen) $4.00
You Save: $10.99 (73%)
Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it." "Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man. "The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars. "Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again. "The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events. "Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered. "Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another. "Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian. "Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man. "The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
g: 2 Posted By: ustad
Views: 311 Replies: 2 If you are someone who is looking for a new bike for your 7-10 year old, this may help. I found that WalMart.com is selling thisbike for only $49.99 plus tax. Free site to store and I believe that you may add a filler for .01 to go to $50 and qualify for free shipping.
Linky

This is the least expensive bike I found with proper hand brakes. Hope this help someone.



Bicycle Deals

Walmart Coupons
Kids 20" Kent Taboo BMX bike, choose either for boys or girls
Added on : Wednesday January 29th 2014 02:00:02 PM
g: 0 Posted By: ustad
Views: 70 Replies: 0 If you are someone who is looking for a new bike for your 7-8 year old, this may help. I found that WalMart.com is selling thisbike for only $49.99.
Linky

This is the least expensive bike I found with proper hand brakes. You can choose between boy/girl option. Hope this help someone.



Bicycle Deals

Walmart Coupons
g: 0 Posted By: jaymanthegreat
Views: 132 Replies: 0 Viking Wear Ladies Windigo Fully Lined Rain Jacket $38.77- $40.00
Item Description:
VKWR1080
Features:
Jacket
Stuffs into left pocket
Ultra light nylon and PU shell
Multiple back vents, and full mesh lining for ventilation
Adjustable hem and velcro cuffs
Reflective piping on front and back
Two large pockets and inside cell phone pocket
http://www.walmart.com/ip/Viking-Wear-Ladies-Windigo-Fully-Lined...
Clothing Deals

Walmart Coupons
g: 0 Posted By: jaymanthegreat
Views: 165 Replies: 0 The Twilight Saga: Breaking Dawn - Parts One And Two (Extended Editon) (Blu-ray + UltraViolet) (WalMart Exclusive) (Widescreen) $24.96


You Save: $15.03 (38%)

Movie Description:
Part One: In the highly anticipated fourth installment of, "The Twilight Saga", a marriage, honeymoon and the birth of a child bring unforeseen and shocking developments for Bella (Kristen Stewart) and Edward (Robert Pattinson) and those they love, including new complications with young werewolf Jacob Black (Taylor Lautner). Part Two: The astonishing conclusion to the series, "Twilight Saga: Breaking Dawn - Part Two", illuminates the secrets and mysteries of this spellbinding romantic epic that has entranced millions. After the birth of Renesmee, the Cullens gather other vampire clans in order to protect the child from a false allegation that puts the family in front of the Volturi."Forever: Filming Breaking Dawn Part 2" - Seven-part "making of" documentary, Chapter 1: "Rebirth", Chapter 2: "Renesmee", Chapter 3: "The Cottage", Chapter 4: "The Gathering", Chapter 5: "The Field", Chapter 6: "The Battle", Chapter 7: "Forever", "Two Movies at Once" Featurette, "The Forgotten" Green Day Music Video, "Jump to" Features, Audio Commentary with Director Bill Condon.Languages: English and Spanish, Subtitles: English SDH (Subtitles for Deaf and Hearing Impaired) and Spanish, Must Redeem Digital Offers by 3/2/2014.
Starring:
Kristen Stewart,Robert Pattinson,Taylor Lautner,Ashley Greene,Peter Facinelli,Elizabeth Reaser,Kellan Lutz,Nikki Reed

Studio Name: Universal Studios Home Entertainment
Blu-ray Release Date: 03/02/2013
Rating: PG-13
Format: Blu-ray
Screen Format: Widescreen
Run Time (in minutes): 232 minutes
Language: English
Audio Tracks: AC, Dolby Digital 5.1
Shipping Weight (in pounds): 0.28
Product in Inches (L x W x H): 5.5 x 0.5 x 7.44
.http://www.walmart.com/ip/Twilight-Saga-Breaking-Dawn-Parts-One-...
Blu Ray Deals

Walmart Coupons
g: 0 Posted By: jaymanthegreat
Views: 151 Replies: 0 4 Film Favorites: Nicholas Sparks Romances - Nights In Rodanthe / The Notebook / Message In A Bottle / A Walk To Remember (Widescreen) $9.96

You Save: $7.98 (44%)

Movie Description:
4 romantic films based on best-selling novels by Nicholas Sparks!
"Nights In Rodanthe": A sheltering love. As a nor'easter approaches, the two inhabitants (Richard Gere and Diane Lane) of a coastal inn find strength in each other...and a romance that rebuilds their troubled hearts.
"The Notebook": Love is forever. Two couples - one young, one old - explore the mysteries of devotion in this transcendent story. Ryan Gosling, Rachel McAdams, Gena Rowlands and James Garner star.
"Message In A Bottle": She found his heartfelt message. Can she find a way into his grieving heart? A touching story of love lost and found starring Kevin Costner, Robin Wright Penn and Paul Newman.
"A Walk To Remember": She (Mandy Moore) is a preacher's daughter. He (Shane West) is a rebel. But romance finds a way to bring the high-schoolers together in a tender, treasured tale to remember.


http://www.walmart.com/ip/4-Film-Favorites-Nicholas-Sparks-Roman...
DVD Deals

Walmart Coupons
Grease / Grease 2 (Widescreen) $5.96 (60%) OFF @ www.walmart.com
Added on : Tuesday January 28th 2014 11:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 164 Replies: 0 Grease / Grease 2 (Widescreen) $6.96

You Save: $9.00 (60%)

Movie Description:
"Grease" is the one you that you want! John Travolta solidified his position as the most versatile and magnetic screen presence of the decade in this film version of the smash hit play "Grease." Recording star Olivia Newton-John made her American film debut as Sandy, Travolta's naive love interest. The impressive supporting cast reads like a "who's who" in this quintessential musical about the fabulous '50s. "Grease" is not just a nostalgic look at a simpler decade - it's an energetic and exciting musical homage to the age of rock 'n' roll.
"Grease 2": Many familiar faces from the smash hit "Grease" return to the campus, and the new ones are equally memorable in this happy tribute to straight skirts, girl-chasing and young love. It's 1961, two years after the original "Grease" gang graduated from Rydell High, and there's a new crop of seniors. The Pink Ladies and the T-Birds are still the epitome of cool, except that over the summer, something's happened to Stephanie, the sorority leader. She feels she's outgrown Johnny, the head T-Bird, and is looking for a new love - one who's even hotter. Meanwhile, newcomer Michael is smitten with Stephanie, who won't even notice him. The conflict is on and the Rydell High fun takes off to new heights.
http://www.walmart.com/ip/Grease-Grease-2-Widescreen/23231067?ac...
DVD Deals

Walmart Coupons
g: 0 Posted By: ArtieLange
Views: 181 Replies: 0 Creative D80w Bluetooth Speaker for iPod, iPad, iPhone, and Tablets $34.97 at WalMart free pickup

http://www.walmart.com/ip/Creative-D80w-Bluetooth-Speaker-for-iPod-iPad-iPhone-and-Tablets/21977915?action=product_interest&action_type=title&placement_id=irs_top&strategy=PWVAV&visitor_id=63385789987&category=0%3A3944%3A96469%3A133271%3A1072785&client_guid=49c7a7da-4cb7-484c-b8cb-b2c47c735ffe&config_id=2&parent_item_id=19407952&guid=bec6e2a7-e47b-453e-85a4-295fa3efaf55&bucket_id=irsbucket002&findingMethod=p13n
Headphones & Speakers Deals
Hoover WindTunnel Pet Rewind Plus, UH70086 at Walmart $99.00 free pickup
Added on : Wednesday January 15th 2014 04:00:03 PM
g: 0 Posted By: ArtieLange
Views: 178 Replies: 0 Hoover WindTunnel Pet Rewind Plus, UH70086 at WalMart $99.00 free pickup

http://www.walmart.com/ip/Hoover-WindTunnel-Pet-Rewind-Plus-UH70086/15054490?action=product_interest&action_type=title&placement_id=irs_middle&strategy=PWVUB&visitor_id=63385789987&category=0%3A4044%3A90548%3A4047%3A12787&client_guid=8a1d6b27-aed6-4468-9639-230e7e31ca48&config_id=0&parent_item_id=21027087&guid=92f3d4d5-0a8c-4bd8-8dd3-7a5f9f43a59f&bucket_id=irsbucket002&findingMethod=p13n
Appliance Deals

Walmart Coupons
Free Kindle Book- Money Saving Tips For the Underachiever
Added on : Tuesday January 14th 2014 07:00:08 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00H3T562I/

4.8 out of 5 stars (31 customer reviews)

#2 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Financial Planning
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Budgeting

In this book readers are given simple suggestions on how to either put money back into their pockets or prevent money from fleeing in the first place. The author speaks from the experience of being a former haphazard spender to developing a disciplined frugal mind by using strategy and creativity to save money. This book is ideal for people who never took, or had time to educate themselves on how to maintain a frugal lifestyle while not cutting into their couch time. The underachievers.

No mistaking, this book isn't just for the underachievers, it contains numerous money saving tips and strategies that everyone can benefit from. This isn't just a book, it's a reference manual that you can continually refer back to for guidance and motivation. I promise that If you follow and execute any of these simple steps, you will start seeing savings immediately. I put my name on it.

5 Important Tips You'll Learn In This Book:
Creative strategies that when implemented will save you thousands of dollars. GUARANTEED!
You will learn to properly automate your bill payments and a lot of your monotonous shopping needs without ever having to leave your couch.
I will show you how I saved over $20,000 a year just by improving the way I shop and paid for my entertainment. You will learn to do the same thing.
I will show why everyone should have credit cards and how to make them make you money without the threat of interest charges.
I will show you how frugality is more than just saving as much money as you can. Frugality is a mentality that when perfected will change your view of life in general. You will learn that what you thought you really wanted, you do not need. The difference between needs and wants is what the frugal person is exceptional at identifying.
Totally Free Deals
g: 0 Posted By: heyyl0w
Views: 305 Replies: 0 Amazon has Metal Gear Solid V: Ground Zeroes Pre-Order (PS4)for $39.99. Shipping is free. Also available on the Xbox One.

Alternatively, you can pre-order it for the Xbox 360for $29.99 or the PS3for $29.96 if you weren't one of the lucky ducks that got a next-gen console.

Release date is March 18. If the price decreases between purchase and release date, you'll receive the lowest price.

Here's a linkto 2 trailers that show gameplay.

THE POWER OF FOX ENGINE - Ground Zeroes showcases Kojima Productions' stunning FOX Engine, a true next-generation game engine which revolutionizes the Metal Gear Solid experience.
INTRODUCTION TO OPEN WORLD DESIGN - The first Metal Gear Solid title to offer open world gameplay. Ground Zeroes offers total freedom of play: how missions are undertaken is entirely down to the user.
UNRESTRICTED STEALTH - Imagine classic Metal Gear gameplay but with no restrictions or boundaries. Players use intelligence and cerebral strategy to sneak their way through entire missions, or go in all guns blazing.
MULTIPLE MISSIONS AND TASKS -Ground Zeroes boasts a central story mode and Side-Ops missions ranging from tactical action, aerial assaults and "covert" missions that will be sure to surprise.
REDESIGNED INTERFACE - Ground Zeroes users will benefit from a clean in-game HUD that shows the minimal amount of on-screen data to give a more intense gaming experience.

PS4 Games Deals

Amazon Coupons
mAOR Results for Cap1 VC/Arrival/Chase SWA
Added on : Saturday January 04th 2014 02:00:05 PM
g: 0 Posted By: ymarker
Views: 125 Replies: 2 Just did a mini-AOR with 3 credit cards applied a few seconds apart, waited for approval screen prior to clicking apply on the next app. Always appreciated other folks posting their experience so as to adjust my own strategy, so hopefully this helps someone. Each numeral below links to the app I used (most found here or FT):

1) Barclays Arrival 40k w/$1k spend $89 fee waived 1st year: Approved $10,000 cl
2) Chase SWA Premier 50k w/$2k spend $99fee not waived: Approved $15,500 cl
3) Cap1 VC 50k w/$3k spend $0 AF: Approved $10,000 cl

Credit Karma Score this morning prior to app: 782. Equifax FICO 787 as of last week. Fortunately did not have to call recon on any of the apps, unlike in the past, especially with chase.

Was anxious about Barclays as they had denied my last app when attempting to churn the NFL card about 4-5 months ago. Had churned Chase SWA before, several times, though this is my first premier. Saved Cap 1 VC last as there was concern of the tri-bureau pull.

Concerns:
Would like to get another Chase Business SWA card to get closer to companion pass (another $2k spend). Also would have liked to apply for Citi AAdvantage 50k (another $3k spend). Don't think I can hit the additional marginal spend easily such that the ROI wrt time / enjoyment / ease is questionable, though leaving this as a possibility. Also concerned about excessive chase churn and risking blacklisting or losing my existing UR points. Churned swa about 3 times now, and 1x each of ink bold (still have), 1x CSP (downgraded to no fee now after harvesting, though should probably get rid of it now for possible future churn?). I don't have any big trips planned so harvesting the arrival may be of concern, though I imagine I have till Jan 2015 to harvest, prior to the fee hitting.

Meeting Spend:
For the current spend, I can wipe out the Cap1 VC with AP ($1k / month for three months). The remaining two - Arrival and SWA total $3k spend which in the next next three months equals to $1000/month everyday spending which is manageable without any undue effort.
Discussion Deals
ASUS Google Nexus 7" Tablet with 16GB Memory - (Refurbished) $119.99 FS
Added on : Thursday January 02nd 2014 10:00:10 AM
g: 2 Posted By: GreenTrash
Views: 303 Replies: 3 LINK

Stay connected to the world around you with the refurbished Asus Google Nexus 7" Tablet PC. Featuring Android 4.1 (Jelly Bean) Operating System, this tablet allows you to effortlessly surf the web, draft and send emails, play games and much more.
Asus Google Nexus with WiFi 7" Touchscreen Tablet PC, Refurbished:

Technical Specifications:
The Asus Google Nexus 7" Tablet PC features a 1.20GHz NVIDIA Tegra 3 Quad-Core processor
1GB DDR23 system memory and 16GB on-board storage memory
7" touchscreen, 1280 x 800 resolution, virtual keyboard
Built-in 802.11b/g/n Wi-Fi and Bluetooth v2.1
Additional Features:
The Asus Touchscreen Tablet with WiFi features a front 1.2 megapixel camera/webcam
USB 2.0 port, micro USB
GPS, gyro sensor, ambient light sensor
Up to 9.5 hours of run time on a full charge
This brown refurbished Android 4.1 Jelly Bean Tablet PC weighs 0.75 lbs; 7.8" x 0.4" x 4.7" dimensions
Software and Applications:
The brown refurbished Android 4.1 Jelly Bean Tablet PC features Android 4.1 OS (Jelly Bean)
Gmail, Google Maps, Google Talk, YouTube, Search by Voice 2.1, Calendar Sync, Google Movie Studio, Games
Android Market (for applications)
What's in the Box:
Asus Touchscreen Tablet with WiFi and AC adapter
Android Tablets Deals

Walmart Coupons
Just how unique was the run up in the market this year?
Added on : Wednesday January 01st 2014 09:00:10 AM
g: 0 Posted By: packers9626
Views: 193 Replies: 1 There was a 32.4% run up on stocks in the S&P 500 this year. I am relatively young and have only had money available to invest for the last few years. My basic strategy so far has been to buy large, well established companies with a good business who have stocks that are selling at a significant discount. Those kind of stocks are becoming very hard to find in this environment.

What kind of strategies would you recommend in the current market? I do not have a mortgage or any debt worth paying off to spend my excess money on until market conditions change.
Investing Deals
Lots of CCs - strategy to manage AORs, CLIs, and Credit Score
Added on : Tuesday December 31st 2013 09:00:08 AM
g: 0 Posted By: chunkalunk
Views: 157 Replies: 0 Between me and wifey, we probably now have close to 20 CCs thanks to2 AORs (thanks FWF!). We generally only use 4-5 at any given point in time, in order to maximize rewards. All other CCs are sock-drawered and I've setup account alerts on them, whenever possible, to track any unexpected charges/fraud.

Couple of questions:
1. As the CC/CLIs add up, do any of you request to reduce the CLI on cards? (seems like on one hand, large amount of available credit negetively impact your credit score, but on the other hand, % of available credit used positively impacts credit score if it's low) Also not sure how large amount of existing CLIs may impact AOR #3, #4, #5, etc
2. Do youcancel the most recent AORed cards after getting signup bonuses? (my thinking: new cards shorten your average age of credit lines, cancelling the new ones would 'lengthen' the average age again)

I know some of the old-pro AORers have way more than 20 CCs and I probably wouldn't mind, but wifey is concerned we have so many CCs. I know there's no 1 'right' answer, butcurious to see what others out there are doing to either
a) ensure successful subsequent AORs, and
b) minimize risk/exposure (I realize you're not liable for fraudulent CC charges, but I view it as a hassle I'd like to mitigate)

Thanks in advance!
Personal Finance Deals
Lots of CC - strategy to manage CLIs?
Added on : Tuesday December 31st 2013 08:00:11 AM
g: 0 Posted By: chunkalunk
Views: 13 Replies: 0 Between me and wifey, we probably now have close to 20 CCs thanks to2 AORs (thanks FWF!). We generally only use 4-5 at any given point in time, in order to maximize rewards. All other CCs are sock-drawered and I've setup account alerts on them, whenever possible, to track any unexpected charges/fraud.

Couple of questions:
1. As the CC/CLIs add up, do any of you request to reduce the CLI on cards? (seems like on one hand, large amount of available credit negetively impact your credit score, but on the other hand, % of available credit used positively impacts credit score if it's low) Also not sure how large amount of existing CLIs may impact AOR #3, #4, #5, etc
2. Do youcancel the most recent AORed cards after getting signup bonuses? (my thinking: new cards shorten your average age of credit lines, cancelling the new ones would 'lengthen' the average age again)

I know some of the old-pro AORers have way more than 20 CCs and I probably wouldn't mind, but wifey is concerned we have so many CCs. I know there's no 1 'right' answer, butcurious to see what others out there are doing to either
a) ensure successful subsequent AORs, and
b) minimize risk/exposure (I realize you're not liable for fraudulent CC charges, but I view it as a hassle I'd like to mitigate)

Thanks in advance!
g: 0 Posted By: buddogusa
Views: 12 Replies: 0 Found these 2 Old Spice sets that have been marked down. Always good to have some extra stock around the house. Below are descriptions and links -

The Old Spice Fiji Fresh Collection Action Pack contains everything a man needs to smell fresh all day. The action pack includes Old Spice Fiji Body Spray, Old Spice Fiji Body Wash, and Old Spice Fiji Anti-Perspirant & Deodorant. Plus, as an added bonus, the pack includes a loofah (puff).Old Spice Fiji Fresh Collection Action Pack:

Includes body spray, body wash, and anti-perspirant & deodorant
Includes a loofah (puff)


http://www.walmart.com/ip/Old-Spice-Fiji-Fresh-Collection-Action... Old Spice Pure Sport Action Pack contains everything a man needs to smell fresh all day. The action pack includes Old Spice Red Zone Pure Sport Body Spray, Old Spice High Endurance Pure Sport Body Wash and Old Spice High Endurance Pure Sport Deodorant. Plus, as an added bonus, the pack includes trial sizes of Old Spice Bearglove Invisible Solid deodorant and Old Spice Bearglove Body Wash.Old Spice Pure Sport Action Pack:

Old Spice Red Zone Pure Sport Body Spray, Old Spice High Endurance Pure Sport Body Wash, and Old Spice High Endurance Pure Sport Deodorant
Includes trial sizes of Old Spice Bearglove Invisible Solid Deodorant and Old Spice Bearglove Body Wash

http://www.walmart.com/ip/Old-Spice-Pure-Sport-Action-Pack-5-pc/...
g: 0 Posted By: StevenColorado
Views: 297 Replies: 3 Link.

Normal price $65.
Health Deals

Walmart Coupons
YOYO.com (Amazon)--7 Wonders board game $28.72 + FS
Added on : Sunday December 29th 2013 12:00:02 PM
g: 0 Posted By: MrsGuin
Views: 0 Replies: 0 Enter promo Code yoyo25 TAX charged in AZ, CA, CT, GA, KS, KY, MA, NJ, NY, PA, TX, VA, WA, WI, WV
http://www.yoyo.com/p/asmodee-7-wonders-134753
Popularity: #14 in Games Grown-Ups Love, #15 in Strategy Games, #114 in Board Games
car loan strategy
Added on : Saturday December 28th 2013 08:00:07 AM
g: 0 Posted By: cameron2003
Views: 86 Replies: 3 I have a $40,000 car loan at 2% over 7 years. Its a simple interest loan. I know I can pay bi-weekly and save money, but that is partially (or maybe mostly) because I am paying more annually.

I am interested in saving money on interest payments, while at the same time not increasing my annual outlays to my lender.

I know it must save on interest just to split the monthly due down the middle and paytwice a month (not bi-weekly) since interest is compounded daily. Or even do the same thing 4 times a month (if my lender can stand it).

I cannot find a calculator or any source to help me figure out what the savings would be, or if there was another strategy that was better and basically did not cost extra, or cost much. Adding $20 to my monthly payment is another way to do it on the cheap.

Anyone ever do this?



Personal Finance Deals
Considering to sell my home in the SF bayarea
Added on : Friday December 27th 2013 06:00:12 PM
g: 0 Posted By: budryan
Views: 149 Replies: 0 I need some help in deciding if I should sell my home. We finally have a chance to break even if not make a profit.

The Facts:

My home is in the bay area, South San Francisco (an up and coming but still rough area near sf) to be exact. The home was purchased right after the peak so the first dip. The majority of the time I have owned the home, it has been underwater. I rent one of the rooms. I purchased the home with my brother. We both know this is not our dream home and will not want to live here forever.

The Assumptions:

Housing prices are very high especially in the bayarea and during the summer months, it is the best time to sell. We want to sell before the housing market cools off again. Maybe we can sell in 2014 and rent for a time being hopefully the market will settle down and we will have a chance to buy somewhere else (hoping for the sell high buy low strategy)

The Fears:

I dont know how I will be taxed if I sold for a lost, broke even, or even a profit. Another fear is rent and if home prices keep rising. Will we be priced out of the bayarea (I dont think so thought because what goes up must come down right?)?


Hopefully you all have some input in helping me make my decision. Thanks for the help.
Real Estate Deals
Roth IRA - asset allocation and strategies
Added on : Tuesday December 24th 2013 01:00:04 PM
g: 0 Posted By: anusha123
Views: 9 Replies: 0 Age . 32
ROTH IRA with vanguard
just planning 100% on 2045 vanguard Target retirement fund for Roth IRA with 5.5k every year.

what s FW way or your way of allocating asset in ROTH IRA

would you mind showing your allocation and strategy ?
Investing Deals
Faded Glory Girls Leggings $4.97
Added on : Thursday December 19th 2013 05:00:46 PM
g: 0 Posted By: puggle
Views: 0 Replies: 0 WalMart
Faded Glory Girls' Legging $4.97
Shipping free on orders of $35.00 or more
In store pick up free.http://www.walmart.com/ip/Faded-Glory-Girls-Legging/24622832?act...










g: 0 Posted By: slervik
Views: 228 Replies: 0 Amazon has Strategy First Video Games (PC Downloads) $0.25 - $0.50. These games qualify for the $5.00 Holiday Credit.

About $5.00 Holiday Credit:
Every qualified purchase of a digital download game will result in a $5.00 promotional credit that can be applied ONLY to editor's choice video games in January 2014. The codes cannot be stacked.
There is no known limit though, how many promo codes you can have per account.

These are the cheapest video games that qualify for the $5.00 Holiday Credit.

Note: Free game demos on this list MAY OR MAY NOT work with the credit.

Some games include:

Glacier Racer- $0.30
Caveman Survival- $0.30
Taxi 3 Extreme Rush- $0.50
OR
ENTIRE GAME LIST

Video Games Deals

Amazon Coupons
Family Financial Management Strategies
Added on : Thursday December 19th 2013 12:00:06 AM
g: 0 Posted By: DrToxic
Views: 61 Replies: 3 Hello everyone! I've been a long-time reader of FWF, but never much got around to posting anything up, so I figured now was as good a time as any to start! I am recently married, (1 month!) and with my wife and I wanting to start a family in the (relatively) near future, I wanted to ask if anyone had any advice they could share about how to manage the everyday money as a couple and as a family. e.g.: If you're married, do you have one person who primarily does all of the finances? Is there any specific strategy that you try to follow to make sure money comes and goes the way it should? Or even, if you have children, how do you teach them about money and financial responsibility from a young age?

Right now, her and I use what I like to call the "Automate & Skim" method. We have several high-rewards CC's, which all expenses are charged to. (Citi Forward for entertainment, PenFed for Gas, and the Priceline Rewards Visa 2% for everyday - all of which I found on FWF!) All of our paychecks are direct deposited to our joint checking, and throughout the month, our card payments deduct automatically when they come due. (We always pay in full) At the end of the month, we decide how much we want to keep in the account for next month by looking at our expected CC bills, then 'skim' the rest off the top and split it up into personal accounts for each of us, or put it towards a goal or vacation. I really like this method, and it feels pretty easy to manage to me, but sometimes it leaves her feeling like all of our money just gets dumped into a 'big black hole' and we wait to see what comes out at the end of the month. Because of that, I wanted to ask you all what methods you use - anything is helpful, I'm just naturally curious!
New User Question Deals
Final Fantasy XIII - 2 - PlayStation 3 $9.99 Bestbuy Free Instore Pickup
Added on : Monday December 16th 2013 01:00:08 AM
g: 0 Posted By: ArtieLange
Views: 126 Replies: 0 Final Fantasy XIII - 2 - PlayStation 3 $9.99 Bestbuy with Free Instore Pickup

Product Features:
Continues the adventure of the Final Fantasy franchise, three years after the events of Final Fantasy XIII
Encounter a mysterious man named Noel and set off on an adventure to save Lightning
Join Serah and Noel as they scour the land in search of Lightning, and determine the outcome of the story in multipath, player-driven gameplay
Recruit, tame and develop more than 150 different monsters as party members, including iconic monsters like cactuars, tonberries and behemoths
Hone your strategy, and take greater command of the paradigms than ever before thanks to the new tuning feature in the Active Time Battle system
Immerse yourself in the adventure as cinematic action sequences blur the line between battles and cutscenes
Explore richly developed, living environments teeming with NPCs and opportunities to embark on side missions

http://www.bestbuy.com/site/final-fantasy-xiii-2-playstation-3/3519887.p?id=1218410272806&skuId=3519887
PS3 Games Deals

Best Buy Coupons
Vanguard 401k fund- mess with it or keep all in target 2050 retirement?
Added on : Saturday December 14th 2013 05:00:11 PM
g: 0 Posted By: packers9626
Views: 104 Replies: 1 I am contributing $184 every two weeks. Thinking of maybe diversifying a bit. I can choose from other various Vanguard funds. One that caught my eye was the Fidelty contrafund (=12pxFCNTX). Heres the funds strategy:

=12px"The investment seeks capital appreciation. The fund normally invests primarily in common stocks. It invests in securities of companies whose value the advisor believes is not fully recognized by the public. The fund invests in domestic and foreign issuers. It invests in either "growth" stocks or "value" stocks or both. The fund uses fundamental analysis of factors such as each issuer's financial condition and industry position, as well as market and economic conditions to select investments."


Would there be any downside to allocating 20% of my contributions to this?
Investing Deals
Fisher Price power wheels starting $198 plus free $75 gift card - Walmart
Added on : Tuesday December 10th 2013 11:00:04 AM
g: 1 Posted By: prsrcokr
Views: 683 Replies: 2 Great deal here,

4 options for Fisher Price power wheels (Corvette, dune racer, Ford Raptor) starting at $198 + a $75 giftcard which brings it as low $123 assuming you spend the card on items you would purchase anyway. Don't forget FW CashBack also!

http://www.walmart.com/ip/Fisher-Price-Your-Choice-Power-Wheels-Corvette-Stingray-Pink-or-Green-Dune-Racer-or-Ford-F-150-Ride-On-and-Bonus-75-Giftcard/30949001?action=product_interest&action_type=title&placement_id=WM_Home_IRS_Spot_1&strategy=PWVAV&visitor_id=56171179712&client_guid=fb837e83-23f3-4666-a748-b924df88c715&config_id=6&parent_item_id=33290384%2C30949001%2C26095877%2C25710559%2C29701184&guid=3d10030e-91ad-48ff-a6d1-2086da093ffe&bucket_id=irsbucketdefault&findingMethod=p13n
Toys Deals

Walmart Coupons
Fisher Price power wheels plus $75 gift card - Walmart
Added on : Tuesday December 10th 2013 08:00:09 AM
g: 0 Posted By: prsrcokr
Views: 340 Replies: 0 Great deal here,

4 options for Fisher Price power wheels (Corvette, dune racer, Ford Raptor) starting at $198 + a $75 giftcard which brings it as low $123 assuming you spend the card on items you would purchase anyway. Don't forget FW CashBack also!

http://www.walmart.com/ip/Fisher-Price-Your-Choice-Power-Wheels-Corvette-Stingray-Pink-or-Green-Dune-Racer-or-Ford-F-150-Ride-On-and-Bonus-75-Giftcard/30949001?action=product_interest&action_type=title&placement_id=WM_Home_IRS_Spot_1&strategy=PWVAV&visitor_id=56171179712&client_guid=fb837e83-23f3-4666-a748-b924df88c715&config_id=6&parent_item_id=33290384%2C30949001%2C26095877%2C25710559%2C29701184&guid=3d10030e-91ad-48ff-a6d1-2086da093ffe&bucket_id=irsbucketdefault&findingMethod=p13n
Toys Deals

Walmart Coupons
Daewoo .9 cu ft 800w Microwave reg. $79 NOW $49 @walmart free s/h
Added on : Monday December 09th 2013 01:00:04 PM
g: 0 Posted By: Gtwo
Views: 263 Replies: 1 http://www.walmart.com/ip/Daewoo-.9-cu-ft-Microwave/23703420?action=product_interest&action_type=title&placement_id=irs_middle&strategy=PWVUB&visitor_id=58404192456&category=0%3A4044%3A90548%3A132950&client_guid=0f3318ee-ea76-45cc-8ef4-b8215fdec8b8&customer_id_enc=00438533236fb7b8726d9bcf51ae28eb&config_id=0&parent_item_id=23703420&guid=ee59a672-1583-4f71-876c-c4b1eb41fa50&bucket_id=irsbucketdefault&findingMethod=p13n#Specifications
Daewoo .9 cu ft Microwave:

800W power output
10 power levels
1-touch cooking menu
10 power levels
Accurate cooking timer
Various auto cook menus
Auto defrost
Easy cook function
More/less feature
Clock
Electronic safety lock system
1-year warranty
Dimensions: 14.29"L x 18.31"W x 11.02"H

Appliance Deals

Walmart Coupons
g: 1 Posted By: flyhighutah
Views: 364 Replies: 2 WalMart
LINK
Hair & Skincare Deals

Walmart Coupons
g: 0 Posted By: tseque
Views: 233 Replies: 0 Buy $100 in participating Gift Cards, Get $15 off your next order

Buy $50 in participating Gift Cards Get $5 off your next order

Buy $75 in participating Gift Cards, Get $10 off your next order

12/4 through 12/17


Includes Bass Pro, Ihop, Applebee's, Lowes, ITunes, Michaels, and VISA

my strategy has been to buy the Visa $100 card that has a $5.95 fee. I make a $9 profit and will then take the Visa to Outback or Rite Aid to buy more promotional offer gift cards to maximize the 'bang for my buck'. Kapow!


Grocery Deals
g: 0 Posted By: fsu67
Views: 0 Replies: 0 Car Speakers Boss Audio 2-Way, Full Range Chaos Speakers - 6" X 9", 350W (Pair of Speakers) $23.24 walmarthttp://www.walmart.com/ip/Boss-2-Way-Full-Range-Chaos-Speakers-6-X-9-35...
Electronics Deals

Walmart Coupons
Big Joe Bean Bag Chair, Multiple Colors $29.88 at Walmart
Added on : Wednesday November 27th 2013 09:00:09 PM
g: 0 Posted By: MIGHTYMACHONE
Views: 93 Replies: 0 .


Big Joe Bean Bag Chair, Multiple Colors $29.88 at WalMart



http://www.walmart.com/ip/Big-Joe-Bean-Bag-Chair-Multiple-Colors...



Was: $39.88


Online: $29.88



Big Joe Bean Bag Chair:

Perfect for the bedroom, dorm room or in front of the TV
Equipped with drink holder, pocket and easy-carry handle
Made with the tough, stain resistant SmartMax ballistic nylon fabric
Easily cleaned and waterproof
Filled with UltimaX Bean that conforms to you
Double stitched and double zippers for added strength and safety

Home & Garden Deals

Walmart Coupons
Banks may charge to take deposits (FT)
Added on : Monday November 25th 2013 02:00:04 AM
g: 0 Posted By: tuphat
Views: 100 Replies: 1 From Financial Times article (link below) --

Leading US banks have warned that they could start charging companies and consumers for deposits if the US Federal Reserve cuts the interest it pays on reserves. Depositors already have to cope with near-zero interest rates, but paying just to leave money in the bank would be highly unusual and unwelcome for companies and households.

The warning by bank executives highlights the dangers of one strategy the Fed could use to offset an eventual tapering of the $85bn a month in asset purchases Executives at two of the top five US banks said a cut in the 0.25 per cent rate of interest on the $2.4tn in reserves they hold at the Fed would lead them to pass on the cost to depositors. Banks say they may have to charge because taking in deposits is not free: they have to pay premiums of a few basis points to a US government insurance programme.

http://on.ft.com/181lD4M
General Economics Deals
Investing Strategy - Shorting ETF Pairs
Added on : Friday November 22nd 2013 06:00:11 AM
g: 0 Posted By: jameshasty
Views: 21 Replies: 0 I know this was discussed a while ago on this forum but I did not take the plunge and try it until now. As I plan to expand the use of this strategy in the future depending upon the results feedback would be appreciated.

The idea is to take two matching ETF leveraged funds and short both of them in roughly equal dollar amounts.

At the risk of stating the obvious I will lay out my understanding and concerns regarding these investment vehicles and this strategy:

1. ETF leveraged funds are very risky in nature, messing with them can end up with a very bad outcome
2. Matching long and short ETF funds should serve to partially offset losses but in the short to mid term can result in significant losses if the underlying investment goes on a run (large change in value - up or down).
3. In the long run ETF leveraged funds are bad investment vehicles to hold in a long position as they will underperform the underlying investment due to frequent trading and resulting fees
4. Object is to avoid selling positions long enough to make a profit from their inevitable losses
5. The best way to ride out short to mid term losses on matched short positions is to limit the investment to a small percentage of overall portfolio.
6. Shorting the positions is cash flow positive and will not result in a margin balance but will increase the risk of a margin call by using up available margin on existing investments
7. On any short position the potential loss is unlimited
8. The less volatile the underlying commodity, the less chance of large losses

I think the most important thing here is to start small and limit the risk. If this works as anticipated I can always expand later. Also, by limiting the amount involved the risk of a margin call should be negligible.

With that being said I took the plunge and sold the following ETF positions:

DRV Real Estate Bear 3x Shares
URE Ultra Real Estate

EDC Emerging Markets Bull 3X Shares
EDZ Emerging Markets Bear 3x Shares

The total amount is roughly 4% of the long investments and 5% of the account NAV.

I could not short the 3X real estate long ETF (no shares available) so I took a 50% larger position in the short of URE.

Whether you have done this for yourself or not I would be interested in hearing feedback regarding this strategy, your experiences, and any advice you may have.

While I think this will work without taking the time and effort to rebalance I would like to hear feedback abouthow important or helpful it would be to do so (if at all).

Investing Deals
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/Storm-Warrior-Believers-Strategy-Victory-ebook/dp/B00B8563DE

5.0 out of 5 stars with 4 reviews

Are you facing a challenge? A defeat? A serious threat? Then you need to know more about Jesus' strategy for His people. Join seasoned prophetic evangelists and renowned authors Mahesh and Bonnie Chavda in implementing the authority that is already yours in Christ. Through keen biblical insight and astonishing living examples, they help you embrace as never before the fact that the perfect Storm Warrior sits on the highest seat of authority in heaven. He reigns over all--disease, calamity, even death. And He gives an impartation to all who commune with Him in truth. As you become saturated with the Lord Jesus, you, too, become a carrier. You become a storm warrior of God.

Jesus provided the example and the empowerment for you to be victorious in any circumstance. You already have the equipment you need to manifest the Kingdom. This believer's handbook will show you how to use it.
Books Deals

Amazon Coupons
g: 2 Posted By: bittul
Views: 33 Replies: 0 Copied/Pasted from DJ3xclusive over @ SD
DJ3xclusive said: *Starts 11/21/2013*

http://www.amazon.com/dp/B00GJ1X4TS/ Rockstar Classics Bundle 7.99
http://www.amazon.com/dp/B00CLEIC6W Shatter - 2.49
http://www.amazon.com/dp/B00DOD0TZG BioShock Triple Pack - 14.99
http://www.amazon.com/dp/B00CPBZDQ8 Borderlands 2 and Borderlands GOTY - 11.99
http://www.amazon.com/dp/B00CPBZDPE Firaxis Pack (XCOM EU, Civ V Gold, Civ IV Complete) - 19.99
http://www.amazon.com/dp/B00ECHYTKY X-COM Collection (Classics +EU + DLC) - 9.99
http://www.amazon.com/dp/B0091T6FQO Desert to Sea - 9.99
http://www.amazon.com/dp/B008GW5V9E Action Shooter Pack - 9.99
http://www.amazon.com/dp/B00ELJROFA CIV V COMPLETE (Gold + Brave New World) - 19.99
http://www.amazon.com/dp/B00AFDKCLE X-COM ENEMY UNKNOWN- SLINGSHOT DLC - 3.49
http://www.amazon.com/dp/B009RSL2EO X-COM ENEMY UNKNOWN- ELITE SOLDIER DLC - 2.49
http://www.amazon.com/dp/B00846E6X4 X-COM: Complete Pack (CLASSICS) - 7.49
DUKE NUKEM FOREVER - 9.99
DARKNESS 2 - 14.99
http://www.amazon.com/dp/B00BCNV1CA CIV V GOLD - 24.99
http://www.amazon.com/dp/B0084FHBGY CIV IV COMPLETE - 14.99
http://www.amazon.com/dp/B00CYOHL48 Sid Meier's Civilization V Game of the Year Edition [Mac Download] - 19.99
http://www.amazon.com/dp/B00BLS4CZ4 Civilization V Gold - 24.99
Duke Nukem Forever [Mac Download] - 9.99
Civilization IV [Mac Download] - 9.99
Civilization V Gold + Civ V: Brave New World - 19.99
http://www.amazon.com/dp/B00BGEAY00 Blacklight Tango Down 4-Pack - 4.49
http://www.amazon.com/dp/B008PGUVLE Blacklight Tango Down - 1.29
BULLY/MANHUNT - 4.99
http://www.amazon.com/dp/B00DQXF8AU GTA TRILOGY - [Mac Version (http://www.amazon.com/dp/B006BEZPTU Click Here)] 6.99
http://www.amazon.com/dp/B00A9XQ83Q Max Payne 3 + Season Pass $7
http://www.amazon.com/dp/B00G3K2JEG MAX PAYNE 3 COMPLETE - 6.99
http://www.amazon.com/dp/B00GJ1X1SM MANHUNT/MANHUNT 2 - 3.99
http://www.amazon.com/dp/B00GJ1X3V2 GTA TRILOGY + GTA IV - 10.99
http://www.amazon.com/dp/B0091UYJ66 LA NOIRE Complete + Max Payne 3 Complete - 7.99
http://www.amazon.com/dp/B00904XVS0 GTA IV Complete + Max Payne 3 - 7.99
L.A. NOIRE - 9.99
GTA IV - 9.99
MANHUNT - 4.99
MANHUNT 2 - 7.49
GTA VICE CITY - 4.99
GTA 3 - 4.99
GTA SAN ANDREAS - 7.49
MAX PAYNE 3 - 9.99
MAX PAYNE 3 SEASON PASS - 7.49
Call of Duty: Black Ops - 19.99
Call of Duty: Black Ops - Rezurrection - 5.99
Call of Duty: Black Ops "Annihilation & Escalation" Content Pack - 9.99
R.I.P.D.: The Game - 2.99
God Mode - 2.99
Zeno Clash 2 - 4.99
Invadazoid - 1
Rails - 4.95
Art Text for Mac - 19.95
Scorpion: Disfigured - 4.9975
Jekyll & Hyde - 4.9975
Outcry - 4.9975
http://www.amazon.com/dp/B00B2CY948 Giana Sisters: Twisted Dreams - 2.99
The Few - 1.99
Strike Suit Zero - 4.99
Dungeons & Dragons: Chronicles of Mystara - 7.49
Dungeons & Dragons: Chronicles of Mystara 4-Pack - 22.49
Super Street Fighter IV: Arcade Edition - 14.99
100% Hidden Objects - 3.99
Ancient Spirits - Columbus Legacy - 1.99
Build It! Miami Beach Resort - 1.99
Dark Mysteries - The Soul Keeper - 2.99
Jewel Legends - Tree of Life - 2.99
Mahjong Mysteries - Ancient Athena - 1.99
Mahjongg: Ancient Mayas - 1.99
Mystery Stories - Mountains of Madness - 2.99
Mystery Stories: Island of Hope - 1.99
Sanctum 2 - 3.74
Super Sanctum TD - 0.99
Sanctum - 2.49
18 Wheels of Steel Long Haul - 2.49
Amnesia - 4.99
Hunting Unlimited 2010 - 2.49
Ultimate Mahjongg 20 - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 4.99
18 Wheels of Steel Extreme Trucker - 2.49
Let's Ride: Silver Buckle Stables - 2.49
Prison Tycoon 4: Super Max - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 9.99
Amnesia - 9.99
Stealth Bastard Deluxe - 2.99
Stealth Bastard Deluxe: The Teleporter Chambers - 1.49
Deponia - 3.99
Chaos on Deponia - 3.99
The Dark Eye - Chains of Satinav - 4.99
A New Beginning - 2.49
Edna & Harvey: Harveys New Eyes - 2.99
Garshasp: The Monster Slayer - 1.25
Garshasp: Temple of the Dragon - 1.25
Secret Files Franchise Pack - 19.99
Cubetractor - 4.99
PixelJunk Monsters Ultimate - 9.99
PixelJunk Shooter - 6.7425
Psychonauts - 2.5
Costume Quest - 3.75
Stacking - 3.75
Brutal Legend - 10
Brutal Legend - Soundtrack Edition - 12.5
Guacamelee! Gold Edition - 9.99
Tales From Space: Mutant Blobs Attack - 3.99
Hunter's Trophy 2 - America - 7.5
Hunter's Trophy 2 - Australia - 7.5
WRC 3 - 14.99
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Restaurant Empire - 4.95
Restaurant Empire 2 - 9.95
Capitalism 2 - 4.985
Zoo Empire - 2.4875
Marine Park Empire - 2.50
Circus Empire - 2.4875
Hotel Giant - 2.4875
Seven Kingdoms 2 - 2.4875
Nemesis of the Roman Empire - 4.9875
Warlords Battlecry 3 - 4.9875
Joan of Arc - 0.9875
Lords of Football - 6.25
Jig-Man! - 2.67
Maze-Master - 2.67
Nancy Drew: The Final Scene - 3.5
Nancy Drew: Secret Of The Scarlet Hand - 3.5
Nancy Drew: Ghost Dogs Of Moon Lake - 3.5
Nancy Drew: The Haunted Carousel - 3.5
Nancy Drew: Danger on Deception Island - 3.5
Nancy Drew: Ransom Of The Seven Ships - 3.5
Nancy Drew: The Phantom of Venice - 3.5
Nancy Drew Dossier: Resorting to Danger - 3.5
Nancy Drew: Legend of the Crystal Skull - 3.5
Nancy Drew Dossier: Lights, Camera, Curses! - 3.5
Nancy Drew: The Haunting of Castle Malloy - 3.5
Nancy Drew: Curse of Blackmoor Manor - 3.5
Nancy Drew: Warnings at Waverly Academy - 3.5
Nancy Drew: Secret of the Old Clock - 3.5
Nancy Drew: Last Train to Blue Moon Canyon - 3.5
Nancy Drew: Danger By Design - 3.5
Nancy Drew: The White Wolf of Icicle Creek - 3.5
Nancy Drew: The Creature of Kapu Cave - 3.5
Nancy Drew: Trail of the Twister - 3.5
Nancy Drew: Secrets Can Kill REMASTERED - 3.5
Nancy Drew: Shadow at the Water's Edge - 9.99
Nancy Drew: Shadow at the Water's Edge [Mac Download] - 9.99
Nancy Drew: The Captive Curse - 9.99
Nancy Drew: The Captive Curse [Mac Download] - 9.99
Nancy Drew: Alibi in Ashes - 9.99
Nancy Drew: Alibi in Ashes [Mac Download] - 9.99
Nancy Drew: Tomb of the Lost Queen - 9.99
Nancy Drew: Tomb of the Lost Queen [Mac Download] - 9.99
Nancy Drew: Treasure In The Royal Tower - 4.99
Nancy Drew: Message in a Haunted Mansion - 4.99
Nancy Drew: The Secret of Shadow Ranch - 7.49
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: The Phantom of Venice - 3.5
Defense Grid Containment Bundle - 4.99
StarDrive - 10.2
Endless Space Emperor Special Edition - 10.2
Endless Space: Disharmony - 3.4
Endless Space Gold Edition - 11.9
Adam's Venture - 1.25
Dark Fall: Lost Souls - 2.49
Darkness Within: In Pursuit of Loath Nolder - 2.49
Killing Floor - 4.5
Red Orchestra - 2.49
Baron Wittard - 2.49
Darkness Within 2 - 2.49
Wings of Luftwaffe DLC - 2.75
Wings of Prey - 3.75
Wings of Prey - Collector's Edition - 6.25
Family Farm - 3.75
Nuclear Dawn - 2.49
Oil Rush - 3.99
Armada 2526 - 3.75
Starpoint Gemini - 4.98
Blades of Time Limited Edition - 9.99
Gemini Wars - 4.98
LHOD Society of the Serpent Moon - 4.98
Adam's Venture 3 - 1.25
Adam's Venture 2 - 1.25
SOL: Exodus Collector's Edition - 2.49
Cristiano Ronaldo Freestyle - 1.25
Tiny Troopers - 1.25
Tiny Troopers - 1.25
The Good Life - 2.49
ABC Coloring Town - 1.25
Alphabet Robots Mahjong - 1.25
Balloon Blowout - 1.25
Fantastic 4 In A Row 2 - 1.25
Fantastic Checkers 2 - 1.25
Letter Land Mahjong 2 - 1.25
Mahjong Deluxe 2 - 1.25
Drip Drip - 2.5
Drip Drip - 2.5
Jewel Quest Mysteries: The 7th Gate - 0.99
Jewel Quest Heritage for Kindle Tablet - 0.99
Jagged Alliance: Crossfire - 7.4975
Tropico 4 DLC - Pirate Heaven - 1.2475
Sine Mora - 2.4975
Tropico 4: Megalopolis - 1.2475
Tropico 4: Vigilante - 1.2475
Omerta: City of Gangsters - 19.995
Tropico3: Absolute Power - Expansion - 2.4975
Tropico Reloaded - 1.7475
Tropico 3 - 2.4975
Tropico 4 - 7.4975
Tropico 4: Collectors Bundle - 9.9975
Tropico 4 - 7.4975
Tropico 4 - Junta Military DLC - 1.2475
Tropico 4 - Quick-Dry-Cement DLC - 1.2475
Omerta: City of Gangsters: The Con Artist - 2.495
Anna: Extended Edition - 4.995
Omerta: City of Gangsters: Damsel in Distress - 2.495
Jagged Alliance: Collector's Bundle - 9.9975
Omerta: City of Gangsters: The Arms Industry - 2.495
DARK - 19.995
Tropico Trilogy - 4.9975
Tropico 4: Military Junta DLC - 1.2475
Tropico 4: Voodoo - 1.2475
Tropico 4: Voodoo - 1.2475
Port Royale 3 Gold - 7.4975
Tropico Collection - 9.9925
Tropico 4 - Plantador Production DLC - 1.2475
Tropico 4: Quick-dry Cement DLC - 1.2475
Jagged Alliance - Back in Action - 9.9975
Tropico 4 - Modern Times DLC - 4.9975
Manhunter - 4.99
Euro Truck Simulator 2 - 11.99
Alien Breed : Assault - 2.49
Alien Breed : Descent - 2.49
Alien Breed : Impact - 2.49
Alien Breed Trilogy - 4.59
Superfrog HD - 2.49
Worms - 1.99
Worms Armageddon - 7.49
Worms Blast - 1.99
Worms Clan Wars - 12.49
Worms Collection - 22.49
Worms Crazy Golf - 2.49
Worms Pinball - 1.99
Worms Reloaded Game of the Year Edition - 6.25
Worms Revolution - 7.49
Worms Revolution Season Pass - 7.49
Worms Ultimate Mayhem - 3.75
http://www.amazon.com/dp/B007WWW2C8 The Walking Dead - 6.25
http://www.amazon.com/dp/B00DRKJ7VI The Walking Dead: 400 Days - 1.25
http://www.amazon.com/dp/B00ELJRCDO Walking Dead Pack - 7.49
Duck Tiles - 1.99
Bulldozer - 1.99
SQUIDS - 1.75
The Bridge - 4.99
Spectromancer + League of Heroes + Truth and Beauty + Gathering of Power Bundle - 1.99
Chivalry: Medieval Warfare - 12.49
ANNO 2070 - The Eden Project Complete Pack DLC - 5.2
ANNO 2070 - The Financial Crisis Complete Pack - 5.2
ANNO 2070 - 19.49
Assassin's Creed 2 - 12.99
Assassin's Creed 2 Deluxe Edition - 12.99
Assassin's Creed Brotherhood [Mac Download] - 12.99
Assassin's Creed II [Mac Download] - 12.99
Assassin's Creed Revelations - Gold Edition - 19.49
Assassin's Creed Revelations - Mediterranean Traveler Map Pack DLC - 6.49
Assassin's Creed Revelations - The Ancestors Character Pack DLC - 2.59
Assassin's Creed Revelations - The Lost Archive DLC - 6.49
Assassin's Creed Revelations - 12.99
Assassin's Creed: Brotherhood - 12.99
Assassin's Creed: Brotherhood Deluxe Edition - 19.49
Assassin's Creed: Director's Cut Edition - 12.99
Babel Rising - Mac - 6.49
Babel Rising - Sky's the Limit DLC - 1.94
Babel Rising - Sky's the Limit DLC Mac - 1.94
Babel Rising - 6.49
Beyond Good & Evil - 6.49
Blazing Angels 2: Secret Missions of WWII - 6.49
Blazing Angels Squadrons of WWII - 6.49
Brain Spa - 6.49
Brothers in Arms Earned in Blood - 6.49
Brothers in Arms Road to Hill 30 - 6.49
Call of Juarez 2: Bound in Blood - 6.49
Call of Juarez: The Cartel - 12.99
Cold Fear - 6.49
CSI: Crime Scene Investigation: Hard Evidence - 6.49
CSI: Deadly Intent - 6.49
CSI: Fatal Conspiracy - 12.99
Dark Messiah: Might & Magic - 6.49
Dawn of Discovery Gold - 12.99
Dawn of Discovery: Venice - 6.49
Driver San Francisco - Deluxe Edition - 16.24
Driver San Francisco - Standard Edition - 12.99
Driver San Francisco [Mac Download] - 12.99
Driver: Parallel Lines - 6.49
Far Cry - 32 Bit OS Only - 6.49
Far Cry 2: Fortune's Edition - 6.49
From Dust - 9.74
Heritage of Kings: The Settlers - 6.49
Heroes of Might and Magic V - 6.49
Heroes of Might and Magic V: Hammers of Fate - 6.49
Heroes of Might and Magic V: Tribes of the East - 6.49
Heroes Over Europe - 6.49
I Am Alive - 9.74
IL-2 STURMOVIK: CLIFFS OF DOVER - 12.99
Lock On - 6.49
Mad Riders - Daredevil Map Pack - 1.94
Mad Riders - 6.49
Might & Magic Clash Of Heroes - 6.49
Might & Magic Heroes VI: Pirates of the Savage Sea Adventure Pack - 6.49
Might & Magic: Clash of Heroes - I Am the Boss DLC Pack - 1.94
NCIS - 6.49
Peter Jackson's King Kong - 6.49
Petz Catz 2 - 6.49
Petz Horsez 2: Pippa Funnell Rescue Ranch - 6.49
Petz Sports - 6.49
Prince of Persia - 6.49
Prince of Persia: The Sands of Time - 6.49
Prince of Persia: The Two Thrones - 6.49
Prince of Persia: Warrior Within - 6.49
R.U.S.E. - 6.49
R.U.S.E. - 6.49
R.U.S.E. DLC 3 - 6.49
R.U.S.E: The Chimera DLC-Pack - 4.54
Rayman 3 Hoodlum Havoc - 6.49
Rayman Origins - 12.99
Rayman Raving Rabbids - 6.49
Shaun White Skateboarding - 6.49
Shaun White Snowboarding - 6.49
Splinter Cell Conviction - Insurgency Pack - 6.49
Tom Clancy's EndWar - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter 2 - 6.49
Tom Clancy's H.A.W.X 2 - 6.49
Tom Clancy's H.A.W.X 2 Deluxe - 9.74
Tom Clancy's H.A.W.X. - 6.49
Tom Clancy's H.A.W.X. 2 : The Open Skies - 6.49
Tom Clancy's Rainbow Six Lockdown [Game Download] - 6.49
Tom Clancy's Rainbow Six Vegas - 6.49
Tom Clancy's Rainbow Six Vegas 2 - 6.49
Tom Clancy's Splinter Cell - 6.49
Tom Clancy's Splinter Cell Chaos Theory - 6.49
Tom Clancy's Splinter Cell Conviction [Mac Download] - 12.99
Tom Clancy's Splinter Cell Conviction Deluxe - 12.99
Tom Clancy's Splinter Cell Double Agent - 6.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Pro Cycling Manager 2013 - 14.99
Pro Cycling Manager 2013 - 14.99
Wargame Airland Battle - 13.59
Magrunner: Dark Pulse [Thin Game Download] - 6.79
Mars: War Logs - 6.79
Cities XL Platinum - 7.49
Cities XL Platinum - 7.49
Blood Bowl: Chaos Edition - 7.49
The Testament of Sherlock Holmes - 7.49
The Testament of Sherlock Holmes - 7.49
Adventure Bundle - 14.99
RPG Bundle - 34.99
Game of Thrones - 9.99
DLC Quest - 0.99
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
The Asskickers - 3.1936
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
Megabyte Punch - 7.49
Critical Mass - 0.49
Metal Dead - 1.25
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Sountrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 33.49
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99
THE SIMS 3 70s, 80s, & 90s STUFF (PC/MAC) - 9.99
THE SIMS 3 Diesel STUFF PACK (PC/MAC) - 9.99
THE SIMS 3 DRAGON VALLEY (PC/MAC) - 9.99
THE SIMS 3 FAST LANE STUFF (PC/MAC) - 9.99
THE SIMS 3 GENERATIONS (PC/MAC) - 9.99
THE SIMS 3 HIDDEN SPRINGS - 9.99
THE SIMS 3 HIGH-END LOFT STUFF (PC/MAC) - 9.99
THE SIMS 3 INTO THE FUTURE (PC/MAC) - 22.49
THE SIMS 3 MASTER SUITE STUFF (PC/MAC) - 9.99
THE SIMS 3 MONTE VISTA (PC/MAC) - 9.99
THE SIMS 3 MOVIE STUFF (PC/MAC) - 9.99
THE SIMS 3 OUTDOOR LIVING STUFF (PC/MAC) - 9.99
THE SIMS 3 PETS (PC/MAC) - 9.99
THE SIMS 3 SHOWTIME (PC/MAC) - 9.99
THE SIMS 3 SUPERNATURAL (PC/MAC) - 9.99
THE SIMS 3 TOWN LIFE STUFF (PC/MAC) - 9.99
THE SIMS 3 WORLDS BUNDLE - 9.99
THE SIMS MEDIEVAL (PC/MAC) - 9.99
THE SIMS MEDIEVAL PIRATES AND NOBLES (PC/MAC) - 9.99
MASS EFFECT 3 - 6.99
MASS EFFECT 3 - 6.99
BULLETSTORM - 4.99
DEAD SPACE - 4.99
DEAD SPACE 2 - 4.99
MASS EFFECT - 4.99
MASS EFFECT 2 - 4.99
SIM CITY 4 DELUXE - 4.99
SYNDICATE - 4.99
THE SIMS 3 AMBITIONS (PC/MAC) - 14.99
THE SIMS 3 LATE NIGHT (PC/MAC) - 9.99
THE SIMS 3 PLUS SHOWTIME (PC/MAC) - 14.99
THE SIMS 3 PLUS SUPERNATURAL (PC/MAC) - 14.99
THE SIMS 3 STARTER PACK - 14.99
THE SIMS 3 UNIVERSITY LIFE (PC/MAC) - 14.99
THE SIMS 3 WORLD ADVENTURES (PC/MAC) - 9.99
MASS EFFECT 3 DIGITAL DELUXE - 9.99
BATTLEFIELD: BAD COMPANY 2 ULTIMATE DIGITAL COLLECTION - 8.99
MEDAL OF HONOR ULTIMATE DIGITAL COLLECTION - 8.99
SPORE ULTIMATE DIGITAL COLLECTION - 9.99
THE SIMS 3 ISLAND PARADISE (PC/MAC) - 19.99
THE SIMS 3 PLUS PETS (PC/MAC) - 19.99
THE SIMS 3 SEASONS (PC/MAC) - 19.99
ALICE: MADNESS RETURNS THE COMPLETE COLLECTION - 7.49
CRYSIS 2 MAXIMUM - 7.49
CRYSIS MAXIMUM - 7.49
MASS EFFECT 2 DIGITAL DELUXE EDITION - 7.49
THE SIMS 3 DELUXE (PC/MAC) - 24.49
THE SIMS 3 PLUS ISLAND PARADISE (PC/MAC) - 24.49
Burning Hot Bundle - 5.99
Kingdoms of Amalur Complete Bundle - 8.49
Vintage Sports Pack - 8.49
Medal of Honor Warfighter pack (Game + DLC) - 7.49
Have Faith Bundle - 4.99
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Memoria - 13.19
The Night of the Rabbit - 9.99
1 PLEX: EVE Online [Game Connect] - 16.95
2 PLEX: EVE Online [Game Connect] - 29.75
6 PLEX: EVE Online [Game Connect] - 89.25
12 PLEX: EVE Online [Game Connect] - 178.49
28 PLEX: EVE Online [Game Connect] - 416.49
1 Month Subscription: EVE Online [Game Connect] - 11.25
3 Months Subscription: EVE Online [Game Connect] - 29.13
6 Months Subscription: EVE Online [Game Connect] - 53.77
12 Months Subscription: EVE Online [Game Connect] - 98.55
Painkiller Hell & Damnation Collector's Edition - 5.49
Rooks Keep - 4.99

*Starts 11/22/2013*

S.T.A.L.K.E.R. Call of Pripyat - 9.995
Expeditions: Conquistador - 13.3933
Thunder Wolves - 6.6933
Air Conflicts: Pacific Carriers - 9.995
Galaxy on Fire 2 HD - 9.995
Party of Sin - 2
Party of Sin - 2
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475

*Starts 11/23/2013*

The Book of Unwritten Tales Deluxe Edition - 4.99
The Book of Unwritten Tales Deluxe Edition - 4.99
reef Shot - 2.99

*Starts 11/24/2013*

Inspector Cyndi in Newport--UNFINISHED SYMPHONY - 4.99
Inspector Cyndi in Newport--FALL FROM GRACE - 4.99
Crossed Quotes - 2.49
Jewels of the Nile - 2.99
Crystal Caverns of Amon-Ra - 2.99
Billiards Champ - 2.99
101 Pony Pets - 2.99
Dynasty of Egypt - 2.99
Supreme Commander: Forged Alliance - 2.99
Supreme Commander - 2.99

*Starts 11/25/2013*

Party of Sin - 5
Party of Sin - 5
Kilgazar (Desura) - 2.99
Kilgazar - 2.99
Kilgazar - 2.99
Kilgazar (Desura) - 2.99

*Starts 11/26/2013*

Hell Yeah! - 4.99
Hell Yeah! Virtual Rabbit Missions DLC - 1.87
Hell Yeah! Pimp my Rabbit DLC - 1.02
Hell Yeah! Collection - 6.29
Renegade Ops - 4.79
Renegade Ops 4 pack - 9.99
Reinforcement Pack - 1.0465
Cold Strike Campaign - 1.69
Renegade Ops Collection - 5.29
Red Faction Armageddon - 3.99

*Starts 11/27/2013*

Test Drive: Ferrari Racing Legends - 14.99
Pat Sajak's Lucky Letters - 4.99
Indigo Prophecy - 4.99
Project Runway - 9.99
Test Drive Unlimited 2 - 9.99
911: First Responders - 9.99
Backyard Sports: Rookie Rush - 14.99
Ghostbusters: The Video Game - 4.99
Haunted House - 9.99
Ghostbusters: Sanctum of Slime - 4.99
Yars Revenge - 4.99
Star Raiders - 4.99
Puzzler World - 9.99
Rollercoaster Tycoon 2: Triple Thrill Pack - 4.99
Rollercoaster Tycoon 3: Platinum - 9.99
Swashbucklers - 4.99
Tactical Ops - 9.99
The UnderGarden - 4.99
Baldur's Gate Enhanced Edition - 9.99
Rollercoaster Tycoon Pack (Rollercoaster Tycoon 3: plat + Roller coaster Tycoon 2 - 9.99
Test Drive Pack (Ferrari racing + Unlimited 2) - 14.99
Empire: Total War - Gold Edition - 19.99
Napoleon: Total War - Gold Edition - 14.99
Rome: Total War Gold Edition [Mac Download] - 12.5
Tribes: Ascend Game of the Year Edition - 7.49
Inversion - 4.99
Dark Souls: Prepare To Die Edition - 7.49
Ace Combat: Assault Horizon - 7.49
Star Trek - 4.99
RIDGE RACER Unbounded - 4.99
MUD - FIM Motorcross World Championship - 7.49
Pac-Man and the Ghostly Adventures - 19.99
Pac-Man Championship Edition DX+ - 4.99
Enslaved: Odyssey to the West Premium Edition - 9.99
Mishap 2: An Intentional Haunting - 2.49
Mishap 2: An Intentional Haunting - 3.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Antiques Roadshow - 2.49
Burger Time Deluxe - 1.69
Cat Wash - 1.69
Dig Dug - 0.99
Everything Nice - 1.69
Garters & Ghouls - 1.19
Gwen the Magic Nanny - 1.69
Journabullet Journey: The Eye of Odin - 1.69
Knightfall: Death and Taxes - 1.69
Mishap: An Accidental Haunting - 0.99
PAC-MAN - 0.99
PAC-MAN Pizza Parlor - 1.69
Pool Pro Online 3 - 2.49
Star Trigon - 1.69
The Otherside: Realm of Eons - 0.99
Tinseltown Dreams - The 50's - 1.69
Sniper Elite V2 - 5.99
Rogue Trooper - 1.49
Sniper Elite V2 - Kill Hitler DLC Pack - 2.39
Sniper Elite V2 - The Neudorf Outpost DLC Pack - 1.49
Sniper Elite V2 - The Landwehr Canal DLC Pack - 1.49
Sniper Elite: Nazi Zombie Army - 4.49
Sniper Elite: Nazi Zombie Army 4 Pack - 11.99
Sniper Elite V2 Bundle - 9.99
The Lord of the Rings Online: Quad Pack - 19.99
The Lord of the Rings Online: Riders of Rohan - 9.99
The Lord of the Rings Online: Samwise Gamgee's Starter Pack - 6.99
Dungeons & Dragons Online: Shadowfell Conspiracy Standard Edition - 14.99
Dungeons & Dragons Online: Shadowfell Conspiracy Collector's Edition - 24.99
Making History II: The War of the World - 4.99

*Starts 11/28/2013*

http://www.amazon.com/dp/B0098QPPL6 Battlefield 3: Premium Edition - 13.99
http://www.amazon.com/dp/B0087STJLS Battlefield 3: Premium Service - 11.49
http://www.amazon.com/dp/B008MNJYI6 Battlefield 3 Ultimate Shortcut Bundle - 9.49
http://www.amazon.com/dp/B00DNHLFQA Command & Conquer The Ultimate Collection [PC Instant Access] - 7.49
http://www.amazon.com/dp/B009IR1SR0 Command and Conquer The Ultimate Collection - 7.49
NiGHTS into Dreams - 3.39
Sonic Adventure 2 - 3.39
Sonic Adventure 2 Battle Mode DLC - 1.02
http://www.amazon.com/dp/B00AWRPEJI Sonic and SEGA All-Stars Racing Transformed - 4.99
Sonic and SEGA All-Stars Racing Transformed 4-Pack - 14.99
Binary Domain - 4.99
Binary Domain Collection - 7.79
Final Fantasy XIV: A Realm Reborn - 14.99
Final Fantasy XIV: A Realm Reborn Collector's Edition - 24.99
Joe Danger - 5.996
Joe Danger 2: The Movie - 5.996
Joe Danger Bundle - 9.996
Risen - 1.99
Risen 2 : Dark Waters - 3.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 5
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 4.99
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
http://www.amazon.com/dp/B00GJ1XDJY Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.49
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 4.99
BioShock [Mac Download] - 4.99
BioShock 2 [Mac Download] - 4.99
Titan Quest Gold - 3.99
Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Sonic Generations - 7.49
Sonic Generations Casino Night DLC - 0.39
Sonic The Hedgehog 4 Episode 1 - 2.49
Sonic The Hedgehog 4 Episode 2 - 3.7475
Viking: Battle For Asgard - 3.7475
Total War: ROME II - 39.99
Total War: ROME II: Greek States Culture Pack - 5.9925
Warhammer 40,000: Dawn of War II - 4.99
Warhammer 40,000: Dawn of War II - Chaos Rising - 4.99
Warhammer 40,000: Dawn of War II: Retribution - 7.49
Total War Master Collection - 16.99
Warhammer 40,000: Dawn of War II: Complete Collection - 24.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
Batman: Arkham Origins - 19.99
LEGO Marvel Heroes - 19.99

*Starts 11/29/2013*

30 Day Membership: RuneScape 3 [Game Connect] - 3.95
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
RIP Trilogy - 1.24
Specforce - 1.24
Alpha Prime - 1.24
Biathlon 2009 - 1.24
Chains - 1.24
Greed - 1.24
GTI Racing - 1.24
Ice Land 2 - 1.24
Nikopol-Secret of the Immortals - 1.24
Obulis - 1.24
Race Team Manager - 1.24
Space Trader - 1.24
Vigil: Blood Bitterness - 1.24
Winter Sports 2009 - 1.24
Vigil: Blood Bitterness - 1.24
RIP Trilogy - 1.24
Chains - 1.24
Obulis - 1.24
Nikopol-Secret of the Immortals - 1.24
Alpha Prime - 1.24
Deadly 30 - 1.24
Hacker Evolution: Untold - 1.49
The Chosen-Well of Souls - 1.49
Chrome - 1.79
Chrome - 1.79
Battle Mages - 1.99
Gear Grinder - 1.99
Daemonica - 2.49
Shadowgrounds - 2.49
Tank Universal - 2.49
Tank Universal - 2.49
Stellar Impact - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Bridge Constructor - 2.49
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Scratches - Director's Cut - 2.49
Trapped Dead - 2.49
Post Apocalyptic Mayhem - 2.49
Al Emmo and The Lost Dutchman's Mine - 2.49
Australia Zoo Animal Links - 2.49
Avencast: Rise of the Mage - 2.49
Bus Driver - 2.49
Crash Time 2 - 2.49
Dark Matter - 2.49
Future Wars - 2.49
Hacker Evolution - 2.49
Hard Truck: Rise of the Clans - 2.49
Operation Matriarchy - 2.49
Penguins Arena - 2.49
Space Hack - 2.49
Xpand Rally Xtreme - 2.49
Wasteland Angel - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Crash Time 2 - 2.49
Avencast: Rise of the Mage - 2.49
Future Wars - 2.49
Space Trader - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Scratches - Director's Cut - 2.49
Stellar Impact - 2.49
Trapped Dead - 2.49
Penguins Arena - 2.49
Grotesque Tactics 2 Dungeons and Donuts - 2.49
Unstoppable Gorg - 2.49
Battle Mages: Sign of Darkness - 3.79
Hot Dog King - 3.79
Pacific Storm - 3.79
Pacific Storm Allies - 3.79
Shadowgrounds Survivor - 3.79
Pacific Storm Allies - 3.79
Pacific Storm - 3.79
Steller Impact bundle - 3.99
Grotesque Tactics 2 Dungeons and Donuts - 4.99
Big Rig Europe - 4.99
Deer Drive - 4.99
Great Journey - 4.99
Dark Bundle - 6.49
Grotesque pack - 6.49
M4 Danger Pack - 8.29
M4 Family Pack - 8.49
M4 Action Pack - 9.29
Stronghold Crusader HD - 6.99
Space Colony HD - 6.99
BOUNCEBACK- Stronghold HD FREE with Purchase of Stronghold Kingdoms (B0083LD2TE) - 0
Mighty Castle Pack: Stronghold Kingdoms [Instant Access] - 4.99
Top Gun Hard Lock - 2.49
http://www.amazon.com/dp/B00DCDTSRI PAYDAY 2 - 9.99
http://www.amazon.com/dp/B00DGD0DUK PAYDAY 2 4-Pack - 29.99
TAKEDOWN: Red Sabre - 3.68
Brothers - A Tale of Two Sons - 7.49
Marlow Briggs and the Mask of Death - 7.49
How to Survive - 7.49
Fast and Furious: Showdown - 19.99
The Walking Dead: Survival Instinct - 24.99
The Walking Dead: Survival Instinct - Walker Herd Survival Pack - 2.49
Cabela's Bundle - 24.99
Cabela's Dangerous Hunts 2013 - 14.99
Cabela's Hunting Expeditions - 14.99
Caesar III - 1.49
Transformers: Fall of Cybertron - 29.99
Transformers: War for Cybertron - 9.99
Transformers: War for Cybertron - 9.99
Prototype - 9.99
Prototype - 9.99
Prototype 2 - 19.99
Blockland - 4.99
Blockland - 4.99
3,500 Marvelous Coins: Pandora Saga [Game Connect] - 2.5
7,000 Marvelous Coins: Pandora Saga [Game Connect] - 5
14,000 Marvelous Coins: Pandora Saga [Game Connect] - 10
35,000 Marvelous Coins: Pandora Saga [Game Connect] - 25
70,000 Marvelous Coins: Pandora Saga [Game Connect] - 50
3,500 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 2.5
7,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 5
14,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 10
35,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 25
70,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 50
3,500 Marvelous Coins: Battle Space [Game Connect] - 2.5
7,000 Marvelous Coins: Battle Space [Game Connect] - 5
14,000 Marvelous Coins: Battle Space [Game Connect] - 10
35,000 Marvelous Coins: Battle Space [Game Connect] - 25
70,000 Marvelous Coins: Battle Space [Game Connect] - 50
GRID 2 - 15.99
F1 2012 - 12.49
Dirt 3 - 12.49
Dirt Showdown - 14.99
GRID - 7.49
F1 2011 - 14.99
Operation Flashpoint Red River - 7.49
Operation Flashpoint Dragon Rising - 7.49
Overlord - 1.99
Overlord 2 - 4.99
F1 2010 - 12.49
Hospital Tycoon - 1.99
Clive Barkers Jericho - 1.99
Overlord Raising Hell - 4.99
Rise of the Argonauts - 4.99
Maelstrom: The Battle for Earth Begins - 1.99
Damnation - 4.99
F1 Race Stars - 9.79
Codemaster Action Pack - 9.49
F1 2013 - 31.99
F1 2013 Classic Edition - 41.49
Racing Pack (GRID + Dirt 3 + Dirt Showdown) - 9.99
Crysis 3 Complete Pack - 9.99
Dead Space 3 Complete Pack - 15.99
Need for Speed Bundle - 19.99
The Secret World - 10.19
MonstaFish - 1.99
Frozen Hearth - 8.25
Uprising 44: The Silent Shadows - 4.99
Bounders & Cads - 2.49
Tabletop Defense - 3.33
Don't Starve - 7.495
Castlevania: Lords of Shadow - Ultimate Edition - 14.99
Pro Soccer Evolution 2014 -
Kingdom Tales - 6.6933
1953 KGB Unleashed - 9.995
Agricultural Simulator 2012 - 4.995
Bridge Project - 9.995
Farming Giant - 9.995
I Am Vegend - 4.995
Agricultural Simulator 2011 Gold Edition - 3.7475
Chernobyl Terrorist Attack - 2.4975
Farm 2 - 2.4975
GTR Evolution - 3.7475
Hotel - 1.7475
Snowcat Simulator 2011 - 4.9975
Sudokuball Detective - 2.4975
The Surfer - 2.4975
Where Angels Cry - 2.4975
Woodcutter Simulator 2012 - 4.9975
Zooloretto - 2.4975
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Paradox Action Pack - 5.99
Paradox Grand Strategy Pack - 14.99
Aliens vs. Predator - 3.59
Swarm Pack - 1.87
Bughunt - 1.87
Aliens vs. Predator Collection - 5.99
Jet Set Radio - 2.49
Alpha Protocol - 3.74
Space Siege - 3.74
10 Gold: Age of Wushu [Instant Access] - 2.7
100 Gold: Age of Wushu [Instant Access] - 27
200 Gold: Age of Wushu [Instant Access] - 54
30 Gold: Age of Wushu [Instant Access] - 8.1
300 Gold: Age of Wushu [Instant Access] - 81
50 Gold: Age of Wushu [Instant Access] - 13.5
It came from space, and ate our brains - 0.99
Defiance - 4.99
Defiance Digital Deluxe Edition - 14.99
Defiance Digital Deluxe Upgrade - 9.99
Bastion - 3.69
FEAR Ultimate Shooter Edition - 2.49
LEGO Batman - 4.99
LEGO Batman 2: DC Super Heroes - 7.49
LEGO Batman Pack - 11.49
LEGO Harry Potter: Years 5-7 - 4.99
LEGO Harry Potter: Years 1-4 - 4.99
LEGO Lord of the Rings - 7.49
Mortal Kombat Arcade Kollection - 2.49
Scribblenauts Unmasked - 26.79
Vanguard Princess - 2.5
FIFA 14 - 29.99
FIFA 14 [PC Instant Access] - 29.99
FIFA Manager 14 Legacy Edition - 13.99
Need For Speed Rivals - 35.99
SimCity [PC Instant Access] - 29.99
SimCity - Standard (Online Game Code) - 29.99
SimCity Cities of Tomorrow - 26.99
Sega Fun Pack - 9.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
http://www.amazon.com/dp/B00GJ2I1UE LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
http://www.amazon.com/dp/B00GJ2I2GW Scribblenauts Pack - 14.99
Call of Duty: Ghosts - 44.99
Call of Duty: Ghosts Hardened Edition - 99.99
DuckTales: Remastered - 7.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 0.99
Eve Online: Starter Pack - Caldari Explorer - 0.99
EVE Online: Starter Pack - Asteroid Miner - 0.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 0.99
Metro 2033 - 3.74
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 14.99
Saints Row: The Third - 5
Saints Row the Third - The Full Package - 7.5
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
EVE Online: Starter Pack - Plasma Planet Command - 0.99
Battlefield 4 - 29.99
Battlefield 4 [PC Instant Access] - 29.99
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
http://www.amazon.com/dp/B007VFH3BQ Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.99
Assassin's Creed III - 7.49
Assassin's Creed III - 7.49
Assassins Creed III: Deluxe Edition - 14.99
Far Cry 3 Deluxe + Far Cry 3 Blood Dragon Bundle - 14.99
Might&Magic X Legacy Early-Access - 19.99
Far Cry 3 + Far Cry 3 Blood Dragon Bundle - 14.99
Rocksmith 2014 - 39.99
Mortal Kombat Komplete Edition - 14.99


important !important !important
*Starts 11/30/2013*

Party of Sin - 2
Party of Sin - 2
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Darksiders - 3.99
Darksiders II - 9.99
Darksiders II Season Pass (DLC) - 3.99
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
Battlefield 4 - 39.99
Battlefield 4 [PC Instant Access] - 39.99

*Starts 12/01/2013*

Trainz Trouble - 2.49
My First Trainz Set - 4.99
Trainz Simulator 12 - 19.99
Trainz Simulator 2010 Engineers Edition - 4.99
Trainz Simulator: Blue Comet Addon Pack [Game Download - 4.99
Trainz Simulator 2009: World Builder Edition [Game Download] - 2.49
Foursquare - 2.49
Slider - 2.49
Word Jungle - 2.49
Casual Strike - 2.99
Jewel Drop - 2.99
Jewel Labyinth - 2.99
Bible Hangman Quest - 2.99
PlayPets: 101 PuppyPets - 2.99
Sonic everywhere pack - 17.49
Neocolonialism - 4
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99

*Starts 12/02/2013*

Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Metro 2033 - 3.75
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 18.7
Saints Row: The Third - 4.99
Saints Row the Third - The Full Package - 7.49
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
Risen - 1.99
Risen 2 : Dark Waters - 4
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 4.99
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 5
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.5
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 5
Battlefield 3 - 4.79
Battlefield 3 [PC Instant Access] - 4.79
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Company of Heroes 2: Theatre of War - Case Blue DLC Pack - 4.99
Company of Heroes 2 (Digital Collectors Edition) - 49.99
Company of Heroes 2 (Standard Edition) - 29.99
Company of Heroes 2 Barbarossa Skin Pack - 9.99
Company of Heroes 2 Starter Camo Bundle - 3.99
Company of Heroes 2 Starter Commander Bundle - 4.49
Total War Grand Master Collection - 29.99
Sonic Adventure - 2.2375
Crazy Taxi - 2.2375
SEGA Bass Fishing - 2.2375
Space Channel 5: Part 2 - 2.2375
Dreamcast Collection - 6.99
Warhammer 40,000: Space Marine - 6.99
Warhammer 40,000: Dawn of War 1 & 2 Franchise Collection - 29.99
Company of Heroes - 2.49
Company of Heroes - Opposing Fronts - 4.99
Company of Heroes - Tales of Valor - 4.99
Company of Heroes - Complete Pack - 7.49
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.49
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
Mortal Kombat Komplete Edition - 14.99
Skulls of the Shogun: Bone-a-Fide Edition - 4.99


Video Games Deals

Amazon Coupons
g: -1 Posted By: remick
Views: 224 Replies: 0 http://www.amazon.com/dp/B00DCNNJG4

Tie customer-driven strategies to service operations and process management, and sharpen your focus on creating customer value throughout your entire service organization! This comprehensive, multidisciplinary reference thoroughly covers today's most effective theories and methods for managing service organizations, drawing on innovative insights from economics, consumer behavior, marketing, strategy, and operations management. Leading experts Cengiz Haksever and Barry Render provide Crucial insights into emerging service operation and supply chain topics, reinforcing key points with up-to-date case studies. Service Management contains a valuable chapter-length introduction to linear and goal programming and its services applications; and also addresses many other topics ignored by competitive texts, such as:
Service SCM methods and approaches
Focusing on customers and their service purchase behavior
Service productivity
Managing public and private nonprofit service organizations
Vehicle routing and scheduling
Ethical challenges to SCM
Service Management will be an invaluable resource for senior and mid-level managers throughout any service organization, and for students and faculty in any graduate or upper-level undergraduate program in service management, service operations management, or operations management
Books Deals

Amazon Coupons
g: -1 Posted By: remick
Views: 241 Replies: 0 http://www.amazon.com/dp/B007BLO6GU

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

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

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

Amazon Coupons
How to effectively negotiate with credit card companies?
Added on : Saturday November 16th 2013 03:00:05 AM
g: 0 Posted By: ecohezzy
Views: 102 Replies: 1 I'm in debt with credit card companies. The why of how that happened is something I've reviewed extensively within myself through much soul searching, daily spending monitoring, counseling, reading advice on all kinds of forums, workbooks and books from the library.
What I need advice on, and hoping someone here can help me out with...is how to negotiate effectively with the credit card companies.
As of this date, I've not been late on a payment for any kind of bill in...gosh, I don't know...30 yrs?
But, things are what they are, and the end of this month will be the first time I'm going to have choose which bills do not get paid, I truly do not have enough money to pay all my bills.
The ideal strategy for me at this point, is to talk to 3 of my credit card agencies and ask them to accept a lower than minimum payment for the next 6 months.
I've run the numbers dozens of times, and it truly could work. Not saying that in 6 months everything will be fine, but that six months will allow me, if saving me 300 per month, the chance to get back on track (with working every bit of OT I can get).
A bonus would be if they didn't make a negative report, but at this point, I really can't get too concerned about my credit score.
What I don't want to pay late: Mortgage, Insurance, Auto Payment (unfortunately,, my car recently bit the dust, so I had to go buy a used one, no cash so had to finance).
I've read numerous articles and I think this is what I should do,, but if you have any other constructive advice, please let me know.
So, I figure I call them up, politely ask if the customer service rep I'm speaking to has the ability to lower payments or interest rates, if they don't, ask to speak to someone who does.
When and if I get switched to that person, I will ask to make sure they have proper contact information for me including email and phone, and I will ask how I can contact them in the future, getting their name and ID if possible.
Then I should be completely honest and explain that I've been their customer for X number of years, never late on payment, and without tears or excuses just explain that I'm facing the inability to pay all my bills.
Ask to have interest rate reduced, possible plan to pay them x number of dollars for 6 months, then back to normal.
I don't know if anyone has ever had any success with this course of action, if you have, I'd love to hear about it. If you haven't, I'd love to hear that also, thanks in advance.

Credit Deals
g: 0 Posted By: khom
Views: 488 Replies: 13 I wasn't able to find any posts related to this topic in the forums, so I'm hoping I can get some helpful feedback on this.

I'm in the snow belt, along the north east, and have a sports car that I never drive in the winter. The ideal scenario would be to store the car for the winter, and drop auto insurance altogether until spring rolls around, when it is re-activated. (Let's assume there is theft/damage protection for the vehicle that is covered by property insurance.) For motorcycles (in most states), you don't have to surrender the license plates when you drop insurance for winter storage. Unfortunately, they don't do this for cars, as the plates would have to be turned in before your insurance carrier will allow you to drop coverage. When spring comes around, the car would have to be re-registered anew. What's worse, is that DMV makes you cough up 2 years of registration fees, and you can stand to lose the remaining portion if you attempt this.

Given this scenario, to avoid the hassle of turning in plates in the fall and re-registering for the spring, the insurance coverage can be dropped to the bare minimum of liability coverage. So, once spring rolls around, one would just have to re-adjust their insurance coverage.

Has anyone used this strategy? Is there a better way?

TIA

Discussion Deals
Save by reducing auto insurance coverage while car stored for winter?
Added on : Friday November 15th 2013 02:00:04 AM
g: 0 Posted By: khom
Views: 8 Replies: 0 I wasn't able to find any posts related to this topic in the forums, so I'm hoping I can get some helpful feedback on this.

I'm in the snow belt, along the north east, and have a sports car that I never drive in the winter. The ideal scenario would be to store the car for the winter, and drop auto insurance altogether until spring rolls around, when it is re-activated. (Let's assume there is theft/damage protection for the vehicle that is covered by property insurance.) For motorcycles (in most states), you don't have to surrender the license plates when you drop insurance for winter storage. Unfortunately, they don't do this for cars, as the plates would have to be turned in before your insurance carrier will allow you to drop coverage. When spring comes around, the car would have to be re-registered anew. What's worse, is that DMV makes you cough up 2 years of registration fees, and you can stand to lose the remaining portion if you attempt this.

Given this scenario, to avoid the hassle of turning in plates in the fall and re-registering for the spring, the insurance coverage can be dropped to the bare minimum of liability coverage. So, once spring rolls around, one would just have to re-adjust their insurance coverage.

Has anyone used this strategy? Is there a better way?

TIA

Discussion Deals
***DEAD *** FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Wednesday November 13th 2013 12:00:07 PM
g: 5 Posted By: archena
Views: 4057 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

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.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

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!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
Totally Free Deals
Is buying a put justified?
Added on : Monday November 11th 2013 08:00:08 AM
g: 0 Posted By: needdealsnow
Views: 72 Replies: 0 A newbie at options trading here. Here is asituation:
Situation Got some shares at a low price due to a company action in the middle of the year. Current profit before tax is nearly 20k. Profit after short term taxes is 11K (45% marginal tax rate). If the stock is sold in the middle of next year, long term capital gains rates will kick in. Tax liability will reduce to 15%. Net profit after tax will be 17K

Problem: Stock is at a multi-year high. 10% movement in a week is not uncommon. But it is trending up and is closely correlated to S&P. So if S&P goes down, it will go down. How to handle the risk of losing 20K to save 6k?

Strategy: buy puts at the current price as strike expiring in the middle of next year. Current cost of buying the puts is about $3500

Results: if stock goes below the current price - put is exercised. Profit before tax is 16.5K (20k minus cost of the put). Profit after tax is 14k. If the stock goes up, the put expires worthless. Net profit after tax is equal to profit*0.85 minus cost of put. This could be a lot more than 14K

Question: Would you spend 3.5K to buy puts in this situation?
Investing Deals
g: 4 Posted By: archena
Views: 2366 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
Totally Free Deals
g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

You would only read this book if you are brazen enough to think your message has a right to be heard in the marketplace. And that means you need to take another look beneath the ice-berg because frankly - snappy branding just doesnt cut it anymore.
Have you ever wondered what it takes for every part of your business to stay on brand? How many more times must you remind your team (and sometimes yourself) that going through the motions is not the same as delivering on the brand promise. Disappointing customers with generic service just because you have other things to get done or increases in loss of market share because of a weak brand message. Or poor business structures that fail miserably to amplify your brand.
Suddenly you begin to notice that being a brand is more than just a clever logo and for the first time you realize that your business if failing your brand.
If only you knew how to prevent your business from ruining your brand.
You are certainly not alone. Most leaders, whether in small business, not for profit or private practice wrongly attempt to understand first the science of business when instead they should concentrate on building an artful brand.
Brands Dont Grow on Trees is a vibrant business conversation that unites two seemingly opposing forces - the art of a mission marketing approach with the science of managing a business.
This culminates in the 4 Pillars of the BrandCULTURE EQ framework which states that there is an intelligence required to successfully execute a brand focused business growth strategy.
Those 4 Pillars include 1) Customer Advocacy 2) Brand Development 3) Cultural Mapping and 4) Management Structures. And as a result this process unravels the riddle that afflicts passionate leaders -which is how do I integrate my brand message with my business - not just for today for days to come?

Brands Dont Grow on Trees is written within the 4 sections of the BrandCULTURE EQ framework, and proposes the following:
1. Customer Advocacy says that before you undertake any strategic move in business you must first know and care about what your customers care about. To do this means as a leader you need to shift from a mindset that is product-orientated to one that is centered upon championing not just the wants or needs of your market but also the mission and the message that your market needs to hear.

2. Brand Development branding is just the tip of the ice-berg and the activity of branding does come close to what happens when you look beneath the ice-berg and start to develop your brand and connect your brand to your daily operations. Becoming a brand, whether on a local or global scale means you become more concerned with developing deep roots that are 100% aligned with brand message - that says we are here for a mission here for a purpose.

3. Cultural Mapping of all the species, humans are the only ones that ignore their instincts and activate the least amount of their senses. A bird can sense a change in weather signals and avoid perishing in a tsunami yet a boss fails to notice or take action when that staff member rolls their eyes when discussion on brand values is tabled at a meeting. Moving forward, mission leaders need to adopt a higher sensory awareness if they want to ensure that both the internal and external communication of their brand message remains positive.

4. Turnkey Structures For once and for all, if ever there was a good reason to finally get on top of implementing proper systems within your business all you need to do is take notice of the trillion-dollar global industry that is based upon selling a system. That industry is franchising. Franchising is known for building small businesses indicative of a strong brand and rock solid systems. And that very system that amplifies the brand.

But what is far more important is the thinking behind designing the system which is more about building a brand and not just building a business.
Books Deals

Amazon Coupons
Stock + option situation
Added on : Saturday November 09th 2013 11:00:09 AM
g: 0 Posted By: NeoDough
Views: 65 Replies: 1 Hi everyone,

I have long been a fan of the FW forums and finally decided to join. I really love the level of financial sophistication, insight, and experience you all have. I am hoping for some thoughts/ideas on a situation I am very likely to find myself in in the coming weeks. First of all, I have a call set up with a tax advisor for Tuesday (so no need to tell me to seek professional help! ) but the more thoughts, the better...

I joined a startup several years ago and have a combination of stock options - some are NQSOs, some are ISOs. Almost fully vested. I also have a number of actual shares of the stock (via options I've exercised over the years). Some shares have been held more than a year, some less than a year.

It now looks like acquisition is imminent. At the moment it looks like the acquisition will be in cash. Unvested options will probably be accelerated (although that is of least concern to me.)

My stock+options in the company look about like this:

30% of my holdings are in common stock held longer than 1 year [likely to be worth ~$1-2M] (yay, long-term cap gains!)
10% of my holdings are in common stock held less than 1 year [<$1M]
10% are in vested, unexercised NQSOs [<$1M]
50% are in vested, unexercised ISOs [$2-4M]

My main question for you tax wizards out there is this:

Is there any (legal) way to protect the vested, unexercised options from being taxed as ordinary income? I realize I'm lucky and I'm not complaining, but saving $1M+ in taxes is obviously appealing. If there are any quick moves I can make now that might help in that regard, I want to make them - and fast. I can exercise them now, I guess, which will at least move them from my 1099/W-2 over to my Schedule D, but that's not going to make any difference without a strategy.

I'm willing to be aggressive and creative, but not willing to do anything illegal or in a gray area.

Thanks in advance!
Personal Finance Deals
A Used Car Buying Strategy
Added on : Friday November 08th 2013 09:00:11 AM
g: 0 Posted By: stinGTime
Views: 197 Replies: 3 A used car buy strategy

I recently purchased a vehicle on craigslist. The guy was nice enough to tell me what the carmax offered and I just put couple hundred dollars on top of it.

What do you guys think about just camping outside carmax and offering small incentive on top of carmax's written offer. That has to be a good deal right because carmax will typically fleece sellers.
General Economics Deals
*** DEAD *** FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Wednesday November 06th 2013 06:00:17 AM
g: 10 Posted By: archena
Views: 2852 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
Veterans: Free Use of Social Security Solutions Nov 11th
Added on : Wednesday November 06th 2013 04:00:11 AM
g: 0 Posted By: turtlebug
Views: 166 Replies: 0 Link
This Veterans Day, Kiplinger Washington Editors (which publishes Kiplingers Personal Finance magazine), Social Security Solutions and Wells Fargo are partnering to offer one-day free access to an online retirement planning tool for all active-duty and retired military members and their widows. With this report, military families will get recommended strategies for claiming Social Security and explanations about how the choices affect what theyll get.

This Veterans Day, Kiplinger's Social Security Solutions will offer its powerful online tool free to all veterans. The highly regarded tool will create a personalized report showing how when you claim Social Security benefits will affect how much you (and your spouse, if married) will receive each month. The tool will suggest a claiming strategy to maximize your benefits that could add $100,000 or more to your lifetime income.
Totally Free Deals
FREE Kindle Book - ROAR: Strengthening business performance .. was $9.99
Added on : Tuesday November 05th 2013 07:00:15 AM
g: 0 Posted By: archena
Views: 48 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Friday November 01st 2013 04:00:16 AM
g: 1 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 321 Replies: 0 http://www.amazon.com/dp/B00COGYQQ2

A brand new collection of authoritative guides to marketing innovation

4 authoritative books deliver state-of-the-art guidance for more innovative, more effective, more measurably successful marketing!

This 4-book collection will help you bring world-class innovation to marketing and everything that touches it! Start with Making Innovation Work: a formal process that can help you drive top and bottom line growth from innovation throughout marketing and beyond. Packed with new examples, it will help you define the right strategy for effective marketing innovation structure organizations and incentivize teams to innovate implement management systems to assess your progress effectively use metrics from idea creation through commercialization. Next, in Real-Time Marketing for Business Growth, top business consultant Monique Reece offers a proven, start-to-finish blueprint for igniting profitable, sustainable growth. Reeces PRAISE process builds growth through six interrelated steps: Purpose, Research, Analyze, Implement, Strategize, and Evaluate/Execute. She demonstrates how to use fast, agile real-time planning techniques that are tightly integrated with execution how to clarify your companys purpose, customer value, and best opportunities fix sales and marketing problems that have persisted for decades accurately measure marketings real value combine proven traditional marketing techniques with new social media practices systematically and continually improve customer experience and lifetime value. Then, in Marketing in the Moment, leading Web marketing consultant Michael Tasner shows exactly how to drive maximum value from advanced Web, online, mobile, and social marketing. Discover which new technologies deliver the best results (and which rarely do)... how to use virtual collaboration to executive marketing projects faster and at lower cost... how to build realistic, practical action plans for the next three months, six months, and twelve months. Finally, in Six Rules for Brand Revitalization, Larry Light and Joan Kiddon teach invaluable lessons from one of the most successful brand revitalization projects in business history: the reinvigoration of McDonalds. Larry Light, the Global CMO who spearheaded McDonalds breakthrough marketing initiatives, presents a systematic blueprint for resurrecting any brand, and driving it to unprecedented levels of success. Light and Joan Kiddon illuminate their blueprint with specific examples, offering detailed dos and donts for everything from segmentation to R&D, leadership to execution. If youre in marketing (or anywhere near it) this collections techniques can powerfully and measurably improve your performance, starting today!

From world-renowned marketing experts Tony Davila, Marc Epstein, Robert Shelton, Monique Reece, Michael Tasner, Larry Light, and Joan Kiddon
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 11 Replies: 0 http://www.amazon.com/dp/B008MLNMD6

4 remarkable eBooks help you lead more successfully by leading more ethically

Honor, ethics, and compassion are central to effective leadership. Now, an extraordinary new eBook collection reveals why this is true, and how you can lead more honorably and successfully in your own organization. In Winners Never Cheat: Even in Difficult Times, New and Expanded Edition, Jon M. Huntsman shows how to succeed at the top, without sacrificing the principles that make life worth living. Huntsman personally built a $12 billion company from scratch, the old-fashioned way: with integrity. Now, he tells you how he did it, and how you can, too. Along the way, he offers a powerful reminder of why you work, and why you were chosen to lead. Next, in Lead with LUV: A Different Way to Create Real Success, the legendary Ken Blanchard ("The One Minute Manager") and former Southwest Airlines CEO Colleen Barrett help you achieve amazing results by leading with love. They explain what "love" really means in the organizational context, why leading with love is not "soft" management, how to handle inappropriate behavior, how to make "servant leadership" work, and how to sustain leadership with love. In Moral Intelligence 2.0: Enhancing Business Performance and Leadership Success in Turbulent Times, Doug Lennick and Fred Kiel show why sustainable optimal business performance requires superior moral and emotional competencies. Using new case studies, they identify connections between moral intelligence and higher levels of trust, engagement, retention, and innovation. They deliver specific guidance on moral leadership in both large organizations and entrepreneurial ventures, plus a new step-by-step plan for measuring and strengthening organizational integrity, responsibility, compassion, and forgiveness. Finally, in The Power of Communication, Helio Fred Garcia focuses on the most indispensable leadership discipline: honorable and effective communication. Building on the U.S. Marine Corps' classic publication Warfighting, Garcia how to apply the Corps' proven leadership and strategy doctrine in all forms of public communication - and achieve truly extraordinary results. You'll learn indispensable lessons from leaders communicating effectively, and from the catastrophic mistakes of business and political leaders who got it wrong. If you need to earn and win hearts and minds, you need this book now.

From world-renowned business leaders, executive coaches, and consultants Helio Fred Garcia, Ken Blanchard, Colleen Barrett, Jon M. Huntsman, Doug Lennick, and Fred Kiel
g: 0 Posted By: remick
Views: 188 Replies: 0 http://www.amazon.com/People-Cant-Drive-Crazy-ebook/dp/B009G1PI2E/

Strange as it may seem, other people are not nearly as committed to our happiness as we are. In fact, sometimes they seem like they're on a mission to make us miserable! There's always that one person. The one who hijacks your emotions and makes you crazy. The one who seems to thrive on drama. If you could just "fix" that person, everything would be better. But we can't fix other people--we can only make choices about ourselves. In this cut-to-the-chase book, communication expert Mike Bechtle shows readers that they don't have to be victims of other people's craziness. With commonsense wisdom and practical advice that can be implemented immediately, Bechtle gives readers a proven strategy to handle crazy people
Books Deals

Amazon Coupons
FREE Kindle Book - History's Greatest Generals was $6.59
Added on : Friday October 25th 2013 02:00:12 PM
g: 0 Posted By: archena
Views: 31 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

History's Greatest Generals: 10 Commanders Who Conquered Empires, Revolutionized Warfare, and Changed History Forever [Kindle Edition] was $6.59

Michael Rank (Author)

http://www.amazon.com/dp/B00FYRKZRM

Publication Date: October 16, 2013

Publisher: Five Minute Books

3 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Military

#1 inKindle Store > Kindle eBooks > History > Military > Strategy

#1 inKindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & Spies




From the #1 bestselling author of The Crusades and the Soldiers of the Cross comes an exciting new book on the greatest minds of military leadership in history.

Whether it is Hannibal of Carthage marching elephants across the Alps and attacking the heart of Rome, Khalid ibn al-Walid boasting an undefeated military career and destroying the Persian Empire while subduing the Byzantines, or Russian General Alexander Suvurov and his elevation of the bayonet to a work of art that could cut down any European army, great military leaders have exerted tremendous influence on society.

This book will look at the lives of the ten greatest military commanders in history. Some conquered the fullest expanse of the known world, as did Alexander the Great. Still others were master statesmen and capable of translating military victory into long-term political gains, such as Julius Caesar, whose vanquishing of the Gauls and his political opponents laid the groundwork for several centuries of unmatchable Roman imperial might.

It will also look at the tactics they used to bring down stronger armies and befuddle them at every turn; whether it is Napoleon, who nearly conquered Europe through his deadly manoeuvre sur les derrieres and marching unexpectedly away from the enemy's main strength and concentrating on a weak but vital enemy point; or Hannibal's double entrapment maneuver, which has been the envy of military strategists for the last 2,000 years.

Whatever their background, these rulers show that the right military commander at the right time in history can destroy an empire, change civilization, and alter the course of world history forever.


Books & Magazines Deals
FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Thursday October 24th 2013 06:00:14 AM
g: 0 Posted By: archena
Views: 34 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

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.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

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!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
Totally Free Deals
Free Forex Trading Book
Added on : Monday October 21st 2013 03:00:08 AM
g: 0 Posted By: BigReader
Views: 45 Replies: 0 For those interested in financial trading - this book is free right now

The Holy Grail Forex Trading System ( Foreign Exchange Day Trading ): Was this the ultimate financial currency daytrading strategy[Kindle Edition]
http://www.amazon.com/dp/B00CAWOMZU
g: 2 Posted By: remick
Views: 207 Replies: 0 http://www.amazon.com/Sustainability-Organization-Collection-Operations-Management-ebook/dp/B008V9TDCI

A brand new collection of state-of-the-art techniques for building more sustainable, higher-performing organizations now in a convenient e-format, at a great price!

Three 100% practical primers help you drive competitive advantage by optimizing sustainability and operational performance

To compete in todays extraordinarily competitive global environment, organizations need to achieve new levels of sustainability and operational performance. This brand-new package brings together three practical, state-of-the-art primers for doing just that. Robert Palevichs The Lean Sustainable Supply Chain offers start-to-finish guidance for redesigning company infrastructure and technologies to achieve the powerful benefits that come with integrating "lean" and "green." and benefits. Palevich introduces core concepts of lean green supply chain management, illuminating them with a comprehensive case study showing how to manage change, innovation, talent, execution, inventory, warehousing, and transportation. He demonstrates how to integrate supply chain sustainability into business scorecards; use 3PLs more effectively; drive more value from information, and systematically address every relevant technical issue. Next, in Creating a Sustainable Organization, Peter A. Soyka presents todays most complete and actionable guide to improving business performance through sustainable practices. Soyka bridges the disparate worlds of the EHS/sustainability professional and the investor/analyst, outlining todays best evidence about linkages between sustainability and value, discussing key stakeholder relationships, and introducing new practices for managing and measuring sustainability throughout the business. Finally, Arthur V. Hills The Encyclopedia of Operations Management is todays most convenient and useful supply chain/operations management "field manual." Bringing together nearly 1,500 well-organized definitions, it helps you quickly map all areas of these fields, from accounting and distribution through quality management, strategy, transportation, and warehousing. Throughout, Hill offers a shared language and realistic insights for improving any process and supporting any training program.

From world-renowned supply chain and operations experts Robert Palevich, Peter A. Soyka, and Arthur V. Hill
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 196 Replies: 0 http://www.amazon.com/Building-Digital-Analytics-Organization-Integrating-ebook/dp/B00E5F2QSK

Generate Maximum Economic Value from Leading-Edge Digital Analytics and Data Science.
The complete business practitioner's guide to profiting from analytics on big data.
Build a focused, highly effective, cross-functional, process-oriented analytics organization, backed by the right support from other teams, funded by management, and perceived as successful by business stakeholders.
Learn and apply best practices for every task when executing digital analysis--from planning and strategy to optimization and demonstrating value creation.
Digital analytics can help you grow value in virtually any market or industry in any country. To make the most of it, however, you need to create a highly-effective digital analytics organization--and that's not easy. Self-service reports, relevant dashboards, and other tools and techniques can help.

But they're only the beginning.

This guide covers all you need to know to build a well-resourced digital analytics team, and then back it with cross-functional support and alignment from IT, marketing, finance, the executive team, and beyond...while successfully applying analytics across the business. You will learn what it means to be "doing analytics": creating analytical processes and managing teams; collecting and governing data; analyzing paid, owned, and earned media; performing competitive and qualitative analyses; testing and optimization; targeting and automating; integrating digital data; using predictive modeling and other data sciences; and much more.
Drawing on years as a pioneer in the field, Judah Phillips covers the business management, process, technical, and analytical work required to tell accurate "data stories" that answer Crucial business questions.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/Body-Broken-Republicans-Democrats-Same-ebook/dp/B00F5KX78M

Can Christians Be Political Activists without Hating Each Other?

As the next presidential election comes into view, Americans are deciding where to stand on key issues. The church has often been as politically divided as the culture, but Charles Drew offers an alternative for people who care deeply about their faith, about Christian harmony, and about the church's calling in the world. In this updated and revised version of A Public Faith (NavPress 2000), Drew helps Christians develop practical biblical convictions about critical social and political issues.

Distinguishing between moral principle and political strategy, Body Broken equips believers to maintain the unity of the church while building their political activism upon a thoughtful and biblical foundation. Drew helps Christians of all political persuasions understand how to practice servanthood, cooperation, and integrity in today's public square.
--
Charles D. Drew, M.Div., has pastored for thirty years in Virginia, Long Island, and New York, all in university settings. He presently serves as the senior minister of Emmanuel Presbyterian Church, which he founded in 2000 near Columbia University. He speaks frequently to university groups and churches and is the author of The Ancient Love Song and A Journey Worth Taking. He and his wife, Jean, have two married children and two grandchildren.
Books Deals

Amazon Coupons
Die Hard 1 - 5: The Legacy Collection (Blu-ray) $34.49 at Amazon
Added on : Saturday October 19th 2013 11:00:04 AM
g: 1 Posted By: Ayla
Views: 743 Replies: 0 .
Die Hard 1 - 5: The Legacy Collection (Blu-ray)


http://www.amazon.com/Die-Hard-Legacy-Collection-Blu-ray/dp/B00D...


Price: $34.49

~~~~~~~~~~~~~~~~~~~~~~

http://www.walmart.com/ip/Die-Hard-1-5-The-Legacy-Collection-Blu...


Price: $39.96

List Price: $59.99
Blu Ray Deals

Walmart Coupons
35 AAdvantage miles per dollar spent on ebags.com
Added on : Sunday October 13th 2013 05:00:05 PM
g: 0 Posted By: njdealguy
Views: 10 Replies: 0 Hi, Theres a deal going on through eBags.com in the AAdvantage shopping portal where can earn 35 AAdvantage miles per dollar spent. So thats basically like buying AA miles at 2.8 cents per point before accounting for the purchased merchandise.

I'm looking for a strategy where can find any items on that site where reselling on eBay would lose me no more than 20-30% of the purchase price. So basically if I spend 3000 buying stuff, and lose 600 after reselling on eBay ,would have basically earned 105k AA points for the $600 cost.
Credit Deals
Anyone ever been on a Congressional Campaign Committee?
Added on : Thursday October 10th 2013 06:00:04 PM
g: 0 Posted By: bbr
Views: 24 Replies: 0 I have been asked to be on a US Congressional Campaign Committee (2014 election). I think it's basically just to help with fundraising. There are already some political consultants to help with strategy and whatnot. Asking other people for money is not in my comfort zone, but this is a family friend so I'd like to help any way I can. If anyone has any experience with this type of thing, I'd like to hear of your experience. Specifically.....

1. What was expected of you and how did you handle it?
2. Was it worth the effort?
3. Was there any benefit to you other than the satisfaction of knowing you helped?

I'd be interested to know what benefits I could get out of this assuming my candidate wins. I doubt I'd like to work in DC but I really have no idea if that would even be an option.

Also, if you were a large donor to a campaign, what benefits did you receive?
Personal Finance Deals
Buy One Get One 50% off Halloween Pet Costumes @ Walmart - $5.00
Added on : Tuesday October 08th 2013 05:00:02 PM
g: 0 Posted By: Virgil27
Views: 334 Replies: 0 Buy One Get One 50% off Halloween Pet Costumes @ Walmart - $5.00
Shipping adds $4.97.Halloween isn't just for humans! Let man's best friend get in on the action as Darth Vader, Batman and more with this BOGO 50% deal on pet costumes with Cash Back! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Pets Deals

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

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

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

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

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

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

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

Nonveterans may purchase personalized claiming strategies at http://kiplinger.socialsecuritysolutions.com/.
Personal Finance Deals
Some Free Kindle Books
Added on : Monday October 07th 2013 02:00:06 AM
g: 1 Posted By: remick
Views: 185 Replies: 0 Mortal Error: The Shot That Killed JFK [Kindle Edition]
http://www.amazon.com/Mortal-Error-Shot-Killed-ebook/dp/B00FNXRCR8

The Scott Massacre of 1817 [Kindle Edition]
http://www.amazon.com/The-Scott-Massacre-1817-ebook/dp/B00B7SS3S0

Occupy Iraq: A Soldier's Tale of Combat [Kindle Edition]
http://www.amazon.com/Occupy-Iraq-Soldiers-Combat-ebook/dp/B00FL9EMMC

Zen Jiu Jitsu [Kindle Edition]
http://www.amazon.com/Zen-Jiu-Jitsu-ebook/dp/B0093QHNBG

Vanderbilt's Life Changing Lessons - Cornelius Vanderbilt On Money, Success & Life (Vanderbilt, Andrew Carnegie, John D Rockefeller, JP Morgan, Henry Ford, The Tycoons) [Kindle Edition]
http://www.amazon.com/Vanderbilts-Life-Changing-Lessons-ebook/dp/B00FFROOF0

Henry Ford's Life Changing Lessons - Henry Ford on Money, Success & Life (Henry Ford, Success, John D Rockefeller, Vanderbilt, JP Morgan, The Tycoons) [Kindle Edition]
http://www.amazon.com/Henry-Fords-Changing-Lessons-ebook/dp/B00FFS2X9I

JP Morgan's Life Changing Lessons - JP Morgan on Money, Success & Life (JP Morgan, Andrew Carnegie, John D Rockefeller, Vanderbilt, Henry Ford, The Tycoons) [Kindle Edition]
http://www.amazon.com/Morgans-Life-Changing-Lessons-ebook/dp/B00FFS2VJA

Beyond the Pink Moon: A Memoir of Legacy, Loss and Survival (Special Edition) [Kindle Edition]
http://www.amazon.com/Beyond-Pink-Moon-Survival-ebook/dp/B004HYHESG

The Pink Moon Lovelies: Empowering Stories of Survival [Kindle Edition]
http://www.amazon.com/The-Pink-Moon-Lovelies-ebook/dp/B00CA4ZS0Q

Modern Card Counting - Professional Blackjack Strategy [Kindle Edition]
http://www.amazon.com/Modern-Card-Counting-Professional-ebook/dp/B0058TU2O2

Grave Consequences: A Novel (Grand Tour Series) [Kindle Edition]
http://www.amazon.com/Grave-Consequences-Novel-Series-ebook/dp/B00B4KPN8E

Amazing Grays, Amazing Grace [Kindle Edition]
http://www.amazon.com/Amazing-Grays-Grace-ebook/dp/B00CGAH6AE

From Fear to Success: A Practical Public-speaking Guide [Kindle Edition]
http://www.amazon.com/From-Fear-Success-Public-speaking-ebook/dp/B009H8LB22

The Courage Within Us: Profiles In Disruption, 7 Essential Character Traits For Today's Crazy World [Kindle Edition]
http://www.amazon.com/The-Courage-Within-Disruption-ebook/dp/B00E9I6B5M

Totally Free Deals
g: 0 Posted By: remick
Views: 3 Replies: 0 http://www.amazon.com/gp/feature.html?docId=1001422011

For his fifth album, Mountains Of Sorrow, Rivers Of Song, Lee took a different path for the recording; he worked in a new city with a new producer, while, for the first time, he brought his touring band into the studio with him. The twelve songs that resultedthe follow-up to 2011's chart-topping Mission Bellbring Amos into new sonic territory, while retaining the trenchant impact of the scenes, characters, and stories in his writing.

Though Amos says that his primary strategy has always been to keep things as simple as possible, he knew that there was one thing he required for Mountains Of Sorrow, Rivers Of Song, which was to record with the musicians he has been taking on the road. "I wanted to play these songs with people that I trust musically, and stay open to where it took us," he says. "The touring band works really hard, they're really musical, they're a good hang, so it was cool to hole up for a few weeks and experience it together. In the singer-songwriter world, it can be sort of a solitary creative process, so it's good to collaborate with people and bring songs to life together."

As Amos considers his accomplishment with Mountains Of Sorrow, Rivers Of Song, he acknowledges the new ground he has broken, but saves his pride for the set's consistency and cohesiveness. "It's a bunch of songs from 1 to 12 you can listen to together," he says. "That notion of an album may be antiquated, but as someone whose mind has always been set to that, as a performer and as a listener, I still feel inclined to do it."Listen to Mountains Of Sorrow, Rivers Of Song free up until its release date, October 7.
Totally Free Deals
Affordable Care Act penalty-tax avoidance
Added on : Tuesday October 01st 2013 08:00:12 AM
g: -1 Posted By: okwiater
Views: 225 Replies: 15 There are some other threads already about the Affordable Care Act (aka ObamaCare) specifically as it relates to healthcare premiums. However, the purpose of this thread is toexclusivelydiscuss strategies and considerations for avoidance of the penalty-tax that will be imposed for not complying with the new law. As someone who is facing monthly insurance premium increases from $483/month to over $1,200/month and a deductible increase from $5,000/year to $12,700/year, I am seriously considering not enrolling in a qualified health plan (QHP), incurring the penalty-tax, and simply managing my withholdings so as not to ever pay it.

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

The strategy under consideration:

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

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

Any feedback, thoughts, advice, or other considerations?
General Economics Deals
g: 0 Posted By: remick
Views: 138 Replies: 0 http://www.amazon.com/Grow-Great-Marijuana-Presents-ebook/dp/B00F209C52

Exactly what are these microscopic Plant vampires? This book reveals their strengths and weakness and shows how to go to war and win the fight against these prolific parasites of the cannabis plant (and whatever else you maybe growing).....

Finally all the answers you've been looking for in one place with no punches pulled. From organic solutions to all out chemical warfare this book has a strategy that will get your garden free of mites and keep it that way!
Books Deals

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

Amazon Coupons
Buying A New Car As 1099 For Fun And Deductions
Added on : Saturday September 21st 2013 10:00:06 AM
g: 0 Posted By: perpetualstudent
Views: 188 Replies: 0 I recently started some high paying 1099 consulting work and I'm looking at things to write off taxes that are quasi-business quasi-personal expenses but are legitimate in the eyes of the IRS.

I've wanted to buy an SUV for a while but I don't need one, my existing car is just fine, is fully paid off, and I bought my existing car brand new and own it fully. Financially it would be ridiculous for me to buy an SUV as a second vehicle. (I would keep my current car which gets great mileage).

To make the situation even more against buying an SUV, I dislike buying used cars because of the potential for headaches. I went out of my way to save up cash and buy my current car brand new, with the understanding I'd keep it for 15+ years/300k+ miles. It's a Honda Civic from 2005 and has just under 100k miles now. I hate wondering whether the previous owners smoked weed in the car and a police drug dog might ping on it. Or that they screwed something up that I find out later. And constantly needing repairs. When I buy new, and I'm the only person who drives it, I feel better about it.

Of course, buying new and taking a huge depreciation hit is what really makes buying a second vehicle stupid and how expensive collision/comprehensive insurance costs are in those first few years. Unless I buy it as a business vehicle! Here's the concept I'd like feedback on:

1) Buy the SUV that I want, brand new. Keep my Civic.
2) Claim the SUV as a business "expense", driving it to the airport, and leaving it parked there when I fly out.
3) The IRS can't argue that the SUV is a mixed personal/business use item because I'm keeping my Civic.
4) I get to depreciate something like 60% of the vehicle over 2 or 3 years, against my taxes
5) I'll probably stop doing traveling consulting work in 3 to 5 years when I get burned out, then I "keep" the SUV as a personal vehicle
6) By that point, I have a 5 year old SUV that's in nearly perfect condition with maybe 10k miles on it total because I only drove it to and from the airport twice a week. I bought it new, I maintained it well, and while on paper/KBB, it's worth less than half what I paid, it's essentially nearly worth a new SUV to me at that point compared to the value of an actual new SUV.

By doing this strategy, I still eat the depreciation of the vehicle, but I get to write off half of the depreciation against my taxes (since I'm nearly 50% tax bracket with everything added up).

In theory, one could do this with any car, and it might make more sense if doing it when you actually need to replace a car. Suppose I timed it such that I'm 5 years away from my 300k miles/15 year mark on my Civic where things start going back. I could buy a new Civic, barely drive it for 5 years just to and from the airport, and then at the 5 year mark, I have a 5 year old Civic that's like new, with 10k miles on it, and I retire/sell my old Civic.

Any flaws in this strategy? Will it work from an IRS perspective?

Is leasing better for this to work? I know little about it.
Personal Finance Deals
g: 0 Posted By: Ayla
Views: 206 Replies: 0 http://www.walmart.com/ip/Trademark-Poker-16-Deluxe-Roulette-Set...


Price: $21.99

Estimated Shipping: $5.97



http://www.amazon.com/Trademark-Poker-16-Inch-Roulette-Accessori...


List Price: $49.99
Price: $21.99

You Save: $28.00

Shipping: $5.58



Includes roulette felt, 120 chips, two balls, a 16-inch roulette wheel, and a rake
Opposite side of felt is a blackjack playing surface; two decks of cards included
Roulette wheel features a brass bushing insert to ensure in the wheel will spin smoothly
Chips are 7/8 inch diameter and are stamped with numbers




Game Deals

Amazon Coupons
g: 1 Posted By: Ayla
Views: 366 Replies: 0 http://www.amazon.com/Winsome-Wood-Table-Set-Walnut/dp/B000NPSM0...


List Price: $127.49
Price: $76.00

You Save: $51.49

FREE Shipping


These TV Trays are versatile- use them for entertaining or everyday
Constructed of solid Beachwood
This set comes with four tables and one storage rack



ALSO AT WalMart
~~~~~~~~~~~~~~~~

http://www.tscfurniture.com/wns-94419.html?productid=wns-94419&c...

Our Price: $86.00
FREE SHIPPING

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


OTHER KINDS ALSO AVAILABLE:
~~~~~~~~~~~~~~~~~~~~~~~~~~~

TSC Furniture:
~~~~~~~~~~~~~

http://www.walmart.com/ip/9203831

List Price: $96.00
Online: $75.00


WalMart:
~~~~~~~~

Linon Home Decor Products, Inc. Tray Table Set, Brown Faux Marble, Set of 4 Plus Stand:

http://www.walmart.com/ip/Linon-Home-Decor-Products-Inc.-Tray-Ta...

Online: $54.00
List Price: $59.00
You Save: $5.00


5-Piece Oblong TV Tray Set:

http://www.walmart.com/ip/5-Piece-Oblong-TV-Tray-Set/9203832?act...

Online: $76.00


5-Piece Curved Rectangular TV Tray Set, Walnut:

http://www.walmart.com/ip/9203831?

Online: $75.00
Furniture Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 137 Replies: 0 http://www.amazon.com/Making-Strategy-Work-Effective-ebook/dp/B00D45ZEMC

Without effective execution, no business strategy can succeed. This second edition delivers a powerful framework every leader can use to overcome the obstacles to successfully deploying business strategy. In this book, leading consultant and Wharton professor Lawrence Hrebiniak offers a comprehensive, disciplined process model for making strategy work in the real world. Drawing on his unsurpassed experience, Hrebiniak shows why execution is even more important than many senior executives realize, and sheds powerful new light on why businesses fail to deliver on even their most promising strategies. He offers a systematic roadmap for execution that encompasses every key success factor: organizational structure, coordination, information sharing, incentives, controls, change management, culture, and the role of power and influence in your business. With three new chapters, expanded coverage, and new examples, the Second Edition of this highly successful book is the definitive guide for turning strategy into action
Books Deals

Amazon Coupons
Fund/ETF for diversification without changing investment strategy?
Added on : Monday September 16th 2013 04:00:06 AM
g: 0 Posted By: IStillPickUpPennies
Views: 79 Replies: 1 Over the past ~8 years or so, I've been directing my own Roth IRA. I invest mostly in stocks. I typically invest in companies on bad news - I see something in the news, see that the stock price has nosedived, and then do a bit of research. If the stock seems to have become oversold on panic, I get interested. I bought BP when they had the oil well blowout, later got Netflix cheaply, and have done well with several others too. Of course, I've had some losses where my calculations and gut feelings didn't go my way, or I wasn't as patient as I should have been. I'm not exactly sure what this investment strategy might be called - it sounds kind of like extreme value investing, or maybe contrarian investing?

I still have a strong stomach for risk, but I don't want to spend as much time doing homework and watching the stocks. I was wondering, does there happen to be a mutual fund or ETF that follows a similar strategy - buying stocks only on bad news, when they become oversold much more than the numbers would actually seem to support selling. Then, holding for up to several years in the hope that the stock buying public will eventually see that things weren't really so bad.

Is there a specific name for this strategy, and if so, are there funds or ETF's that follow it? If so, I think it could not only help me diversify, but it could also give me a great place to automatically invest dividends from other stocks I have.

Thanks so much!
Investing Deals
Whoopi Goldberg 4 Film Favorites: $9.49 at Amazon and Walmart
Added on : Friday September 13th 2013 03:00:02 AM
g: 0 Posted By: Ayla
Views: 199 Replies: 0 http://www.amazon.com/Film-Favorites-Goldberg-Corrina-America/dp...

List Price: $14.99
Price: $9.49

Only 14 left in stock.At
FREE Shipping on orders over $25

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

http://www.walmart.com/ip/Whoopi-Goldberg-Collection-4-Film-Favo...

List Price: $14.99
Price: $9.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


Bogus
Clara's Heart
Corrina, Corina
Made In America


Number of discs: 3
Run Time: 444 minutes



DVD Deals

Amazon Coupons
g: 0 Posted By: Ayla
Views: 150 Replies: 0 http://www.walmart.com/ip/K-NEX-NASCAR-18-M-M-s-Transporter-Rig-...

WalMart Online Price: $14.97

~~~~~~~~~~~~~~~~~~~~~~

http://www.knex.com/nascar/product.php?pc=36138


K'Nex Price: $12.49



Build the transporter rig for your favorite driver's team - Kyle Busch and #18 M&Ms! Set includes 250+ parts and a K'NEXman figure in the driver's likeness. Once built, truck measures approximately 23" in length, representing 1:27 scale. And with a trailer big enough to fit two cars (sold separately) inside, you can put your Kyle Busch K'NEXman in the driver's seat and head to the track! Custom parts, sponsor logos and color schemes ensure that these rigs resemble the real thing. Package includes official Nascar hologram, with step-by-step building instructions inside. Recommended for builders ages 5+.


Build Kyle Busch's #18 M&M's Transporter Rig!
Includes over 250 colorful durable plastic K'NEX pieces
1:27 scale Transporter Rig replica measures 23" in length
Trailer large enough to hold 2 cars inside (sold separately)
Buildable Kyle Busch K'NEXman figure
Authentic sponsor logos and label sheet
Official Nascar hologram
Full-color step-by-step instructions
Collect all of the K'NEX Nascar Building Sets for even more racing action!
Ages 5 and up

Maxell M&M Kids Safe 4 in1 Headphones $11.35 & $14.97 at Amazon & Walmart
Added on : Friday September 13th 2013 01:00:02 AM
g: 0 Posted By: Ayla
Views: 59 Replies: 0 http://www.amazon.com/Maxell-Kids-Safe-Headphones-190570/dp/B003...

List Price: $14.99
Price: $11.35
Shipping: $5.74

You Save: $3.64
FREE Shipping on orders over $25

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

http://www.walmart.com/ip/Maxell-MMHP1-M-M-s-Kid-Safe-Headphones...

WalMart Price: $14.97
Shipping $9.97
No shipping if you pick it up


Headphone comes with 4 fun and colorful interchangeable caps
Controlled volume levels mean there is a safe volume range for kids (90dB max)
The foldable headphone design makes it easy to travel with
It's compatible with iPods
Since it's over the ear, it fits your child's ear better
Singer 1512 Beginners Sewing Kit, 130 pieces $7.42 at Amazon, and Walmart
Added on : Thursday September 12th 2013 11:00:01 PM
g: 0 Posted By: Ayla
Views: 73 Replies: 0 http://www.amazon.com/Singer-1512-Beginners-Sewing-pieces/dp/B00...

Also for the Same price at WalMart:

http://www.walmart.com/ip/Singer-Beginner-s-Sewing-Kit/17338020?...



List Price: $11.99
Price: $7.42
You Save: $4.57

FREE Shipping over $25



Singer 1512 Beginner's Sewing Kit contains all the basics for sewers and non-sewers alike.
Makes a perfect traveling companion, or as a child's, "My first sewing kit," gift
Kit includes a tomato pin cushion, tape measure, needle threader, marking pencils, sewing gauge, seam ripper, thimble, 8-inch bent trimmer scissors, polyester thread, hand needles and straight pins.
Made in China
All 130 pieces come in a reusable storage box measuring 8x7x1 inch.




Toys & Hobby Deals

Amazon Coupons
g: 0 Posted By: seodude
Views: 59 Replies: 0 Pay What You Want for Cross Platform Indie Game @ Humblebundle CHARITY
Six spectacular games to fill you with glee.
Humble Indie Bundle 9 features six wondrous games. Pay what you want and get the visually brilliant magical action-puzzle platformerTrine 2: Complete Story; the sleek side-scrolling stealth gameMark of the Ninja; the deliciously delightful physics-based puzzlerEets Munchies; and the heavy metal action/adventure/RTS rockerBrtal Legend. If you pay over the average, you'll also receive the award-winning space strategy simFTL: Faster Than Lightand the critically acclaimed adorably detailed puzzle platformerFEZ.
Pay what you want.If you bought all of these games separately, they'd cost you over $120, but we're letting you name your price!
Cross-platform and DRM-free.All of these games run great on Windows, Mac, and Linux (system requirementshere)! A purchase of $1 or more will also get you Steam keys!
Support vital charities.Choose how your purchase is divided: between the developers, the Child's Play Charity, the Electronic Frontier Foundation, or Watsi. And if you like this promotion, a tip to Humble Bundle would be greatly appreciated!

Video Games Deals
Free Kindle- Product Innovation and Technology Strategy (was $34.95)
Added on : Wednesday September 11th 2013 01:00:02 AM
g: 0 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/Product-Innovation-Technology-Strategy-ebook/dp/B006YDPS22
Books Deals

Amazon Coupons
g: 0 Posted By: lovelybones
Views: 108 Replies: 0 Use Code:GMG20-8MUTY-M21VN
Supreme Commander Gold Edition $4.00
Tropico 4 $8.00

Video Games Deals
Billy Barnwell CEO of EQCO2, Inc. (CLNO) Named In Fraud Lawsuit
Added on : Saturday September 07th 2013 07:00:09 PM
g: 0 Posted By: mikezaman1
Views: 20 Replies: 0 The first few months for Billy Barnwell as CEO of EQCO2, Inc. (CLNO) have been full of surprises including alleged fraud and misrepresentation.

Since the press release on Aug 20, 2013 in which Crown Equity Holdings Inc. (CRWE) announced it is seeking a cancellation of the Exchange Agreement between Discovery Carbon Environmental Securities and Cleantech Transit, Inc. and is notifying the SEC, FINRA and FBI of inappropriate solicitations, fraud and lack of transparency by EQCO2, Inc. CEO Billy Barnwell, Shad Sullivan for possible insider trading and more (http://finance.yahoo.com/news/crown-equity-holdings-inc-crwe-120200623.html), there have been further developments including alleged fraud and misrepresentation in a lawsuit filed on behalf of Crown Equity Holdings Inc. (CRWE) and ZAMAN & Co. CEO Mike Zaman.


On August 30, 2013, Crown Equity Holdings Inc. (CRWE) filed a legal Complaint in the District Court Clark County, Nevada, alleging breach of contract, nonperformance, fraud and misrepresentation against Discovery Carbon Environmental Securities, Inc. and EQCO2, Inc. (CLNO) CEO William Barnwell (http://crownequityholdings.com/CRWE_vs_EQCO2.pdf) with the Case No. A-13-687800-C (http://crownequityholdings.com/CaseDetail.aspx.htm). Arnold F. Sock serves as EQCO2, Inc. (CLNO) Secretary and CFO.You can find Current SEC Filings at http://crownequityholdings.com/sec_filings.html


Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995: This release includes forward-looking statements intended to qualify for the safe harbor from liability established by the Private Securities Litigation Reform Act of 1995. These forward-looking statements generally can be identified by phrases such as the Company or its management believes, expects, anticipates, foresees, forecasts, estimates or other words or phrases of similar import. Similarly, such statements in this release that describe the companys business strategy, outlook, objectives, plans, intentions, or goals also are forward-looking statements. All such forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those in forward-looking statements. These risks and uncertainties include among other things, product price volatility, product demand, market competition, and risk inherent in the operations of a company.
Discussion Deals
Royal Envoy game free (ends midnight pacific time Sept 7th)
Added on : Saturday September 07th 2013 08:00:07 AM
g: 0 Posted By: happypants
Views: 61 Replies: 0 I got this the previous time in was given away and it is a fun time management game.

http://game.giveawayoftheday.com/royalenvoy

Take the Kings challenge! Save the wonderful land of countless islands from the merciless forces of nature. Construct and upgrade homes and buildings for the island citizens and become the chief city planner of marvelous Islandshire. Think your way to triumph in this challenging and mesmerizing game of pirates, treasure and hot-air balloon adventures!Dont lose a chance to experience all of the exclusive Collectors Edition extras: Take a peek at the authentic artwork, learn how the characters were created, enjoy the original soundtracks or get the magnificent wallpapers that will turn your desktop into a magical kingdom!Features:

Unique blend of time management and strategy
9 delightful islands to rebuild
Great variety of homes and buildings to construct
Over 90 challenging levels with 8 bonus quests
Captivating storyline with charming and whimsical characters
Comprehensive guide, making-of, animated screensaver, gorgeous wallpapers, original soundtracks.

Totally Free Deals
g: 0 Posted By: MISTERCHEAP
Views: 190 Replies: 0 http://game.giveawayoftheday.com/royalenvoy/Take the Kings challenge! Save the wonderful land of countless islands from the merciless forces of nature. Construct and upgrade homes and buildings for the island citizens and become the chief city planner of marvelous Islandshire. Think your way to triumph in this challenging and mesmerizing game of pirates, treasure and hot-air balloon adventures!Dont lose a chance to experience all of the exclusive Collectors Edition extras: Take a peek at the authentic artwork, learn how the characters were created, enjoy the original soundtracks or get the magnificent wallpapers that will turn your desktop into a magical kingdom!Features:

Unique blend of time management and strategy
9 delightful islands to rebuild
Great variety of homes and buildings to construct
Over 90 challenging levels with 8 bonus quests
Captivating storyline with charming and whimsical characters
Comprehensive guide, making-of, animated screensaver, gorgeous wallpapers, original soundtracks.

Video Games Deals
Need New Federal Student Loans To Qualify For 10% IBR
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 1 Posted By: perpetualstudent
Views: 139 Replies: 2 I went to grad school in 2009 to 2011 for an MBA and took out massive student loans. While things were not unexpected, basically everything went as badly as they could. (A) not qualifying for in-state tuition. (B) massive tuition increase between first and second year (C) not qualifying for an assistantship either year (D) not obtaining a paid internship and working for free over the summer.

While I did have a risk plan going in, every single risk occurred simultaneously and my mitigation strategy for this outcome was to use Income Based Repayment and qualify for forgiveness after 25 years. Had at least half of the things went right, I intended to pay back the student loans within 5 years. But everything possible went wrong and $150k of federal student loans at a weighted average of 7.4% interest is not something I can reasonably pay back. While this intro has nothing to do with the question in the post, I list it for background information.

The strategy now is to legally use the system in my favor and that will involve taking new federal student loans, because our president's student loan executive order in 2012 only helps people who have at least one student loan in 2012 or later, and who have no loans prior to 2008. If I get in that plan, then my IBR drops from 15% of my discretionary income down to 10% and the 25 year repayment period drops to 20 years.

I ran the numbers and it would make sense for me to stop working for a year and do one more year of school, in any program, it doesn't matter what, just so I can take out new federal students and thus put all $150k onto the new 10%/20 year plan. The new IBR rules apply retroactively to all previous loans, if you have at least one loan in 2012, not just to loans in 2012 and later.

The problem is only federal student loans work and certain criteria, of which I'm not certain of, must be met in order for federal loans to cover tuition. It's my understanding it must be some kind of "degree-seeking program." I don't think I can get a federal student loan to cover massage therapy school, for example.

Can anyone recommend how I might get a new federal student loan issued, considering I already have an MBA and a BA degree?

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
g: 2 Posted By: archena
Views: 130 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Business Innovation Insights (Collection) (2nd Edition) (FT Press Delivers Collections) [Kindle Edition] was $122.99

Luke M. Williams (Author), Deepa Prahalad (Author), Robert Brunner (Author), Ravi Sawhney (Author), Jonathan Cagan (Author), Craig M. Vogel (Author)

http://www.amazon.com/dp/B00COGYQOY

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews
#3 inKindle Store > Kindle eBooks > Business & InvestingAn up-to-the-minute collection of techniques for jumpstarting innovation in any market, product, service, or process Hot new ideas for supercharging business innovation in any market, right now: 4 extraordinary books from world-renowned pioneers in all facets of innovation!This 4-book package brings together todays fastest, most powerful, most realistic solutions for jumpstarting innovation -- whatever you sell, whatever industry youre in! Youll discover how to change the playing field, leverage your customers insights and expertise, uncover huge unmet needs, craft great customer experiences, and make innovation repeatable throughout your organization. In Predictable Magic, veteran industrial designer Ravi Sawhney and business strategist Deepa Prahalad introduce a breakthrough approach for systematically creating deep emotional connections between consumers and brands seamlessly integrating corporate strategy with design transcending the utilitarian (or even the beautiful) to build products that powerfully connect, touch, and move people... again and again! Next, in Do You Matter?, legendary industrial designer Robert Brunner (who laid the groundwork for Apples brilliant design language) and Stewart Emery help you use design to consistently create products, services, and experiences that matter to customers lives -- and thereby drive powerful, sustainable improvements in business performance. Through case studies from leaders like Nike, Apple, BMW and IKEA, they introduce design-driven techniques for managing your entire experience chain defining effective design strategies and languages managing design using (and not abusing) research extending design values into marketing and manufacturing encouraging design innovations that open entirely new markets! Then, in Disrupt: Think the Unthinkable to Spark Transformation in Your Business, frog designs Luke Williams shows how to start generating (and executing on) a steady stream of disruptive strategies and unexpected solutions. Williams combines the fluid creativity of "disruptive thinking" with the analytical rigor thats indispensable to business success. The result: a simple yet complete five-stage process for imagining a powerful market disruption, and transforming it into a reality that catches your entire industry by surprise. Finally, in the highly-anticipated Second Edition of Creating Breakthrough Products: Revealing the Secrets that Drive Global Innovation, Jonathan Cagan and Craig Vogel offer an indispensable roadmap for uncovering new opportunities, identifying what customers really value today, and building products and services that transform markets. This edition contains brand-new chapters on service design and global innovation, new insights and best practices, and new case studies ranging from Navistars latest long-haul truck to P&Gs reinvention of Herbal Essence. You know how Crucial innovation has become this 4 book package will help you infuse it throughout your entire organization!From world-renowned business innovation experts Deepa Prahalad, Ravi Sawhney, Robert Brunner, Stewart Emery, Russ Hall, Luke Williams, Jonathan Cagan, and Craig M. Vogel
Books Deals

Amazon Coupons
Bank of America reduces branches, drive-through services, ATMs
Added on : Wednesday August 21st 2013 04:00:11 AM
g: 0 Posted By: tuphat
Views: 81 Replies: 0 Excerpts from Charlotte Observer article at: http://www.charlotteobserver.com/2013/08/20/4251121/bank-of-america-to-close-drive.html

In the latest move to scale back its branches, Bank of America is ending drive-up teller service at some locations, including in the Charlotte region.The reason? Too few people are using the drive-thru lanes, the bank says.

The move comes as the Charlotte-based lender is in cost-cutting mode, closing branches nationwide and shrinking its number of automated teller machines.

The strategy also impacts Bank of America branches across the country, from Atlanta to Detroit to Houston.

Bank of America has been closing branches nationwide as part of its Project New BAC, a plan that calls for the bank to save $8 billion a year by mid-2015. The bank has about 5,300 branches, down from about 5,700 two years ago. It aims to have 5,000 by the end of next year.In 2011, the bank had 17,800 ATMs. Now, it has approximately 16,350.

Also see: http://www.actionnewsjax.com/content/actionlocal/story/Several-local-Bank-of-America-branches-stop-drive/uidg5JXNXki7mO8jaujZiw.cspx
General Economics Deals
Capital Gains Deferment with Long/Short strategy?
Added on : Tuesday August 20th 2013 02:00:04 AM
g: 0 Posted By: xxjt
Views: 0 Replies: 0 Hi guys,

Quick question - I recently had to sell some shares which resulted in a significant long term capital gains.

Is it possible to do the following:

Buy shares of security X in account A
Short shares of security X in account B (or choose a different security Y which is highly correlated to X - I'm okay with some fricitonal costs)

On December 31st sell whichever position is out of the money, on Jan 1st sell the other position.

I believe this should result in a capital loss this year and a gain next year - thus defering a portion of the capital gain.

Does this make sense? Is there any flaw in this strategy? Do I have to worry about red flags raised?

Thanks
FREE Kindle Book - Supply Chain Network Design was $89.99
Added on : Monday August 19th 2013 09:00:03 AM
g: 0 Posted By: archena
Views: 56 Replies: 1 Supply Chain Network Design: Applying Optimization and Analytics to the Global Supply Chain (FT Press Operations Management) =16px[Kindle Edition] was $89.99Michael Watson (Author), Sara Lewis (Author), Peter Cacioppi (Author), Jay Jayaraman (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B008Z03RIE

Publication Date: August 20, 2012

Publisher: FT Press
7 Reviews★★★★.5

#1 inKindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

Using strategic supply chain network design, companies can achieve dramatic savings from their supply chains. Now, experts at IBM and Northwestern University have brought together both the rigorous principles and the practical applications you need to master. Youll learn how to use supply chain network design to select the right number, location, territory, and size of warehouses, plants, and production lines; and optimize the flow of all products through your supply chain even if extends around the globe. The authors present better ways to decide what to manufacture internally, where to make these products, which products to outsource, and which suppliers to use. They guide you in more effectively managing tradeoffs such as cost vs. service level, improving operational decision-making by integrating analytics throughout supply chain management; and re-optimizing regularly for even greater savings. Supply Chain Network Design combines best practices, the latest methods in optimization and analytics, and cutting-edge case studies: everything you need to maximize the value of supply chain network design. For all supply chain executives, managers, strategists, and analysts; and for all students, instructors, and researchers in advanced supply chain management and/or logistics courses.About the AuthorMichael Watson is currently the world-wide leader for the IBM ILOG Supply Chain Products. These products include the network design product, LogicNet Plus XE. He has been involved with this product since 1998 when the product was owned and produced by LogicTools and then sold to ILOG in 2007 prior to being acquired by IBM. During this time, he has worked on many network design projects, helped other firms develop network design skills, and helped shape the direction of the group and product. He is an adjunct professor at Northwestern University in the McCormick School of Engineering, teaching in the Masters in Engineering Management (MEM) program. He holds an M.S. and Ph.D. from Northwestern University in Industrial Engineering and Management Sciences.

Sara Lewis is currently a world-wide technical leader for the IBM ILOG Supply Chain Products. She has run many full-scale network design studies for companies around the world, she has conducted hundreds of training sessions for many different types of clients, leads a popular network design virtual users group, and helps create educational material for network design. She has been involved with this group since 2006 when the network design tool was owned and produced by LogicTools. Prior to LogicTools, she held various supply chain roles at DuPont. She holds a Bachelors degree in Business Logistics and Management Information Systems from Penn State University and is a fre- quent guest lecturer on the topic of network design at several U.S. universities.

Peter Cacioppi is the lead scientist for IBMs network design product, LogicNet Plus XE. He also holds the lead scientist role for IBM's inventory optimization solution. He first began developing network design engines in 1996 as employee number one for LogicTools, a supply chain planning company that was sold to ILOG in 2007 prior to being acquired by IBM. His responsibilities include translating business design issues into formal mathematical problems. His scientific contributions have ranged from developing a targeted network design computational engine to designing both the GUI and the engine for network design multi-objective analysis. He holds an M.S. in Computer Science (with a thesis in Operations Research) from the University of Chicago, and a BA in Computational Physics from Dartmouth College.

Jay Jayaraman currently manages the ILOG Supply Chain and Optimization consulting services team within IBM. This team solves clients most challenging supply chain and optimization business problems. He brings extensive hands-on expertise in supply chain network design and inventory optimization, with projects ranging from large scale, global supply chain network design strategy to implementing production planning and inventory optimization projects at the tactical level. He has successfully led and managed consulting projects for clients around the world and in many different industries such as chemicals, consumer packaged goods, retail, transportation, pharmaceutical, and many others. Prior to joining LogicTools (later acquired by ILOG and then IBM), he worked for Kuehne & Nagel, helping run network design projects and implement the results. He holds an M.S. in Industrial Engineering from the University of Florida, and a Bachelors degree in Industrial Engineering from Anna University, India.



Books Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 255 Replies: 0 Today Onlywww.amazon.com/gp/goldbox/
Toys Deals

Amazon Coupons
g: 0 Posted By: archena
Views: 270 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Service Management: An Integrated Approach to Supply Chain Management and Operations (FT Press Operations Management) [Kindle Edition] was $71.99 / Paperback is $40.46Cengiz Haksever (Author), Barry Render (Author) http://www.amazon.com/dp/B00DCNNJG4Publication Date: June 11, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management Tie customer-driven strategies to service operations and process management, and sharpen your focus on creating customer value throughout your entire service organization! This comprehensive, multidisciplinary reference thoroughly covers today's most effective theories and methods for managing service organizations, drawing on innovative insights from economics, consumer behavior, marketing, strategy, and operations management. Leading experts Cengiz Haksever and Barry Render provide Crucial insights into emerging service operation and supply chain topics, reinforcing key points with up-to-date case studies. Service Management contains a valuable chapter-length introduction to linear and goal programming and its services applications; and also addresses many other topics ignored by competitive texts, such as: Service SCM methods and approaches
Focusing on customers and their service purchase behavior
Service productivity
Managing public and private nonprofit service organizations
Vehicle routing and scheduling
Ethical challenges to SCMService Management will be an invaluable resource for senior and mid-level managers throughout any service organization, and for students and faculty in any graduate or upper-level undergraduate program in service management, service operations management, or operations management
About the Author
Cengiz Haksever is a Professor of Management Sciences at the College of Business Administration of Rider University. He received his B.S. and M.S. degrees in Industrial Engineering from Middle East Technical University in Ankara, Turkey, his M.B.A. from Texas A & M University in College Station, Texas, and his Ph.D. in Operations Research from the University of Texas in Austin.His research interests include service management, supply chain management, operations research, operations management, quality and continuous improvement, and data envelopment analysis. Dr. Haksevers work appeared in European Journal of Operational Research, Journal of the Operational Research Society, Computers & Operations Research, Computers & Industrial Engineering, Journal of Construction Engineering and Management, International Journal of Production Economics, Journal of Small Business Strategy, Journal of Business Ethics, Education Economics, International Journal of Production Economics, International Journal of Information and Management Sciences , and Business Horizons.He has taught courses in operations management, supply chain management, service operations management, management science, quality assurance, statistics, and regression in undergraduate and M.B.A. programs. He served as examiner and senior examiner for the New Jersey Governors Award for Performance Excellence. During the 1993-1994 academic year, he was a Fulbright Senior Lecturer at Marmara University in Istanbul, Turkey. At Rider University, he was awarded the Jessie H. Harper Professorship for the academic year of 2000-2001. Dr. Haksever served on the Editorial Advisory Board of Computers & Operations Research and was a guest editor of a special issue of the journal Data Envelopment Analysis.Barry Render is Professor Emeritus, the Charles Harwood Professor of Operations Management, Crummer Graduate School of Business, Rollins College, Winter Park, Florida. He received his B.S. in Mathematics and Physics at Roosevelt University and his M.S. in Operations Research and Ph.D. in Quantitative Analysis at the University of Cincinnati. He previously taught at George Washington University, University of New Orleans, Boston University, and George Mason University, where he held the Mason Foundation Professorship in Decision Sciences and was Chair of the Decision Sciences Department. Dr. Render has also worked in the aerospace industry for General Electric, McDonnell Douglas, and NASA.Professor Render has coauthored 10 textbooks for Prentice Hall, including Managerial Decision Modeling with Spreadsheets, Quantitative Analysis for Management, Service Management, Introduction to Management Science, and Cases and Readings in Management Science. Quantitative Analysis for Management, now in its eleventh edition, is a leading text in that discipline in the United States and globally. Dr. Renders more than 100 articles on a variety of management topics have appeared in Decision Sciences, Production and Operations Management, Interfaces, Information and Management, Journal of Management Information Systems, Socio-Economic Planning Sciences, IIE Solutions, and Operations Management Review, among others.
Dr. Render has been honored as an AACSB Fellow and was twice named a Senior Fulbright Scholar. He was Vice President of the Decision Science Institute Southeast Region and served as Software Review Editor for Decision Line for six years and as Editor of The New York Times Operations Management special issues for five years. From 1984 to 1993, Dr. Render was President of Management Service Associates of Virginia, Inc., whose technology clients included the FBI, the U.S. Navy, Fairfax County, Virginia, and C&P Telephone. He is currently Consulting Editor to Financial Times Press.Dr. Render has taught operations management courses in Rollins Colleges M.B.A. and Executive M.B.A. programs. He has received that schools Welsh Award as leading professor and was selected by Roosevelt University as the 1996 recipient of the St. Claire Drake Award for Outstanding Scholarship. In 2005, Dr. Render received the Rollins College M.B.A. Student Award for Best Overall Course and in 2009 was named Professor of the Year by full-time M.B.A. students.
Books Deals

Amazon Coupons
FREE Kindle Book Copywriting For The Rest Of Us was $2.99
Added on : Monday August 12th 2013 04:00:07 AM
g: 3 Posted By: archena
Views: 1994 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Copywriting For The Rest Of Us (Marketing For The Rest Of Us) [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CSTBZ2SPublication Date: May 14, 201313 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct
Words sell.Knowing how to string together sentences that will have your prospecting begging to buy your product or service isn't just a skill reserved for the highly trained copy "gurus" - YOU CAN WRITE COPY TOO!In this, the second book in the Marketing For The Rest Of Series, you will be taken through a step-by-step process on how to craft your very own high converting sales page without the need of hiring an expensive copywriter.Copywriting doesn't have to be hard. It is a craft, and as such there are certain tools and formulas that you can use on a regular basis to create both long copy and short copy that will have your prospect eating out of your hand!Copywriting for the rest of us is about walking you through the exact template that Mike Shreeve uses every time he is hired to create a sales page that converts and makes his client money.Join Mike Shreeve as he takes you by the hand and turns beginning copywriters into sales page creating experts!
********DEAD **** Video Marketing For The Rest Of Us [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CRRT65YPublication Date: May 13, 201310 Reviews ★★★★.5#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#5 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing
Video Marketing For The Rest Of Us is the ultimate video marketing guide for small business owners, self-starters and up and coming celebrities.If you have ever wanted to take advantage of the power of Youtube marketing for your offers, services and business with video, then this book is for you.Online video provides a powerful marketing tool for those who know now to use it. Just spend 5 minutes searching for your keywords in Youtube and see how effectively your competition is connecting with your customers.This book will provide you with everything that you need to know to get started spreading the word about your business online. You will learn powerful video marketing strategies, how to do proper SEO and how to drive traffic to your videos.You will also learn how to craft powerful copy that will have your visitors clicking through to your offers and turn your videos into sales machines!Jam packed with over 88 pages of step-by-step instruction, Mike Shreeve will take you through the entire process of running a highly successful video marketing campaign.Here is a snap shot of the table of contents:Why Youtube? Why Video?
The Future Of Youtube
How I Can Tell That Youtube Is Here To Stay
Youtube For Rankings
Youtube Traffic Islands
My Time In The Philippines Taught Me What Video Marketing Really Is
Youtube Results The Truth
Crafting Your Strategy
Selecting A Niche
The Talent/Dream Job Approach
Ignore What You Think You Know About Niche Selection
What To Do With The Info From The Worksheet
The Power Of Edutainment
What The Heck Is Edutainment?
The Best Example Of Edutainment That I Have Ever Seen
Yes, But Is It Effective?
Youtube Marketing As An Add On
The Youtube Marketing Funnel
The True Purpose Of Video In IM
Finding Your Place Amongst The Stars
Discovering Holes In The Niche
Researching Competition
Using Hidden Talents To Cash In Big A Study In Branding
Creating Your Videos
Lighting/Audio/Camera
Audio
Camera Techniques
The Still Shot
My Secret System For Outsourcing Video Creation
Content Secrets Of Six Figure Video Marketers
How To Create More Content Than Anyone Ever
Video Types
Equipment For Serious Video Marketers
Youtube Copywriting
Copywriting Tips To Explode Views
More Copywriting Advice
Youtube SEO
Before You Even Upload The Video
The Video Itself
Getting A Rush Of Traffic
The Youtube Community
My Top Secret Rolodex
My List Of Awesome Tools
My List Of Awesome People
Looking For Less Expensive Outsourcing Options?Not only will you get exclusive access to this high quality video marketing information, but you will also be provided with worksheets to run through the exercises that are provided in this book.You will also receive links to several of over-the-shoulder training videos that are exclusive to those who purchase this book.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 1 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Copywriting For The Rest Of Us (Marketing For The Rest Of Us) [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CSTBZ2SPublication Date: May 14, 201313 Reviews ★★★★★Words sell.Knowing how to string together sentences that will have your prospecting begging to buy your product or service isn't just a skill reserved for the highly trained copy "gurus" - YOU CAN WRITE COPY TOO!In this, the second book in the Marketing For The Rest Of Series, you will be taken through a step-by-step process on how to craft your very own high converting sales page without the need of hiring an expensive copywriter.Copywriting doesn't have to be hard. It is a craft, and as such there are certain tools and formulas that you can use on a regular basis to create both long copy and short copy that will have your prospect eating out of your hand!Copywriting for the rest of us is about walking you through the exact template that Mike Shreeve uses every time he is hired to create a sales page that converts and makes his client money.Join Mike Shreeve as he takes you by the hand and turns beginning copywriters into sales page creating experts!
*****Video Marketing For The Rest Of Us [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CRRT65YPublication Date: May 13, 201310 Reviews ★★★★.5#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#5 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing
Video Marketing For The Rest Of Us is the ultimate video marketing guide for small business owners, self-starters and up and coming celebrities.If you have ever wanted to take advantage of the power of Youtube marketing for your offers, services and business with video, then this book is for you.Online video provides a powerful marketing tool for those who know now to use it. Just spend 5 minutes searching for your keywords in Youtube and see how effectively your competition is connecting with your customers.This book will provide you with everything that you need to know to get started spreading the word about your business online. You will learn powerful video marketing strategies, how to do proper SEO and how to drive traffic to your videos.You will also learn how to craft powerful copy that will have your visitors clicking through to your offers and turn your videos into sales machines!Jam packed with over 88 pages of step-by-step instruction, Mike Shreeve will take you through the entire process of running a highly successful video marketing campaign.Here is a snap shot of the table of contents:Why Youtube? Why Video?
The Future Of Youtube
How I Can Tell That Youtube Is Here To Stay
Youtube For Rankings
Youtube Traffic Islands
My Time In The Philippines Taught Me What Video Marketing Really Is
Youtube Results The Truth
Crafting Your Strategy
Selecting A Niche
The Talent/Dream Job Approach
Ignore What You Think You Know About Niche Selection
What To Do With The Info From The Worksheet
The Power Of Edutainment
What The Heck Is Edutainment?
The Best Example Of Edutainment That I Have Ever Seen
Yes, But Is It Effective?
Youtube Marketing As An Add On
The Youtube Marketing Funnel
The True Purpose Of Video In IM
Finding Your Place Amongst The Stars
Discovering Holes In The Niche
Researching Competition
Using Hidden Talents To Cash In Big A Study In Branding
Creating Your Videos
Lighting/Audio/Camera
Audio
Camera Techniques
The Still Shot
My Secret System For Outsourcing Video Creation
Content Secrets Of Six Figure Video Marketers
How To Create More Content Than Anyone Ever
Video Types
Equipment For Serious Video Marketers
Youtube Copywriting
Copywriting Tips To Explode Views
More Copywriting Advice
Youtube SEO
Before You Even Upload The Video
The Video Itself
Getting A Rush Of Traffic
The Youtube Community
My Top Secret Rolodex
My List Of Awesome Tools
My List Of Awesome People
Looking For Less Expensive Outsourcing Options?Not only will you get exclusive access to this high quality video marketing information, but you will also be provided with worksheets to run through the exercises that are provided in this book.You will also receive links to several of over-the-shoulder training videos that are exclusive to those who purchase this book.
g: 0 Posted By: lovelybones
Views: 230 Replies: 0 linkSid Meier's Civilization V: Brave New World is the second expansion pack for Civilization V - the critically acclaimed 2010 PC Game of the Year. This new expansion provides enhanced depth and replayability through the introduction of international trade and a focus on culture and diplomacyMinimum RequirementsOS: Windows XP SP3/Windows Vista SP2/Windows 7
SOFTWARE: Steam Client
PROCESSOR: Intel Core 2 Duo 1.8 GHz or AMD Athlon X2 64 2.0 GHz
MEMORY: 2 GB RAM
HARD DISK SPACE: 8 GB free
VIDEO MEMORY: 256 MB
VIDEO CARD: NVIDIA 7900 GS or better / ATI HD2600 XT or better / Core i3 or better integrated graphics
SOUND CARD: DirectX 9.0c-compatible
DIRECTX: DirectX version 9.0c
Software Deals
g: 6 Posted By: archena
Views: 2783 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
FW Way to Fly Last-Minute?
Added on : Friday August 02nd 2013 10:00:08 AM
g: 0 Posted By: Shelbycobra
Views: 234 Replies: 9 Since the travel forum has disappeared and this is more of a general strategy question, I've posted this in Finance. My apologies if that irks anyone.My wife is about 37 weeks pregnant and she and her sister have decided that her sister is going to hop on a plane as soon as my wife goes into labor in order to be there for the birth. We will be paying for some or possibly all of her sister's ticket (sister is financially irresponsible, so instead of giving her money for some baby stuff she gave to us, we decided to pay for or subsidize the plane ticket).
I'm trying to get some ideas to find the most economical way for my sister-in-law to book a flight last-minute. So far, the best strategy is:1.) Wait to book until my wife goes into labor.
Pros: Very flexible
Cons: Ticket prices (at least online) seem significantly higher than if we book out a couple of weeks in advance.Strategies that have been pretty much ruled out:
2.) Book a ticket and pay a change fee later on:
Pros: Should be able to hop on a plane pretty quick, provided there's room.
Cons: Change fee + difference between the fares makes this a worse option than #1
3.) Fly Standby:
Pros:?
Cons: Not really applicable....already need to have a ticket for travel within 24 hours and then pay a change fee

4.) Buy a refundable ticket
Pros: Most flexible
Cons: Most likely the most expensive option. I've been looking at same-day reservations off and on for the last few weeks and they average about $400-$500 round-trip through Delta. For comparison, a refundable ticket is approx. $1,500.I'm definitely considering booking last-minute through Southwest as even though they don't have direct flights from TPA to DTW, they have a lot of options for connecting flights and they're about 1/2 the price of a direct flight for the same times through Delta. Relevant Information:
Her sister doesn't have much vacation time, so planning a long trip centered around due date is not an option.
Sister will be flying out of TPA (Florida) to DTW (Michigan) 
I'm pretty sure buying a ticket as soon as my wife goes into labor will be the best option, but I'd love to hear any advise from someone who has more knowledge or an experience with a similar situation.
Air Travel Deals
Grocery strategy
Added on : Thursday August 01st 2013 08:00:11 AM
g: 0 Posted By: nic3456
Views: 138 Replies: 2 So I'm trying to determine a strategy to get the biggest bang of savings while minimizing the time for grocery shopping
I realize you can always do more but I don't want to spend hours a week going through sale ads to save $.25 off the ground beef
(For example the extreme couponers spending 40 hours a week to save 200 bucks)
Basically thinking about the 80/20 rule - spend 20% of the time and get 80% of the potential savings
Discussion Deals
g: 2 Posted By: remick
Views: 272 Replies: 0 http://www.amazon.com/gp/product/B001M60BKU/Jon M. Huntsman built a $12 billion company from scratch, the old-fashioned way: with integrity. There were short-term costs and difficult decisions. There were tough times. Times just like today. But ultimately, leading with integrity wasnt just personally right for Huntsman, it also proved to be the best business strategy.In Winners Never Cheat, Huntsman tells you how he did it, and how you can, too. This book is about remembering why you work, and why you were chosen to lead. Its about finding the bravery to act on what you know is right, no matter what youre up against.

Its about winning. The right way.

Think about the kind of person you want to do business with. Then, be that person--and use this book to get you there.
Books Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 165 Replies: 0 http://www.amazon.com/dp/B00COGYQRQ/ont know where to start with social media and online marketing in your business? Start here, with this easy-to-understand, easy-to-use, low-cost book collection! Jon Reeds Get Up to Speed with Online Marketing helps you get started fast, find markets online, and effectively promote your business on a very limited budget. It covers websites, search engine marketing, email marketing, blogging, podcasts, online video, social networks, virtual worlds, social bookmarking, and more! Lauren Dugans Ultimate LinkedIn Checklist For Small and Medium Businesses shows how to use LinkedIn to leverage your entire network of partners, suppliers, employees, vendors, and competitors. Step-by-step instructions and easy checklists help you deepen the network links you already have and tap into your networks networks, uncovering talent, partnerships, vendors and customers youll never find any other way! Next, Jamie Turners How to Build a Mobile Website shows how to create mobile websites that are clean, simple, load quickly, and are optimized for mobile users. Discover how your customers want to interact with your brand on mobile devices, compare leading approaches to mobilizing websites, and avoid pitfalls that lose customers. Turner even offers a high-level overview of the mechanics of mobile site development, construction, and testing, addressing issues ranging from branding to performance and usability. Twitter 101 tells you all you need to know about Twitter marketing, even if youve never used Twitter before. Drawing on personal experience and up-to-the-minute industry research, Lauren Dugan covers strategy, tactics, tools, and more. Learn to time tweets for maximum impact, follow the right accounts, attract the right followers, do competitive research, network faster, turbocharge brands, engage users, and build word-of-mouth that generates real sales! Jamie Turners How to Use Social Media Monitoring Tools offers a fast-paced primer on social media monitoring and realistic, low-cost methods for getting started. Discover whether your social media presence is achieving results align measurement with business objectives measure branding and direct response quickly capture emerging performance trends; and more. Turner briefly introduces tools from Google and many others, and offers a practical 8-step monitoring plan that even beginners can use. Next Melanie Mitchell brings together complete processes, knowledge, and tools that Unleash the Power of Paid Search . Discover how well-crafted paid search campaigns can help you lead the conversation in your marketplace, extend and deepen your coverage, and more precisely target and measure your marketing program. Next, walk through building and executing a winning campaign: defining goals/objectives, selecting keywords and match types, structuring accounts, scoring quality, managing copy, optimizing landing pages, reporting, and more. Finally, in Understanding SEO, Mitchell draws on immense in-the-trenches experience to completely demystify modern search engine optimization. Learn to grab value from low hanging fruit, and start optimizing everything from pages, text, and keywords to images and HTML code. Mitchell explains all the concepts and terms you need to understand, so you can do it yourself, or work successfully with SEO specialists. If you want to get started with social media in your business, this collection is the most valuable, cost-effective resource you can find!
Books Deals

Amazon Coupons
g: 1 Posted By: archena
Views: 213 Replies: 0 Options Made Easy: Your Guide to Profitable Trading (3rd Edition) [Kindle Edition] was $39.99Guy Cohen (Author) http://www.amazon.com/dp/B00CH0R478Publication Date: April 22, 2013Publisher: FT Press5 Reviews - ★★★★
Master option trading, visually, hands-on -- and discover the powerful, easy-to-use OVI indicator that leads the market, revealing what the world's savviest option traders are doing right now! Learn option trading from the newest edition of Guy Cohen's international best-seller Options Made Easy, which has earned a worldwide reputation for its simplicity, clarity and hands-on practicality. With outstanding graphics for step-by-step learning, this easy tutorial packed with real trades is designed to reinforce every new trader's learning experience.Using plain English and clear illustrations to explain each key trading strategy, Cohen avoids complex math while effortlessly delivering the practical knowledge traders need. Now, in this eagerly-anticipated Third Edition, Cohen updates all examples and data, utilizing the market's new option symbols throughout, and presenting a more streamlined, focused, and up-to-date review of relevant chart patterns and technical analyses. Most important, he thoroughly introduces his breakthrough OVI indicator, revealing how it captures the implications of actual option transaction data, and presents signals even beginners can use to earn consistent profits. Step by step, Cohen walks traders through:● Filtering for stocks and selecting the right strategy for each situation
● Implementing proven strategies for income, including covered calls and bull put spreads
● Trading volatility through straddles and strangles
● Using butterflies and condors to trade rangebound markets
● Understanding trading psychology and its impact on option trades
● And much moreAbout the Author
An innovator in financial trading, Guy Cohen is the creator and originator of the unique OVI Indicator, FlagTrader, and OptionEasy. He is the author of bestselling trading books Options Made Easy, The Bible of Options Strategies, and Volatile Markets Made Easy (FT Prentice Hall). Guys new book, The Insider Edge (Wiley), was released in September 2012 and is focused on his OVI Indicator. His published work is complemented by pioneering breakthroughs in the areas of trading and technical indicators, specifically the OVI.Guy specializes in trading stock and options, with his hallmark being his user-friendly approach and liberal use of illustrations. With Guy, you will find proven techniques to succeed, complemented by industry-leading customer service.An established and entertaining speaker, Guy has an MBA (finance) from City University (Cass) Business School, London.Guy is also the author of Your Gut Feeling, which is a self-help autobiography that outlines his complete recovery from a severe case of ulcerative colitis.For more information about Guys trading products, go to http://www.ovitradersclub.com.
Books Deals

Amazon Coupons
g: 0 Posted By: archena
Views: 1620 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
g: 0 Posted By: archena
Views: 73 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
FREE Kindle Book - Small Business Tax Deduction Secrets worth $9.99
Added on : Thursday July 25th 2013 06:00:12 AM
g: 0 Posted By: archena
Views: 114 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
g: 0 Posted By: dmlavigne1
Views: 156 Replies: 4 So many people that preach and post here keep the 3-6 months emergency fund. I have a family member that does the same but for the financially savvy it is an absolute waste. Every time I hear of someone doing this I cringe because they are losing to inflation every year and losing out on stock market returns. I keep enough cash for a month tops. That's it. My effort has allowed me to maximize my investment return on all my funds. This process assumes that you are "good with money" and have decent credit. My strategy is simple, pay down what you owe. Use credit and retirement as your cushion.When I was young and broke, my emergency fund was: Roth IRA contributions, and HELOC. Why keep an emergency fund when you can withdraw Roth contributions without penalty? Why put off putting in your Roth for that perceived safety? Even if the market tanks 50% (worst case) you can still liquidate that and have it in three days. If you don't need it, you get market returns. If it is short term, draw on a HELOC (assuming you own a house with more than 80% ltv), that interest is deductible vs the car loan/cc that is not. Why keep an emergency fund when you have debt that is any percentage points higher than your savings? Honestly, in a worst case catastrophe (medical, being sued, etc) you want your funds in a Roth vs cash because retirement is protected by law. 20-50K cash is a lot easier to go after.Now I get that people do have debt, but it is silly to keep an emergency fund when you have credit. If I have 10K in credit at 9% potential interest and 10K in savings (1%) and 10K in student loans at 6%, why would I not use the funds to pay off the student loans and live paycheck to paycheck for a while while rebuilding my cash (but putting it in investments)? You are "earning" 4% after tax on your 10K monthly. When you have some savings: Stocks/MF's are liquid. I can sell whatever I want and have the money in hand in three days. Aside from a kidnapping this is plenty fast to accomplish anything in the real world. Again if I need cash, use the HELOC (find one with no fees) for the short term and everyone takes CC. I just don't get it, people will chase a 1/4 point on a mortgage @250K or 1/4 point on savings but will leave 50-100K in a savings/MM account earning 1% or less. With say 5% average market returns you are "losing" your entire mortgage interest deduction of 250K after chasing that 1/4 point.Figure with the rule of 7, the 25K that you have in an emergency fund is losing ~20K every 7 years. I'm not saying I do everything right, I paid off a 4.5% mortgage in 2009 for the "peace of mind" when I should have continues to float it on 0% and invest (or keep the 4.5% note and invest), but if you told me to keep the cash in a 1% account, I would rather just keep it under the bed and roll around in it once in a while. Use the tools that our system provides rather than listening to the archaic advice of the simpletons. Using the tools allows you to get ahead faster and cheaper.
Credit Deals
Car damage-- issue with insurance! need advice
Added on : Friday July 19th 2013 05:00:04 PM
g: 0 Posted By: ovaloffice
Views: 224 Replies: 3 I have a 2004 camry which was parked in my works parking lot next to a wall. Today afternoon an 84 yo grandpa while trying to park his car on the other side of the wall hit the wall. It happened that the wall broke and fell on my car. Total of six cars were damaged and I got the biggest damage among all. on my hood, looks mostly cosmetic, but not sure if engine etc are damaged. The car appears to be drivable. Grandpa was nice.. he felt sorry and gave all the insurance info. I felt sorry of the old man too, he hit it gas pedal by mistake. Anyways I got the police report no etc. I called his insurance (all state) today and they told me to use my own insurance. She mentioned that there might be "coverage issues" and the investigation will be very long. To expedite the issue I should use my own insurance.I called my insurance (State Farm) and they told me that my current deductible will apply. She said that I will not be at fault and this incident will not be counted against me. My questions are:
1. Should I trust the allstate agent that this is going to be a long investigation or is this just a strategy to avoid paying for the damage.
2. As far as my car insurance is concerned, even though they said that they will not count this accident against me... am I still at a risk of having higher premiums next time?
3. If i ask my insurance (State Farm) to be involved, is there any possibility I can get some of the reimbusement of deductible from all state?Totally confused.. please advise.
Personal Finance Deals
Car damage-- issue with insurance! need advise
Added on : Friday July 19th 2013 04:00:07 PM
g: 0 Posted By: ovaloffice
Views: 0 Replies: 0 I have a 2004 camry which was parked in my works parking lot next to a wall. Today afternoon an 84 yo grandpa while trying to park his car on the other side of the wall hit the wall. It happened that the wall broke and fell on my car. Total of six cars were damaged and I got the biggest damage among all. on my hood, looks mostly cosmetic, but not sure if engine etc are damaged. The car appears to be drivable. Grandpa was nice.. he felt sorry and gave all the insurance info. I felt sorry of the old man too, he hit it gas pedal by mistake. Anyways I got the police report no etc. I called his insurance (all state) today and they told me to use my own insurance. She mentioned that there might be "coverage issues" and the investigation will be very long. To expedite the issue I should use my own insurance.I called my insurance (State Farm) and they told me that my current deductible will apply. She said that I will not be at fault and this incident will not be counted against me. My questions are:
1. Should I trust the allstate agent that this is going to be a long investigation or is this just a strategy to avoid paying for the damage.
2. As far as my car insurance is concerned, even though they said that they will not count this accident against me... am I still at a risk of having higher premiums next time?
3. If i ask my insurance (State Farm) to be involved, is there any possibility I can get some of the reimbusement of deductible from all state?Totally confused.. please advise.
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Anomaly: Warzone Earth for FREE with Facebook Like
Added on : Saturday July 13th 2013 05:00:04 PM
To celebrate the launch of Anomaly 2, we've teamed up with 11 bit studios to bring you Anomaly: Warzone Earth for PC, Mac and Linux. This exciting reversed tower defense game features an extraordinary mix of of action and strategy, tasking players with saving a near-future Earth from an alien onslaught. It's worth $10 and we're giving it to you for free.Get your Free coupon here - https://www.facebook.com/BundleStars?sk=app_174961479209942 - Facebook required!To redeem:1. Go to this dedicated page at Bundle Stars
2. Click the button 'Click here to get your free game'
3. Enter your unique code into the discount box on the checkout page.
4. Press 'Save' and then 'Checkout'
5. Complete the process to receive your Steam key - if you're not sure how to use this please visit our help section.
http://www.noisetrade.com/chrisanderson/free---the-future-of-a-r...Available via NoiseTrade.It's a free MP3 download, or you can just listen online for free where it says "Listen Before You Download."About book:The online economy offers challenges to traditional businesses as well as incredible opportunities. Chris Anderson makes the compelling case that in many instances businesses can succeed best by giving away more than they charge for. Known as "Freemium," this combination of free and paid is emerging as one of the most powerful digital business models. In Free, Chris Anderson explores this radical idea for the new global economy and demonstrates how it can be harnessed for the benefit of consumers and businesses alike. In the twenty-first century, Free is more than just a promotional gimmick: It's a business strategy that is essential to a company's successful future.
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Dota 2 - Now free to play
Added on : Tuesday July 09th 2013 05:00:10 PM
Info linkThe Dota 2 beta is over! It is now completely free to play. They are releasing the product in batches, so be sure to get on the queue quickly. Game linkAbout the Game
Dota is a competitive game of action and strategy, played both professionally and casually by millions of passionate fans worldwide. Players pick from a pool of over a hundred heroes, forming two teams of five players. Radiant heroes then battle their Dire counterparts to control a gorgeous fantasy landscape, waging campaigns of cunning, stealth, and outright warfare. Irresistably colorful on the surface, Dota is a game of infinite depth and complexity. Every hero has an array of skills and abilities that combine with the skills of their allies in unexpected ways, to ensure that no game is ever remotely alike. This is one of the reasons that the Dota phenomenon has continued to grow. Originating as a fan-made Warcraft 3 modification, Dota was an instant underground hit. After coming to Valve, the original community developers have bridged the gap to a more inclusive audience, so that the rest of the world can experience the same core gameplay, but with the level of polish that only Valve can provide. Get a taste of the game that has enthralled millions.
Dota 2 - Now free to play
Added on : Tuesday July 09th 2013 03:00:02 PM
Info linkThe Dota 2 beta is over! It is now completely free to play. They are releasing the product in batches, so be sure to get on the queue quickly. Game linkAbout the Game
Dota is a competitive game of action and strategy, played both professionally and casually by millions of passionate fans worldwide. Players pick from a pool of over a hundred heroes, forming two teams of five players. Radiant heroes then battle their Dire counterparts to control a gorgeous fantasy landscape, waging campaigns of cunning, stealth, and outright warfare. Irresistably colorful on the surface, Dota is a game of infinite depth and complexity. Every hero has an array of skills and abilities that combine with the skills of their allies in unexpected ways, to ensure that no game is ever remotely alike. This is one of the reasons that the Dota phenomenon has continued to grow. Originating as a fan-made Warcraft 3 modification, Dota was an instant underground hit. After coming to Valve, the original community developers have bridged the gap to a more inclusive audience, so that the rest of the world can experience the same core gameplay, but with the level of polish that only Valve can provide. Get a taste of the game that has enthralled millions.
Options for the Beginner and Beyond: Unlock the Opportunities and Minimize the Risks (2nd Edition) [Kindle Edition] was $29.99Edward W. Olmstead (Author), editor (Editor)http://www.amazon.com/dp/B00AU3JU8UPublication Date: December 18, 2012Publisher: FT Press27 Reviews ★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > InvestingMaster option trading strategies one step at a time! Options for the Beginner and Beyond, Second Edition teaches options through brief, carefully-paced lessons on option concepts and trading strategies, crystal-clear definitions, and plenty of real trading examples. Every lesson builds on the one preceding it, explaining options in plain English, and guiding you all the way to advanced strategies covered in no other introductory tutorial. Drawing on his extensive experience teaching options trading to beginners -- and five years editing a leading options newsletter -- W. Edward Olmstead shows how to systematically control your risk, protect your investments, and maximize your profits. This new Second Edition integrates new coverage of weekly options throughout, and presents updated tax strategies every options trader needs to know. Olmstead shows you how to do all this, and much more:
Select options with high profit potential
∙ Enter and exit trades
∙ Choose brokers
∙ Work with the Greeks, risk graphs, and LEAPs
∙ Use vertical, event producing, and calendar spreads
∙ Trade covered calls, straddles, strangles, married puts, and collars
∙ Master these and other sophisticated strategies: naked options, stock substitutes, backspreads, butteryfly spreads, iron condors, and double diagonals
∙ Implement effective end-of-year tax strategies
∙ Day trade indexes with options
∙ Use delta-neutral trading
∙ Leverage the theory of maximum pain; implied volatility, and Black-ScholesAbout the Author
W. Edward Olmstead has a B.S. from Rice University and a Ph.D from Northwestern University, where he is currently Professor of Applied Mathematics in the McCormick School of Engineering and Applied Sciences. He has received several prestigious awards for teaching excellence including an endowed chair. His teaching activities include courses that cover both the theory of options pricing and practical strategies for trading options.
In the world of finance, Dr. Olmstead has more than fifteen years of experience in the trading of options. He holds a FINRA Series 65 license along with considerable experience as an options consultant. He has written various articles on options for the online media.
Dr. Olmstead was Editor of The Options Professor newsletter published by Independent Investor, Inc. during 2003-07. His consulting activities included service as an options analyst for Spear Capital Management. He also worked on an ultra short-term trading concept for a member firm of the Chicago Mercantile Exchange. Since 2010, he has utilized a proprietary options strategy in the management of funds for a group of private clients.
For more information about Dr. Olmsteads current options interests, go to www.olmsteadoptions.com.
Amazon Coupons
Touchless car wash damaged new car. Recourse?
Added on : Sunday July 07th 2013 01:00:08 PM
My fiance drove her new 2013 Accord to a touchless car wash at a gas station. While inside, a piece of the washing mechanism got wedged onto the side of the car and damaged the left front quarter panel. After the wash, we alerted the attendant and took pictures (It looks like we will only need to replace the quarter panel as damage is limited to that)What's the strategy here? I am thinking we just wait and see if the gas station (Circle K) will pay for the damages. If they try to play hard ball, what should we be doing now to help our case?
Free Stellar Impact PC game download
Added on : Wednesday July 03rd 2013 06:00:10 AM
http://www.greenmangaming.com/s/us/en/pc/games/strategy/stellar-...The site is having some issues at the moment but I was eventually able to connect.n space, war rages between allies and axis forces.
In Stellar Impact you command a space battleship in intense tactical multi-player battles! You can choose between several ship classes - from the fast corvette to the heavy dreadnought. Make your own skills template according to your preferences: attack, defense, speed, maneuverability or reconnaissance. Upgrade your spaceship, its crew and the weapons system to get stronger and crush your enemies in various game modes.
Join the fight now!
Death by China: Confronting the Dragon - A Global Call to Action [Kindle Edition] was $25.99Peter W. Navarro (Author), Greg Autry (Author)
http://www.amazon.com/dp/B004GXB41GPublication Date: May 5, 2011Publisher: Prentice Hall Professional119 Reviews ★★★★

This is the eBook version of the printed book.Bestselling author Peter Navarro (The Coming China Wars) and Greg Autry challenges the dominant paradigm of a "Chinese Miracle" - the one featuring a modernizing, progressive Chinese state heading toward political reform and driving global economic growth with its new found embrace of capitalism and freedom.
Tearing this delusion away, Death by China documents the myriad ways that a powerful, wealthy, and corrupt Chinese Communist Party emboldened by a growing nationalistic frenzy is becoming the biggest threat to global peace, prosperity, and health since Nazi Germany.
From currency manipulation and abusive trade policies, to slave labor and deadly consumer products, China's ruthless rulers threaten the livelihood of the citizens of every developed nation. These thugs have created a frightening amoral society ruled by a constant fear hidden to outsiders and bought off with the ill gotten profits of a myopic quest for economic advantage at any cost - social, environmental, or civil rights concerns be damned. Worse, as with everything else, China is scaling and exporting the model around this world, threatening their neighbors and exploiting developing nations across the globe with a new imperialism.
While America worries that Al Qaeda or Iran may get their hands on a weapon of mass destruction, China is using our Wal-Mart dollars to build them by the score; filling brand new nuclear submarines with missiles aimed at our heartland and building stealth planes designed to obliterate our friends in Japan, Korea, and Taiwan.
America's policy of appeasement and perpetual bending to Beijing's tacit threat to stop funding our unsustainable consumption based economy and deficit addicted government has left the Chinese people and the world in a frightening position while achieving absolutely nothing. With each new attempt at further "engagement" China simply rounds up more artists, writers, and political dissidents into its gulags and continues its policies of virtual genocide against the peoples of Tibet and the Uighars of East Turkestan. It tightens control over media and the Internet and expands its regional, territorial and resource claims. Laughing at our timidity, it becomes ever bolder in executing its plan to shutter every last manufacturing plant in the West.
Meanwhile, Western turncoat CEO's are content with pumping up one more quarterly report by driving every last high-value manufacturing jobs to Guangzhou or Chengdu. Congress is happy to be re-elected with contributions from those same corporations. Together they are happy to leave the rest of us with a future of low paying service and retail "careers" based on selling junk made in China to each other while accumulating a pile of Chinese debt and building a geopolitical time bomb of epic proportions.
For every American, European, Japanese or Korean reader who wonders where his job has gone and worries about the world his children will inherit, Death by China is a must read. The book features an inspiring Forward by Chinese Dissident, Baiqiao Tang and a brilliant Epilog by Congressman Dana Rohrabacher.About the Author
Peter Navarro is a business professor at the University of California Irvine and a CNBC contributor. He is the author of several path-breaking books including The Coming China Wars, The Well-Timed Strategy, and Always a Winner as well as the bestselling investment book If It's Raining in Brazil, Buy Starbucks.
Peter's articles on economics, business, and China have appeared in a wide range of publications, from Business Week, Los Angeles Times, New York Times, and wall street journal to Harvard Business Review, the Sloan Management Review, and the Journal of Business. He is a widely-sought after and gifted public speaker and appears frequently on Bloomberg TV and radio, CNN, CNBC, and NPR, as well as on allthree major network news shows.
Professor Navarro holds a Ph.D in economics from Harvard.
Greg Autry is an entrepreneur, writer, and educator. He has published extensively on business, economics, politics, space and China andassisted Professor Navarro in research and preparation for the revised edition of The Coming China Wars.
Greg holds a BA in history from Cal Poly Pomona and an MBA from the Merage School of Management at UC Irvine. As a lecturer, he's taught business strategy and macroeconomics at Merage where he is currently completing a Ph.D in the area of Economics and Policy. His dissertation is on the evolution of the private commercial space launch industry.
I just read on another forum someone that was considering doing the married filing separately to substantially reduce the IBR payment. With the public student loan forgiveness program it seems like this would be an ideal strategy.They then were thinking that every three years they could amend the previous three years returns, to be jointly filed and get the married filing together tax benefits and then rinse and repeat until the loans are forgiven after 10 years.We can keep her income very low by putting most all of it into retirement funds etc and live off of one income so not only would it benefit our Am I missing something in this or is this not the best way for a married couple to use the Public Loan Forgiveness Program?
Tiger Direct has the LiteOn iHBS112-29 12x Blu-Ray Drive for $45 - $10 off with coupon code FMO94243 [Exp 6/28] - $15 rebate [Exp 6/30] = $20 with free shipping. Features SATA interface, 12x Blu-ray, 16x DVD+/-R, 16x DVD, and 48x CD read speeds.LINK to Item
Rebate LINKSATA Half-Height internal Blu-ray disc reader; DVD+/-R, DVD+/-RW, DVD+/-R DL, DVD-RAM, CD-R, CD-RW writer; plus DVD-ROM, CD-ROM reader combination driveSupport BD-R. BD-RE. BD-ROM single or double layer read and double layer DVD+/- R9 Recording FunctionSMART-BURN(*1) avoiding Buffer Under Run error, Automatically adjusting writing strategy & walking OPC to provide the best burning quality when writing to DVD or CD recordable mediaSMART-X(*2) function adjusts CD-DA / VCD / DVD data extraction to a fastest allowable speed according to both data request rate from host and disk qualityAACS compliant (incl. Rom mark) and support RPC II (Region Playback Control)BD read compliant: BD data, BD video of 12cm diameterSupport Fixed Packet, Variable Packet, TAO, SAO, DAO, Random Access Write, Incremental, sequential recording, restricted overwrite, Layer Jump recording, Raw Mode Burning & Over-BurnDVD read compliant: DVD single/dual layer (PTP/OTP), DVD-R(3.9GB/4.7GB), DVD-R multi-borders, DVD-RAM DVD+R, DVD+R multi-sessions, DVD-RW, and DVD+RWCD read compliant: CD-DA, CD-ROM, CD-ROM/XA, Photo-CD, Multi-session, Karaoke-CD, Video-CD, CD-I FMV, CD Extra, CD Plus, CD-R, and CD-RWConform to Orange Book: Part 2 CD-R Volume 1, Part 2 CD-R Volume 2 Multi Speed, Part 3 CD-RW Volume 1 (1x, 2x, and 4x), Part 3 CD-RW Volume2: High Speed, Part 3 CD-RW Volume 3: Ultra Speed.*1 SMART-BURN : Smart Monitoring & Adapting Recording Technology for BURNing.
*2 SMART-X : Smart Monitoring & Adjusting Read-speed Technology for eXtraction.
Business and Competitive Analysis: Effective Application of New and Classic Methods [Kindle Edition] was $71.99Craig S. Fleisher (Author), Babette E. Bensoussan (Author)http://www.amazon.com/dp/B000RG1O1QPrint Paperback is $67.66.Publication Date: February 27, 2007Publisher: FT Press8 Reviews ★★★★.5The Definitive How-To Guide for Business and Competitive Analysis● Transform raw data into compelling, actionable business recommendations
● Answer the questions executives askWhat? So What? and Now What?
● Todays 24 most valuable techniques: how to choose them, how to use them
● For everyone who performs analysis: managers, consultants, functional specialists, and strategists
● A completely new book by the authors of the popular Strategic and Competitive AnalysisBusiness success begins with deep clarity about your competition and your business environment. But, even as data gathering has improved dramatically, few business professionals know the state-of-the-art techniques for analyzing their data. Now theres a comprehensive, immensely practical guide to todays best tools and techniques for answering tough questions and making actionable recommendations.
Business and Competitive Analysis begins with end-to-end guidance on the analysis process, including defining problems, avoiding analytical pitfalls, choosing tools, and communicating results. Next, the authors offer detailed guides on 24 of todays most valuable analysis models: techniques that have never been brought together in one book before.They offer in-depth, step-by-step guidance for using every techniquealong with realistic assessments of strengths, weaknesses, feasibility, and business value.

About the Author
Dr. Craig S. Fleisher is the Dean and Professor of Management in the School of Business and Public Affairs at the College of Coastal Georgia, Brunswick, Georgia, USA. A nationally recognized MBA instructor in Canada, he is a former President of the a national Public Affairs association and the international association of Strategic and Competitive Intelligence Professionals (SCIP) - in which he has also been recognized as a Meritorious Award winner - the Association's highest international honor as well as a Fellow. He holds a Docent appointment in the Dept. of Business Information Mgmt. at Tampere Univ. of Technology (Finland) and is on the graduate MSCom faculty at the Universit della Svizzera italiana (Switzerland). Professor Fleisher has performed advisory and consultancy assignments for many international groups including many leading multinational corporations, government agencies and 4th-sector organizations. A popular presenter and keynote speaker, he has given talks on topics in public affairs, competitive strategy and performance management to many groups in over 40 countries. His books, frequently translated into a variety of languages, are required reading in numerous international professional certification programs as well as leading business schools.
Amazon Coupons
What was the strategy for these people buying VISA gift cards
Added on : Sunday June 23rd 2013 04:00:10 PM
Today at my local supermarket chain, 2 people each purchased 2 VISA gift cards. the cards were the kind that you can put $20 to $500 on them. they each asked for $500 on each gift card ($1000 per person) and paid for it with a credit card. The super market chain gives gas rewards points, 1 point per dollar spent. every 100 points is good for 10 cents off per gallon of gas. when the cashier gave them the receipts, she said "wow, you have more gas points than i've ever seen."i get that they are using credit cards to buy gift cards and getting tons of gas points, and might also be getting tons of points/miles/whatever from their credit card issuer, if they don't see gift card purchases at a supermarket as a cash equivalent for which rewards aren't earned, but what's the full circle on this scheme? unless you can use the gift cards to PAY OFF your credit card, you have to make your purchases with those gift cards, in effect canceling out the miles/rewards you would have gotten if you made those purchases with your credit card itself.thoughts?
Unlimited lifetime automatic cloud backup from DrivePop is available for the next 8.5 hours through BitsDuJour for $60. This is the cost of one-year plans from places like Carbonite and Mozy Pro. Deal HereExpires tonight at midnight Pacific time (3AM Eastern) if I have my times correct.From their site:
-----------
Check it out folks! At $59.99, you're getting a whopping 84% off of a 5-year license. But it gets better. BurnWorld is extending this to a LIFETIME LICENSE exclusively for BitsDuJour customers purchasing today. This option isn't even available on the DrivePop website!You think youve got your bases covered, since you back up all of your key data every night to an external hard drive. Yet, your backup strategy is doomed to failure in the event of a fire, flood, or some other catastrophe that physically destroys your external drive and computer. The best backup plans involve copying your stuff offsite, and the best way to do that is with todays discount software promotion, DrivePop Online Backup!DrivePop Online Backup is the easiest way to make a backup of the files you don't want to risk losing! With DrivePop Online Backup, your data is protected from any local harm, since it lives online, far far away from your house in a secure military-grade data center that itself is protected with redundant drives and security systems. Your cat photos have never been this protected before!You dont even have to remember to execute backups with DrivePop Online Backup, since the program runs silently in the background, harvesting and uploading your data automatically. Best of all, when you use DrivePop Online Backup, youll be able to access all of your files and folders on your cloud storage using your iPhone, iPad, or Android device!
-----------This is not an archive service -- if you (accidentally or otherwise) delete a file from your hard drive, it will be deleted from your DrivePop storage 30 days later. But this will store all files you specify from your hard drive, and it will keep up to 30 versions of each file, protecting you in case you overwrite or change a file and want to undo the goof.Tremendous value!Edited: Deal extended through 20 June 2013.
Unlimited lifetime automatic cloud backup from DrivePop is available for the next 8.5 hours through BitsDuJour for $60. This is the cost of one-year plans from places like Carbonite and Mozy Pro. Deal HereExpires tonight at midnight Pacific time (3AM Eastern) if I have my times correct.From their site:
-----------
Check it out folks! At $59.99, you're getting a whopping 84% off of a 5-year license. But it gets better. BurnWorld is extending this to a LIFETIME LICENSE exclusively for BitsDuJour customers purchasing today. This option isn't even available on the DrivePop website!You think youve got your bases covered, since you back up all of your key data every night to an external hard drive. Yet, your backup strategy is doomed to failure in the event of a fire, flood, or some other catastrophe that physically destroys your external drive and computer. The best backup plans involve copying your stuff offsite, and the best way to do that is with todays discount software promotion, DrivePop Online Backup!DrivePop Online Backup is the easiest way to make a backup of the files you don't want to risk losing! With DrivePop Online Backup, your data is protected from any local harm, since it lives online, far far away from your house in a secure military-grade data center that itself is protected with redundant drives and security systems. Your cat photos have never been this protected before!You dont even have to remember to execute backups with DrivePop Online Backup, since the program runs silently in the background, harvesting and uploading your data automatically. Best of all, when you use DrivePop Online Backup, youll be able to access all of your files and folders on your cloud storage using your iPhone, iPad, or Android device!
-----------This is not an archive service -- if you (accidentally or otherwise) delete a file from your hard drive, it will be deleted from your DrivePop storage 30 days later. But this will store all files you specify from your hard drive, and it will keep up to 30 versions of each file, protecting you in case you overwrite or change a file and want to undo the goof.Tremendous value!
This is NOT the game! It is the expansion pack for game owners of Civilization V Gods and Kings. Normally priced at $29.99.Find here: http://www.newegg.com/Product/Product.aspx?Item=N82E16832205068&...Epic Expansion Pack to the Game of the Year Strategy ClassicThe massive expansion pack to Sid Meier's Civilization V has arrived, with exciting new ways to expand your empire and dominate the world. Deploy spies in enemy cities to steal information and technology, cultivate Great Prophets to create a religion that will spread across the world, and master exciting new systems for land and naval combat. Lead your civilization with one of nine new leaders as you explore new scenarios, build new Wonders, and create dozens of new units, buildings and techs.Sid Meier's Civilization V base edition required to play.Internet Connection and acceptance of Steam Subscriber Agreement required for activation. See www.steampowered.com/agreement for detailsSoftware license terms available in game manual and at www.take2games.com/eula. Non-transferable access to special features such as exclusive, unlockable, downloadable or online content, services or functions may require single-use serial code, additional fee and/or online account registration (13+). Access to special features may require internet connection, may not be available to all users, and may, upon 30 days notice, be terminated, modified or offered under different terms.Minimum System Requirements
Operating System: Windows XP SP3 / Windows Vista SP2 / Windows 7
Processor: Intel Core 2 Duo 1.8GHz or AMD Athlon X2 64 2.0GHz
Memory: 2GB RAM
Hard Disk Space: 8GB Free
DVD-ROM Drive: Required for disc-based installation
Video: 256 MB ATI HD2600 XT or better, 256MB nVidia 7900 GS or better, or Core i3 or better integrated graphics
Sound: DirectX 9.0c-compatible sound card
DirectX: DirectX version 9.0cRecommended System Requirements
Operating System: Windows Vista SP2 / Windows 7
Processor: 1.8GHz Quad Core CPU
Memory: 4GB RAM
Hard Disk Space: 8GB Free
DVD-ROM Drive: Required for disc-based installation
Video: 512 MB ATI 4800 series or better, 512MB nVidia 9800 series or better
Sound: DirectX 9.0c-compatible sound card
DirectX: DirectX Version 11
Newegg Coupons
Excessive tax deductions, should I snitch?
Added on : Friday June 14th 2013 07:00:10 AM
An acquaintance of mine "owns a small business" (i.e. he sells stuff as part of an MLM) and he seems to be pretty successful with it. As part of his sign-up pitch (which he never turns off), he brags about how owning a small business allows him to deduct almost everything he spends money on. For example, "If a customer calls me while I'm at the grocery store, that makes it a business trip and I can deduct the miles driven to and from the store." I know that he uses a CPA and I can't imagine that any responsible CPA would recommend such an obviously fraudulent strategy (maybe I just have a crummy imagination).As much as I like this person (aside from the constant MLM pitch), the tax fraud really angers me. I don't want to get him in trouble, but I do want him to take tax deductions more seriously. I'm debating reporting him to the IRS. Any arguments for or opposed?
Should I Make Early Mortgage Payments for 2.75% Fixed Rate?
Added on : Wednesday June 12th 2013 01:00:07 PM
With my previous home of 7.25% and later refinanced to 5.25%, I paid off my 15 year mortage in about 10 years by making early extra payments into the principle. However, my new home comes with a 15 year fixed of 2.75%. I do not think it is a good strategy to make early payments like last time because the real inflation rate appears to be even higher than 2.75%. Also, there is benefit of tax deduction.Should I or should I not make early payment for this new mortgage of 2.75% fixed?
Steam - Rome Total War - 90% off - $1.00 until 6/12 1pm EST
Added on : Tuesday June 11th 2013 09:00:02 AM
Oldy, but a goody....Rome: Total Warhttp://store.steampowered.com/app/4760The Gold Edition includes:Rome: Total War Guide one of three noble Roman families on a century spanning quest to seize control of the Roman Empire.Rome: Total War - Barbarian Invasion (official expansion pack to Rome: Total War) Witness the decline of Rome as Barbarian hordes attack, forcing a bitter internal struggle between rival factions. Voted 2004 Best Strategy game by IGN, GameSpy and GameSpot.
Fight alongside or against history's greatest leaders such as Julius Caesar, Spartacus, and Hannibal to expand or destroy the Roman Empire.
Lay siege against the Romans as Attila the Hun, fearful Saxons, or other savage factions using signature weapons and abilities.
Command warrior-tested legions in cinematic epic battles with thousands of soldiers on-screen at once.
A century-spanning campaign charges players with strategically managing the economic, civil, religious and military arms of their empire.
Tax Saving Strategy-Salaried
Added on : Tuesday June 04th 2013 09:00:05 PM
I am here to know more about tax saving strategies. We started working full-time few years ago, so not sure if we are using all strategies to save on taxes. Not able to discuss these topics with friends or relatives because it becomes too personal and uncomfortable to them not to me.We are 27 and 28 and luckily we work full time, making about $156,000 a year together. All income on W-2s.
Married filing joint
Luckily we are able to:
Both Max out 401k
Both Max out HSA
Both Max out Roth IRA
---
Student loan interest about $1500/year
Home mortgage interest about $4000/year
Live in a No State Income Tax State, so cannot take that deduction.
No Big ticket Purchases, so no big sales tax other than sales tax on regular expenses, can I include them? Save all receipts?
--
No kids yet, so no dependents
I Have a very small consulting trade gig in the side, can I take home-office deduction? Should the company make a lot of money or can I claim expenses more than revenue?
--Please suggest:1.Any basic tax saving strategy that we are missing or can include
2.Any more ideas/strategies to save more on taxes?
3.I believe we cannot contribute to IRA, can we do a backdoor roth in addition to directly contributing to roth?
4.Are we filing taxes in the correct status? Can filing with some other status minimize our taxes, if so what status is that?
5.Even if we do not get a lot of revenue from the small side consulting gig, can I contribute to a SEP IRA?
7.Can I set up some company to channel money to it, so that we can save on taxes? (legally, like AAPL does!)Though, I do not hate paying taxes, I welcome any and all suggestions to save on taxes. Thank You very very much!
Financing a new house build with partial 0% credit cards
Added on : Tuesday June 04th 2013 10:00:08 AM
I am looking to do a new build on a house later in the year. My friend is doing one now and got a build loan and he'll go with a different lender for the final mortgage after it is built. I have a good lender for the final mortgage that tells me the rate won't be different if I get a build loan or just self finance for the build time and then get a mortgage for the build. If I self finance I save on a couple of appraisals, one closing cost, and the higher interest on the build loan. I could self finance via cash on hand, 50k 1yr loan from my 401k, approx 50k on 0% credit cards, and a low interest rate loan from my parents. I could skip the 50k on credit cards and 401k and go all with the loan from my parents but I'd prefer to keep that as small as possible. Once built I'll get an appraisal and a cash out mortgage for probably 70-80% of the value, pay back the loans and get my Cash Back in hand. What I was wondering if anyone knew anything about is:1) Does that seem right that I'd get the same rate from the lender after for a cash out loan? I can't get a fix on the rate as they can't go out that far right now. I am going to another guy I know this week who has longer locks to see if they could do the same type of mortgage so I will know more on that later.
2) For the 0% credit cards, I've done App O Rama in the past so have a bunch of open credit lines, about 130k worth. I tried to get a couple of cards for specific points scenarios last year and was the first time I ever got denied, and they said I had too much open credit (either with them or in general, I'm not sure). Am I better off waiting for mailings from existing cards or calling and asking for 0% offers, or should I just close out the accounts I don't use, wait a month or 2, and apply for a bunch of 0% purchase cards? What I'm wondering is if the time between me closing current accounts and applying makes a difference.
3) I have a 401k with an old employer that doesn't allow loans anymore. Is there any vehicle I could roll that 401k into to get another 50k loan from that 401k account?I'd appreciate any advice or thoughts. On the credit cards I thought there might be a thread talking about this scenario of not being approved because of lots of cards and strategy to get back to getting approved for everything in the app o rama stuff but I didn't see it, so if it exists I apologize and would appreciate a link. My credit score is still over 750 according the the last pull.Regarding the low interest parent loan that would be less then 3% and very short term, they are fine with it and I'm not worried about paying back the value since I'll be mortgaging 70-80 once the build is complete so I'll be able to pay back all loans no problem probably within 6mo of making my first payments.
Help with Term Life Insurance Laddering Strategies
Added on : Sunday June 02nd 2013 05:00:05 AM
FWF, I'm recently married and it's time for us to buy life insuranceAbout us:
- We're both 30 years old
- No kids (yet)
- Neither of us have health issues
- Each of us have 6 digits salaries and our liquid savings are more than 50% of combined gross pay
- Student loans will be paid off this year - then debt free
- We can comfortably afford all of the life insurance premiums we've been looking forGoals for Life Insurance:
- Buy long-term insurance while we're still young and healthy and premiums are low!
- Buy matching policy amounts for both myself and my wife
- Ladder (2) to (3) term life insurance policies over differencing maturities
- Prefer to have different LifeCo's for each ladder and that they are publicly traded/very large LifeCo's with at least name recognition
- Willing to pay premium to avoid risks mentioned abovePolicy Amount:
- Expect to increase savings materially
- Policies are approximately 10-20x current salary, but future wage growth is promising
- Determined premiums by backwards calculating annuity/investments rate payments for future living expenses
- Flexible on different strategies other than outlined below
- Work provided life insurance is 1x salary that we don't pay forPricing is from term4sale.com (Thanks SIS!)Current Strategy
Purchase (1) 20-year term life policy with $1.5M policy for each of us, takes us through age 50
Purchase (1) 35-year term life policy with $1.5M policy for each of us, takes us through age 65
Total Coverage for each of us: $3M each for first 20 years, then $1.5M policy for the last 15
Annual Costs combined: $3,580/year for the first 20 years and then $2,390 for the last 15 yearsDoes this sound like a reasonable plan? What am I missing? Where may I make a mistake?
Putting 10% down when I have 20%? Help me do the math.
Added on : Tuesday May 28th 2013 09:00:06 AM
I'm in the market for a house, and I'm trying to figure out my strategy for the downpayment. I think that putting 10% down instead of 20% down could give us flexibility, and help extend our cheap credit even further. I bow to the FW gods to help validate / invalidate / fine tune my approach.max house price $450,000
10% down is 45,000
Estimated $145 / month pmi payment
145*12=$1740 in pmi payments yearly1740/45000 = 3.8% That is what the 45k would have to earn to break even. If I'm somehow unable to earn that, then I could just put that money towards the mortgage and be done with this experiment.I know that there is also a difference in the total amount of interest paid, but I'm taking the long view on this. I'm looking at it as taking as long as possible to pay back money at 3.5(ish)% while my money is hopefully earning more than that elsewhere. My fiancee and I are both good savers, and we have no chance of squandering the downpayment. I also view this as a possible hedge against a sudden job loss, since the money that would have gone into the downpayment can act as a second emergency fund.Fatwalleteers, is there anything that I have overlooked? Does it make sense to pay 10% down when I have 20%? I'd love to hear your thoughts.
The Secrets of Economic Indicators: Hidden Clues to Future Economic Trends and Investment Opportunities (3rd Edition) [Kindle Edition]Bernard Baumohl (Author)http://www.amazon.com/dp/B008O7V05UPublication Date: July 23, 201233 Reviews ★★★★For years, investors, business strategists, and policymakers worldwide have turned to one book to help them translate the massive flow of economic data into knowledge for intelligent decision-making. The wall street journal called this book "the real deal," saying it "miraculously breathes life into economic indicators and statistics." That book is Bernie Baumohls classic best-seller The Secrets of Economic Indicators. Now, in a brand-new Third Edition, Baumohl has thoroughly updated his classic to reflect the latest US and foreign economic indicators, and brand-new insights into what all of todays leading indicators mean. Baumohl introduces dozens of new, forward-looking economic markers, including those that monitor small business plans, freight traffic shifts, web searches, and even gambling. He also presents several real-time foreign indicators for anticipating swings in European and Asian economies. He explains whats happened to the global and domestic U.S. economy in recent years, showing how financial crises impact investments, strategy, and economic indicators. New graphics more clearly illuminate how key indicators impact interest rates, bond and stock prices, and currency values; and hundreds of websites containing US and global economic indicators have been updated. This classic book has long been considered an invaluable resource by professionals who need to understand the true meaning of the latest economic trends. With this new edition, Bernie Baumohl has made it even more useful.About the Author
Bernard Baumohl, Chief Global Economist at The Economic Outlook Group, oversees its forecasts of economic trends and geopolitical risks. He also conducts seminars on how corporate leaders and investors can use forward-looking economic indicators to stay ahead of the business cycle. He has lectured on economics at New York University, Duke University, and the New York Institute of Finance.

Baumohl was also an award-winning TIME magazine economics reporter who covered Wall Street, the Federal Reserve, and the White House. As an economist for European American Bank, he conducted research on the global economy. He also served as an analyst with the Council on Foreign Relations. Baumohl has a Masters degree in international affairs and economics from Columbia University.
Amazon Coupons
Chargeback/Warranty questions
Added on : Tuesday May 21st 2013 07:00:13 AM
I'm not certain if this is the correct forum, but I'm looking for advice as to how to proceed with this warranty-related issue.In late March, I spent over $1500 on repairs from a Goodyear Service Center, which included, among other things, a new radiator. A few days ago, as I was driving in a rural area 300 miles from where I received the original repairs, my car broke down. I had it towed to the nearest garage, and they determined that my radiator was defective, and it would have to be replaced, but it required a transmission fluid flush which could only be done at a dealership located 10 miles from this garage. Before agreeing to anything, I contacted Goodyear's warranty department to file a claim and get everything approved. They discussed with the mechanic and agreed that my car should go to the dealership. There was no Goodyear service center within reasonable distance that could perform the required repairs, apparently. They were opaque about the actual reimbursement amount, but assured me that most everything would be covered.The next day, I received a call from the dealership informing me that the repairs would cost around $1000, but Goodyear was only willing to reimburse around $400, citing that warranty policy only covers "costs up to the original repair." After some protesting, I was able to get them to increase the reimbursement amount to around $550, but they were inflexible about anything more, stating that policy would not allow them to budge. I also have a $300 tow bill that they will only reimburse up to $50 (not to mention the hotel/rental car, which I am not optimistic about). They advised me to go through the Goodyear Service Center which performed the repairs to seek any additional reimbursement. As a result, since I'm still within the 60 day period, I filed a chargeback on the original repairs, and I am planning to seek the difference between what the warranty will cover and my total bill. Is this a tenable strategy, or should I continue to push for more coverage from the warranty department? I charged the original repairs to my Chase Sapphire, so I am going through their dispute department. Any advice on how best to minimize my financial burden or a link to a more appropriate forum would be greatly appreciated. Thanks in advance.
Enterprise Analytics: Optimize Performance, Process, and Decisions Through Big Data (FT Press Operations Management) [Kindle Edition] - was $49.99Thomas H. Davenport (Author), International Institute for Analytics (Author) http://www.amazon.com/dp/B0099RN76OPublication Date: September 13, 20127 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MISThe Definitive Guide to Enterprise-Level Analytics Strategy, Technology, Implementation, and Management
Organizations are capturing exponentially larger amounts of data than ever, and now they have to figure out what to do with it. Using analytics, you can harness this data, discover hidden patterns, and use this knowledge to act meaningfully for competitive advantage. Suddenly, you can go beyond understanding how, when, and where events have occurred, to understand why and use this knowledge to reshape the future. Now, analytics pioneer Tom Davenport and the world-renowned experts at the International Institute for Analytics (IIA) have brought together the latest techniques, best practices, and research on analytics in a single primer for maximizing the value of enterprise data. Enterprise Analytics is todays definitive guide to analytics strategy, planning, organization, implementation, and usage. It covers everything from building better analytics organizations to gathering data; implementing predictive analytics to linking analysis with organizational performance. The authors offer specific insights for optimizing supply chains, online services, marketing, fraud detection, and many other business functions. They support their powerful techniques with many real-world examples, including chapter-length case studies from healthcare, retail, and financial services. Enterprise Analytics will be an invaluable resource for every business and technical professional who wants to make better data-driven decisions: operations, supply chain, and product managers; product, financial, and marketing analysts; CIOs and other IT leaders; data, web, and data warehouse specialists, and many others.About the Author
THOMAS H. DAVENPORT, (Cambridge, MA) co-founder and Director of Research of the International Institute for Analytics, a world renowned thought leader and executive advisor on analytics. His book, Analytics at Work: Smarter Decisions, Better Results, was named a must-read for 2010 by CIO Insight. Davenport holds a Ph.D. from Harvard University, taught at Harvard Business School, and led research centers at McKinsey and CSC. He is President's Distinguished Professor of Information Technology and Management at Babson College; senior advisor, Deloitte Analytics, Deloitte Touche Tohmatsu; and member, Board of Sponsors, MIT Center for Information Systems.
Amazon Coupons
[PC Game Download] Paradox Strategy Packs: $9.99~$14.99 at Amazon
Added on : Thursday May 16th 2013 08:00:05 AM
They are back!
Paradox just placed lots of strategy games packs on sale at Amazon Downloads.Paradox Seas Bundle at $9.99
Victoria2, Pirates of Black Coves, East India Co...Paradox War Chest at $9.99
Hearts of Iron3, Victoria2, King Arthur 1&2...Paradox Majesty Pack at $9.99
Defenders of Ardania, Warlock, Majesty 1&2...Crusader Kings Pack at $14.99
Crusader Kings 1&2 + all DLC so farThose games have all been highly rated.
Most are "Grand Strategy" games with loads of replay value.
I've spent over 120h on Crusader Kings 2 alone.
Those packs are ridiculous value and will provide lots of gaming time for strategy gamers.Not sure how long this will last...
Amazon Coupons
Life Insurance...do I need it?
Added on : Monday May 13th 2013 06:00:06 PM
Noob to Fat Wallet, so I'm sorry for beating a dead horse. For the last several weeks, I've been trying to figure if I need life insurance or not, and if so, what to get. I was approached by a Northwestern Mutual agent who represents a few colleagues of mine. He wanted to discuss my financial planning and recommended I look into whole life insurance as a mid-long term financial strategy. He seems like a decent guy, but I'm not sure I trust him.A little bit about me: I'm 27 years old, single, no kids, healthy, non-smoker, and my occupation is dentist. I've been working for 1 year now and I'm trying to put all the pieces in place for my financial future. I have been maxing out my Roth IRA since 2012 and have about a 3 month emergency fund saved up with a little over 10k in it. Debt wise, I have a 30k auto loan @ 1.9% and 330k in student loans ( ~255k @ 6.5% and ~75k @ 7.9%).Back to my question: The NML agent recommended I open a mixed term/whole life insurance policy now while I'm young and healthy so that I can get a low premium and accumulate tax-free money to use for any major purchases down the road (house, marriage, buying a dental office, etc). Down the road, as I need less term insurance, I would be able to convert it over to permanent life insurance without undergoing the medical underwriting. It all seemed to make sense in terms of the tax advantages and long term planning. However, after doing a TON of online reading, 99% of what I've read has led me to believe that whole life insurance is a bad situation in general and also that I may not need life insurance at all right now, whether it be term or otherwise.I am looking for a financial avenue to accumulate wealth for mid/long term with minimal risk and effort on my part. I don't have the desire right now to spend time researching different funds/indexes, etc to invest in. I would prefer to simply automatically deposit money into some sort account and let it do it's thing. Is anything out there that fits the bill? Or should I just put as much money as I can into paying back my student loans right now and forget about long term financial planning until it's all paid back? I have a very basic knowledge of the financial world (if that wasn't already made apparent by this post), so I appreciate your patience and help in this matter.
I just learned about this trick for those able to pay for a used car in full. The strategy being that sales guys get kickbacks from the finance department if the customer gets a loan through the dealer, and may be more inclined to lower the sale price. On the customer's end, you pay off the loan within a couple days and do not incur any future interest expense, cashing in on the reduction in the sale price you got because of acquiring a loan.Does this actually work? Has anyone had any experience with doing this? What are the "gotchas?"
Researchers successfully predict stock market using Google Trends
Added on : Tuesday April 30th 2013 08:01:25 PM
http://www.forbes.com/sites/davidleinweber/2013/04/26/big-data-g...
http://news.yahoo.com/google-predicts-stock-market-crashes-study...TL;DR: Researchers were able to use Google Trends to predict the stock market. When more people searched for "debt", they shorted the DJIA. When fewer people searched for it, they went long. The results: a 326% return, as opposed to a 16% return for a buy-and-hold strategy.
This is really an incredible concept. So much of the market's performance is based on consumer confidence, but there's never been a good way to accurately measure that on any kind of scale, and without it taking so long to gather the information that it became worthless. Now with tools like Google Trends & Wikipedia statistics, you can use big data to measure these statistics for tens of millions of people, almost in real time.To really make anything of this, you'd need a few good data sources, several appropriate keywords, and an application of some sort to feed all of the data into (this would overwhelm something like Excel pretty darn quickly). I think the first two are pretty obvious - anyone have any thoughts on the 3rd?
DISCLAIMER: Obviously, this is primarily of interest academically, and as a matter of curiosity. Using a virtual trading account with fake money would certainly be interesting, but putting real money into something like this would probably be unwise, at least at this point.
Marketing Metrics: The Definitive Guide to Measuring Marketing Performance (2nd Edition) [Kindle Edition] - was $49.99Paul W. Farris (Author), Neil T. Bendle (Author), Phillip E. Pfeifer (Author), David J. Reibstein (Author)http://www.amazon.com/dp/B0031AI0VCPublication Date: January 8, 201017 Reviews ★★★★.5Marketing Metrics: The Definitive Guide to Measuring Marketing Performance, Second Edition, is the definitive guide to todays most valuable marketing metrics. In this thoroughly updated and significantly expanded book, four leading marketing researchers show exactly how to choose the right metrics for every challenge and expand their treatment of social marketing, web metrics, and brand equity. They also give readers new systems for organizing marketing metrics into models and dashboards that translate numbers into management insight.

The authors show how to use marketing dashboards to view market dynamics from multiple perspectives, maximize accuracy, and triangulate to optimal solutions. Youll discover high-value metrics for virtually every facet of marketing: promotional strategy, advertising, and distribution; customer perceptions; market share; competitors power; margins and pricing; products and portfolios; customer profitability; sales forces and channels; and more. For every metric, the authors present real-world pros, cons, and tradeoffs--and help you understand what the numbers really mean.

This edition introduces essential new metrics ranging from Net Promoter to social media and brand equity measurement. Last, but not least, it shows how to build comprehensive models to support planning--and optimize every marketing decision you make:

Understand the full spectrum of marketing metrics: pros, cons, nuances, and application
Quantify the profitability of products, customers, channels, and marketing initiatives
Measure everything from bounce rates to the growth of your web communities
Understand your true return on marketing investment--and enhance it

This award-winning book will show you how to apply the right metrics to all your marketing investments, get accurate answers, and use them to systematically improve ROI.About the Author
Paul W. Farris is Landmark Communications Professor and Professor of Marketing at The Darden Graduate Business School, University of Virginia, where he has taught since 1980. Professor Farriss research has produced award-winning articles on retail power and the measurement of advertising effects. He has published more than 50 articles in journals such as the Harvard Business Review, Journal of Marketing, Journal of Advertising Research, and Marketing Science. He is currently developing improved techniques for integrating marketing and financial metrics and is coauthor of several books, including The Profit Impact of Marketing Strategy Project: Retrospect and Prospects. Farriss consulting clients have ranged from Apple and IBM to Procter & Gamble and Unilever. He has served on boards of manufacturers, retailers, and e-Business companies. Currently, he is a director of GSI Group, Sto Corp., and The Ohio Art Company.

Neil T. Bendle is a Ph.D. candidate in marketing at the Carlson School of Management, University of Minnesota. While studying for his Ph.D. he has won awards for his teaching, and his thesis has focused on managers difficulties in understanding consumer tastes. He holds an MBA from Darden and has nearly a decades experience in marketing management, consulting, business systems improvement, and financial management. He was responsible for measuring the success of marketing campaigns for the British Labour Party.

Phillip E. Pfeifer, Richard S. Reynolds Professor of Business Administration at The Darden Graduate Business School, currently specializes in direct/interactive marketing. He has published a popular MBA textbook and more than 35 refereed articles in journals such as the Journal of Interactive Marketing, Journal of Database Marketing, Decision Sciences, and the Journal of Forecasting. In addition to academic articles and a textbook, Mr. Pfeifer is a prolific case writer, having been recognized in 2004 as the Darden Schools faculty leader in terms of external case sales, and in 2008 with a Wachovia Award for Distinguished Case writer. His teaching has won student awards and has been recognized in Business Weeks Guide to the Best Business Schools. Recent consulting clients include Circuit City, Procter & Gamble, and CarMax.

David J. Reibstein is Managing Director of CMO Partners and William Stewart Woodside Professor of Marketing at the Wharton School. Regarded as one of the worlds leading authorities on marketing, he served as Executive Director of the Marketing Sciences Institute, and co-founded Whartons CMO Summit, which brings together leading CMOs to address their most pressing challenges. Reibstein architected and teaches the Wharton Executive Education course on marketing metrics. He has an extensive track record consulting with leading businesses, including GE, AT&T Wireless, Shell Oil, HP, Novartis, Johnson & Johnson, Merck, and Major League Baseball. He has served as Vice Dean and Director of Whartons Graduate Division, as visiting professor at Stanford and INSEAD, and as faculty member at Harvard. He serves on the Board of Directors of Shopzilla, And1, and several other organizations.
Amazon Coupons
Firms of Endearment: How World-Class Companies Profit from Passion and Purpose [Kindle Edition] - was $39.99Jagdish N. Sheth (Author), Rajendra S. Sisodia (Author), David B. Wolfe (Author)http://www.amazon.com/dp/B0093J9OPG
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.

Were entering an Age of Transcendence, as people increasingly search for higher meaning in their lives, not just more possessions. This is transforming the marketplace, the workplace, the very soul of capitalism. Increasingly, todays most successful companies are bringing love, joy, authenticity, empathy, and soulfulness into their businesses: they are delivering emotional, experiential, and social valuenot just profits.
Firms of Endearment illuminates this, the most fundamental transformation in capitalism since Adam Smith. Its not about corporate social responsibility: its about building companies that can sustain success in a radically new era. Its about great companies like IDEO and IKEA, Commerce Bank and Costco, Wegmans and Whole Foods: how they earn the powerful loyalty and affection that enables truly breathtaking performance.

This book is about gaining share of heart, not just share of wallet. Its about aligning stakeholders interests, not just juggling them. Its about building companies that leave the world a better place. Most of all, its about why you must do all this, or risk being left in the dust... and how to get there from wherever you are now.About the Authors
Rajendra S. Sisodia
Raj is professor of marketing and founding director of the Center for Marketing Technology at Bentley College. He has a Ph.D. in marketing and business policy from Columbia University. He has published nearly 100 articles in journals such as Harvard Business Review, Journal of Marketing, Journal of Business Strategy, Journal of Business Research, and many others. He also writes frequently for the wall street journal. His research, teaching, and consulting expertise spans the areas of strategic marketing, marketing productivity, marketing ethics, and stakeholder-based marketing. In 2003, he was cited as one of 50 Leading Marketing Thinkers by the U.K.-based Chartered Institute of Marketing. Raj consults with and provides executive seminars for companies in various industries. Clients have included Sprint, Volvo, and IBM, to name a few. He coauthored The Rule of Three (Free Press, 2002) with Jag Sheth. Other recent books include Tectonic Shift: The Geoeconomic Realignment of Globalizing Markets (Sage Publications, 2006) and Does Marketing Need Reform? (M.E. Sharpe, Inc., 2006), both with Jag Sheth. Forthcoming books include The 4As of Marketing and Marketing Management (John Wiley & Sons), also with Jag Sheth.

David B. Wolfe
David is an internationally recognized customer behavior expert in middle-age and older markets. He is the author of Serving the Ageless Market (McGraw-Hill, 1990) and more recently Ageless Marketing: Strategies for Connecting with the Hearts and Minds of the New Customer Majority (Dearborn Publishing, 2003). Davids consulting assignments have taken him to Asia, Africa, Europe, and throughout North America. He is widely published in publications in the United States and abroad. He has consulted to numerous Fortune 100 companies, including American Express, AT&T, Coca-Cola, General Motors, Hartford Insurance, Marriott, MetLife, Prudential Securities, and Textron.

Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
Amazon Coupons
Out with the old car, and in with the new(ish)?
Added on : Thursday April 18th 2013 12:01:09 PM
My current vehicle is a 1990 Oldsmobile 98 Regency with 165k miles. It's got a lot of cosmetic wear & tear, as well as a growing list of mechanical issues. I dropped about $1,200 on it not too long ago when the camshaft sensor and various other parts crapped out, and now the transmission appears to be on its last legs. I'm still stinging from the last repair bill, and I'm wary of throwing good money after bad, so I'm beginning to think that it's time to look into a new (or new-to-me) vehicle. Every vehicle I've ever owned has either been a gift, or bought from a close family friend, so I don't have any experience with dealerships or buying services. I've taken the time to read and re-read the "Buying new cars the FWF way" thread, as well as reading various threads giving advice on buying new vehicles, but the information I've gleaned is patchwork at best.What I'd like to do is get rid of the Oldsmobile and get a light-duty pickup truck - I've got my eye set on a Toyota Tacoma, base 2WD with manual transmission, but I'm fairly flexible. I can afford about $4,000 in down payment now, and up to $250 in monthly payment if need be. I'm a PenFed member with excellent credit, and I'm aware of the financing options they have available now.Firstly: Understanding that the preferred FWF strategy seems to be buying used, should I be looking at just getting a used truck, or is Certified Pre-Owned worth the premium and limited selection? If I do just go the used route (from a reputable dealer) what sort of protections do I have if I drive the truck off the lot and it just up and breaks/dies/explodes? Is buying new even worth considering, especially at this low price-point?Secondly: What to do with the Oldsmobile? I'd just as soon rather not have the extra insurance/tax payment, and I've already got a backup vehicle for worst-case-scenarios. Given its rather poor condition, both cosmetic and mechanical, would I be just as well off trying to get some sort of trade-in value after negotiating a price on the new/new-to-me vehicle? I'm thinking that even private-party the best I could get for it is measured in the hundreds of dollars, and even then I don't think I'd want to deal with the headache of contacting, negotiating, etc'ing with a private party.Thanks in advance for any advice.
Oh, also: What's the deal with FW and Crown Vics? Is it a tongue-in-cheek thing, or are they actually worth a rip? I think I'm done with sedans, but thought I'd ask.
Geico insurence question: What happens if you report to them
Added on : Tuesday April 16th 2013 05:01:08 PM
This happened four months ago in the sate of MA. A driver hit me from behind.I reported the incident to Geico as the guy didn't have the insurance and didn't want to pay for the damage( The police was not called). Later on he agreed to pay for it and I closed the case with Geico. Fast forward a week ago someone scratched corner of the front bumper of my car and again I took it to Geico for repair estimates so that I can use my comprehensive coverage to get it repaired. The agent gave me the estimate but I have not scheduled the work yet as I am not sure how all this will play out with my premiums. The question I have:
* Would reporting incidents to insurance agency make it to the car history? If yes how it will affect the value of car if I sale it.
* Would I be penalized for using comprehensive coverage? Am I looking at premium increase in future? Would changing insurance help if premium go up
* What is best strategy in this case: use comprehensive coverage or spend cash.Any advice is highly appreciated. Thanks
Free Options Trading Kindle eBook @ Amazon (Was $49.99)
Added on : Friday April 12th 2013 06:00:03 PM
The Option Trader's Hedge Fund: A Business Framework for Trading Equity and Index Options [Kindle Edition]Digital List Price: $49.99
Print List Price: $49.99
Kindle Price: $0.00 includes free wireless delivery via Amazon Whispernet
You Save: $49.99 (100%) "In this book, a hedge fund manager and an option trading Coach show you how to earn steady, reliable income selling options by managing your option trades and running your option portfolio as a real business with consistent, steady returns. Packed with real-world examples, the authors show you how to manage your own one man hedge fund and make consistent profits from selling options by applying the basic framework and fundamental business model and principles of an insurance company. This framework helps you to apply your option trading strategy to a solid, predictable, business model with consistent returns. For someone who has some knowledge of trading options and wants to become a consistent income earner. The authors provide a complete operations manual for setting up your business. Gain pearls of wisdom from both a professional options trader and Coach, and from a hedge fund manager focused on managing an options based portfolio."http://www.amazon.com/dp/B00844NXC6/ref=nosim/?ascsubtag=FWbpbdad&tag=fatwalletcom&linkCode=as1
Amazon Coupons
Environment Getting Tough For Investors: My Breakdown
Added on : Wednesday April 10th 2013 07:01:17 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
My Breakdown of the Current Economic Environment
Added on : Wednesday April 10th 2013 06:01:16 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest in the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from your confidence in the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
0% Balance Transfer checks - how to use them?
Added on : Wednesday April 10th 2013 12:01:13 PM
So I pay off all my credit cards monthly. Other than my mortgage, I have no debt - so I'm not sure if I am missing an opportunity here or not.I received some Balance Transfer checks from one of my credit card companies offering me 0% until 6/2014 (14 months).
The most I can transfer is about 20K.I assume the optimal use for this would be to transfer a balance from another card with a higher rate. I'm wondering however if these balance transfers must be used to transfer a balance or can I use it to simply write a 20K check to myself and have an extra 20K to invest. They look like standard checks...so not sure if this can be done?If so - and anyone has done it - what are some of the better strategies for investing? If I put it somewhere at 1% interest it is only $200 - but it is a safe $200.Also, I am not fully understanding all the verbiage on the checks, but it appears that if I use them it will impact my ability to use the card for standard purposes. It state:"If you transfer a balance with this offer you may not be able to avoid interest on purchases, even if your promotional balance transfer has 0% APR. You can avoid interest on purchases if you pay your account balance, including any balances you transfer with this offer, in full by your due date each month"Does this mean that if I use the checks then all my purchases will be charged interest unless I pay off the entire balance of the card? If so, it would mean the only way to utilize a strategy like this is to use the card *only* for the balance transfer? I believe I have read some posts to this effect in the past - but as I have never entertained this, I was unsure of the process.UPDATE: I see there is a balance transfer fee of 5% - which pretty much makes this useless. However I'm sure there are some offers for no fee transfers and as such, I would still be interested in the answers to my above questions. thx!
I thought about creating an alt ID to post this, but I hate when other people do that, so I decided to post on my real username. This involves my GF of several years, whom I am likely to get married to (thus why this might become "my problem"). She was sick a few years ago and racked up huge medical bills during a two year time frame when she did not have any health insurance. She used CCs to live off of and paid off her medical bills with her (meager) salary. She now knows this is a bad idea, as she could have negotiated down the medical debt easily and never had to use CCs, but thats not something that can be fixed now. The CC debt over the period of a few years was large but not insanely large until she could no longer float it on 0% or low interest cards, now its exploded to about ~80k. She has never missed a payment on any CC and everything is current. Her job situation is that shes a graduate student and isn't expected to get her PhD for 3-4 more years. She now is under the university health plan so while she still has some medical expenses, the cost is now manageable even on a TA salary.Once she graduates she will probably start at 70-85k, but she also has about 55k in student loans from undergraduate (subsidized stafford). However, she will almost certainly get a tenure track job at a public university, so those will be forgiven after 10 years through the public service forgiveness program (thanks taxpayers!). I am aware of three options:
(1) Bankruptcy - Wipe it all clean, deal with the 10 years bad credit. My question is - if she does something like gets a secured credit card that reports to the bureaus and keeps it at $0 balance, will the credit recover enough to where its impact will be more manageable in a few years? Or is the 10 years of bad credit basically just that - no credit of any kind from anyone until its off the credit report?
(2) Stop Paying - This will from my understanding result in 7 years of bad credit or so once the balances get charged off. However, in the mean time she gets to deal with debt collectors and given that some of the individual balances are large (1 card is a 20k balance) - will she be sued for the larger amounts?
(3) PAY YOUR BILLS DEADBEAT - Always the preferred (and in my opinion, the best option) but realistically not feasible. She would not even be in the position to negotiate a pay off for deletion type strategy until she gets a job, which again is at least 3-4 years down the road. She is currently throwing every dime she has from her $20k/year TA salary at keeping current, her only other expenses are rent and food, and its not enough to decrease the debt at all. She called all the CC companies a few months ago to ask if they would be willing to lower interest rates or work out some sort of lower payment plan, but all of them refused to do so until she was delinquent with the payments. Which option is best here? I am leaning towards recommending she pursue bankruptcy (cost: 1.5k, according to the lawyer she talked to) just to get it over with, but it may be better dealing with debt collectors for 7 years if it means 3 years sooner where she can get credit (and use it responsibly, this time). We are of course both reading credit boards about this, but I wanted to get the FWF opinion (with all the negative that will include) as well.
Hello FW Family,I'm looking for some life saving advice because you don't know what you don't know. My goal of this post is to access my current saving plan and make proper adjustments. I'm "stingy" with cash and feel like I MUST save although I'm not really saving for anything specific. I just worried that just cause I make more money now that I should spend it.BACKGROUND:I graduated college in 2006 and a friend told me about the Fatwallet community. I actually joined just to save a few bucks and turned out to buy stuff I didn't really need from the "hot deals" forum. Since then I've spent lots of time in the "finance" forum shadowing post on "buying houses" and learned about the basics of getting out of debt, got scared to get in debt, and really learned from a lot of you all. I bought my first condo with the help of fatwallet, turned into a landlord with the purchase of my second property, paid of all my CC debt, and saved $90k in cash. Hell you all saved me hundreds in my last post when I got screwed by a water heater company.Debt:
$40K College loans at 3% rate
$1500 (Monthly) - Rent + Parking (Recently moved to San Francisco)
$300 (Monthly) - Bills (Cell phone, cable, electric, etc) My current saving strategyAt the start of the month I get paid and immediately pay my rent $1500 and put $1500 away in my ING account. When I get paid on the 15th, I put away $1500 in ING and have $1500 to pay bills, eat, live etc. This $1500 typically covers me for the next time I get to the middle of the month. I treat it as a "game" kinda but I've been sticking to my plan of $3000 saved in ING monthly. I'm not saying this is a good plan and I do purchase items and go out to eat here and there. I just graduated my master's program and will have to start paying back on my loans in 6 months. I currently invest 12% in my 401K and do not contribute to my ROTH IRA anymore since I'm not much a good stock investor.Questions
1) I know my saving plan isn't sophisticated so ANY advice on other alternative saving plans would be greatly appreciated. Tips?
2) What is a good amount I should be saving per month?
3) I plan on buying a car in the next year? What is the best way to finance it? I could pay cash but I've also heard you could borrow against your 401K or do a HELOC. Any advice there?
4) Is there any place I should be putting the money other than ING?
5) What moves did you use while 30 (Question assumes you're over 30 years old)Thanks in advance. This post in no way is to come across as a d*uche or another what should I do with 6 figures of saving kinda post. I'm generally asking for help because I have trust issues going to a personal advisor at Merril Lynch or something along those lines. In a weird way I feel you guys are my extended family.
Strategy for Parent's Unmanageable Student Loans
Added on : Friday April 05th 2013 06:01:40 PM
My parents took out loans to help me pay for college many years ago. After my graduation, they paid toward them a little, but then decided to attempt to forbear indefinitely. This was "successful" for many years until Sallie Mae recently purchased the loan. Years of accrued interest have brought the total to $90,000.The payment level Sallie Mae is requiring wasn't budgeted for by my parents, who had basically mentally written the loan off. They believe that paying the monthly payments would bring them to a subsistence existence; this could be close to the truth.They've requested my help, understandably. I could put about $20,000 toward the debt before falling into debt myself. Given my parent's total debt level and income, however ($125k total vs. $30k/yr, respectively), I'm not sure that even $20k would be particularly impactful over the long term.I don't know that a consolidation loan would be available given their middling credit scores and the large debt size, but we haven't yet looked into it. Both are at retirement age, so I'm trying to come up with a sustainable situation without taking on unsustainable debt myself. Those two situations may be mutually exclusive, I fear.Any ideas would be greatly appreciated, thanks.
Pre-marriage strategy - Thoughts minimizing loss?
Added on : Monday April 01st 2013 07:01:02 PM
My situation is I'm getting to an age where I have to consider marriage/kids at some point in the short term (2-5 year) future, and probably won't be allowed a prenup. It appears from what I've read/seen that I have a good chance of getting married with kids, having a messy divorce, and losing my shirt. I live in Arizona.I'm going to use some hypothetical, round numbers just for the sake of discussion that could be 2-3 years in my future. I think an intimate financial picture will just cloud what I'm looking for, which is pre-planned strategy for marriage/kids then a messy divorce. I know it's sad I have this attitude, but everything I see looks like this is how life works.Me, wedding day:

$150k/salary
$600k of homes with 50% paid down
$200k in 401k
Her, wedding day:

$50k/salary
$5k CC debt
What steps can I take now? I know purchasing the homes before getting married helps me keep them in the event of a divorce. Can I setup any sort of trusts? What if I get more houses as rental properties and they show a profit before marriage? Can I somehow isolate all of that stuff? Am I guaranteed screwed without a prenup?
Kindle Books 4/1/13
Added on : Monday April 01st 2013 06:00:42 AM
Archen's away this week, so please help out if you can! These are 4-5 stars, a mix of new and old, nd only guaranteed FREE at time of posting. More later...have to head out to work -Buzz Books 2013: Spring/Summer [Kindle Edition]
http://www.amazon.com/gp/product/B00B5Z8WHW?ie=UTF8&ref_=oce_dig...
Pub. 2/5/13Last year's Buzz Books 2012 presented passionate readers their first look at many titles that went on to be hailed as ""Best Books of the Year""--including M. L. Stedmans The Light Between Oceans; Kevin Powers The Yellow Birds; Peter Hellers The Dog Stars; and Amanda Coplins The Orchardist; and John Kenneys Truth In Advertising. We also featured major new works from Junot Diaz (This Is How You Lose Her); Barbara Kingsolver (Flight Behavior); Dennis Lehane (Live By Night); J.R. Moehringer (Sutton); and even Neil Youngs memoir (Waging Heavy Peace). Readers gave us rave reviews online, added new discoveries to their to-be-read lists, and asked us for more.The new Buzz Books takes another publishing insider event--independent booksellers' Winter Institute--and makes it a major launch and discovery point. Enjoy substantial samples from some of the books that booksellers, reviewers, publishers and others are already talking about as some of the big new literary discoveries on the way. There is an abundance of potential breakouts from highly-regarded novelists, including Kate Atkinson (Life After Life), Stephen Kings son Joe Hill (NOS4A2), Meg Wolitzer (The Interestings), Ruth Ozeki (A Tale For The Time Being), Philipp Meyer (The Son), Therese Anne Fowler (Z: A Novel Of Zelda Fitzgerald), Alexander Maksik (A Marker To Measure Drift), and Benjamin Percy (Red Moon). Once again, we present the first look at the anticipated debuts of new authors including Pushcart winner Anthony Marra (A Constellation Of Vital Phenomena); Caine Prize winner NoViolet Bulawayo (We Need New Names) and Anton DiSclafani (The Yonahlossee Riding Camp For Girls).Hot nonfiction includes Lily Koppels The Astronaut Wives Club, already in development for film by Imagine Entertainment, and Skinny Bitch co-author Rory Freedman's Beg, on a new way of regarding all animals. There is also an extensive overview of the entire publishing season, curating over 100 more notable books to look for.
-------------------------------------WAR STORY [Kindle Edition]
http://www.amazon.com/WAR-STORY-ebook/dp/B00C0YT4S8/ref=sr_1_2?s...
pub. 3/24/13Discharged from the Marines, Jerry Colin returns home to Clarksdale County Iowa, a small, rural farming community. After buying the farm he has desired since early adolescence and marrying his high school sweetheart, he easily settles into the quiet, slow-paced country lifestyle. Jerrys intensions are to farm the land and raise his children in the same rural atmosphere as his father and grandfather had. Having tasted life in the fast lane, his greatest desire is the simplest of all, to provide for his family while taking the time to sit on the porch and rock in a chair as he watches the world rush past.
Brutal reality awaits him when the Vanlair, a small Russian religious clan, migrates to America, purchases land bordering Jerrys farm and builds a complex for their followers. The Vanlair are intent on building a safe environment for their community by driving the farmers from their land and assuming control of the county. The Vanlairs fast-paced lifestyle, overt aggression, and ancient religious beliefs are incompatible with a small rural American community. Culture and religion clash.
As Jerrys livestock and belongings disappear, hes forced off his farm in order to protect his wife and newborn son. After a deadly roadside ambush, Jerry flees, appalled by not only his deadly reprisal against the Vanlair but also his abilities learned in the Vietnam War.
Fearing his desire for revenge and hiding in the fog of alcohol. He runs as he deals with the pain and frustration of his disrupted life. After his father and brother are killed, he returns home, where he goes to war intent on driving the invaders out.
Jerry isnt alone. With the help of a small group of former CIA and government officials who provide needed supplies and his best friend who is married to a Russian born woman. Jerry is able to unite the county as they fight for their families, homes, and town.
====================================Stone Cold Heart [Kindle Edition]
http://www.amazon.com/Stone-Cold-Heart-ebook/dp/B00BO4ZGVO/ref=s...
pub. 3/2/13A tough, by the book, Houston Cop, Riley Stones life changes in an instant, when a woman she tried to protect is killed by her abusive husband. Driven by a secret in her own past, Riley had sought to protect and serve. Her moral compass shattered, she finally sees the justice system for what it truly is. We live in a world where the weak are prey, and murderers and rapists get a slap on the wrist. The wheels of justice grind slow. In Rileys new world the stalkers have become the stalked. She has stepped so far outside of the law there is no turning back now.
====================================SMART SCHOOL TIME RECIPES: The Breakfast, Snack, and Lunchbox Cookbook for Healthy Kids and Adults [Kindle Edition]
http://www.amazon.com/SMART-SCHOOL-TIME-RECIPES-ebook/dp/B0041KK...
Pub 8/31/10This e-cookbook was created to encourage whole foods living for families, while offering ample alternatives to prepackaged meals and snacks.Within you will discover 125 healthy recipes and over 100 full color photos for quick breakfasts, on-the-go snacks, and portable lunch items. And of course, the recipes are kid-friendly (and adult-friendly!), easy, and delicious. The chapters include:Morning Muffin Mania
Sensational Smoothies
Easy Freezin Waffles, Pancakes, and French Toast
More Smart Starts
Dips, Fillings, and Spreads
Soups and Stews
Salad-Style
More Lunchbox Love
Sweet Snackin
Craving Cookies
Essential Extras
==============================================================DIY Herbal Spa: Learn how to make organic aromatherapy bath products at home [Kindle Edition]
http://www.amazon.com/DIY-Herbal-Spa-aromatherapy-ebook/dp/B00AM...
Pub 10/12/12Attention, DIYers! Want to learn how to make organic botanical bath products?Instead of giving readers bath product recipes, DYI Herbal Spa starts with that Crucial step that most teachers miss: training your sense of smell so that you can create the perfect scent every time. And every chapter contains easy-to-follow training exercises designed for you to become comfortable with making each type of botanical productas well as a few recipes to get you started.What are you waiting for?
======================================Gluten Free Diet Plan: 50 Easy Recipes For More Energy and Celiac Disease Recovery (Gluten Free Cooking) [Kindle Edition]
http://www.amazon.com/Gluten-Free-Diet-Plan-ebook/dp/B00BPYEBQ4/...
Pub. 3/5/13How To Create Healthy and Easy Gluten Free Meals For Your Family
I Believe Anyone Can Enjoy a Gluten-Free Diet With These Great Recipes
You could be just 30 minutes away from your new favorite GF dish! In this book you will learn:
How To Create Tasty Gluten Free Meals
If you've tried gluten free cooking before, you've probably noticed most of the recipes are bland and the taste is mediocre, at best. But not with these delicious recipes! I believe GF meals should be just as delicious and tasty as any wheat-filled dish. And these recipes deliver.
10 Delicious Gluten Free Breakfast Recipes
Breakfast sucks without cereal and toast, right? No way! These tasty gluten free breakfast recipes will delight you and your family. You'll probably enjoy them even more than your old, gluten-filled breakfasts.
10 Delicious Gluten Free Lunch Recipes
Lunch should be fun and delicious too! And it will be from now on with these easy to make GF lunches.
10 Awesome Gluten-Free Appetizers
Sometimes snacking on a gluten free diet can be even harder than finding a meal. But not anymore! These GF appetizers are perfect for parties, dinners and a mid-day snack to keep you going.
=======================================================Stay or Go? How to Know if Your Marriage or Relationship is the Right One for YOU (Growing in Love for Life Series, Vol. 6) [Kindle Edition]
http://www.amazon.com/Marriage-Relationship-Growing-Series-ebook...
Pib/ 12/2/12Is your marriage right for you? Should you stay and work out your problems - or simply leave?
If you are in the wrong marriage you will never be happy. Period.
This important book by marriage Coach Liam Naden will show you exactly whether or not you are in the right relationship.Just some of the things you will learn:- six steps to determine if you are in the right marriage
- how to decide if you should stay or end the marriage
- the "hidden" reasons why deciding on the future of your marriage is the most important decision you will ever make
- the true purpose of your marriage (it's probably not be what you think!)
- your secret resource for gaining strength in your marriage
and much more.With rare insight, Liam Naden will take you deep into yourself to ask the right questions that are vital for the future of you and your family.
=======================================The Irritability Cure: How To Stop Being Angry, Anxious and Frustrated All The Time (Anger Management) [Kindle Edition]
http://www.amazon.com/The-Irritability-Cure-Frustrated-ebook/dp/...
Pub. 2/21/13How To Get Rid of Irritability and Anger Without Pissing Anyone Off Stress and Anger Expert Doc Orman, M.D. Shares His Secrets To Curing Anger If you want to be happier, healthier and more peaceful, this book is for you! You will learn: How To Eliminate Anger Before It Eliminates YouDr. Mort Orman has been studying irritability and the impact of anger on your health, success and life for years. In his research, he found a proven strategy that works for getting rid of anger and irritability fast, without drugs or medications.
One Simple Process For Turning Negative Thoughts Into Fuel For GrowthWhen you eliminate negative thoughts and energy from your life, you'll feel a sense of calm an inner peace like you've never felt before. But this is the power of negative thinking - when you turn your negative thoughts around, you actually create more energy and power that moves you into the direction you want to go in your life faster than you've ever moved before.
Why Going For Happiness Is The Quickest Path To What You WantSo often in life we try to be right instead of being happy. We argue to protect our viewpoint when we could just as easily let the argument go and be happy. Learn how to reprogram your mind and subconscious habits and never have another unnecessary argument again!
=======================================Why Men Pull Away [Kindle Edition]
http://www.amazon.com/Why-Men-Pull-Away-ebook/dp/B009P7PY6Y/ref=...
Pib 10/10/12Why men pull away? Have you ever had this problem? You are in a relationship, everything is going well, you might even be starting to wonder if he is the one, and then all of a sudden, and probably without any rational explanation, he pulls away. You are left hurt, confused, and angry, you don't know what's happened but you do need answers! The crazy things is that just because he pulled away it doesn't mean that he doesn't care for you or love you. If you want to keep your relationship strong then you need to learn to understand him, his motivations and his fears. This book will set you on the path to understanding your man and hopefully building a happy future together.
==============================================Lily Lemon Blossom Welcome to Lily's Room [Kindle Edition]
http://www.amazon.com/Lemon-Blossom-Welcome-Lilys-ebook/dp/B007K...
Pub 2/28/12Meet Lily Lemon Blossom, a delightful little girl who loves adventures and playing with her friends. Lily invites you to see her lovely room and meet her many friends, including Bunny Rabbit and Josephine her kitten who is always by her side. A quick peek into Lily's room will tell you quite a lot about her. The room comes alive with it's vibrant colors and huggable plush toys. It's a happy place for a happy little girl and her friends.
==============================================Rikki-Tikki-Tavi [Kindle Edition] by Rudyard Kipling
http://www.amazon.com/Rikki-Tikki-Tavi-ebook/dp/B004C43I68/ref=s...
Pub 1894
This is the story of a boy and his weasel, a bird and a snake, India and the British Empire. Rudyard Kipling's dramatic tale, here excerpted from the greater volume of The Jungle Book, is the story of the loyal mongoose, Rikk-Tikki-Tavi, and the lengths to which he must go to protect his adoptive human family.
===============================================GRANDPA HATES THE BIRD: The Battle Begins [Kindle Edition]
http://www.amazon.com/GRANDPA-HATES-THE-BIRD-ebook/dp/B005MTB73S...
Pub. 12/12/11I am no fool. I knew that if I wanted to make it to the end of the week alive, I would have to avoid upsetting Grandpa as much as possible. No singing, no playful nips, no jaunty bell.Bird and Grandpa stay home in Massachusetts while Mother, Father, Joseph and Maya head south for a winter holiday. When Grandpa determines to set tropical Bird free in freezing February, Bird must use every bit of bird brain power to outsmart him. Will Bird become a parrot popsicle?
Whats in the creepy second bedroom where no one ever goes?
Do Grandpa and Bird play Dig a Hole to China and Send Birdie on a Trip?In the spirit of Tom and Jerry, Bugs Bunny and Elmer Fudd, and Road Runner and Wile E. Coyote, here come Bird and Grandpa in the hilarious first short story in the Grandpa Hates the Bird series!====================================30 Delicious Poke Cake Recipes [Kindle Edition]
http://www.amazon.com/Delicious-Poke-Cake-Recipes-ebook/dp/B009I...
Pub 9/27/12Poke Cakes are amazing and fantastic desserts. They exhibit the 4 key qualities of the perfect dessert: They are Simple, Quick, Incredibly Delicious and Fun! These moist cakes are extremely simple to make. They are made with cake, pudding or Jell-O gelatin, fruit spreads fresh fruit and a variety of toppings. You are only limited by your imagination in the ingredients you can use. They are really quick cakes to prepare. You can make a simple but delicious Boston Cream Poke Cake in 1-1/2 hours and most of that time is baking time!Poke Cakes are delicious cakes. One of my favorites is the Strawberry Poke cake which is a white cake with homemade strawberry syrup, homemade strawberry filling and sweetened whipped cream with fresh strawberries on top. The cake is a strawberry-whipped cream explosion that melts in your mouth!Finally, making a Poke Cake is fun for both adults and kids. Kids just love to poke holes into the top of these cakes and fill them with Jell-O gelatin or pudding. Poke cakes are great projects for the entire family.Included in this book are 30 kitchen-tested Poke Cake recipes. There are also recipes for 3 bake-from-scratch cakes for people who don't like to use cake mixes. Finally there are also recipes for homemade apricot jam, homemade lemon curd and sweetened whipped cream.Pick up a copy of 30 Delicious Poke Cake Recipes today and make a delicious Poke Cake this weekend. You wont regret it.Here are the recipes you'll get:RECIPES
Apricot Poke Cake
Banana Cream Poke Cake
Black Cherry Poke Cake
Black Cherry Jello-O Poke Cake
Black Forest Poke Cake
Blackberry Jell-O Poke Cake
Blueberry Poke Cake
Boston Cream Poke Cake
Butterscotch Poke Cake
Chocolate Caramel Poke Cake
Chocolate Chocolate Poke Cake
Chocolate Fudge Poke Cake
Chocolate Pistachio Poke Cake
Chocolate Pudding Poke Cake
Coconut Pineapple Poke Cake
Grape Jell-O Poke Cake
Hot Fudge Caramel Poke Cake
Lemon Blueberry Poke Cake
Lemon Coconut Poke Cake
Lemon Mascarpone Poke Cake
Orange Jell-O Poke Cake
Oreo Pudding Poke Cake
Peach Poke Cake
Pineapple Jell-O Poke Cake
Pistachio Pudding Poke Cake
Raspberry Poke Cake
Strawberry Poke Cake
Strawberry Banana Poke Cake
Strawberry Cheesecake Poke Cake
Strawberry Jell-O Poke Cake
BAKE FROM SCRATCH CAKE RECIPES
Bake from Scratch Chocolate Cake Recipe
Bake from Scratch White Cake Recipe
Bake from Scratch Yellow Cake Recipe
JAMS, SPREADS & TOPPINGS
Easy Homemade Apricot Jam
Homemade Lemon Curd
Sweetened Whipped Cream
==========================================================The Best Pie Recipes [Kindle Edition]
http://www.amazon.com/The-Best-Pie-Recipes-ebook/dp/B00930J8O2/r...
Pub 8/27/12This amazing little book will be an essential staple in your kitchen because it contains the best pie recipes! Whether you are hosting a picnic or holiday gathering, attending a party, or simply satisfying a sweet tooth this book of easy pie recipes will be your go-to guide for pies!Dont be fooled, these are not new pie recipes, but yet the classics and some with a spin. Are you looking for a fancy, lattice top pie? Or maybe a classic two-crust apple or pumpkin pie for the holidays? Or perhaps an amazing fruit filled pie in the summer months? This little book will make your creations become the talk of the town. And heres the kicker theyre not complicated. Sure there are recipes that are more complex or will take a bit longer, but these are easy pie recipes as well. And lets face it, sometimes you just want to make a filling instead of using those preservative-loaded cans from the grocery store. Well, this book also contains pie filling recipes!Show up at your friends house with one of these marvelous creations, and your friends will envy you and your baking abilities. Even if youve never baked a pie before in your life, youll find these simple pie recipes too hard to resist. Dont go another day without this little secret for delicious deserts in your hands!
=================================================Tex-Mex Recipes - 100 Recipes to Spice Up Your Appetite [Kindle Edition]
http://www.amazon.com/Tex-Mex-Recipes-Spice-Appetite-ebook/dp/B0...
Pub. 10/21/12There is simply nothing more delicious than homemade enchiladas in hardy gravy with cheese bubbling on top. Or how about a warm breakfast burrito to get your day started? Within this cookbook of 100 Tex-Mex recipes you will find meals that will satisfy the whole family. Recipes like Easy Meat & Potato Tacos, Green Chili Quesadillas, Tamale Pie and something sweet such as Cinnamon Apple Enchiladas. If you love Tex-Mex food or even if you have never tasted Tex-Mex you are guaranteed to fall for the savory deliciousness that makes it one of the most popular foods around. There is truly nothing like it and that's a good thing!
-------------------------------------------------
Maximizing Social Security Benefits
Added on : Tuesday March 26th 2013 12:01:32 PM
Although there are too many variables to offer suggestions that will work for everyone, I thought the topic might still be of interest to FWF and their families.
If you havent already done so, you can create an online Social Security account.SSAUse a my Social Security online account to get your Social Security Statement, to review:
Estimates of your retirement, disability, and survivors benefits;
Your earnings record; and
The estimated Social Security and Medicare taxes youve paid.There are many other strategies to increase the payout from Social Security, but I thought it might help by suggesting two options that may work for some people.1. Assuming that you are in decent health and can afford to wait to begin collecting benefits, it may make sense not to collect benefits until you reach 70.Lets say your full retirement age is 66 and your monthly benefit starting at that age is $1,000. If you choose to start getting benefits at age 62, your monthly benefit will be reduced by 25 percent to $750 to account for the longer period of time you receive benefits. This is generally a permanent reduction in your monthly benefit. If you choose to not receive benefits until age 70, you would increase your monthly benefit amount to $1,320. This increase is from delayed retirement credits you get for your decision to postpone receiving benefits past your full retirement age. The benefit amount at age 70 in this example is 32 percent more than you would receive per month if you chose to start getting benefits at full retirement age.What is the best age to start receiving retirement benefits?
2. For couples, file and suspend may provide additional benefits. Fine-tuning the plan. Most Social Security planning focuses on married couples' ability to "file and suspend," a strategy to help a couple get the most total benefits. Typically, the higher earner claims his or her benefit at full retirement age, then suspends it. The higher earner can delay the benefit up to age 70, earning another 8% a year in delayed retirement credits. Meanwhile, the lower earner, at full retirement age, could take a spousal benefit and wait to file for his or her own benefit up to age 70, also earning another 8% a year.WSJ
Negotiating with Backbone: Eight Sales Strategies to Defend Your Price and Value [Kindle Edition] - was $29.99Reed K. Holden (Author)http://www.amazon.com/dp/B0083JCRVKPublication Date: May 16, 2012Genre: Business & Investing34 Reviews ★★★★.5Sales professionals now confront the most serious threat to their success. Regardless of their size, industry, country, customer type, nature of the relationship or amount of value they provide, sales professionals are finding that purchasing decisions are increasingly being limited by procurement. The modern procurement function is purchasing on steroids. Where traditional purchasing managers negotiated, procurement officials attempt to dictate. Procurement deploys a variety of tactics designed to do one thing: gain unprecedented discounts and concessions out of even the most sophisticated sales professionals. This book is a strategy guide for salespeople to help them level the procurement playing field by showing readers how to assess the game procurement plays, describing proven ways to resist discounting and protect margins, demonstrating ways to keep value at the forefront of negotiations, offering targeted tactics to protect hard-earned profits from mindless discounting, and detailing eight strategies effective in any type of pricing negotiation. This book will be an invaluable resource for B2B sales professionals, customer-facing professionals, and executives responsible for leading successful sales organizations.About the Author
Reed K. Holden, CEO and Founder of Holden Advisors, is a world-class pricing expert who has spent the past 20 some years helping clients build go-to-market strategies to drive price leadership and profitable growth. His firm has been consulting with clients for 10 years to improve and sustain pricing power in highly competitive markets. His latest work with salespeople focuses on successfully dealing with high pressure procurement departments through more effective value positioning, selling, and negotiation. With Mark Burton, he wrote Pricing with Confidence: Ten Ways to Stop Leaving Money on the Table. He is also coauthor of the second and third editions of The Strategy and Tactics of Pricing.
Amazon Coupons
The Power of Communication: Skills to Build Trust, Inspire Loyalty, and Lead Effectively [Kindle Edition] - was $26.99Helio Fred Garcia (Author) http://www.amazon.com/dp/B007VONQYKPublication Date: April 23, 201245 Reviews ★★★★Communication is the absolutely indispensable leadership discipline. But, too often, leaders and professional communicators get mired in tactics, and fail to influence public attitudes in the ways that would help them the most. The Power of Communication builds on the U.S. Marine Corps' legendary publication Warfighting, showing how to apply the Corps' proven leadership and strategy doctrine to all forms of public communication and achieve truly extraordinary results. World-renowned leadership communications expert, consultant, and speaker Helio Fred Garcia reveals how to orient on audiences, recognizing their centers of gravity and most critical concerns. You'll learn how to integrate and succeed with all three levels of communication: strategic, operational, and tactical. Garcia shows how to take the initiative and control the agenda respond to events with speed and focus use the power of maneuver prepare and plan and put it all together, becoming a "habitually strategic" communicator.
Amazon Coupons
Buying a used car... is it worth it? (how old is too old?)
Added on : Friday March 15th 2013 09:02:01 AM
So i drive a 98 Durango. 190k miles and in pretty good shape. I've done most of my own repairs (water pump, ac, radiator etc) however I know cars don't last forever... so I'm always looking for a graceful exit strategy. My friend let me know he is selling his 2001 Tacoma with 99k. This has been a vehicle I've wanted, albeit I was hoping for something a little newer (2008 or newer) He has been the only owner and done all the maintenance (new water pump, tires, plugs and wires). He has just used it to commute 20 miles a day. It's pretty much has all the options, double cab, Pre-Runner V6, leather (not 4x4), however I was SHOCKED at the price $10,600 He told me that was in line with KBB. Sure enough he was right. However, edmunds.com has it more in the 6500-7000 range. Also on craigslist, similar vehicles are listed around 10k...So my question is, as i've obviously been out of the car market for a long time, please help me realize if this is something I should pursue or not and if I should go for the edmunds price or somewhere between KBB and edmunds, I really couldnt believe the discrepancy. I have the cash, but it kills me to pay roughly 10k for a depreciating asset that is already 12 years old with roughly half its life used up (99k miles might not be half way on a Toyota). I can't believe Toyotas hold their value this well. Do I just need to man up and realize the used car market is like this now? Plus I'd only be "trading up" by 3 years from my current vehicle. I can only sell my durango for MAYBE 2k.
I have only a short commute so, if I put only 7k miles a year, the truck could last me another 10 years, easy, but then it would be 22 years old! At some point rubber and other parts starts to deteriorate/fall apart no matter the miles and how well you take care of it, due to age, right? Spare the Crown vic jokes, I already pass a place everyday on my way to work where a guy always has 3 or 4 interceptors for sale (03' or 04' for roughly 3k-4k, maybe I should just buy one of those when my beloved durango dies)Thanks for the advice!
optimal AOR strategy for spouses
Added on : Monday March 11th 2013 12:01:06 PM
my dad is finally getting into aors and is simply amazed at the sheer value available. we're now wondering at the details of how aors / credit in general apply to each individual in a married couple. is it as simple as my mom just applying for all the same cards to get double the bonus even though she has no income of her own, but shares his income? how do the applications and credit scores apply to a married couple both in general and within the context of optimizing AOR strategy? another example is my buddy has a fiance and they just double down by applying for 2 of every card. but once they are officially married, how would that change how they should go about optimizing AOR strategy? is there flexibility? thanks in advance for any discussion!
Advice on how to approach a costly Priceline cancellation
Added on : Tuesday March 05th 2013 11:02:52 AM
Hello;Allow me to preface this topic with a simple acknowledgment that I fully grasp severity of the situation I have put myself in and thoroughly understand that Priceline rules and regulations do, indeed, provide clear indication that purchasing a vacation package through them is a non-refundable (seemingly non-transferable?) sale. Unfortunately, I've come to understand this all just a little too late. So, please only provide helpful advice or assistance. I'm beating myself up enough that I do not need to further add salt to the already blistery wound. Does anyone have some experience with (or a good strategy to) Priceline.com in regards to seeking a refund for a trip I cannot take in 5 months? I purchased the "insurance", but I was foolish enough to have not read the fine print. Priceline offers NO refunds / cancellations, and if you purchased the insurance you must file a claim, but ONLY if you fall under their coverages (which I do not), including: 1.) a sickness which debilitates you severely enough for a doctor to write a letter to Priceline insisting you cannot fly, 2.) the death of an immediate family member at the time of or just before the trip, 3.) loss of employment (must be at the job for at least 3 years), 4.) being directly involved in a documented automotive accident at the time of or just before the trip, 5.) having your home made uninhabitable due to a list of unfortunate events, 6.) the airline changes or cancels and the flight...It goes on, but ultimately ends with the final coverages which involve having a terrorist attack or natural disaster happen in the destination city. Doubtable, but...anyway. I wouldn't be so upset about it and would almost be willing to bite the bullet, but there's shy of $3,000 of my money at stake, so its just a little too hard to swallow.
How to Help Spouses Understand and Embrace the FWF Lifestyle
Added on : Thursday February 28th 2013 11:01:12 AM
I was just reviewing the FWF Heavy Hitter thread and reread a post by maxfleischer regarding spouses and differences in attitudes / thoughts on finances, including FWF $henanigans. My spouse is quite averse to debt. Also averse to making money in a non-working-for-a-living fashion. Example: We could pay off more of our mortgage (3.5%, 1/4 of which is tax deductible) or could invest more in our Prosper / LC accounts and get ~8% (~6% after taxes). To me, this is a no-brainer to go with Prosper / LC. To her, we don't get anything from Prosper / LC, but she feels better about having a smaller mortgage. She's smart, taken a lot of math (through calculus), etc. So... it's an emotional issue -- pretty much preventing her from understanding the math. What methods have been effective for you for convincing / persuading a spouse to take the FWF path and not one of emotional comfort? One site I've found to help a bit: http://findyourmoneymind.com/ It's not great by any stretch, but at least the concept of diving in to differing ways of looking at money and approaching communications differently for different people is great. For a "protector / fear driven" person, focusing on how an approach may lead to future safety might be a good strategy. Anyone have any other sites / worksheets to help communicate effectively with spouses who don't get the FWF way? How many carry on $henanigans without informing their spouse? Does anyone use a spouses credit without their knowledge or consent? If so, please share your thoughts on this. Anyone have a spouse that willingly allows use of their credit / accounts but doesn't want to know about it? DB
Buying 3 out of 4 condos in a condo association...
Added on : Saturday February 16th 2013 05:01:02 PM
I am interested in purchasing three out of four condos in a condo association. Three are REO and are being sold together under one MLS #. The condos are currently rented, except the one owner. There are two similar buildings on the same street at the condo, but are owned as apartments. What it sounds like is someone purchased this building 7 years ago, tried to make them into condos and it foreclosed as they never sold all the condos. It is a local REO. I have currently requested the condo docs and hopefully will have those shortly. Here is what I am wanting to do and am seeking advice: I am wanting to buy the three units, and thus will have control of the association. Ideally, I would want to buy out the owner of the one unit. The owner purchased in 2007, and is most likely underwater. I would then dissolve the condo association and rent out the units. Questions: I plan to purchase the three condos with one mortgage from a local bank. I currently have 3 mortgages and this would be a 4th, which puts me at the cap. Anyone have experience with putting more than one property/parcel on a investment loan (not commercial)?Assuming I get the condos, I see two scenarios with the owned unit: they don't sell, in which case I have three condos , but all are cash flowing nicely. I continue to run them as rentals and manage the association separately and pay for 3/4 of the buildings costs. Second scenario: They sell to me (it would have to be less than they paid, so they most likely have no incentive to sell, unless I can somehow do a seller financing type of strategy and take over their underwater mortgage. I would then want to dissolve the association (or would I as long as I own them all?). I would imagine I need an attorney to dissolve the association, but any comments or experience in this?Any thoughts on the above scenario?
Buying the rental from the owner.
Added on : Monday February 11th 2013 04:01:41 PM
This is a good thread that is similar to my current situation - but the difference is that our area is now in an upmarket, not a down one and I'm interested more broadly in negotiation strategies.
http://www.fullofdeals.com/forums/finance/790382/Situation:
Renter for the past 5 years, very unique house, we are in love with it. Very very small number of similarly situated houses (so comps are few/far between).
Property Manager/Realtor is our point of contact, we have no direct contact withe the owner. Manager is friends with owner.
We want to buy - primarily to stabilize our future living situation and because we are in love with the house (yes, I realize that being in "love" with a single house is stupid - alas, it is very unique) - our monthly will undoubtedly be > rent now and that's ok.
There are some comps of similar houses, but nothing as *small* as the house we want to buy. In our area, small houses have outsized $/sq ft rates down to a point, then there is actually a dropoff (so for example, 900 sq ft houses have lower $ sq foot then 1000 sq foot houses which have higher $/sq ft then 2000 sq ft houses. You get a lot more for your $ above $1M in our area, but alas, we aren't in that market. The house is very small, sub 1k sq feet.
We know little about the owners situation, except that the property manager says they are interested in selling and that they own multiple properties.
This is in the inner Bay Area - inventory is currently tiny, houses are selling briskly, etc.So I want:
1. To convince the owner that the price we agree to is a good one (that he doesn't need to put it on the market to find out what it's really worth)
2. To convince the owner that the costs of putting it on the market are high (fixing it up, unrented, inspections, etc).
3. To convince the owner that the value of selling directly to us is high (no contingencies, one simple negotiation about price etc).So I'm looking for feedback on how to approach all this. My feeling is that I can make the arguments above pretty convincingly. In addition, I think we can do this with one real estate agent commission instead of two (we'll just get a lawyer).Thoughts on negotiation strategy? My feeling is that starting low may make the owners want to put it on the market to find out what it will fetch. Of course, I don't want to starrt high either.The problem comes in the comps. I can make an argument that the house is only worth X based on comps, but I can also make the argument that it's worth X+200k. The comps are that weird.I'm tempted to go with a middle point and then explicitly say - "and you're going to save another 50k by not having to actually formally sell the house" so that's already in the price.Alternate strategies? How would you approach all this, keeping in mind that at present, this is all mediated through the property manager?Many thanks
Sold my startup. How to hedge against owning a LOT of a single stock?
Added on : Friday February 08th 2013 12:00:59 PM
Well the deal finally went through, my tech startup got acquired by a public company and now I have a big wad of cash as well as even more restricted stock in my new overlord. The stock vests over 3 years, so in the meanwhile my net worth is completely tied to this company. To make things even crazier, it's an at-will employment and I could be fired at any time and get NONE of it (though it would be pretty dumb of them to acquire just to fire).My main questions are:
1) How can I hedge against this stock decreasing over time?
2) How can I hedge against getting fired? Some kind of insurance against not-for-cause termination?I've been lately hounded by wealth-manager types: they all charge 1% of assets per year, but I get the feeling that they'd be pretty good at setting up a good hedging strategy. Would it be worth it to go with guys like these? Anybody know of how to set up a good self-directed hedging strategy? My only idea is to buy put options, but they don't go very far into the future, so not very useful.Thanks for any help and ideas!
Four Free Games @ Green Man Gaming
Added on : Wednesday February 06th 2013 11:00:42 PM
Link"The free game giveaway extravaganza begins at 1200 GMT Friday, with each free game being available to purchase for 24 hours, and yours to keep!"p.s. 1200 GMT = 7am EasternOn Friday at 7am Eastern Zombies will be free for 24 hours. Currently $3.99
On Saturday at 7am Eastern Ninja Blade will be free for 24 hours. Currently $8.99.
On Sunday at 7am Eastern Unstoppable Gorg will be free for 24 hours. Currently $9.99.
On Monday at 7am Eastern Superstars V8 Next Challenge will be free for 24 hours. Currently $15.96.
[PC Game Download] Paradox Strategy Packs: $7.49~$14.99 at Amazon
Added on : Thursday January 31st 2013 03:00:03 PM
Amazon has renewed their Paradox Sales.
Paradox makes some of the finest PC grand strategy titles.They have:
Paradox War Chest $7.49
1. Achtung Panzer Kharkov 1943 [Download]
2. Gettysburg: Armored Warfare [Online Game Code]
3. Hearts of Iron III Collection [Download]
4. King Arthur Collection [Download]
5. King Arthur II [Download]
6. Victoria II [Download]
7. Victoria II: A House Divided DLC [Download]Crusader Kings Pack $9.99
(includes Crusader Kings and Cruserder Kings II + all available DLC at the moment)Paradox 2012 Ultimate Pack $14.99
(includes Games of Dwarves + DLC, Crusader kings 1+2+DLC, StarVoid, War of Roses + DLC, Warlock +DLC)Each pack is a tremendous value if you like that type of games.
I took advantage of one of the previous sales and I've clocked over 130h on Crusader Kings 2 alone. Really great game.
Amazon Coupons
Auto Loan Strategy
Added on : Sunday January 20th 2013 01:01:03 PM
Hello,I have negotiated a price for a all new Honda with a dealership online. I have come to a point where the dealer is agreeing to sell the thing for $100 over invoice+doc fee+tax+title+registration. I believe its a decent deal, not really sure though.Honda does not have have any offers on financing at least in my region (Southwest USA), so I am thinking of Penfed @1.49% for 48 Months.I have done all negotiations online(I have not told the dealer, about what i will be doing -finance or lease), I just want to go in to the dealership, test drive the car and close the deal, for which I want to get the financing ready before I go there. This is the first time, I am having to go for financing outside of the dealership, so new to that.1.Whats the process to arrange financing from Penfed before I finish/close the deal? Will they send me a check that I can give the dealership? not sure..
2.Do I have any other nationally available financing options better than the deal at Penfed -1.49% for 48 Months?
3.How easy/difficult is penfed to approve new auto loans? I have a good credit 740+, but as I refinanced a month ago, I have many mortgage inquiries (10+)..Shopped around a lot!!!!
4.This is my second car, on my primary car, I have about $4.5k loan with an equity of about $9000.00I would also appreciate if guys can give your opinion on the price I have negotiated (invoice+100) on the 2013 Accord EX-L without nav.As always, thankful to you guys here!
REITs Expanding Beyond Traditional Companies
Added on : Friday January 18th 2013 07:00:59 PM
I was at the coffee shop at work today and saw the December issue of Forbes and it was talking about how more companies are moving into REITs. Traditionally, they have been used by companies that specifically invest in real estate, but companies whose primary line of business isn't real estate are starting to get into the game if they hold considerable real estate investments as a by-product of their business strategy.For instance, Iron Mountain (IRM) is looking to become classified as a REIT; they focus on various data retention services, including storage of paper and electronic records and backups. Because of their business, they purchase land and build storage facilities to accommodate their customers.Another example is companies that hold real estate for billboards.As someone that has invested in REITs, I find this to be good news.Article: REITs Boom As More Industries Discover This Tax-Friendly Structure
Saw this blog entry for the Verizon RISK team about how a company detected two-factor VPN connections from China and thought they were facing some sort of sophisticated attack. Turns out an employee had outsourced his work to a consulting firm in China and FedEx'ed his VPN token to them paying them about 20% of his salary. Even better he appeared to be pulling the same scam at multiple companies at the same time. The best quote from the article is:Verizon RISK Blog said: Evidence even suggested he had the same scam going across multiple companies in the area. All told, it looked like he earned several hundred thousand dollars a year, and only had to pay the Chinese consulting firm about fifty grand annually. The best part? Investigators had the opportunity to read through his performance reviews while working alongside HR. For the last several years in a row he received excellent remarks. His code was clean, well written, and submitted in a timely fashion. Quarter after quarter, his performance review noted him as the best developer in the building.http://securityblog.verizonbusiness.com/2013/01/14/case-study-pr...
Check your auto insurance for the new year
Added on : Monday January 14th 2013 04:00:59 PM
Just a reminder to all -Do a competitive quote at some other auto insurance providers - especially if your rates have gone up due to accidents, etc.I just switched identical coverage amounts from Progressive to Geico and am saving over $300/6 month policy period (~650/year) for 2 vehicles for my wife and I.
(Looks like Progressive is still giving me the best deal my far on Motorcycle insurance though...)I know this is no amazing strategy or novel approach to money making - but we forget these little things sometimes. Hopefully this reminder spurs a few of you into action for some savings!
For mid-income earners with Traditional IRA assets and access to multiple tax sheltered vehicles (401k/403b/457b/HSA), here's a strategy for locking in artificially low tax rates during a conversion to a Roth IRA: For one tax year, max your tax-sheltered contributions and live off of HELOC funds. If you're in the 25%+ marginal tax bracket but can artificially reduce your income to put you into the 10% bracket, you're looking at an opportunity to pay low tax rates on a conversion, and all it costs you is the interest rate on your HELOC and a little bit in new debt.Here's an example:In December 2012 I converted two Traditional IRA accounts into Roth IRA accounts, in order to potentially lock-in lower tax rates should the fiscal cliff negotiations result in increases to my tax bracket. My plan had been to recharacterize any portion of the conversions that would be taxed at a rate above 25%. Upon retirement, I plan to have approximately equal amounts of traditional and Roth assets, and I do expect my marginal tax rate will be higher in retirement than it is now.However, I'm now considering recharacterizing the entire conversion amount, and artificially reducing my 2013 taxable income so that I can convert large portions of my IRA assets at 10% and 15% tax rates during the 2013 tax year. I'd be doing this by maxing my wife's and my 403b and 457b salary deferrals (we're both public employees and have access to both plans). We can each defer $17,500 per plan, for a total of $70,000 in 2013. We also each contribute 15% of income, or approximately $8000/year each, to 401a accounts (these amounts aren't changeable), so our total deferral in 2013 could reach $86,000. If we had chosen to use HSA accounts this year, we could have sheltered another $6450, for a total of $92,450 deferred in 2013.Our take-home income in 2013 wouldn't be enough to cover living expenses, so we'd have to access our HELOC to cover these costs. Our current interest rate is a variable 4%, though we could lock our rate at 3.9% and begin a 15-year repayment period, with no additional withdrawals available, should we decide it makes sense. For those curious about our HELOC, it is the Orange Home Equity through ING Direct (now owned by Capital One).We'd be looking at taking about $40,000 from the HELOC (and in a way, turning this into 403b and 457b assets) but at a cost of 4% interest and $40,000 in debt. It seems like paying 4% in interest is worth it for a tax savings of 10-15% on the Roth conversions (converting in the 10-15% brackets instead of 25%).Are there any details I'm overlooking? Any other ways to shelter income that I haven't considered?
LINK Platform: Windows | DRM: Steam Product DescriptionGames included in this bundle: Sid Meier's Civilization V: Game of the Year Edition , Sid Meier's Civilization V: Gods and Kings, Sid Meiers Civilization IV: The Complete Edition, The Stronghold Collection
1. Sid Meier's Civilization V: Game of the Year Edition [Download]
3.3 out of 5 stars (95) 3.6 GB $49.992. Sid Meier's Civilization V: Gods and Kings [Download]
3.9 out of 5 stars (29) 8.0 GB $14.993. Sid Meiers Civilization IV: The Complete Edition [Online Game Code]
5.0 out of 5 stars (1) 3.1 GB $29.994. The Stronghold Collection [Online Game Code]
4.5 out of 5 stars (4) 6.0 GB $19.99
Total Individual Price: $114.96
Bundle Price: $19.99
Amazon Coupons
I have found a way to put infinite money in a Roth IRA!
Added on : Monday January 07th 2013 04:01:02 PM
Inspired by a worthless post on how to borrow money tax free from an IRA I present an equally complicated way that you can actually put as much money as you can afford into a Roth IRA.The gist of it is you're going to open two Roth IRAs simultaneously and take completely opposite positions in the two. You will use a complex options strategy to make it very likely that one account will go broke while the other doubles in value. You will then "undo" the contribution to the loser account, while leaving the winning account in tact. The contribution limit for 2013 is $5,500 so the winning account will have $11,000. If that's all you want to do you stop, otherwise continue:Make two more accounts, do the same trick. Now you have two accounts with $11,000 and two zeroed accounts that have been undone. You then bet the two $11,000 accounts against each other so you have just one account left with $22,000. By now you get the point and you can keep on doing this forever in theory, by simply undoing contributions except for the last one which has all the money in it. Because you always bet on opposite sides of an option bet you're only ever out your commissions.The specifics of why this should work:We all know you can only contribute $5,500 to your IRA for the year. But you can open as many IRAs as you want so long as you withdraw all excess contributions and earnings before the end of the year. Publication 590 says: "If you withdraw contributions (including any net earnings on the contributions) by the due date of your return for the year in which you made the contribution, the contributions are treated as if you never made them. If you have an extension of time to file your return, you can withdraw the contributions and earnings by the extended due date. The withdrawal of contributions is tax free, but you must include the earnings on the contributions in income for the year in which you made the contributions." So even if I make 64 accounts at the start of the year and have them battle against each other until there is just one account standing with all the money, I am technically fine so long as I withdraw all contributions for all but 1 of the accounts. I just pick all of the losing accounts to undo, none of which have any earnings to include in income (note you cannot deduct the losses), and I am left with one account with a giant balance. It's as if the first 63 accounts never happened and I just got incredibly lucky with options bets on that one account.Now what investment could you make that would guarantee one account to double in value and the other to go to zero? You need a broker that will let you trade option spreads. In general IRAs cannot hold short positions in stocks or options, because those have infinite potential losses and they would not let your IRA go negative. But you are allowed to short an option if you limit you loss by buying another option that will offset any losses after a certain point. Let's say the SPY ETF is at $146. What you would do with your $5,500 short 55 call options with a $146 strike while simultaneously buying 55 call options with a $147 strike in the first account. On your second account you do the opposite and buy the 55 $146 strike call options while shorting the 55 $147 strike options. Now the first account will go broke if at the end of the contract SPY is anywhere above $147, and will double in price (net of spread and commissions) if the price ends at anything under $146. The other account will do the opposite. It will double if SPY ends above $147 and be broke if it ends under $146. If it ends in the middle one account will make some money and other will lose the same amount.Now if you followed any of that, you will probably be thinking you will get killed in commissions and bid/ask spread by buying so many contracts, and while that is the case you could certainly choose much wider spreads which would require you to buy many fewer contracts. If you chose a $5 spread, 145/150 for example, you would only need 11 contracts per account to be pull this off. The downside is you make it more likely that the price will end in the middle and leave both accounts with some money, which would make the process trickier to continue (but not impossible).So there's my strategy. I can't imagine anyone bothering to try and pull it off on a large scale but from everything I've read it should work.
Two years ago I refinanced my mortgage into a 10-year 3.99% fixed HELOC from Penfed. As of today, I owe $97,xxx and the house is worth somewhere around $175,000 - $185,000. County appraisal is $165,000 but that's because I fought the appraisals very aggressively every year. I don't know if this will hurt me or not.I'd like to refinance the into a Penfed 5/5 ARM with no closing costs. Looking at the fine print, here's what I see: Existing PenFed mortgage borrowers are not eligible for the closing cost credit unless the existing loan is at least 24 months old and the new loan balance is at least $50,000 more than the balance of the loan to be paid off. The additional funds may not be used to pay off any existing PenFed debt.Also, the LTV needs to be 75% or less in order to not escrow. I would like to not escrow.I have a little over $40,000 in cash. I was thinking of making a $20,000 payment, bringing my balance down to $77,xxx. In order to qualify for the 5/5 ARM with closing cost credit, I need to borrow $127,xxx, which would bring my LTV to 69-73%. Once I close, $77,xxx will go to pay off the old mortgage and I'll get a check for $50,000. Correct? If so, I would take $20,000 and put it back in my RCA, and make a $30,000 payment towards the new loan.Would this strategy work? The only risk I see is if for whatever reason I don't get approved for the new mortgage, I cannot get back the $20,000 payment that I made. Any other downsides to this strategy?
Financial Checkup / Strategy Feedback
Added on : Friday January 04th 2013 04:01:04 PM
Looking for some input on my personal financial health and strategy. Here's the data:28 Y/O Income $95K / Year - High COL part of the country.Monthly Expenses:
Rent: $950
Utilities: $150
Household Consumables: $100
Car Payment: $210
Auto and Renter Insurance: $160
Gas / Tolls / Parking: $300
Groceries: $400
Dining Out / Entertainment: $300
Hobbies: $200Student Loans: $770
Savings: $900
Roth Contribution: $300
401K Contribution: $540 (includes employer match)
Debts
Student Loan 1: $34,300 - 2.75% Variable - 10 Year Term
Student Loan 2: $12,000 - 5.25% Fixed - 15 Year Term
Car Loan: $9,500 - 1.49% Fixed - 4 Year TermAssets
Cash: $8KAsset Allocation Across Retirement Accounts is 60% US Equities, 20% Non-US Equities, 20% Bonds
401K: $52,000
Roth IRA: $5,000
(Also vested in a defined benefit pension plan)Strategy
Invest in 401K up to 4% employer match, invest $3600 / year in Roth IRA. Save additional money for house down payment / wedding in the next 2-3 years.Any input appreciated. Thanks in advance!
Negotiation tactics
Added on : Monday December 31st 2012 08:01:06 AM
I am a small-time bargainer. But this report from NPR has me intrigued and I am wondering if any of you have similar tales to tell. I am starting to think about a new car and your insights will be of great help.
"Adam Galinsky teaches negotiation at /Columbia University's/ business school. He was recently at an airport in North Carolina, waiting to fly home. The flight was woefully overbooked, and the gate was crowded.Then a crackling voice announced over the PA system: "We're looking for volunteers to fly tomorrow instead of today. And we're offering a voucher."To Galinsky, this was a negotiation with two players: the airline, which needed seats; and the passengers, who had seats. What would it take for the airline to convince passengers to give up those seats?First, the airline offered $300. That wasn't enough for Galinsky. They raised the voucher value to $500, then $700, and eventually to $1,000. Galinsky took the $1,000 voucher but he thought there was room for more negotiation.So he asked the airline: "If I get bumped off this flight, will you put me in first class tomorrow?" The airline agreed. Then he asked for a hotel room for the night. He got it. He continued: a food voucher to cover his dinner. He got it. He even convinced the airline to provide him a car service for his ride home.This technique is called "the nibble," and politicians know it well. Any agreement on the fiscal cliff is bound to include little extra provisions that get added in at the last minute.The nibble is the easy part. What does it take to get to the core agreement? Former FBI hostage negotiator Chris Voss shares a story about a recent experience at a car dealership.Voss says he "fell in love" with a certain SUV. He knew getting the price he wanted would take a lot of negotiation, so he had a strategy in mind. First, he carefully chose his opening offer."If you're going to play the bargaining game, you just need to make the other side mad," Voss said. "You want them to get a little annoyed. Then you know that you've come in with a good price."Voss offered significantly below the sticker price. The salesman came back with a counteroffer.Typically this process would continue back and forth until the price landed somewhere in the middle, but Voss had another trick up his sleeve.He used a technique called "disarming empathy." He praised the truck, and said the price the salesman offered was phenomenal. But he also said he couldn't afford to pay that price.The salesman went to talk to his boss and came back with a price closer to what Voss had offered. Voss turned it down. The salesman went back and forth four times, each time offering Voss a lower price. Voss refused to take the deal until the salesman finally agreed to his price the price he said was the most he could afford."
Green Man Gaming has Sid Meier's Civilization V: Gods & Kings Expansion Pack (PC Digital Download) for $4.49 - 30% off voucher code GMG30-DPLIM-DN831 = $3.14. Note, this is an expansion pack and requires Civilization V base game to play. Activates via Steam client.
Civilization V is *hardcore* marked down on steam for the next few days.Original Game: $7.49 http://store.steampowered.com/app/8930
Original Game + GOTY: $12.49 http://store.steampowered.com/app/901772
GOTY Upgrade: $5.00 http://store.steampowered.com/app/901772
Expansion: $7.49 http://store.steampowered.com/app/16870(If you have nothing and want everything, buy the GOTY for $12.49 + Expansion for $7.49)If you have the original game and want to upgrade, you can purchase the GOTY UPGRADE via the steam sale (automatic) for $5.00. This includes everything except the Expansion (Gods and Kings).Also, all the DLC packs seem to be available on Steam as well if you search for them at greater discounts than before...One of the few games I still play and definitely the most popular strategy game in it's genre right now...http://store.steampowered.com/search/?term=civlization+v#term=ci...
Amazon Coupons
Xcom: Enemy unknown $17.50 @ greenmangaming
Added on : Friday December 28th 2012 11:00:02 AM
on sale for $24.99 use
Coupon code GMG30-DPLIM-DN831 for 30% off.
http://www.amazon.com/gp/reader/B007BLO6GUThree books bring together todays most indispensable lessons for entrepreneurs: specific guidance you can use right now to beat the odds and launch a high-profit, high-growth business that lasts! The Truth About Starting a Business reveals 53 bite-size, easy-to-use techniques for choosing the right business, location, and entry strategy planning, funding, hiring, and executing a successful launch implementing effective financial management and marketing doing all that, and still maintaining a healthy personal life! So, You Want to Start a Business?: 8 Steps to Take Before Making the Leap gives you all the knowledge, tools, and hands-on advice you need to avoid 8 killer mistakes that cause most business failures. Unlike most books for entrepreneurs, this one focuses on the most Crucial operational issues associated with consistent profitability from product/service design to pricing, finding and keeping great employees to managing growth. Nothing theoretical here: this is fast-paced, 100% practical advice you can use right now. Finally, Whats Stopping You?: Shatter the 9 Most Common Myths Keeping You from Starting Your Own Business helps you get past the myths that keep potential entrepreneurs from making the leap, and gain all the practical skills and confidence you need to succeed. This books packed with case studies of ordinary people building great businesses and practical techniques you can use, too every step of the way!  From world-renowned leaders and experts, including Bruce Barringer, Edward D. Hess, Charles D. Goetz, and R. Duane Ireland
Amazon Coupons
Reposting without the erotic e-books. These should all be readable even if you don't have a Kindle or even a Kindle app.1000 Interesting Facts: Fun Facts to Kill Some Time and Have Fun with Your Family
30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
(adult title deleted)
A Grim Noel
A Letter to Noah
(adult title deleted)
A Second Chance
A-Z Book of Animal Devotions
Accountants: Stories From People Who've Done It (Careers 101 Kindle Book Series)
Adam Born of Stars: Voyage 1 - Lost at Galaxy's End
Adam and Eve (Conversations Through the Pages - Old Testament)
Always the Designer, Never the Bride: An Emma Rae Creation
Always the Wedding Planner, Never the Bride: An Emma Rae Creation
Top 35 Amazing Cakes Recipes for the Whole Family (The Best New Year's Eve Recipes)
How To Make Amazing Money Writing Articles From Home!
An Englishwoman's Guide to the Cowboy
(adult title deleted)
Angel Fire: The First Book of Fallen Angels
Andy and the Angry Dragon (Bedtime Story Book 1)
99 Answers to Questions about Angels, Demons, and Spiritual Warfare (Second Edition)
As An Angel Might Sleep: Never Turn Away
Asset Protection
Basic Astronomy Concepts Everyone Should Know (With Space Photos)
Attila's Lost Gold
BEHOLD A PALE LIZARD (Wake Up And Smell The Reptiles! Series)
BRITISH POUNDS STERLING, Vol. 7-7.2
Bartholomew (Fells Point Private Investigator Series)
Battered Nation Syndrome
Beatitudes: How to Live a Blessed Life (Daily-Bible-Reading Series)
Beauty and the Beast
Beginner Database Design Using Microsoft SQL Server
Biblical Foundations for the Cell-Based Church
How to Get Rich in the Billion Dollar Info Market without the Gimmicks, Tricks or Fine Print
Black Cow
Brain Spanking - Volume II:
Brian's Here: First Tale from the Hotel Central (Tales from the Hotel Central)
Bridging the Gap from Broke to Success
Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and Development Support Team
Buy And Sell Gold
Cabernet Sauvignon: Beginners Guide to Wine (101 Publishing: Wine Series)
Captain James Hook and the Curse of Peter Pan
50 Low Carb Brown Bag Lunch Recipes : Easy To Follow & Less Than 30g of Carbohydrates Per Serving (The Green Gourmet)
Carried Away (The FitzRam Family Medieval Romance Series)
The Cartographer ~ 1492 (The Jewish History Novel Series)
Cat secrets
The Dance of the Caterpillars Bilingual Korean English
Chasing Nikki (Chasing Nikki #1)
Chausie Lynx: Screenwriter
Keep Your Child Out Of The School Bully's Target Zone
Christopher and Columbus
From My Slow Cooker To Yours (Slow Cooker Recipes From Dinner To Dessert)
Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
How To Cope..with life (Terry Talks Series)
1,000 Creative Writing Prompts for Seasons: Ideas for Blogs, Scripts, Stories and More
Cynic, Surfer, Saint (Scenic Route to Paradise #1)
Declare Your Life! Rhyming Affirmations For An Unlimited Life
Deep
The Definitive Guide to List Building
Dinner in a Flash (Fast Food From Home)
Dog Next Door, The: And Other Stories of the Dogs We Love
Dog Secrets
Double Trouble
Dreamhackers Vol.1 (Comic Book Graphic Novel)
Dreamhackers Vol.1 (French edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (German edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (Italian edition) (Comic Book Graphic Novel)
Dreams of Steam II Brass and Bolts
(adult title deleted)
Easy to Use Sales Questions
The Effective Business Email Writing Formula in 7 Easy Steps (EasySteps Business English)
El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
Emprise (The Stream #3)
Energy for Your Life: Think Positive - Ideas You Can Use Daily - Readings, Affirmations & Journal Ideas - One Idea a Day f...
Enzo Flashfire: The Birth Of Spyridon Five (The Spyridon Five)
Every Woman's Hero
Executive MBA Guide to Global Strategy and Strategic Planning
Exotic Animal Guide - Different Types of Sharks
The Expectant Geek's Guide to Boy Baby Names - 26 Names Your Wife Won't Let You Use for Your Son
Secrets of Extraordinary Salads... Fantastic Salad the Most Diverse Dish in the World (Big, Bold and Delicious Recipe Series)
FREE Business Plan Review - How to obtain a savvy review of your business plan or executive summary free of charge
FURIES : An Ancient Alexandrian Thriller
Fairys Of The Rainforest (The Fairy Clan Chronicles)
Play Fast! Win Big! What You Can Learn from the Fastest Team In College Football, The Oregon Ducks.
Fighting Temptation
The Final Appearance of America's Favorite Girl Next Door
Finding Rebecca: A Novel of Love and the Holocaust
First World Problems: 101 Reasons Why The Terrorists Hate Us
Fishing in Brains for an Eye with Teeth (Thirteen Tales of Terror)
From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
Fulfillment of the Cups: Memorize All Cups Cards in Tarot (Article)

GHOST OF A CHANCE (The Ghost Series)
Gamingtology: Freedom is having your own Journey
Genetically Modified Foods vs. Sustainability
Get Inspired. Get Thinking - Intro copy (Get Inspired. Get Thinking.)
Getting Started with the iPhone for
[L=Ghost Stories [Illustrated]]http://www.amazon.com/Ghost-Stories-Illustrated-ebook/dp/B006B0R...[/L]
Gift Horse: When Death Teaches Perspective
Gifts from the Grandmothers (The Wisdomkeeper Collection)
(adult title deleted)
Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
The Green Gourmet Perfect Cup Of Tea Book : Tea History & Culture, Teas of the World, Growth & Processing, Blending & Grad...
Lie Down in Green Pastures (The Psalm 23 Mysteries #3)
Gumption: The Salvation of Detective Billy Pomerloy
HORN OF PLENTY - The Cornucopia of Your Life
HOW TO QUALIFY FOR A MORTGAGE LOAN
Half of a Life - A Collection of Drawings
How to Have Your Chocolate and Lose Weight Too! (The Diva Body System)
Heku (The Heku Series)
Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
Home Health Aides: Stories From People Who've Done It: A candid look at a growing industry from education and experience r...
Homemade Christmas gift Ideas: Delicious Candy Arrangements
House of Matches
How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
How to Use Facebook Business Pages
How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
How to Overcome Envy and Jealousy
How to do Requirements for your Project
How To Make Fireworks
HowTo Cope...with life
Huachuca Woman
Human Biology - Lives of Cells
My Human Condition: Work's Exertions & Inspirations: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poe...
Implementation of the Wands: Memorize All Wands Cards in Tarot (Article)
Import Anything From China
27 Most Important Health Questions about Prostate Health: Mainstream, Complementary and Nutritional Answers (27 Most Impor...
Internet Marketing Strategy - For Income, Influence and Impact - Turn Your Passions into Income Online! (Web Marketing, Sm...
Introducing Sara Green
It's Party Time
Japanize Your Amazon Business. Utilize the Power of FBA to Sell Your Products in Japan.
Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
Jesus Has Arrived: Pre-Rapture, 21st Century
Jesus, Mary, Lazarus, and Child : The Great Secret of the Fourth Gospel
Johnny Came Home (A John Lazarus Adventure)
I Know You Will Find Me
LIZARDS RULE OUR PLANET (Wake Up And Smell The Reptiles! Series)
Lancelot's Lady
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1750
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1749
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1751
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1752
The Lion Vrie (The White Lion Chronicles)
Lives Interrupted
Top 10 Tips To Making Money On eBay (Vanessa Deighton - eBay Guides)
How to Save Money and Still Have FUN- The Easy Way to Learn Money Management and Obtain Financial Freedom
A Marriage Story: Some Marriages are Different from Others.
10 Mexican Style Slow Cooker Recipes
7 Minute Slow Cooker Recipes: For People With No Damn Time to Cook!
Mission: Explore Food (Mission Explore)
Montana by the Numbers - Important and Curious numbers about Montana and her cities (States by the Numbers)
Morning Glory - A Novelette
Moscato: Beginners Guide to Wine (101 Publishing: Wine Series)
Motherhood?! How to Survive and Thrive After Your First Pregnancy
Mouthwatering Side Dishes From Il Bel Paese (Italian Cuisine)
Murphy at Law: The Power of Negative Thinking
My Creative Writing
My Human Condition: Life's Trials & Delights: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poetry)
The Newborn Vampire (Vampire Romance Novels #1)
The Night Kit Blew Up the Eggs. And Died.
Noahs Nuclear Niche - Romantic Fantasy Comedy
The Office Idiot Reviews (A laugh out loud comedy book)
One Chance: A Powerful Romantic Suspense Thriller About Family, Friendship, Love, Honor, and Courage.
25 One Pot Meals For Vegetarians - Quick and Easy Dishes You Can Prepare Everyday (Vegetarian Cookbook and Vegetarian Reci...
Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
Paul Prescott's Charge
Paul's First Letter to the Corinthians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Paul's Letter to the Philippians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
Pollyanna
How to Pass Professional Designation Exams without Completely Ignoring Your Family
Prosperity Promises: What the Bible says about Wealth, Success, Money And Prosperity
Public School Domestic Science
Pumpkins Aren't Just For Halloween and Other Outlandish Ideas, Recipes and Stories (Easy Cheap Comfort Eats)
What's Your Purple Goldfish? How to Win Customers and Influence Word of Mouth
Put Your Idea on the Shelf
Quick and Easy Breakfast Recipes For One
Quicklet on Eric Weiner's The Geography of Bliss
The Rebel Flag Serial Killer: Book One: Death Row.
The Rebel Who Rose From The Dead. (The Rebel Who...)
Record Collecting in the Digital age
Reign of Silence
Religions of the World: The History of Buddhism
Report on Surgery to the Santa Clara County Medical Society
Rethinking Retirement -How to create the life you want without waiting to retire
Rich Man's Coffin
At Road's End (Pre-Aztec Series, Book 1)
How QR Codes Are Rockin' Businesses Online And Offline
Romy's Garden Adventures (Christmas City)
Lady Rosamond's Secret A Romance of Fredericton
Roses in Winter
Rough Living: Tips and Tales of a Vagabond
Run Away
SEAL Endeavor (SEAL Brotherhood)
STANLEY'S
Sabor Latino: Flavors from Cuba, Mexico & Spain
30 Savory Scrumptious Seafood Dips
Sea to Eternity: Treasury of Inspirational Poetry
Search for the Bark Warwick (Warwick Saga)
What Is The Secret of Gratitude?-How to Attain an Attitude of Gratitude (What Is?)
Seed of Avraham - The 4000 Year History of the Jewish Family
Selma at 4 A.M.
Shades of Gray: A Novel of the Civil War in Virginia
Shear Terror (Wool Fanfiction)
25 Simple Casserole Recipes for Any Occasion
Simple Spiritual Solution: How to Create Happiness and Health
Simply Delicious Vegetable Soups
Slow Cooker Meals (Working Mom Easy Slow Cooker Meals)
(adult title deleted)
(adult title deleted)
Is SMO the New SEO? The Rise of Social Media Optimization (Social Caffeine)
Soup and Stew Recipes
Mama's Southern Cookbook-28 Old Fashioned Cake Recipes From Scratch
Star Force: Inception (SF1)
Still Chattel After All These Years (Still Chattel Collection)
(adult title deleted)
(adult title deleted)
Story Design: Storyteller's Handbook for Writers and Dream Merchants
Stressed Out Moms' Devotions to Go
Struggles
60 Top Tips for Successful Freelancing (Business Matters)
Superfoods And Their Benefits
Healthy Secrets Superfoods Recipes (Incredibly Healthy & Delicious Collection)
Surviving Unemployment Devotions to Go
Swan Place
Sweet Tooth Diva Devotions to Go
Switch!
Tales of Occult Horror: Real-life Encounters with the Supernatural
Taste of Korean Food and Thought
The Abduction of Mary Rose
The Assassins Code (The Assassins Journey)
The Book of Joseph
The Call of Zulina: Book One in Grace in Africa
The Confessions of Queen Cinderella
The Dropshipping Guide: How to Start Your Dropshipping Business Without the Learning Curve
The Ganesha Keystone
The 10 Habits of Successful Writers
The Hedgehog Princess
The History of Napoleon Buonaparte
The Homemade Cook: Homemade French Sauces - Quick & Easy Dinner Sauces and Recipes to make any meal lip-smacking
The Hope of Shridula: Blessings in India Book #2
The Incubus
The KKK Coincidence: A True Story
The Kincaids
The Lady Luna Wicca 4 in 1
The Life of a Colonial Fugitive
The Loch Lass: The Discs of Caledonia Highlander Romance Series Part I
The Lost Ark
The Lost Canvas
The Nigerian Tragedy
The Pastor's Pen: Eating from the Tree of Life
The Pattern & The Glory
The Poetry of Seraena
The Race for Money: Investment Ideas
The Shopping Swap
The Star of Christmas
The T.A.S.S.L.E. Plan
The Texicans
The Ticket
The Tube Riders
The Twilight Years - book 2, the twilight years
The Wooden Box (The Goode Family)
The Woods of Smyrna
30 Things You Should & 30 Things You Should Not Be Doing To Yourself
Thirty Seven Ideas For Tactical Managers*: *Improve Your Project and Process Management Skills!
This Time You Lose
Thoughts of A Common American: I've Had Enough!
Time Management: A Holistic Approach
Top Tips for How to Publish and Market Your Book in the Age of Amazon: 3 Top Tips Books in 1
Arguably the best RTS of all time. Link
Amazon Coupons
Free Best Of SFI Strategy Bundle computer game downloads
Added on : Tuesday December 18th 2012 02:00:04 PM
http://www.strategyfirst.com/games/2619-best-of-sfi-strategy-bun... add to cart and enter discount code: HAPPYHOLIDAYS to take $50 off making it free. The game bundle includes: Jagged Alliance 2; Disciples II Gold; Space Empires V; Dangerous Waters; Steel Fury; Razor 2; and Iron Warriors. Their site is loading very slow right now
http://www.amazon.com/Analysis-Without-Paralysis-Strategic-ebook...Since the publication of the original edition, the importance of interpreting business data has become mission critical for professionals in all types of businesses. These professionals have discovered the benefits of business analysis to address their organizations most Crucial strategic and tactical challenges. The Second Edition of this successful guide to business analysis, shows readers how to apply analytical tools without having to mire themselves in advanced math or arcane theory. Analysis Without Paralysis teaches readers the fundamentals of business analysis through the use of 12 core tools. Each tool will make the way readers assess and interpret their business data more effective, accurate, and actionable. Accessibly written, the authors walk readers through the entire business analysis process and then explain each of todays most valuable analysis tools so business professionals will be able to make better decisions about their companys strategy and operations--and achieve better results. The Second Edition includes three new analytical tools and updates all of the prior editions data and examples. For each tool, the authors present clear descriptions, context, rationales, strengths, weaknesses, step-by-step instructions, and case study examples.
Show More
Show Less
Amazon Coupons
Every year in Jan, I try to "plan" or take a look at some things just to revisit, recheck or reassess.This is NOT meant to be a "new year resolution" thread, but more like a checklist of things to do atleast once or twice a year. Different things work for different people so let's not debate the timing or grouping of these activities. Some things make more sense for tax season, so this could serve as a checklist for that too. Lastly, some things cannot be planned (car requires immediate repair, medical condition requires surgery, etc) - this thread for things that we can think ahead on.Here are some things from my list in random order, please feel free to add/update/etc - - Determine Asset levels & liabilities as compared to last year (includes listing of all accounts)
- Obtain free credit report
- Obtain annual credit detailed reports (if your credit card company provides it) to assess spending levels, categories, etc.
- Assess Investment Strategy based on age to retirement/risk level.
- Create list of Gift Cards available at home (all of the 10 Target GCs should get listed now)
- Determine Cash Back opportunities on existing credit cards.
- Any new appliances required for the home or scheduled home improvements ?
- How much longer to keep existing cars ?
- Tentative Vacation Schedule.
- Summer or Winter plans
- Review last 2 years tax returns and start collecting documents as needed.
- W9 re-submit
- Determine cell phone coverage
- Determine home utilities - cable, internet, phone, electricity, etc
- Review Home Owner Insurance Coverage
- Review car insurance coverage
- Review medical plan benefitsI am sure the FW community will slice and dice this, so let's get going. Thanks for your time.
http://www.amazon.com/Secrets-Economic-Indicators-Opportunities-...For years, investors, business strategists, and policymakers worldwide have turned to one book to help them translate the massive flow of economic data into knowledge for intelligent decision-making. The Wall Street Journal called this book "the real deal," saying it "miraculously breathes life into economic indicators and statistics." That book is Bernie Baumohls classic best-seller The Secrets of Economic Indicators. Now, in a brand-new Third Edition, Baumohl has thoroughly updated his classic to reflect the latest US and foreign economic indicators, and brand-new insights into what all of todays leading indicators mean. Baumohl introduces dozens of new, forward-looking economic markers, including those that monitor small business plans, freight traffic shifts, web searches, and even gambling. He also presents several real-time foreign indicators for anticipating swings in European and Asian economies. He explains whats happened to the global and domestic U.S. economy in recent years, showing how financial crises impact investments, strategy, and economic indicators. New graphics more clearly illuminate how key indicators impact interest rates, bond and stock prices, and currency values; and hundreds of websites containing US and global economic indicators have been updated. This classic book has long been considered an invaluable resource by professionals who need to understand the true meaning of the latest economic trends. With this new edition, Bernie Baumohl has made it even more useful.
Amazon Coupons
Stubhub is selling NFL playoff tickets for most teams. If you buy the tickets and the team doesn't host the game, you get a full refund including any fees. So you can pick a team that has no chance of hosting the playoff game, buy the tickets, and then it will be refunded automatically in January. If you are trying to hit a spending requirement in December, this seems like a good way to hit it. What am I not thinking of here?
http://www.amazon.com/Disrupt-Unthinkable-Transformation-Busines...31 Reviews with 4,2 out of 5 RatingThis is the eBook version of the printed book.In a business world of nonstop change, there's only one way to win the game: Transform it entirely. This requires a revolution in thinking--a steady stream of disruptive strategies and unexpected solutions. In Disrupt, Luke Williams shows exactly how to generate those strategies and deliver those solutions.

This book reflects Williams' immense experience creating breakthrough solutions at frog design, one of the world's leading innovation firms. Williams shows how to combine fluid creativity with analytical rigor in a simple, complete, five-stage process for successfully disrupting any market.

You'll learn why the most unexpected ideas draw the least competitors--and offer the greatest potential. Then, using many examples and a case study, you'll walk through every step of transforming disruptive ideas from conception to breakthrough business strategy.

Craft your disruptive hypothesis
Be wrong at the start, to be right at the end

Discover your best disruptive opportunities
Explore the most unexpected corners of your environment

Efficiently shape your disruptive solution
Avoid the resource-killer that is "novelty for novelty's sake"

Make your winning disruptive pitch
Under prepare the obvious, over prepare the unusual
Amazon Coupons
I'm considering making an offer on a foreclosed property. The bank has had possession for 6+ months and in that time they have dropped the price from $335K down to $315K (most recent drop was ~1 month ago). Here are my concerns and thoughts:1. We're getting ready to head into winter; my sense is that homes sell far more slowly in the winter, but I may be wrong. If I'm right, the bank would be interested in moving this off of its books rather than waiting until spring to sell.
2. The neighborhood is still growing and similar, brand-new houses are selling for only a bit more. They aren't making this exact floorplan any longer, but similar (albeit a bit smaller) floorplans are in the $330K range. This house does have a few unique attributes that make it desirable over the new versions (larger lot, more garage space), so it's not an exact comparison.
3. I would like to get a good deal on it, but I don't want to make my offer so low that I'm not taken seriously, etc. It also needs a bit of cleaning/work; the landscaping has gone downhill from an entire year of disrepair, but I think I could bring it back to life with a bit of work and money come spring.I think I'd like to pay $300K; what should I offer to get that price and is it realistic in the situation I've outlined? Should I be more aggressive? I'm trying to learn more about how banks approach these negotiations. And if it helps, the house is owned by a large, national bank (e.g. BOA, WF, Chase).
Hope This Works Games: Polara for Android Download for FREE
Added on : Thursday November 29th 2012 07:00:05 AM
Polara is a new take on the free-runner platformer that incorporates traditional challenging gameplay with color-switching strategy. Utilize color coded speed ramps, launching pads, gravity waves, hex bombs, and energy platforms to survive as you escape the clutches of an evil security system hell bent on destroying all those that oppose.

LINKY
Expiring HELOC Draw Period = Free No-Cost Refi
Added on : Sunday November 25th 2012 06:01:20 PM
First post in a long time from an old FW member. Sorry if this has already been covered and I missed it.I was wondering what to do about my unused $100k HELOC whose draw period will be up in a year or so. The rate is Prime-1%, or 2.5% currently, which is pretty good. One idea is to draw all of the HELOC line just before the draw period expires, at 2.5%, and use it to pay down my first mortgage at 3.625%. The HELOC automatically converts to a 15 year amortization when the draw period expires, using the prime rate in effect at the time. I assume there are no closing costs, since I already paid them at HELOC closing. So in effect, I get a free/no closing cost mortgage refi. I'd get a new, additional mortgage for $100k @ 2.5%, and I can pay down the first mortgage by $100k and pocket the difference in interest rates.This assumes the HELOC rate will stay below the mortgage rate, but I can verify that next year before actually committing to this.Your thoughts on this strategy? And specifically, has anyone had a HELOC whose draw period expired? Were there any costs associated with converting the balance to a fixed repayment schedule?Thanks in advance for any input.DWJoe
I'm considering making an offer on a foreclosed property. The bank has had possession for 6+ months and in that time they have dropped the price from $335K down to $315K (most recent drop was ~1 month ago). Here are my concerns and thoughts:1. We're getting ready to head into winter; my sense is that homes sell far more slowly in the winter, but I may be wrong. If I'm right, the bank would be interested in moving this off of its books rather than waiting until spring to sell.
2. The neighborhood is still growing and similar, brand-new houses are selling for only a bit more. They aren't making this exact floorplan any longer, but similar (albeit a bit smaller) floorplans are in the $330K range. This house does have a few unique attributes that make it desirable over the new versions (larger lot, more garage space), so it's not an exact comparison.
3. I would like to get a good deal on it, but I don't want to make my offer so low that I'm not taken seriously, etc. It also needs a bit of cleaning/work; the landscaping has gone downhill from an entire year of disrepair, but I think I could bring it back to life with a bit of work and money come spring.I think I'd like to pay $300K; what should I offer to get that price and is it realistic in the situation I've outlined? Should I be more aggressive? I'm trying to learn more about how banks approach these negotiations. And if it helps, the house is owned by a large, national bank (e.g. BOA, WF, Chase).
Making an Offer on a Foreclosure (REO for 6+ months) -- Strategy?
Added on : Thursday November 22nd 2012 11:01:19 PM
I'm considering making an offer on a foreclosed property. The bank has had possession for 6+ months and in that time they have dropped the price from $335K down to $315K (most recent drop was ~1 month ago). Here are my concerns and thoughts:1. We're getting ready to head into winter; my sense is that homes sell far more slowly in the winter, but I may be wrong. If I'm right, the bank would be interested in moving this off of its books rather than waiting until spring to sell.
2. The neighborhood is still growing and similar, brand-new houses are selling for only a bit more. They aren't making this exact floorplan any longer, but similar (albeit a bit smaller) floorplans are in the $330K range. This house does have a few unique attributes that make it desirable over the new versions (larger lot, more garage space), so it's not an exact comparison.
3. I would like to get a good deal on it, but I don't want to make my offer so low that I'm not taken seriously, etc. It also needs a bit of cleaning/work; the landscaping has gone downhill from an entire year of disrepair, but I think I could bring it back to life with a bit of work and money come spring.I think I'd like to pay $300K; what should I offer to get that price and is it realistic in the situation I've outlined? Should I be more aggressive? I'm trying to learn more about how banks approach these negotiations. And if it helps, the house is owned by a large, national bank (e.g. BOA, WF, Chase).
ETF Fee Arbitrage question
Added on : Wednesday November 14th 2012 08:00:57 PM
If two ETFs hold the same asset, or mimic the same index but have different fees, is it possible to short the higher expense ETF and buy the lower expense fund with the proceeds? Even though the return would be minuscule, what would be the limit to the amount you could short and reinvest?- are there fees for shorting an ETF? I don't see any in my fee agreement at ST.
- can stock be used as "collateral" against a short position?Going beyond this, if an ETF is for a physical asset, such as gold silver or pall, is there an opportunity to short ETF and hold physical? It's not adding up for me with delivery cost, security concerns, and spot premiums from most dealers.Anyone have experience in either strategy?
Free Earth 2160 Game (PC Download)
Added on : Tuesday November 13th 2012 11:00:41 AM
Free Earth 2160 Game (PC Download) *Page is Updating* GreenManGaming.com

Free Earth 2160 Game (PC Download)

LINK for the gamehttp://www.greenmangaming.com/s/us/en/pc/games/strategy/earth-21...
sd
I am trying to maximize the points/benefits for business application. Most suppliers I work with do not offer a discount for cash or a discount for Net 10. Credit cards offer bonuses and I would like to capitalize on rewards.Purchasing is near 2 million a year. Most of it goes to purchase of product from suppliers.Estimated break downShipping $60k
FedEx $40k Using Open Savings on 2 cards AMEX 5% discount (AMEX caps out at 20k per card for bonus)
USPS $18k $15k through paypal (no bonuses) 2k from usps (eligible for bonuses. Using Ink Bold +mastercardeasyrebate.com = 5%) I do not use more through usps at this time because Auto fill for the paypal order information is possibly a greater time saver. Does anyone know if endicia.com is coded same as USPS.com?
Travel --- 3-5K and using --- AMEX or Ink Bold
Purchases/product from warehouse or suppliers about 1.8 Million --- Primary Cards Fidelity AMEX 2% and Capital One Business Platinum 2%Office -- 2-5k Ink Bold 5%The rest is
Advertising ~10k
equipment ~2-5k
Insurance,
Rent
Utility ~3kLooking for ways to maximize points beyond what has been specified. I have seen the bankamercard preferred that will give 2% + a bonus of .1% if 50k is in a checking account. (parking 50k in an account seems worth it, but bonus would be limited due to credit limit and multiple payments, It is unlikely that I could use it for all of the purchases for inventory even with multiple payments.)Saw the JCB card @ 3%-- but Limits are reportedly low (5k-10k) and it is not widely accepted.
myVEGAS game
Added on : Friday November 09th 2012 06:01:33 PM
Anyone on here play the facebook game myVEGAS? I have played for about a month now to see how easy it would be to earn point for the free meals, hotels, and entertainment. So far after a month I'm at level 58 and have nearly 50,000 LP points. Easily enough for most buffets, and some of the entertainment stuff. Not enough for most free hotel nights thought. I think it's a great game though and genius by MGM to offer these rewards for so many free things in Vegas. Great group on facebook for the game too that provides game tips, strategy guide, vegas travel/hotel deals, and general vegas info. Feel free to join if you play the game.myVEGAS group
Self-Indexing / Roth IRA/Traditional IRA Splitting Strategy
Added on : Friday November 09th 2012 06:00:57 PM
I've recently decided to try my hand at buy and hold investing to essentially "create my own index" of sorts - pick about 30 to 40 stocks from across all sectors, invest equal in each of them, splitting reasonably between sectors, and reinvesting dividends (which creates fractional share ownership, basically a DRIP).I've done this within my IRAs. I have both Roth and Traditional IRAs. Since I started doing this, I've gotten similar results to the SP500 which is basically what I was hoping for. Some days I've beaten the index slightly, and today I lost to it slightly.The premise of this post is to discuss a possible way to benefit from this style of investing. From this point forward, please assume it's "good"/reasonable to invest by hand picking 30 to 40 stocks and holding them for 10 to 20 years, rather than buying an SP500 index fund.Assuming you are interested in using that investment strategy, and assuming you have both Roth and Traditional IRAs, here's an idea to shift assets around in such a way as to "convert" Traditional IRA money into a Roth, for "free."The idea is that you split stocks between the Traditional and the Roth in such a way that half of the stocks from each sector are within the Roth and half with the T-IRA. Suppose you owned 4 bank stocks: BAC, C, WF and JPM. You put BAC and C in the Roth and WF and JPM in the T-IRA.Suppose the financial sector takes a hit and drops 10% and the Industrials sector gains 10%. You sell the Industrial stocks that you hold in the Roth IRA, and immediately re-buy those same shares within the T-IRA. At the same time you sell the Bank stocks within your T-IRA and rebuy them within the Roth. Essentially, you "transfer" the winners from the Roth to the T-IRA and transfer the losers from the T-IRA to the Roth.The theory is that shares of stock are fungible, so there's no IRS event that's occurring. You have the same exact shares before and after the event, you just manipulate where you are holding them.If reversion to the mean holds true, then the losing stocks are more likely to increase, and the winning stocks are more likely to decrease. Since you've shifted losers to the Roth, they have the biggest expected future gain, and the winners shifted to the T-IRA have the smallest expected future gain. Thus going forward, if you keep repeating this over a long period of time, you're basically causing the Roth to grow more than the T-IRA which is what you want because the Roth comes out all tax-free.The expense involved is only trading costs of the securities and your time. Does this seem worthwhile?
Jishaku
Added on : Friday November 09th 2012 12:51:06 AM
Jishaku (the Japanese word for magnet) is a game of strategy and skill, similar to chess.
Dealing with Hospital bills/collections, etc.
Added on : Wednesday November 07th 2012 12:00:51 PM
Until recently I was a full time student. I had to have emergency surgery prior to my last semester. I had insurance, but there was still a balance left after the insurance paid out, in most cases.So now, I have had approximately 12 bills to deal with. Some are from different places, some are from the same places. My strategy has been to just pay $25 to whatever bill I get in the mail, but I want to get more organized in tackling these.One place put me in collections because they only sent one bill. So my question is....what is a good strategy for tackling all of these bills?? I've paid off a few, but I can barely keep up with who I owe what to and when I have to send them money. Is there any way to make this process easier? I'm about ready to take out a loan to pay off the bills, but then I'd have to deal with interest.
LIfetime Guaranteed Universal Life
Added on : Sunday November 04th 2012 02:00:51 PM
Lifetime Guaranteed Universal LifeBuy it now! Buy it now! Buy it now!This is only the second time in my career that Ive spent time pushing a particular product.In 2005, a major insurance company had their long term care insurance with lifetime benefits priced about 30-40% below their competition and they were getting set to increase their premiums on new clients. What I told my clients and prospects was that if they planned on buying long term insurance at some point in the future that they should strongly consider purchasing it at that time. In hindsight, pushing the sales and the purchases that my clients made turned out to be a very wise financial decision. For most of them, if they tried to buy coverage today, the price would be 3-5 times more expensive and it would be without lifetime benefits.
Because of new regulations, we are about to start seeing huge price increases with the guaranteed universal life policies. Some companies have re-priced their policies. Others have announced price increases starting at the end of this month. So, what Im really saying is that if it is a product that you may consider now or in the future, it makes sense to look at it immediately.What exactly is Lifetime Guaranteed Universal Life?Lets make this easy. The easiest way to think of this is to consider it either lifetime term insurance or Whole life insurance without any cash surrender value. In short, it is life insurance with a guaranteed premium and a guaranteed death benefit. Assume that the cash surrender value will be $0.Ex. Jim is 50 and has no health issues. He wants to leave behind at least $1,500,000 regardless of whether he dies tomorrow or at age 90. He can buy a $1,500,000 policy for $11,700/year.Regardless of when he dies, his beneficiary will get $1,500,000. What if he didnt buy insurance and invested the money instead and received 5% after tax?After 20 years, he would have $406,000
After 30 years he would have $816,000
After 40 years, he would have $1,486,000Since he cant go on the assumption that he will live until hes 90, he looks into a buy term and invest the difference strategy. 30 year term is $4,400. If he lives to age 90, his investments ($11,700 - $4400 ) of $7300 for 30 years and $11,700 for 10 years at 5% would equal $984,000. At 5%, the break even point would be around age 98.What if he lives to age 85, what will his investments need to earn in order for him to leave behind $1,500,000 if he bought a 30 year term policy? He would need to earn about 8.5% after tax to leave behind $1,500,000.Heres the bottom line.
1)These products can make sense if the goal is to leave money behind at death regardless of when death occurs. (Most people do want to leave money behind (spouse/child charity))
2) Because of price increases, if something like this is of interest, dont wait. Look into it today!
3) There are many reasons why one wouldnt want to make a purchase. It is certainly not appropriate for everyone, but the point that I really want to get across is to look into immediately. You can then choose to reject it if it isnt appropriate for your situation.Just like I firmly believed that the life insurance company had underpriced their LTCi, I feel that the industry has underpriced these life insurance policies. It isnt often that consumers can take advantage of insurance company mispricing. This is one of those times.
Capital Gains/Loss/Like Kind
Added on : Friday November 02nd 2012 08:00:54 PM
I've recently made some changes in my property ownership. I sold my primary residence (for a loss of $25k) and I sold a piece of land (for a gain of $10k). I'm about to purchase a new primary residence...and potentially a new investment property. What's the best way to minimize taxes? Overall, I have several investment properties and my strategy is to continue to build my portfolio.Thanks!
Flood Insurance lapsed on day of hurricane!
Added on : Friday November 02nd 2012 07:00:50 PM
Hi Fatwalleters, A friend of my has been relating to me some severe troubles he had with a house he had purchased. Its a tale woe and I'm hoping fatwallet might be able to give me some advice/strategy I can share with him.The story starts when he purchases a home to live in. Puts down 70K gets a mortgage for 280. Invests another 70K fixing it up. House is worth 400K-450K. Then some bad luck happens, while on vacation the furnance breaks, his pipes burst and there is a lot of damage to the house. Not long after there is a major storm and the house is flooded further damaging the house. There is 30K-50K in damage to house in order for it to be livable for him and his family. Due to frustration with the state of the house and a life threatening health crisis he gives up on the house. He doesnt make a claim to FEMA or to his insurance for the flood damage. He moves out of the house and rents a place in another city. He stops paying the mortgage, expecting the bank to foreclose, seemingly just wanting to be done with the house even if it means sacrificing his equity in the house. Assuming the house is worth with the damage bare minimum 350K minus 280K(mortgage)=70K. I'm not really clear what his intent was with this...its seems for a lot of reasons, emotionally, he didnt want to deal with the house anymore.A year goes by. The bank doesnt foreclose on him. He's just waiting. Then one day there is a really big storm in the area where his home is. His home is affected and while he can't even get to the area where his house is due to flooding its certain it's been severely damaged. He had flood insurance. He thinks there may be a silver lining in this for him. He calls the insurance company about the flood policy which was being paid by the bank holding the mortgage. They tell him the policy was cancelled, due to non payment, the afternoon of the day when the storm hit. Damn. What should he do? Is there any way the event would be covered as the storm had started before the policy was covered? Is it possible the bank unintentionally let the insurance lapse? Is the bank liable for keeping up on the insurance even if he wasnt making mortgage payments? Could FEMA help him? Thanks to any advice you can give.
Parents' Exist Strategy after loss of business
Added on : Friday November 02nd 2012 10:00:55 AM
Hello Fatwallet Finance,You guys are an amazing and helpful group of people. I want to thank you in advance for all the help you provide.My parents borrowed 400k from an acquaintance to start a small business and buy a house about 12 years ago at 5% interest rate. I have not seen the exact loan terms but I believe the house and the small business are collateral to the loans. They have been paying just the interest (2k a month) past 12 years. They have not been able to pay down any principal mostly due to children's college education (300k for 3 people). The house is itself is worth about 225k.There was a calamity at the small business. Due to being under insured, they only got about 120k after public adjuster's fees. With the existence of a large loan and small business gone, their finance is no longer sustainable. The question I want to ask is what is the best exit strategy. They are old and I don't think they should try to start a new business. They do not have skills in the market place that would earn them much above minimum wage. I thought they should sock away as much as they can in self-employeed 401k and roth ira this year and next year and declare bankruptcy, lose the house and move in with me. Would that be feasible? Once again, thank you for your help.
Green Man Gaming is carrying this Warhammer 40K PC Game for $4.99 (Reg: $19.99)
Apply $1.24 off coupon code "GMG25-UAAHK-6AI9S" on it (Limited Time)
This item receives Free Shipping
Final Price: $4.99 - $1.24 = $3.75 + Free Shippinghttp://www.greenmangaming.com/s/us/en/pc/games/strategy/warhamme...
http://www.amazon.com/Building-Success-Business-Ethics-ebook/dp/...
A brand new collection of powerful insights into ethical and effective business leadership 4 pioneering books, now in a convenient e-format, at a great price!   4 remarkable eBooks help you lead more successfully by leading more ethically   Honor, ethics, and compassion are central to effective leadership. Now, an extraordinary new eBook collection reveals why this is true, and how you can lead more honorably and successfully in your own organization. In Winners Never Cheat: Even in Difficult Times, New and Expanded Edition, Jon M. Huntsman shows how to succeed at the top, without sacrificing the principles that make life worth living. Huntsman personally built a $12 billion company from scratch, the old-fashioned way: with integrity. Now, he tells you how he did it, and how you can, too. Along the way, he offers a powerful reminder of why you work, and why you were chosen to lead. Next, in Lead with LUV: A Different Way to Create Real Success, the legendary Ken Blanchard ("The One Minute Manager") and former Southwest Airlines CEO Colleen Barrett help you achieve amazing results by leading with love. They explain what "love" really means in the organizational context, why leading with love is not "soft" management, how to handle inappropriate behavior, how to make "servant leadership" work, and how to sustain leadership with love. In Moral Intelligence 2.0: Enhancing Business Performance and Leadership Success in Turbulent Times, Doug Lennick and Fred Kiel show why sustainable optimal business performance requires superior moral and emotional competencies. Using new case studies, they identify connections between moral intelligence and higher levels of trust, engagement, retention, and innovation. They deliver specific guidance on moral leadership in both large organizations and entrepreneurial ventures, plus a new step-by-step plan for measuring and strengthening organizational integrity, responsibility, compassion, and forgiveness. Finally, in The Power of Communication, Helio Fred Garcia focuses on the most indispensable leadership discipline: honorable and effective communication. Building on the U.S. Marine Corps' classic publication Warfighting, Garcia how to apply the Corps' proven leadership and strategy doctrine in all forms of public communication - and achieve truly extraordinary results. You'll learn indispensable lessons from leaders communicating effectively, and from the catastrophic mistakes of business and political leaders who got it wrong. If you need to earn and win hearts and minds, you need this book now.
Trend following is the only investment strategy repeatedly proven to work in any market environment! Now, in two remarkable eBooks, the world's #1 trend following author reveals why it works so well, and shows how you can apply it to earn exceptional, consistent profit in your own trades. In Trend Following (Updated Edition): Learn to Make Millions in Up or Down Markets, MichaelCovel teaches all the fundamental concepts and techniques you'll need, demonstrating how to understand price movements well enough to consistently profit from them. Covel presents updated profiles of top trend followers who've kept right on profiting through the toughest markets. He even presents simple charts created from their actual trades: powerful visual support for the power of trend following! Next, in Trend Commandments: Trading for Exceptional Returns, Covel distills the essential wisdom of this strategy into fascinating, bite-sized pieces that any investor can understand and use: real moneymaking insights from true winners, backed by real performance results. Learn how one of the biggest names in trend following made over 20% in August 2010 alone and why this strategy keeps making big money when everyone else is dropping like a stone and how to escape the cycle of "panic, fear, hope, and return-to-panic" in today's age of non-stop financial crisis!http://www.amazon.com/Trading-the-Trend-Collection-ebook/dp/B008...
How do people make money from investments/stocks?
Added on : Wednesday October 24th 2012 10:01:02 PM
I'm fairly new to the investment arena and have only a very, very small amount in my brokerage accounts right now invested in index funds (e.g. $50.00 dollars). However, over the course of 2 months I have seen my $50.00 rise to $51.40 dollars, then back down to $50.14 (where it is at now). So my question is, how do people actually make profits out of keeping their money in stocks/index funds?If I had to guess, it would be that I obviously do not have enough money invested, and that I would need at least $20k+ to notice any long-term noticeable profit. My second guess is that my assumptions on investment and/or investment strategy is just wrong - that is, maybe I need to check back in 30 years or invest in something other than index funds..Any insight on this topic would be greatly appreciated.Thanks.
Retire at 40 - Start Work Again at 50 - Really Retire at 62?
Added on : Wednesday October 17th 2012 09:01:02 AM
I'm in my mid-30s and doing the corporate grind. It sucks and I hate it. I'm thinking from a pure financial and personal perspective, it would make a lot of sense to retire for 10 years and start work again st 50. The only downside I can think of, which is actually pretty big, is trying to get someone to hire me again at 50 having not worked for 10 years.Here's my thoughts:1) At age 50 you get an additional $1k to IRA and $5,500 to 401k catch up contribution. This means you can defer taxes on more income, making your net-income higher because in retirement you can play games like only withdrawing amounts up to the standard deduction at 0%. From a pure tax standpoint, this means working one year at age 50 to 51, even earning the same gross income, is more financially rewarding than working one year age 48 to 49.2) Social Security is based on average income over your highest wage period years. Suppose you could have retired at age 50 if you worked continuously and saved your pennies. Well your SS is going to be based on that income 12 years before you can collect at 62. There's some inflation adjustment built in, but I think it would turn into a higher SS payout if you skipped work from 40 to 50 and worked 50 to 62, rather than skipped work from 52 to 62.3) You will be in better physical condition to enjoy retirement in your 40s than your 60s. I'd rather not work and enjoy 10 years of my life from 40 to 50 than 62 to 72 when I can barely walk from the arthritis.Of course the biggest downside is how will you get a job that pays equivalent to what you're making now if you don't work for 10 years? And the answer is you probably can't.Has anyone else considered this strategy? Any ideas on how to make yourself look like your working over that decade, maybe you're "consulting" and can document some "projects" you've done for a few friend's companies?
Anyone actually making money stockpicking?
Added on : Tuesday October 09th 2012 11:00:49 PM
Consider the following:1) Efficient Market Hypothesis - everyone else knows all the same information you know about publicly traded companies. Oh you just read Apple is releasing a Mini IPad soon and they are going to increase earnings? Everyone else already knows... and many probably knew before you, and the current stock price already reflects that expectation.2) You're not an expert. If you were, you wouldn't be reading FWF for stock picking advice. You'd be talking to your team of PhD Statisticians who are running proprietary software.3) You're trading with someone else who is on the opposite and inverse side of that trade. Zero sum game within an individual trade. In order for you to make money, someone else has to have lost money. For example, if you buy a stock and it goes up 10%, then the other person lost the opportunity to earn that 10%. If it goes down 10%, then the other person "made" 10% that he would have lost if he didn't sell it to you. Since you're not the expert, you're probably trading with the expert. Consider that.4) Even the experts fail to beat the market index more than 80% of the time, when you factor in expenses, which you need to do.5) The value of your time should not be ignored. If you spend a few hours a week reading through 10Ks (which you should be doing if you're stock picking, unless you're picking stocks based on which letters you like in a ticker symbol), then there's lost opportunity cost. You could have been earning $30/hour working overtime at work. So when you calculate your gains, subtract out the opportunity cost of your time and effort.6) You have to pay short-term capital gains tax at your marginal income tax rate if you're doing this with taxable money. If you're doing it within your tax-advantaged retirement accounts, then god help you if you fail and have to rely on Social Security. Assuming it's taxable money, the government is going to take a large chunk of any gains you have, but on the flip side, limits your ability to deduct your losses. Compared to a buy and hold index investing strategy where you pay long-term preferred capital gains rates, and this is an additional expense that must be considered.Thus, the question is: are you making money by stock picking, on an after-tax basis, on an after-opportunity-cost-of-your-time basis?Perhaps the answer is yes. If so, please share. Regardless of the answer to this question, on a risk-adjusted basis, you are losing money. If you stock pick, you are not getting an adequate return relative to the level of risk you are assuming.
Financial Planning After Death of a Loved One
Added on : Monday October 08th 2012 03:00:53 PM
I realize asking random strangers for finanical advise isn't always the best strategy but I have watched these forums for years and there are many people who give sound advise. I feel it is always best to get multiple perspectives. We are going to work with a financial planner (actually a sibling of one of my brother's best friends) as well but I'd like to be up to speed about available options.Situation - My 34 year old brother was killed last month when the motorcycle he was riding was t-boned by an unisured driver who blew through a stop sign. He was never married and had no children. He died intestate so we are working with an estate attorney to settle all his accounts. State law awards all remaining assets to parents (in this case our mother as our dad is deceased). Debts:
- Motorcycle Loan which has been paid in full from his vehicle accident claim
- Vehicle Loan. Approx. $18K loan with vehicle valued at $26K
- Mortgage for single family home (his personal residence). Roughly $106K on assesed value $145K
- Mortgage for duplex he rents (both units currently occupied). Roughly $159K on assesed value $200K.
- Credit card debt (approx. $2K)Assets:
- Approx. $6K from motorcycle insurance claim (after bike loan was paid)
- 2nd motorcycle (paid) worth $6K
- Pension fund $15K (mother is benificiary)
- Money market fund $5K
- IRA $26K (not sure if Roth or standard)
- 401K $121K (mother is benificiary)
- Life insurance $39K (mother is benificiary)
- Single family home (approx. equity) $39K
- Duplex (approx. equity) $41K
- Misc. cash $5K
- Pending accidental death policy (mother is benificiary) $39K
- Pending uninsured motorist claim (expect full policy payment) $150KI am in the process of getting the single family home ready to rent. I expect cash flow to be about $200/ month. The duplex has cash flow of roughly $350/ month. Both properties have no pending major issues (roofs, sidewalks, mechanicals, etc. all replaced within last 3 years) and the foundations are good. There shouldn't be a need for major repair in the near future. I will be buying the vehicle from the estate/ my mother as it is something of my brother's that I need/ want to keep to remember him by. I expect the estate attorney process will consume 2%-3% of all assets that my mother was not named the benificiary. I will serve as my brother's estate representative and will waive all payments due for performing this function (usually 2%) so that all remaining money will go to my mother.What is an advisable course of action? My mother is 64 1/2 years old and had already planned on retiring next year. I want to make sure income is stable, maximized and will last her throughout her senior years. Her exisiting assets were modest but her home is paid for. Any input is appreciated. Thanks.
"The Positive Power of Negative Thinking" book $8.73 @ Amazon
Added on : Thursday October 04th 2012 11:00:04 PM
"The Positive Power of Negative Thinking: Using Defensive Pessimism to Harness Anxiety and Perform at Your Peak"
Book Price: $8.73 (Best price ever according to the 3camels)
FSSS Eligible
Rated 4 out of 5 stars (19 reviews)
LinkFrom the Amazon book description: How often are we urged to "look on the bright side"? From Norman Vincent Peale to the ubiquitous smiley face, optimism has become an essential part of American society. In this long-overdue book, psychologist Julie Norem offers convincing evidence that, for many people, positive thinking is an ineffective strategy-and often an obstacle-for successfully coping with the anxieties and pressures of modern life. "Defensive pessimism," which involves imagining the worst possible outcomes to any action and everything that could go wrong in a given situation, actually helps millions of people manage their anxiety and perform their best work, all the while refusing to succumb to "oblivious optimism."
Of course, this book is probably terrible.
Amazon Coupons
Short sale process (previously entered into contract with homeowner)
Added on : Thursday October 04th 2012 08:00:54 PM
So we are trying to buy a house - long story short:
Current owner had listed as FSBO and we agreed to a sales price and entered into contract. Turns out he owes 30k more than he thought and he doesn't have the money so we begin short sale process through the bank (Citi). Because we had already sold our house the current owner agreed to a 90 day lease while we work through the short sale (i have spoke with him and he has no problem extending the lease as long as we want (probably because he going to pocket the rent $ since he's not making payments, but that's a story for another day) No problems thus far with Citi, but I am trying to get my strategy setup. They haven't said one way or the other how they like our offer. But they initially are insisting the house be listed on the MLS before anything happens. First realtor came out for a BPO last week, but haven't heard their price/thoughtsMy questions:
I don't want to list on the MLS and/or get into any kind of bidding war with new buyers. Does our previous contract with homeowner offer any protections or is it useless?
Does our position as renters help as we could go and say sign a 1 year lease which would prevent the bank from selling to anyone else(at least for a year short of a foreclosure)
Could we also just refuse any showing to prevent people from looking at it? (There is no terminology in our current lease about having to give showings or move if property is sold)The numbers as FYI:
Tax value is $425K
Payoff is ~395K
Our original appraisal was at $391K (appraisal didn't talk about the problems with the house, but did seem to take into account that nothing has been updated since the house built in the mid-80s)
We agreed with current owner at $370K
My estimate on the after repair value is somewhere between $430-$440k, but needs 40-50K in repairs (septic is failing, I've counted 24 cracks from foundation shifting, has active termites, and all the HVAC in the attic has disintergrated (mid-80s gray flex lines, just to name a few things) The 370K is a decent deal, but not great as the house as needs lots of work, but we love everything else about it and plan to say for a long time.
http://www.amazon.com/Profiting-Synthetic-Annuities-Strategies-e...The synthetic annuity is an options-based strategy that trades off large gains in exchange for higher yields and better downside protection, and utilizes risk more efficiently than pure stock-based portfolios. In Profiting with Synthetic Annuities, this strategys creator shows exactly how to use it to support a wide range of trading and investing goals. Hedge fund manager and investment strategist Michael Lovelady shows how synthetic annuities blend the best features of traditional portfolios with the risk management discipline of quantitative investing, increasing current yields while also reducing volatility. Lovelady explains this new strategy with time-lapse images and simplified models that any investor can understand and apply, and demonstrates its value in the context of todays key market trends. Lovelady explains the entire ecosystem surrounding synthetic annuities: theory, product, and tools. Instead of focusing on the standalone use of options, he shows how to integrate them into traditional investment management, including mean-variance portfolios. This book demonstrates how synthetic annuities can help cautious investors reduce volatility and increase returns; improve risk management for value investors and their advisors; help experienced options traders leverage market exposure or yield; and enhance flexibility for institutions with strict prudence requirements. Along the way, he offers deep and intuitive insights into options that will be valuable to any trader or student of finance.Show More
Show Less
SOLE E95 SOLE Elliptical $1299 Delivered & Assembled YMMV
Added on : Friday September 28th 2012 01:00:16 PM
I had been seeking out a decent Elliptical all summer & wound up with a decent deal I thought I'd share.Dicks & Sears had this model(Sole E95) at $1500. The problem was that Dick's charges $120 for delivery & assembly and Sears is $200.
Yes, I need mine put together, I had trouble putting together a shoe the other day(no clue where those lace things go).Fortunately, Dicks stopped selling Sole this month & Sears was out of stock and their staff was so incompetent they couldn't tell me anything about their products.That left me emailing a salesmen at SOLE. I kind of used the strategy that folks use for buying a car.
I told the sole guy that I had really wanted his product but their direct prices were higher than my local retail ones.
Then he came down $150 off the net price which was awesome. Except they're assembly price is $225.
You can get it shipped free, but if you have it assembled the shipping company does that so they charge a bunch.Finally, after maybe 8-10 replies within a couple weeks he came down to a great price he said his manager approved.
Besides the $150 discount which brought it down to $1249.99, he'd only charge $50 for the assembly.
Maybe some of you "do it your selfers" could get it at that price, but I felt fine with the $1299
for a new machine.At the time (3 weeks ago) they were out of stock & back order for everything. So 9/27 they have started to build new ones and mine will be delivered in a week or so.
Sears.com Coupons
Increased credit limits -vs- inquiries
Added on : Wednesday September 26th 2012 04:00:51 PM
I'm no financial expert by any means and know some of you will slam me for daring to ask such an amateur question, but so be it.I know that in general, large quantities of untapped credit help one's credit score. For example, you have a $10k credit limit on a bank card, but only a tiny on non-existent rotating balance. This is a favorable credit-debt ratio.To that end, I'd like to ask some of my credit issuers for credit limit increases... not to use (3 of my 5 cards are now paid off), but simply to improve my credit score. The dilemma: is the issuer likely to do a hard inquiry in considering the increase, and if so, won't this offset the good done by actually granting an increase -- assuming they do, of course?Is this even a good strategy?
The Hunger Games: Official Illustrated Movie Companion - Paperback
Originally $18.99, currently $1.54 with free Prime shipping.
Go behind the scenes of the making of The Hunger Games with exclusive images and interviews. From the screenwriting process to the casting decisions to the elaborate sets and costumes to the actors' performances and directors' vision, this is the definitive companion to the breathtaking film.
Also available in Kindle Edition for $1.46The Hunger Games Tribute Guide - Paperback
Originally $7.99, currently $1.30 with free Prime shipping
Here is the ultimate guide to the twenty-four Tributes participating in Panem's 74th annual Hunger Games. Follow the Tributes' journey from the Reaping to the Games, with a look at all the highlights along the way--the Tribute Parade, the stations of the Training Center, the interviews, and more. Get exclusive information about the Tributes' strengths and weaknesses, their weapons of choice, and their experience in the Capitol before entering the arena.
Also available in Kindle Edition for $1.24The World of the Hunger Games - Hardcover
Originally $17.99, currently $2.19 with free Prime shipping
Welcome to Panem, the world of The Hunger Games. This is the definitive, richly illustrated, full-color guide to all the districts of Panem, all the participants in The Hunger Games, and the life and home of Katniss Everdeen. A must-have for fans of both the Hunger Games novels and the new Hunger Games film.
Also available in Kindle Edition for $1.16The World's Toughest Hunger Games Quiz Book - Kindle Edition
Currently $0.99
So you think youre a Hunger Games fan? Youve absorbed every detail of The Hunger Games, Catching Fire and Mockingjay? You know all about the Districts and their inhabitants, and the Capitol and how the rebellion plans to bring it to its knees? Then take the challenge or, better still, challenge your Hunger Games-loving friends. Try The Worlds Toughest Hunger Games Quiz Book. Its stuffed with hundreds of questions and answers to test even the most ardent fans knowledge.The Hunger Games #2: Catching Fire (Discussion Guide) - Kindle Edition
Originally $0.99, currently Free
The Official Hunger Games Reading Group Guide from Scholastic includes a wide variety of questions that are sure to spark conversation in book clubs and among friends! How to Survive The Hunger Games: A Brief Look at Katniss's Survival Strategy - Kindle Edition
currently Free
Katniss Everdeen operates in survival mode on a daily basis. How to Survive The Hunger Games explores how Katnisss childhood experience, combined with her survival instinct, makes her the ultimate opponent in The Hunger Games. Also included in this eBook is a sneak 80-page preview of THE HUNT, an all-new novel that todays hottest authors are raving about! Haven't read it yet?
The Hunger Games (Book 1)
Hardback -Originally $17.99, currently $9.98 with free Prime shipping
Paperback -Originally $10.99, currently $5.59 with free Prime shipping
Kindle Edition -Originally $12.99, currently $5.00
Prime Members: $0.00 (borrow for free from your Kindle)
Amazon Coupons
Business Basics Collection -[Kindle Edition] (Save $89) -FREE
Added on : Monday September 24th 2012 02:00:36 PM
Was $88.99. Now FREE!!!Business Basics: The Skills You Need to Succeed (Collection)-Kindle Edition with Audio/VideoBook Description
Publication Date: April 30, 2012
Print Length: 1235 pages
Simultaneous Device Usage: Up to 5 simultaneous devices, per publisher limitsYour complete modern management library: Todays most Crucial skills and best practices for success!From finance to strategy, leadership to communication, these four outstanding books bring together the skills and best practices every manager and aspiring leader needs to succeed today! Jo Owens Mobile MBA distills years of MBA management theory into bite-size solutions for 101 critical business challenges. From start to finish, it focuses on what really works in practice, giving managers focused answers that can make them dramatically more effective, instantly. Next, in Even You Can Learn Statistics, Second Edition, David Levine and David Stephan teach you all the statistical techniques youll need for finance, quality, marketing, or any other business roleone easy step at a time! Simple, jargon-free explanations help you understand every techniqueworked problems offer hands-on practicedetailed instructions help you get answers using tools you already have. In How to Keep Score in Business, Second Edition, long-time CEO Robert Follett helps you capture Crucial insights buried in balance sheets, income statements, and other key reports. Follett shows how to apply core tools for analyzing financial reports and investment opportunities and demystifies accounting terms every decision-maker and investor should know. Finally, The Truth About Business Writing That Works shows how to gain a lifelong competitive advantage by becoming a great business writer. Youll learn how to persuade more effectively in every format: emails, Web sites, presentations, proposals, resumes, grant proposals, even text messages! Step by step, youll learn how to plan and organize your contentmake your point fasttell your readers whats in it for themand get them to act!From world-renowned leaders in management at all levels, including Jo Owen, David Levine, David Stephan, Robert Follett, Natalie Canavor, and Claire Meirowitz
What are the ways we can invest the difference ?Is there anyway we can implement an indexed life insurance strategy ?Indexed life insurance
Indexed life insurance has interest crediting potential tied to changes in an index account or accounts. The crediting potential has a cap and floor, or maximum and minimum. For example, if SP500 is up 20 percent in a year, you are capped at 13 percent. Insurance company keep the rest of it. If the SP500 is down 10 percent, then your losses are capped at zero.I am planning to add $1000 to an indexed fund. What are the ways I can maximize the profit and minimize the losses ?
How to negociate commercial lease rate?
Added on : Tuesday September 11th 2012 01:00:47 AM
ever since my next door closed about 4 years ago, I only dreamed to expand my restaurant, now I think it can come true but until recently I spoke to Landlord.We brifely talked about the rent rate and landlord(an individual) expressed that would not go down from market price($2/sq. ft)
the rate is
Current: $2/per sq. 1500 sq ft. = $3000/per month
Expand size adding 3000 sq ft. + 1500(current) = 4500 sq ft. = $9000/per monthhow can I make him to bring it down close to where I want(~$7k/mo)? any good strategy?
I'm really bad at negociate because I have bad temper.
I can't move to cheaper space because restaurant is all about location.
around area I checked the rent rate it ranges from $1.5-$2.5 but very similar location goes bit lower and almost all brokers willing to negociate
I'm willing to do long term lease (10, 15, 20years) plus option to renewal same term
LL won't offer any TI money, but only offers 6-9 months free rent which is very normal for remodeling a restaurantany thoughts, experiences very welcomeThanks
Fortune Street Wii Game $17.43 @Amazon.com Ships w/ Prime
Added on : Sunday September 09th 2012 08:00:02 PM
Fortune Street by Nintendo Wii game for $17.43 @ Amazon.com, Ships for Free with $25+ or with a PrimeDeal LinkIt sells for ~$40 @ Target and ~$36 at WalMartGame Features: Go for broke with Mario and the whole Mushroom Kingdom gang in this exciting interactive board game.
Snatch up properties, invest in shops, charge your foes and drain their bank accounts, and play the stock market like a true tycoon. That's how you earn the big bucks on Fortune Street.
Players can choose to play as a variety of Mushroom Kingdom characters, as DRAGON QUEST characters or even as their own Mii characters.
The beginner setting called easy rules helps newcomers learn the basics, while the more advanced, standard rules introduces more challenges and deeper strategy options.
Play against friends with the Nintendo Wi-Fi Connection.FREE One-Day Shipping if you purchase this item using your Discover Card. Enter code DSCVRFSP at checkout. Here's how (restrictions apply)
Amazon Coupons
Pros/Cons of Management Consulting?
Added on : Thursday September 06th 2012 12:00:50 PM
I'm a Electrical Engineer, working in the Semiconductor industry for almost 15 years. I recently went back to school to start a graduate business degree from a very well known school. It isn't an MBA, it is a degree focused on bringing technology to market and generating wealth from it. There is lots of overlap with an MBA, such as finance and strategy type courses, but there are also specialized courses on evaluating the market potential for a technology, and then writing a business plan and creating a new venture from it.If I were to go into the management consulting field with this degree (at a place like McKinsey or Accenture), what should I expect in terms of culture, time commitment, travel, compensation, work/life balance, etc? I've worked my share of long weeks as an Engineer, but I'm not sure I would be interested if 70-80 hour weeks are expected every week. I have a few kids at home, so extended travel may not be all that appealing either.Any advice is appreciated.
Discussion: Asset allocation strategy for High Networth / Nearing retirement
Added on : Wednesday September 05th 2012 03:00:47 PM
For those of us who are high net worth and are nearing retirementFor the the sake of this discussion, let's propose that Nearing retirement = within 10 years of retirement
High Net Worth = investment / savings portfolio less liabilities is 20 to 25 times your anticipated living expenses (reduced by pension, annuity, SS payments if any)This sensationally titled article makes the case that a few disastrous years in the market can sink your retirement plan - and therefore, you should get ultra conservative once you have met or are close to your goalIt suggests that inflation risk is less of a concern than principle riskPersonally, I am using the asset mix guide of 120 - age as the percentage to invest in equities, believing the inflation risk is a certainty, and that I still have the time to recover from asset loss (as long as I don't sell too much into the downturn)I've modified this somewhat. Through the downturn, I did continue to invest (via 401k) in equities, but I did not change equity / bond allocations. Nor did I dramatically rebalance my portfolio (Wish I did, but I was in close to terror at the huge portfolio losses I had already suffered and just couldn't ). My portfolio has since (mostly) recovered. (Showing about 1.1% CAGR since 1/1//08 ( I lost about 30% of my paper net worth by year end 2008)For those in this profile, what is your asset allocation strategy and why?
Kid Icarus: Uprising - Nintendo 3DS - $14.99 Shipped or Pick up @ Best Buy
Added on : Tuesday September 04th 2012 06:00:03 AM
Save $25 after promo code. Free shipping or store pick up. This game rates well, generally favorable 83/100 Metascore (8.7 User score)LINKSoar through the air and engage in intense combat on the ground when you pop in the nonstop, action-packed thrill ride of Kid Icarus: Uprising. For the first time on your Nintendo 3DS, Kid Icarus comes to life and pushes the limits of your handheld system by putting nearly all of its features to use. Take off into the sky for exciting air battles and fight it out on land using the intuitive touch controls. The controls may be easy to pick up, but they also offer incredible depth and challenge for advanced maneuvers. Plus, with an arsenal of dozens of available weapons, you'll be able to attack from a distance and up close. Get ready to spread your wings and take off for adventure.Kid Icarus: Uprising brings the action and adventure of the original Kid Icarus to new heights and stunning new visual dimensions on the Nintendo 3DS. Begin each stage with an initial air battle, and continue the fight with ground-based skirmishes with intuitive touch controls. Collect dozens of weapons as you progress through this sprawling adventure, noting each weapon's characteristics that differ in abilities for ranged and melee attacks. Team up with friends or fight amongst each other in fun multiplayer modes for up to six players. Simple controls, AR-card compatibility, a fascinating storyline and more await. Are you ready to take flight?FEATURES* Use the built-in 3D camera on your Nintendo 3DS to activate the specially designed AR cards with animated game characters that pop up in 3D and battle against other cards
* Battle against up to five other players in fun multiplayer modes that allow players to choose their weapons and compete in thrilling Land Battle on teams or individually
* For 1 to 6 players
* Engage in air battles and continue the fight in ground-based skirmishes in each chapter of the storyline
* Designed by Masashiro Sakurai, creator of Kirby and Super Smash Bros.
* Use intuitive touch controls to fly through the air and engage in dynamic ground combat
* Discover depth and strategy for advanced maneuvers that keep you engaged
* Immerse yourself in the epic odyssey with gorgeous 3D visuals that are paired with fully voiced levels and a thrilling soundtrack
* Collect an arsenal of different weapons with their own characteristics and learn which work best for ranged and melee attacks
Best Buy Coupons
50% off 10 PC strategy games - gog.com - exp 9/3
Added on : Monday September 03rd 2012 10:00:02 AM
LinkTOTAL ANNIHILATION: COMMANDER PACK
$2.99
TOTAL ANNIHILATION: KINGDOMS + EXPANSION
$2.99
AGE OF WONDERS
$2.99
AGE OF WONDERS 2: THE WIZARD'S THRONE
$4.99
AGE OF WONDERS: SHADOW MAGIC
$4.99
MASTER OF MAGIC
$2.99
PHARAOH + CLEOPATRA
$4.99
ZEUS + POSEIDON (ACROPOLIS)
$4.99
WARLORDS BATTLECRY 3
$4.99
CAPITALISM 2
$4.99
10 rules of investing
Added on : Saturday September 01st 2012 12:00:48 AM
This is from John Bogle (founder of Vanguard) and thought it was worth a share.1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.3. Buy right and hold tight. Once you set your asset allocation, stick to it no matter how greedy or scared you become.4. Have realistic expectations. You are unlikely to get rich quickly. Bogle thinks a 7.5 percent annual return for stocks and a 3.5 percent annual return for bonds is reasonable in the long-run.5. Forget the needle, buy the haystack. Buy the whole market and you can eliminate stock risk, style risk, and manager risk. Your odds of finding the next Apple (AAPL) are low.6. Minimize the "croupier's" take. Beating the stock market and the casino are both zero-sum games, before costs. You get what you don't pay for.7. There's no escaping risk. I've long searched for high returns without risk; despite the many claims that such investments exist, however, I haven't found it. And a money market may be the ultimate risk because it will likely lag inflation.8. Beware of fighting the last war. What worked in the recent past is not likely to work going forward. Investments that worked well in the first market plunge of the century failed miserably in the second plunge.9. Hedgehog beats the fox. Foxes represent the financial institutions that charge far too much for their artful, complicated advice. The hedgehog, which when threatened simply curls up into an impregnable spiny ball, represents the index fund with its "price-less" concept.10. Stay the course. The secret to investing is there is no secret. When you own the entire stock market through a broad stock index fund with an appropriate allocation to an all bond-market index fund, you have the optimal investment strategy. Discipline is best summed up by staying the course.
Vintage strategy games 50% off @ gog.com
Added on : Friday August 31st 2012 09:00:03 AM
Strategy weekendTotal Annihilation: Commander Pack $2.99
Total Annihilation: Kingdoms + Expansion $2.99
Age of Wonders $2.99
Age of Wonders 2: The Wizard's Throne $4.99
Age of Wonders: Shadow Magic $4.99
Master of Magic $2.99
Pharaoh + Cleopatra $4.99
Zeus + Poseidon (Acropolis) $4.99
Warlords Battlecry 3 $4.99
Capitalism 2 $4.99Or all of the above for $41.90http://www.gog.com/en/promo/strategy_weekend?
Unconventional leadership is the solution because it leads to creativity, flexibility and risk-taking. These three components are essential to innovation and winning in today's global and hyper-competitive environment. The book provides ideas about how to lead and build an unconventional company that beats the competition:
Develop a strategy that builds competitive advantages
Become an unconventional thinker and leader
Craft an unconventional culture
Hire unconventional thinkers who can motivate themselves
Create an environment that supports creativity
Use humor and honest communication to enhance performance
Embrace change and turn it into a competitive advantage

The ideas in this book are applicable to any company that wants to beat the competition. They have helped thousands of people become better leaders and they can help you too. What are you waiting for? Think Outside the Box so you can Compete Outside the Box
http://www.amazon.com/Compete-Outside-Box-Unconventional-ebook/d...
Amazon Coupons
Unconventional leadership is the solution because it leads to creativity, flexibility and risk-taking. These three components are essential to innovation and winning in today's global and hyper-competitive environment. The book provides ideas about how to lead and build an unconventional company that beats the competition:
Develop a strategy that builds competitive advantages
Become an unconventional thinker and leader
Craft an unconventional culture
Hire unconventional thinkers who can motivate themselves
Create an environment that supports creativity
Use humor and honest communication to enhance performance
Embrace change and turn it into a competitive advantage

The ideas in this book are applicable to any company that wants to beat the competition. They have helped thousands of people become better leaders and they can help you too. What are you waiting for? Think Outside the Box so you can Compete Outside the Box
http://www.amazon.com/Compete-Outside-Box-Unconventional-ebook/d...
http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer. Simple, smart and secure backup technologies! Paragon System Backup is easy to use and highly automated: out-of-the-box automation for scheduled background protection of your complete system and data. Plus, customizable backup strategy options for specialized individual needs.System Backup 10.5 Special Edition provides the same functionality as System Backup 11 except the possibility to create WinPE based recovery media*, but you can create and use Linux/DOS-based Recovery media with built-in Recovery Media Builder.Key Features of System Backup 10.5 Special Edition:
Out-of-box automated backup helps you initiate protection of your system and data on a regular basis just after the product installation.
Set-and-forget backup strategy. Cyclic Backup establishes a self-running data protection system, providing a set-and-forget backup strategy.
With the Create New Storage wizard, System Backup will analyze your disk system and determine the most appropriate place to store your backup images.
Paragons Smart backup engine effectively distributes resources among other applications when backing up in the automatic mode, so you can keep working on your computer and without any noticeable lag in system performance.
System Backup is based on simplicity and minimal user participation.
Advanced notification system. Color indicators in the system tray inform you about the level of danger your system and data are in and prompt you with ways to fix it.
Student Loan Payoff - Tax Strategy
Added on : Tuesday August 21st 2012 06:00:49 PM
My wife has about $30k in student loans. Thanks to a recent home sale, we're in a position to pay them off. If it matters, the loans are still in deferral as she finishes up the last year of her doctorate.I only recently learned that capitalized interest is deductible. She's had these loans for a few year, so there's a lot of capitalized interest. As I understand the IRS rules, we can allocate however much of our payment we want to capitalized interest. Also, I believe there's a $2,500 limit on deducting student loan interest.For the sake of keeping this easy, let's say she ows $30k plus $2k in interest for this year. The principal includes $3k in capitalized interest from years past. My strategy is to pay the loan down to ~$2,500, thus taking the $2k in current interest and $500 in capitalized interest as a deduction on this years taxes, and then paying off the remainder next year, claiming the left over $2,500 of capitalized interest on next years taxes.Do you see anything wrong with this strategy?
401K to IRA Rollover tp Cash Out Strategies?
Added on : Tuesday August 21st 2012 02:00:53 PM
Does anyone have advice: Someone I know has needs their 401k funds. Their employment was recently terminatedTheir 401K has only around $880 in it and they need to liquidate it and access the funds.They have a small Roth IRA, not with the former employer. They're unemployed and now homeless, and have many bills.

With the goal of cashing out, would a Rollover to an IRA and then cashing out be best strategy
to avoid the most tax hits? Regular IRA or Roth IRA?Thanks.
car trade in head fake = good deal on new car?
Added on : Sunday August 19th 2012 02:00:49 AM
After much research we went looking for a new Prius today. MSRP was $26,600 and TrueCar target price $25,800. Costco price and my credit union car-buying service price = about the same, or $25,800. There are no cash incentives on Priuses.Special sales price of the Prius was $25,000 (lower than Truecar, Costco, or credit union). They offered us an extra -$500 for buying 'today' and $8700 on my trade in 2006 RAV. I knew from previous research that my RAV was worth closer to $9500 in trade in and I hesitated a little. They then offered an additional -$500 'he really wants your business' discount, and wrote up the whole offer as follows:$26,600 MSRP
-$1600 sale
-$500 discount
-$500 discount
-$8700 trade
+$150 docs= $15,450So I figured they were giving me the 'extra' $500 discount(s) because they were undercutting the trade by about $1000. After much discussion we told them they wanted the car but decided not to trade in, just going to buy the car. They went back and huddled and came back with an OK and we bought for $24,450+TTL, a very good price (I'm sure some could have done better).I'm not too experienced with buying cars but I am wondering if this 'head fake' with the trade in has value because the dealer will write up the rest of the offer based on lowballing your trade in. Then you yank the trade in and they'd be painted in a corner just a little.I'm still in the market for 1-2 more cars so if this is a useful strategy we might try it again.
Out of state NEW vehicle purchase transfered to relatives in California
Added on : Thursday August 16th 2012 04:00:47 AM
Quick question for the group of experts:Does this strategy work, and/or is it legal?A vehicle will be purchased in Oregon and registered in Oregon, with a 0% tax rate by an immediate family member.
Can that vehicle then be transferred to a different family member in California to avoid sales/use tax?I know this can be done for "used" cars, and while technically a 2nd owner car is used I'm confused by some provisions I've read about. Mainly Out of State vehicle purchases. These laws seem to surround closing the loophole for emission avoidance rather than tax avoidance.This would be financially beneficial to avoid a) sales/use tax and b) lower registration costs now that off the lot depreciation has kicked in.California DMV's family transfer website outlines the use tax exclusion provision.Thanks
Live Your Dreams: Powerful Strategies for Attaining Your Greatest Goals, shows ordinary people how to attain their extraordinary dreams. Matt Byron teaches how you can accomplish your dreams by developing a specific strategy, leveraging technology and using creativity.
By the age of 32, Byron developed specific and effective strategies to achieve his personal dreams: running a marathon, producing an independent film, and sailing from the Caribbean to Maine. In his work as a corporate strategy consultant, Byron advised private equity firms, university deans, and Fortune 500 executives. He helped provide solutions to obstacles measured in hundreds-of-millions dollars. From his personal and professional successes, he has developed methods to strategically attain great goals.
Byron has enjoyed many extraordinary opportunities. Yet, he comes from an average background. He teaches you the strategies needed for attaining similar results.
Live Your Dreams, will transform you into a juggernaut and arm you with powerful tools to actualize your boldest dreams. It will motivate you to live you best life, and help you seize great opportunitieshttp://www.amazon.com/Live-Your-Dreams-Strategies-ebook/dp/B008U...
Amazon Coupons
Live Your Dreams: Powerful Strategies for Attaining Your Greatest Goals, shows ordinary people how to attain their extraordinary dreams. Matt Byron teaches how you can accomplish your dreams by developing a specific strategy, leveraging technology and using creativity.
By the age of 32, Byron developed specific and effective strategies to achieve his personal dreams: running a marathon, producing an independent film, and sailing from the Caribbean to Maine. In his work as a corporate strategy consultant, Byron advised private equity firms, university deans, and Fortune 500 executives. He helped provide solutions to obstacles measured in hundreds-of-millions dollars. From his personal and professional successes, he has developed methods to strategically attain great goals.
Byron has enjoyed many extraordinary opportunities. Yet, he comes from an average background. He teaches you the strategies needed for attaining similar results.
Live Your Dreams, will transform you into a juggernaut and arm you with powerful tools to actualize your boldest dreams. It will motivate you to live you best life, and help you seize great opportunitieshttp://www.amazon.com/Live-Your-Dreams-Strategies-ebook/dp/B008U...
Amazon Coupons
iPhone / iPad App Price Drops: iStadiums HD, On The Wind, Slay, more
Added on : Monday August 06th 2012 08:00:07 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $4 off. The deals, all with applicable platforms noted:
iStadiums HD for iPad for 99 cents ($4 off): Stadium database
PhotoForge2 for iPhone, iPod touch, and iPad for 99 cents ($2 off): Photo editing software
On The Wind for iPhone, iPod touch, and iPad for 99 cents ($1 off): Puzzle game
Photo Manager Pro for iPhone, iPod touch, and iPad for 99 cents ($2 off): Photo organization tool
Slay for iPhone, iPod touch, and iPad for $1.99 ($2 off): Strategy game: LINK
WWII Artilery for iPhone and iPod touch for 99 cents ($4 off): Weapons database
Little 3 Kingdoms for iPad for 99 cents ($1 off): Tower defense game
iTunes Coupons
Financial market gurus, how would you invest 100K?
Added on : Sunday August 05th 2012 10:00:46 PM
I'm trying to determine the optimal investment strategy in this current economic environment.
Which asset class in particular and why?
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $4 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Protected for iPhone and iPod touch for 99 cents ($1 off): Confidential file storage tool
Jelly Defense for iPhone, iPod touch, and iPad for 99 cents ($2 off): Tower defense game
Conquist 2 for iPhone, iPod touch, and iPad for 99 cents ($2 off): Strategy game
Multiponk for iPhone, iPod touch, and iPad for 99 cents ($2 off): Ball and paddle game
DOOM Classic for iPhone, iPod touch, and iPad for 99 cents (pictured, $4 off): Classic first-person shooter: LINK
ReaddleDocs for iPhone and iPod touch for 99 cents ($4 off): Document storage and access tool
Roads of Rome HD for iPad for $1.99 ($2 off): Strategy game
iTunes Coupons
Mirror's Edge - XBOX 360 Game - $9.99 Shipped @ Best Buy
Added on : Sunday July 29th 2012 12:00:02 PM
An older well reviewed game at a decent price. Can get used for $8 on average but would rather have a new copy. Would not recommend for people with vertigo . 4.8/5.0 stars rated with 30 reviews. 79/100 Metascore.LINKIn a seemingly utopian city, the tight rein placed on information has created a market for a new type of profession: agile couriers called Runners who transport sensitive data on foot, away from prying eyes. But when a Runner named Faith discovers that her sister has been framed for a terrible crime, she soon finds herself on the run for a reason entirely unrelated to her job. Caught in the sights of unscrupulous opponents determined to hunt her down, Faith now must run for her life. In this soaring, vertigo-inducing cityscape, will she be able to outrun a deadly fate?Mirror's Edge thrusts you into the path of danger with its combination of chase, puzzles, strategy and fierce combat. Run, leap and vault through the complex urban environment with incredibly smooth, acrobatic movements that lend immediacy to the heart-pounding action. Runner vision lets you view the world from the perspective of the Runner as you scan the environment for your next means of escape. Scale walls and leap across rooftops as you strive to evade danger, knowing the continued movement of your feet is the only thing keeping you alive.FEATURES* Take on the role of Faith, a Runner being chased down across a dizzying cityscape
* String together wall-runs, leaps, vaults and other moves to turn the urban environment to your advantage as you flee
* Experience Faith's danger in a visceral way thanks to a stunning, never-before-seen sense of movement and perspective
* Use your speed and agility not only to outrun and escape, but also to disable and disarm
* See the flow in Runner vision, experiencing the immediacy of the action as you search for opportunities and escape routes
* From the makers of the Battlefield franchise
* For 1 player
Best Buy Coupons
Finance advice for me please (20s college grad)
Added on : Saturday July 28th 2012 07:00:43 PM
My current situation is ...
I have zero debt (student loan, credit card debt, car/house mortgage, etc) - I am 25 and a fresh grad, but took time off in between to graduate with no loans/debts
I graduated in May 2012 and have been employed full time since then
My 'free money' every month after health insurance/tax/social security/rent/cell phone/utilities/other monthly payments (anything and everything that has to be paid monthly basically) is around $1400 - which are then spent on food, shopping, entertainment etc
I've been somewhat carefree with the money, and also paying for moving to new apartment (furniture, moving costs, etc.) since graduation but I feel that I really need to get a grip on my spending and hopefully save up a bit before I eventually go to grad school (hopefully in couple years)btw, my current job doesn't pay too well, but provides a good opportunity for my future plans (grad school)I currently have one credit card (mastercard) that I've had since my undergrad years, and this card has zero rewards (I pay this off in full every month)
and also have one checking account with BoAApart from my first ever credit card payment (I think it was back in 2008... ), I've never missed a payment date - for my credit card or other payments, but do not know my current credit score (is there a way to do this for free?)
What should I do with the surplus money every month? Right now, I'm just letting it sit in my checking account (although there's not a lot)
Savings account? Maybe apply for credit cards with better rewards program? Stocks? Bonds?
I've done some research around the internet but most of the strategies seem to be geared towards 1. Getting out of debt (which I am not)
2. Investing when you have lots and lots of money (which I am also not)what would be the best strategy for some money-padding for someone who's just starting out like me ? I'd appreciate any advice you can give me!
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $9 off. The deals, all with applicable platforms noted: (Search for these deals in iTUnes App Store)
Percolator for iPhone, iPod touch, and iPad for 99 cents ($1 off): Image-processing tool
Toca Store for iPhone, iPod touch, and iPad for 99 cents ($1 off): Children's learning tool
Shredder Chess for iPhone and iPod touch for $1.99 ($6 off): Chess game
Due for iPhone, iPod touch, and iPad for $2.99 (pictured, $2 off): Reminder and timer software: LINK
Neuroshima Hex for iPhone, iPod touch, and iPad for $2.99 ($2 off): Digital board game
Caylus for iPhone, iPod touch, and iPad for $2.99 ($2 off): Turn-based strategy game
iTunes Coupons
Annual Yep Roc Records "Gimme 5" $5 per CD Sale!
Added on : Monday July 23rd 2012 09:00:03 AM
http://www.yeproc.com/saleThe Yep Roc Store is excited to announce the Gimme 5″ CD Sale. For one week only, ending 7/27, we are giving Yep Roc fans the chance to raid our warehouse and stock up on over 85 CDs from Nick Lowe, The Sadies, John Doe, Dave Alvin, Liam Finn, Paul Weller and more for just $5 each!Check out these featured CD sale titles and see below for the full list of titles. As an added bonus, every CD includes instant digital download of the album for FREE! Dave Alvin Ashgrove
Dave Alvin & The Guilty Women Dave Alvin and The Guilty Women
The American Princes Less and Less
The Apples in stereo Travellers in Space and Time
The Apples in stereo Electronic Projects for Musicians
The Autumn Defense Once Around
BARB BARB
The Baseball Project Vol. 1: Frozen Ropes and Dying Quails
BeauSoleil Alligator Purse
Bell X1 Bloodless Coup
Bell X1 Flock
Big Sandy & His Flyrite Boys Turntable Matinee
The Bigger Lovers Honey In The Hive
Jake Brennan & The Confidence Men Love And Bombs
Carlene Carter Stronger
Caitlin Cary and Thad Cockrell Begonias
Chatham County Line Wildwood
Cities Cities
The Comas Conductor
Rodney Crowell Sex & Gasoline
John Doe Forever Hasnt Happened Yet
John Doe For the Best of Us
Dolorean You Cant Win
Drink Up Buttercup Born And Thrown On A Hook
Erland & The Carnival Nightingale
Liam Finn FOMO
The Fleshtones Do You Swing?
Robert Forster The Evangelist
Fujiya & Miyagi Ventriloquizzing
Robbie Fulks Revenge!
Gordan Gano & The Ryans Under The Sun
Giant Sand Provisions
The Go-Betwens Oceans Apart
The Golden Dogs Big Eye Little Eye
The Gourds Haymaker!
Darren Hanlon I Will Love You At All
Heavy Trash Going Way Out with Heavy Trash
Heloise & the Savoir Faire Trash, Rats, and Microphones
Kristin Hersh Learn To Sing Like A Star
Robyn Hitchcock Spooked
Ian Hunter Shrunken Heads
The Iguanas If You Should Ever Fall On Hard Times
Jukebox the Ghost Everything Under the Sun
Kingsbury Manx The Fast Rise and Fall Of The South
Laika & The Cosmonauts Cosmopolis
Jim Lauderdale Honey Songs
Jim Lauderdale Bluegrass Diaries
Los Straitjackets The Further Adventures of Los Straitjackets
Los Straitjackets Sing Along With Los Straitjackets
Nick Lowe At My Age
Nick Lowe Labour of Lust
Madness The Liberty of Norton Folgate
Marah Angels of Destruction!
Marah If You Didnt Laugh, Youd Cry
Mercury Rev Snowflake Midnight
The Minus 5 Killingsworth
The Minus 5 The Minus 5
The Moaners Dark Snack
Ian Moore Luminaria
Bob Mould Body Of Song
Peggy Sue Acrobats
Grant-Lee Phillips Little Moon
Chuck Prophet Let Freedom Ring
Radio Birdman Zeno Beach
Reckless Kelly Somewhere In Time
The Reverend Horton Heat Laughin And Cryin With The Reverend Horton Heat
Jason Ringenberg All Over Creation
Rock Plaza Central Are We Not Horses
Dexter Romweber Blues that Defy My Soul
Josh Rouse El Turista
The Sadies New Seasons
The Sadies Tales of the Ratfink
Ron Sexsmith Exit Strategy of the Soul
Sloan Parallel Play
Sloan Never Hear The End Of It
Todd Snider The Excitement Plan
Southern Culture On The Skids Countrypolitan Favorites
Spencer Dickinson The Man Who Lives for Love
Chris Stamey Travels In The South
The Standard Wire Post To Wire
Tres Chicas Bloom, Red & The Ordinary Girl
Paul Weller As Is Now
Paul Weller Wake Up the Nation
You Am I Convicts
Young Fresh Fellows I Think This IsI took advantage of this sale last year, and there wasn't a bad CD in the bunch that I received. These are truly excellent artists and albums, but they are NOT the pablum you will hear on a Clear Channel Communications channel. Great indie rock from a great indie label!Enjoy!
in depth first time question current finance student
Added on : Tuesday July 17th 2012 10:00:44 PM
To spare as many irrelevant details as possible I need some help with my financial situation. I am a retired minor league baseball player (27 years old 1 year remaining until i finish undergrad degree) who has $900 in savings, 10k in credit card debt at 13.24% minimum monthly payment of $205, 16k in auto loan at 3.49% and have payments of $260/month for 66 remaining months. I was released from my team after injury and receive $100 per week in light duty worker's comp, $30 per day in taxed living expenses reimbursement per the MLB scholarship program. In another month I will begin work at school while I am enrolled to complete my degree in Finance and will earn $1700/month after taxes. Specifically I am wanting to know if there is a strategy that I should be aware of in getting out of debt and/or wisely investing. Specific to my reimbursement per my scholarship program, the payments will be taxed lump sums awarded at the completion of each semester. I anticipate receiving 2/3 (taxed) of $3600 in 3 lump sums (ending summer, ending fall, ending spring semesters). The total of these amounts would be nearly equal to my outstanding credit card debt which obviously represents the amount of debt accruing the highest interest rate. Plan 1 would involve transferring my balance to another credit card in which i will earn 0% interest for 24 months after an initial transfer fee. At the risk of making a simple financial maneuver more complicated, I want to know if there is an alternative to transferring the balance and paying over the course of 1 year with the lump sums of my scholarship reimbursement. Real estate investment fascinates me and is obviously attractive to those who can afford it given the current interest rate circumstance. Would I benefit at all from looking into real estate investment having not owned a home before/not currently owning a home given my current amount of debt?Is there any chance at all that I could be looking into property investment as a way to pay off current debt and provide a long term monthly income (albeit a small amount initially). Or should I just focus on paying down the balance of debt? And if so, is there another strategy that I should be aware of?thank you to any and all who reply and or give thought to my situation.AG
Paying Off Private Student Loans v. Federal Student Loans v. Investing
Added on : Wednesday July 11th 2012 02:01:01 PM
Hello, I recently consolidated my student loans, and was hoping for a bit of advice on the best way to move forward. Background:I currently have just over $80,000 in private student loans at variable 3.5% interest rate. While this rate will hopefully stay this low, it will not go above 5.5% in the next 4.5 years (thank you Service-member's Civil Relief Act), but has the potential to go much higher once I leave the military. I also have just over $57,000 in federal student loans (law school is way too expensive), with a fixed interest rate of 4.625%. I have about $60,000 currently saved up, and will have an additional $75,000 or so by next summer. These two amounts combined would give me enough money to completely wipe out my student loan debt (which was my original plan before I reconsolidated at such a low rate on my private loans). The $60,000 includes a $25,000 emergency fund, but I have enough additional liquid cash, a stable job, and a good safety net (thank you Mom and Dad), that I'm not worried about using the whole fund (Please note that I have also been fortunate enough to be able to max out both my Thrift Savings Plan (401K) and my Roth IRA the past few years, and should be able to continue to do that regardless of the strategy I choose regarding my loans).I just enrolled in the Federal Government Loan forgiveness program (about 4 years late), and would benefit from VERY low Income based repayment (IBR) plan for the next few years thanks to a deployment which spanned the portions of the past two years and knocked my Adjusted Gross Income (AGI) to an obscenely low number. Even after I lose the VERY low AGI, thanks to all the tax free benefits of the military I would still have a relatively low payment for the next 2.5 years. At that point I will most likely get out of the military, and while there is a possibility I will get out of public service, it is likely I will find a civilian government job (thereby continuing with the loan forgiveness program). Getting out of the military would put me on the standard 10 year repayment plan that I would have been on all along had I not switched to the IBR. In the end, assuming I stayed in government service, but got out of the military, I would pay about $6000 dollars less in total on the federal loans ($51,000+), than the amount I owe today ($57,000+). If I were to get out of the public sector altogether, I would end up paying significantly more due to the large amount of interest that would accrue during these first few years.Potential Plan (and where I hoping for your invaluable input):Because the rates are currently so low on the private loans, I am considering making my minimum payments ($403 a month) on those loans for the time being. I would then take the $60,000 I currently have saved and pay off my Federal Loans in their entirety. Once the pay-off was complete, I would only have a monthly private loan payment of $403, as compared to the $1310 monthly payment I was making prior to my consolidation and the pay-off. I could then take the $900+ dollar difference and invest the money each month/rebuild my emergency fund. I could also invest the other $75,000 dollars I will accumulate by next summer. Then if the interest rates were ever to sky rocket on the private loans, I could just take the investment money and pay off a large chunk, if not all, of the private loans. In general I feel like I've thought this through pretty thoroughly, but I hate carrying all this debt, and something about paying off the public loans while keeping the private loans just seems wrong. Are there any reasons (besides the Forgiveness Program) to pay off the private loans over the federal loans, or would it be even better to just keep both and invest all of the money? It seems to intuitively make sense to keep both and invest, particularly when the public loans will be forgiven after 10 years, but because I will accrue so much interest by making such low payments at the beginning on the 10 years, I really have to be committed to staying 10 years in government service. If anything changes with that plan, it could end up costing me quite a bit more, and considering the direct benefit of paying off the loans today v. the approximate amount I will pay over the 10 years (again, only about $6000), I'm just not sure the risk is worth it. Does anyone else have any thoughts?I'm sorry for writing a book, but this issue has been "keeping me up at night," and I would really appreciate some second opinions.Thanks.
Save $25 after rebate and promo code! Ships free, no tax for most. Overall very good reviews, 4/5 average eggs rated with 99 reviews. $129.99 List
-$20.00 Instant
-$5.00 Promo Code: EMCNCJN64
-$20.00 Mail in Rebate
* Valid for purchases 7/3-7/16 *
-----------------------------
$84.99 Final PriceLINKThe Corsair Vengeance K90 is a premium performance mechanical keyboard designed for superior Massively Multiplayer Online (MMO) and Real Time Strategy (RTS) gaming. It features Cherry MX Red mechanical key switches which are of the best of the best key switches and coveted by gamers. They are defined by their low-operating force (45g) and smooth, linear key switch design so you can get quicker double and triple clicks, without the annoying click of a typists keyboard.18 dedicated, customizable macro keys provide easy access to your most frequently used macros, presets and key combinations. Full Key Matrix Anti-Ghosting and 20 Key Roll-over on USB detects and reports any simultaneous combination of key-presses with each key press being reported independently. Professional grade brushed aluminum chassis with laser etched, backlit keys provides a comfortable, yet rugged design with outstanding illumination.THE VENGEANCE K90 GAMING KEYBOARD: DESIGNED FOR PERFORMANCE GAMINGVengeance K90 is an enthusiast-grade gaming keyboard designed for MMO and RTS gameplay with premium responsiveness, superior customizability, and outstanding durability.
CHERRY MX RED MECHANICAL KEY SWITCHESCherry MX Red key switches are the best of the best they provide the sensitivity and low operating force that professional gamers love. Reaction times are ulra-fast and responsive for quicker double and triple taps. The action is predictable and linear unlike lesser gaming keyboards that have a tactile bump or the annoying click of a typists keyboard.18 DEDICATED, CUSTOMIZABLE G-KEYS
Easily access to your most frequently used macros, presets and key combinations even during the most intense action. You can record up to 54 programmable functions accessible from three separate banks, ideal for grouping macros by function, or access. Macros can be created on-the-fly, customized, and activated with a single keystroke.FULL KEY MATRIX ANTI-GHOSTING
Our expertly designed anti-ghosting technology provides flawless control even when you're pressing multiple keys at once. The K90 has individual switches with dedicated diodes for each switch so every key press results in an input and is 100% ghost free without tradeoff or compromise.20-KEY ROLLOVER (20KRO) ON USB
Typical USB gaming keyboards are limited to the USB standard six-key rollover. The K90 features increased performance with a 20-key rollover implementation on USB at a blazing fast 1ms (1000 reports per second) reporting rate.PROFESSIONAL GRADE BRUSHED ALUMINUM CHASSIS WITH LASER ETCHED, BACKLIT KEYS
The rugged aluminum chassis provides increased durability and stability compared those that are primarily plastic. The stiff suspension chassis and the laser etched keys are made for durability so they won't degrade over time. And the K90 has over 90 LEDs that provide outstanding illumination even in dim light.VENGEANCE GAMING KEYBOARD SOFTWARE
Create up to 50 profiles and share, import and export macros with the Vengeance keyboard gaming software. It's a free download at corsair.com.ON-BOARD MEMORY LETS YOU TAKE IT WITH YOU
36KB of memory built into the K90 lets you take your customizations and profiles with you and use them on any system.EASY ACCESS MULTIMEDIA CONTROLS
Control all of your music with the easy access media controls.USB PASS-THROUGH
A USB port on the back of the Vengeance K90 gaming keyboard makes connecting your mouse or other USB devices a simple task.SOFT-TOUCH WRIST REST
The soft-touch wrist rest helps you play for hours without fatigue.
Newegg Coupons
http://social.taylorstrategy.com/smpr/fb_tabs/thebar/links/July_...
Help me negotiate on my first house
Added on : Monday July 02nd 2012 03:00:44 PM
New member so apologize if doing this wrong....
We are buying our first house in western ny..found a property that was listed at 259k...we offered 245 but agent told us that there were multiple offers and that we shoul come with our best or risk losing it. We upped our offer to 252 and was accepted.
Before inspection we were told that the pool heater does not work and we accepted that thinking that anything else will be negotiable . The roof was also not at it's best but we were ok as comparable houses go for + 260 and a roof will cost ~ 10k in that area though I'm sure it's tough to compare even similar houses.
Inspection found many small issues and mold like material in the attic plus other problem with the pool equipment.
We requested seller to get these fixed but it seems that seller does not want to budge at all saying that they were not aware of the mold. Besides that a ventilation issue from the bathroom was also found in the attic which could be causing the mold.
Upon asking for mold inspection we were sent a mold testers contact number and asked to get it done ourselves . We already paid for the main inspection and we don't feel they will even pay for correcting the amount we put in for inspection (~$400)
I am not even sure if the agent is sending our requests to the seller as it seems that the agent even when we convey our concerns says that he does not feel that the seller will do anything.
I have a feeling that the agent is trying play with us and wanted to ask...
What will be a good strategy to deal with this situation ....I'm thinking asking for at least half price of mold testing but am not sure what they will agree if remediation is needed considering they are so stuck with the price.
Is there a way to find if our agent is forwarding requests to the seller....there is another agent involved ( from sellers side ).
Appreciate all inputs.
Debt reduction/saving advice for recent grad
Added on : Wednesday June 27th 2012 11:00:48 PM
I'm a 25 year old, very recent graduate with a professional degree. I would love to get some advice on the best strategy for paying off my debts and building savings/retirement funds. I currently have $28,500 in subsidized federal student loans, which will go into repayment and start accruing interest @6.8% in November. I currently have about $8,000 in the bank. I'm bringing in about $4,500/month after taxes and 401k contributions (currently set to max out employer match) and my monthly expenses are around $2,000/month (including some discretionary spending). I don't have any other debts and have no retirement savings until 401k deferrals start next paycheck. My goals are to get out of student loan debt as quickly as possible while starting to build savings/retirement funds. My future plans may include pursuing further training in my field in about 2 years. This would mean 2-4 years of making just enough to cover my expenses (however, I shouldn't have to acquire any additional debt) and my salary afterward would be similar or slightly below what it is now. Yes, money-wise it's a bad move, but I would be choosing to work in a field that I truly love and accepting lower compensation/opportunity cost of time back in school. With that in mind, I want to make sure that I put myself in the best position I can financially over the next 2 years. My short term plan is to set aside $4,000 as an emergency fund and using the remaining $4000 in the bank as the start of my savings, then focus the majority of my $2500 excess monthly income towards student loans to lower the principal as much as possible before they start accruing interest. When November rolls around, I'd start diverting more money into savings while still making large contributions towards debt repayment (perhaps 1700 loans/800 savings). If all goes as planned, I'll have paid off my student loans, established a good amount of savings and started my retirement fund before having a couple of lean years in grad school. I'd like to get some input on whether this sounds like a reasonable strategy and how I can improve it. I feel like I'm in a good position to get started, but need some careful planning so as not to hurt myself if I do go back to school in 2 years. Should I defer more money into 401k? Do large monthly payments throughout my loan grace period seem reasonable, or would I be better off accruing money in the bank for now and making a lump payment just before November? If need be, I could buckle down somewhat on monthly expenses and funnel more money other places - would you recommend it and why? Thanks for any advice you have to give!
World at War -Blue Ray $59.99 FS @ Amazon
Added on : Tuesday June 26th 2012 12:00:08 PM
http://www.amazon.com/gp/product/ref=pe_218170_24530120_pe_butto... This is the premiere documentary series on anything that I have seen. It doesn't focus on the battles or grand strategy so much as war at the individual human level. Isaccs and his crew went through tons of film archives that the holders simply asked his crews to tell them what was in them because the archives didn't know. Narrated by Sir Lawrence Olivier The opening sequence about Oradour-sur-Glane is one of the most moving pieces of footage and description of the horror of war I have ever seen. This series gives you the full impact of war not just the details of the battles but puts them in context of what was happening in the world. This is the 9 Disc set. There was and no longer available other than what is out in someone's stock a 11 disc set released for the 30th anniversary. I have that what is missing are two discs The Final Solution Parts 1 and 2. Also a Disc with supplemental interviews and an interview with Karl Wolff the adjutant to Himmler. The Amazon description says these are included. I don't know if this is true, the chapter breaks on the 9 main Discs are different from my older DVD set. If you believe Jorge Santayana that: ""Progress, far from consisting in change, depends on retentiveness. Those who cannot remember the past are condemned to repeat it." This is worth the money.
Amazon Coupons
Looks like the Price is Right game is already sold out. Here are two more under $16 Shipped.$15.99Sid Meier's Civilization RevolutionSid Meier's Civilization Revolution is the latest offering in the legendary award winning Sid Meier's Civilization series of strategy games, featuring the famous "just one more turn" addictive gameplay that has made this one of the greatest game series of all time.
$15.99 Capcom Digital CollectionCOLLECTION OF HIT GAMES: Features eight titles never before released at retail. The compilation consists of: 1942: Joint Strike, Bionic Commando Rearmed 2, Final Fight Double Impact (includes Final Fight and Magic Sword), Flock!Also includes: Rocketmen: Axis of Evil including Rocketmen: It Came From Uranus expansion, Super Puzzle Fighter II Turbo HD Remix, Super Street Fighter II Turbo HD Remix, and Wolf of the Battlefield: Commando 3.FAITHFUL CONTENT: Each game in the collection maintains all features, online functionality and Achievements from the previous digital versions.GREAT VALUE: At an MSRP of $39.99, the collection provides a great entertainment value. Purchased individually via download, this assembly of games would be more than double the cost.
Newegg Coupons
I have dental insurance from work and recently I switched to a new dentist (closer to home). When I went to this new dental office for teeth cleaning the first time a couple of weeks ago, the hygienist gave me Bitewing X-rays before the cleaning. She said this is routine procedure, but I told her that the previous dentist did some X-rays on my teeth last year (it's been a while and I don't remember exactly when at that time) and I seemed to remember that these X-rays were only covered by insurance once every 3 years. She told me that she called my insurance and made sure that this could be covered before I came to their office that day. That's why I went along with the X-rays.A week or so later, I found online that the X-ray charges (about $90) were denied by my dental insurance company and now the dental office passed those charges to me. While paying $90 would not make me broke, I don't think it's something that I should be paying in the first place. How should I proceed from here? If I negotiate with the dental office and they won't drop the charges, what's my best strategy then? I don't want something like this to wreck my credit history, but I don't want to pay for the dental office's mistake as well.Thanks!
New strategy to pay for college: move to Florida, be homeless
Added on : Monday June 18th 2012 02:00:46 PM
So how will FWFers (or their children) take advantage of this? IANAL, but this law seems to be so broadly worded that it could almost apply to any slacker who just bounces from friend's place to friend's place.Orlando Sentinel
From the relevant law (http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_S...(1) The following students are exempt from the payment of tuition and fees, including lab fees, at a school district that provides postsecondary career programs, Florida College System institution, or state university:
...
(f) A student who lacks a fixed, regular, and adequate nighttime residence or whose primary nighttime residence is a public or private shelter designed to provide temporary residence for individuals intended to be institutionalized, or a public or private place not designed for, or ordinarily used as, a regular sleeping accommodation for human beings.
Is this a legitimate credit score strategy?
Added on : Saturday June 16th 2012 01:00:45 PM
The following are all arbitrary numbers.I have $5,000 in credit card debt at 15%. I have a 90% utilization rate.If I get a personal loan for $5,000 to consolidate my credit card debt, will that bring my utilization rate to 0%?Will that bump up my credit score (weighing in low utilization rate vs ding for credit check)?Then hypothetically, I would be able to qualify for 0% BT offers that I was denied for last year, and use that to pay back my personal loan.
Need Math help calculating payments and APR
Added on : Friday June 15th 2012 10:00:45 AM
Need help on a formula or steps to calculate with a regular calculator the following scenario:Say I have $20,000 debt at 24.99% APR. Let us say I want to pay $2000 each year until paid. Or, I want to pay $2500 a year. (example numbers, not actual strategy)Need to find out how much will I save by paying $500 more each year in the long run ($2500 vs $2000 payments).Thanks.PS: This is not homework, this is life.
Resident Evil 5: Gold Edition - PS3 - $15.99 Shipped @ Newegg
Added on : Tuesday June 12th 2012 08:00:05 AM
Great game with a bunch of extras in this Gold Edition. Beats others by $5 and up. Generally favorable 84/100 Metascore.LINK
The Resident Evil 5: Gold Edition is a must-have for Resident Evil fans! Included are the original game and all additional content released for Resident Evil 5 on a single Blu-ray disk for PS3 or as a DVD with a token to download all content from XBOX Live.Episodes:
Lost in Nightmares: Only previously viewed during cut scenes of Resident Evil, now play through the events leading up to the moment Chris Redfield thought he lost his partner forever. Play as Chris Redfield or Jill Valentine and journey back to the infamous Spencer Mansion from the original Resident Evil, try and solve its treacherous puzzles, and search to uncover the secrets of Umbrella Corporation at the source.Desperate Escape: A fatigued but rescued Jill has collapsed. Awakened by BSAA agent Josh Stone, play through their desperate escape from the Tricell facility, fighting off unrelenting waves of enemies in heart pumping blockbuster action as they race to assist Chris and Sheva in their final showdown with Albert Wesker.New Costume Packs: Experience Resident Evil 5 in a whole new way with four new character costumes which allow additional playability through both gameplay and cut scenes.The Mercenaries Reunion: A new refresh of Mercenaries Mode, The Mercenaries Reunion brings 8 new playable characters and weapon load outs into the fray, providing players with additional challenges as they aim to shoot down as many enemies as they can within a limited time. Chain together your kills, extend your time and rack up the points. Featuring the most extreme weapon selections, The Mercenaries Reunion provides hours of new strategy induced kill sprees.
Newegg Coupons
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $19 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Cover Orange HD for iPad for 99 cents ($1 off): Puzzle game
Groove 2 for iPhone, iPod touch, and iPad for 99 cents ($1 off): Music discovery tool
Money iQ for iPhone and iPod touch (pictured) for 99 cents ($2 off): Finance management tool:LINK
Inspire Pro for iPad for 99 cents ($7 off): Painting tool
Audubon Mammals for iPhone, iPod touch, and iPad for 99 cents ($4 off): Wildlife identification tool
Notes Plus for iPad for $3.99 ($4 off): Note-taking tool
Total War Battles for iPhone, iPod touch, and iPad for $4.99 (pictured, $2 off): Real-time strategy game
iTunes Coupons
iPhone / iPad App Price Drops: Midi Studio, LostStar Tactics, more
Added on : Wednesday June 06th 2012 07:00:03 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $19 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Procedures Hospital Collection for iPhone, iPod touch, and iPad for 99 cents ($19 off): Medical teaching tool
Midi Studio for iPhone, iPod touch, and iPad for 99 cents (pictured, $7 off): Puzzle game: LINK
LostStar Tactics for iPhone and iPod touch for 99 cents ($1 off): Strategy game
Awesome Calendar for iPhone, iPod touch, and iPad for $1.99 ($1 off): Datekeeping utility
Tactical Soldier Undead Rising for iPhone, iPod touch, and iPad for $2.99 ($2 off): Turn-based strategy game
iTunes Coupons
Text
Amazon Coupons
http://www.amazon.com/Hair-Care-Rehab-Reconditioning-ebook/dp/B0...
Dry Hair. Dandruff. Split Ends. When your hair reaches rock bottom it's time for a little rehab.
While we can't permanently undo the damage of the past, Hair Care Rehab: The Ultimate Hair Repair and Reconditioning Manual will give you the blueprint and tools you need to salvage and work with your stressed out hair. Who is this book for? Everyone! Brunette, blonde, straight, wavy, curly, thick, fine-- no matter your hair situation, rehab has you covered!This book takes readers through three phases of rehab:The Intervention:
Discusses hair structure, type and form. Also defines hair damage, and teaches you how to work with overworked hair!
The Detox:
Presents a 5-Step strategy for hair repair that WORKS!
Hair Therapy:
Offers tips and solutions for 30+ common scalp and hair care issues.If your relationship with your hair is on the rocks, get the rehab you need today with Hair Care Rehab. Contents:Unit I: The Intervention
Chapter 1: Let s Start Off With What Is Not True
Chapter 2: Hair & Scalp: Just the Basics
Chapter 3: Damage Defined
Chapter 4: What s Your Drug of Choice? Unit II: The Detox
Chapter 5: Getting Damage under Control Unit III: Hair Therapy & Treatment
Chapter 6: The Hair Repair Manual
Special Topics
Alopecia (Hair Loss)
Basic Hair Breakage Burns (Appliances)
Chemical Burns
Chlorine & Pool Water Damage
Color Fading
Contact Dermatitis
Cradle Cap
Crown-Area Hair Breakage
Damaged, Highly Porous Hair
Dandruff & Dry Scalp
Dry, Brittle Hair
Eczema
Red, Itchy Scalp
Fine, Limp Hair
Frizzy Hair
Graying Hair
Green Hair
Hair Loss & Thinning
Head Lice
Heat Damage
Oily Hair
Psoriasis
Ringworm
Seborrheic Dermatitis
Shedding
Single-Strand Knots
Sluggish Hair Growth
Split Ends
Sun & Surf Damage
Tangly Hair
Thinning Hair Edges
Thin EndsUnit IV: Outpatient Therapy
Chapter 7: Special Hair Conditioning & Restoration Treatments
Chapter 8: On the Shelf!
http://www.amazon.com/Hair-Care-Rehab-Reconditioning-ebook/dp/B0...
Dry Hair. Dandruff. Split Ends. When your hair reaches rock bottom it's time for a little rehab.
While we can't permanently undo the damage of the past, Hair Care Rehab: The Ultimate Hair Repair and Reconditioning Manual will give you the blueprint and tools you need to salvage and work with your stressed out hair. Who is this book for? Everyone! Brunette, blonde, straight, wavy, curly, thick, fine-- no matter your hair situation, rehab has you covered!This book takes readers through three phases of rehab:The Intervention:
Discusses hair structure, type and form. Also defines hair damage, and teaches you how to work with overworked hair!
The Detox:
Presents a 5-Step strategy for hair repair that WORKS!
Hair Therapy:
Offers tips and solutions for 30+ common scalp and hair care issues.If your relationship with your hair is on the rocks, get the rehab you need today with Hair Care Rehab. Contents:Unit I: The Intervention
Chapter 1: Let s Start Off With What Is Not True
Chapter 2: Hair & Scalp: Just the Basics
Chapter 3: Damage Defined
Chapter 4: What s Your Drug of Choice? Unit II: The Detox
Chapter 5: Getting Damage under Control Unit III: Hair Therapy & Treatment
Chapter 6: The Hair Repair Manual
Special Topics
Alopecia (Hair Loss)
Basic Hair Breakage Burns (Appliances)
Chemical Burns
Chlorine & Pool Water Damage
Color Fading
Contact Dermatitis
Cradle Cap
Crown-Area Hair Breakage
Damaged, Highly Porous Hair
Dandruff & Dry Scalp
Dry, Brittle Hair
Eczema
Red, Itchy Scalp
Fine, Limp Hair
Frizzy Hair
Graying Hair
Green Hair
Hair Loss & Thinning
Head Lice
Heat Damage
Oily Hair
Psoriasis
Ringworm
Seborrheic Dermatitis
Shedding
Single-Strand Knots
Sluggish Hair Growth
Split Ends
Sun & Surf Damage
Tangly Hair
Thinning Hair Edges
Thin EndsUnit IV: Outpatient Therapy
Chapter 7: Special Hair Conditioning & Restoration Treatments
Chapter 8: On the Shelf!
iPhone / iPad App Price Drops: WORMS, Photo Measures, djay, more
Added on : Friday June 01st 2012 08:00:17 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $10 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
WORMS for iPhone, iPod touch, and iPad for 99 cents ($2 off): Turn-based strategy game
Worms Crazy Golf HD for iPad for 99 cents ($4 off): Cartoony golf game
Worms 2: Armageddon for iPhone, iPod touch, and iPad for 99 cents ($4 off): Turn-based strategy game
European War 3 for iPhone and iPod touch for 99 cents ($2 off): Turn-based warfare game
Photo Measures for iPad for 99 cents ($4 off): Measurement documentation tool: LINK
Maestro: Music of Death HD for iPad for $1.99 ($3 off): Hidden object game
djay for iPad for $9.99 (pictured, $10 off): Disc-jockeying tool
iTunes Coupons
iPad App Price Drops: NBA 2K12, Charadium II, more
Added on : Friday June 01st 2012 08:00:16 AM
The iTunes App Store discounts a selection of downloads of several apps for Apple iPad, as listed below. Up to $8 off. The deals: (Search for these deals in iTunes App Store)
Charadium II HD for iPad for free ($3 off): Multiplayer drawing game
World Conqueror 1945 for iPad for 99 cents ($2 off): WWII strategy game
NBA 2K12 for iPad (pictured) for $1.99 ($8 off): Basketball game: LINK
iTunes Coupons
This kindle book is free today only.

4 Steps to a Better Life - With the right motivation, anyone can lead a more fulfilling life. This book offers a means to that motivation here, in short, highly readable chapters full of inspirational and effective tools that you can start integrating into your busy schedule starting today. The Four Steps say it all: the I CAN approach of intention, clarity, action, and next steps allows for an easy-to-remember strategy that lets you set goals you can reach, take action that delivers results, and much more. Don't put your dreams and goals off any longer!
Where to aggressively invest nonretirement money
Added on : Wednesday May 30th 2012 07:00:47 AM
Hi,
I'm a 32M in a long term relationship where kids are not an issue (within this relationship at least). I have a solid 70K job that is highly stable both in yearly income and security. I'm currently maxing out my 403B and my roth ira, and slowly accumulating some extra cash. Most of it is in a reward checking that is now down to 2%, and the rest is just sitting in a savings for about 1%. I have about 40K liquid now, which is really too much considering my job security, frugality, and my ability to quickly generate a lot more money by shutting down my 403b if necessary. I'm trying to figure out what to do with a large chunk of this extra money, which I consider long term savings. I am willing to take an aggressive but not crazy approach with my money...if my investments are down 20% in 1 year or 5% in 5 years it wouldn't be the end of the world. Options I'm thinking of...1. Can always use to start paying down my mortgage at 4.25%. But that doesn't seem like a good long term strategy.2. Invest in the stock market. My retirement money is in vanilla low cost 90% stock like total market stuff. Do the same with this money, I'd be paying taxes on each year?3. Invest in person to person lending.4. I bonds 5. just be less frugal and upgrade my 15 yr. old car, make repairs/improvements to house, etc. 6. ??
Validating my CC strategy
Added on : Monday May 28th 2012 05:00:46 AM
I'm just about to complete my refinance and once that funds, it's time for me to change credit cards. My eyes were opened to just how bad my first credit card in this country was.I've already researched this to the point where there's no way I'll net a profit on my time but I'm kind of a nerd about these things. I basically want to validate my strategy or hear "You fool! You haven't considered X" . Silence will work too.Current cards:1. Visa from a generic credit union:
* Almost 1% rewards points (so long as I redeem Best Buy gift cards -- anything else and it's worse)
* $5000 limit
* $25 / yr fee
* Charges for autopayment-in-full (!), but since it was at my primary bank it was tolerable to just click a pay-in-full button once a month.
* A bit over 3 years old
* "Upgraded" from a starter card something I had for a year before. Interestingly that starter card still shows up on my Experian credit report as a separate open credit card with a $5 limit, no activity since the newer one was created, and no sunset date. CreditKarma and CreditSesame don't show it.
* Got this originally because nobody else would give me a decent credit limit when I was new to the country (amusing when I had huge limits as a no-income student back home, and this was all before the credit crisis).I feel like I can do better, so I want to either close this, or possibly "downgrade" to their no fee / no rewards card and toss it in a closet to preserve AAoA. Not taking action until I hit my next gift card redemption in about a month and a half of additional utility bill payments.2. Fidelity AMEX
* Just opened 2 months ago (applied during refinance -- wasn't a problem, but I know better now).
* $7500 limit.
* I have a fidelity account anyway, which has stock dividends dumping into the same account, so the automatic CashBack is lumping with cash that I'm already generating and monitoring anyway.This is my new primary card. However, AMEX simply isn't accepted widely enough.Relevant details about me:- Pay in full every month.
- I don't pay for gas .
- Grocery spend is not high enough to justify blue cash preferred.
- Single-person household (unlikely to change in the foreseeable future), income is low 6 figures.
- Travel to Canada on week-or-more vacations a couple times per year. Occasionally other further international travel (probably next year). No significant within-US travel.
- Fico was "excellent" according to refinance, but specific numbers unknown. Definitely no derogatory/collections/lates; have mortgage, no other loans.
- "Fako" from creditkarma gives 756, creditsesame 778, quizzle 736.
- Refinance gave one inquiry per bureau. That's all TU & Eq see.
- Ex sees 3 more: recent fidelity AMEX, CLI on the Visa last September (shouldn't have done that in retrospect), one from Jan 2011 from switching to Frontier FiOS.
- About $400 of recurring bills don't take AMEX (including Frontier...grr...), so at minimum I need a good Visa or Mastercard to replace my credit union card.
- Not a US citizen / PR, so no Sallie-Mae or similar.
- Strongly prefer automatic pay-in-full.Cards considered:Fidelity Visa
+ I like the corresponding AMEX.
+ 1.5% (never going to put $15000 on this to get to the 2% tier when I could just put it on the AMEX).
- Worried they'll want to pull credit limit off of the AMEX to service the Visa or something (I just got it a couple months ago, so if they were willing to give me a higher total CL, wouldn't they have done so already?).Capital One Cash Rewards - $100 CashBack
+ Easy $100.
+ 1.5% (well, almost).
+ 0% forex for when I'm abroad.
- I hear they are stingy with credit limit and generous with inquiries.
- There seems to be some general negativity on credit card forums about Capital One, even though this looks pretty awesome to me on paper.Chase Freedom
+ Easy $100.
+ 5% categories.
- I've seen them do much higher CashBack. I bit my tongue and resisted applying for $300 during the refinance process. I guess I suspect this might come back?
- I hear they like to close dormant accounts, and I'd expect this to be dormant during quarters where I don't care for the 5% rewards.Discover More
+ 5% categories.
- Basically worthless outside the categories (which is also a dormancy threat).
- Seems strictly worse in basically every respect than Chase, except the categories are different.
- Discover. It's one thing to tolerate low acceptance from an AMEX 2% CashBack card that I can use at Costco... Citi Dividend
+ Easy $150.
+ 5% categories.
- Can't predict the categories like with others. Current category seems crappy for me. But last quarter had utilities which seems amazing.
- Points expire after 12 months dormancy. Though that seems to imply I can use it once per year rather than the once per six months dormancy guidance.Citi Forward
+ Easy "$100" in points.
+ 5% at Amazon / other bookstores / movies / restaurants. My spend isn't huge here but it definitely happens over the year (more guaranteed than the category spending).
- ThankYou points rather than true CashBack. Not nearly as fungible.
- Wouldn't even consider it but 5% on things I know I spend money on is definitely tempting, and I can always find a way to spend gift card redemption at Amazon (yeah I'd lose the extra 5% on that 5% that way ).Blue Cash Everyday
+ 3% on groceries.
+ $100 CashBack -- requires $1000 and it's an AMEX, so not as easy to redeem as the $500 Visa/MC. I'll have to let it replace my Fidelity AMEX for almost $1000 @ 1%, so it nets about $90 CashBack really.
- Already have an AMEX (though not a "true" AMEX) that I would use for anything other than groceries. Not solving anything, just getting marginally better grocery rewards.Plan of action:* First, wait for July. I expect to hit my last redemption tier on my credit union visa in mid-July, so by applying in July I'll have the cards ready to take over those bills. This also gives 90 days since my last hard pull.
* Apply first for Capital One Cash Rewards Mastercard. Fills the void from my credit union Visa, and is the best card for when I'm abroad.
* Apply for AMEX Blue Cash Everyday, same day. Although not solving the problem I set out to solve, it seems like a low but reliable net win if I get it too. Want to get the Cap1 MC first though to be sure I get it, even if Capital One is less likely to deny me.
* Keep an eye out for Chase Freedom (or anybody) offering the big CashBack rewards for new customers promotions, and snap at it if it does.
* Otherwise, let my credit age for a while and re-evaluate next year, March or so. If all else stays basically the same, maybe get a Citi Forward for its rewards, and/or a rotating category card for its CashBack.
Today only, MacUpdate offers downloads of Aspyr Media's Company of Heroes Complete: Campaign Edition for Mac for $19.99. It's a real-time strategy game.
LINK
Free Disciples II: Gold Edition game download
Added on : Thursday May 24th 2012 06:13:59 PM
Text
iPhone / iPad App Price Drops: Animoog, WeatherPro, Caylus, more
Added on : Wednesday May 23rd 2012 09:15:38 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $9 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Gesundheit! for iPhone and iPod touch for 99 cents ($1 off): Puzzle game
Animoog for iPhone and iPod touch for 99 cents ($9 off): Music synthesizer
Walkmeter GPS Walking Stopwatch for iPhone and iPod touch for 99 cents ($2 off): Distance tracking tool
FileApp Pro for iPhone, iPod touch, and iPad for 99 cents ($4 off): File and document manager
Eve of the Genesis for iPhone and iPod touch for 99 cents ($8 off): Role-playing game
WeatherPro for iPhone and iPod touch for $1.99 (pictured, $2 off): Weather tracking tool: LINK
Caylus for iPhone, iPod touch, and iPad for $2.99 ($2 off): Strategy gameiTunes Coupons
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $9 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
TextGrabber + Translator for iPhone and iPod touch for 99 cents ($9 off): Translation assistant
PhotoForge2 for iPhone, iPod touch, and iPad for 99 cents ($2 off): Photo editing tool
C.H.A.O.S HD for iPhone, iPod touch, and iPad for 99 cents ($4 off): Helicopter combat game: LINK
Bills ~ On your table for iPhone and iPod touch for $1.99 ($2 off): Finance management software
NotifyMe for iPhone and iPod touch for $1.99 ($2 off): Reminder generation tool
Theodolite Pro for iPhone and iPod touch for $1.99 ($2 off): Augmented reality flight data
Call of Cthulhu: The Wasted Land for iPhone, iPod touch, and iPad for $2.99 ($2 off): Strategy gameiTunes Coupons
I have been debating a couple of issues and believed that I have come to a rational conclusion but would welcome
your input.Background info: I have a portfolio that has been managed by an investment advisor for 1.25% fee which has underperformed the market for years. However I was lucky enough to have invested some of this money when the market tanked in 2007 so I have a low cost basis. The portfolio is made up of 70% mostly domestic stocks and 30% individual bonds.I have talked to several candidates for advisors and all of them track the S&P500. None of them outperform the S&P500 by more than a point over the long-term (most try to match the S&P500) and they all charge about 1% to 1.5%.1) My plan is to remove the advisor and put the funds in a Schwab or equivalent account (saving the 1.25% mgmt fee) and put the equity portion of the money into an S&P 500 ETF (I would pay approx .2% for this ETF (not sure if this fee is annual or one-time)). I would hold the individual bonds. 2) I have approx $150k in L.T. Gains in this portfolio and I will not need this money for decades. My thought is that I should sell my positions now while the market is down approx 8% from the recent high and lock in the 15% capital gains rate as I believe the tax rate will be higher in the future. Then, per discussion above, invest in S&P500 ETF.I don't believe that I am smarter than the market and suspect there are a few flaws in my thinking that I haven't identified.Please help me by (politely ) shooting wholes in my thought process.What am I missing?Thank you in advance for helping me see the light...
GOG - Alpha Centauri etc. - 50% off ($2.99) this weekend
Added on : Friday May 18th 2012 09:35:21 AM
Link
Alpha Centauri is a great game and well worth $3 if you're into turn-based strategy games and don't mind 10-year-old graphics.
Father taking big risks with retirement savings- what to do?
Added on : Wednesday May 16th 2012 06:10:03 PM
Disclaimer: I have been a long-time member of Fatwallet, but for personal reasons I didn't want to associate this post with my regular name.Here's the deal. I have a family/financial issue that I am not sure how to deal with, and I thought it would be best to bring to you all, my most financially-saavy friends. Short story: I feel that my father is gambling my parent's retirement savings on a few very risky stocks. He is quite stubborn and is not the type to take advice from anyone. He had a string of good luck with his stock-picking in the past, which is likely why he feels that he will be able to beat the averages. He is a good father, but this has been driving me nuts. He has a background in accounting, which makes it even harder to believe that he is taking these kind of risks.Long story: In 2008 my father correctly timed the market bottom by a few months. He moved ALL of his/my mother's retirement savings from diversified mutual funds into individual stocks. The number of stocks that he is in at one time varies from 5 to 10, though usually it is heavily weighted towards two or three. His investment strategy was one of picking stocks that had been beaten down by the market.For a while, this strategy worked REALLY well. From his initial starting point, the money had quadrupled by mid-2010. I believe he came to view himself as an expert capable of strategically selecting stocks at this time. Since then, it has been on a downhill slide and today stands at a number just greater than his initial starting point.I have spoken to my dad about diversifying on a number of occasions, but my dad seems pretty convinced that he can do better than the market. If the money was only my father's I would have no problems letting him do his own thing with it. That is not the case, however, as my mother is nine years his senior. My mom is an amazing person, but her financial savvy is limited to things like getting deals on groceries, etc. I do not believe she fully understands the risks of her portfolio, and she does not want to get involved with what she views as my father's territory.My father is now retired at age 63 while my mother is still working at age 54. My parents live a middle-class lifestyle and could be perfectly happy without a ton of money. It seems like there is very limited upside happiness-wise if the stocks do well, but there could be a lot of pain and suffering if they do not. Has anyone here ever dealt with a similar situation? Is this any of my business to begin with? Thanks in advance for your help with this.ConcernedSon
4/5 eggs rated with 59 reviews.Link $199.99 List Price
-$40.00 Instant
-$40.00 Promo Code: EMCYTZT1602 (expires midnight 5/16)
-$20.00 Mail in Rebate
___________________
$99.99 Final
Powered by the latest SandForce SF-2281 processor, the Patriot Memory Pyro line will continue to expand on what's expected out of performance level SSDs. To meet the demanding needs of the power users and prosumer markets, the Patriot Memory Pyro will deliver blazing fast 500MB+ read and write speeds for the best in class performance.The Patriot Memory Pyro utilizes a fast SATA III 6.0 Gb/s connection interface to reach its maximum performance without bottlenecks while still maintaining backwards compatibility with existing SATA II interfaces. Technologies like TRIM, DuraClass, and DuraWrite are included in the Patriot Memory Pyro Series to bring a full featured SSD to the performance class market.With a very aggressive pricing strategy, Patriot memory has positioned the Pyro series SSD to offer one of the best price per performance ratios on the market. Backed by Patriot Memory's award winning build quality and 3-year warranty; the Patriot Memory Pyro series will deliver one of the most reliable choices in performance class SSDs.Newegg Coupons
Visiting a North Korea (summer 2013)
Added on : Tuesday May 15th 2012 03:00:03 PM
I am planning a visit to North Korea next summer, while travelling to Beijing and east Asia. I am a dual citizen (Russian and American, now living & working in the USA). I imagines the Russians have a better [lingering] reputation than the Americans, thus likely have more options available in travelling to N.Korea, such as the ability to take the train, whereas the Americans can only fly over. Please advise on what is the best strategy for me to visit the country.ThanksLooks like this topic is appropriate for travel forum, however I am posting it here since it involves legal/political/and financial implications.
Free Kindle Book - Case Interview Secrets; 2 Days only
Added on : Tuesday May 15th 2012 06:30:57 AM
Free kindle book. Normally $20. This is for students preparing for management consulting industry. AmazonIn Case Interview Secrets, you'll discover step-by-step instructions on how to dominate what many consider to be the most complex, most difficult, and most intimidating corporate job interview in the worldthe infamous case interview. Victor Cheng, a former McKinsey management consultant, reveals his proven, insider's method for acing the case interview. Having personally secured job offers from McKinsey, Bain & Company, Monitor, L.E.K, Oliver Wyman, and A.T. Kearney, he has also been a McKinsey case interviewerproviding you with a hands-on, real-world perspective on what it really takes to land job offers.Chengs protges work in all the major strategy management consulting firms, including McKinsey, The Boston Consulting Group, Bain & Company, Monitor Company, A.T. Kearny, Oliver Wyman, L.E.K, Roland Berger, Accenture, and Deloitte, as well as in the strategic planning departments of numerous Fortune 500 companies. Whether youre an undergraduate, MBA, PhD, or experienced-hire applicant candidate, youll discover:* What case interviewers really say about you behind closed doors but wouldnt dare tell youuntil now
* The subtle yet specific performance differences that separate those who get management consulting offers from those who dont
* The 10 biggest mistakes candidates make in case interviews (and how to avoid them)
* The 3 specific things interviewers expect in the first 5 minutes of a case that often decide the outcome on the spot
* An insiders take on what interviewers really look for and whyand how to give them what they wantAmazon Coupons
Visiting a North Korea
Added on : Monday May 14th 2012 09:00:17 PM
I am planning to visit North Korea next summer, while travelling to Beijing. I am a dual citizen (Russian and American, now living & working in the USA). I imagines the Russians have a better [lingering] reputation than the Americans and likely have more options available in travelling to N.Korea, such as the ability to take the train, whereas the Americans can only fly over. Please advise what is the best strategy for me to visit the country.Thankslooks like this topic is appropriate for travel forum, however I am posting it here since it involves legal/political/and financial implications.
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $14 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Flight Unlimited for iPhone or iPad for 99 cents ($2 off): Flight sim
The Monster at the End of This Book...starring Grover! for iPhone, iPod touch, and iPad for 99 cents ($3 off): Children's learning tool
Roads of Rome for iPhone and iPod touch for 99 cents ($2 off): Simulation game
AcePlayer for iPhone, iPod touch, and iPad for 99 cents ($2 off): Media player
Lume for iPhone, iPod touch, and iPad for 99 cents ($1 off): Puzzle game
Zuma's Revenge! HD for iPhone, iPod touch, and iPad for $1.99 (pictured, $3 off): Strategy game: LINKiTunes Coupons
Is buying miles to complete a trip an economical choice?
Added on : Wednesday May 09th 2012 12:00:08 AM
I am about 6200 miles short of getting (2) RT tickets to fly my wife to see her family in San Fran. and I'll still have to pay full price for my child to go along. To purchase this amount of miles would be ~$160, and though I could charge $6000 on the card to get the miles for free, I suspect even with huge CC payments, I'd probably pay most of the savings back in CC interest. Am I overlooking some other strategy? I've never paid for a flight with miles, so forgive my noobness. Many thanks..
Gears of War 3 Strategy Guide $2.45 Amazon
Added on : Saturday May 05th 2012 12:11:38 PM
http://www.amazon.com/Gears-Signature-Series-Guide-Bradygames/dp...Amazon Coupons
Save $79 on this combo (Expires 5/31/12). Nice for an upgrade to a BD-R/BD-RE + Top notch movie editing software. I've used Sony Vegas for years and it's one of the best on the market.Combo LinkIncludes:
* LITE-ON Black 12X Blu-ray Burner with Blu Ray 3D Feature SATA IHBS112-04 - OEM (4/5 eggs w/ 84 Reviews)
* Sony Vegas Movie Studio HD Platinum 11 - System Builder - OEM (5/5 eggs w/ 4 reviews)
FAST 12XBLU-RAY DISC BURNER
The Lite-on IHBS112-04 Blu-Ray Writer is capable of writing up to 50GB of data or up to nine hours of High-Definition video on a write-once BD-R disc or a rewritable BD-RE disc. The next-generation Blu-ray drive provides a perfect solution for high volume data backup and HD video recording.SMART-BURN & SMART-X TECHNOLOGY
The Lite-on IHBS112-04 Blu-Ray Writer is equipped with advanced SMART-BURN technology to avoid Buffer UnderRun errors and automatically adjust writing strategy and running OPC for the best burning quality. SMART-X reduces acoustic noise and anti-vibration providing the best playback quality.SATA INTERFACE
The Lite-on IHBS112-04 Blu-Ray Writer features SATA interface to provide more stable and speedy data transfer for faster and smoother read and write performance. Its short loader design allows for better airflow and is well-suited for todays mini desktop PC.STEREOSCOPIC 3D EDITING
Create stereoscopic 3D projects as easy as 2D projects, with no additional tools needed. In addition to consumer level delivery formats, Vegas Movie Studio HD Platinum 11 can preview and deliver an anaglyphic project providing customers, without an expensive 3D monitor, the ability to create a 3D project with only a pair of inexpensive red/cyan glasses.TITLES & TEXT PLUG-IN
Spice up your text events with animations and interesting effects. The Titles and Text plug-in incorporates some of the options of the Pro Type Titler (Vegas Pro), but has an intuitive and easy-to-use interface.TRANSPORT CONTROLS FOR TRIMMER AND VIDEO PREVIEW
Transport Controls provide more intuitive and immediate command over editing, as well as improve the overall workflow, productivity and editing experience.RENDER, PROJECT, AND MAKE MOVIE DIALOGS
These new and improved dialog boxes make it easier for users of any skill level to create new projects, export completed projects, or burn existing projects to a DVD or Blu-Ray Disc.ENHANCE AND STABILIZE
Choose from hundreds of professional 2D and 3D video effects, titles and filters. Automated and advanced color-correction tools enhance washed-out footage. Quickly salvage shaky media with video stabilization.DEVICE EXPLORER
Use the new Device Explorer window to quickly browse the contents of AVCHD, hard disc and Memory Stick devices. Quickly view media on the device and import the files into the software, maximizing workflow speed by only importing the files needed without conversion.Newegg Coupons
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $5 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Photo Manager Pro for iPhone, iPod touch, and iPad for 99 cents ($2 off): Photo management tool
Danger Alliance: Battles for iPhone, iPod touch, and iPad for 99 cents ($2 off): Turn-based strategy game
Money for iPhone for iPhone and iPod touch for 99 cents ($1 off): Finance management tool
Worms Crazy Golf for iPhone or iPod touch for $2.99 (pictured, $2 off): Third-person shooter: LINK
The 7th Guest for iPhone, iPod touch, and iPad for $2.99 ($2 off): Mystery game
Galaxy on Fire 2 HD for iPhone, iPod touch, and iPad for $4.99 ($5 off): Space combat gameiTunes Coupons
Veterans of FW probably take advantage of tons of 50k+ point signing bonuses.However, college and graduate students might not yet have a solid enough credit history to easily get approved for these high-end 50k+ point credit cards. How do college students build credit? Here's the only three credit cards with a signing bonus that I could find:1) Citi Forward: 10k ThankYou point signing bonus. This is as big as a student signing bonus tends to get. Afterwards, you'll get 5% ThankYou points on restaurants, bookstores (includes Amazon), and movies. For every month that you pay on time, you'll get another 100 points. So be sure to charge at least one transaction to this card each month! This is a great card for continuous rewards earn. Best ways to use Thank You points. You can buy gift cards, but since getting checks for student loans will get you 1c/point, this is preferable. Best yet is to send your points to someone with a ThankYou premier, who can get 1.33 cents per point in value back.2) Chase+1: each point is worth $1 of gift cards. 25 point signing bonus after first purchase and after taking a quiz. Then 2 points a month for paying your bill on time, and 8 points per half year of paying your bill on time. I don't see any percentage CashBack on this card, but you'd definitely want to make at least 1 transaction so you have a bill to pay off, and so you can earn some points. Points are redeemable easily: 5 points for a $5 Best Buy or Target gift card.3) Discover More for Students: $25 signing bonus right now. 5% quarterly rotating calendar, and a pretty good 5%+ online shopping portal (Shop Discover). Regular CashBack is only 0.25% for the first 3k spent, then increases to 1%. CashBack value can be increased by buying gift cards (e.g. you can use $20 of CashBack to buy a $25 gift card from stores such as Staples). Note that there is an opportunity cost of applying for this card. The regular Discover More has given signing bonuses as large as $150, and since you can only have one Discover More, you'd be forfeiting any such potential opportunities.I feel that as a responsible college student, the strategy is to grab a couple of these cards (which incidentally are the only ones that I could find with signing bonuses). While the bonuses are small relative to what other FWF users are getting, the important thing is to build your credit by paying on time. After college, your credit will definitely be good enough for more mid-tier no-fee cards (Chase Freedom, Citi Dividend) etc, and possibly higher end cards with large signing bonuses that have waived 1st year annual fees.
Help me find the best strategy to pay my credit card
Added on : Thursday April 26th 2012 06:06:57 AM
HiI have $1490 and I am planning to pay my credit card's because right now I have almost all my cc above 90% of credit utilization, but I want to distribute the amount wisely among all my credit cards. Here is the best scenario of possible payments, my goal is to lower my overall credit utilization because that would increase my credit score (hopefully) and I would like to increase my credit line in the near future. My max credit line is $1400. I have a few store credit cards but I am not interested in increasing those but my non-store credit cards. Please advise if this would be good or not. According to creditkarma I am using 62% of my total credit pool and with this possible scenario I would be decreasing it to 40%. The main question is..which debt should I target first? Pay the max one(1400)? or the other ones? Please adviceCredit CardTotal CreditActual DebtPaymentRemaining BalanceAPR%StoreCard1300 217217019StoreCard2250 191191024CreditCard1300 280280020CreditCard21400 1400100130023%CreditCard3750 75065010018%StoreCard3500 430043020StoreCard42000 13950890I am attaching an image of the above scenario, to make it clearer.
STEAM LINKWarhammer 40,000: Space Marine
List Price: $29.99
Sale Price: $10.19Warhammer 40,000: Space Marine - Prima Official Strategy Guide - $6.79
Free Kindle Book - Encyclopedia of Operations Management
Added on : Monday April 23rd 2012 03:24:15 AM
http://www.amazon.com/Encyclopedia-Operations-Management-Glossar...
This is the perfect "field manual" for every supply chain or operations management practitioner and student. The field's only single-volume reference, it's uniquely convenient and uniquely affordable. With nearly 1,500 well-organized definitions, it can help students quickly map all areas of operations and supply chain management, and prepare for case discussions, exams, and job interviews. For instructors, it serves as an invaluable desk reference and teaching aid that goes far beyond typical dictionaries. For working managers, it offers a shared language, with insights for improving any process and supporting any training program.

It thoroughly covers: accounting, customer service, distribution, e-business, economics, finance, forecasting, human resources, industrial engineering, industrial relations, inventory management, healthcare management, Lean Sigma/Six Sigma, lean thinking, logistics, maintenance engineering, management information systems, marketing/sales, new product development, operations research, organizational behavior/management, personal time management, production planning and control, purchasing, reliability engineering, quality management, service management, simulation, statistics, strategic management, systems engineering, supply and supply chain management, theory of constraints, transportation, and warehousing. Multiple figures, graphs, equations, Excel formulas, VBA scripts, and references support both learning and application.

"... this work should be useful as a desk reference for operations management faculty and practitioners, and it would be highly valuable for undergraduates learning the basic concepts and terminology of the field."
Reprinted with permission from CHOICE http://www.cro2.org, copyright by the American Library Association.
From the Back Cover
The Most Complete, Up-to-Date, Single-Volume Reference to Modern Operations and Supply Chain Management
This field manual is ideal for every manager and student who needs a deeper understanding of supply chain and operations management. It is also ideal for people in lean and Lean Sigma training programs who need to develop a more precise language for their process improvement efforts. The fields most comprehensive reference, its both uniquely convenient and exceptionally affordable.

Leading expert Arthur V. Hill covers the entire field, offering nearly 1800 authoritative entries. Of these, more than one-third are new to this edition, and nearly another one-third have been completely rewritten. Packed with photos, figures, graphs, tables, examples, references, Excel formulas, and VBA scripts, The Encyclopedia of Operations Management is designed and organized for constant use. Students can use it to prepare for case discussions, exams, and job interviews and to quickly develop a mental map for the entire discipline. For instructors, it serves as an invaluable desk reference and teaching aid. Working managers can use it as a comprehensive training reference for both lean and Lean Sigma programs.

This books comprehensive coverage includes:
Accounting
Customer service
Distribution
e-business
Economics/finance
Forecasting
Healthcare management
Human resources management
Industrial engineering
Industrial relations
Inventory management
Lean Sigma (Six Sigma)
Lean thinking
Logistics
Maintenance
Management information systems
Manufacturing management
Marketing/sales
New product development
Operations research
Operations strategy
Organizational behavior/management
Personal time management
Production planning and control
Purchasing/supply management
Quality management
Reliability engineering
Service management
Simulation
Sourcing
Statistics
Supply chain management
Systems engineering
Theory of Constraints
Transportation
WarehousingAmazon Coupons
Kingdom Elemental GAME GIVEAWAY DOWNLOAD 4/22 only ($20 value)
Added on : Sunday April 22nd 2012 06:20:33 AM
http://game.giveawayoftheday.com/kingdom-elemental/Kingdom Elemental takes core game play elements from real-time strategy, tactics, and role-playing games and combines them into a game that is painfully easy to pick up and play without committing your entire life, unless you have no life in which case you may not find Kingdom Elemental to be an adequate substitute.Kingdom Elemental features nigh unlimited number of possible tactics by pitting combinations of your upgradeable heroes and their unique abilities against hordes of unique enemies like GIANT RAT MOBS! Everyone loves giant rat mobs with their secret furry pockets full of gold and armor! Seriously no giant rat mobs, but thARR be Pirates! Giant War Pigs! A crypt full of living dead who are just begging to be killed again.Knights who no longer say Ni!, a Flaming DOOM bear who would like nothing more then to BBQ you for lunch, and so much more! The demo is free to check out so you have nothing to lose except maybe your soul. In short Kingdom Elemental Tactics is like a whack to the head with a +8 Sword of Awesomeness!
Bay Area or Austin, Tx? Which city should I choose?
Added on : Sunday April 22nd 2012 06:09:09 AM
I'm currently living abroad. Not doing much of anything except exercise, sleep, write and determine the best strategy to retire early. I discover that I need to get a job in 6 months to a year. I've decided not to buy my buddy's restaurant.I'm thinking of finding work in Austin, TX or the Bay Area. Certainly, it would be easier for me to find work in the Bay Area and the pay would be greater. Conversely, taxes, etc. are ridiculously high there. As for Austin, it's like Portland, Or in TX. Love the city (not the state). They have wineries in Fredrickburg (dunno if it's any good, though), food carts, great look liberal gals (sadly, I'm married), and a good cycling and climbing culture. I'd like to stay put for 3-5 years. I don't have much to spend on a house, maybe 100-180K. I know in Vallejo, you can get a 3/2 house for <150K. Of course, that area's population is entrenched with mostly section 8 housing. I don't know too much about Austin RE. So, what I'm asking is for those of you in the 2 cities to speak up about your likes and dislikes about your city. And perhaps provide some insight on why (if you moved to/away Austin/Bay Area) you are where you are.I'm in the Healthcare Finance/Analytics field.
http://www.amazon.com/dp/0744013488Amazon Coupons
Buying Home - On the Market for 2 Years: Offer Strategy
Added on : Thursday April 19th 2012 09:11:14 PM
FW vet but switching usernames to post this.Interested in purchasing a TH that has been on the market for 2 years. Its brand new from the builder - nobody has lived in it. Its almost complete - countertops, cabinets, flooring, etc already done. Just painting and minor electrical work left.The listing is at $430K (just went down from $440K). The last 3 similar TH sold for $420, $405, $395 - all in the past 2-3 years.I put an offer of $400K WITH a finished basement. I figured that the time on market + comparable + the fact that the builder will be building another 2 TH soon will allow me to lowball a bit.They countered with $422 WITHOUT a finished basement. They wrote that "the Seller does not finish basements".What do you guys suggest our next step be? I'm thinking $400K without a finished basement but with some upgrades? Problem is, aside from installed ceiling fans, I'm not sure what can be upgraded. The entire house is hardwood and the kitchen is virtually done. Thoughts?
Asset Allocation - RE vs. other
Added on : Wednesday April 18th 2012 09:14:01 PM
I'm interested in learning more about asset allocation strategies that combine traditional financial products (stocks, bonds, etc.) with a portfolio of actual investment properties (not REITs). It seems that most people tend to favor one type of investing over, driving a wedge between the two. I'm familiar with groups like bogleheads, which are great for asset allocation of traditional investment portfolios. I also frequent Sis's investment property thread on FWF, which is excellent! What I can't seem to find is a community of people that aim to bridge the gap. I'm hoping that some of you guys know of books, forums, etc. that promote this type of asset allocation strategy. For example, an asset allocation that I'd be interested in might look like:50% Traditional Financial Investments (i.e. 25% bonds, 25% total stock market, 25% international, 25% TIPS)
50% Hard Real Estate Investments (i.e. 25% SFR, 25% multi-unit, 25% short term rental, 25% commercial)I assume that there are investors, even within FWF, that pursue this type of strategy. I currently practice a very unscientific approach to this, investing somewhat randomly in each. I would love learning more on allocation suggestion, re-balancing, age-based strategies etc.Thanks!
gt;gt; Free account to do paper trading of stocks
Added on : Tuesday April 17th 2012 09:07:59 AM
I have build a personal trading strategy that I tested using back-testing. Now I want to simulate it with real stock prices. Can someone tell me where I can get a free paper trading account that offers 'almost' real prices (delayed is OK). I want to use it to test my hypothesis.
iPhone/iPod version here
iPad HD version hereNew iPhone game sale! Blokus is now FREE for a limited time!
The award-winning hit board game from Mattel arrives on the App Store! You liked UNO? You are going to LOVE Blokus!Blokus is fantastic in digital form, with plenty of single-player and multiplayer content to keep you occupied. SlidetoPlay (4/4)Rules are simple!
The winning strategy: Block your opponents so they cannot add anymore blocks on the board!
Blokus is a strategy game that will captivate you and get into your mind.
4 GAMES IN ONE
Each game variation requires a totally different strategy:
4 players control one color each
2 players control two colors each
4 players play in teams
Blokus Duo: There are only 2 colors, the board is smaller and the start position is in the middle of the board.MULTIPLAYER MODE
Compete in any of these game variations through:
- Local Multiplayer via Bluetooth and Wi-Fi
- Online Multiplayer via 3G connection
Compare your scores on leader boards on Gameloft LIVE!CAREER MODE
Try to win different cups from Discovery to Legend.CUSTOMIZATION FEATURES
You can set the difficulty level and the time limit for each move, making each game a new experience.A COLOR BLIND MODE
Icons added on the pieces allow color blind people to play.
BLOKUS and associated trademarks and trade dress are owned by, and used under license from, Mattel, Inc. 2010 Mattel, Inc. All Rights Reserved. BLOKUS is based on the original concept by Bernard Tavitian. 2010 Gameloft. All rights reserved. Gameloft and the Gameloft logo are trademarks of Gameloft in the US and/or other countries.
Buying a second home and renting out the first
Added on : Monday April 09th 2012 03:17:41 PM
I apologize for any redundancies here vs. other posts, but some other relevant posts look a bit dated. And, I apologize for the long post, but I really need some advice before I move forward with any more lenders/brokers etc. Looking for specialists advice from professionals, or from recent experiences. Here's the deal:After years of trying to re-fi our condo, we have finally done so through Harp 2.0. Condo fee aside, our new monthly mortgage payment (all-in including taxes, PMI etc) is roughly $1350 per month. We are so far "under water" on the condo (about 35-40%) that selling it was just not an option (trying everything besides short sale, foreclosure etc). We refinanced the condo to get the payment as low as possible to consider renting it out so we can buy a house to live in (i.e. the new house will be our primary residence and rent the condo). A few facts, if needed:1. We know from other rentals in the building that we can get ~$1200 in rent so that leaves us with a reasonable $150 "hit" per month
2. Our credit scores are in the high 700s to low 800s; and all things considered, our other monthly bills are pretty low (no credit card debt at all)
3. We have ~$50,000 to put towards our new home; Also, please note that this $50K is separate from our retirement accounts, daughters college account, and additional savings of approx. $25,000 cash (can easily cover the "6 month rent reserve"); we make ~$160,000 a year (joint)So, you probably know my questions now... I have done some research, and here are my questions. Please let me know any other info that I may be missing. To buy a house and rent the condo:1. FHA route: since the new house is going to be our primary, we can use FHA w/3.5-5% down, but we need to be able to cover both mortgage payments each month, correct? Let's just say, that if we were to rent an apartment for two years, while renting out our condo, would FHA now consider any of the condo rent as "income" (or at least help us on the issue of covering both mortgages)?2. Non-FHA route: I hear many lenders will consider around 75% of rent, but do I absolutely need 20% down to go this route? Would renting an apartment for 2 yrs like the FHA example above help us out.Trust me, I know we could stick in the condo and save for a couple of years, but we are so under water and we need out of the condo soon for a few reasons, but we are willing to make it part of our long-term strategy. So we're just trying to consider all options! Thanks.
iPhone / iPad App Price Drops: Weather 2x, BombSwitcher, more
Added on : Wednesday April 04th 2012 12:25:10 PM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below.The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Super iLLusions HD for iPhone, iPod touch, and iPad for 99 cents ($1 off): Illusion database
StoryShelf for iPhone and iPod touch for 99 cents ($1 off): Storyreading tool
BombSwitcher for iPhone, iPod touch, and iPad for 99 cents ($1 off): Puzzle strategy game: LINK
Weather 2x for iPhone, iPod touch, and iPad for 99 cents ($1 off): Weather-tracking tooliTunes Coupons
http://www.amazon.com/Strategy-Power-Infinite-Success-ebook/dp/B...Amazon Coupons
Bulletstorm (PC Download) - 75% Off - $4.99 @ Steam
Added on : Sunday April 01st 2012 03:19:39 AM
STEAM LINKBulletstorm
List: $19.99
Sale: $4.99Additional items 75% Off"
Bulletstorm Prima Official Strategy Guide $2.49
Bulletstorm + Prima Official Strategy Guide $6.25*82/100 metascore
Overall travel strategy advice on points
Added on : Sunday March 25th 2012 03:00:10 AM
Travel deal strategy primer - need help
Hi all,I've just started doing serious traveling, and am looking for the best resources to teach me how to get the most for my points.What I have so far:Chase Sapphire Card - picked this up last year for the 50,000 point bonus. Will be expiring soon (August), though unless I pay the annual fee. Combined with my old chase card, I have somewhere around 100,000 "points". These points normally convert at 1% (or $1000 worth of account credit). The best non-travel deals I've seen with these points are for about 20% off gift cards or up to 30-40% off electronics during crazy holiday sales, so they are worth at least $1200.I've looked at booking flights through the ultimate rewards program, but it looks like I only get a 20% bonus on the points.Other airline miles: The only program I believe that I have a good amount of miles on is the combined OnePass / MileagePlus, where I have around 21,000 miles. I'm guessing that I probably have a few scattered 3k-5k miles on airlines that I fly less often as well.Suggestions on how to start investigating the best way to use these points?The main flights I'm looking for at this point are:
DC -> Rio
DC -> ThailandOf course, if I can get more for my money with my points on domestic travel, or even non-travel related things, then it might make sense to just do that.I'm going to continue reading through the forums here and various sites, but it's a bit overwhelming.
iPhone / iPad App Price Drops: CodeRunner, Rune Raiders, more
Added on : Tuesday March 20th 2012 03:33:37 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $4 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
CodeRunner for iPhone and iPod touch for 99 cents (pictured, $1 off): Augmented reality game: LINK
RushPlayer for iPhone, iPod touch, and iPad for 99 cents ($2 off): Video playback tool
Pro Filter for iPhone and iPod touch for 99 cents ($3 off): Photo editing tool
Rune Raiders for iPhone, iPod touch, and iPad for 99 cents ($1 off): Strategy game list
Splashtop Remote Desktop for iPhone and iPod touch for 99 cents ($1 off): Remote access tooliTunes Coupons
Bank owned REO: advice
Added on : Wednesday March 14th 2012 06:06:34 AM
Planning to buy a bank owned REO. Am I sane? Any advice is appreciated.The property:
Condo. Extremely well maintained. Good rental value. Lake-front.
Approx 150K. Bidding 7% lower than an identical property that was sold last year. Is being sold as-is by the bank. Expect to fix the issues for about 1K.Personal financial situation:
Couple (20's/30's), studying & working. Annual income 100K+, Savings: 100K+ No loans, one car (paid off). Monthly estimate (mortgage, HOA (incl utilities), taxes etc) is approximately 20% of gross income.Exit strategy:
Rent if we have to move and eventually sell in 6-7 years if we need a bigger place.
Assistance/Advice Booking Hotel in New York City for Sunday March 25th
Added on : Wednesday March 14th 2012 03:00:16 AM
Please provide me with best advice for booking a hotel in New York for a one night stay on Sunday March 25th.I have already booked the Affinia Hotel through Hotels.com for that night with 2 double beds, which I intend to cancel but wanted to have a last resort option. My rate was $189 after taxes/fees but thats well more than i want to pay, but rather that than wait too long and pay double. I have until March 24th to cancel without fee and receive 100% return. Being that it's a Sunday night I hope to do better than that. My wife's younger brother may be staying with us but would rather be cramped for one night than spend an extra $40-50 on a room.Looking for affordable but nice hotel in either midtown, time square area, or willing to listen to other options.I haven't had much luck/experience using Priceline, but willing to listen to advice.Currently Hotwire has a "4 star" hotel listed for $111 (before tax) and $140+ (after tax), but I have it searched for 2 people. It's located in East Midtown, but with the site I can't know the hotel until I book it. I don't believe I will be able to beat that rate in New York for that star level, but obviously would live for price to drop more.Please provide any advice, information, or strategy I should use.All advice is much appreciated!!!!
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $5 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Great Little War Game HD for iPhone, iPod touch, and iPad for 99 cents ($2 off): Turn-based strategy game
File Explorer for iPhone, iPod touch, and iPad for 99 cents ($4 off): Remote file access tool
Chess With Friends for iPhone and iPod touch for 99 cents ($1 off): Chess game
Batman Arkham City Lockdown for iPhone, iPod touch, and iPad for $2.99 (pictured, $3 off): Action game: LINK
Dangerous for iPhone, iPod touch, and iPad for $4.99 ($1 off): Sandbox role-playing game
The Bard's Tale for iPhone and iPod touch for $4.99 ($1 off): Role-playing game
1Password for iPhone and iPod touch for $6.99 ($3 off): Password management tool
1Password Pro for iPhone, iPod touch, and iPad for $9.99 ($5 off): Password management tooliTunes Coupons
I Banker placed on leave after allegedly stabbing cabbie
Added on : Friday March 02nd 2012 09:16:52 PM
And here I thought it was Wharton grads that stabbed people in the back.Kellogg grads would have collaborated on a branding strategy, then gone out for drinks to network ... all the time having forgotten to stab the guy.Fuqua grads would have bounced a basketball off his head.Stanford grads wouldn't have stabbed the guy until they'd gotten seed funding.Harvard grads would have outsourced it to Lubin grads.Keller grads would have been more than willing to do the deed, but they would have needed to wait until after they got off work.Booth grads would have done it for the right price, then wondered why absolutely no one cared whether they did it or not.
How to approach employer for bonding vacations
Added on : Friday March 02nd 2012 03:20:02 PM
I work as Manager in small company in California ($40-50 mm sales), not that many employees, may be around 250, been here for more than a year. The top management is actually owners them self, very stingy and micromanagers. I applied for vacations last year and they denied. I have a new born baby now 1 month old and want to take bonding vocation for at least 3-4 weeks
I checked with EDD for eligibility, according to them I do qualify for PFL (paid family leave); will go for PFL and FMLA. I have one week of personal leave accumulated and I am sure will not get paid any more from my employer.
How should I approach my employer?
How much EDD pay on PFL?
FMLA gridline says, employer can deny if you are in top 10% of wage earner (I think I belong to this category), strategy to get over it?
Thanks for your help and comments!
http://www.amazon.com/dp/074401333X/Amazon Coupons
http://www.amazon.com/Marketing-Strategy-Masters-Collection-eboo...
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $7 off. The deals, all with applicable platforms noted: (Search for these deals in iYunes App Store)
Z The Game for iPhone, iPod touch, and iPad for 99 cents ($4 off): Real-time strategy game
PocketWings: Discovery Island for iPhone, iPod touch, and iPad for 99 cents (pictured, $2 off): Flight simulator: LINK
Monkey Island Tales 2 for iPhone and iPod touch for $2.99 ($2 off): Adventure game
Comic Zeal Comic Reader for iPhone, iPod touch, and iPad for $4.99 ($3 off): Comic library tooliTunes Coupons
red robin: big melt bacon burger: $6.99 (from 2/29-3/22)
Added on : Wednesday February 22nd 2012 09:28:31 AM
credit to burgerbusinesshttp://www.burgerbusiness.com/?p=9483◙ One of those burgers is from Red Robin, which had told analysts last week that it wasnt going to be bullied by beef costs and would continue with burger LTOs. And on cue, here is the Big Melt Bacon Burger. Its topped with four slices of applewood-smoked bacon, Cheddar and Swiss cheeses, mushrooms and onions sauted in barbecue sauce. In keeping with its media/pricing strategy, Red Robin drops the burgers price to $6.99 while TV advertising airs (from Feb. 29 to March 22). The price goes back up by $3 or so from March 23 to April 29.If you like red robin and bacon, this is a decent deal. Don't forget to use your Royalty loyalty card when you go. It doesn't hurt.Hope this can help someone and thank you for reading this post.
Just Cause 2 (PC) - Steam - $5.09
Added on : Monday February 20th 2012 09:42:33 PM
Yeah the price is a little odd but a good deal. By the way, don't buy the game and the strategy guide pack. It is more expensive than each separately. Link if you don't have Steam installed.
Humble Bundle Mojam
http://www.humblebundle.com/Watch live, as Mojang (Minecraft) and friends create games from scratch in the span of a weekend! Pay what you want to get the games, and all proceeds go to your choice of four charities: Child's Play, the Electronic Frontier Foundation, the American Red Cross, and charity: waterThe Bundle will be up for 60 hours, during which everyone can watch live streams of the development process, while donors can download and play live builds of the respective games as they're being developed..Mojang is developing the game Catacomb Snatch, a real-time strategy shoot 'em up with a steampunk ancient Egypt theme. You can watch a live stream of the development on the main site.Also, Oxeye Game Studio (Cobalt) has jumped in and is developing a game of their own, an as-yet-unnamed dungeon crawler/beat 'em up set in Post-apocalyptic WWIIFinally, Wolfire Games (Lugaru) is developing another game. Little is known so far, except that it involves trains. Live streams of the developers available here:
http://www.twitch.tv/wolfireaubrey and http://www.twitch.tv/wolfiredavid
iPhone / iPad App Price Drops: Tony Hawk's Pro Skater 2, Glowfish, more
Added on : Friday February 17th 2012 09:48:30 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $3 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Tony Hawk's Pro Skater 2 for iPhone and iPod touch for 99 cents (pictured, $1 off): Classic skateboarding game: LINK
Glowfish for iPhone and iPod touch for 99 cents ($2 off): Platforming game
Neuroshima Hex Puzzle for iPhone, iPod touch, and iPad for 99 cents ($2 off): Puzzle game
7 Wonders: Magical Mystery Tour for iPhone and iPod touch for 99 cents ($2 off): Matching game
Luxor HD for iPhone, iPod touch, and iPad for 99 cents ($4 off): Marble shooting game
Algebra Readiness for iPhone, iPod touch, and iPad for 99 cents ($3 off): Math teaching tool
Caylus for iPhone, iPod touch, and iPad for $2.99 ($2 off): Strategy gameiTunes Coupons
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $3 off.The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Chess for iPhone, iPod touch, and iPad for 99 cents ($1 off): Classic strategy game
Ingenious for iPhone and iPod touch for 99 cents ($1 off): Digital board game
Dungeon Defenders: Second Wave for iPhone, iPod touch, and iPad for 99 cents ($2 off): Tower-defense game
Rayman 2: The Great Escape for iPhone and iPod touch for 99 cents (pictured, $4 off): Platforming game: LINK
The Adventures of Tintin - The Game for iPhone, iPod touch, and iPad for 99 cents ($4 off): Action-adventure game
Cyclemeter GPS for iPhone and iPod touch for $2.99 ($2 off): Bicycle computer tooliTunes Coupons
Suspended Passive Activity Losses and a business asset sale
Added on : Monday February 13th 2012 12:13:48 PM
I do not know if this question is too technical for FW but I thought I'd give it a shot. As most of us (at least those of us who've had to deal with suspended Passive Activity Losses) are aware, the entire suspended Passive Acitity Losses ("PAL") are released and can be applied against ordinary income in the year in which we dispose of our entire interest in the subject passive activity.My question here is under what circumstances does the sale of a business asset used in connection with a business generating passive income/losses rather than of the entire passive income/loss generating asset/business allow you to release suspended losses and apply them against your ordinary income? Here is the context for my question: we have a couple of rental properties and have suspended PAL's as we are way over the income limit. In the past I've taken standard mileage deductions in connection with those. Last year that car was sold (we replaced it with another one) but the rental properties remain. To my utter surprise, because of the car sale, the tax software is allowing me to release the entire suspended PAL's but only if the car sale resulted in a tax gain rather than a tax loss. I've had lengthy conversations with two of TurboTax's "tax experts" (TurboTax includes the option to consult with its tax experts for free this year) who both confirmed that this is accurate.For the life of me I don't understand why the fact that a business asset gets sold at a gain allows you to release the entire suspended loss but not if the same asset is sold at a loss. Even more importantly, depending on the reles related to this issue, this may be an interesting strategy allowing people to release suspended PAL's without disposing of the entire passive income producing asset.
iPhone / iPad App Price Drops: DvO, RISK, Real Racing 2, more
Added on : Monday February 13th 2012 09:57:45 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $3 off.The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Frederic - Resurrection of Music Complete for iPhone, iPod touch, and iPad for 99 cents ($3 off): Musical game
DvO for iPhone and iPod touch for 99 cents ($1 off): Tower-defense-type game
The Treasures of Montezuma 2 for iPhone, iPod touch, and iPad for 99 cents ($1 off): Matching game
Zombie Band for iPhone and iPod touch for 99 cents ($1 off): Rhythm game
RISK for iPhone and iPod touch for 99 cents (pictured, $2 off): Strategy game: LINK
Gears for iPhone, iPod touch, and iPad for 99 cents ($2 off): Ball-rolling game
Evertales for iPhone, iPod touch, and iPad for 99 cents ($2 off): Adventure game
Sonic The Hedgehog 4 Episode I for iPhone and iPod touch and $1.99 ($2 off): Platforming gameiTunes Coupons
Question to all the FW real estate gurus - will the government's proposed sale of homes in bulk benefit, harm, or have no impact on the residential real estate market prices in the short term and long term? See article below. Will this affect your plans to invest in real estate?Bloomberg Businessweek article:Your Next Landlord Might Be a Buyout Fund
By John Gittelsohn
February 02, 2012 6:00 PM EST
facebook twitterThe dealmakers running Americas private equity firms see opportunity in one of the most distressed precincts of the U.S. economy: residential housing. The New York-based real estate buyout fund GTIS Partners will spend $1 billion by 2016 acquiring single-family homes to manage as rentals, founder Tom Shapiro said on Jan. 24. That followed announcements earlier in January that GI Partners, a Menlo Park (Calif.) private equity fund, expects to invest $1 billion and Los Angeles-based Oaktree Capital Management will spend $450 million on similar housing deals. We are starting to see this as a billion-dollar opportunity, says Shapiro.Why the enthusiasm? For starters, the U.S. government is eager to clear out the foreclosed properties now on its books. The Federal Reserve, in a study released in January, urged the government to explore ways to reduce the glut of bank-owned homes, including by selling them to investors to rent out. On Feb. 1, Fannie Mae, the government-controlled mortgage agency, extended the first invitation to investors to apply for joint ventures to buy bulk foreclosed homes and manage them as rentals. The Obama Administration hopes to market some of the 210,000 homes repossessed by Fannie Mae, Freddie Mac, and the Federal Housing Administration, which insures mortgages, during the first quarter of 2012.Cerberus Capital Management, Deutsche Bank, Fortress Investment Group, and Starwood Capital Group are among the potential investors that responded to an Administration request in September for proposals on how to dispose of the governments inventory of foreclosed homes, according to a list obtained by Bloomberg through a Freedom of Information Act filing.Some would-be investors are dubious. Ken Hackel, in charge of securitized products strategy for Stamford (Conn.)-based research and brokerage firm CRT Capital Group, says investors should be cautious about buying properties in markets such as Las Vegas, where a transient population and an economy dependent on a single industry might make it hard to recoup their money. For the kind of properties I looked atand in most casescapital markets arent excited to finance deals to buy foreclosed properties and rent them out, he says. Moreover, investors need to do more than make the math work, says Shapiro: They will have to deal with the rather unglamorous responsibilities of finding tenants and maintaining properties. We think the important thing is on the operations and management side, as opposed to playing a numbers game, he says. The key is being able to efficiently manage these homes.Even so, low prices and high demand for rentals make the market intriguing. The U.S. homeownership rate fell to 66 percent at the end of 2011, from 66.3 percent in the third quarter, the Census Bureau said on Jan. 31. It peaked at 69.2 percent in June 2004. The share of Americans who are willing and able to own their own home is still falling, Paul Diggle, an economist with Capital Economics in London said in a Feb. 1 note. The flipside is more households in the rented sector and fewer properties lacking tenants. This is helping to drive rents, and therefore landlords returns, higher.Single-family home rentals can generate cash flows that are 3 percentage points higher than apartments, says Gregor Watson of McKinley Capital Partners in Oakland, Calif., which has spent $100 million in the past two years on more than 400 foreclosed homes in Western cities. This will be a new institutional asset class in the next 24 months, he says.About 7.5 million homes with a market value of $1 trillion will be liquidated through foreclosures or other distressed sales by 2016, according to a 2011 report by Oliver Chang, a Morgan Stanley analyst. That will add to the estimated 20 million single-family homes already serving as rentals, which have yielded annual returns averaging 8.1 percent since 1990, Chang concluded.Shapiro says his firm expects to buy homes in bulk from banks, Fannie Mae, and Freddie Mac. To focus its operations, GTIS will concentrate on Nevada, Arizona, and Californiastates with the three highest foreclosure ratesand Florida. GTIS expects to hold its homes about five years, waiting for housing prices to recover before selling, Shapiro says: Our intention is to rent them, to hold them for the long term.
iPhone / iPad App Price Drops: Time of Heroes, Crash Bandicoot 3D, more
Added on : Friday February 10th 2012 09:33:27 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. Up to $5 off. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Time of Heroes for iPhone, iPod touch, and iPad for 99 cents ($2 off): Strategy game
Order & Chaos Online for iPhone, iPod touch, and iPad for 99 cents ($6 off): MMORPG game
PiggyWoogy for iPhone and iPod touch for 99 cents ($1 off): Match-3 puzzle game
Rebuild for iPhone, iPod touch, and iPad for 99 cents ($2 off): Camera utility
Crash Bandicoot Nitro Kart 3D for iPhone and iPod touch for 99 cents ($2 off): Kart-racing game: LINK
ASH II: Shadows for iPhone, iPod touch, and iPad for $2.99 ($2 off): Role-playing game
Dodonpachi Resurrection iPhone and iPod touch for $5.99 ($2 off): Top-down shooteriTunes Coupons
Question to all the FW real estate gurus - will the government's proposed sale of homes in bulk benefit, harm, or have no impact on the residential real estate market prices in the short term and long term? See article below. Will this affect your plans to invest in real estateBloomberg Businessweek article:Your Next Landlord Might Be a Buyout Fund
By John Gittelsohn
February 02, 2012 6:00 PM EST
facebook twitterThe dealmakers running Americas private equity firms see opportunity in one of the most distressed precincts of the U.S. economy: residential housing. The New York-based real estate buyout fund GTIS Partners will spend $1 billion by 2016 acquiring single-family homes to manage as rentals, founder Tom Shapiro said on Jan. 24. That followed announcements earlier in January that GI Partners, a Menlo Park (Calif.) private equity fund, expects to invest $1 billion and Los Angeles-based Oaktree Capital Management will spend $450 million on similar housing deals. We are starting to see this as a billion-dollar opportunity, says Shapiro.Why the enthusiasm? For starters, the U.S. government is eager to clear out the foreclosed properties now on its books. The Federal Reserve, in a study released in January, urged the government to explore ways to reduce the glut of bank-owned homes, including by selling them to investors to rent out. On Feb. 1, Fannie Mae, the government-controlled mortgage agency, extended the first invitation to investors to apply for joint ventures to buy bulk foreclosed homes and manage them as rentals. The Obama Administration hopes to market some of the 210,000 homes repossessed by Fannie Mae, Freddie Mac, and the Federal Housing Administration, which insures mortgages, during the first quarter of 2012.Cerberus Capital Management, Deutsche Bank, Fortress Investment Group, and Starwood Capital Group are among the potential investors that responded to an Administration request in September for proposals on how to dispose of the governments inventory of foreclosed homes, according to a list obtained by Bloomberg through a Freedom of Information Act filing.Some would-be investors are dubious. Ken Hackel, in charge of securitized products strategy for Stamford (Conn.)-based research and brokerage firm CRT Capital Group, says investors should be cautious about buying properties in markets such as Las Vegas, where a transient population and an economy dependent on a single industry might make it hard to recoup their money. For the kind of properties I looked atand in most casescapital markets arent excited to finance deals to buy foreclosed properties and rent them out, he says. Moreover, investors need to do more than make the math work, says Shapiro: They will have to deal with the rather unglamorous responsibilities of finding tenants and maintaining properties. We think the important thing is on the operations and management side, as opposed to playing a numbers game, he says. The key is being able to efficiently manage these homes.Even so, low prices and high demand for rentals make the market intriguing. The U.S. homeownership rate fell to 66 percent at the end of 2011, from 66.3 percent in the third quarter, the Census Bureau said on Jan. 31. It peaked at 69.2 percent in June 2004. The share of Americans who are willing and able to own their own home is still falling, Paul Diggle, an economist with Capital Economics in London said in a Feb. 1 note. The flipside is more households in the rented sector and fewer properties lacking tenants. This is helping to drive rents, and therefore landlords returns, higher.Single-family home rentals can generate cash flows that are 3 percentage points higher than apartments, says Gregor Watson of McKinley Capital Partners in Oakland, Calif., which has spent $100 million in the past two years on more than 400 foreclosed homes in Western cities. This will be a new institutional asset class in the next 24 months, he says.About 7.5 million homes with a market value of $1 trillion will be liquidated through foreclosures or other distressed sales by 2016, according to a 2011 report by Oliver Chang, a Morgan Stanley analyst. That will add to the estimated 20 million single-family homes already serving as rentals, which have yielded annual returns averaging 8.1 percent since 1990, Chang concluded.Shapiro says his firm expects to buy homes in bulk from banks, Fannie Mae, and Freddie Mac. To focus its operations, GTIS will concentrate on Nevada, Arizona, and Californiastates with the three highest foreclosure ratesand Florida. GTIS expects to hold its homes about five years, waiting for housing prices to recover before selling, Shapiro says: Our intention is to rent them, to hold them for the long term.
Amazon Puerto Rico Board Game $29
Added on : Thursday February 09th 2012 09:44:25 PM
Amazon has the Puerto Rico Board Game for $29 with free shipping.
3 to 5 player strategy game has excellent Amazon reviews.
TextAmazon Coupons
Jagged Alliance II - $3.40 (66% off) - Amazon Download
Added on : Friday February 03rd 2012 04:48:53 PM
LinkThis is an excellent classic turn-based strategy game from 1999. There's supposed to be a remake coming out sometime soon, so you might prefer to pay (a lot) more for better graphics. However, it's hard to go wrong with a game this inexpensive. Here's the GameSpot review (88%).Note that GOG has this regularly for $9.99 and has discounted it 50% off before, so I count this a good deal.Time to take out the trash!Amazon Coupons
401K Strategy: Only fund the minimum necessary to get company match?
Added on : Monday January 30th 2012 12:12:08 PM
Hey guys,I'm over 50 and taking advantage of the additional catch up allowance for 401K's at work. I'm putting in about 21K/year now and getting the traditional 50% match on first 6K.I was out and about listening to a local talk radio station on Saturday, and the finance guy (who paid for the time on the show, btw) was touting that people should only fund their 401ks with the minimum necessary to get the full company match. That would be 6K, in my case. He says the rest of your retirement investing should then be in a Roth IRA and then self-directed tax-free instruments. He mentioned certain "insurance"-type vehicles to get there, but I'm not sure if he meant annuities or whatever. (Note: I'm also fully-funding a Roth IRA each year).Aside from the fact that there's the obvious discipline factor at work here, where you'd have more take home pay each week and need to be good about reallocating it to investments, what do you guys think of his strategy? Sorry that I can't be more clear about exactly what instruments he's referring to. He wants to make money on advising clients and who knows -- might get some commission cut out of stuff he gets people to buy, I don't know. But his main case is that 401k's are tax-deferred, and that's going to cost you at distribution time. My thought is that my tax rate should be lower when I retire and not higher, hence the better play is to keep financing 401K to the max now tax-deferred. Of course, it goes without saying that self-directed investments have almost infinite choices and 401K vehicles have whatever the plan offers in the way of mutual funds/bonds.Here's the dude's bio who's touting the fund-to-the-match-only policy: http://www.wor710.com/pages/11587639.php
There was some discussion in another thread About this , but this is an important enough subject to warrant it's own thread. Many people are getting nowhere with their lenders when asking for a loan mod, and principal reductions are still very uncommon. There is a way to force lenders to Reduce principal on underwAter homes, or even Remove junior liens such as helocs entirely. It requires filing for chapter 13 bankruptcy , so this isn't a strategy for everyone , but for those who feel they need this option they should be aware of it, as it is not widely known or publicizedIf your first mortgage is greater than your homes current market value , a bk 13 can work to force principal reduction (lien stripping) by removing junior liens and paying them off with your other unsecured debts http://www.nolo.com/legal-encyclopedia/rid-second-mortgage-chapter-13-bankruptcy.htmlFor investment and rental properties, Even first mortgages can be reduced to current market value via cramdownhttp://www.nolo.com/legal-encyclopedia/mortgage-cramdowns-chapter-13-bankruptcy.htmlPlease use these links , and speak to a qualified attorney in your area if you think this is right for you. I will not be able to answer any specific questions related to your situation and am not your attorney or providing any legal advice. These general topics are presented for the financial education of fwf readers and you should not take any action without first speaking to your own attorney .
New 2% cashback credit card? Capital One Spark
Added on : Saturday January 28th 2012 09:17:02 PM
Capital One Spark-Small Business
http://toys.dailysteals.com/
Facebook IPO
Added on : Friday January 27th 2012 06:18:25 PM
According to the WSJ, Facebook could be filing for it's IPO on Wednesday. Being that most of us do not have the connections to get these shares at the IPO price, I wanted to gauge how many astute FW investors would buy in at the open? I'm asking because I've been witness to quite a few stocks that I've been gun-shy to buy these hot IPOs at the open(Google, Visa)only to watch these stocks zoom much higher post IPO. What would be your strategy to get a piece of Facebook if you can't subscribe at the IPO price? Bearing in mind that if you want to wait for a pull-back, it might never happen, as you watch the back of the Facebook express leave the station.
http://finance.yahoo.com/news/facebook-may-file-ipo-wednesday-18...
Facebook could file for its long-awaited initial public offering as early as Wednesday, the Wall Street Journal reported Friday.The social-networking company is expected to pick Morgan Stanley (NYSE: MS - News) as the lead underwriter for the IPO, the Journal said. The Wall Street bank has been the most popular choice among internet IPOs in recent years.The company is currently looking at a valuation of $75 billion to $100 billion, according to the report.
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. At up to $6 off, each is at the lowest price we've seen. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Mini Motor Racing for iPhone and iPod touch for 99 cents ($1 off): Racing game
Splashtop Remote Desktop for iPhone and iPod touch for 99 cents ($1 off): Computer access tool
Meanwhile for iPhone, iPod touch, and iPad for 99 cents ($4 off): Interactive comic book
Crystal War Blood Field for iPhone, iPod touch, and iPad for 99 cents ($1 off): RPG / real-time strategy game
Skyfire Web Browser for iPhone and iPod touch for 99 cents (pictured; $2 off): Flash-capable web browser: LINK
Hipstamatic for iPhone and iPod touch for 99 cents ($1 off): Filtered camera software
LEGO Harry Potter: Years 1-4 for iPhone, iPod touch, and iPad for $2.99 ($2 off): Action adventure game
iPhone / iPad App Price Drops: Greed Corp, Element Defense, Kinotopic, more
Added on : Wednesday January 25th 2012 09:38:27 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. At up to $6 off, each is at the lowest price we've seen. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
Tongue Tied! for iPhone, iPod touch, and iPad for 99 cents ($1 off): Tongue twister database
Greed Corp for iPhone and iPod touch for 99 cents (pictured, $4 off): Turn-based strategy game: LINK
Element Defense for iPhone, iPod touch, and iPad for 99 cents ($1 off): Tower defense game
Kinotopic for iPhone and iPod touch for 99 cents ($1 off): Cinemagraph creation tool
Tom Clancy's Rainbow Six: Shadow Vanguard for iPhone and iPod touch for 99 cents ($6 off): First-person shooter
Great Little War Game HD for iPhone, iPod touch, and iPad for free
Added on : Saturday January 21st 2012 09:32:21 AM
The iTunes App Store offers Great Little War Game HD for iPhone, iPod touch, and iPad for free. That's $3 off this turn-based strategy game.
LINK
buying a short sale property in california
Added on : Friday January 13th 2012 06:15:55 PM
Hi guys, I'm half-way through the process of buying a short sale property in California, and was hoping FWF could help me out with some info. I've tried googling the issues, but haven't found what I need....If you're like me and like context to these stories, here it is (no e-peen intended): I'm married, wife works, affording the home is a smallish issue. We'd be ok if one of us lost a job - hurting, really really bad, but ok. Likely purchase price is ~510k, my comp analysis puts the value at ~560k based on standard sales. Discount that by discount on distressed homes (per RealtyTrac for Q2, 21% nationwide and 32% in Los Angeles, sources linked below), and.... well we may be overpaying but we love the house and I'd still consider it a good deal. This property would be our primary residence. Credit is good (side note, keeping my credit score high has kept me from taking advantage of checking account and cc signup deals, which sucks).My questions are....1. <20% down, rehab, refinance @ >80% LTV. We have the cash for 20% down, but we'd be cash-strapped after repairs (the house needs a new roof at the very least). My preference would be to go with 12.5% down, refi after rehab, putting additional money in if necessary to get out of PMI. Barring external forces (quick/violent market decline, interest rate spike), this looks like a workable approach. Does anyone have experience with this strategy? For the initial loan, I'd go with negative points if possible. I'd hold the loan long enough to keep my mortgage broker on good speaking terms, and go for one of those no-cost refi deals.2. Property tax reassessment. My understanding is that I will have to pay property taxes on the current assessment value for ~6mos, until the property gets reassessed. Current assessment is 30% above the likely purchase price. When the property gets reassessed, will they simply use the purchase price? Or will they visit the house, and ding me for the rehab?Any help would be greatly appreciated! Thanks.Distressed property discount links:
http://nationalmortgageprofessional.com/news26385/31-percent-q2-...
http://www.dsnews.com/articles/short-sales-offer-significant-dis...
Warfare Incorporated for iPhone / iPod touch for free
Added on : Monday January 02nd 2012 03:13:41 PM
The iTunes App Store offers Warfare Incorporated for iPhone and iPod touch for free. It's a real-time strategy game.
LINK
Warfare Incorporated for iPhone / iPod touch for free
Added on : Monday January 02nd 2012 09:50:03 AM
The iTunes App Store offers Warfare Incorporated for iPhone and iPod touch for free. It's a real-time strategy game.
LINK
Unlock your car's equity, CU loaning 1.99% over 60 months at KBB value.
Added on : Saturday December 31st 2011 12:16:57 PM
High level background to quell possible discussion that borrowing money is a bad idea regardless of interest rate.Freakish luck, this year I stumbled across a consulting venture that lead to making 50% of my primary income for 20% of my time. Combined with my spouse's income and recent raises, I had to check my figures 4X before reality set in. The taxable consequences actually made me quite panicky. And honestly the increase in income has made me more miserable as the tradeoff is time. To make the operation more efficient and effective, and to take advantage of capital expenditure write offs (equipment, office, furniture, etc) I spent a good amount of money just this past week to meet the 2011 deadline. We like to have at least 6 months income liquid, and the expenditures along with other income producing opportunities will pretty much wipe out our cash for Q1, but we will get it back and then some as the year progresses. I was considering some sort of balance transfer/advance strategy but found it too expensive.While at the Credit Union the other day, having a notary stamp (free) a few business documents I noticed they sold Gap Insurance ($285). I thought it was only for leased cars, but you can buy it for cars that are financed. That lead to a chat about interest rates, 3.99% over 24 months. My paid off 2002 car with 109,000 miles (European brand, ///M, for those in the know), qualified for a shocking $19,000!!! The CU didn't blink an eye when I asked if I could use the money for other purposes such as a cash reserve.Thinking this was a fluke, I called my other CU and they had a similar program, made their own appraisal and came up with the same dollar figure. Only difference, 2.5% interest rate over 24 months.Shopping around last night, I found InTouch Credit Union (https://www.itcu.org/personal/loans/vehicles/rates) 1.99% over 60 MONTHS, BUT they base qualification off car's mileage which must be under 80,000 miles. I don't qualify but 2.5% over 24 months is plenty to get me past my cash crunch.I searched the threads and didn't find a thread similar to mine so I thought I would share with the group.If I follow through with this strategy, should I buy the Gap insurance? My car is a daily driver, never been in an accident, and I've seen similar cars to mine selling for around $11K. Seems like cheap insurance to over a $8,000 gap + they'll give me $1,000 towards the purchase of another car, assuming my car is totaled.
Capital One SPARK Business Card 2% Cash back!
Added on : Friday December 30th 2011 06:17:08 PM
I think this is the #1 best card to have. It give you a CLEAN! 2% back. Can anyone think of a better card?Here is a link for more information.
http://www.capitalone.com/business-credit-cards/spark-cash-rewar...
Using paid off car as secured loan, 1.99% over 60 months.
Added on : Friday December 30th 2011 12:18:01 PM
High level background to quell possible discussion that borrowing money is a bad idea regardless of interest rate.Freakish luck, this year I stumbled across a consulting venture that lead to making 50% of my primary income for 20% of my time. Combined with my spouse's income and recent raises, I had to check my figures 4X before reality set in. The taxable consequences actually made me quite panicky. And honestly the increase in income has made me more miserable as the tradeoff is time. To make the operation more efficient and effective, and to take advantage of capital expenditure write offs (equipment, office, furniture, etc) I spent a good amount of money just this past week to meet the 2011 deadline. We like to have at least 6 months income liquid, and the expenditures along with other income producing opportunities will pretty much wipe out our cash for Q1, but we will get it back and then some as the year progresses. I was considering some sort of balance transfer/advance strategy but found it too expensive.While at the Credit Union the other day, having a notary stamp (free) a few business documents I noticed they sold Gap Insurance ($285). I thought it was only for leased cars, but you can buy it for cars that are financed. That lead to a chat about interest rates, 3.99% over 24 months. My paid off 2002 car with 109,000 miles (European brand, ///M, for those in the know), qualified for a shocking $19,000!!! The CU didn't blink an eye when I asked if I could use the money for other purposes such as a cash reserve.Thinking this was a fluke, I called my other CU and they had a similar program, made their own appraisal and came up with the same dollar figure. Only difference, 2.5% interest rate over 24 months.Shopping around last night, I found InTouch Credit Union (https://www.itcu.org/personal/loans/vehicles/rates) 1.99% over 60 MONTHS, BUT they base qualification off car's mileage which must be under 80,000 miles. I don't qualify but 2.5% over 24 months is plenty to get me past my cash crunch.I searched the threads and didn't find a thread similar to mine so I thought I would share with the group.If I follow through with this strategy, should I buy the Gap insurance? My car is a daily driver, never been in an accident, and I've seen similar cars to mine selling for around $11K. Seems like cheap insurance to over a $8,000 gap + they'll give me $1,000 towards the purchase of another car, assuming my car is totaled.
Changing states for a one-time capital gain?
Added on : Thursday December 29th 2011 06:12:19 AM
Next year I'll have a one-time sale of stock for a very large gain. I live in a flat-tax state that'll take about 5% of the net from the sale. I'm in a transitional period in terms of housing (renting), can move to any state next year at any time during the year, and my job is a telecommute across the country. I can choose when to exercise the sale. As far as I can tell, I should be taxed at the state level on this "unearned income" only in the state I live in -- for some suitable definition of "live" -- at the time of the sale. What would stop me from moving to New State (NS) next year in November, closing up shop in Old State, registering my cars in NS, registering to vote in NS, etc., selling my stock, and then moving back to OS in the following year (or, for that matter, some small number of days later)? I see a whole lot of posts for capital gains on home sales (not very relevant), for people who have earned income concerns (not relevant), things regarding "intent" (I would certainly _intend_ to live in NS for a few months), "domicile" and "residency" and how these things seem to be defined differently in each state, situations where people have property in both states, situations where people live in RVs, and so on. But I can't really find any forum threads where someone's concluded that this strategy is legit, or any accounts from someone who's done it and said "yep, worked great" (or the opposite), or pretty much anything to give me much confidence.Thoughts? Good idea? Dumb idea?
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. At up to $2 off, each is at the lowest price we've seen. The deals, all with applicable platforms noted: (Search for these deals in iTunes App Store)
100 Rogues for iPhone, iPod touch, and iPad for 99 cents ($2 off): Role-playing game
Age Of Empire for iPhone and iPod touch for 99 cents ($1 off): Turn-based strategy game
Mega Man II for iPhone and iPod touch for 99 cents (pictured, $2 off): Legendary platformer: LINK
Wonderful Days for iPhone and iPod touch for $1.99 ($2 off): Daily diary
How to Tie a Tie Animated! for iPhone, iPod touch, and iPad for $1.99 ($3 off): Tie-tying reference
Buying a used car - where to start off negotiations
Added on : Thursday December 22nd 2011 12:18:53 PM
I'm going to buy a 2007 RAV4 from a local dealership. The asking price is around KBB value but I don't want to pay that of course. I was thinking of starting off my negotiations at Private Trade in plus maybe 5%. Is that a god strategy or will i be laughed out of the dealership?
http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer. December 21, 2011Simple, smart and secure backup technologies! System Backup is easy to use and highly automated: out-of-the-box automation for scheduled background protection of your complete system and data. Plus, customizable backup strategy options for specialized individual needs.

System Backup 10.5 Special Edition if a full clone of System Backup 11 with NO WinPE included.

Key Features of System Backup 10.5 Special Edition:
1.Out-of-box automated backup helps you initiate protection of your system and data on a regular basis just after the product installation.
2.Set-and-forget backup strategy. Cyclic Backup establishes a self-running data protection system, providing a set-and-forget backup strategy.
3.With the Create New Storage wizard, System Backup will analyze your disk system and determine the most appropriate place to store your backup images.
4.Paragons Smart backup engine effectively distributes resources among other applications when backing up in the automatic mode, so you can keep working on your computer and without any noticeable lag in system performance.
5.System Backup is based on simplicity and minimal user participation.
6.Advanced notification system. Color indicators in the system tray inform you about the level of danger your system and data are in and prompt you with ways to fix it.

Whats new in this version:
Support for the latest HDD standards and hardware. Enjoy support for SSD (Solid State Drive), AFD (Advanced Format Drive), 2TB+ and non-512B sector size drives.
Unified (x32/x64) full MSI Package.
Updated Linux based Recovery CD
Free 6" USB Sync-Charge Cable for iPhone-iPod
Added on : Tuesday December 20th 2011 06:34:42 AM
Similar offer for a longer cable has been posted before as a BF promo, but now this is completely free, no CC required...
I've gotten the cable and it's decent quality, works for both sync and charging.
Note: This is the shorter 6" cable, great for when you don't want the longer length getting tripped over or cluttering the desk...shopitagain.com OfferOffer Terms said: Each buyer can only get 1 unit within one month as we offer it as free item! If you place order repeatedly, all your orders will be cancelled! please read the following promotion rules carefully.
As we ship all these promotion cables through Singapore Post Normal Airmail, which has no tracking service, and the estimated delivery is 15-30 days after shipping. So in case you don't receive the item, please contact us through Live Chat or Email to us.
This is just Promotion Campaign not item Normal selling price. It is one of promotion strategy. Same as spend money to make adverisement on TV or internet. But we spend money to improve buyers satisfication and give buyers benefits directly, not pay more money to TV stations, Internet Gate Operators to attract buyers. We hope you can get benefit on our site and introduce more friends to visit our site and enjoy the benefits like you.

Don't Let the Pigeon Drive the Bus Game was $19 now $5.99 @Amazon w/FSSS
Added on : Saturday December 17th 2011 12:32:52 PM
LINKUh-oh! The Pigeon wants to drive YOUR bus and it's up to you to stop him! Move your bus around the board, using simple strategy to keep the Pigeon from driving it. But drive carefully - if the Pigeon lands on the same space as your bus, you must go back to Start and try again. Children develop their concentration, strategy and fine motor skills in this action-packed game.For 2 - 4 players, ages 3 and up.Contents Include: 4 Bus Playing Pieces, 1 Pigeon Playing Piece, Spinner, 16 Tokens, Game Board and Instructions.
Resonance of Fate PS3 / Valkyria Chronicles $16 FS @ newegg
Added on : Thursday December 15th 2011 09:32:17 AM
Couple of nice Sega RPG/SRPG for the Playstation 3 I've had my eyes on waiting for the price to drop.PS3 Resonance of Fate $15.99
PS3 Valkyria Chronicles $15.99Both have free shipping at Newegg.Resonance I've heard has a very deep combat system, but so-so otherwise. Heard good reviews for Valkyria, but it's more strategy/turn based.Man... Going broke this Christmas with all the video games deals from Best Buy and Newegg. Not so much from Amazon
two traffic tickets and traffic school question
Added on : Wednesday December 14th 2011 09:11:27 PM
FWF - Help me decide which of two traffic tickets I should mitigate by going to traffic school. After 10 years of driving without a ticket, I got two tickets in California within 2 months of each other. The fine is same on both ($245 + $49 for traffic school). The first ticket was for following too closely and payment is due in December. The second ticket is for speeding and payment is due in January. Going to traffic school provides an additional 3-month extension for payment but traffic school is valid for only for one ticket in a 18-month period. Both violations equal a point (DMV rule) I don't want to contest either ticket. I am in a fix because California recently passed AB 2499 which will reveal multiple tickets within a 18-month period to insurers even if traffic school is attended. Please help me decide what strategy would have less impact on insurance raises (next insurance period begins end of Feb for me).
two traffic tickets and traffic school question - Help me decide
Added on : Wednesday December 14th 2011 06:10:56 PM
FWF - Help me decide which of two traffic tickets I should mitigate by going to traffic school. After 10 years of driving without a ticket, I got two tickets in California within 2 months of each other. The fine is same on both ($245 + $49 for traffic school). The first ticket was for following too closely and payment is due in December. The second ticket is for speeding and payment is due in January. Going to traffic school provides an additional 3-month extension for payment but traffic school is valid for only for one ticket in a 18-month period. Both violations equal a point (DMV rule) I don't want to contest either ticket. I am in a fix because California recently passed AB 2499 which will reveal multiple tickets within a 18-month period to insurers even if traffic school is attended. Please help me decide what strategy would have less impact on insurance raises (next insurance period begins end of Feb for me).
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. At up to $2 off, each is at the lowest price we've seen. The deals, all with applicable platforms noted: (Search for these deals in iTunes APp Store)
Genius Scan+ - PDF Scanner for iPhone, iPod touch, and iPad for 99 cents ($1 off): Scanning utility
Plants vs. Zombies for iPhone, iPod touch, and iPad for 99 cents (pictured, $2 off): Strategy game: LINK
Swingworm for iPhone, iPod touch, and iPad for 99 cents ($2 off): Physics-based game
Nightstand Central for iPhone, iPod touch, and iPad for 99 cents ($1 off): Bedside utility
Solitaire King for iPhone, iPod touch, and iPad for 99 cents ($1 off): Solitaire game
TextBomb for iPhone, iPod touch, and iPad for $1.99 ($1 off): Mass texting utility"There's a free genius scan for ipad which i just installed. There's also a .99 version of it."
Your thoughts about Market and Economy for 2012 and Investment Strategy
Added on : Wednesday December 14th 2011 03:10:44 PM
Here is what i think...I fear EU to go into recession and expect EU central bank to print euro to keep liquidity in the market. This may drag euro down. Keep in mind that 22% of the US export goes to Europe, this will have impact on overall US economy. I feel market will be down overall or may have very modest gain, if any. I think Gold would go up if Euro loses value.My investment strategy: - Max out 401(k) [Eventhough no pay raise for 2 years in a row, cutting down on everything such as cable, cellphone, eating out, etc.]
- Max out Roth
- 60% - Blue Chip / Large Cap Dividend paying stocks such as: Wal-Mart, 3M, Verizon, AT&T, etc.
- 20% - Low Cost ETF
- 20% - Small Cap Growth
Share your thoughts.
iPhone / iPad App Price Drops: Plants vs. Zombies, Nightstand, more
Added on : Wednesday December 14th 2011 09:31:05 AM
The iTunes App Store offers downloads of several apps for Apple iPhone, iPod touch, or iPad which have dropped in price, as listed below. At up to $2 off, each is at the lowest price we've seen. The deals, all with applicable platforms noted: (Search for these deals in iTunes APp Store)
Genius Scan+ - PDF Scanner for iPhone,