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Wireless headphones mp3 player $5.49 @focalprice
Added on : Monday October 20th 2014 01:00:03 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 7 Replies: 0 506 Wireless Sports Headset Headphones MP3 Player
=smallFeatures =smallSuitable for sports, leisure, office people, can use in travel, shopping, exercise, fitness, cycling, playing, dancing, entertainment, office, etc.
Free to listen to, get rid of troubles of the line
Can enjoy portable, lightweight, stylish, trend new, unique, fun, and high-fidelity sound
Comes with stylish and cool wireless neckband, sporty appearance
Fits for sports enthusiasts, the ultra-lightweight design, the overall use of soft and smooth rubber material, comfortable control button
Unique stereo headset mp3, comfortable to wear
Volume can be adjusted continuously , free transform play state =smallGeneral Specs =small  Type Sports MP3 Headset Music Format MP3, WMA TF Card Slot Yes =smallFM Yes =smallPort =smallMicro USB, TF card slot =smallMicrophone =smallYes
Package DetailsWeight: 68.48 g
Size: 19.3*16.7*6 cm
Zoodle Slicer with Brush $6.99 A/C @ Amazon
Added on : Sunday October 19th 2014 09:00:05 AM
g: 0 Posted By: ctgolfer
Views: 271 Replies: 2 use promo code: 69ZOODLE

free shipping with Prime oron $35+

Great GIFT for any food enthusiast or health conscious individual - One of the top-talked-about and must-have gadget of the 21st century, this is ideal for anyone on a raw food, gluten-free, paleo or low-carb diet. If you love pasta but can't eat wheat, this is for you!
EASY-TO-USE award winning design - Use a simple turning motion (just like sharpening a pencil) to instantly turn boring vegetables into irresistible veggie spirals. Dishwasher safe & easy to clean. Fits easily into any kitchen drawer! User friendly and Ergonomic Design - Non-toxic: Food only comes in direct contact on the stainless steels!
PERFECT FOR carrots, zucchini, cucumber turnips & sweet potatoes - Spiralize endless julienne strips of countless vegetables for low carb, healthy vegetable meals! Food only comes in direct contact on the stainless steels! Easy to handle, and operate safely with built-in finger guards - Work better than expensive models!
CREATE BOTH julienne AND fettuccini florals - Perfect sizes to create vegetable stir-fries, pasta dishes, salad brighteners and more! Special Sturdy Japanese Stainless Steel Blades stay sharp and never rust!

www.amazon.com/dp/product/B00M6I6MG0
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Amazon Coupons
g: 0 Posted By: remick
Views: 1 Replies: 0 https://stacksocial.com/sales/learn-to-build-your-own-iphone-gam...

CREATE YOUR OWN iPHONE GAME

MakeGamesWithUs is an online academy that provides you with the tools and skills needed to build your very own iPhone game. This course is 8-weeks long and covers many different game formats, giving you a well rounded working knowledge of how to create addicting iOS games!

During the first 4 weeks, you will re-create Flappy Bird, Angry Birds and the Game of Life. This gives you the fundamentals and hands on experience to work on and create your own iOS game during the final 4 weeks.

WHY YOULL LOVE IT

MakeGamesWithUs uses a learn by making teaching style, giving you the hands on experience necessary to end the course will a fully functioning iOS game. Their curriculum is so successful it is used to teach classes at MIT, UC Berkeley and Carnegie Mellon. There is no excuse to miss this FREE opportunity to learn such valuable skills.

TOP FEATURES

Publish your own game to the App Store
Clone Angry Bird, Flappy Bird and the Game Of Life
Exclusive access to over 18,000 game art assets
View lectures and talks by industry experts
Instant 1:1 support from expert developers through partnership with Codementor
WHAT YOULL NEED

A Mac computer that runs Mavericks or greater (OS X 10.9)
NOTE: You can check if your computer is supported HEREhttp://support.apple.com/kb/ht5842

Negotiating salary
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: misterfixit
Views: 79 Replies: 1 For those that have had experience negotiating, I wanted to see if you might be able to provide me with some guidance on the best way to proceed.

I'm in a very specialized mechanical/electrical field. There aren't a lot of people that do the kind of work that I'm in and I have some clearances that make me particularly valuable. I am in the process of gaining a certification that is basically the "gold-standard" for my field. I should have this within 1 year. I've already been through the hard parts.

I have received an offer from company X for about $200k. The current person at the company is doing a job very close to what I would be doing and he is leaving, thus they are looking for me to replace him. The guy that I am replacing has the gold-standard certification that I spoke of, but it doesn't make him any more capable of performing the job. The offer is good and I like the company, however I know the guy that I will be replacing and he is making a lot more (~30% more) than I would be in the same job. I know this guy very well and he did say that I am by far their #1 candidate and the others that have interviewed for the job are not people they want to hire. I asked him if he thought I could get what he is getting and he said "potentially." This is probably not the most desirable location, either, so I think it would be hard for them to find someone else with my credentials. They have been ringing my phone off and I know they really want me to come on-board.

How would you approach this kind of negotiation? I can't come right out and say that I want what the current guy is getting because I'm pretty sure he wasn't supposed to tell me. I also don't have the gold-standard certification (yet), so they could just come back with that.

Any advice would be appreciated. Thanks for your help.
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00G8H2KJS

Human effective IQ needs daily maintenance. Solving Word Scramble puzzles is a fun way of keeping the brain in top operating condition. Word Scramble puzzles are unscrambling word games. All the letters in a word are given, but out of order in ABC sorting. The goal is to unscramble the letters and find the hidden word. Overall Benefits of Solving Word Puzzles Improved Effective IQ The title indicates that these Word Scramble puzzles are designed "To Improve Your IQ." Intelligence Quotient - IQ - is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect - lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Word Scramble, provide the necessary mental activity. Mental Exercise Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.



also free

Pixel Perfect Holiday Puzzles
http://www.amazon.com/Pixel-Perfect-Holiday-Puzzles/dp/B0063GIIK...

Pixel Perfect Holiday Puzzles is a logic puzzle game that challenges you to make a picture from numerical clues.

This sequel to the popular Pixel Perfect Puzzles gives you 50 new holiday and winter themed pictures to reveal. Each clue tells you where to draw a run of consecutive black squares. The clues in a row or column appear in the same order as the runs in the puzzle grid, with at least one empty square between each run. Start with the largest clues first, and then cross out squares that you know should be empty. This will allow you to narrow down the possibilities and logically determine the remaining squares.
The challenges can be tough, but there are 3 hints available on each puzzle to help you out if you get stuck. The game can even find and erase errors at any time. Time, hints used, and errors are tracked for each puzzle. Can you discover every picture?
If you like using logic to solve puzzles, you will love Pixel Perfect Holiday Puzzles!



Lapple+ Puzzle Book #2: 1000 Overlapping Words Puzzles
http://www.amazon.com/gp/product/B00G3ONQL2

Lapple+ puzzle is more challenging version of Lapple puzzle. If you are unfamiliar with lapple/lapple+ puzzles, you may be asking, What is a lapple/lapple+ puzzle? A lapple/lapple+ puzzle is an overLAPPing word puzzle. Each puzzle contains a word overlap from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string KIDNAPKINGDOMESTICATERRORIST, one finds the words KID, KIDNAP, NAPKIN, KING, KINGDOM, DOMESTICATE, CATER, and TERRORIST.
The overall benefits of working lapple puzzles include better memory, faster problem-solving skills, and increased alertness. Lapple puzzles help reinforce logic, critical thinking, and visualization. The mental exercise required to solve the puzzles provided in this book improves working memory.
Whether lapple puzzles are new for you, or you are already a lapple puzzle fan, this book will challenge you with lapple+ puzzles containing 161 letters (lapple puzzles contain 127 letters). Whatever the experience level or age of the solver child, adult, or senior lapple puzzles provide the puzzle solver with an activity that is not only fun, but also mentally challenging. Lapple+ puzzles have the solution words listed below the puzzle with letters reversed (Lapple puzzles have solutions listed in a different section of the book.)
Benefits of Lapple Puzzle Solving
In recent years, scientists have begun to pay more attention to the brain. The human brain is considered extremely complicated in its design and working. However, we know relatively little about how it works. We do know from studies that health benefits are derived from exercising the brain. Our minds, like our bodies, need stimulation and exercise. Working word, number, and logic puzzles provides that exercise for our brains.
Improved Focus and Attention
Puzzles can help your mind form new patterns and complex neural networks naturally. Scientists have found that your brain actually reorganizes itself in response to new challenges, and a lapple puzzle provides such a challenge.
Lapple puzzles also improve focus and attention while solutions are sought. Finding solutions requires a certain amount of solitude without distraction. Concentrated attention is an excellent skill to develop that will aid you in many areas of life.
Increased Mental Stimulation
Lapple puzzles provide you with an activity that is not only fun, but also mentally challenging. Thus, working lapple puzzles can increase your mental stimulation.
Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is derived from measuring problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. Your average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises.
Contrary to popular belief, your brain is capable of growth (effective IQ) and change throughout your life. The daily effective IQ can be increased by various mental activities, among them lapple puzzle solving.
Enhanced Thinking Skills
Adults do not realize while working puzzles that they are using thinking skills. Our brains learn new skills and acquire knowledge throughout our lives. Mastering puzzle-solving skills improves thinking.
Adults have a natural ability to play and be creative with words. Lapple puzzles can enhance and boost creative intelligence. This is a great opportunity improve the brain's overall health and longevity.
Improved Memory

Much has been made of the health benefits of doing brain puzzles. Puzzles require brain exertion (exercise). Therefore, puzzles improve memory and encourage better brain function. This can lead to improved concentration and memory.



What State am I?
http://www.amazon.com/gp/product/B00DNRE71U

This collection of rhyming poems is a fun and easy way to help anyone increase their knowledge of the 50 U.S. states and capitals. Written to help develop and exercise high level, critical thinking skills for children ages 9 years old or older, the book serves as a great educational tool and resource for both teachers and parents. It enhances both the school social studies and reading curriculums.
Books Deals

Amazon Coupons
g: 0 Posted By: ragingwookiee
Views: 131 Replies: 0 Click Hereand add the camera into your cart. A $10 off coupon will apply during checkout.

The PowerShot S100 is a sophisticated pocket-friendly point-and-shoot digital camera that has the power advanced users and enthusiasts need to create standout images. As with other PowerShot cameras, the compact PowerShot S100 incorporates all of the advanced Canon technologies that make capturing superb photos and video as easy as pressing a button. Yet, when it's time to get creative, the very same camera in the hands of a skilled photographer can produce stunning images that would be at home in a gallery. As automatic or manual as you need it to be, the PowerShot S100 is, at once, a pocket camera and a serious photographic tool, impressing even demanding pros. It incorporates the Canon HS SYSTEM, now featuring the new DIGIC 5 Image Processor for enhanced image quality and amazing low-light performance. The fast f/2.0 lens helps you tackle unfavorable lighting and capture breathtaking portraits with beautiful, shallow depth-of-field. 12.1 Megapixels ensure crisp, richly detailed images, and a 5x Optical Zoom provides an excellent all-around range to shoot near or far.
Cameras Deals

Canon Coupons
g: 0 Posted By: tedhawkins
Views: 7 Replies: 0 *Lowest* NETGEAR Powerline 200Mbps to N300 Wi-Fi Access Point (XAVNB2001) $69.99 Fs QW via Amazon

http://www.amazon.com/NETGEAR-Powerline-200Mbps-Access-XAVNB2001...

Wired and wireless access
Automatic push button wireless setuphome users/media enthusiasts)
Pick-a-Plug for simple troubleshooting
Energy saving features
Best in class performance and reliability
Automatic push button wireless setuphome users/media enthusiasts
Supports Windows 8
Fiskars X7 14 Inch Hatchet - $17.49 on Amazon
Added on : Sunday October 12th 2014 04:00:04 PM
g: 1 Posted By: jrtang
Views: 231 Replies: 0 Fiskars X7 14 Inch Hatchet

Easy-to-carry hatchet is perfect for hikers and outdoor enthusiasts who chop kindling and small- to medium-sized logs
Chops up to three times deeper than a traditional axe to chop more efficiently
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won;t break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

MSRP: $29.99, but usually about $25 on Amazon

Free shipping with prime or $35+

http://www.amazon.com/Fiskars-X7-Inch-Hatchet-78506935/dp/B0002Y...
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Amazon Coupons
g: 0 Posted By: DaysFan
Views: 79 Replies: 0 Glass Teaball Mugs With Silicone Diffuser, 4/Pack, Assorted Colors http://www.staples.com/Glass-Teaball-Mugs-With-Silicone-Diffuser-4-Pack-Assorted-Colors/product_SS3646556#desc_contentNow $34.99 - Save 45%!Enjoy the simplicity ofa tea ball, but in a stylish design.The silicone tea ball diffuser added to hot water makes a perfect cup of tea. Open tea ball and insert loose leaf tea, then set into boiling water. Set includes a mug with handle, silicone band heat guard, silicone saucer and silicone floating tea ball diffuser.

16.75-Ounce capacity
Includes silicone tea ball diffuser
100-Percent BPA Free
Great for any tea enthusiast
Stain resistant

http://www.staples.com/Glass-Teaball-Mugs-With-Silicone-Diffuser-4-Pack-Assorted-Colors/product_SS3646556#desc_content2 Days left to buy
g: 0 Posted By: gr8f8
Views: 21 Replies: 0 Looking for a fee CFP with RSU and california real estate experience,
age 50, in california, looking to have basic(50-70Kper year) option for retirement(no pension,non gov. married only 1 income) by 54

Thought of three threads but will pose the three questions here, this is a one time situation in my life which has to be addressed by end of year

1)Tax related- RSUs vested and company took 54% to pay gov. (tagged to my income say 500K), by time that company let me sell My short term capital gains was actually a loss of 200K which I'm told I can only offset against other capital gains and not my income. Thus I have a 200K loss and I don't play in the stock market since 2007, and was told I'd be in AMT this year so home interest deduction and donations and persinal are out
I've got 4 rentals, 1 owned outright and 3 with mortgages(>50% equity, loans 4.25-4.5%).They make 30K a year which is covered by their depreciation, except if I'm in AMT. Which I've been told this year I am. Thinking of selling one with all about same value same area etc and would have gain of 170K. Then if one with mortgage pay off other two mortgages. This would recoup most of the loss this year(I usually have no capital gains.I believe the biggest increases in real estate are over for now until interest rates go back to normal but if we are in Japan situation, that can be a long time.

2)Been looking for an entry point with IRA that has been cash since 2007(say 200K), some thoughts since markets have gone down some,
I'm diversified into real estate already so thinking equities for 3-6 years
Have looked for a point to start to invest
Like dollar cost averaging since if his is the long slide(think Japan) I didn't buy at top and get more on way down, If it goes back up then at least got some at discount. If it goes flat not loosing anything
For time duration=D of reentering
Look at last 4 corrections take maximum duration=D
Frequency? No clue but for right now I'll say 10, so 20K per investment
a) Look at the best world wide dividend stocks which are available take top ten and buy 20K per Dmonths
b) do dividend ETF for us and then 1 for emerging markets, if dollar is strong(will take today as start) like now buy emerging if weaker buy US every Dmonths
Planning to convert to ROTH after retirement in 3-6 years if early retirement at lower tax base.


3) Have say 300K cash Owe ~250K on house at 4% since home deduction blown this year and probably next year(AMT) thinking of paying off as then I would be 1 step closer to retirement options in next 3-6 years.
I don't see any other investments, On the shows I listen to they always talk about getting 6-8% like it is guaranteed, at least this 4% is.

It's weird that my accountant told me that even though I have a short term capital loss of 200K I may owe a lot of taxes because of AMT this year. My with holding was based on my regular deductions

Any thoughts?
Thanks
Discussion Deals
BBE 882i Sonic Maximizer $129.99 Fs @ MF
Added on : Saturday October 11th 2014 04:00:02 AM
g: 0 Posted By: tedhawkins
Views: 2 Replies: 0 BBE 882i Sonic Maximizer $129.99 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The BBE 882i Sonic Maximizer is perfect for pro studios, sound reinforcement, clubs, and other venues requiring balanced outputs. Designed for uses requiring low noise, high headroom, and +4dBu input levels. It provides either stereo processing or processing for two separate mono channels, brightening, clarifying, and adding fullness to the sound. Features 5-segment LED output meters, +23dBu headroom, XLR and 1/4" stereo inputs and outputs, hardwired bypass, and a bypass switch for comparison of processed to unprocessed signals. Single rackspace.

The BBE Process--"What it Is"

Loudspeakers have difficulty working with the electronic signals supplied by an amplifier. These difficulties cause such major phase and amplitude distortion that the sound reproduced by the speaker differs significantly from the sound produced by the original source.
In the past, these problems proved unsolvable and were thus relegated to a position of secondary importance in audio system design. However, phase and amplitude integrity is essential to accurate sound reproduction. Research shows that the information which the listener translates into the recognizable characteristics of a live performance are intimately tied into complex time and amplitude relationships between the fundamental and harmonic components of a given musical note or sound. These relationships define a sound's "sound".
When these complex relationships pass through a speaker, the proper order is lost. The higher frequencies are delayed. A lower frequency may reach the listener's ear first or perhaps simultaneously with that of a higher frequency. In some cases, the fundamental components may be so time-shifted that they reach the listener's ear ahead of some or all of the harmonic components.
This change in the phase and amplitude relationship on the harmonic and fundamental frequencies is technically called "envelope distortion." The listener perceives this loss of sound integrity in the reproduced sound as "muddy" and "smeared." In the extreme, it can become difficult to tell the difference between musical instruments, for example, an oboe and a clarinet.
BBE Sound, Inc. conducted extensive studies of numerous speaker systems over a ten year period. With this knowledge, it became possible to identify the characteristics of an ideal speaker and to distill the corrections necessary to return the fundamental and harmonic frequency structures to their correct order. While there are differences among various speaker designs in the magnitude of their correction, the overall pattern of correction needed is remarkably consistent.
The BBE Process is so unique that 42 patents have been awarded by the U.S. Patent Office.
Features

+4dBu balanced line (1/4" tip-ring-sleeve and XLR inputs and outputs)
+23dBu headroom
Active balanced outputs
Hardwire bypass

g: 2 Posted By: wizwor
Views: 470 Replies: 3 Direct from Real Simple Software, these are $199.99. Amazon lists them for $118. WalMart lists them for$147.83.

Let's start by saying this is a Simple DVR not a Silicundust HD Homerun. Silicondust happens to manufacture the devices. This is the modified two tuner model of the Simple DVR. First generation was the single tuner STV-1000 which was a kickstarter campaign. They later released a two tuner STV2-2ATSC. This device had a fan, got really hot, consumed the lubricant in the fan, got noisey, and failed. They refitted these with ventilated covers and modified the software to make the device run cooler and the fan run less. There is no way to distinguish between these models except to look for the ventilated cover. The Newegg images indicate a ventilated cover, and there is no indication that these are refurbished, so I assume this is the modified STV2-2ATSC.

This is a standalone device -- no PC is required. There is no cable card version.

This DVR requires some kind of subscription service to function. The basic version is free but limited to interactive use (watch, pause, record, etc.). The premier service let's you schedule recordings without regard to time and channel. This costs $60 per year or $150 for lifetime.

Here's a tip: If you decide you like the premier service, you can buy an STV-1000 with lifetime for less than $100 on eBay -- save $50 on the subscription and get a free dvr!

So, what is a Simple DVR? The Simple.TV DVR is a whole house Tuner/DVR for broadcast television. According to the manufacturer, Simple.TV is the first personal DVR that streams live and recorded TV to your favorite devices, wherever you are. Get all your broadcast TV favorites on your iPad, PC, Mac or Roku box. It plugs in to your antenna, ethernet, and usb drive, but not your television. To watch the Simple DVR on your television, you need a Roku. Up to five devices can access live or recorded programming concurrently, but there are only two tuners, so all people watching live programming must watch the same channels.

What Does This Do? In the most common configuration, you attach the DVR to your antenna and LAN and use a Roku to access the DVR from your television. You can use the tuner to watch live television from your antenna or play files already stored on the DVR. You can pause, rewind, or fast forward the programming, delete files from the DVR, and schedule recordings (one episode or all episodes) with the Roku. If you have more than one DVR, you can switch from one DVR to another.

Remote access is excellent. Image quality and buffer management are good enough to enjoy live and recorded programming via public wireless networks. My mother can use my antenna to watch broadcast television via a Roku at her home which has poor reception. There are iOS, Android/Kindle Fire, Windows 8, and Plex apps for the Simple DVR. I cannot speak for the iOS app, but the Android app is amazing. The Plex app only supports playback (no live tv or file management), but you can use it to watch your recordings on many devices including the Amazon Fire TV.

What Doesnt This Do? With the current software, you cannot watch the video as you rewind and fast forward and there is no slow motion or frame by frame review. You cannot do time based recordings (record channel 38 from 3pm to 8pm weeknights). Id really like to see a Play All and/or Play List option for recordings and it would be great if the Premier software managed all DVRs as one choosing the next available tuner, showing all programs in a single browse window, etc. Finally, and this is a big deal for me, it doesnt work at all when you have no internet connection. It will record scheduled shows, but you cannot watch live tv or your recordings.

This is NOT for cable TV. While the STV-1000 officially supports Clear QAM, this model does not.

Support I have been very disappointed with Simple support. The documentation is sparse, the support site is inaccurate, and email support is sporadic. Worse, they dont seem to know any more about the product than I do. The best help has come from the user community. I hope this changes. Its easy to see how nontechnical users could become frustrated.

Installation The setup process is very straightforward. You have to use specific browsers to configure the device. I have used Chrome and Firefox. Internet Explorer does not work. It seems that security software can interfere with the process as well. Security settings and ad-blockers can cause problems with the discovery and configuration process.

- Plug DVR into your network, a usb disk, and your antenna
- Open your browser to [url]http://simple.tv[/url], sign into your account (or create an account)
- Activate your lifetime subscription
- Click Activate Your DVR
- Select the DVR to register
- Prepare your disk
- Scan for channels

Downloading Recordings This DVR allows you to download recordings as MP4 files. The recordings do not look as good as the files look played directly from the DVR.

You Will Love the Simple DVR If

- Your home is situated such that television signals come from multiple directions. Instead of using a rotor or combiner, you can install one or more DVRs for each market and access the antennas via a Roku.
- Your home is not pre-wired with coax. Run coax from the antenna to your router and install the Simple DVR(s) next to the router.
- You have to have a television where no one thought to install coax. A Roku brings live tv to your remote television.
- You want to watch tv by the pool or on the deck. Simple can stream to a laptop, a tablet, or a wireless Roku by the pool.
- Your remote vacation home does not have television but does have internet access.
- You travel a lot and hate infomercials.
- All your favorite shows air when you are at work.
- You want to share antennas with a friend in a different market

You May Not Love the Simple DVR If

- You have poor broadcast reception
- You need visual cues when fast forwarding or rewinding a program
- You have a poor network in your home

I love the Simple DVRs. After two months with the dual tuner Simple DVR, I give it two enthusiastic thumbs up.

Happy shopping!
Electronics Deals

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

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

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

>> Game Play Basics:

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

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



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

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

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

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

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

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

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

_____________________

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

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

Among Road Inc's all inclusive features (no additional cost - no paying options, ever) :
* 50 landmark automobile models to unveil and explore, from the Ford T to the Bugatti Veyron. (With more to come).
* An interactive 3D museum tour allowing to explore every single angle of 50 road icons.
* Over 3,000 Archival documents including brochures, yearbooks, blueprints, adverts, plans, press articles and more...
* Over 70 videos including race archives, interviews, commercials and more...
* More than 350 high definition studio photographs from the most acclaimed automotive photographers
* More than 100 roaring engine sounds for the full experience
* Over 350 pages of original in-depth feature essays
* AirPlay support for videos, music & engine sounds(streams audio directly to your Hi-Fi speakers or Apple TV)
* Social content-sharing features (Facebook, Twitter, email)


Apps Deals

iTunes Coupons
Walmart CREE 150-Lumen Headlamp - $7.00 free ship to store
Added on : Wednesday October 08th 2014 02:00:04 AM
g: 0 Posted By: cantstop
Views: 113 Replies: 0 WalMart has the Ozark Trail 150-Lumen CREE Headlampfor $7.00 (was $12.88) with free ship to store or free ship over $50.
Deal
These headlamps are great for hiking and around the house when you need a hands free flashlight. My neighbor uses his when he cuts the grass.

More info:

Ultra-bright LED technology
Ozark Trail headlamp features high, low and red modes
Impact-resistant construction
Lifetime bulb
Requires 3 AAA batteries (included)
Tested to ANSI FL1 standards
High setting: 150 lumens, 6 hour run time, 90M beam distance, 2M impact resistance
Low setting: 15 lumens, 66 hour run time, 28M beam distance
Red setting: 2 lumens, 35 hour run time
Color: Gray and orange
Material: Nylon and plastic
Dimensions: 2.1"L x 1.6"W x 1.3"H
Model# 20040
Ideal for outdoor enthusiasts
Can be used for auto-repairs, garage projects and emergency situations

Sports & Outdoors Deals

Walmart Coupons
Canon EOS Rebel T5 18 Megapixels Digital SLR - $499.99
Added on : Friday October 03rd 2014 09:00:05 AM
Perfect for families, budding photo enthusiasts and first-time SLR users alike, the EOS Rebel T5 makes it easy to capture movies and photos that ar...
Free Christian Audio Book - He Wins, She Wins
Added on : Thursday October 02nd 2014 08:00:25 AM
g: 1 Posted By: remick
Views: 160 Replies: 1 http://christianaudio.com/free/

He Wins, She Wins begins with one simple rule: Never do anything without an enthusiastic agreement between you and your spouse. Sharing the secrets behind his marriage of over fifty years--and the marriages of the thousands of couples he's counseled, Dr. Harley's book will compel you and your spouse to grow in your love for each other. - See more at: http://christianaudio.com/free/#sthash.rnQ7hH9y.dpuf
Totally Free Deals
K3 Waterproof Camouflage Dry Bag $34.99$59.99 + SH @ Woot
Added on : Thursday October 02nd 2014 07:01:03 AM
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 shipping adds $5

Your Choice:
1.5 Liter Dry Pack

Technical Dry Pack uses innovative heat sealed straps and no zips so impenetrable by water
Keeps your gear dry in the harshest of conditions
Class 6 Waterproof rating
Protection from rain, snow, sand, water and dust
Belt/Clasp Option
Dimensions: 4.52" x 2.95" x 5.9"

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
10 Liter Dry Tube

Technical Dry Bag uses heat welded seams and no zips, thus in-penetrable by water.
Top roll down closure system and optional shoulder carry strap
Two D-Ring options for should, carry or transport needs
Keeps your gear dry in the harshest of conditions
Class 6 Waterproof rating
Protection from rain, snow, sand, water & dust
Dimensions: 18.75" x 12" x 8"

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
15 Liter Shoulder Pack

Technical Dry Bag uses heat welded seams for maximum strength and moisture control.
Two D-Ring options for shoulder, carry or transport needs
Carry Top Handle, Buckle Closure, Daisy Chain & O-Ring Features
Single Shoulder Strap with spring pin closure. Allows to switch shoulder (s) quick & easy.
Interior Zippered Mesh Pocket and organizer option (s)
Class 3 Waterproof rating due to zipper closure: not intended to be submersed
Weatherproof Exterior Zip Closure
Protection from rain, snow, sand, water spray & dust
Dimensions: 15.74" x 8" x 4"

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
20 Liter Back Pack

2 way closure system: Top roll down and/or side buckle closure
Padded shoulder straps, padded lumbar, slim-line adjustable waist belt
Technical Dry Bag uses innovative heat sealed & welded seams, thus in-penetrable by water
Weatherproof exterior zippered pocket
Keeps your gear dry in the harshest of conditions
Class 6 Waterproof rating interior compartment
Protection from rain, snow, sand, water & dust
Dimensions: 23" x 11.5" x 6"


http://sport.woot.com/offers/k3-waterproof-dry-bag-your-choice-1
Luggage Deals

woot! Coupons
g: 2 Posted By: lousygolfer
Views: 134 Replies: 0 Benjamin Prowler $74.99 @ Airgundepot.com

Benjamin Prowler .177 caliber air rifle w/ Nitro gas piston, refurbished- this is a break barrel single-shot pellet gun powered by a gas piston, not a louder spring (breaking the barrel and pulling it back compresses the piston - no multiple pumps required) - . $74.99 + S&H (was $10 ground for me) at www.airgundepot.com. This is by far the cheapest I've seen a gas piston-powered break barrel air rifle, which should be quieter than a spring gun plus it can be left cocked, which one cannot do with a spring piston gun without ruining the spring. Gas piston riflesare usually in the $120+ range and can go up to $1000 fora high end German rifle. Since this is a refurb, it has a shorter warranty, only 30 days I believe, and Airgun Depot likely has a limited stock of these, so if you're interested, you probably want to jump on this deal.

This is made by Benjamin/Crossman in China, so it's not up to the quality standards of a Weihrach, RWS/Diana, Feinwerkbau, etc... Most people say it's decently made, though, it's powerful (1000 fps w/lead pellets, 1200fps w/alloy pellets - about the velocity of a .22 Short rimfire cartridge but with less energy), fairly easy to cock and pretty accurate with the right pellet (may need to try quite a few brands and models of pellets, but most Benjamin and Crossman guns seem to shoot best with Crossman Premier pellets). Biggest complaints are mainly the same as with any sub-$200 air rifle, that the scope isn't high quality and the trigger is too heavy, too sloppy and/or has too long of a pull; I believe one can replace the trigger pretty easily with a high quality aftermarket two-stage trigger that costs about $33, made by a retired airgun enthusiast going under the name of Charlie Da Tuna - www.charliedatuna.com- per a lot of reviews and comments at Pyramid Air Gun Mall (www.pyramidair.com) the guy is legit and makes a very high quality trigger.

From Benjamin's website:

Boasting a lighter and smoother cocking force than other rifles in its class, the Prowler break barrel air rifle generates sizzling velocities up to 1200 fps. Featuring the patented Nitro Piston technology, the Prowler air rifle has reduced recoil and shoots with 70% less noise than other break barrels. With its rifled steel barrel, two-stage adjustable trigger and CenterPoint 4x32mm scope, the Prowler delivers power and accuracy in a contemporary package.

All-weather stock
CenterPoint 4x32mm riflescope
Rifled steel barrel
Adjustable, two-stage trigger
18 foot pounds of energy (fpe)

SPECS:

Model Number: BPNP17X
Pellet Velocity: Up to 1000 fps
Alloy Pellet Velocity: Up to 1200 fps
Weight: 6.4 lbs
Length: 45 in
Mechanism: Break Barrel
Power Source: Nitro Piston
Caliber .177
Ammunition: Pellets
Capacity: Single Shot
Barrel: Rifled Steel
Optics: 4x32 mm
Safety: Lever
Stock: Synthetic

Guns & Ammo Deals
g: 0 Posted By: tedhawkins
Views: 80 Replies: 0 *Lowest Ever* Hawking HD45X Hi-Gain Dual-Band Wireless-N Range Extender $79.99 w/ coupon Fs Prime Amazon

http://www.amazon.com/gp/product/B007B5PRA0/

Clip $10 OFF coupon

The Hawking Hi-Gain Dual-Band Wireless-N Range Extender repeats wireless signals from any access point or router with a 2.4GHz or 5.0GHz wireless signal. Compatible with 802.11a/ b/g/n networks, the HD45X is an ideal solution to upgrade and improve your wireless experience. It's an essential component to accommodate the growing demand for high-definition content, like streaming high-definition video, online gaming, etc. The HD45X doubles the size of your Wi-Fi network at up to 450Mbps, or 3 times faster than a standard wireless 150Mbps range extender.

Hawking HD45X
The HD45X doubles the size of your Wi-Fi network at up to 450Mbps. View larger

Hawking HD45X

Hawking HD45X Hawking HD45X
The Benefits of Dual-Band

The 2.4GHz frequency is the most commonly used wireless bandwidth. It also has limited bandwidth for multiple activities, such as sending emails, video chatting, streaming movies, playing games, etc. In addition, the same 2.4GHz frequency is used by other wireless routers in the area, as well as some common household devices such as cordless phones and microwaves. This causes interference and major backlog with your online activities. Dual-Band technology fixes these issues by providing the 5.0GHz frequency. This allows compatible devices to connect to the more open 5.0GHz channels, eliminating the 2.4GHz interference, thus speeding up your internet.

Dual-Band Versatility

Because the 2.4GHz frequency is the most commonly used, interference with other 2.4GHz networks is inevitable, limiting your network speed and performance. With the availability of the 5.0GHz frequency, users can circumvent this interference and optimize their Wi-Fi connectivity.

Hawking Dual-Band Performance

While the 5.0GHz runs at a higher throughput rate, its wireless strength is limited. The HD45X increases the signal strength and provides doubles the wireless distance for you dual-band network. As a result, it provides a stronger and more solid wireless connection to improve overall performance, such as improving the data transfer speed and reducing lag while streaming or downloading multimedia content (video, music, etc.). Seamless Roaming is a unique feature that mirrors existing network settings for ultimate mobility with all your Wi-Fi devices.

In addition, Hawking Dual-Band Wireless-N Range Extender promotes data speeds of up to 300Mbps for 2.4GHz frequency and 450Mbps for 5.0GHz frequency. This means users can have more bandwidth and transfer more files in less time.

Ultimate Mobility With The Seamless Roaming Feature

Unlike most repeaters in the market that create a separate Wi-Fi network, the HD45X comes with the innovative seamless roaming feature. It automatically integrates the existing settings into the extended network. This provides an uninterrupted wireless connection while roaming between the original wireless network and the extended network.

Upgradable Antennas

With three removable antennas, the HD45X has multiple upgrade options to accommodate more range-demanding environments. Simply remove the supplied antenna and connect your chosen antenna for an instant, painless upgrade. (Upgrade antennas are sold separately.)

Hassle-Free Installation

The HD45X is quick and easy to install using a Wi-Fi enabled device (i.e. tablet, smartphone, Mac or Windows computer). Hassle-free means there is no Ethernet cable or CD required for the installation. Simply power up the unit, use a Wi-Fi enabled device, and login in on the setup page. This installation feature lets you configure and set up the HD45X within minutes.

What's in the Box?

Hawking Hi-Gain Dual-Band Wireless-N Range Extender, three 3dBi Hi-Gain omni-directional antennas, Mac/PC CD (includes User's Manual and Support Utility for PC), RJ-45 Ethernet cable, power adapter, Quick Installation Guide, warranty.

System Requirements

A wired or wireless network device; smartphone, tablet, Windows or Mac Computer
Web browser (Microsoft Internet Explorer 4.0 or above, Netscape Navigator 4.7 or above, Opera, Mozilla Firefox, or Safari)
An available AC power socket (100-240V, 50/60Hz)
Access to a wireless Internet connection
Technical Specifications

Frequency: 2.4 GHz and 5.0 GHz
Data Rates*: 2.4 GHz, up to 300Mbps; 5.0 GHz, up to 450Mbps
LAN: 5 x 10/100/1000Mbps
Wireless Standards: IEEE 802.11 a/b/g/n
Security: 64/128-bit WEP, WPA, WPA2 securities, and IEEE 802.1x authentication
mimo Technology: 2T2R (2.4GHz) and 3T3R (5.0GHz)
Antennas: 3 x 3dBi Dipole Antenna (External / Removable)
Operating Temperature: 0~40 degrees Celsius
Storage Temperature: -20~60 degrees Celsius
Operating Humidity: 10~90% (Non Condensing)
Storage Humidity: Max. 90% (Non Condensing)
Power: 12V, 1.25A Switch Power Adapter
Dimensions: 7 x 4.5 x 1.25"
Weight: 0.7 lb
*Maximum wireless signal rate complies with the IEEE 802.11 standard. Actual throughput will vary depending your network environment.

Product Description
This highly efficient access point is the best choice for Small office/Home office users. It allows computers and network devices to gain wireless access in several modes throughout their network. Easy install procedures allow any computer user to setup a network environment in a very short time. With built-in dual band 2.4GHz and 5GHz radios, this access point supports the IEEE 802.11b/g/n and IEEE 802.11a/n wireless network standards simultaneously. All computers and wireless-enabled network devices (including PDA, cellular phone, game console, etc.) can connect to this wireless access point without additional cabling. 802.11N wireless capability also gives you the highest wireless speeds. With a compatible wireless card installed in your PC, you can transfer files at up to 750Mbps (combined 2.4GHz and 5GHz transfer data rate)!
Networking Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 112 Replies: 0 Save your favorite coffee length and strength

You will always get a perfect cup of espresso brewed according to your personal preference, thanks to our memo function which allows you to adjust the coffee length and strength to suit your taste. Enjoy a superb coffee drink in your favorite cup with just the press of a button.

Play with the coffee's richness with our adjustable grinders

Different coffee blends require different levels of granularity for the full flavor to unfold. The grind granularity of this espresso machine can be adjusted in 5 settings, from the finest grind, for a full bodied espresso, to the coarsest, for a lighter caf crme.

Easy cleaning thanks to removable brewing group

The brewing group, a Saeco invention, is the heart of our espresso machines, ensuring automation. The brewing group is, depending on the model, easily accessible from the front or side. It can be removed effortlessly for easily cleaning by rinsing under the tap ensuring maximum hygene.

Coffee without burned taste thanks to 100% ceramic grinders

This espresso machine is equipped 100% ceramic grinders. Saeco uses ceramic grinders because of their consistent grind without overheating the Coffee Bean for an impeccable espresso. Ceramic also ensures long-lasting performance and a totally silent operation.

Coffee without the wait thanks to the quick heat boiler

The Saeco quick heat boiler technology ensures your machine is always ready. Now you won't have to wait between brewing each espresso, but can prepare coffee after coffee.

Delicious milk froth thanks to the classic milk frother

This Saeco espresso machine comes with the classic milk frother, which baristas call "Pannarello". It dispenses steam and needs to be immersed in the milk to prepare gorgeous milk foam. Unleash your inner barista by preparing your delicious milk specialties the traditional way!

Avoid heat loss and fit every cup with our adjustable spout

The adjustable spout on our espresso machines will fit every cup and thus prevents the coffee splashing or cooling down while pouring in your cup. This way your espresso is always served at the right temperature while maintaining a clean machine.

Easy cleaning thanks to dishwasher-safe parts

For your convenience, you can put the Saeco's drip tray and milk frother or milk carafe in the dishwasher. This will save time and ensure a hygienic cleaning.

Always a clean machine thanks to auto-clean and descaling

Saeco designed this espresso machine to automatically clean its coffee circuit with water upon starting up or switching off of the machine, this delivers a great, fresh taste with each cup of coffee. Regular descaling prolongs your espresso machine's life. This machine will not only prompt when descaling is needed, the automated descaling process will start on your machine and guides you with clear on-screen messages when you have to intervene. Descaling has never been so easy

www.ebay.com/itm/Philips-Saeco-Syntia-Focus-Automatic-Espresso-M...
Appliance Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 141 Replies: 0 The Crumpler 5 Million Dollar Home Camera Bag is a 900 denier, water-resistant, nylon shoulder bag made to carry photo gear with accessories. The bag can be customized using the 2 moveable dividers in the main section. It has a 2 strap with 2 buckle closure and a touch fastener Silencer flap that prevents the "hook and loop" closure from being used.

There are four pockets for accessories and the bag is carried by a padded handle or an attached, adjustable shoulder strap. It is suitable for a compact digital SLR, standard ('kit') zoom lens attached, or DV cam and accessories. E.g. EOS Rebel XT/350D, 30D, D70, D200 (without battery grip) & attached lens up to 6"/15cm long & external speedlight & second lens up to 8"/20cm long.

The Crumpler MILLION DOLLAR BAG is commonly used for Daily transport, Travel and more.The Crumpler MILLION DOLLAR BAG is most used by customers who consider themselves to be a Photo enthusiast among others.The Crumpler MILLION DOLLAR BAG is popular because customers like the following qualities of the Crumpler MILLION DOLLAR BAG: Comfortable strap, Compact, Durable, Good protection and Lightweight.

www.adorama.com/CL5MDHNY.html



Crumpler 4 Million Dollar Home Shoulder Bag for Compact Digital SLR Camera, - Navy/Rust $35
www.adorama.com/CL4MDHNY.html
Cameras Deals

Adorama Coupons
g: 0 Posted By: tedhawkins
Views: 190 Replies: 0 The Official Gun Digest Book of Guns & Prices (9th Edition - 2014) $15.99 + $3.99 Flat shipping

http://www.gearhog.com/

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


You'll appreciate this gun price guide if:

+ You like antique guns or are a gun collector
+ You're looking to buy or sell a firearm and need accurate and up-to-date gun values
+ You want updated firearm values for a non-military cartridge firearm

Everything you need - and nothing you don't!

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

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

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

In The Official Gun Digest Book of Guns & Prices, 9th Edition you'll find:

+ Pricing information across six condition grades
+ 15,000+ firearms listings arranged by manufacturer, A-Z
+ Hundreds of new models and updated values

About the editor:

Jerry Lee has been editor of several leading magazines in the firearms industry, and is the current editor of both Standard Catalog of Firearms and the annual Gun Digest volume, in addition to editing The Official Gun Digest book of Guns and Pricesfor the past several years. He is a life-long hunter and shooter, an NRA Life Member, and the author of several articles for the NRA website.



Books Deals
g: 0 Posted By: giantsfan2
Views: 195 Replies: 0 This is very similar to the popular deal posted a few days ago by MisterCheap. The TopCashBack portal no longer allows purchasing the Samsung Entro or another cheap phone to get $35 Cash Back. Thus, that thread has been sent to Expired Deals. However, the BeFrugal portal still has $35 Cash Back. Its list of phones allows the Entro, Kona, and many others. So, if you were busy this weekend and missed that offer, here's how to get this (and thanks to MisterCheap for his instructions that I've copied almost verbatim):

1. you must be a member of BeFrugal dot com (or join) go to their website FIRST

2. go to Virgin Mobilestore link on their site, click thru on $35 CB offer they have listed

3. Buy the $14.99 + tax for the SamsungEntro phone (ship it to yourself)

4. Get $35 back in CB within a week.

TopCashBack wrote several long-winded paragraphs that this deal is limited to one per person and should not be abused. BeFrugal has no such instructions. I'd guess there's a good possibility that Virgin Mobile may deny Cash Back for multiple phones sent to the same address recently but it's up to you if you want to try.

Virgin Mobile Deals
Considerations For Buying A Primary Home In Cash - No Mortgage
Added on : Wednesday September 24th 2014 06:00:18 AM
g: 0 Posted By: robronson
Views: 109 Replies: 4 I've never owned a home, though I consider it as a possibility in the next few years. I'm a life long renter in my 30s and have always chosen to live in modest cost of living areas. My rent over the last 10 years since I left college has been no more than $1000 per month in any place I've lived, and typically in the $600/month range. I have no interest in living in a place like NYC, LA, SF, Seattle, and that's pertinent to this post because if I did want to live there, then this strategy would be impossible.

I've built a nice nest egg in the $300k range and am shooting for early retirement, roughly in the $700k to $1M range in late 30s, early 40s. Currently able to net and save around $100k per year after taxes/living expenses and if I can keep that up, I'm well on track.

One of the major reasons for me avoiding home ownership is the mortgage process in general. While it may seem like a routine thing for most, I have a stronger-than-most protection of my privacy, and the process of getting a mortgage, for me, in my mental state, falls somewhere in the middle between root canal and prison rape. No need to go into details of my psychological fears of showing a stranger my finances, employment, and credit history, because it's how I feel and strangers commenting on this post won't fix me.

Thus, if I want to own a home, I would almost certainly do so with "cash" (certified check or whatever). Most of the areas I want to live have really nice homes in the $150k to $200k range. Given I am netting $100k per year (after living expenses, to my savings account), I can save enough money for a house in 2 to 3 years.

If I can get the liquid cash to buy a home in 2 to 3 years of work, should I do it? Any downsides? The alternative isn't getting a mortgage because I won't get a mortgage. Discussions about opportunity cost for lack of tax credits from mortgage interest aren't applicable to my situation. My alternative is continuing to rent.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 137 Replies: 0 Levin Solstar Solar Panel Portable Charger 5000mAh - Rain/Dirt/Shockproof - Dual USB $23.99 w/code Fs Prime - Levin via Amazon

http://www.amazon.com/Levin-Shockproof-Portable-External-Adapter...

Apply $4 OFF code QYCTFXCR

Rated 3.9 out of 5 stars from 452 reviews

The first rain-resistant &shock-proof portable solar charger on the planet; Solar energy technology, environmental friendly and could recharge itself under sunshine for emergency purpose when outside; Solstar can charger your iphone about 50% to 60% juice for emergency after being solar charged for 7 to 8hrs under normal sunlight, It's not easy for 1.2W input Solar panel to fully charge the buit-in battery with sunlight, thus, we suggest it for casual use,For long trip,hiking, Levin Sol-wing+solstar would be a perfect choice. . Water resistant design ensures the device functions smoothly when it's raining; Shock-proof feature ensures the device working properly even it crashes or drops.
Grade A cell, Build-in 5000mAh Lithium Polymer battery which chareges via a powerful 1.2W monocrystalline solar panel ; 2.1A output allows for simultaneous charging of your devices at high speed ;Anti-explosion, lightweight, compact and reliable, 1000+ recharge cycles over the life of the battery. Please do not place Solstar on over-heated place for continuous charging. Solstar is with built-in Polymer battery, one of the safest battery in the world, which are not possible to explode even over-heated, but it might swell up.
The LED flashlight works perfectly in darkness, especially for emergency. Just press the button twice, the LED will light up; 4 LED status of charge indicators indicate the charging and discharging process.
Compact, portable & stylish design; Easily fits into your bag to provide instant power; Football grain design has anti-skid protecting effect ;
Package includes: Levin&Trade; Solstar External Battery, hook, micro USB cable, instruction manual.


Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Mountain Hardwear Wicked Lite S/S Tee $19.95 Usoutdoor Fs on $40+ (available in 5 colors)

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

Mountain Hardwear's Wicked Lite Short Sleeve Tee is an ultra-lightweight, technical tee for the outdoor enthusiasts who appreciate a shirt that is quick drying and moisture wicking with an antimicrobial finish. There are a lot of activities out there that could require a shirt like this so make sure you're prepared with the right gear.
Features of the Mountain Hardwear Wicked Lite S/S Tee

Fabrics/Materials: Wicked Taper SD
Moisture Wicking: Yes- Plus Antimicrobial finish
Quick Drying: Yes
Back Length: 27 in.
Weight: 4.3 oz
Fit: Active
Flat-lock seam construction eliminates chafe
Reflective trim for visibility


Clothing Deals
g: 0 Posted By: jskins
Views: 256 Replies: 0 Razer Naga MMO Gaming Mouse - $29.95 with Free Shipping at WalMart with iSave.

Mechanical 12-Button Thumb Grid
Tilt-Click Scroll Wheel
Precision Ergonomics
In-game MMO Configurator
19 MMO Optimized Programmable Buttons
8,200 dpi 4G Laser Sensor
ARM 32-Bit Processor
1000Hz Ultrapolling
Green LED Backlighting


This mouse is currently selling at Amazon for $89.72.
Keyboard & Mouse Deals

Walmart Coupons
g: 0 Posted By: tedhawkins
Views: 117 Replies: 0 Petzl NAO Rechargeable Headlamp with Self Adjusting Reactive Lighting Technology $131.21 Fs @ Campsaver

http://www.campsaver.com/nao-headlamp


With REACTIVE LIGHTING technology, the brightness of the NAO headlamp adapts instantly and automatically to the environment. The headlamp thus provides maximal brightness (7 to 575 lumens), a longer burn time, along with greater usability and fewer manual interventions. The rechargeable Lithium-Ion battery is suitable for frequent use.
Reactive Lighting technology has a sensor to detect ambient lighting, allowing it to adapt its beam pattern and power instantly and automatically to lighting needs
Keeps the hands free longer
Makes optimal use of the energy source
Two lighting modes: Reactive Lighting & Continuous mode
Li-Ion rechargeable battery performs well at low temperatures
Rechargeable with the integrated USB connection
Batteries can be replaced with two AAA/LR03 batteries(reduced performance)
Multifunction on/off switch can be locked to avoid accidentally turning it on when stored/transported
Includes top strap for technical activities
Petzl's 3 year guarantee
Customized lighting:
Download Petzl software for free: www.petzl.com/OS
Regulate the light intensity, lighting time and distance based on the activity
Register up to 4 activity profiles on the headlamp based on your needs
Create up to 5 lighting levels per mode
Create and share personalized profiles
Specs
Brand Petzl
UPC, EAN, ISBN 3342540099593
Weight 6.5 oz / 187 g
Oversize Details No
Brightness No
Battery Type Lithium-Ion (included)
Burntime on Low 12 hours 30 min
Burntime on High 6 hours 30 min
Distance on Low 6.6 ft / 2 m
Distance on High 443 ft / 135 m
Max Lumen Output 575 Lumens
Minimum Lumen Output 7 Lumens
Waterproof Splashproof
Material Not Specified
Certification CE
Made in No
Condition New


Electronics Deals

CampSaver Coupons
g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 Description
The RioHD-LED-3 projector by FAVI Entertainment offers the perfect balance in performance and affordability for home theater enthusiasts, gamers, business professionals and educators. Its revolutionary LED technology provides 30,000 hours or 14 years of lamp life (average of 4 hours per day) while boasting 5 times the brightness of a standard pico projector. The quick connect VGA and portable design makes it ideal for laptop presentations. Built-in media player allows for HD video and photo playback via USB thumb drive. At less than 3 lbs. it easily travels with you to work. Bring your projector home for a family movie night or host the entire neighborhood for a drive-in movie.

Product Identifiers
BrandFAVI
ModelRIOHD-LED-3
MPNRIOHD-LED-3
UPC794504796209

Key Features
Display TechnologyLED
Resolution800 x 600
Image Brightness150 ANSI Lumens
Contrast Ratio1000:1
Form FactorPortable

Image
Image Aspect Ratio16:10
HDTV Formats1080i, 1080p, 720p

Technical Features
Audio OutputStereo L/R RCA

Interfaces
Video inputAV x 1, Component Video, HDMI x 1, S-Video x 1, VGA x 1

Lamp
Light Source Life30000 Hours

Dimensions
Weight2.75 lb.

Miscellaneous
FeaturesBuilt-In Speakers
Projection MethodFront, Rear


www.ebay.com/itm/NEW-Favi-Rio-HD-LED-LCD-Portable-Projector-for-...
Projectors Deals

eBay Coupons
9in Soft & Durable Rubber Dog Frisbee $6.99 FS at That daily deal
Added on : Wednesday September 17th 2014 09:00:08 AM
g: 0 Posted By: priyacg
Views: 102 Replies: 0 9in Soft & Durable Rubber Dog Frisbee $6.99 FS at That daily deal

http://pet.thatdailydeal.com/

Fetch just became even more fun! This soft yet durable rubber frisbee is is made out of rubber to stand up to the rigorous demands of even the most enthusiastic dogs.Soft on dog's teeth and gums and flexible enough to be folded for easy portability, but rigid enough to fly, it's perfect for active dogs and pet parents.
Product Features: 9" diameter
Made out of our KONG Extreme ultra-durable rubber
Perfect flying disc for games of fetch
Soft on dog's teeth and gums
Not to be used as a chew toy
Weights 9.6 ounces
Color: Black with white swirls
Pets Deals
g: 0 Posted By: tedhawkins
Views: 216 Replies: 0 Levin Solstar 5000mAh Solar Panel Charger/External Battery Power Pack Rain/Dirt/Shockproof - Dual USB $23.99 w/code FSSS Levin via Amazon

http://www.amazon.com/Levin-Shockproof-Portable-External-Adapter...

Apply $4 OFF code FLVZ7K6J

Rated 3.9 out of 5 stars from 423 reviews

The first rain-resistant &shock-proof portable solar charger on the planet; Solar energy technology, environmental friendly and could recharge itself under sunshine for emergency purpose when outside; Solstar can charger your iphone about 50% to 60% juice for emergency after being solar charged for 7 to 8hrs under normal sunlight, It's not easy for 1.2W input Solar panel to fully charge the buit-in battery with sunlight, thus, we suggest it for casual use,For long trip,hiking, Levin Sol-wing+solstar would be a perfect choice. . Water resistant design ensures the device functions smoothly when it's raining; Shock-proof feature ensures the device working properly even it crashes or drops.
Grade A cell, Build-in 5000mAh Lithium Polymer battery which chareges via a powerful 1.2W monocrystalline solar panel ; 2.1A output allows for simultaneous charging of your devices at high speed ;Anti-explosion, lightweight, compact and reliable, 1000+ recharge cycles over the life of the battery. Please do not place Solstar on over-heated place for continuous charging. Solstar is with built-in Polymer battery, one of the safest battery in the world, which are not possible to explode even over-heated, but it might swell up.
The LED flashlight works perfectly in darkness, especially for emergency. Just press the button twice, the LED will light up; 4 LED status of charge indicators indicate the charging and discharging process.
Compact, portable & stylish design; Easily fits into your bag to provide instant power; Football grain design has anti-skid protecting effect ;
Package includes: Levin&Trade; Solstar External Battery, hook, micro USB cable, instruction manual.


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Amazon Coupons
g: 0 Posted By: antonysmile
Views: 148 Replies: 0 http://www.amazon.com/Shockproof-Flashlight-Rechargeable-Bank-Wa...

Creative design: Waterproof (IP66 rating), dustproof, anti-shock, skid resistance. Perfect for campers, hikers, skiers, construction workers, and many other outdoor enthusiasts.
10400mah of capacity charges all iPhone 5 times or large-capacity phones like the Galaxy S4 more than three times.
Dual USB output: Fast charge two devices simultaneously (USB Output 1: 5V/1.0A, USB Output 2: 5V/2.1A). Input 5V/2A
High speed charging ports optimized for Tablets, Smartphones, and many other 5V devices

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Amazon Coupons
Rental lease terms advice_Massachusetts
Added on : Friday September 05th 2014 10:00:09 AM
g: 0 Posted By: spinkan
Views: 97 Replies: 4 I have a few questions regarding my lease agreement and what my options are in that regard. Here's the story: I recently moved into a new apartment in Massachusetts (about a month ago). Per the conditions of the lease, all utilities are included (i.e., heat, hot water, gas for cooking, and electric) for $900/mo. However, I received a phone call from the realtor this afternoon stating that there was "human error" when the lease was written and, in fact, my building does not include electric in the rent. There are four total buildings in the complex and, according to the realtor, my building and the adjacent building have a meter and thus, require the tenants to pay electric separately. In the lease under "Heat and Other Utilities," it specifically states (with two asterisks), "**Heat, Hot Water, Gas for cooking, & Electric is included in rent." Aside from this column, it notes, "Tenant: This section governs utility payments. Be sure to discuss with the Lessor those payments which will be required of you for this payment." Attached to the lease in an "Addendum to Lease Agreement" which also states, "Utilities and Services. Tenant shall be responsible for phone, & cable. Landlord will provide the following: Heat, gas stove cooking, electric, hot water, sewer, and refuse." The lease as well as the addendum are signed by both myself and the lessor. When I inquired about how "human error" is something I should be penalized for, she responded by saying that I could move out of the apartment if I was unhappy with having to pay electric and that she could help in my search to relocate. Clearly, I am not looking to move (it's a hassle, not to mention costly, and I've finally settled in). But that's besides the fact. I signed the lease with the impression that all of my utilities would be included which is a large part of why the unit was so appealing to me, considering I am a graduate student and need to save where I can.

Nonetheless, what are you thoughts? Any advice about how I should go forward with this? What are my options?

I appreciate all the help I can get. Thank you!!
Personal Finance Deals
g: 0 Posted By: Deals4mykids
Views: 125 Replies: 0 http://www.gearbest.com/car-dvr/pp_69368.html

Coupon code: GBA118 DEAL price is 61.99 + Free shipping

Introduction of A118: https://dashcamtalk.com/b40-a118/

- Novatek 96650 chipset
- 170 degree wide angle lens
- HD1080P high-definition seamless cycled recording, no second leakage
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- Provide locking protection for multiple important segments, thus preventing important segments from being overwritten
- Built-in G-sensor, capable of saving and locking the video record
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GearBest Coupons
g: 0 Posted By: tedhawkins
Views: 153 Replies: 0 Timex Men's Ironman T5K562 Black Resin Quartz Watch with Digital Dial $34.60 fs @ areatrend

http://www.areatrend.com/timex-t5k562-watch-1681890882.aspx

Extremely durable and sporty, this Timex watch is the perfect workout accessory. Featuring a super comfortable black resin band and a solid black resin case, this watch is great for any exercise enthusiast. Whats better is this watch also includes a heart rate monitor, which makes this watch extremely useful in a multitude of scenarios. The stylish digital dial adds a fashionable feel to this watch already-impressive watch. Additional features include a stop watch, Indiglo light, and 30 meter water resistance.
Watches Deals
g: 0 Posted By: remick
Views: 191 Replies: 0 http://www.amazon.com/dp/B00M4FBYQI/

The number of Android devices running on Intel processors has increased since Intel and Google announced, in late 2011, that they would be working together to optimize future versions of Android for Intel Atom processors. Today, Intel processors can be found in Android smartphones and tablets made by some of the top manufacturers of Android devices, such as Samsung, Lenovo, and Asus.

The increase in Android devices featuring Intel processors has created a demand for Android applications optimized for Intel Architecture: Android Application Development for the Intel Platform is the perfect introduction for software engineers and mobile app developers. Through well-designed app samples, code samples and case studies, the book teaches Android application development based on the Intel platformincluding for smartphones, tablets, and embedded devicescovering performance tuning, debugging and optimization.

This book is jointly developed for individual learning by Intel Software College and China Shanghai JiaoTong University.

What youll learn
Comprehensive introduction to the Intel Embedded and mobile hardware platform
Android app GUI design principles and guidelines
Covers the latest Intel Android development tools, including Intel Beacon Mountain version 0.6 and the Intel Compiler
NDK and C/C++ optimization
Designing and optimizing for low-power consumption
Who this book is for
The book is primarily for app developers, software engineers and open-source programming enthusiasts, but can also be used by for training programs and Codeacademy-style programs.


GUI Design for Android Apps
http://www.amazon.com/Design-Android-Apps-Ryan-Cohen-ebook/dp/B0...

GUI Design for Android Apps is the perfectand conciseintroduction for mobile app developers and designers. Through easy-to-follow tutorials, code samples, and case studies, the book shows the must-know principles for user-interface design for Android apps running on the Intel platform, including smartphones, tablets and embedded devices.

This book is jointly developed for individual learning by Intel Software College and China Shanghai JiaoTong University, and is excerpted from Android Application Development for the Intel Platform.

What youll learn
Key aspects of why UI and UX design for embedded systems is different than for desktops
Troubleshooting UI design issues
Understanding how key concepts such as state transition, context class, and intent work
How to use the interface app design tools provided by Android
Planning for complex apps (apps with multiple activities)
Optimizing app design for touch screen input
Who this book is for
The book is primarily for app developers, software engineers and open-source programming enthusiasts, but can also be used by for training programs and Codeacademy-style programs.
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Family Financial Trouble - In Law Home Foreclosure
Added on : Friday August 29th 2014 09:00:13 AM
g: -2 Posted By: altidagain
Views: 173 Replies: 8 Good afternoon. Yes, this is an alternate ID. Yes, I am a senior member and have been around for over 10 years and continue to read the forums daily. I love the members here and the valuable advice shared. That being said, I would like some objective opinions of my current family situation. It is always difficult to think clearly and rationally when you and your family are involved. I apologize if any details are sketchy as this is a fluid situation and I'm hearing most of it second and third hand.

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

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

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

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

Would consider bidding a diminished price at an auction

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

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

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




What am I missing or not considering?

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


Personal Finance Deals
Marmot Odin 35 Pack - 2014 $68.73 Fs @ rei
Added on : Thursday August 28th 2014 04:00:51 AM
g: 0 Posted By: tedhawkins
Views: 98 Replies: 0 Marmot Odin 35 Pack - 2014 $68.73 Fs @ REI

http://www.rei.com/outlet/deal-of-the-day

Ingenious clip-and-carry systems and loads of specialized pockets (even for skis!) add up to a flexible solution for any mountain-minded enthusiast
Air-mesh back panel lets air flow between the pack and your back for all-day cooling comfort; hipbelt with gear loop and stash pocket; removable single stay and frameheet
Top-loading main compartment; removable lid with zippered mesh pocket and key clip; front vertical zip pocket; hydration sleeve with hanging pocket (reservoir not included)
The Marmot Odin 35 Pack features dual ice-axe loops, front lash points and a diagonal ski carry option



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REI Coupons
g: 0 Posted By: tedhawkins
Views: 191 Replies: 0 Protected by AR15 Lawn Signs (AK47, 00BUCK, or 2nd Amendment) for $19.99 + Free shipping @ gearhog

http://www.gearhog.com/?did=68236

Deal Overview
Who needs those dime a dozen "Protected by a Security System" signs when you can show your true colors with a Webyshops Lawn Sign. Our Yard Signs come in four varieties so you can send just the right message. For assault rifle enthusiasts, we have both Protected by AR15 and Protected by AK47 signs to show you mean business. If you're more of a fan of buckshot, we've got you covered with the Protected by 00 Buckshot sign. Finally if you're adamant about your 2nd Amendment rights, we also have the standard Protected by the 2nd Amendment sign. Webyshops Lawn Signs measure 11" X 11" and include a 21 in. stake so you can proudly display it anywhere in your lawn or garden. Show your Webyshops allegiance today with a sign that is serious as you are about guns, ammo, and gear.


Home & Garden Deals
g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
Management company vs self manage on rental house
Added on : Tuesday August 19th 2014 11:00:08 AM
g: 0 Posted By: roxygirlie1021
Views: 131 Replies: 0 Just curious what other FWFers do on your rental homes. The husband and I are moving into a new house, but keeping our current one as a rental. Trying to decide if we should get a management company to take care of everything for us (and thus take 10% of the total rent...) or manage it ourselves. Our new home is about 40 minutes away, and my husband is a stay at home dad, so he would be available during the day. We are just worried about getting calls in the middle of the night and when we are out of town, things like that.
Question Deals
g: 6 Posted By: TheDiggler
Views: 560 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic).
Here's the captured URL shortened (copy/paste into browser): goo.gl/JeXig0


Based on observations, one UNIQUE cpn code per BROWSER TYPE per PC can be generated (when choosing to PRINT cpn), regardless of whether you're generating it via a normal browser instance or an Incognito/Private Window/In-Private Browsing instance.

Was informed that when having the cpn TEXTED, it may generate a uniquecpn codeeach time it txts (even in the same browser instance), although the person who tested it had txts sent to multiple phone #s. (Not sure if unique cpn codes were generated to the SAME phone #).

YMMV

*EDIT* When originally posted, the URL above was hyperlinked. The mods updated thathyperlinktopointDIRECTLY to Staples.com. Ultimately the "goo.gl" link reaches Staples.com, butit needs to beinitiatedthrough the actual URL generated by the web-ad (which bounces through a few intermediary links before it gets to Staples.com). Otherwise, the URL pointing DIRECTLYto Staples.com will have the maximum # of redemptions exceeded (and thus not work for others).
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: tedhawkins
Views: 183 Replies: 0 Cuisinart CGG-200 All-Foods 12,000-BTU Tabletop Propane Gas Grill $129.95 FS buydig Via Rakuten

http://www.rakuten.com/prod/cuisinart-cgg-200-all-foods-12-000-b...

Combining exceptional performance with convenient portability, this tabletop gas grill makes a nice choice for any grilling enthusiast. The units 12,000-BTU stainless-steel loop burner delivers the heat needed to cook up anything from salmon, red potatoes, and asparagus to steaks, slabs of fresh pineapple, and veggie shish-kabobs. Its heat-distributing panel and porcelain enamel-coated cast-iron cooking grate help ensure excellent grilling results. Even more, the grill features a modular grill-surface system, which accommodates a variety of interchangeable panels designed specifically for frequently grilled foods like fresh summer vegetables, breads and pizzas, and delicate food items. An all-purpose veggie panel comes included (others sold separately). The grills compact size makes it well suited for small backyards or patios, while its folding stainless-steel side shelves and carrying handles allow for convenient transport to the beach, a friends house, or a tailgating party and back again. Other highlights include a precision temperature gauge, a stainless-steel lid, a twist-start ignition system, and a removable drip tray. The gas grill requires a propane tank for operation (not included) and measures approximately 19-4/5 by 27-4/5 by 12-4/5 inches.


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Rakuten.com Shopping Coupons
g: 5 Posted By: VivYip
Views: 375 Replies: 0 Amazon has the kindle edition of the following for $0.99:

Oz: The Complete Collection (All 14 Oz Books, with Illustrated Wonderful Wizard of Oz, and Exclusive Bonus Features)
Welcome to the Wonderful World of Oz!

Fans of L. Frank Baums Oz books, you are in for a treat. Collected here is the ultimate Kindle edition of the beloved series starring such timeless characters as Dorothy, the Tin Man, the Scarecrow, the Cowardly Lion, and the Wicked Witch of the West.

Included in OZ: The Complete Collection are:

All fourteen Oz books written by L. Frank Baum.
The first book, The Wonderful Wizard of Oz, is illustrated with the classic W.W. Denslow artwork.
Links to free, full-length audio recordings of all the Oz books in this collection.
An individual, active Table of Contents for each book accessible from the Kindle go to feature.
Perfect formatting in rich text compatible with Kindles Text-to-Speech features.
A low, can't-say-no price!

Fourteen Complete Works

All fourteen of L. Frank Baum's Oz books, in order and unabridged. Books included:

1. The Wonderful Wizard of Oz (1900)* Includes Original Illustrations by W.W. Denslow!
2. The Marvelous Land of Oz (1904)
3. Ozma of Oz (1907)
4. Dorothy and the Wizard in Oz (1908)
5. The Road to Oz (1909)
6. The Emerald City of Oz (1910)
7. The Patchwork Girl of Oz (1913)
8. Tik-Tok of Oz (1914)
9. The Scarecrow of Oz (1915)
10. Rinkitink in Oz (1916)
11. The Lost Princess of Oz (1917)
12. The Tin Woodman of Oz (1918)
13. The Magic of Oz (1919)
14. Glinda of Oz (1920)

Beyond the Yellow Brick Road

Also included are special features for any Oz enthusiast, including:

A complete list of all Oz books in the official canon by other authors.
A list of Oz films and television series, both directly and indirectly inspired by L. Frank Baums masterpiece.
Links to free, full-length audio recordings of all the Oz books in this collection

This version has illustrations and has all of the books in one location. However, if person doesn't need the illustration or just wants the books free, I am including the Gutenberg Project's link for the author:
http://www.gutenberg.org/ebooks/author/42

Frankly, I would rather pay the $0.99 since I had fond memories of going to the library and checking out the paperback versions and really liking a few of the series. I hope this might help someone. Thank you for reading.
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Canine Chronicle Magazine Free Magazine Issue *Digital* FREE
Added on : Sunday August 17th 2014 06:00:13 AM
g: 0 Posted By: bcronin
Views: 39 Replies: 0 Canine Chronicle Magazine Free Magazine Issue *Digital* A purebred enthusiast and Show Dog magazine. The offer is in the middle of the page. Get it Free!
Go here:http://www.all-freemagazines.com/Free-Pet-Magazines/Canine-Chronicle-Magazine-Free-Magazine-Issue-Digital/

There is also a large list of other free magazines at the site.
Totally Free Deals
Via Castellano - Spanish Tradition for Two: Tapas Wine Tasting
Added on : Saturday August 16th 2014 01:00:02 PM
g: 0 Posted By: arpitwonderboy
Views: 46 Replies: 0 details - Amazing dealAt this gorgeous, eight-acre estate vineyard nestled in the Sierra Foothills, you'll meet a husband and wife who are incredibly friendly and passionate about Mediterranean tradition and robust and complex wines: $35 ($72 value) for a tapas and wine tasting for two
You'll each sip seven different vinos and nibble on traditional bites
The grapes are grown to produce Spanish-style varietalsAn Amazing Experience
Feel stress slip away as you sip in a cozy granite-lined wine cave, with warm and hospitable staff members who are enthusiastic about sharing their passion for their product. As you swill the fruit of the vine, sample a colorful and diverse selection of cheeses, meats, and more -- a rich tradition that harkens back to the owner's Spanish roots.

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LivingSocial Coupons
g: 0 Posted By: ctgolfer
Views: 195 Replies: 0 $89.99 after $50 mail-in rebate

Enthusiast Design; Subtle curves, bold textures and clean lines - Among many award winning case designs from Thermaltake. Core V71 keeps it to include enthusiast level features while keeping the design simple. The massive mesh design maintains a constant stream of fresh air inside the case while keeping the hot air out. With integration of fan controller and LED indicator, offering a perfect complement outside of the chassis.
Fully Modular Concept; A highly customizable 5.25 & 3.5 drive bay feature enables users to freely interchange the 3.5 hard-drive cages to suit ones need and removing the 5.25 & 3.5 drive bays to gain maximum interior space for advance cooling performance or liquid system build.
Tool-free Installation; Exclusive back tray design allows user to assemble and expand easily and fast when all the drive cages have been removed. Time saving screwless assembly with 5.25 & 3.5 tool-free drive bay design minimized the hassles of installing ODD and HDD devices for convenience and ease of accessibility.
Supreme Air Cooling System; Core V71 is build with it fundamental airflow optimized design. Standard equipped with triple 200mm LED fans and a 140mm fan. It is the first in market that has the ability to house 4x 200mm fans along with three more 120mm fans by achieving unrivalled airflow in your chassis.



www.tigerdirect.com/applications/SearchTools/item-details.asp?Ed...
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Tiger Direct Coupons
g: 2 Posted By: remick
Views: 217 Replies: 0 12000 Word Scramble Puzzles to Improve Your IQ
http://www.amazon.com/dp/B00GL4IKUG/

SOLVING WORD SCRAMBLE PUZZLES IS ONE OF THE BEST WAYS TO MAINTAIN THE BRAIN IN TOP OPERATING CONDITIONS. THE LETTERS IN 12,000 WORDS ARE SCRAMBLED IN ABC ORDER. SOLUTIONS ARE GIVEN FOR ALL PUZZLES. Overall Benefits of Solving Word Puzzles
Improved Effective IQ
The title indicates that these Scramble puzzles are designed To Improve Your IQ. Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Scramble, provide the necessary mental activity.
Mental Exercise
Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.
Scramble puzzles will improve your focus and attention. When you are working on a puzzle, you need an environment that is relatively free of distractions. Puzzle solving is a solitary activity. The concentrated attention you must give to the solution of a Scramble is an excellent skill to develop which can help you in many areas of your life.
Deduction is an important critical thinking skill. Scramble puzzles provide you with an opportunity to learn organizational skill as you apply different solution methods. Practicing the process of elimination seeking and finding possible answers, also requires deduction.
Scramble puzzles provide you with an activity that is not only fun, but also mentally challenging. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Your mind requires nurturing just like your body. After all, exercise is not just about jumping jacks and free-weights. Both your body and your mind need stimulation and exercise. Puzzles are great for mind maintenance and mental stimulation.




10000 Hard Spellrex Puzzles to Improve Your IQ [Kindle Edition]
http://www.amazon.com/dp/B00LJAYYES

As indicated on the cover, this book contains ten thousand hard Spellrex puzzles designed to improve your IQ. Spellrex puzzles are missing letter word games; there are blanks indicating the missing letters. The goal is to find the missing letter(s) and complete the word. Each page in this book contains 40 puzzles and can have from one to four solutions, depending on the level of difficulty. Puzzles are classified by level, from easy to expert. Answers are in reverse order at the bottom of each page.
How to Use This Book
This book of Spellrex puzzles was created with the objective of providing educators, students, and adults with puzzles to stimulate the mind and provide enjoyment. The puzzles are not hard: they do not need long, complicated directions with many examples. One of the benefits of Spellrex puzzles is their entertainment value. So try the methods for solving we have provided for you, or discover one of your own. Either way, the ten thousand puzzles provided are sure to give you days of challenging fun.
Whom Spellrex Puzzles Are For
Educators and Students
Spellrex puzzles can increase vocabulary and improve students spelling skills. There are always new words to learn as you stretch your mind finding the missing letters to fill in the blanks. Spellrex puzzles also strengthen word recall and improve memory.
Seniors
According to the Alzheimer's Association, . . . higher levels of education appear to be somewhat protected against Alzheimer's, possibly because brain cells and their connections are stronger." Spellrex puzzles can keep the brain alert and active.
Everyone
Whatever your age, education level, or ability, Spellrex puzzles can benefit you with their entertainment value and the ability to influence your IQ.



500 Word Snake Puzzles To Improve Your IQ
http://www.amazon.com/dp/B00KFU70IK

Welcome to the world of Word Snake puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Word Snake puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Word Snake Puzzle?
A Word Snake puzzle is an overlapping words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.



Lapple Puzzle Book #1: 1000 Overlapping Words Puzzles (LAPPLE IQ PUZZLES)
http://www.amazon.com/dp/B00FKR7PXI

HAVE INFINITE FUN WITH SOLVING LAPPLE PUZZLES & PUT YOUR BRAIN IN TOP OPERATING CONDITION! SOLUTIONS ARE PROVIDED FOR EACH PUZZLE.
Welcome to the world of lapple puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Lapple puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Lapple Puzzle?
A lapple puzzle is an overLAPPing words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
1. Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
2. Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
3. Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
4. Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.
5. Word puzzles build self-confidence.
Solving puzzles teaches the ability to overcome problems. A puzzle solver usually gets frustrated at first when they try to solve puzzles, but that feeling lessens as they solve more and more puzzles. When you finally solve a puzzle, you experience a sense of accomplishment.
Once you successfully complete a puzzle, you will most likely be happy to try another one. Then, the more you complete word puzzles, the more you will be able to do so quickly. If you have fun and success in word games, you will feel more secure and comfortable, and thus more self-confident.
The lapple puzzles in this book teach the importance of how to work through difficulties and cope with impatience or anxiety.



Puzzles for Alzheimer's Patients
http://www.amazon.com/dp/B00KKUUYII/

PUZZLES FOR ALZHEIMER'S PATIENTS IS FROM GRADE 2 ON TO ANY AGE PERSON IN NEED OF LIGHT PUZZLES FOR BRAIN IMPROVEMENT AND MAINTENANCE. THE DIAGONAL WORD SQUARE PUZZLE HAS A WORD IN EACH ROW AND ON THE DIAGONAL WITH SOME LETTERS REMOVED IN A RANDOM FASHION. THE OBJECTIVE IS TO COMPLETE THE SQUARE. SOME PUZZLES MAY HAVE MORE THAN ONE SOLUTION.
THE FOLLOWING PUZZLE TYPES ARE IN THIS BOOK:
3x3 DIAGONAL WORD SQUARE PUZZLES
4x4 DIAGONAL WORD SQUARE PUZZLES
5x5 DIAGONAL WORD SQUARE PUZZLES
THERE ARE 760 PUZZLES IN THE BOOK ALTOGETHER PROVIDING ENDLESS FUN.



BASEBALL TRIVIA
http://www.amazon.com/dp/B00DIOQC7A

Do you know which catcher has the highest batting average in a season? Or which rookie holds the record for the most strikeouts in a season?
This challenging trivia book will give you and your friends hours of fun! Break it out the next time your know-it-all buddy starts bragging about how he knows everything there is to know about baseball.



SPORTS TRIVIA (Sorta-Easy Edition)
http://www.amazon.com/dp/B00EZAYBVU/

Who is the only NBA player to average more than 50 points per game in a season?
Which football team won the first 2 Super Bowl games, in 1967 and 1968?
Which racehorse won the 1973 Belmont Stakes by an astonishing 31 lengths?
These are just 3 of the 201 challenging questions that will give hours of entertainment to you or the football fan in your life. This is the 9th book in the Todd Brock Trivia series... please check the other books out as well!



Popular Songs Word Search 150 Puzzles: Book 7
http://www.amazon.com/dp/B00MNU5VD6

This book contains 17x17 popular songs word search puzzles designed to improve your intelligence quotient (IQ). Songs performed by Elvis Presley, Frank Sinatra, The Beatles, Dolly Parton, Madonna, The Beach Boys and many more artists & bands. You cannot change your IQ; it is a measure of the intelligence you already have. However, the IQ you use on a daily basis your effective IQ can be increased. Doing so can help you be more successful in your personal relationships, as it increases your ability to solve and overcome problems. Additionally, you will find that as you increase your effective IQ, you can become more successful on your job as you strive to gain professional success. Each music themed puzzle has 20 titles for search. The puzzles are hard in difficulty.
This book contains 150 word search puzzles, with one puzzle on each page. The method for solving each puzzle should be familiar to you if you have worked word search puzzles before. However, the format is unique. Each puzzle has 20 words listed in a table. The word search puzzle is above the list of words in a box of letter squares seventeen letters by seventeen letters. The solutions can be found vertically, horizontally, or diagonally, either forward or in reverse order.
How to Solve Word Search Puzzles
In order to achieve success at any task, one needs to know the best way to accomplish the goal of that task. With word search puzzle solving, the goal, of course, is to solve the puzzle. To do so, there are a number of methods one can use. They are as follows:
Take a Quick Look
Glance at the puzzle and mark the ones you see immediately first.
Develop a Strategy
As you work your word search puzzle, a strategy will help you to work faster and more efficiently
1) Check beginning letters.
One successful strategy is to look for the beginning letter of the word for which you are searching. Then look at the box immediately to the left and right, above and below, and in both diagonal directions for the remaining letters. At this point, you should see the complete word.
2) Work each row in one direction.
For example, work all the rows across first. Then choose another direction, maybe backwards across. Continue until the puzzle is completed.
3) Work the list.
Some word search puzzle solvers simply work down the list, looking for each word. Of course, you want to go ahead and mark any other words you see.
Work in sections.
Whichever method of solution you choose, work your word search puzzle in sections. You dont want to repeatedly do the same area of your puzzle.
Take a break.
If you get stuck, stop and come back to the puzzle later.
Work cooperatively.
You can work a puzzle as a cooperative effort. Working with someone else can be fun and make puzzle solving easier.



HOW TO STRATEGIZE FOR GAMES: game play, play game, play games, games play, games download, games to download, play games
http://www.amazon.com/dp/B00MMNGPAC/

Strategy games, do you play them, or are you an avid fan, well this book is for you. You will learn about the strategy game basics and quick glimpse in the wonderful world of strategy game. Educate yourself about campaigns and what every strategy game player should know. Educate yourself about campaigns and what every player should know. Campaign aspects and what characterize one, discover them in this book. Tutorials, do you know how to use them. Well read on, and learn how they will help you to have the best strategy game experience. Know the resources and how to use them to your advantage. Patterns will also be explored in this book as well as the consequences involved. Colonies and objectives is another aspect that will make the game experience better. Find out why objectives and colonies vary for every strategy game. Minions, wonder what that is, you definitely will find out by turning the page and learn about their role in strategy game. Need to know the spice and thrill in every strategy game, well read on. Minions, combats and forces work together learn how. Ever been a hero in a strategy game, no! Discover how and what it takes to be one. This book is a must read for all strategy games lovers.
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How to learn about investing?
Added on : Monday August 11th 2014 01:00:08 PM
g: 0 Posted By: LrngTree
Views: 63 Replies: 2 Could you suggest any books to start learning about investing and/or money management?Nothing too complex...how to get started. Thus far, I'm working to be debt free, but would like to prepare for thenext step of making my money work for me.Thank you in advance,wise Fat Walleters. (I hope Idon't get ripped apart for asking such a basic question.... I've got to start somewhere! )

New User Question Deals
ClicTime LEGO Watches (4 Color Choices) - $14.99 Shipped @ Woot
Added on : Friday August 08th 2014 10:00:02 AM
g: 0 Posted By: Savvymommy03
Views: 0 Replies: 0 Woot has theClicTime LEGO Watches (4 Color Choices)on sale for $14.99 Shipped.

Watches with Mini-Figure
- Ninjago Snappa
- City Fireman

Mini-Figure Link Watches (Mini-Figure built into the link)
- Boba Fett
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With two interchangeable bezels, two LEGO stud links and a variety of durable LEGO links to create your own personal bracelet
Mini-Figure Link Watches includes interchangeable mini-figure links
For adult LEGO enthusiasts - if you buy two of the same watch you'll have enough extra links to fit an adult wrist
Analog watch faces
Scratch resistant mineral crystal and a water resistant depth of 165 feet (50 Meters), this watch can keep up with the most adventurous child
Watches come with adjustable links for the growing LEGO fan
Precise quartz movement
90 Day warranty
g: 0 Posted By: DaysFan
Views: 72 Replies: 0 Garden Concerts for Kids is a free outdoor music series for kids and their families in the Getty Center's Central Garden featuring some of the best children's musical artists from across the nation.

Please feel free to bring a picnic blanket, but lawn chairs are not allowed.


Garden Concerts for Kids: Shine and the MoonbeamsSaturday August 9, 2014 4 pm - 5:30 pm
Central Garden, Getty Center
http://www.getty.edu/visit/cal/days/08092014.html

Soulful singer-songwriter Shawana Kemp and guitarist John Heagle introduce the sounds of classic funk, soul, blues, and jazz music to enthusiastic children as Shine and the Moonbeams. With infectious rhythms, catchy melodies, and positively empowering lyrical themes, their songs encourage kids to celebrate life and get up and dance!

Learn more about Garden Concerts for KidsDate/Time
Date(s) - 08/09/2014 - 08/10/2014
4:00 pm - 5:30 pmLocation
Getty Center
1200 Getty Center Dr.
Los Angeles, ,Free admission4-5:30 p.m. Aug. 2-3, Central Garden, The Getty Center, 1200 Getty Center Dr., L.A. This New York City-based band will brighten up your day as they blend soul, funk, jazz and blues into a energetic set of music. (WS)Shine and the Moonbeams exploded on to the family music scene in 2011, bringing a brand new R&B sound to the genre and introducing the sounds of classic funk, soul, blues, and jazz music to enthusiastic children. They are singer-songwriter Shawana Kemp and guitarist John Heagle, two New York musicians who have performed in varied genres from Musical Theatre to the circus. They combine their unique perspectives to create a soulful musical extravaganza that captures the sweetness, uncertainty, and simplicity of youth. Their self-titled debut album was released in 2013 to much acclaim and excitement. With infectious rhythms, catchy melodies, and positively empowering lyrical themes stemming from Kemp's experiences as a schoolteacher and mother, their songs encourage kids to celebrate life and get up and dance!
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
g: 0 Posted By: MrsF
Views: 148 Replies: 0 http://www.budgetpetcare.com/advantage-for-cats/cat-flea-and-tick-treatment-23.aspx

FREE SHIPPING ON ALL ORDERS!!!
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Advantage for CatsInformationAdvantage for cats is a monthly spot-on treatment that kills flea and flea larvae for one complete month. Its active ingredient imidacloprid kills adult fleas within 12 hours and destroys the life stages for four continuous weeks. The treated pet also affects the flea larvae found in the surroundings and thus prevents re-infestations.Advantage protects the pet from several flea-infected diseases and is suitable for all breeds of cats. It is safe to treat nursing cats and queens. Unweaned kittens under 8 weeks of age are protected against flea infestations by coming in contact with the already treated lactating mother. Safety

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On observing any adverse signs like vomiting, dullness, skin irritation etc. immediately contact a veterinarian.
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IngredientsImidacloprid 10% m/vManufacturerBayer

Key Benefits: Kills fleas fast: Advantage kills 98-100% of existing fleas within 12 hours of application and keeps killing fleas within 20 minutes of contact. Waterproof: Advantage remains effective even if your pet goes swimming or is bathed and shampooed. Stops fleas biting: Advantage stops fleas from biting within 4-5 minutes. Larvicidal effect: Advantage has proven ability to destroy 99% of flea larvae in the pet's surroundings. Allergy Dermatitis: Reduces the incidence of flea allergy dermatitis. Kills flea larvae in pets' surroundings. Advantage may be used as the only product for flea control as it breaks the life cycle and kills fleas emerging from the environment to re-infect cat. One application lasts for a month on cats.We Guarantee: 100% Satisfaction:If for any reason you are not satisfied with any item, return it unopened for full refund within 5 days. Product quality:We offer only genuine products selected by our veterinarian and hence provide 100% Product Return Guarantee.

Pets Deals
Teva Women's Figueroa WP Boot $58.50 Fs Amazon
Added on : Saturday July 26th 2014 07:00:04 AM
g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 Teva Women's Figueroa WP Boot $58.50 Fs Amazon

http://www.amazon.com/Teva-Womens-Figueroa-WP-Boot/dp/B00AYRJX66


Product Description

Teva is an authentic icon in the outdoor industry. Founded in the early 1980's by a Colorado River guide, Teva pioneered the sport-sandal category. For more than 20 years on rivers, in canyons, and across the trails of the great outdoors, athletes and enthusiasts have traveled the globe comfortably and confidently in Teva footwear. Providing positive contributions to the world in which we play is at the core of everything Teva stands for. The Teva name itself is a Hebrew word meaning "nature" and the hand logo is the Hopi symbol for "friendship" and "water." Teva supports the outdoor athletic lifestyle and remains committed to innovation in outdoor performance footwear, the platforms which carry enthusiasts beyond the offices of the day-to-day and onto the rivers, trails, and canyons of the next adventure.

Stay steady even on icy terrain wearing the Teva Figueroa Waterproof boot. This sleek, lightweight women's winter boot boasts a seam-sealed, fully waterproof leather and suede upper that can handle getting wet and still look great, with a T.I.D.E. Seal waterproof membrane to keep your feet dry even as you plow through the snow. A faux Sherpa lining lends additional warmth; a side zipper ensures easy on/off. A Mush Infused insole brings the luxurious comfort of Teva's flip flops into a shoe. The White Spider RubberTM outsole of the Teva Figueroa WP boot features bi-directional tread that responds to frigid temperatures, offering enhanced grip and a bit of distance from cold surfaces.


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Can I get rewards (cashback, cc pts) from paying off a HELOC?
Added on : Saturday July 26th 2014 03:00:05 AM
g: 0 Posted By: evercl92
Views: 624 Replies: 4 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
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How to maximize rewards from this situation? (or get any at all)
Added on : Friday July 25th 2014 12:00:04 AM
g: 0 Posted By: evercl92
Views: 60 Replies: 0 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
Credit Deals
g: 0 Posted By: tedhawkins
Views: 220 Replies: 0 The Gun Digest Price Guide Power Pack (4 book set) for $54.99 + Free Shipping

http://www.gearhog.com/?did=68115


Deal Overview
Ensure you have all of your firearms bases covered with this comprehensive and convenient value pack. With the complementary resources offered in this bundle, you'll have everything to need to buy, sell, collect, grade, and inspect almost any firearm.

+ Flayderman's Guide to Antique American Firearms and Their Values
Paperback

Covers gun prices and identification for over 4,000 antique firearms from the early 1700s to the early 1900s. Also includes photos for easy reference, as well as information on trends in gun collecting and firearms history, and more.

+ 2014 Standard Catalog of Firearms, 24th Edition (Paperback)

With more than 26,000 listings and 7,500 photos, the fully updated 2014 Standard Catalog of Firearms has something for every firearms enthusiast. Up to 6 condition grades and valuations are included, with over 110,000 prices listed, extensive descriptions, historical information, and more.

+ Standard Catalog of Military Firearms, 7th Edition (Paperback)

The only illustrated gun price guide for military firearms, containing updated prices for over 2,000 weapons. More than 1,500 photos are included, as well as descriptions and values for related accessories, and a 16-page, full-color insert of some of the world's most exquisite military firepower.

+ The Official Gun Digest Book of Guns & Prices, 9th Edition (Paperback)

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

Expires 07/28/2014.
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Product will be shipped within 10 business days after the close of the deal
This is a final sale item




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Orient Mako XL automatic dive watch $104.20 at Amazon
Added on : Thursday July 24th 2014 07:00:03 AM
g: 0 Posted By: kassaal
Views: 101 Replies: 0 http://www.amazon.com/gp/product/B002LE7B0U

$104.20 using the 20% off coupon: SUMERSAV

Probably one of the best deals for an automatic dive watch with in house movement. Orient watches are well respected budget options for watch enthusiasts. This model has a 44mm bezel, so it is on the large side. If you have a skinny wrist, you may want to look elsewhere.

Video review here:https://www.youtube.com/watch?v=NlRXlzU-RRo


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g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 $14.99 after $20 mail-in rebate

Free Scosche USB charger withpurchase

Brand
Luxa2
Model
PO-UNP-PCP1SI-00
Type
Portable Battery

Compatibility
Compatible Phone Manufacturer
Universal

Specification
Capacity
7000 mAh

Feature
Features
Design for traveler and outdoor enthusiast.

Anti shock and bumping design with sand & dust protection.


www.newegg.com/Product/Product.aspx?Item=N82E16875951657


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g: 2 Posted By: lovelybones
Views: 745 Replies: 9 http://www.amazon.com/gp/product/B00IQG6KWW/ref=gno_cart_title_0
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Beautiful & benign design - Clippers are available in pink or green. Pets can sense the benign design, thus they are less scared. The grooming process will be a lot easier
Non-slippery handles - Engineered for better grip and smooth experience. Ergonomically shaped handles decrease fatigue
Safety stop helps prevent "overcutting"; no more bleeding or damaging to your pet. Small plate attached under the strong and sharp blade was carefully engineered to increase user's confidence and pet's safety
Stainless steel blade - well crafted for stronger and harder cutting. 0.275'' stainless steel blade has gone through multiple making process to enable it with quick, instant and sharp cut
Two Years Warranty & 100% Money Back Guarantee

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Pet Nail Trimmer with Safety Stop and Nail File $7.82 FS/Prime @Amazon
Added on : Wednesday July 23rd 2014 03:00:04 AM
g: 0 Posted By: lovelybones
Views: 146 Replies: 2 http://www.amazon.com/gp/product/B00IQG6KWW/ref=gno_cart_title_0
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Free Kindle Book- Making Play Doh for Kids
Added on : Wednesday July 23rd 2014 02:00:05 AM
g: 0 Posted By: remick
Views: 129 Replies: 0 http://www.amazon.com/gp/product/B00L0OADIE

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Bank abusing customers and breaching arbitrator's rules. Pt 2
Added on : Tuesday July 22nd 2014 05:00:06 AM
g: 0 Posted By: emcdemc
Views: 106 Replies: 0 The original was archived and is here:http://www.fullofdeals.com/forums/finance/1286095/

The latest:

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

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

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

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

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

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

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

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

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

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

Well, that's the latest.

Thoughts?


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g: 0 Posted By: remick
Views: 131 Replies: 0 http://www.amazon.com/2015-Astronomical-Year-Reference-Astronomy...

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g: 3 Posted By: reycer
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g: 1 Posted By: reycer
Views: 163 Replies: 1 I got a sample bottle of this solution from my detailer for in between waxes and found that you can really 'wash' your car with it using a lot less water. I wouldn't recommend it for a super dirty car, but otherwise it works great and seems to add some protection. California is experiencing a very serious drought and my city has imposed a ban on washing cars. I was about to buy a bottle when noticed it on sale. Here is the link:

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g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

My wife last saw her mother when she was 12. She was left with her father.
Same for my wife's half brother, he was left with his father in another state.
Needless to say, she's not the best mother.

My wife grew up with her father and step-mom. Everything worked out.

A few years ago my wife first found her half brother via the internet.
Then, a while after that, her bio-mom got back in touch with her, again via the internet.

A few months ago she called and let my wife know she was having seizures.
Today, we got a phone call in spanish, and after some translation thanks to google, we figured out they were asking her to call her mom. I'm assuming the mom didn't have enough money for an international call.
My wife called, and found out she has brain cancer, and the doctors say she has around 2 months left.

We can not afford to go visit. Even if my wife went alone, the price of a ticket is just out of range to visit someone that...in all honesty wasn't someone my wife was that attached to.
Obviously she's upset, but she agrees its just not feasible to spend $2000 and 48 hours on a plane to do a visit. They'll be doing some video chatting and phone calls (I'll make sure I'll record it for when the kids are older).

I have some financial concerns -
The mom put my wife down as an emergency contact with her medical info. The mother is flat broke. For a time she lived in an orphanage and was given room and board in exchange for working. Now it sounds like she's living with a friend. Has no job, etc.If, for example, my wife wanted her ashes to split with her half brother, how would that be worked out? We're not 100% trusting of her mom, and I'm wary of being scammed by working with a "friend" of the mom or something.

It is my understanding she has dual citizenship with the US (or at least, never renounced her argentine citizenship). She immigrated to the US when she was very young, and was in the US Army and received an honorable discharge. She mentioned there may be life insurance money, or at least money for a burial or cremation through the VA. She is also apparently owed quite a bit of back disability money by the VA. She's asked my wife to help her get that sorted out a number of times, she's tried, we'll get the mom in contact with the right people, then something never happens, wait a few months, rinse, repeat. Should I be contacting a lawyer to figure this out? Is it even worth pursuing? I'm not trying to approach this like I could make some cash, but if there is the possibility that my wife could get something to put towards her education costs (she starts an MBA program next month) that would certainly be beneficial.

Not speaking any spanish (my wife speaks restaurant spanish at best), what is the best route to go to get things like a copy of the death certificate, any personal belongings the mom wants my wife or her brother to have after death, etc. The mom is making sure her friends and the hospital have my wife's information. The language barrier is a problem. This isn't the first time we've gotten a phone call from someone whom only speaks spanish, and had to use google translate and yes/no questions to figure out what was doing on.

Are there any scams I should be aware of that could be going on here (besides the mom making this whole thing up. Which we've discussed, but she's not asked for any money or anything thus far).

Any advice or suggestions anyone has, I'd certainly appreciate.

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
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g: 1 Posted By: ctgolfer
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g: 0 Posted By: ctgolfer
Views: 96 Replies: 0 $149.99 after $30 mail-in rebate

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Added on : Thursday June 26th 2014 09:00:08 AM
g: 0 Posted By: mylind
Views: 209 Replies: 0 http://www.amazon.com/gp/product/B00G00QBUW

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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.


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g: 0 Posted By: ctgolfer
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Lucky Bums Kids Quick-Camp Pop-Up Tents 5-Colors $24.99 @ Woot
Added on : Saturday June 21st 2014 08:00:05 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5

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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.
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g: 0 Posted By: Deals4mykids
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Added on : Thursday June 19th 2014 07:00:06 AM
g: 0 Posted By: remick
Views: 103 Replies: 0 http://www.amazon.com/gp/product/B00DLHL3BO

As Aquaponics becomes more popular with gardeners and enthusiasts everywhere, sometimes basic fish health and proper care, can be overlooked. Much of this is largely due to not enough knowledge about their needs requirements and living conditions. This book is designed to give the beginner and mid-range Aquaponic grower a good foundation in providing the best possible care to their fish. All those little questions people ask about raising fish in Aquaponic systems can be answered in the Essential Fish Care Book. These living, breathing creatures will provide a healthy source of protein at the dinner table, if we take good care of their needs first.
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g: 0 Posted By: hellokitty27
Views: 111 Replies: 0 Tanga has the Altra Men's or Women's Three Sum Running Shoesfor $64.99 w/ $5.00 shipping. Cost $80+ at most other retailers on Google Shopping.

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House Fire (structure coverage denied)
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: Truck78
Views: 1 Replies: 0 Ok. So I am learning a lesson the hard way (review your policy often)....anyways.

Recently I had a house fire that began by a family member of mine in my home that I was no longer living in. This family member lives "bare minimum" and was using the home most days of the week and taking care of the property. I don't think the family member makes a difference anyways as you read the reason for denial. The fire was ruled accidental. The house has an equity line of credit on it but the insurance did NOT reflect the bank as a lien holder.

Fast forward six weeks after the fire....I get an email from the senior adjuster APPROVING my entire claim. Mind you, I was upfront about me NOT living in the home at the time of the fire. In fact I had moved out to a different part of town about a year prior (the home was thus for sale) which was explained to the insurance company. Anyways....the very next day after the approval email I get an email saying the claim has been sent to the "legal team" and thus they are still investigating. After another several weeks I finally get the denial call (with a followup email and letter).

The personal property (appliances, that we still there) was approved. A check was issued for that (not cashed yet). The structural damage was denied stating the reason "Insured was no longer residing at insured location".

I have spoken with two "insurance only" attorneys here and both stated the case is weak since I indeed did not live at the premises. I understand that but I stated that to the insurance company right away. I am looking at this as a "Hey even you guys can't interpret your own policy correctly".

Anyway....My point is since they initially approved my claim then later denied it without anything new coming to light do I have a case if a jury heard it? Any other advice?

Important take away:

1. I was the named insured but not living at the insured premises
2. Have a mortgage but bank was NOT on the insurance (don't know how that happened)
3. Claim entirely approved (structure and personal property) then later structure damage denied but personal property approved
4. I believe the insurance company had this claim as a total loss (but they never confirmed that)

I am pessimistic about the outcome.... so here I am asking for your thoughts....or insults ( i.e. "you're an idiot" )

Thanks
g: 1 Posted By: lovelybones
Views: 427 Replies: 5 http://www.amazon.com/Corsair-Flash-Voyager-256GB-CMFVYGT3B-256G...

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g: 0 Posted By: lovelybones
Views: 77 Replies: 0 http://www.amazon.com/Corsair-Flash-Voyager-256GB-CMFVYGT3B-256G...

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Interface: USB 3.0
Unformatted Capacity: 256GB
Operating System: Windows 7, Windows Vista, Windows XP, Windows 2000, Windows Me, Mac OS X v9.x and above, Linux Kernel 2.4.2 and higher
Maximum Read Speed: 230MB/sec (USB 3.0)
Maximum Write Speed: 160MB/sec (USB 3.0)
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g: 0 Posted By: ctgolfer
Views: 26 Replies: 0 The new Rokinon 35mm Cine Lens is made especially for DSLR video enthusiasts, videographers and cinematographers. It features the same outstanding image quality as the standard Rokinon 35mm F1.4 lens but has the added benefits of de-clicked apertures and follow focus compatibility. De-clicked apertures means that there are no hard clicks when changing apertures and the aperture can be manually set to a very specific number (like f/1.7, f/2.8). The lens has also been contstructed so that it can be easily attached to follow focus systems which are widely used by videographers. The Rokinon Cine lenses are the most affordable, high quality lenses in the market today.

Product Features

35mm fixed focal length t/1.5-22 aperture range
Manual focus
Features the same outstanding optical quality as the highly rated Rokinon 35mm f/1.4 lens
Features de-clicked aperture to reduce noise and to allow more specific manual aperture settings
Lens is follow focus compatible to enable the user to focus and use the aperture ring without interrupting video shooting
Includes front and rear lens caps, remoevable hood, lens pouch, instruction manual and 1 year
Rokinon warranty


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Homeowner capital gain exclusion for mixed use property
Added on : Tuesday June 10th 2014 09:00:13 AM
g: 0 Posted By: bondo123
Views: 122 Replies: 0 Hello,

I moved out the house and has been renting the entire house since Sep 2011 , thus past September this year will no longer qualifies for the $250k homeowner capital gain tax exclusion,

Pub 523 page 16 under Property Used Partly for Business or Rental says if the part of your property used for business or to produce rental income is within your home, such as a room used as a home office or business, you do not need to allocate gain on the sale of the property between the business part of the property and the part used as a home.

But all the examples I can find regarding mixed use including the ones provided by IRS are for business uses, like somebody uses a den in his home as a business office, and no example for renting out a room.

So my questions are:

1) Does renting out part of your house while living in a part as your primary residence really qualify for exclusion for the gain of the whole house ? if so this would be a very favorable tax treatment, you can get rental income and also by the time you sell you can exclude even the gain for the rental portion

2) If #1 above is true, I assume in the future I can move back in the house live in a room as my primary residence and rent out the rest for another two years and re-qualify for the capital gain exclusion for the whole house below my $250k limit again..am I missing something ? again I could not find any examples for this scenario


I know I still have to prorate gain exclusion for non-qualified periods and pay tax on unrecaptured section 1250 gain.

Any feedback is welcome, thanks in advance
Personal Finance Deals
g: 0 Posted By: ywd
Views: 152 Replies: 0 Motorola MR350R @ walmartMotorola Talkabout MR350 is the ultimate communication tool for the serious outdoor enthusiast. With a range of up to 35 miles* and loaded with every possible radio feature, you know that with the MR350, you are ready for the extreme outdoors. Lightweight and rugged, with extra large buttons to help you operate even with gloves on, the MR350 is built to handle any challenge without weighing you down.TOTAL EMERGENCY PREPAREDNESS
The MR350 includes an emergency alert feature, allowing you to enjoy your escape to the great outdoors with confidence that others can be informed of any dangers that may come your way. When the alert button is activated, the radio transmits an alert siren followed by transmission of spoken or incidental sounds. This allows you to send the signal to other radios and warn of impending danger. The MR350 also features a built-in LED flashlight for peace-of-mind during evening adventures or unexpected emergencies and power outages.

**NOAA WEATHER CHANNEL
Want to keep in touch with changing weather conditions during your family camping adventure? No need to stop the fun weather alerts will provide your group with warnings of incoming storms or dangerous conditions. And, by tuning in to one of 7 NOAA channels (National Oceanic and Atmospheric Administration) on your MR350, you will always know what to pack with continuous local and regional weather broadcasting.

EXTRA POWER WHEN YOU NEED IT MOST
Push-To-Talk Power Boost, when activated, allows you to extend the transmission range by increasing the transmitter power output while saving battery life when no power boost is necessary.

HANDS-FREE COMMUNICATION
When you are hiking up a steep mountain trail, you really need to keep your hands free to brace the rocky terrain. With iVOX acting like a speakerphone and allowing hands-free communication, you can keep on moving without stopping to answer a call.

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Designed to fit every lifestyle, the MR350 allows you the convenience of charging four distinct ways. Use the provided desktop charger at home or a mini-USB car cable on your way to soccer practice. Pack a mini-USB wall cable for recharge in the hotel during your family vacation or simply charge from your PC when no power outlet is available using a mini-USB PC cable. (Mini-USB car, wall and PC cables are sold separately.)

SILENT SIGNALS
The VibraCall silent vibrating ringer is especially useful for locations where ringing can be intrusive. This feature is also great when noise from a sporting event would drown out your ring tone.

MR350R includes

2 radios
2 belt clips
1 dual drop-in charger
1 charging adaptor
2 NiMH rechargeable battery packs
1 Emergency Preparedness checklist sheet
Available in Black

*How far can I expect my radios to communicate? The communication range quoted is calculated under optimum conditions, with an unobstructed line of sight. Actual range will vary depending on terrain and conditions, and is often less than the maximum possible. Your actual range will be limited by several factors including, but not limited to, terrain, weather conditions, electromagnetic interference and obstructions.

**NOAA radio service may not be available in all areas. Check with your local weather office for frequency and details, or visit www.weather.gov/nwr, (Canada: www.msc.ec.gc.ca/msb/weatheradio)
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Henry US Survival Rifle .22 LR Black AR-7 $178 - Free Shipping
Added on : Saturday June 07th 2014 08:00:05 AM
g: 1 Posted By: santori1
Views: 94 Replies: 0 Can be foundhere:

Notes:

Yes, I know, it has been posted before. That was over 500 days ago, not the same store, not the same price.
Yes, I know, there are superior products like the Ruger 10/22 takedown, or the Marlin Papoose, but both of those cost more, and do not have the receiver and barrel store in the buttstock.
Yes, I know, that some have had problems with FTF, FTE, etc. Henry Mfg. has a very good customer support dept. I have never had an issue with mine FWIW.
Yes, I know, that even though this is the price and there is free shipping, one would have to pay the FFL for the transfer, and in some states, state sales tax in addition. These additional charges are NOT part of the sales price, thus the title remains.


Keep in mind that this is just a fun little shooter, at a great price.


g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 $34.99 after $20 mail-in rebate

Thermaltake New Soprano Mid Tower Case Snow
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g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B004EHZTVA/

Traveling to places where wild trout and game fish abound, author Keith Foxe zigzags across the U.S. traveling to Montana, Oregon, California, Massachusetts, Florida, Connecticut and ending in Pennsylvania to realize his fly fishing satori. The obsession becomes the wild brown trout of the legendary Letort Spring in Carlisle where he sets his goal to catch the defining trout. In the process his journey is interrupted by the dying days of 80's Yuppie culture in Manhattan, the dot com boom (1.0 and 2.0) in Silicon Valley, marriage, divorce, children and the technocracy of the new millennium. A must read for fly fishermen, Kindle enthusiasts, outdoor adventure lovers and spiritual dilettantes.
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Wells Fargo CC BT to checking!
Added on : Thursday June 05th 2014 04:00:10 AM
g: 0 Posted By: swampwiz
Views: 102 Replies: 7 I was getting ready to ask for advice as to how to do a BT to a debit card linked to a checking account @ TDAmeritrade (which doesn't seem to allow it), but what do you know, Wells Fargo will allow the BT to go into a checking account! Damn good terms too: 4% fee, 0% for 18 months! A few days from now I will be able to get it so that the 18 months end after the cycle in Dec 2015, and thus not have to pay until Jan 7, 2016 which will allow me to access the cash from the Roth IRA conversion basis from 2011 without the 10% penalty to pay it back!

Who needs drugs when one can get the same jolt of euphoria from saving money!
Deal Deals
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
Inheritance Question
Added on : Tuesday June 03rd 2014 06:00:06 AM
g: 0 Posted By: dd564
Views: 16 Replies: 0 Family situation:
I have 3 brothers and a sister. All five of us are married and are in our late 30's - early 40's.
My parents are 82 and 67 and they live on a farm where we all grew up. The farm has been in the family for a couple generations and it is important to my dad that after they pass away that the farm stays in our family name.

Because of this, they don't want my sister to move to the home because she has a different last name.
I don't want to move to it because my wife and I aren't interested. We live about 30 minutes away, and don't see ourselves moving there in the next 5, 10, 20, 40 years. Two of my other brothers don't want it or couldn't afford to buy it. The other no one wants to take it, because it would turn into a junkyard of waste like his current house.

One of the things they are trying to put into the will / trust is that the farm must stay in the family name. I'm not sure if this is for a number of years, or until we all die, or what. No one has any idea who would actually live there or be able to purchase it, or want to. They think just renting out the land is good income that could be split five-ways. Meanwhile, the house and home place doesn't have a logical new owner.
Also, my three brothers who live nearby all use the current buildings for storage, work-space, etc., and my sister and I assume they'll continue this use (thus they like the idea of the farm staying in the name) after they pass.

I believe the way it is written, this would be shared property. My concern is that in this situation, what is to prevent anyone (a sibling, or an in-law) to use the inherited land as collateral, essentially creating a cesspool of debt if they should desire.

Is my concern unwarranted?

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: 0 Posted By: tedhawkins
Views: 134 Replies: 0 BSA Optics Majestic DX 10x42mm Binocular & LG 3.5-10x50 Scope Combo $109.94 Shipped

http://www.gearhog.com/?did=67897

Deal Overview
A great hunting duo, the BSA Optics Majestic DX 10x42mm Binocular & LG 3.5-10x50 Scope Combo gives hunters and outdoor enthusiasts to not only accurately see their targets, but mark them too.

This binocular and rifle scope combo from the specialists at BSA Optics and Laser Genetics allows you to see incredibly clear images from extremely far distances and be able to locate your Target clearly. The BSA Optics 10x42mm Majestic DX BAK-4 Roof Prism Outdoor Binocular feature fully multi-coated optics, a BAK-4 prism and a wide angle eye piece. BSA Optics Binoculars are made with Brightview technology that provides optimum light transmission with sharp, clear edge image resolution, and its lightweight, rubber armored, magnesium housing is extremely durable and long lasting.

The Laser Genetics 3.5-10x50mm Rifle Scope offers high magnification with ultra-clear sighting to zero in at wild game that may be nearby.

For easy Target identification and acquisition, choose the winning dynamic duo of the BSA Optics Majestic DX 10x42mm Binoculars & Laser Genetics 3.5-10x50 Riflescope Combo!
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g: 0 Posted By: Xenocrates
Views: 42 Replies: 0 Coupon Code: FATWALLET

Popular Science- $4.99 for a 1 yr. subscription - Up to 3 years

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Bundle:Shape & Men's Fitness- $6.99for a 1 yr. subscription to each - Up to 3 years


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g: 0 Posted By: ArtieLange
Views: 113 Replies: 0 PNY XLR8 PRO SSD9SC240GCDA-RB 2.5" 240GB SATA III Internal Solid State Drive (SSD) $109.99 shipped W/Code: EXLEMC2297 After $10 MIR Newegg

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g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 use promo code: FATWALLET

Automobile is the magazine for auto enthusiasts. This magazine subscription focuses on the history of cars, their impact on the world, and what the future has in store. Each issue features road tests, car reviews, tips for collectors, the latest results in auto sports, and market analysis of the new and vintage car markets.

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g: 0 Posted By: lonelyaccountant
Views: 129 Replies: 0 REPLACEMENT BRAKE DISC AND PAD KIT, 2-WHEEL SET only 91.54 at Auto Parts Warehouse.
a good deal for you car enthusiasts and DIY ers out there...normally this costs 108.02.

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g: 0 Posted By: dxulab
Views: 57 Replies: 2 I'm not planning to use a realtor and want to get at least 3% discount on the sale price for that. Seller agent sounds like an aggressive salesperson on the phone, thus might be a problem. What is the best approach in this scenario? Thanks!
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Free Subscription to Wine Enthusiast - FBM
Added on : Thursday May 22nd 2014 06:00:07 AM
g: 0 Posted By: remick
Views: 175 Replies: 0 https://tradepub.freebizmag.com/20000452/welcome.html
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g: 0 Posted By: DaysFan
Views: 64 Replies: 0 SoCalif Free Event Memorial Weekend Valley Greek Festival in Northridge, CaValley Greek Festival in Northridge, CaliforniaSaturday through Monday, May 24-26, 2014The San Fernando Valley's annual Greek Festival is taking place on Saturday through Monday, May 24-26, 2014 at Saint Nicholas Greek Orthodox Church. The festival evokes the sights, sounds and tastes that define the traditional Greek way of life. Enjoy the hospitality of the Valley's Greek community, and experience the simple pleasures of life in a Greek village.Dozens of volunteers enthusiastically staff their booths, creating a convivial, welcoming atmosphere. Festival-goers will not want to miss the delicious Greek food. Delectable festival favorites like gyros and moussaka. And no Greek village would be complete without homemade pastries from Yia Yia's traditional recipes: baklava, melomakarona, and kataifi are just a few of the sweet treats to delight you.Listen to the distinctive sounds of the bouzouki and other exotic instruments played by authentic Greek musicians who perform traditional and popular songs. Delight in the beauty of the elaborate costumes worn by performers as they share their carefully practiced steps and intricate dances with the enthusiastic audience.Enjoy participating in the same dances you would perform in the traditional villages of Greece. Dance the afternoon away, eat delicious Greek food, shop in the Greek marketplace, relax and enjoy yourself under the trees in the warm embrace of the best Greek culture has to offer.Learn more about our church by taking a church tour.So maybe you can't make it all the way to Greece this year. The Valley Greek Festival is the next best thing to being there!http://valleygreekfestival.com/images/vgf_greek_festival_2014_650px_180px.jpghttp://valleygreekfestival.com/images/vgf_cares_food_pantry_650px_225px.pnghttp://valleygreekfestival.com/about/
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Free Kindle Book - Changin Times: 101 Days That Shaped a Generation
Added on : Wednesday May 21st 2014 07:00:06 AM
g: 1 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/dp/B00KDHP0IW

Fifty years on, November 22, 1963 continues to resonate. For most of us, that was when America lost its youthful leaderas well as a certain amount of innocence. But it was also the day that, over in Britain, the making of a cultural tsunami was taking shape. That Friday saw the release of With the Beatles, the second album from what would soon be called Englands Phenomenal Pop Combo.

The story of the New Frontier giving way to the British Invasion is thus inextricably intertwined in public memory. Sadness and loss were soon eclipsed by joy and exhilaration brought on by this novel act when they arrived in the states months later. On February 9, 1964, it is no exaggeration to say that America was once again united before their television sets in a way they hadnt been since the awful events of the previous autumnthis time, for more positive reasons.

The Beatles debut on The Ed Sullivan Show was a watershed event that quite literally changed countless lives. But in the years since that momentous occasion, conventional wisdom has conflated the two events: the youth of America got over their grief when these four youngsters from Liverpool cheered them up with their exuberance and charm. It was as though without a national tragedy first occurring, the road to the groups success and acceptance here might not have happenedat least not on the same hysterical scale.

As detailed in Changin Times: 101 Days That Shaped A Generation, pop culture historian Al Sussman challenges this media-fueled mythology, describing the cultural British Invasion already well underway before President Kennedy ever went to Texas. Likewise, the notion that the December 1963 success of The Singing Nuns Dominique, chalked up to a mourning country in no mood for rock n roll, is belied by The Kingsmens inscrutable Louie Louie simultaneously dominating local markets.

Changin Times takes you on a journey back to a very singular moment of transformation in American Historyfor a generation, and for the world as well. Sussman leaves no cultural touchstone unturned, revealing how, in Dylans words, the times they are a-changin was no overstatement.
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g: 0 Posted By: rendition
Views: 123 Replies: 0 Ceramic peeler and knives. This set comes with one 3" knife and one 6" knife as well as a vertical peeler for $11.99 with free shipping.One 3" and one 6" blade protector are included.

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Ceramic knife & peeler info:

- Steel knives dull quickly by developing burrs on the blade.
- Ceramic knives are made of zirconia which is nearly as strong as diamond.
- Ceramic knives keep their razor sharp edge because the blade will micro-chip over time, leaving plenty of sharp blade behind, they will not burr.
- Even the largest ceramic knife can cut a potato thin enough for chips or tomatoes so thin you can see through them.
- Zirconia is a bio-neutral material, it leaves nothing on your food like a metal knife will. You can cut a head of lettuce with a metal knife and the metal ions will start to turn the lettuce brown, this will not happen with a ceramic knife.
- Ceramic knives are a must for health conscious chefs, vegans and raw foods enthusiasts.
Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 125 Replies: 1 Super easy set-up! Ready for water in as little as 10 minutes!
- Water capacity: 2,822 gallons (10,680 L) at 80% full
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- Stronger construction - Easy Set Pools have SUPER-TOUGH 30 gauge sidewalls that are made with 3 separate layers of material for extra strength & durability: 2 outer layers of heavy-gauge PVC are laminated to an inner layer of polyester mesh for extra reinforcement!
- More durability - Made with SUPER-TOUGH Plastic, a high density molecular PVC plastic that is unaffected by gasoline, oil and salt water. SUPER-TOUGH Plastic is also highly resistant to damage from abrasion, impact and sunlight. This hybrid plastic allows more air pressure for rigidity thus the pool wall is very stable.
- No sand required - all an Easy Set above ground pool needs is level ground. Do not try this with a steel-sided above ground pool! You will need up to 2000 lbs of sand to secure the pool walls! Easy Set Pools do not need sand to support their walls!
- Easy Set above ground pools are great for adults and kids. PLEASE NOTE: Children should always be supervised by a competent adult when using or in proximity to any pool!
- Easy Set above ground pools drain conveniently! The drain plug accepts a garden hose to drain water away from the pool area as desired.
- Easy Set above ground pools are much easier to disassemble than any rigid steel-walled pool. Storing your Easy Set pool during the off-season is a breeze and will extend your above ground pool's life indefinitely.
- Easy Set above ground pools are affordably priced to keep you cool all Summer long!
- 15' x 36" Easy Set above ground pool set includes:
- (1) 15'x36" Above Ground Easy Set Pool
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- Item Weight: 46 LBS
- Product Dimensions: 15' diameter x 3' (36") height

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g: 0 Posted By: robronson
Views: 125 Replies: 0 I travel for a living and build up a lot of free frequent flier and other reward points. However, since I travel so much for work, I have zero desire to travel for fun, at least anytime soon. I thought about saving the points for use in a few years when I eventually stop traveling consulting work, but as experience of recent years dictates, I can guarantee a huge devaluation of the points over that time frame. Also, there's no reason I couldn't cash in my points now, and then about 6 months before I decide to "retire" from this line of traveling consulting work, start saving again since 6 months worth of points for a weekly traveler is enough reward points for 3 to 5 years of vacations.

That said, how can we cash out our points for non-travel rewards in the most efficient, least-riskiest way? Selling the points is out of the question due to the high risk. The risk of getting caught and being blacklisted from ever getting any additional points is not worth it. The best I've come up with is the following:

1) Cash them out for gift cards for places like Amazon and use them for personal purchases. Southwest offers redemption for Amazon GCs at 1 point per 1 cent. 50,000 points per $500. I can easily earn 50,000 points every 3 months of travel which is $2,000 per year in Amazon gift cards. That's enough for a new laptop and a new large flat panel television per year. Pretty sweet considering it's tax-free benefit of working.

2) Cash them in for gift cards/travel on the airline/hotel itself, and then remit those expenses to the client. Unethical? Maybe. Illegal? Not sure. I can see it borderline. The way this would work is cashing in 100k+ Marriott Points for Marriott Gift Cards and then paying for your hotel stay with the Gift Card, and then submitting your receipt to the client for reimbursement. With airliners, you may be able to book flight with your points on a refundable trip, cancel the flight, get a voucher for money, apply that voucher for a future light to your client, and submit an invoice for that flight.

Option 2 seems like it would be a higher payout since you usually get higher rewards if used directly with the place you earned them and you get Cash Back from the client. The downside is option 2 seems like it could be considered unethical or illegal. I'm not a lawyer. I do know the following is legal:

I book a flight for a client, pay on my personal credit card. Client cancels the trip to meet their needs. I paid for the trip out of pocket but don't get reimbursed because I didn't actually make a trip for the client. Assuming it's refundable airfare, I can use the voucher towards a future client trip, and get reimbursed for this at that future time. Perfectly legal, perfectly ethical, no problems. However, if I received the voucher by virtue of trading in my FF points, then I can see the argument that it's wrong to use the voucher for a future trip and get reimbursed. I say this because I know it's considered unethical to book a flight with FF points and try to expense that to the client. In my new method, while I am using points to pay for the trip, I'm first using the points to book a flight, cancel it, get a voucher, and apply the voucher to the new flight.

It's also legal for me to go to Lowes with my Chase Freedom card during Q2 with 5% Lowes CashBack, buy Marriott/Southwest Gift Cards, pay for my flight with those GCs, and expense them at full cost. No problems with that ethically or legally, especially since I can prove I paid for the GCs with cash out of pocket. Thus, maybe if I use my Marriott points to buy Marriott Gift Cards, I can do the same even though it's unethical to book a room with points and expense it.

I'd justify it this way: if you get frequent flier points they are not considered taxable income but they are considered property because your ex-wife could sue you for them as an asset (as per one of the opening scenes in the movie Wedding Crashers).

Justification stated, I feel more comfortable cashing out for Amazon Gift Cards because it feels less risky and more ethical. Not sure what to do with Marriott, Hilton, IPG points since they don't appear to be able to cash out for any GCs worth using.
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g: 1 Posted By: ctgolfer
Views: 129 Replies: 0 $99.99 after $10 mail-in rebate

Ideal for advanced DSLR cameras
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g: 1 Posted By: ctgolfer
Views: 94 Replies: 1 SimulView Technology: Delivers two, individual, full 2D high-definition screen visuals to each player in two-player mode while wearing the PlayStation 3D Glasses.
3-in-1 Display: All-in-one solution that works seamlessly with any HD gaming console, digital or satellite cable TV box, and PC via component or HDMI cable for all of your HD content.
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g: 0 Posted By: Logan71
Views: 7 Replies: 0 Description:

ATI Firepower Xtreme .45ACP caliber 1911 pistol series from Shooters Arms Manufacturing in the Philippines. Available in 5 different models, from classic military, competition and bull barrel designs, the FX 1911 series features all steel parts, solid mahogany grips and a price point that wont break the bank. Compatible with many different brands of 1911 magazine, the FX series is certain to have the 1911 pistol enthusiast set for hours of satisfactory shooting.

Manufacturer American Tactical Imports
SKU GAG_ATATIGFX45GI
Condition New in Box
Caliber .45 ACP
UPC 813393012754
Model FX45 GI
Manufacturer Part Number ATIGFX45GIDescription:

There's a rebate of $30 on some ATI /GSG guns but I cant see where it applies to this pistol. Regardless, final price may be $299 + FFL + tax.

Link
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g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/dp/B005BOXOS0/

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A cosmic view of God's plan-from start to finish!

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g: -2 Posted By: ArtieLange
Views: 93 Replies: 1 Lang Butterflies 2014 Monthly Pocket Planner $1.99 free pickup WalMart

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Employer went BK in 2008 - court date soon
Added on : Saturday May 10th 2014 10:00:08 AM
g: 0 Posted By: RussianInNYC
Views: 70 Replies: 1 Seeking advice here as amount in question does not justify hiring a BK lawyer.
Here is the story. My employer went BK in 2008 owing me quite a lot of money in deferred comp in the form of RSU, having not paid accrued 401k match (match was paid once a year and BK happened couple of month before payment), and having stiffed me on stabled value fund breaking a buck in the 401k.
I have filed a "priority" claim against the employer's estate as unpaid employer compensation has a priority in BK proceedings.
Bulk of my claim (RSU part) was re-classified to equity stake using the logic that deferral into the RSU constitutes payment in shares - even though no shares were delivered. I see some rationale for that - as RSU-form compensation is meant to align shareholder interests with employee interests - thus did not object to the trustee's move and did not request hearing in front of the judge.
401k part match is different. I strongly believe that accrued 401k match is not different that unpaid salary and constitutes part of the employee comp. Non-BK company cannot renege on the accrued match - even though they can stop the match going. Using this logic, I objected to the denial of the claim by the trustees due to "no 401k liability" - and looks like I and another guy are the only ones who are set to appear in front of the judge to support the objection.
Also, stable value fund breaking the buck as a direct consequence of BK filing should be treated as any other un-secured claim (if not priority claim) - move to deny it due to the loss being inside 401k is similar to denying the recovery on any other unsecured BK bond in 401k/IRA. Am I right here?
What are our your thoughts here? How should I prepare to support my thinking? I did search for the precedents and could not find any - maybe Google search is not enough?
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TouchDevelop: Programming on the Go - Free Kindle book Reg $24.99
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g: 0 Posted By: sanereddy
Views: 177 Replies: 0 TouchDevelop: Programming on the Go
"The book is great! It's clear and easy to read, with loads of examples that showed my students what to do."

-- Larry Snyder, Emeritus Professor, University of Washington, Department of Computer Science and Engineering

Having the TouchDevelop book available made our events so much easier. Students could figure things out for themselves with help from the book.

-- Jennifer Marsman, Microsoft Principal Developer Evangelist

Mobiledevices such as smartphones and tablets are set to become the main computersthat virtually all people will own and carry with them at all times. And yet,mobile devices are not yet used for all computing tasks. A project at MicrosoftResearch was created to answer a simple question: It is possible to createinteresting apps directly on a smartphone or tablet, without using a separatePC or a keyboard? The result is TouchDevelop, a programming environment thatruns on all modern mobile devices such as Windows Phone, iPhone, iPad, Androidphones and tablets, and also on PCs and Macs.

This book walks you through all of the screens of the TouchDevelop app, and itpoints out similarities and differences of the TouchDevelop language comparedto other programming languages. For users, the book can serve as a handyreference next to the phone. The book systematically addresses all programminglanguage constructs, starting from the very basic constructs such as variablesand loops. The book also explores many of the phone sensors and data sourceswhich makecreating apps for mobile devices so rewarding.

If you are new to programming with TouchDevelop, or if you have not yet workedon touchscreen devices, we suggest that you read the book starting from Chapter1. If you are already familiar with the basic paradigm of the TouchDevelopprogramming environment, then feel free to jump ahead to the later chaptersthat address particular topic areas.

This book is written from theperspective of a person developing their code using a web browser. TheTouchDevelop Web App runs in many modern browsers on many different devicesincluding smartphones and tablets, Macs, PC. All screenshots and navigationinstructions refer to the TouchDevelop Web App running in a browser. ForWindows Phone, there is a dedicated TouchDevelop app in the Windows Phone Storewhich gives access to many more sensors and data sources. Starting with theTouchDevelop app v3.0 for Windows Phone 8, the phone app will share the samelook and navigation structure and all features of the Web App.What youll learn

The little tricks to programming on your mobile devices and for a mobile device
The scripting language and cloud-based ecosystem
Using cameras, video and audio, and other sensors such as a microphone, accelerometer, compass, and gyroscope
Access to the web, authorized access to web services
How to write simple games using a built-in physics engine

Who this book is forThis programming language was written for people who wish tobe able to create apps from their phone. This scenario is particularlyappealing to enthusiastic end-users who own mobile devices and students, whoare the Target audience of this book.
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g: 0 Posted By: tedhawkins
Views: 29 Replies: 0 Western Digital My Passport 2 TB Portable Hard Drive - + Lexar 16GB USB Drive Black $89.99 FS

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g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/91-Days-Iceland-Michael-Powell-ebook/dp/B0...

A collection of stories, photography and advice from three months spent in Iceland, an isolated country in the North Atlantic filled with wondrous and bizarre nature. Mike and Jrgen are travelers who spend 91 days in various locations around the world, capturing the history, lifestyle and culture of their temporary homes. With the enthusiasm of newcomers, they've explored Iceland from north to south, and east to west, visiting both the most popular sights and uncovering some hidden gems.

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Free Kindle Book- The Mega Guide to Crappie Fishing
Added on : Tuesday May 06th 2014 07:00:04 PM
g: 1 Posted By: remick
Views: 141 Replies: 0 http://www.amazon.com/gp/product/B00K3WJIW6

The Mega Guide to Crappie Fishing was designed for novice and intermediate crappie enthusiasts who wish to learn specific techniques related to hooking these great game fish in the magnificent freshwater bodies of the USA.

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What is actually more of a challenge is locating and capturing them. This book is divided into two main parts. Part 1: Getting Started with Crappie Fishing discusses the preliminary information that you will need to familiarize yourself with the fish itself, and the process of capturing it in the water. For more information on the two types of crappies that you can find in lakes and rivers, read the section Meet the Crappie.

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g: 0 Posted By: robronson
Views: 1 Replies: 0 How hard/expensive is it to set up an HSA plan under an S-Corp? I don't think you can have your business contribute to your HSA on a pre-SE-tax basis unless you're a W2 employee of the business. So assuming you decide to structure your business this way, with you as a W2, how does one contribute to an HSA on behalf of the employer?

It's $500 of tax savings on a $3250 contribution so assuming there's some kind of annual fee that your S-Corp must pay the HSA custodian, maybe you could do this in December, contribute the $3250 for 2014, then in January, contribute the $3300 (or inflation adjusted max for 2015), and then cancel your plan with the custodian and rollover the money into your free personal HSA (at Patelco or Alliant or wherever you have it). Then repeat the same thing in December of 2016 to get 2016 and 2017 contributions in there.

Assuming the cost of doing this, (after the business deduction of the expense since you get to writeoff the fee you pay the custodian) is less than $500 (which is the SE tax savings), then it may be worth doing.

I'm guessing you can't just have your S-Corp cut a check directly to your personal HSA custodian and say "employer contribution" and then write that off your SE tax money.

Then again, if you're running an S-Corp with you as an employee, then you're probably not distributing 100% of your profit to yourself, you're only distributing enough to meet IRS requirements as what salary you should be getting paid. And if the S-Corp is contributing to your HSA on your behalf, it's unlikely the IRS will allow you to reduce your W2 salary by that amount you pay yourself, so it'd be coming out of the S-corp money that's being retained within the S-corp anyway, which isn't SE-taxed, and thus going through this hassle might not be worth it.

Thoughts?
g: 0 Posted By: DizzyT71
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g: 1 Posted By: ctgolfer
Views: 636 Replies: 2 The Sony Alpha NEX-6 16MP enthusiast mirrorless interchangeable lens camera builds on the features first seen on the NEX-5R, including Wi-Fi, in-camera apps and on-sensor phase detection. In addition it gains the high-resolution, 2.3M dot OLED viewfinder previously seen on the NEX-7, plus an external mode dial. In addition, the NEX-6 becomes the first NEX camera to feature the Sony's revived Quick Navi interactive control panel and an ISO-standard hotshoe. The NEX-6 is launched along with a 16-50mm F3.5-5.6 retractable power zoom lens creating a much smaller zoom kit than was previously possible with the NEX system.

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g: 0 Posted By: ctgolfer
Views: 122 Replies: 0 Easy to Navigate Menus and Rich Graphics - A simple main menu, intuitive contextual menus, and vibrant graphics make this device easy to use
Brilliant, sunlight readable color screen - A vibrant 2.2 color transflective screen provides the best readability in direct sunlight
Rugged and waterproof to IPX-7 standards - Focus on the adventure not protecting the device
High-sensitivity SiRFstarIII GPS with 3-5 meter accuracy - 3-5 meter GPS accuracy provides a superior navigation experience
Pre-loaded World Edition Map - Referencing a complete road network in North America and Western Europe and major roads throughout the rest of the populated world to help in orientation. See parks, rivers, lakes, major city points, and other types of land use areas.
18 Hours of battery life using 2 AA batteries - Go strong for an entire day (or more). No stopping to replace the batteries.
Suspend Mode - The goal is to conserve battery life by putting the device into an advanced power saving mode. Suspend mode will turn off everything except for GPS tracking. Wake up the device with a single click.
Paperless Geocaching - Download and view more than 20 unique characteristics of each cache and view, search, filter on the device. Details include name, location, description, hider, size, difficulty, terrain, hint, spoilers, and last 20 user logs among a number of other details.
500 megabytes of user memory available - Loads of space to store additional maps, geocaches, waypoints, and tracks.
Record Tracks and See Breadcrumbs on the Map Screen - Keep a log of all the steps you took throughout the day. Reference your track to find your way back or to keep a digital journal of all your outdoor adventures
Track Summary - Start your journey with one-click and keep tabs on useful statistics such as distance travelled, average speed, elevation gain and descent, and average time to find
NMEA Message Output (USB Only) - For hardcore outdoor GPS enthusiasts who want to connect their device to laptop running VantagePoint software and see your position on computer screen.
Multiple Coordinates and Map Datums - Navigate around the world and do it accurately. See your geographic location in UTM coordinates or reference the OS Grid for use in Great Britain
Waterproof: IPX-7
CPU: 400MHz
Temperature Range (F): 14F to 140F
Suspend Mode: Yes
Internal Memory: 2 GB
Display Resolution, WxH: QVGA, 240 x 320
Screen Size: 2.2"
Display Type: Color, Transflective
GPS Accuracy: Up to 3-5 meters
High-Sensitivity GPS: SiRFstarIII
Antenna Type: Multidirectional Patch
WAAS/EGNOS/MSAS: Yes
Preloaded Maps: World Edition
Navigation features: Uploadable Maps, Points of Interest, Vertical Profile, Area Calculation, Hunt & Fish Calendar, Sun & Moon Information, Coordinates Systems & Datums, Audible Proximity Alarms
Accepts GPX Files: Yes
Waypoints: 1000
Routes: 50
Geocaches: 10000
Legs Per Route: 50
Paperless Geocaching: Yes
Picture Viewer: Yes
Tracks: 50
Points Per Track: 10000
User Data Online Sharing: Yes
Communication Protocol: USB Mass Storage
USB Port: Yes
NMEA Output: Yes
PC Compatible: Yes
Uses 2x AA batteries
Dimensions: 2.2 x 4.4 x 1.4
Weight: 5.2 ounces
Brand: Magellan
Model: EXPLORIST310
Condition: Factory Refurbished

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g: 0 Posted By: ctgolfer
Views: 61 Replies: 0 use promo code: FATWALLET

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g: 0 Posted By: ctgolfer
Views: 46 Replies: 0 The Sony Alpha NEX-6 16MP enthusiast mirrorless interchangeable lens camera builds on the features first seen on the NEX-5R, including Wi-Fi, in-camera apps and on-sensor phase detection. In addition it gains the high-resolution, 2.3M dot OLED viewfinder previously seen on the NEX-7, plus an external mode dial. In addition, the NEX-6 becomes the first NEX camera to feature the Sony's revived Quick Navi interactive control panel and an ISO-standard hotshoe. The NEX-6 is launched along with a 16-50mm F3.5-5.6 retractable power zoom lens creating a much smaller zoom kit than was previously possible with the NEX system.

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NZXT Phantom Enthusiast Full Tower - $89.99*
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Save 15.00 with coupon code DHR123457 at checkout. Normally 104.99 before coupon.Now 89.99 after coupon.Offer ends Apr 30 2014 12:00AM
g: -1 Posted By: ctgolfer
Views: 475 Replies: 1 Will Ferrell returns to the role of Ron Burgundy in Anchorman 2: The Legend Continues, which finds the popular San Diego television newsman pulling up stakes with co-host Veronica (Christina Applegate), his intrepid reporter Brian (Paul Rudd), overenthusiastic sports reporter Champ (David Koechner), and imbecilic weatherman Brick (Steve Carell) in order to move to New York City and launch the first ever 24-hour news network. Adam McKay, who directed the original, returns as well to helm this comedy.

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

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g: 0 Posted By: ArtieLange
Views: 134 Replies: 0 ZALMAN CNPS9500 AT 2 Ball CPU Cooling Fan/Heatsink $12.99 after $20.00 rebate w/code EMCPFWB85 Newegg

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g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 Seamless Connection to Geocaching.com User Community - Easily connect to the #1 user community for geocaching and perform "Send to GPS", create and sync Pocket Queries, and upload Field Notes
Free 30 Day Premium Membership to Geocaching.com - Download GPX files, create your own Pocket Queries, and get tons of other premium membership features.
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Paperless Geocaching - Download and view more than 20 unique characteristics of each cache and view, search, filter on the device. Details include name, location, description, hider, size, difficulty, terrain, hint, spoilers, and last 20 user logs among a number of other details
Easy to Navigate Menus and Rich Graphics - A dedicated device means there is no nonsense to by-pass to get to your geocaches. A simply main menu, intuitive contextual menus, and vibrant graphics make this device easy to use
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Picture Viewer - Transfer images within geocache descriptions and view in the field to help locate difficult to find geocaches
Pre-loaded Worldwide Map - Referencing a complete road network in North America and Western Europe and major roads throughout the rest of the populated world to help in orientation. See parks, rivers, lakes, major city points, and other types of land use along side your Target geocaches
18 Hours of battery life using 2 AA batteries - Go strong for an entire day (or more) of geocaching. No stopping to replace the batteries
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On-board user memory - Loads on space to add up to 10,000 geocaches and tons of photos and personalized backgrounds
Create and Store 500 Waypoints - Whether you mark your car, campsite, starting location, or places to re-visit, waypoints are a common and useful feature in all outdoor GPS devices
Record Active Track and See "Breadcrumbs" on the Map Screen - Keep a log of all the steps you took throughout the day hunting for geocaches. Reference your track to find your way back to keep a record of geocaching adventures
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Uses two AA batteries (not included)
Communication Protocol: USB Mass Storage
USB Port: Yes
NMEA Output: USB Only
PC Compatible: Yes
Dimensions: 2.2 x 4.4 x 1.4
Weight: 5.2 ounces
Brand: Magellan
Model: EXPLORISTGC
Condition: Factory Refurbished
Warranty: 90 Day
Packaging: Retail

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Question on rent vs. buy
Added on : Wednesday April 16th 2014 04:00:10 PM
g: 0 Posted By: elektroshok
Views: 123 Replies: 4 Hello everyone -

I'm new here but had a quick question.

I just graduated medical school and will be renting in a city for a year before moving to a different city for at least four years (possibly 5 if I do my fellowship there).

My gross pay for those four years will start at 56k and go up around 3k each year.

My question is basically whether to rent or buy for those four years.
I have already been looking a little bit at condos for sale within 2 miles of the medical complex and there are a few for around 100k which is what I would be looking to get.

My plan if buying would obviously be live there while I'm working and then if/when I move rent it out to new incoming residents that will be training at the medical center. The proximity of the property to the medical center is what is very appealing to me (and thus my thought of renting to future residents if i leave).

Any advice or other things to consider is greatly appreciated.

Thanks.
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g: 6 Posted By: remick
Views: 877 Replies: 2 http://www.amazon.com/gp/product/B00DD38EYU

4.5 out of 5 stars (8 customer reviews)

Mobiledevices such as smartphones and tablets are set to become the main computersthat virtually all people will own and carry with them at all times. And yet,mobile devices are not yet used for all computing tasks. A project at MicrosoftResearch was created to answer a simple question: It is possible to createinteresting apps directly on a smartphone or tablet, without using a separatePC or a keyboard? The result is TouchDevelop, a programming environment thatruns on all modern mobile devices such as Windows Phone, iPhone, iPad, Androidphones and tablets, and also on PCs and Macs.

This book walks you through all of the screens of the TouchDevelop app, and itpoints out similarities and differences of the TouchDevelop language comparedto other programming languages. For users, the book can serve as a handyreference next to the phone. The book systematically addresses all programminglanguage constructs, starting from the very basic constructs such as variablesand loops. The book also explores many of the phone sensors and data sourceswhich make creating apps for mobile devices so rewarding.

If you are new to programming with TouchDevelop, or if you have not yet workedon touchscreen devices, we suggest that you read the book starting from Chapter1. If you are already familiar with the basic paradigm of the TouchDevelopprogramming environment, then feel free to jump ahead to the later chaptersthat address particular topic areas.

This book is written from theperspective of a person developing their code using a web browser. TheTouchDevelop Web App runs in many modern browsers on many different devicesincluding smartphones and tablets, Macs, PC. All screenshots and navigationinstructions refer to the TouchDevelop Web App running in a browser. ForWindows Phone, there is a dedicated TouchDevelop app in the Windows Phone Storewhich gives access to many more sensors and data sources. Starting with theTouchDevelop app v3.0 for Windows Phone 8, the phone app will share the samelook and navigation structure and all features of the Web App.

What youll learn
The little tricks to programming on your mobile devices and for a mobile device
The scripting language and cloud-based ecosystem
Using cameras, video and audio, and other sensors such as a microphone, accelerometer, compass, and gyroscope
Access to the web, authorized access to web services
How to write simple games using a built-in physics engine
Who this book is for
This programming language was written for people who wish tobe able to create apps from their phone. This scenario is particularlyappealing to enthusiastic end-users who own mobile devices and students, whoare the Target audience of this book.



Android on x86: An Introduction to Optimizing for Intel Architecture
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Android on x86: an Introduction to Optimizing for Intel
Architecture serves two main purposes.
First, it makes the case for adapting your applications onto Intels x86
architecture, including discussions of the business potential, the changing
landscape of the Android marketplace, and the unique challenges and
opportunities that arise from x86 devices.
The fundamental idea is that extending your applications to support x86
or creating new ones is not difficult, but it is imperative to know all of the
technicalities. This book is dedicated to providing you with an awareness of
these nuances and an understanding of how to tackle them.

Second, and most importantly, this book provides a one-stop
detailed resource for best practices and procedures associated with the
installation issues, hardware optimization issues, software requirements,
programming tasks, and performance optimizations that emerge when developers
consider the x86 Android devices. Optimization discussions dive into native
code, hardware acceleration, and advanced profiling of multimedia applications.
The authors have collected this information so that you can use the book as a
guide for the specific requirements of each application project.

This book is not dedicated solely to code; instead it is
filled with the information you need in order to take advantage of x86
architecture. It will guide you through
installing the Android SDK for Intel Architecture, help you understand the
differences and similarities between processor architectures available in
Android devices, teach you to create and port applications, debug existing x86
applications, offer solutions for NDK and C++ optimizations, and introduce the
Intel Hardware Accelerated Execution Manager. This book provides the most
useful information to help you get the job done quickly while utilizing best
practices.

What youll learn
The development-relevant differences between Android on ARM and Android on Intel x86
How to set up the SDK for an emulated Intel Android device
How to build the Android OS for the Intel Mobile Processor
How to create new x86 based Android applications, set up testing and performance tuning, and port existing Android applications to work with the x86 processor
How to debug problems they encounter when working on the x86 Android test platform
Intricacies of the Intel Hardware Accelerated Execution Manager. The reader will also gain significant insight into the OpenGL Android support.
Who this book is for
Android developers
Hardware designers who need to understand how Android will work on their processors
CIOs and CEOs of technology-based companies
IT staff who may encounter or need to understand the issues
New startup founders and entrepreneurs
Computer science students



Also Free

Mobile Developer's Guide To The Galaxy
http://www.amazon.com/gp/product/B00BS6RIKU

The free, community driven handbook about mobile technologies: Over 20 experts from all over the world are sharing their know-how on topics like mobile app design, platform-specific aspects of app development, cross-platform development, mobile analytics, accessibility, monetization, app stores, LBS, NFC, app testing and a lot more.
The book is popular among developers wanting to deepen their knowledge and decision-makers planning to enter the mobile business alike. The content gets updates and extended continuously, 13 editions have been published since 2009 and 50,000 hardcopies have been distributed.
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Canon EOS Rebel T5 - digital camera - $549.00
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g: 3 Posted By: remick
Views: 475 Replies: 2 http://www.amazon.com/gp/product/B00DD38EYU

4.5 out of 5 stars (8 customer reviews)

Mobiledevices such as smartphones and tablets are set to become the main computersthat virtually all people will own and carry with them at all times. And yet,mobile devices are not yet used for all computing tasks. A project at MicrosoftResearch was created to answer a simple question: It is possible to createinteresting apps directly on a smartphone or tablet, without using a separatePC or a keyboard? The result is TouchDevelop, a programming environment thatruns on all modern mobile devices such as Windows Phone, iPhone, iPad, Androidphones and tablets, and also on PCs and Macs.

This book walks you through all of the screens of the TouchDevelop app, and itpoints out similarities and differences of the TouchDevelop language comparedto other programming languages. For users, the book can serve as a handyreference next to the phone. The book systematically addresses all programminglanguage constructs, starting from the very basic constructs such as variablesand loops. The book also explores many of the phone sensors and data sourceswhich make creating apps for mobile devices so rewarding.

If you are new to programming with TouchDevelop, or if you have not yet workedon touchscreen devices, we suggest that you read the book starting from Chapter1. If you are already familiar with the basic paradigm of the TouchDevelopprogramming environment, then feel free to jump ahead to the later chaptersthat address particular topic areas.

This book is written from theperspective of a person developing their code using a web browser. TheTouchDevelop Web App runs in many modern browsers on many different devicesincluding smartphones and tablets, Macs, PC. All screenshots and navigationinstructions refer to the TouchDevelop Web App running in a browser. ForWindows Phone, there is a dedicated TouchDevelop app in the Windows Phone Storewhich gives access to many more sensors and data sources. Starting with theTouchDevelop app v3.0 for Windows Phone 8, the phone app will share the samelook and navigation structure and all features of the Web App.

What youll learn
The little tricks to programming on your mobile devices and for a mobile device
The scripting language and cloud-based ecosystem
Using cameras, video and audio, and other sensors such as a microphone, accelerometer, compass, and gyroscope
Access to the web, authorized access to web services
How to write simple games using a built-in physics engine
Who this book is for
This programming language was written for people who wish tobe able to create apps from their phone. This scenario is particularlyappealing to enthusiastic end-users who own mobile devices and students, whoare the Target audience of this book.



Android on x86: An Introduction to Optimizing for Intel Architecture
http://www.amazon.com/gp/product/B00EI22XB0

Android on x86: an Introduction to Optimizing for Intel
Architecture serves two main purposes.
First, it makes the case for adapting your applications onto Intels x86
architecture, including discussions of the business potential, the changing
landscape of the Android marketplace, and the unique challenges and
opportunities that arise from x86 devices.
The fundamental idea is that extending your applications to support x86
or creating new ones is not difficult, but it is imperative to know all of the
technicalities. This book is dedicated to providing you with an awareness of
these nuances and an understanding of how to tackle them.

Second, and most importantly, this book provides a one-stop
detailed resource for best practices and procedures associated with the
installation issues, hardware optimization issues, software requirements,
programming tasks, and performance optimizations that emerge when developers
consider the x86 Android devices. Optimization discussions dive into native
code, hardware acceleration, and advanced profiling of multimedia applications.
The authors have collected this information so that you can use the book as a
guide for the specific requirements of each application project.

This book is not dedicated solely to code; instead it is
filled with the information you need in order to take advantage of x86
architecture. It will guide you through
installing the Android SDK for Intel Architecture, help you understand the
differences and similarities between processor architectures available in
Android devices, teach you to create and port applications, debug existing x86
applications, offer solutions for NDK and C++ optimizations, and introduce the
Intel Hardware Accelerated Execution Manager. This book provides the most
useful information to help you get the job done quickly while utilizing best
practices.

What youll learn
The development-relevant differences between Android on ARM and Android on Intel x86
How to set up the SDK for an emulated Intel Android device
How to build the Android OS for the Intel Mobile Processor
How to create new x86 based Android applications, set up testing and performance tuning, and port existing Android applications to work with the x86 processor
How to debug problems they encounter when working on the x86 Android test platform
Intricacies of the Intel Hardware Accelerated Execution Manager. The reader will also gain significant insight into the OpenGL Android support.
Who this book is for
Android developers
Hardware designers who need to understand how Android will work on their processors
CIOs and CEOs of technology-based companies
IT staff who may encounter or need to understand the issues
New startup founders and entrepreneurs
Computer science students



Also Free

Mobile Developer's Guide To The Galaxy
http://www.amazon.com/gp/product/B00BS6RIKU

The free, community driven handbook about mobile technologies: Over 20 experts from all over the world are sharing their know-how on topics like mobile app design, platform-specific aspects of app development, cross-platform development, mobile analytics, accessibility, monetization, app stores, LBS, NFC, app testing and a lot more.
The book is popular among developers wanting to deepen their knowledge and decision-makers planning to enter the mobile business alike. The content gets updates and extended continuously, 13 editions have been published since 2009 and 50,000 hardcopies have been distributed.
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Amazon Coupons
g: 2 Posted By: ctgolfer
Views: 110 Replies: 0 Product Description
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g: 1 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/Participation-Catherine-MacArthur-Foundati...

Firefox, a free Web browser developed by the Mozilla Foundation, is used by an estimated 270 million people worldwide. To maintain and improve the Firefox browser, Mozilla depends not only on its team of professional programmers and managers but also on a network of volunteer technologists and enthusiasts--free/libre and open source software (FLOSS) developers--who contribute their expertise. This kind of peer production is unique, not only for its vast scale but also for its combination of structured, hierarchical management with open, collaborative volunteer participation. In this MacArthur Foundation Report, David Booth examines the Mozilla Foundation's success at organizing large-scale participation in the development of its software and considers whether Mozilla's approach can be transferred to government and civil society. Booth finds parallels between Mozilla's collaboration with Firefox users and the Obama administration's philosophy of participatory governance (which itself amplifies the much older Jeffersonian ideal of democratic participation). Mozilla's success at engendering part-time, volunteer participation that produces real marketplace innovation suggests strategies for organizing civic participation in communities and government. Mozilla's model could not only show us how to encourage the technical community to participate in civic life but also teach us something about how to create successful political democracy.
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g: 0 Posted By: eskimo5079
Views: 168 Replies: 3 I am currently facing a very serious issue as it relates to my student loans. More specifically, I have a private student loan consolidation with Sallie Mae. Due to the very high interest rates, I was currently on what Sallie Mae has termed a rate reduction program. This program was set to end this month and I was planning to try to renegotiate an extension to this rate reduction program due to the regular interest rate causing the payments to be so high that I cannot afford them. When I called in to renegotiate, I was informed that my cosigner had filed for Chapter 13 bankruptcy and that the loan was placed on a bankruptcy forbearance. I was also told that when in this status, Sallie Mae will not negotiate any offers.

Since, I have talked to my cosigner to try to determine exactly what was going on as they have never paid anything to the loan and I have been paying with it totally current. The cosigner has explained that the bankruptcy forbearance as a result of their filing will be in affect for 5 years and that they are unwilling to remove this account from their filling. I am very confused as to how my loan can be locked as I am the primary account holder. In summary, it seems that at the end of this month my interest rate will return to the original interest rate for the loan which is not something I can afford, which will therefore cause interest to accrue and at the end of the forbearance will obviously capitalize and thus end up costing me a significant sum of money.

Any help on getting this issue solved would be greatly appreciated. I am trying to better understand several things. First, can Sallie Mae legally change the status of my loan due to a cosigner and prevent me from continuing business as usually? Can I legally protect myself from the damages that will be incurred due to this? Also, any other help and advice on getting through this would be greatly appreciated. A preemptive thank you to anyone that can help.
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g: 0 Posted By: st4rdust
Views: 148 Replies: 0 The revised and expanded edition of Freakonomics (and Other Riddles of Modern Life),by Steven D. Levitt and Stephen J. Dubner, is available for $1.99.

Kindle Edition from Amazon
Android Edition from Google Play
Nook Edition from Barnes & Noble



For those of you who haven't read this book, I highly recommend it. I found it fascinating. 339,759 users at Goodreads gave it3.86/5 stars.

Here's Amazon's blurb:

"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? Why do drug dealers still live with their moms? How much do parents really matter? How did the legalization of abortion affect the rate of violent crime?These may not sound like typical questions for an econo-mist to ask. But Steven D. Levitt is not a typical economist. He is a much-heralded scholar who studies the riddles of everyday lifefrom cheating and crime to sports and child-rearingand whose conclusions turn conventional wisdom on its head.Freakonomicsis a groundbreaking collaboration between Levitt and Stephen J. Dubner, an award-winning author and journalist. They usually begin with a mountain of data and a simple question. Some of these questions concern life-and-death issues; others have an admittedly freakish quality. Thus the new field of study contained in this book: freakonomics.Through forceful storytelling and wry insight, Levitt and Dubner show that economics is, at root, the study of incentiveshow people get what they want, or need, especially when other people want or need the same thing. InFreakonomics, they explore the hidden side of . . . well, everything. The inner workings of a crack gang. The truth about real-estate agents. The myths of campaign finance. The telltale marks of a cheating schoolteacher. The secrets of the Klu Klux Klan.What unites all these stories is a belief that the modern world, despite a great deal of complexity and downright deceit, is not impenetrable, is not unknowable, andif the right questions are askedis even more intriguing than we think. All it takes is a new way of looking.Freakonomicsestablishes this unconventional premise: If morality represents how we would like the world to work, then economics represents how it actually does work. It is true that readers of this book will be armed with enough riddles and stories to last a thousand cocktail parties. ButFreakonomicscan provide more than that. It will literally redefine the way we view the modern world."
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Parents' large assets to Roth best transfer options?
Added on : Monday April 07th 2014 04:00:07 PM
g: 0 Posted By: derfderf1984
Views: 81 Replies: 0 Question: What should my parents do to reduce cost (Tax) and increase amount in Roth or fringe benefits?

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

My thoughts on options:
1) Just stick to the plan the tax hit is not justified until I loose one of my parents. (Pro: keep taxes low Con: may incur taxes later, might not accomplish their goal.)
2) Take more of a hit to get to the point of no reportable income. Then apply for aid programs that do not have means tests to determine eligibility. (Pro: goal complete,minor benefits poor people get Con: lost flexibility in accomplishing goal, feel like deadbeats)
3) Is there a way to take a loan fromyour traditionalIRA secured by some note that the traditional keeps while you fund the Roth with the loan money so it is not income just loan money? (Don't know if doable because it is loan money not earned money going into ROTH)
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$272 worth of CAKEWALK audio software free.
Added on : Saturday April 05th 2014 09:00:03 AM
g: 0 Posted By: disenchanted
Views: 96 Replies: 1 $272 worth of CAKEWALK audio software free.

Free! - Cakewalk Audio FX 1 Download

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link to other specials
Refurbished 128GB Microsoft Surface Pro - $449.00 @ Microsoft Store
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g: 0 Posted By: Xenocrates
Views: 190 Replies: 0 Microsoft Store has the Surface Pro 128GB (Refurbished) for $449.00

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g: 0 Posted By: ctgolfer
Views: 37 Replies: 0 use promo code: FATWALLET

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Views: 532 Replies: 0 Target has Sony Dualshock 3 Wireless Controller (Crimson Red)on sale for$29.99with $4.98 shipping or free shipping on orders over $50.

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Timing Student Loan and Credit Cards
Added on : Wednesday April 02nd 2014 06:00:07 PM
g: 0 Posted By: InANutshell
Views: 142 Replies: 0 Hello:

I've read through the FAQs, guidelines, and some other helpful posts as well as searching the forum, but I did not find something directly answering my question.

I am planning on opening two credit cards (by August, one hopefully in the next week or so but can wait on the other). I am in grad school and thus will also be applying for a student loan in the next few months.

I am curious as to the timing of these requests. It seems best to apply for the student loan (since the interest directly relates to my credit score), then the cards. I read on the FAQ (I believe it was there) that you recommend trying to obtain all new credit on the same day, but then in another part of the stickied posts, there is a recommendation to wait at least a few weeks or months between new credit cards.

Would it be more advisable for my to apply for a student loan and both cards in one day or to space it out in some other manner? I am also hesitant about applying for a private loan so early when the federal rates have not come out, but I usually have a high enough credit score that my private rate is lower (plus no origination fee and graduation forgiveness) - but that's another matter.

Thanks in advance!
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Best approach to evict roommates in a condo?
Added on : Wednesday April 02nd 2014 03:00:10 AM
g: 0 Posted By: evercl92
Views: 103 Replies: 3 I'll try to capture as much of the story here as I can. Though I'm sure I'll forget some details here and there.

Short Version:

Brother has two roommates in his condo, with a verbal lease that won't be recognized by the condo office. Need to evict them due to a bad situation. What's the best way to go about?

Long version:

My brother owns a 2 BR condo (paid off), lives by himself. June of 2013, roommate #1 moves in. The verbal rental agreement was $150 / month, includes utilities. Roommate has convinced my brother that my brother owes him money, through what I'll classify as blackmail, and for now, I don't see the point in fully disclosing. Anyway, that is why the rent is so low. Plus he sleeps on the couch (doesn't get the 2nd BR). October of 2013, mutual friend of their's moves into BR 2. The verbal agreement with him is $300 / month, includes utilities.

In December of 2013, my brother receives $1800 in cash from roommate #1 for "one year's worth of rent". This is the only money my brother has received the whole time. Roommate #2 pays roommate #1 the rent (my brother never sees it) as part of this "brother owes roommate #1 money" scheme. Brother also pays roommate #1 $400-500 / month. Also cash.

As you can imagine, to receipts for any of this.

Brother just recently (sorta) reached out to me for help, so this situation is still fairly new. Roommate #1 has some sort of complex and has essentially turned my brother into his servant and trapped him. Brother feels like there is no way out, scared to do anything about the situation (think abused housewife that just can't seem to leave the situation).

By the numbers:
Rent in: 1800
Rent owed:
Roommate #1 in case June wasn't a full month, I wont even count it. That leaves 9 months x $150/month = 1350
Roommate #2 in case October wasn't a full month, I won't even count it. That leaves 5 months x $300/month - 1500

We filed a 3 day notice to both roommates to leave the premises 3/25, gave them until 3/31 to leave. Of course, they did nothing. Filed for an eviction hearing on 4/1, court date 4/22.
We were looking through his condo-agreement paperwork and it states that the unit cannot be rented without a prior approval of the lease by the main office.

The main question here is:
Do we continue on with the court hearing as is, based on a 3-day non-payment of rent notice, knowing that the lease is (most likely) invalid?
or
Cancel all of the above, serve a 30-day notice to leave, then when they don't, re-obtain an eviction hearing? Thus not wasting the 3 weeks until the hearing on waiting, but instead serving out the 30-day notice period.

I'm sure the easy answer is lawyer-up. Of course, money is tight so trying to do what we can without adding that cost.

Any advice is much appreciated.
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g: 0 Posted By: remick
Views: 187 Replies: 0 Grenade launchers - The complete guide
http://www.amazon.com/Grenade-launchers-complete-Jonathan-Meyers...

In this book, weapons expert Jonathan Meyers present a study of the development of the grenade launchers, before undertaking a country-by-country survey of the weapons designed, built and used across the world. With data tables giving details of ammunition and hundreds of photographs, this is an authoritative account of an essential infantry weapon.


The History of Guns
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The History of Guns is a classic reference book that covers the history of small arms in the 20th century, with a focus on the two great world wars which shaped the world of firearms we know today. Learn about your favorite firearms, ranging from the early days of gunpowder to some of todays most incredible creations.

Including pistols, bolt action rifles, carbines, submachine guns, revolvers, and more, this book is packed full of information that any gun enthusiast will love. It also includes hundreds of high definition images, illustrations, and photographs of many of the weapons featured.


Must Have AR-15 Upgrades
http://www.amazon.com/Must-AR-15-Upgrades-Vitaly-Pedchenko-ebook...
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g: 9 Posted By: remick
Views: 691 Replies: 2 Guitar Adventures for Kids, Level 1: Fun, Step-By-Step, Beginner Lesson Guide to Get You Started
http://www.amazon.com/gp/product/B00H6UF5M0

4.8 out of 5 stars (47 customer reviews)

This book and video course, designed for children (ages 5-8), follows a fun, step-by-step lesson format for learning how to play the guitar. It is geared to beginners and no music reading or music experience is necessary. Each lesson builds on the previous one in a clear and easy-to-understand manner. You learn how to play the guitar through famous songs and pieces.

At the end of the book, you will be able to play the following songs and pieces in easy-guitar arrangements: Jingle Bells, Skip to My Lou, Ode to Joy, Amazing Grace, When the Saints Go Marching In, Yankee Doodle, Old MacDonald, Take Me Out to the Ballgame, Michael, Row the Boat Ashore, Peace Like a River, Twinkle, Twinkle Little Star, and many more songs.

There are 10 Free, Streaming Video Lessons that coincide with the material presented in "Guitar Adventures for Kids". The Lesson Videos cover playing songs and pieces, guitar technique, tuning, the parts of the guitar, basic music elements and fundamentals, and how to develop good practice habits.



25 Blues Scale Licks for Blues Guitar
http://www.amazon.com/dp/B009XTEJLU

This book contains 25 new and original minor blues guitar licks. There are 5 licks for each of the 5 blues scale shapes shown below.

Each lick has a corresponding audio example which is available for free download (no strings attached!) from http://www.fundamental-changes.comjust click on the downloads link. Also included are 3, high quality backing tracks at different speeds to get you playing as soon as possible.
Also in this book there is a great section on how to practice these lines so they naturally incorporate into your playing.
This book came out of a need to develop great blues playing in many of my 40+ weekly private guitar students. Every line in this book has been tried and tested on private students who pay many multiples of the cost of this book. Its all good stuff and every line contained in these pages will teach you something about a different area of the guitar neck whilst teaching you some great lines to play.
Whether you play rock, jazz, or metal, blues is the root of all modern music so a fundamental understanding of its vocabulary is essential.


77 Picking Exercises for Modern Guitar
http://www.amazon.com/dp/B00B8S0XS2

-77 quick-working exercises to develop speed and control in your picking hand-
-Every exercise is accompanied by an individual audio example available to download for free from http://www.fundamental-changes.com-
-This is the method taught by London's Guitar Institute-
There is a common idea amongst many guitarists that excellent instrumental technique is something that takes years to master. They believe that technique should be put before all else and that it should occupy the majority of your practice time.
In my experience this is not the case, and actually, an over-enthusiastic, single-minded pursuit of perfect technique can be counterproductive, unnecessary, and even damaging to your health.
This book is one quarter of the full work, Complete Technique for Modern Guitar. It focuses solely on picking and 'right hand' technique.


25 Aeolian Licks for Rock Guitar
http://www.amazon.com/25-Aeolian-Licks-Rock-Guitar-ebook/dp/B00E...

25 Major ii V I Licks for Jazz Guitar
http://www.amazon.com/Major-Licks-Jazz-Guitar-Guitar-ebook/dp/B0...
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Balancing 401k contributions and income taxes
Added on : Friday March 28th 2014 04:00:12 AM
g: 0 Posted By: unkinected
Views: 25 Replies: 0 Forgive (or flame) me for asking what isprobably a simple question, but I'm trying to evaluate the tax consequences of various 401k contribution rates.

Let's assume for round numbers my taxable income is $100k (agi - deductions - examptions). My effective tax rate is 23.6% (tax calculated in 1040 / taxable income).Last year I contributed $7k to my 401k (I know, it's very low, but please ignore that for the moment). Let's say I had maxed that out.. contributed a full 17k. My new taxable income would be at $140k, my new tax bill at 23.6% is obviously $2,360 less than it would have been at the lower contrib rate. So far so good.

Here's where I'm confused. Since my tax bill will be lower, and I want to avoid overpaying throughout the year, should I increase my exemptions to compensate? Or, because my taxable income will be less each paycheck, will the tax withheld automatically compensate for the reduced tax bill at the end?

I believe the answer is the latter, but I'm not totally sure on that. By increasing exemptions on W4, less taxes would come out of my paycheck each period (giving me more cash in hand)and thus my total tax payments throughout the year would be less.

TIA!
g: 0 Posted By: remick
Views: 83 Replies: 0 25 Blues Scale Licks for Blues Guitar
http://www.amazon.com/dp/B009XTEJLU

This book contains 25 new and original minor blues guitar licks. There are 5 licks for each of the 5 blues scale shapes shown below.

Each lick has a corresponding audio example which is available for free download (no strings attached!) from http://www.fundamental-changes.com just click on the downloads link. Also included are 3, high quality backing tracks at different speeds to get you playing as soon as possible.
Also in this book there is a great section on how to practice these lines so they naturally incorporate into your playing.
This book came out of a need to develop great blues playing in many of my 40+ weekly private guitar students. Every line in this book has been tried and tested on private students who pay many multiples of the cost of this book. Its all good stuff and every line contained in these pages will teach you something about a different area of the guitar neck whilst teaching you some great lines to play.
Whether you play rock, jazz, or metal, blues is the root of all modern music so a fundamental understanding of its vocabulary is essential.


77 Picking Exercises for Modern Guitar
http://www.amazon.com/dp/B00B8S0XS2

-77 quick-working exercises to develop speed and control in your picking hand-
-Every exercise is accompanied by an individual audio example available to download for free from http://www.fundamental-changes.com -
-This is the method taught by London's Guitar Institute-
There is a common idea amongst many guitarists that excellent instrumental technique is something that takes years to master. They believe that technique should be put before all else and that it should occupy the majority of your practice time.
In my experience this is not the case, and actually, an over-enthusiastic, single-minded pursuit of perfect technique can be counterproductive, unnecessary, and even damaging to your health.
This book is one quarter of the full work, Complete Technique for Modern Guitar. It focuses solely on picking and 'right hand' technique.


25 Aeolian Licks for Rock Guitar
http://www.amazon.com/25-Aeolian-Licks-Rock-Guitar-ebook/dp/B00E...

25 Major ii V I Licks for Jazz Guitar
http://www.amazon.com/Major-Licks-Jazz-Guitar-Guitar-ebook/dp/B0...
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Saga, Vol. 1 Paperback For $5.64 @ Amazon
Added on : Saturday March 22nd 2014 06:00:08 PM
g: 1 Posted By: Deals4mykids
Views: 182 Replies: 0 Amazon currently has the first volume of Saga for $5.64. This graphic novel is by the same writer who did Y: The last man.

I just finished reading it and thus far I must say I intend to purchase further volumes

http://www.amazon.com/Saga-Vol-Brian-K-Vaughan/dp/1607066017

=14pxWinner of the 2013 Hugo award for Best Graphic Story! When two soldiers from opposite sides of a never-ending galactic war fall in love, they risk everything to bring a fragile new life into a dangerous old universe. From New York Times bestselling writer Brian K. Vaughan (Y: The Last Man, Ex Machina) and critically acclaimed artist Fiona Staples (Mystery Society, North 40), Saga is the sweeping tale of one young family fighting to find their place in the worlds. Fantasy and science fiction are wed like never before in this sexy, subversive drama for adults. This specially priced volume collects the first six issues of the smash-hit series The Onion A.V. Club calls "the emotional epic Hollywood wishes it could make." Voted one of the top graphic novels of the year by the NYT, IGN, the Examiner, and SF Weekly. Voted Best Comic of the year by MTV Geek and Best New Series by Paradox Comics. Voted a finalist in the GoodReads Best GN of 2012 contest. Named one of Time Magazine's top 10 graphic novels for 2013
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Credit Cards - Balance Transfer Convenience Checks
Added on : Friday March 21st 2014 10:00:20 AM
g: 0 Posted By: btthus
Views: 54 Replies: 0 Looking to apply for a new credit card (0% APR for xx months). Could anyone tell me which cards/companies offer balance transferconvenience checks?
Credit Deals
Free Norton AntiVirus 2014 Download TODAY (six month license)
Added on : Thursday March 20th 2014 03:00:03 AM
g: 1 Posted By: MISTERCHEAP
Views: 278 Replies: 0 http://sharewareonsale.com/s/norton-antivirus-sale Terms and Conditions

This is a 1-user 6-month license, for home and business use

◦Take note this freebie is really an extended trial of Norton AntiVirus 2014 instead of an actual license.In terms of features and protections, there are no differences between a trial and a real license -- you get all the same features, updates, and protection. The difference arises in who can install it.

If youhaveused Norton AntiVirus 2014 in the past, then you might not be able to install an extended trial and thus won't be able to get this freebie.

If youhaven'tused Norton AntiVirus 2014 in the past, then you can get this freebie.

You get free updates for six months
No free tech support
Must be downloaded, installed, and registered before this offer is over
May not be resold
No refunds and exchanges; if you are having trouble activating or registering, please ask for help
Technical Details Developed by Norton
Version is 2014
Download size is 229 MB
Supports Windows XP, Vista, 7, and 8 (32-bit and 64-bit)
VirusTotal scan results:
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g: -1 Posted By: ottawa
Views: 186 Replies: 0 Requires a 16-digit $25/$75 (or buy a $30/$80 for $5) thus YMMV but I think SR Plus members get the 25/75 fairly regularly (I've had them 3 weeks out of 4 or something).

Seagate Expansion 2TB Desktop USB 3.0 External Hard Drive (Black) Item: 895703 is $80 (reg $90). Add a $25/75 to make it $55 and then $10/50 to make it $45. $22.50/TB.

I'm watching for a 4TB for $100 ($25/TB) and there's a 3TB for $111 ($76 or $25/TB after these coupons) but it's been OOS for a few days.

Some poor reviews of the Seagate Expansions on Staples site.

=aw

External Hard Drives Deals

Staples Coupons
I Am Gambit T-Shirt - $9.99 @ ThinkGeek
Added on : Monday March 17th 2014 04:00:03 PM
g: 0 Posted By: ksenn
Views: 146 Replies: 0 ThinkGeek has the I Am Gambit T-Shirtfor $9.99 with free shipping on orders over $75. Only available in sizes S and XL.

For X-Men enthused couples:
I Am Rogue Babydoll Tee- $10.99 (sizes S and M)
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g: 11 Posted By: remick
Views: 1752 Replies: 1 http://www.amazon.com/Sporting-Firearms-Handbook-Steve-Franklin-...

The Sporting Firearms Handbook is one of the most comprehensive reference materials in the world when it comes to sporting guns and weaponry. Accompanied by thousands of photos and illustrations, this book is sure to help you understand and classify any sporting gun in the world today.

To go along with these amazing illustrations, we've included a detailed analysis and in-depth description of these firearms, including identification methods and detailed facts. Whether you are a gun expert or just someone looking to learn more, this incredible book is sure to help!


Guide to Firearm Repair and Improvement
http://www.amazon.com/Guide-Firearm-Repair-Improvement-Franklin-...

The Guide to Firearm Repair and Improvement is the worlds #1 source for gun owners and enthusiasts. Whether you need to upgrade your existing firearm, or give it proper cleaning and maintenance, this book has something for everyone. Follow the easy step-by-step guides on cleaning or modifying bolt-action rifles, handguns, revolvers, shotguns, air and CO2 rifles, and more.

Accompanied by hundreds of hand drawn illustrations and images, this incredible eBook is a must have for firearm owners. Want to add a new sight to your pistol or rifle? Follow our easy to understand installation guide. We also cover metalworking and gunsmithing, including a detailed listing of tools and parts needed for any job.


also free:

British Firearms Handbook
http://www.amazon.com/British-Firearms-Handbook-Steve-Franklin-e...

The British Firearms Handbook is an all-in-one resource for gun lovers and historians. When it comes to British small arms, this book has you covered. Accompanied by hundreds of illustrations and drawings, youll learn a great deal about British weaponry, including rifles, light machine guns, pistols, and revolvers.

Go in-depth with some of the best British weapons known to man, including the Webley series of pistols and revolvers, as well as the infamous Sten submachine gun. Learn how to operate, maintain, and modify some of the greatest firearms on earth.


New on 3/14

Identifying Your Firearms: Complete Edition
http://www.amazon.com/Identifying-Your-Firearms-Neil-Wayne-ebook...

The Gunsmith Guide
http://www.amazon.com/Gunsmith-Guide-Neil-Wayne-ebook/dp/B00IZ4V...

The Pistol Directory
http://www.amazon.com/Pistol-Directory-Neil-Wayne-ebook/dp/B00IZ...


New on 3/15

The Handgun: A Complete History
http://www.amazon.com/Handgun-Complete-History-Neil-Wayne-ebook/...
SEP IRA or 401k for small business
Added on : Saturday March 15th 2014 07:00:11 AM
g: 0 Posted By: fleetwoodmac
Views: 83 Replies: 2 I have a small business on the side apartment from my 9-5 job

I already have a 401k thru work and IRA

I want to establish sep IRA or 401k thru the small business I have.

It is a DBA sole proprietary and I am the only one working. This the first year and gross income 13K. I did not file file taxes yet but it will be schedule c

1) can I have sep ira and 401k both thru from small business at the same time?

2) if I want to have 401k thru business, do I have to pay myself salary and thus pay FICA and medicare?

3) fidelity rep told me 401k is not a preferred method he said it is complicated to setup and etc. Can someone chime on this?
Investing Deals
g: 10 Posted By: remick
Views: 1377 Replies: 1 http://www.amazon.com/Sporting-Firearms-Handbook-Steve-Franklin-...

The Sporting Firearms Handbook is one of the most comprehensive reference materials in the world when it comes to sporting guns and weaponry. Accompanied by thousands of photos and illustrations, this book is sure to help you understand and classify any sporting gun in the world today.

To go along with these amazing illustrations, we've included a detailed analysis and in-depth description of these firearms, including identification methods and detailed facts. Whether you are a gun expert or just someone looking to learn more, this incredible book is sure to help!


Guide to Firearm Repair and Improvement
http://www.amazon.com/Guide-Firearm-Repair-Improvement-Franklin-...

The Guide to Firearm Repair and Improvement is the worlds #1 source for gun owners and enthusiasts. Whether you need to upgrade your existing firearm, or give it proper cleaning and maintenance, this book has something for everyone. Follow the easy step-by-step guides on cleaning or modifying bolt-action rifles, handguns, revolvers, shotguns, air and CO2 rifles, and more.

Accompanied by hundreds of hand drawn illustrations and images, this incredible eBook is a must have for firearm owners. Want to add a new sight to your pistol or rifle? Follow our easy to understand installation guide. We also cover metalworking and gunsmithing, including a detailed listing of tools and parts needed for any job.


also free:

British Firearms Handbook
http://www.amazon.com/British-Firearms-Handbook-Steve-Franklin-e...

The British Firearms Handbook is an all-in-one resource for gun lovers and historians. When it comes to British small arms, this book has you covered. Accompanied by hundreds of illustrations and drawings, youll learn a great deal about British weaponry, including rifles, light machine guns, pistols, and revolvers.

Go in-depth with some of the best British weapons known to man, including the Webley series of pistols and revolvers, as well as the infamous Sten submachine gun. Learn how to operate, maintain, and modify some of the greatest firearms on earth.


New on 3/14

Identifying Your Firearms: Complete Edition
http://www.amazon.com/Identifying-Your-Firearms-Neil-Wayne-ebook...

The Gunsmith Guide
http://www.amazon.com/Gunsmith-Guide-Neil-Wayne-ebook/dp/B00IZ4V...

The Pistol Directory
http://www.amazon.com/Pistol-Directory-Neil-Wayne-ebook/dp/B00IZ...


New on 3/15

The Handgun: A Complete History
http://www.amazon.com/Handgun-Complete-History-Neil-Wayne-ebook/...
g: 0 Posted By: Xenocrates
Views: 86 Replies: 0 1 year subscriptions starting at $4.50

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g: 10 Posted By: remick
Views: 1205 Replies: 1 http://www.amazon.com/Sporting-Firearms-Handbook-Steve-Franklin-...

The Sporting Firearms Handbook is one of the most comprehensive reference materials in the world when it comes to sporting guns and weaponry. Accompanied by thousands of photos and illustrations, this book is sure to help you understand and classify any sporting gun in the world today.

To go along with these amazing illustrations, we've included a detailed analysis and in-depth description of these firearms, including identification methods and detailed facts. Whether you are a gun expert or just someone looking to learn more, this incredible book is sure to help!


Guide to Firearm Repair and Improvement
http://www.amazon.com/Guide-Firearm-Repair-Improvement-Franklin-...

The Guide to Firearm Repair and Improvement is the worlds #1 source for gun owners and enthusiasts. Whether you need to upgrade your existing firearm, or give it proper cleaning and maintenance, this book has something for everyone. Follow the easy step-by-step guides on cleaning or modifying bolt-action rifles, handguns, revolvers, shotguns, air and CO2 rifles, and more.

Accompanied by hundreds of hand drawn illustrations and images, this incredible eBook is a must have for firearm owners. Want to add a new sight to your pistol or rifle? Follow our easy to understand installation guide. We also cover metalworking and gunsmithing, including a detailed listing of tools and parts needed for any job.


also free:

British Firearms Handbook
http://www.amazon.com/British-Firearms-Handbook-Steve-Franklin-e...

The British Firearms Handbook is an all-in-one resource for gun lovers and historians. When it comes to British small arms, this book has you covered. Accompanied by hundreds of illustrations and drawings, youll learn a great deal about British weaponry, including rifles, light machine guns, pistols, and revolvers.

Go in-depth with some of the best British weapons known to man, including the Webley series of pistols and revolvers, as well as the infamous Sten submachine gun. Learn how to operate, maintain, and modify some of the greatest firearms on earth.


New on 3/14

Identifying Your Firearms: Complete Edition
http://www.amazon.com/Identifying-Your-Firearms-Neil-Wayne-ebook...

The Gunsmith Guide
http://www.amazon.com/Gunsmith-Guide-Neil-Wayne-ebook/dp/B00IZ4V...

The Pistol Directory
http://www.amazon.com/Pistol-Directory-Neil-Wayne-ebook/dp/B00IZ...
g: 0 Posted By: st4rdust
Views: 175 Replies: 0 Amazon has Disney WOW: World of Wonder Home Theater Calibration(Blu-Ray) for $18.49. Prime eligible or Free Super Saver Shipping on orders of $35 or more.

This deal did well herein December for one cent more. 4.3/5 stars based on 429 customer reviews.

"The Disney WOW World of Wonder Disc is a definitive "how to" guide for in-home High Definition (HD) optimization of home entertainment systems featuring the help of classic Disney character GOOFY and including HD demonstration clips from popular Disney titles including Toy Story, Up, Bolt and Pirates of the Caribbean: At World's End. The easy to follow on-screen guide is designed to help consumers get the best quality experience from their home theater systems by providing everyone from beginners and enthusiasts to experts and custom installers alike with valuable high quality calibration tools."
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g: 1 Posted By: remick
Views: 265 Replies: 0 http://www.amazon.com/Sporting-Firearms-Handbook-Steve-Franklin-...

The Sporting Firearms Handbook is one of the most comprehensive reference materials in the world when it comes to sporting guns and weaponry. Accompanied by thousands of photos and illustrations, this book is sure to help you understand and classify any sporting gun in the world today.

To go along with these amazing illustrations, we've included a detailed analysis and in-depth description of these firearms, including identification methods and detailed facts. Whether you are a gun expert or just someone looking to learn more, this incredible book is sure to help!


Guide to Firearm Repair and Improvement
http://www.amazon.com/Guide-Firearm-Repair-Improvement-Franklin-...

The Guide to Firearm Repair and Improvement is the worlds #1 source for gun owners and enthusiasts. Whether you need to upgrade your existing firearm, or give it proper cleaning and maintenance, this book has something for everyone. Follow the easy step-by-step guides on cleaning or modifying bolt-action rifles, handguns, revolvers, shotguns, air and CO2 rifles, and more.

Accompanied by hundreds of hand drawn illustrations and images, this incredible eBook is a must have for firearm owners. Want to add a new sight to your pistol or rifle? Follow our easy to understand installation guide. We also cover metalworking and gunsmithing, including a detailed listing of tools and parts needed for any job.


also free:

British Firearms Handbook
http://www.amazon.com/British-Firearms-Handbook-Steve-Franklin-e...

The British Firearms Handbook is an all-in-one resource for gun lovers and historians. When it comes to British small arms, this book has you covered. Accompanied by hundreds of illustrations and drawings, youll learn a great deal about British weaponry, including rifles, light machine guns, pistols, and revolvers.

Go in-depth with some of the best British weapons known to man, including the Webley series of pistols and revolvers, as well as the infamous Sten submachine gun. Learn how to operate, maintain, and modify some of the greatest firearms on earth.
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Freedom from Luggage: Packing Light to Simplify Travel
Rating - 4.8 (5 Reviews)

Travel without luggage. Really. Without luggage!
We first enjoyed packless travel while celebrating our retirement with two months touring New Zealand. Having escaped the many burdens of luggage, we offer you the same opportunity.
Learn step-by-step how to develop an efficient collection of travel clothes. Discover new ways to carry the few accessories we really need. You can be ready for most occasions and weather with a minimum of clean, fresh, wrinkle-free extra clothes. The goal: avoiding the hassle of even a roll-around carry-on.
Recognizing that some situations like cruises require some luggage, we also offer strategies for determining when you really need luggage and when you dont. Then we describe how to minimize any luggage you take.
We invite you to experience the freedom of packless travel.

Travel Resolutions: 52 New Ways to Experience Planet Earth
Rating - 4.3 (3 Reviews)

Every day is a good day to make a resolution. Let Lonely Planet help you celebrate travel and create your ultimate travel wish list. Our FREE ebook Travel Resolutions: 52 New Ways to Experience Planet Earth features some of the most inspiring travel experiences from the travel experts at Lonely Planet. Paraglide in South Africa; rock climb in China; sleep in a tree-house on Canadas Vancouver Island; take a cooking course in Jordan or a flower-arranging course in Kyoto; go clubbing in Berlin; and much more. The 52 experiences introduced in this planning ebook will whet your travel appetite and help you to decide which promises to make and inspire you to keep them all. Begin your journey now!

Beginners Guide to Fly Fishing
Rating - 5 (1 Review)

In many cases an anglers life proceeds in a series of stages. To begin with he goes in for the simplest way of catching fish because at that stage his sole outlook is to deceive as many fish as possible at each outing, irrespective of the size or lack of cunning of such fish.
Later the angler may well find that he feels an urge to try something more difficult in the way of either fishing methods or fish.
Gradually he finds that there can be immense satisfaction in catching fewer fish, but of better size, possibly through mastering a more difficult method of fishing which, when he started fishing, seemed beyond his skill.
Eventually, having tried out various methods among various fish, most enthusiasts settle down to one, or perhaps two methods and apply them to the pursuit of one or two kinds of fish.
You have of course, exceptions. There are those who are dedicated to coarse fishing with bait and who would not waste time going after trout or salmon. You have the trout or salmon Fanatics who would not fish with bait for any fish and who have no interest in coarse fishing. Then there are the few who divide their time between coarse and game fishing.
For myself I am a trout and salmon addict and nowadays I fish only with the fly. That does not mean that I do not admire those who fish for other fish in other ways. Indeed I think that the coarse fisher of the English waters is worthy of the greatest admiration as a very sporting gentleman who goes to immense trouble and expends great skill to catch fish, all of which he returns to the water. What could be more sporting than that?
In my own case I caught my first trout on fly and it was at a later date that I enjoyed flood fishing with the worm.
So with salmon-my first fish was on a fly and it was in later years that I learned spinning with the difficult centre-pin reel and then went on through almost all the spinning reels that were manufactured. Eventually I turned to the fly completely for the simple reason that I love fly fishing better than any other method I have tried.
Today, as I see it, too many beginners buy a fixed-spool reel, find it simple to work and then, gaining an impression that fly casting is difficult, they go on bait fishing or spinning even though they feel they would like to try the fly.
I am not going to say that there is anything wrong in this but I do feel that many of our younger anglers today would like to try fly fishing if only they had someone to guide them at the start.
If in this way I can help even a few anglers to share the joy and the satisfaction that fly fishing has given to me over the years I will have been amply repaid.

Move the Ball: How the Game of American Football Can Help You Achieve Your Life Goals
Rating - 5 (2 Reviews)

Move the Ball draws parallels between football and life. The two are very similiar in that the principles needed to win the game of football are the same principles you need to win the game of life. Football teaches you how to use the strategies of the game to tackle any obstacle, beat any blitz, and overcome any blindside on lifes field. No matter what the situation, football provides you with the tools necessary to scramble through a field of defenders, move the ball forward, get into the end zone, and achieve lifes goals.
Achieving lifes goals comes down to this: hard work, teamwork, discipline, and dedication. In both situations, these principles build the conviction to drive that ball into your end zone and score. Defenders on your personal field intentionally want to stop the ball and limit your movement. You must recognize these defenders exist and have a plan to outmaneuver them. This book teaches you how to recognize the blitz, adjust to the blitz, and beat the blitz.
In football and in life, the players need to define the goals, invent the playbook, and execute the plays. Move the Ball draws upon the football playbook to show you how to do this and realize your dreams. Great players dont settle for being ordinary. They have a strong belief in themselves and strive to be extraordinary. They have M.A.D. P.R.I.D.E. This book shows you how you can use the elements of M.A.D. P.R.I.D.E. to overcome any obstacle and win.
As human beings, we need challenges to value our accomplishments; to experience the joy and elation of winning against obstacles. A great persons true character is displayed when he is able to face adversity, persevere, and accomplish his goals.
Life is about happiness. You only live once, so make every minute count. Life is about never giving up. Dont stop playing the game until its over. Life is about getting into the end zone and winning. You will achieve greatness.
The time is now for you to make the change. Are ready to move the ball?

Bow & Arrow, Archery Set for Scouts (Illustrated How to Build Guide #1)
Rating - 4.2 (23 Reviews)

This is a simple and illustrated, HOW-TO guide for an economical and environmentally friendly, Archery Set.
The materials used are bamboo, reed grass, and recycled man-made materials found easily around the world most prominently in third-world countries.
This guide will allow scouts in all economic situations to learn gadget building skills and archery, hence reinforcing the idea that Scouts Build a Better World.
Hopefully, experienced archers will find this guide entertaining and challenging, allowing them to expand their creativity and handicraft skills.
The author envisions a series of guides that serve to further enhance the development of scouts archery skills, while teaching them rudimentary survival tactics that they can both enjoy and benefit from.

HOW TO MAKE A WEBSITE OR BLOG: with WordPress, WITHOUT Coding, on your own domain, all in under 2 hours! (THE MAKE MONEY FROM HOME LIONS CLUB)
Rating - 4.4 (44 Reviews)

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
g: 0 Posted By: Xenocrates
Views: 57 Replies: 0 Glamour - $4.99 , Women's Health - $5.99 , Popular Photography - $4.99 , Macworld - $7.99, and many more!

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Tracking Cost Basis of IRAs After 401k Rollovers?
Added on : Friday March 07th 2014 09:00:17 AM
g: 0 Posted By: robronson
Views: 29 Replies: 0 Anyone know how IRA cost basis works when rolling them over into 401ks? This could be either Roth IRAs or Non-Deductible IRAs where tracking the cost basis can have meaning. I'm curious how they work generally and the question arose with the following scenario:

Suppose I have a $100k Roth IRA in current value that has a contribution cost basis of $80k. Thus, $20k in profits. I take the Roth IRA either in whole or partially and roll it into a Roth 401k. At a later date, I roll the money from the Roth 401k back into a regular Roth IRA.

Roth IRAs allow you to withdraw the principal at any time, tax-free, penalty-free. To do this, you need to prove/track your cost basis of the contributions. That gets muddy when you start moving that into a Roth 401k and later back into a regular Roth IRA. Anyone know where this might be listed under what regulation?
g: 46 Posted By: remick
Views: 2599 Replies: 10 http://www.amazon.com/Modern-Mixologist-Contemporary-Classic-Coc...

4.5 out of 5 stars (33 customer reviews)

Over the course of the past two decades, Tony Abou-Ganim has earned his reputation as one of the leaders in the craft cocktail movement. Through his work with food and hospitality legends like Mario Batali, Steve Wynn, and Harry Denton, Abou-Ganim has earned his reputation as "the Modern Mixologist," someone bringing the traditional art of mixology into the 21st century. Now, in The Modern Mixologist, Abou-Ganim has established the new standard in cocktail books a must-have guide to home mixology in a beautiful, coffee-tablesuitable format. Featuring gorgeous full-color photography throughout by the award-winning Tim Turner, this book instantly becomes the most beautiful guide to creating cocktails available anywhere. If you carry one high-end cocktail book, this is it sure to be a terrific gift item all year round.

Tony Abou-Ganim grew up in the bar business, learning the craft from his cousin Helen David at the Brass Rail Bar in Port Huron, Michigan, before going on to develop the cocktail programmes of numerous restaurants in San Francisco (working with Harry Denton) and New York (working with Mario Batali) and at the Bellagio Hotel in Las Vegas. He operates his own beverage consulting firm specialising in bar staff training, product education, and cocktail development, and also serves as the national ambassador of the US Bartenders Guild.



Vodka Distilled: The Modern Mixologist on Vodka and Vodka Cocktails
http://www.amazon.com/Vodka-Distilled-Modern-Mixologist-Cocktail...

4.8 out of 5 stars (4 customer reviews)

On the heels of the success of The Modern Mixologist: Contemporary Classic Cocktails, Tony Abou-Ganim has written Vodka Distilled as a companion piece focusing entirely on this clear spirit. It is a comprehensive look at the vodka marketplace, geared toward those working in the profession as well as the giant audience of vodka drinkers. This one-of-a-kind resource establishs a new standard in defining and understanding the world's most consumed spirit.

Vodka Distilled appeal to both enthusiasts and aficionados by explaining how traditional-style vodkasthose produced in Eastern Europediffer in character from those made in the West, and how different raw materials and distillation and filtration methods contribute to these variations in character. By breaking down the characteristics of each highlighted vodka, Abou-Ganim helps readers better understand, appreciate, and enjoy this noble spirit.



also free

Whiskey in a Jar: History and Cocktails For the Connoisseur
http://www.amazon.com/Whiskey-Jar-History-Cocktails-Connoisseur-...

In this book you will learn how whisky is made and the laws that govern it's creation. You will learn its history from the 12th Century to today. Most importantly though, you will have over 150 different recipes at your fingertips. I'm not talking about telling you how to make a Jack and Coke; These are some of the most interesting (and sometimes hilarious) recipes from bartenders around the world. By the time you've finished this book you will be an expert on the manliest of all the spirits.


The Ideal Bartender
http://www.amazon.com/Ideal-Bartender-Tom-Bullock-ebook/dp/B0084...


New on 3/4

Bartending Guide:How To Be a Professional Bartender and Comprehensive guide of hundreds of vintage and modern cocktails, shots, martinis and other ... Cocktails and Mixed Drinks, Bartending
http://www.amazon.com/Bartending-Guide-Professional-Bartender-Co...

This up-to-date, practical, and easy-to-use guide presents recipes for hundreds of cocktails and mixed drinks, plus step-by-step directions for making virtually every popular mixed drink, the book includes full coverage of all the basics of bartending, including equipment, ingredients, techniques, glassware, and garnishes.

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

Popular Cocktails
Great Tasting Martinis
Shots and Bombs
Frozen Cocktails and Hot Drinks
Punch Bowl and Party Drinks
Proper Glassware

...And much, much more!

Interesting bits about cocktails, and also interesting cocktail recipes. Even the ones that are classic cocktails you've heard of have a little bit of a tweak here and there, in ways that make me want to give them another try. Seems like if you make a batch or three of the cocktails recipes, you'd get a handle on it enough to concoct your own, which is also cool. Every bartender should have this book.


Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.amazon.com/Modern-Mixologist-Contemporary-Classic-Coc...

4.5 out of 5 stars (33 customer reviews)

Over the course of the past two decades, Tony Abou-Ganim has earned his reputation as one of the leaders in the craft cocktail movement. Through his work with food and hospitality legends like Mario Batali, Steve Wynn, and Harry Denton, Abou-Ganim has earned his reputation as "the Modern Mixologist," someone bringing the traditional art of mixology into the 21st century. Now, in The Modern Mixologist, Abou-Ganim has established the new standard in cocktail books a must-have guide to home mixology in a beautiful, coffee-tablesuitable format. Featuring gorgeous full-color photography throughout by the award-winning Tim Turner, this book instantly becomes the most beautiful guide to creating cocktails available anywhere. If you carry one high-end cocktail book, this is it sure to be a terrific gift item all year round.

Tony Abou-Ganim grew up in the bar business, learning the craft from his cousin Helen David at the Brass Rail Bar in Port Huron, Michigan, before going on to develop the cocktail programmes of numerous restaurants in San Francisco (working with Harry Denton) and New York (working with Mario Batali) and at the Bellagio Hotel in Las Vegas. He operates his own beverage consulting firm specialising in bar staff training, product education, and cocktail development, and also serves as the national ambassador of the US Bartenders Guild.



Vodka Distilled: The Modern Mixologist on Vodka and Vodka Cocktails
http://www.amazon.com/Vodka-Distilled-Modern-Mixologist-Cocktail...

4.8 out of 5 stars (4 customer reviews)

On the heels of the success of The Modern Mixologist: Contemporary Classic Cocktails, Tony Abou-Ganim has written Vodka Distilled as a companion piece focusing entirely on this clear spirit. It is a comprehensive look at the vodka marketplace, geared toward those working in the profession as well as the giant audience of vodka drinkers. This one-of-a-kind resource establishs a new standard in defining and understanding the world's most consumed spirit.

Vodka Distilled appeal to both enthusiasts and aficionados by explaining how traditional-style vodkasthose produced in Eastern Europediffer in character from those made in the West, and how different raw materials and distillation and filtration methods contribute to these variations in character. By breaking down the characteristics of each highlighted vodka, Abou-Ganim helps readers better understand, appreciate, and enjoy this noble spirit.



also free

Cocktails: A Beginners Guide to Making Classic and Contemporary Cocktails at Home
http://www.amazon.com/Cocktails-Beginners-Making-Classic-Contemp...

Learn how to make 100 classic and contemporary cocktails. All the recipes have been simplified by professional mixologists and bartenders so that anyone can make them with ease.

If youve ever wanted to learn how to make amazing cocktails but have been overwhelmed by the complexity involved then this book is perfect for you. If youve seen bartenders making cocktails and thought I could never do that then this book is for you. If youve ever wanted to impress a date but didnt know how to make a simple cocktail then this book is for you.

I interviewed over 20 professional mixologists and had them strip away the complexity of making cocktails and the skills it involves. This book is the result of these interviews and gives you everything you need to know about making cocktails.
2013 Giro Pneumo Road Helmet $69.99 Performance bike
Added on : Monday February 24th 2014 04:00:04 AM
g: 0 Posted By: tedhawkins
Views: 129 Replies: 0 2013 Giro Pneumo Road Helmet $69.99 performance bike

http://www.performancebike.com/webapp/wcs/stores/servlet/Product...

2013 Giro Pneumo Road Helmet - Closeout!

Upgraded with the Roc Loc 5 fit system, featherweight webbing retainer, and a new ultra-light buckle, the legendary Giro Pneumo Road Helmet is back and better than ever! In-Mold construction with Roll Cage is shaved, sculpted and tuned to give you the perfect balance of lightweight strength. 19 huge Wind Tunnel vents are carved into the shell for exceptional cooling without compromising integrity or impact protection. 15 adjustable visor guards your vision and Roc Loc 5 delivers the ultimate in customized, skull-hugging luxury.
In-Mold construction reinforces the area around the vents and ribs, creating a one-piece exoskeleton, which allows the helmet to be lighter, more durable and better ventilated than traditional designs
Roll Cage is a light-yet-tough web of reinforcement, invisibility molded inside the helmet's EPS foam liner for maximum impact protection, strength and integrity
19 Wind Tunnel vents with internal channels thrust cool, fresh air over and around your head while forcing heat and stale air out
P.O.V. low-profile, painted visor is adjustable, removable and protects your eyes from the sun, rain and other debris
Quite possibly the best-fitting retention system you've ever experienced, the Roc Loc 5 easily adjusts both fit tension and vertical position with a single hand, plus it's 40% lighter than its popular predecessor, Roc Loc 4
Custom ultra-light buckle for weight savings
Slimline webbing with retainer is ultra-light, won't twist and requires no adjustment
Certified CPSC
Suggested Use: Road Race, Triathlon, MTB XC Race, Cyclocross, Enthusiast Road, Urban/Commute, Touring
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NZXT Phantom Enthusiast Full Tower - $79.99*
Added on : Friday February 21st 2014 09:00:13 AM
Save 15.00 with coupon code IKQ116770 at checkout. Normally 94.99 before coupon.Now 79.99 after coupon.Offer ends Feb 27 2014 12:00AM
Hanes 4-pk Tagless Boxers for Men - Walgreens B&M - $5 - YMMV
Added on : Friday February 21st 2014 05:00:06 AM
g: 0 Posted By: yoregano
Views: 231 Replies: 0 I found these marked $9.99 at my local store, and was surprised when they scanned at $4.99! The deal does not seem to be advertised, and there were no signs calling attention to them. In my case, they were in a bin in one of the center aisles. Sizes from SXL. Various prints/colors. No idea how long this price lasts or if all stores have them, thus YMMV. This is the lowest price I've seen for these.

Links below for reference only to show the product.
Reference 1
Reference 2
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Amazon Coupons
GTX 770 2gb for $310
Added on : Tuesday February 18th 2014 04:00:02 PM
g: 0 Posted By: robstahl21
Views: 0 Replies: 0 PNY - Enthusiast Edition NVIDIA GeForce GTX 770 2GB GDDR5 PCI Express 3.0 Graphics CardIt's through best buy... so yes there's tax. But it's $40 cheaper than Newegg, no rebates to deal with. I've not seen a 770 less than this anytime recently (since the AMD cards skyrocketed, the NVIDIA stuff has crept up in price) - Honestly I think it's a price mistake, b/c the MSRP on that cardi s way more than $330 to begin with... and all their other 770's are $350 to $400.

PNY does have a bit of a bad wrap, but every review I found on this card said the triple fan cooling worked well and it was easily overclockable up to the SC cards.

Just doing my part... don't flame me! I ordered 2. If they suck, BB has 15day easy return policy (versus Newegg 15% restocking fee)

g: 0 Posted By: ArtieLange
Views: 231 Replies: 1 Cooler Master HAF 912 - High Air Flow Mid Tower Computer Case $49.99 shipped after $10.00 rebate card Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16811119233&...




Cooler Master HAF 912 Mid Tower ChassisCooler Masters HAF 912 further enriches the HAF series by adding a compact, yet fully featured mid-tower solution for enthusiasts and budget conscious gamers alike. Its seemingly small exterior supports a plethora of interior features such as twelve devices and high end GPU cards.

The HAF 912 embodies the rugged aesthetic and qualities of its brethren while remaining attractively priced. Its traits more closely resemble that of a mid to high-end case than that of other cases in its price range. The HAF 912 pays tribute to the legacy of HAF 932 & HAF 922 in ease of installation, high airflow, and compatibility with water cooling hardware.
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3 ton Heavy Duty Floor Jack with Rapid Pump - $89.99 at Harbor Freight
Added on : Friday February 14th 2014 11:00:03 PM
g: 1 Posted By: Ayla
Views: 175 Replies: 0 .


3 ton Heavy Duty Floor Jack with Rapid Pump - $89.99 at Harbor Freight



http://www.harborfreight.com/3-ton-heavy-duty-floor-jack-with-ra...




Only: $159.99

Sale: $89.99



This 3 ton steel auto jack features a 5 in. to 18-1/4 in. variable lifting range to elevate your car, motorcycle or supply load in only 3-1/2 pumps! A protective foam bumper on the floor jack keeps your vehicle or materials from being damaged while lifting or lowering. With a knurled aluminum handle for a steady grip and a solid, welded steel construction, this rapid pump floor jack is built for comfort and heavy use.

Super-tough precision welded construction with an industrial grade finish
Industrial quality for professional mechanics and hardcore automotive enthusiasts
Rapid Pump exclusive dual parallel pump system lifts with far fewer pumps
Universal joint release provides precise load control in any handle position
Meets international quality standards
Two piece knurled aluminum handle for a sure grip, equipped with foam bumper to prevent damage to vehicle finish
Extra-wide steel casters for stability

Overweight Item subject to $24.95 additional Freight Charge.


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g: 1 Posted By: Xenocrates
Views: 271 Replies: 0 President's Day Magazine Sale: Wired $5, Glamour $5, Car & Driver $4.50, Elle $4.50 and More - 4.50+ @ DiscountMags.com 
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Putting It In The Backdoor (Roth) For Fun And Profit
Added on : Thursday February 13th 2014 02:00:10 PM
g: 21 Posted By: robronson
Views: 3596 Replies: 21 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
Risk vs. Return
Added on : Thursday February 13th 2014 05:00:17 AM
g: 0 Posted By: DiegoB
Views: 188 Replies: 1 So as you know guys in valuing the intrinsic value of an asset to a diversified individual investor, one element used in the CAPM model, is the stock's beta and the market's risk premium, which together capture the risk of a certain asset. And risk in finance is described as the standard deviation between actual vs. expected return, or in other words, how much a certain stock's return deviates from its expected return (the more it deviates the more risky an asset is perceived to be).

But isn't this illogical? why would stock A, which deviates more than stock B (both having the same expected return) be priced in such a way as to generate higher returns?

To put you in the same state of mind as me, think of the following:

Suppose that I am about to sell two different tickets, one that entitles its bearer to earn 1$ every time I toss a coin for 10 consecutive tosses no matter the outcome (whether heads or tails), and the other 2$ every time the outcome is heads but nothing for tails. And so I put these two tickets in the open market so that investors can bid on them.

In finance, the latter is a more risky investment and thus current finance theory suggests that the market would price it at a lower price point than the former, being Risk free. But if this was the case, then everyone would rush to buy the latter ticket, after all, why would the ticket with a certain payoff be priced more expensively than that of an uncertain one if they both have the same expected return? (especially to a diversified investor)

Notice that both have an expected return of 10$, and so my theory says that eventually, they will be both priced in the market at the same price point (a little less than 10$ per ticket).

This is all to suggest that risk in finance should be measured in a different way, what do you guys think?
Investing Deals
Corsair Enthusiast Series TX650 V2 650W 80+ Bronze - $64.99*
Added on : Tuesday February 11th 2014 09:00:23 AM
Save 15.00 with coupon code RQN116848 at checkout. Normally 79.99 before coupon.Now 64.99 after coupon.Offer ends Feb 17 2014 12:00AM
The Correct Way To Do A Backdoor Roth Contribution
Added on : Tuesday February 11th 2014 05:00:21 AM
g: 0 Posted By: robronson
Views: 151 Replies: 2 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
CORSAIR Enthusiast Series TX650 650W Power Supply - $19.99*
Added on : Friday February 07th 2014 09:00:45 AM
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Repair or Total Car
Added on : Thursday February 06th 2014 03:00:09 PM
g: 1 Posted By: catbrf
Views: 87 Replies: 2 I am trying to figure out the best case scenario for a car insurance claim I filed today.

I live in SoCal and was driving down the 5 fwy when my 2012 Toyota Prius struck a piece of metal that looked like a trailer hitch in the middle of the lane. I was driving about 65 mph and was not able to avoid the object due to being boxed in by 2 cars next to me. It got dragged a few hundred feet before I was able to safely pull over on the shoulder to maneuver the object from underneath my car. I noticed sparks when it hit and oil dripping afterwards. I exited the freeway and drove to the nearest Toyota dealership repair shop. I figured with my Toyota maintenance package that if it was just an oil pan that was damaged it would be covered, but found out if you hit something it is not. They lifted the car and my engine/cross member sub-frame, side rail reinforcements, engine under cover, oil pan, front exhaust pipe and heatshield were all bent or damaged. The total estimate including parts/labor/tax is $7,000. I have insurance through Geico with a $500 collision deductible. I have been in contact with the adjuster who already saw my vehicle this afternoon and was offering that I pay only $250 to repair all the damage mentioned above, however he noticed a gash on my engine block that may or may not mean anything and I would forgo repairing that, which could run in the thousands thus 'totaling' the car. Or I can pay $500 deductible to have the repairs done and wait and see what the dealership says about the engine block, maybe its totaled, maybe not. I am not in the best financial shape right now and think having my car totaled is a better deal, here's why.
Car including maintenance package($1,295)/tax/license/fees costs me $30,000, I still owe $19,000, the adjuster did a rough calculation and said I would be paid out $23,500. So $30,000 - $23,5000 = $6,500 for 2 years of driving Prius. Since I still owe $19,000 and the payout is $23,500, that's a $4,500 gain. Then $6,500 - $4,500 = $2000 for 2 years of driving Prius (even better!).

A few questions:
1. How much will my policy premium go up after I file the $250 claim? $500 claim (engine block replacement/car total)?
2. What risk is 'gash in the engine block' from becoming a problem in the future if I just accept the $250 deductible?
3. Can I negotiate the maintenance package that's worth $1,295 in the total payout? I was told when I purchased it that it gets transferred with the vehicle? How about window tinting?

Also, there are paint scratches and a loose cap on the right side of the front bumper, the adjuster said if they repair it they would charge a 'betterment fee' because they feel it was already there and not part of the accident. Is there a way to get all of it paid for, it may or may not have been damaged during the accident.

Any experiences with these issues or advice is appreciated.
Personal Finance Deals
aquaponics enthusiasts - all natural water conditioner $3.98 petco b&m only
Added on : Thursday February 06th 2014 09:00:18 AM
g: 0 Posted By: lesliejs
Views: 254 Replies: 0 ATM Paradigm all natural vitamin C water conditioner 4oz

Petco's website lists it as available
online only for $15.99, but it is on clearance in store for $3.98
Item number 001537865

Website link
http://m.petco.com/product/118770/ATM-Paradigm-All-Natural-Vitam...
Pets Deals

PETCO Coupons
g: 0 Posted By: ArtieLange
Views: 118 Replies: 0 CORSAIR CX series CX500 500W Power Supply $29.99 shipped after $20.00 rebate card Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16817139027&...



Features

Corsair Engineering and Quality ControlEvery Corsair power supply is designed by our California engineering team and built to our exact specifications. The same care that goes into the design and testing of our renowned high-power enthusiast power supplies also goes into the CX Series, because you need confidence and reliability regardless of your build budget. Ample Connectors and Long CablesLong cables make CX Series suitable for installation even in full-height tower cases, and the generous cable count allows you to power multiple components and storage devices. Large-Diameter, Thermally Controlled FanOnce youve installed a PSU, you shouldnt have to think about it. Employing a thermally controlled fan makes the CX Series virtually silent at idle, and the large diameter reduces noise even when youre pushing your system hard. Black Goes with EverythingYoure building a PC, not a battleship, and appearance counts. The matte black finish and all-black sleeved cables and connectors help give your system a high-tech, restrained look.



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Newegg Coupons
Help on tax return with messed up HSA
Added on : Tuesday February 04th 2014 03:00:19 PM
g: 0 Posted By: nysb2014
Views: 33 Replies: 0 Hi,

I need your help on filing tax return for a messed up HSA situation. Despite my best effort to get it resolved between my employer and the account custodian, I am still facing this tough issue.

Some background, I switched job last July, and then signed up HDHP with my new employer and also created a HSA account. Then in November, while reviewing stuff for 2014 benefits, I realized that I was not eligible for 2013 HSA account due to the fact that my wife had a full FSA with her company, and I was covered under that FSA as well. So, I started the process of talking to HR, benefits and the custodian. Eventually, the custodian told me to close the account as never eligible and they would refund me the contributions. That turned out to be the wrong move, as when I tried to ask the employer to reclassify the contribution as regular income, they insisted they couldn't do that. They said the correct move was for them to get the money back from the custodian, and they would pay me via regular pay check. But that was too late, even though I tried calling them no less than three times prior and always got transferred somewhere else. Anyway, I now have the W-2, and it indeed showed the amount as HSA contribution, and am now facing the issue of how to pay tax on this amount.

I also tried asking the custodian to send me a form indicating the amount they refunded, and hoping the matching amount on W-2 would prove I didn't claim any expenses from the ineligible account, but even that they denied.

Sorry for such a long story, but wanted to be clear about the situation. Do you know where on the tax form I can put in this as regular income, and thus avoid potential issue in the event of being audited?

Thanks a lot for the help.
Tax Deals
K-SWISS BIG SHOT 2 tennis shoe --- $68 - sports basement
Added on : Monday February 03rd 2014 05:00:10 AM
g: 0 Posted By: orangedr
Views: 116 Replies: 0 If you have a SPORTS BASEMENT near you, get the KSWISS BIG SHOT 2 tennis shoe for < $68 + tx.
It rings up at $84 and then they have a 20% off storewide sale going onnow.
This is the same shoe worn by the BRYAN brothers and other tennis pros.

Most onlinestores have this for $104+ ... thus I thinkthis is a hot deal if you are a tennis player.

Shoes Deals
g: 1 Posted By: remick
Views: 233 Replies: 0 http://www.amazon.com/dp/B00AFWM4PW

4.5 out of 5 stars (16 customer reviews)

Jesus had little patience with institutional religion that cared for its own needs while neglecting the plight of ordinary people. In one of his most famous parables, he sets up as a model of Christian behavior a man who, unlike some religious folks, actually gets down off his donkey and helps a person in dire need.

With energy and enthusiasm, Reggie McNeal calls believers to dismount, get down and dirty, and live a life that makes a difference. He shows readers how to recalibrate their spiritual efforts to move from church-centric service to greater community engagement in order to do their essential part in creating a world worth living in. McNeal also shows readers that helping others actually helps the one doing the service just as much as the one being served. In fact, serving is the very best way to learn about yourself and grow spiritually.

Anyone who longs to have the impact on the world that Jesus did will love this provocative and inspirational message.
Books Deals

Amazon Coupons
Edible Bugs Gift Pack for $19.99 @ thinkgeek.com
Added on : Friday January 31st 2014 03:00:05 AM
g: 0 Posted By: Deals4mykids
Views: 64 Replies: 0 Edible Bugs Gift Pack for $19.99 @ ThinkGeek.com

Regular Price: $29.99

Shipping to my location: $6.24

http://www.thinkgeek.com/product/1716/

Bugs are all around us. They scare many people, but when you get down on their level they're quite beautiful. And tasty. Around the world, many people eat insects. Seven different bugs await your teeth, tongue, dares, and palate in this Edible Bugs Gift Pack. Each tin contains one type of insect in the most appropriate flavor we could think of. All insects are regularly lab tested and undergo professional food processing and packing to ensure food safety and quality.


A bunch of different buggy snacks, each in its own tin.

A great gift for people you like (if they like bugs) or people you hate (if they hate bugs) or people you like (if they hate bugs) or people you hate (if they like bugs).
For oral use only.
All insects are regularly lab tested and undergo professional food processing and packing to ensure food safety and quality.
Manufacturing facility is registered with Thai FDA (Food & Drug Administration) and the US FDA and has passed GMP (Good Food manufacturing). All individual food products are tested and registered with FDA.
No artificial colors, flavors, or preservatives.


Each gift pack includes 1 tin of:

Bacon & Cheese Grasshoppers (Acrididae)
BBQ Bamboo Worms (Omphisa fuscidentalis)
Nori Seaweed Armor Tail Scorpions (Mesobuthus martensii)
Salted Queen Weaver Ants (Oecophylla)
Wasabi House Crickets (Gryllidae)
Giant Waterbug Chili Paste (Nepidae)
Tin Dimensions: 2.5" diameter x 1.5" tall.


Grocery Deals

ThinkGeek Coupons
Fiskars 7850 X7 14-Inch Hatchet
Added on : Wednesday January 29th 2014 12:00:03 AM
g: 0 Posted By: TomPtz
Views: 25 Replies: 0 Fiskars 7850 X7 14-Inch Hatchet
by Fiskars
List Price: $29.99 Price: $25.97 & FREE Shipping on orders over $35. Details You Save: $4.02 (13%)
In Stock. Ships from and sold by Amazon.com. Gift-wrap available.

Easy-to-carry hatchet is perfect for hikers and outdoor enthusiasts who chop kindling and small- to medium-sized logs
Chops up to three times deeper than a traditional axe to chop more efficiently
Perfected balance and power-to-weight ratio increases swing speed to multiply power, much like an aluminum baseball bat
Ultra-sharp blade with a low-friction coating powers through wood
Stronger-than-steel FiberComp handle won;t break through overstrike, and the PermaHead insert-molded axe head will not loosen or fly off

Tools Deals

Amazon Coupons
Corsair Enthusiast Series TX850 V2 850W 80+ Bronze - $99.99*
Added on : Tuesday January 28th 2014 09:00:41 AM
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Tax question: income repayment
Added on : Tuesday January 28th 2014 09:00:12 AM
g: 0 Posted By: Xnarg1
Views: 172 Replies: 2 In 2013 I left my old job for a new one. As a condition for leaving my old job, I had to pay some money back to them (which was received as income), which I did and was repaid in 2013:
My old employer said: This letter confirms that your debt obligation to XXX Inc.for the amount of $XX,XXX.00 hasbeen paid in full. As originally reported, this overpayment occurred in 2013. You will not file an amended tax return for the year of overpayment and thus a W2C forthe year of overpayment will not be needed or processed. According to IRS Publication 525, you may be able to deduct the amount repaid from your income for the year in which you repaid it. Please refer to IRS Publication 525 and if necessary, consult your tax advisor.

The W2 I got from them includes my original pay only (does not include me paying them back) - so how do I subtract out what I paid them back? As far as I can tell, Pub 525 lists two ways to do this:

Form 843 - this does not seem like what I need.
Schedule A - deduct it as a miscellaneous deduction.

I am uncertain whether I am interpreting these correctly or if there is yet another place to put it. I don't think I can just adjust the W2 myself since it will then not match with what my employer sends the IRS.

I generally use TaxAct, but I also want to know where to put it instead of just entering a number somewhere (perhaps erroneously) and having the software magically just take it off.
Tax Deals
Do FAR items sell or not worth it?
Added on : Tuesday January 28th 2014 12:00:04 AM
g: 0 Posted By: lorymills1
Views: 3 Replies: 0 Searched and was surprised that I couldn't find anything on this topic in FW. If there is a thread, could someone provide the link?

Thinking of buying and selling FAR items. No large scale eBay stuff, just maybe Craigslist, coworkers, and garage sale market. Question is, will these FAR items sell or is it just stuff that no ones wants anymore and thus why they are FAR. I recently purchased the Staples copy paper and the Tiger Direct USB keyboards but some friends that are ebayers say this stuff won't sell.
Any any threads out there to refer me to or any FW input? As always, thanks for sharing your expertise.

Question Deals
g: 2 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/Metal-Detecting-Beginners-Mastering-Greate...

5.0 out of 5 stars (5 customer reviews)

There is an entire world of buried treasure right under our feet. This book shows you how to claim your share. Over 150 pages of valuable metal detecting information designed to get you out there finding treasure on your very first outing.

Finding treasure with a metal detector is real and doing it is simple and easy once you read this book. There are people finding incredible old coins made from gold and silver, valuable historical relics and old jewelry made from gold, silver and platinum. But you won't find these great treasures unless you know where and how to look. Metal Detecting: A Beginner's Guide shows you this and much more.

Veteran detectorist and treasure enthusiast Mark Smith continues to provide great information to anyone interested in the great hobby of metal detecting. In his second book on the subject, he manages to answer the common questions that every novice has when they are thinking about getting started. From choosing the right machine to identifying your valuable treasure, Mark Smith covers these subjects and everything in between in an easy to understand way.

While this metal detecting book may be geared towards the novice treasure hunter, there are plenty of choice tips that even experienced treasure hunters can pick up. Mark Smith reveals some of his best guarded metal detecting secrets in this metal detecting guide that puts more treasure in your find's pouch.

Fully illustrated diagrams and real life pictures describe in detail the easiest ways to not only locate treasure, but safely recover it as well.

Learn how to find more treasure by: understanding common metal detecting terminology, understanding which metal detectors work the best and where, understanding how and why a metal detector works, other equipment you will need, proper etiquette, what you can expect to find, why you should never throw anything away, how to identify your finds, how to identify jewelry, how to tell if it is real gold, how to metal detect with children, which recovery tools work the best, how to recover treasure, how to metal detect private property, how to identify unknown metal detecting finds, metal detecting creeks, rivers and lakes, pinpointing, making weak targets stronger, cleaning your finds, the best places to use your metal detector, selling your finds and more!
Totally Free Deals
How to hide Manufactured Spending from a Mortgage Application?
Added on : Thursday January 23rd 2014 04:00:11 PM
g: 0 Posted By: vnuts21
Views: 87 Replies: 3 I do a fair amount of MS - on the order of 15-20k/month across 3-4 credit cards,not to mention chasing sign up bonuses (6 or so per year). The MS entails BB, MOs, and Amazon Payments. MOs are sread out across 3-4 different checking accounts.

I have a house, and thus a mortgage application, on my 2-3 year horizon. I will also be getting married in September.

How do I go about continuing the MS tactics, while also hiding the MS from a mortgage application? I will be getting a joint bank account with my wife - should I keep the other bank accounts, and use the primary joint checking account as our main account to disclose to a potential lender? The main account would have direct deposits coming in from both our incomes, and about 2-3k/mo in credit card payments going out (will try to keep paying general use credit cards only, rather than the MS cards).
Real Estate Deals
Questions about IRA rollover rules
Added on : Thursday January 23rd 2014 12:00:08 PM
g: 0 Posted By: swampwiz
Views: 57 Replies: 1 I have reading up on how the 60 & 365 day rules work for IRA rollovers, but have found some information that does not seem correct.

According to one "expert", the way it works is that a distribution from OR rollover into an IRA account cannot take place within 365 days of the last rollover from or into that account. While I can understand the restriction triggered by a rollover into an account, I don't see how it would work for having this restriction triggered be a distribution, as any cash distributed would go into a non-IRA account (which could then be withdrawn as for any such account), and hence there would be no "IRA ownership" of any distributed funds there. With that said, I suppose that there could be a rule in which the individual would need to assign a corresponding distributing IRA source for any cash that would be rolled over, such that however he chooses to assign this, he would be subject to this rule.

To give an example, let's say there are 3 IRA accounts: A, B & C. A $10K & $5K distribution is made from A & B, respectively. Then $10K is rolled into C. It seems to me that once the distribution is made, it's just cash, without any "memory"; thus, the only restriction is that there cannot be either a distribution from or rollover to C for the next 365 days. However, perhaps the IRS would demand that the individual claim the source (which for here would be b/w $5K & $10K from A and $0 & $5K from B, such that A + B = $10K.) I am wondering if the custodian must list from which IRA account the rollover corresponds to - and if there isn't, then there could not possibly be the more restrictive rule that I had speculated.

Investing Deals
Teva Nilch men's "water shoes", black, sizes 9/10/12, $19.25 FS @ 6pm.com
Added on : Wednesday January 22nd 2014 06:00:05 PM
g: 0 Posted By: bingofuel
Views: 205 Replies: 0 6pm has the Teva men's Nilch "water shoes" for $19.25 with free shipping. These were previously $32 for the longest time so the additional savings is substantial. The only color available is black in men's sizes 9/10/12. No additional FW CashBack unfortunately, but the price is still excellent IMO.

http://www.6pm.com/teva-nilch-black

FYI, I say "water shoes" perjoratively because it's well documented by users that they do NOT drain water at all and are thus rather useless for their intended task. However, they are reputed to be excellent barefoot-like shoes for walking on trails or use around base-camp. For a thorough review, check:

http://toesalad.com/reviews/a-review-of-the-teva-nilch/
Shoes Deals

6PM Coupons
Question on Contract for Deed
Added on : Wednesday January 22nd 2014 08:00:11 AM
g: 0 Posted By: snnistle
Views: 117 Replies: 0 Trying to help my grandfather and hope I can get some good advice from you guys...

SITUATION: He sold a small house to a friend a few years ago (contract for deed) and verbally agreed that he would not initiate any legal action if the purchaser defaulted on payments or if there were any other actions that constituted a breach of the contract. (Understand that his word is as good as a signed contract.) Now, the original purchaser purchased another home, moved out of the house she is purchasing from my grandfather, and she hasn't made payments to my grandfather, hasn't paid water/sewer, has no insurance on the house, and has let it fall into disrepair (including frozen/busted water pipes). The original purchaser recently told my grandfather that as part of the purchase of her new home the person who she bought the new home from has agreed to make payments to my grandfather (I'll refer to him as the new purchaser). The original purchaser says she had a lawyer help her and papers have been filed. First, is what the original purchaser did legal? Second, my grandfather has accepted payments from the new purchaser, but he also does not have insurance on the house. Since he has accepted payments from the new purchaser, does that constitute tacit approval of what the original and new purchaser have done? If what the original and new purchaser have done is legal, I think my grandfather would have no problem taking legal action against the new purchaser, so I kind of hope what they did is legal. Second, is there anything that my grandfather can do to be compensated for the damage to the house without taking legal action against the original purchaser?

ADDITIONAL DETAILS: This is in the state of Minnesota. The balance due to my grandfather is around $17,000. The original purchase price was around $28,000. (The house is small and in an economically depressed area, thus the low costs.)

I hope this explanation is somewhat understandable. I would appreciate any advice and input I can get, because my grandparents are in their 80's and I'd like to help them resolve this situation ASAP. Thanks.
Personal Finance Deals
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 Cast Iron Cleaning - The Ringer for $14.99 Free Shipping on orders of $35 or more!

Coupon Code: QHICS5AH for $5 off

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g: 0 Posted By: seodude
Views: 229 Replies: 0 LINK:Edible Bugs Gift Pack

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What has happened to FWF?
Added on : Thursday January 16th 2014 06:00:13 PM
g: 1 Posted By: dmlavigne1
Views: 82 Replies: 0 I have to say that the overall quality of posts has fallen in recent years. I used to think FWF was a great place to get churn/interest/arbitrage/investment advice, but lately it seems to be just a place to repost from other forums and to ask for basic finance/car accident advice. As an avid FWF poster, and thread starter (when I think it can fatten the wallets of others) I am disappointed in the overall threads. About 1 out of 100 is useful and 1 out of 10 is entertaining and gets green, the majority of the posts do not pass any sort of "does this fatten the wallets of anyone more than me?" My finger hurts from the "ignore" just based on the title. The mods do not put a stop to this non-sense and thus produces pages and pages of crap.

For the old timers (you know who you are), where do you go to get your advice? Is this it? Have you given up? Please PM me.

I am looking for thoughts/whatever on finance. My last 10 topics (which I hope inspire a bit more than the percentages above) are listed here:
http://www.fullofdeals.com/forums/finance/1303851/
http://www.fullofdeals.com/forums/finance/1324318/
http://www.fullofdeals.com/forums/finance/1332764/
http://www.fullofdeals.com/forums/finance/1295173/
http://www.fullofdeals.com/forums/finance/1286965/
http://www.fullofdeals.com/forums/finance/1258284/
http://www.fullofdeals.com/forums/finance/1249363/
http://www.fullofdeals.com/forums/finance/1180232/



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g: 0 Posted By: remick
Views: 30 Replies: 0 http://sharewareonsale.com/s/free-avg-internet-security-2014-54-...

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Computers & Software Deals
ON SALE: Forzieri - Golf Silver Plated Tie Clip
Added on : Friday January 10th 2014 09:00:12 AM
An elegant tie clip for the ultimate golf enthusiast featuring two golf clubs in silver plating for a unique accessory for the most refined men. Gift box included, Made in Italy
g: 0 Posted By: fatbujy
Views: 2 Replies: 0 ceramic coffee & soup

Francois et Mimi Set of 6 Large-Sized 14 Ounce Colored Ceramic Coffee & Soup Mugs $15.31 @ Amazon
CP-2000 on 2012 PayPal 1099-K
Added on : Wednesday January 08th 2014 11:00:05 PM
g: 0 Posted By: mm1g
Views: 99 Replies: 0 Hi,

In 2012 I sold a large amount of used items that I had accumulated throughout the years and this resulted in Paypal issuing a 1099-k. Since I

- Sold nearly all of this personal property at a loss
- Have never generated a yearly profit (don't do much selling, hence the accumulation) and don't expect to in the future (these losses aren't startup expenses)
- Don't rely on the sale of personal property for income
- Put as little effort as possible into the sales of the items (basically just listed everything on eBay in chunks)
- etc etc

it didn't seem appropriate to claim myself as a small business and file schedule C on the 2012 taxes. Instead, I found as many of the receipts as possible for the items and determined that out of the ~250 transactions, a whopping 25 or so individual sales managed to generate a profit. I deducted the eBay/paypal fees and shipping fees for these specific transactions and listed them via schedule D as short/long term gains, depending on when the item was originally purchased. The remainder of the 1099-k income wasn't declared as I understood from irs.gov that "yard sale" transactions of personal property that result in losses are not declared/documented.

Seems that wasn't what they were expecting. Received a CP-2000 early this week indicating they expected a schedule C entry for the 1099-k.

Seems funny that people are likely to get audited for claiming to be a small business and deducting all kinds of illegitimate expenses, and here I am trying to convince the IRS that I'm not a business and my losses shouldn't be deductible.

Anyhows, my question is -- now what? I've attempted to contact my local LITC by phone for support in writing the response but they haven't been responsive. There's no way that I'll be able to itemize a bunch of dvds and video games I bought 10 years ago and sold for a fraction of what I spent on them. There was no intent to profit there, so no need to keep the receipts around. I'd rather not get yelled at for claiming to be a business and then not being businesslike so does that make this a hobby business, thus use schedule A? Doesn't seem logical to claim a selloff where things all generate a loss as a business of any sort, hobby or otherwise.

Would it be a mistake to contact the IRS agent via phone and get their opinion? Am worried this is one of those situations where anything you say can and will be used against you...guess I'm just dreaming that they'd go "oooooooooohhhhhhhhhhhh, ok, yeah, you did that right. Let me just click this box here aaaaaand ok, you're good to go. Sorry for the inconvenience!"

Thanks.
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g: 0 Posted By: jessicadabears
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g: 0 Posted By: ArtieLange
Views: 96 Replies: 0 Thermaltake 7000 mAh Pro Ultra Capacity Power Bank $14.99 After $20 MIR card Free Shipping! Newegg

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Touch Screen Gloves (Men & Women) - from $6.99 + FS @ Tanga
Added on : Tuesday January 07th 2014 05:00:08 PM
g: 0 Posted By: heyyl0w
Views: 159 Replies: 0 Tanga has a variety of touch-screen compatible gloves available in assorted colors and styles. Prices start at $6.99 and the highest price is $8.99. Shipping is free. Several of them are in packs of 2.

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Commuting/Travel Expenses - Tax Deductible?
Added on : Saturday January 04th 2014 06:00:07 PM
g: 0 Posted By: supersnoop00
Views: 94 Replies: 1 I expect I'll need to pay a professional to advise on this issue, but I'm hoping some folks here can point me in the right direction first.


My wife is about to receive her PhD; she already defended, so she just needs to file and walk across the stage. She's hoping to get a job teaching at a university. This coming semester, she's taken a position teaching at a school about 200 miles away from where we live. They've scheduled her to teach two classes, one at night and another the next morning, so she'll be spending the night away from home. Is there any way to structure this arrangement to allow deduction of travel/commuting expenses for tax purposes? My research so far indicates that the job location would be her "tax home," and therefore nothing would be deductible. If, however, we set up a "home office," that might become her tax home. I think any expenses would have to exceed 2% AGI before anything can be deducted.

What is required in order to make these expenses deductible?
Is there a way to deduct all expenses, or only those above 2% of AGI?


To make things more complicated, many of the jobs she's applying for next academic year are only one or two year appointments. They would probably require her to maintain an apartment or other living arrangement in a city much farther away. She'd spend most of her time there, only coming home every other weekend and on school breaks. This living arrangement would, no doubt, complicate things even more for tax purposes, but would also be much more expensive, thus more worthwhile to find a way to deduct the commute.

Would the expenses in this scenario be deductible at all?

Tax Deals
Air travel booked by AAA will not categorize as travel on your cc
Added on : Friday January 03rd 2014 04:00:09 PM
g: 0 Posted By: markbyte
Views: 2 Replies: 0 I'm just mentioning this to any of you who may be considering letting AAA make your travel arrangements for you. My family and I are planning a trip to Europe in September. Being members of AAA we went down to the local office and they helped us plan a trip. Since I have a Barclay's Bank Arrival card with about $500 of travel points available, I used that card thinking I could redeem my points against that reservation. After the charge posted to my account I found that AAA is categorized as Automobile Associations (and not travel) thus preventing me from using my travel points. To make matters worse, they added a charge of $44.40 to each airline ticket as some sort of international booking fee adding $177.60 to the total for airfare (there are 4 of us). I wasn't there when the airline tickets were being booked (my sister was) or I would have stopped it. So had I just done the reservation myself here online, not only would I *not* have been charged $44.40 per ticket, I would have been able to use my travel points. Not a good experience at all.
Air Travel Deals
Mortgage company late paying tax bill, any recourse?
Added on : Friday January 03rd 2014 11:00:19 AM
g: 0 Posted By: PsychoFan
Views: 24 Replies: 0 I'm assuming my recourse is oh well/too bad, but I just want to be sure.
Basically, sent via fax a Real Property Consolidated Tax Bill to mortgage company in the beginning of December. Receipt of the bill was acknowledged in writing via email from the company. The payment deadline was 12/31. Mortgage company never paid the bill, so got in touch with them yesterday on 1/2 to ask what's going on. They acknowledged oversight and paid the bill today (1/3). Issue is that because they paid this tax bill ($3K+) in 2014, it will not appear on the 2013 year end summary thus I cannot deduct when I file my income return, right? I know some of you may ask why I didn't contact them earlier, but my experience has been that tax bills aren't typically paid by mortgage company until the actual due date. I guess it's lesson learned to keep bugging them in the future (at least I should be able to deduct it in 2015 then, right?).
g: 0 Posted By: tedhawkins
Views: 134 Replies: 0 Ultimate collection of AR rifles for modern tactical shooters DVD 15.99 + $3.99 flat shipping

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Child/Kid/Baby/Newborn Roth IRA Contribution $399 Per Year
Added on : Tuesday December 31st 2013 04:00:08 PM
g: 1 Posted By: theorca
Views: 72 Replies: 0 Facts
* Roth IRA contributions are limited to earned income.
* Earned income includes net earnings from self-employment.
* There is no self-employment tax on net earnings from self-employment under $400.
* You do not have to file a federal return if net earnings from self-employment were under $400.
* You do not have to file a federal return, as a single dependent, if your earned income was under $6,100, or your gross income was less than the larger of $1,000 or earned income (up to $5,750) plus $350.

Plan
Have your child perform self-employment work for you. Pay your child $399 per year for this work. Leave a paperwork trail (i.e., canceled checks). Your child does not have to file a federal return and does not have to pay federal self-employment tax. Issue your child a 1099-MISC for $399 per year to demonstrate earned income sufficient to permit a Roth IRA contribution. Contribute $399 to a Roth IRA every year. You can still claim your child as a dependent.

Downside
Even though the amounts are small, the compensation to your child would need to be legitimate and for something. Also, again, even though the amounts are small, because the earned income comes from net self-employment earnings (as opposed to wages that require a lot of paperwork), there could be a question about whether your child's work (and thus compensation) is really in the nature of self-employment vs. employment.

Furthermore, as the goal is to permit Roth IRA contributions and nothing more, to avoid questions about whether paying your child $399 per year constitutes a legitimate business expense, you could add $399 per year to your business' gross receipts and thus neuter the $399 business deduction. For example, if you own a lawn care business, you could pay your business $399 to mow your lawn and then pay your child $399 for mowing the same lawn.

Then again, perhaps the parent does not own a business, in which case he simply issues the child a 1099-MISC using his Social Security Number as the payor, without involving any business or Employer Identification Number. Again, the parent must actually be compensating the child for something.

An amount greater than $399 can be accomplished if the parent is willing to treat the child as an employee and deal with the associated paperwork (the upside is that there are federal employment tax savings for hiring family).

Is It Worth It?
$399 per year annually compounded at 8% over 21 years is $20,778.94. Assuming no further contributions after 21 years, the $20,778.94 becomes $451,412.53 after 40 additional years (age 61).

Your monthly deposit of $33.25 for 20 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $399.00.

Year...Balance
1...$844.35
2...$1,325.32
3...$1,844.77
4...$2,405.78
5...$3,011.67
6...$3,666.03
7...$4,372.74
8...$5,135.99
9...$5,960.29
10...$6,850.54
11...$7,812.01
12...$8,850.40
13...$9,971.86
14...$11,183.04
15...$12,491.11
16...$13,903.82
17...$15,429.55
18...$17,077.34
19...$18,856.96
20...$20,778.94

Your monthly deposit of $0.00 for 40 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $20,778.94.

Year...Balance
1...$22,441.26
2...$24,236.56
3...$26,175.48
4...$28,269.52
5...$30,531.08
6...$32,973.57
7...$35,611.45
8...$38,460.37
9...$41,537.20
10...$44,860.17
11...$48,448.99
12...$52,324.91
13...$56,510.90
14...$61,031.77
15...$65,914.31
16...$71,187.46
17...$76,882.45
18...$83,033.05
19...$89,675.69
20...$96,849.75
21...$104,597.73
22...$112,965.55
23...$122,002.79
24...$131,763.01
25...$142,304.06
26...$153,688.38
27...$165,983.45
28...$179,262.13
29...$193,603.10
30...$209,091.34
31...$225,818.65
32...$243,884.14
33...$263,394.87
34...$284,466.46
35...$307,223.78
36...$331,801.68
37...$358,345.82
38...$387,013.48
39...$417,974.56
40...$451,412.53

Final Savings Balance: $451,412.53
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Best Vehicle for Driving 20k-30k Miles Per Year
Added on : Monday December 30th 2013 06:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 0 Replies: 0 Hello All, who doesn't love a good random vehicle question? I'm considering taking a new job where I will be traveling extensively all over the United States and on the road almost all the time. I've spoken to people who have this job and own vehicles and they have told me that drive between 19k miles (the lowest) and 32k miles (the guy who drove the most). I have two choices for having a vehicle:

Option 1: Rent a car every week on the company's dime, return it and travel with lower level co-worker by bus or plane. Gas is also expensed and there is obviously no maintenance cost, but there is the hassle of picking up and dropping cars every week and I will always have an "intermediate" (Hyundai Elantra, Chevy Cruize, Chrysler 200, etc.) which is far from my dream vehicle.

Option 2: Purchase a car and be reimbursed at the prevailing IRS mileage rate. This seems like it would be the better option because if we assume that the IRS mileage rate will never drop from the current .56 cents per mile, that would be $11,200 (20k miles)-$16,800(30k mileage) every year. In theory, I could buy a brand new lower end domestic car every year/two years just with this reimbursement.

Here's my issue though, if I'm going to spend this much time driving this car, I really want something that I will be comfortable and enjoy driving. I'm 6'6" so the cars will have to be larger to be comfortable, I would prefer a used luxury vehicle that can take lots of highway mileage with minimal repairs. Gas mileage is a secondary concern for me and while it isn't necessary for me to have something that looks cool, it's not a requirement. Here are my ideas thus far:

1. Lincoln Towncar
2. Hyundai Equus
3. Ford Fusion
4. GMC Terrain
5. Chrysler 300

1. The Crown Vic's far more luxurious cousin, the Lincoln Towncar seems like a decent option. From my brief research on Autotrader, it appears I can buy one that is about a decade old with 50-60k miles for under $8k at which point I could in theory buy two every freakin year and almost break even. If I lose an engine on the highway, just go rent a car for a few days and buy another. A strange way to think about this but since they are used so extensively as fleet vehicles, I assume that it's proof that they are reliable with heavy mileage. I've been in the back of a lot of towncars but never driven one, I'm sure they are a boat, but that's to be expected and I've always driven big cars.

2. Hyundai Equus: I sat in one of these at a car show and was blown away by the fit, finish and how comfortable it is. I'm a bit of a geek and so I would love all the toys that would come in it. This would probably be the most expensive of my options but seeing cars that were originally sold for around $60k selling reliably for around $30-35k because the used luxury Hyundai market doesn't seem that great. I would hope to keep the 10 year/100k mile warranty to cover any major powertrain issues for the two/three years until I get up to 100k miles.

3. Ford Fusion: I've rented these a couple of times including for some longer trips and I generally liked them. Good size, decent look, decent mileage, I'd probably attempt to buy a used one under $10k and then drive it till the wheels fell off hoping to pocket as much mileage cash as possible. That being said, I'm not sure that the Fusion would have any advantage over an Impala/Accord/etc. and I should just take the lowest mileage vehicle that passes inspection and buy in cash.

4. GMC Terrain: I rented one of these for two weeks and liked how it drove, decent gas mileage and plenty of space for people and stuff. Generally I would be hauling around nothing but air but occasionally I could see wanting a car full of people and a load of stuff in the back. The big concern that has almost made me drop this from my list is that I've read about a lot of problems with the engines on these vehicles and they are still a bit too expensive to want to risk having to replace an engine in the middle of a long work trip between cities.

5. Chrysler 300: What I really like about these is that they are huge and the nicer trim packages really feel like a decent luxury vehicle. That being said, the gas tanks are massive and it kind of hurts to fill them up. I generally like the look of these vehicles though every one I've driven/ridden in seems exceptionally behind the times in terms of infotainment and car audio.

While the most obvious FWF answer is a civic or something that I can put 100k miles in 3-4 years on and do no work but oil changes, I want something large, that I'll enjoy driving and can take tons of highway mileage and a luxurious interior would help keep me comfortable on weekly 2-3 day car trips. While a luxury car would be preferable, I don't have any requirement that I have a certain vehicle that will impress clients. So FWF, what kind of car would you buy if you were 6'6" and needed to drive more in a year than most people do in 3 years?
g: 1 Posted By: remick
Views: 229 Replies: 0 https://play.google.com/store/books/details/Various_DC_Entertainment_Essential_Graphic_Novels_?id=hcMlAQAAQBAJ

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Books & Magazines Deals
Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do not insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.

So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2013? Did the poor (but allegedly improving) economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:

Gender: Male

Age: 41

Location: Northern NJ

Occupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)

Education: M.A., plus 33 additional credits

2013 Compensation: $101,600 - Pretty much base pay. Not too much extra $$$ this year.

Future Salary Projection: Not too much further to go from here in my current position. Salary will go up maybe $3000 next year. Then, it might go up $1700 or $1800 per year.

Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits). While teachers still get tenure in most states, the protections afforded by tenure have been significantly weakened in many states, including NJ.

What's the job like?

Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).

Revision of tenure laws and new evaluation systems have made a very difficult job even more difficult.

Would you recommend the career to others?

Every year, my recommendation for entering education has become a little less enthusiastic. At this point, I have to say that I can't recommend education as a career, at least until things change significantly. The public employee bashing in the U.S. is still strong, with teachers still at the top of the "Bash List", and it doesn't look like attitudes are going to change anytime soon.

The weakened tenure laws and new evaluation systems have exacerbated an already tough situation. IMHO, these changes aren't meant to improve educators. They're meant to enrich private corporations (the testing and evaluation companies are making gobs of money off the schools), and to make it easier to weed out older, higher paid teachers (like me).

This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.

If you still want to go into education, be prepared for a very tough road ahead.
Discussion Deals
g: 0 Posted By: remick
Views: 277 Replies: 0 http://www.amazon.com/God-Told-Me-Marry-Pretty-ebook/dp/B0080K3BDA

4.7 out of 5 stars (18 customer reviews)

Does an infinite and all-powerful God really care about the everyday concerns of people? Jim Samra answers with an unequivocal and enthusiastic "Yes!" in this guide to hearing God's direction in everything. From the trivial and mundane to the life-changing, God cares about it all because it concerns his creatures, his creation, and his kingdom.

In this unique book, Samra unpacks biblical passages and shares fascinating and surprising true stories about God's guidance, encouraging readers to keep up a running conversation with their creator, to search for guidance in Scripture, and to pay attention to apparent coincidences. Readers who want to make godly decisions about the big things (where to live, where to go to school, where to work, who to marry) and the seemingly little things (which car to buy, which song to sing in church, who to talk to, what to say) will find a gifted and encouraging guide in Samra.
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Free Wine Tasting & Free Giveaways!
Added on : Thursday December 19th 2013 11:00:11 AM
g: 0 Posted By: chacuayab
Views: 91 Replies: 0 Free Wine Tasting

Come join us this Saturday as we sample out over 50 Wines from all over the world!

We will also be giving away free items such as: Flasks, Wine, Glasses & other great giveaways!
Click the link above for more information and to RSVP

Thanks!!!

See you Saturday!Event DetailsWe offer you one-stop shopping for your beverages and parties! Spring Wine and Spirits offers one of the largest selections of fine wines, spirits, beers, liquors, cigars, food items, and gifts in the western suburbs all without any county tax. And we go out of our way to provide friendly and knowledgeable service to our customers, while still offering great value.Come in and join us as we sample out over 40 different wines from all over the world. Bring in some enthusiastic Wine & Champagne lovers to those who have never been to a tasting for an unbelievable event!Hors D'oeuvres will be servedMust be 21 & over to taste the Wine (No age limit to be inside the actual event).This is the perfect time to get in all of your holiday gifts as well!This event is FREE.Also like our Facebook page for a chance to win a $150 gift certificate at the tasting!Have questions about Wine & Spirits Tasting?Contact Spring Wine & Spirts Corporation

Memberships & Services Deals
Corsair Enthusiast Series TX650 V2 650W 80+ Bronze - $79.99 after coupon
Added on : Wednesday December 18th 2013 09:00:06 AM
Save 20.00 with coupon code AJU109177 at checkout. Normally 99.99 before coupon.Now 79.99 after coupon.Offer ends Dec 20 2013 12:00AM
Corsair Enthusiast Series TX750 V2 750W 80+ Bronze - $89.99 after coupon
Added on : Wednesday December 18th 2013 09:00:06 AM
Save 30.00 with coupon code DWD109180 at checkout. Normally 119.99 before coupon.Now 89.99 after coupon.Offer ends Dec 20 2013 12:00AM
Corsair Enthusiast Series TX850 V2 850W 80+ Bronze - $109.99 after coupon
Added on : Wednesday December 18th 2013 09:00:06 AM
Save 30.00 with coupon code JIH109183 at checkout. Normally 139.99 before coupon.Now 109.99 after coupon.Offer ends Dec 20 2013 12:00AM
20% off Coupon on CASA, works on products like Breville
Added on : Tuesday December 17th 2013 11:00:02 PM
g: 0 Posted By: dantehu
Views: 185 Replies: 0 I kept searching for deals on Breville products but all their products seem to have almost the SAME price over different retailers and no discount or coupon can apply, until I used the coupon CASAPLA20H100 on casa.com
for Breville products.

The coupon is 20% off for orders with at least $100 and the max discount is 25. Therefore better find products priced hovering $125. This coupon applies to most products with unknown exclusion criteria. This coupon works best on products that seem to have UNIVERSAL price over different retailers.

HINTS:
1. Shipping is free for orders > $49.
2. If you have Discover card, don't forget to sign up for your December 5% online shopping CashBack.
3. They also have coupon CASAPLA15H and CASAPLA10H for purchases under $100. Give it a try and see which one works best for you.
4. For 1st time buyers, you might try CASA25NC coupon but it is odd. Not applicable on some products, such as Breville products... I have no idea why bc I used it before and worked.
4. Its not difficult to find a filler. I simply got an OXO bottle opener...but not 100% the 20% off will applied on the filler. Again, I have no clue why...I think their website and coupon system is not flawless.
5. you might need to pay TAX, YMMV
6. Most of casa's product has the same price on Amazon.
7. If you cant find the product you want. Try google product first and use the link provided.
8. casa.com is an Amazon company thus you should buy with confidence.

Here are just some Breville example, you find what you actually need!!!

Breville 700Watt Compact Juice Fountain $99.95 link

Breville BSB510XL Control Grip Immersion Blender $99.95 link

Breville BEW600XL Hot Wok $129.95 link

Breville BKE820XL Variable Temperature 1-4/5 Liter Kettle $129.95 link

Breville BRC600XL The Risotto Plus Sauteing Slow Rice Cooker and Steamer $136.49 link
another odd thing, you can't find this rice cooker by searching on their website!!!

Be creative and share your experience with all Fatwallet users!

What I just ordered
Breville BSB510XL Control Grip Immersion Blender $99.95 + OXO Steel bottle opener $11.99 - coupon $22.39 = $89.55 (Hello...Amazon has the same blender priced ~ $99)


Appliance Deals

Casa.com Coupons
Corsair Enthusiast Series TX650 V2 650W 80+ Bronze - $59.99*
Added on : Tuesday December 17th 2013 09:00:06 AM
Save 20.00 with coupon code AJU109177 at checkout. Normally 79.99 before coupon.Now 59.99 after coupon.Offer ends Dec 20 2013 12:00AM
Corsair Enthusiast Series TX750 V2 750W 80+ Bronze - $69.99*
Added on : Tuesday December 17th 2013 09:00:06 AM
Save 30.00 with coupon code DWD109180 at checkout. Normally 99.99 before coupon.Now 69.99 after coupon.Offer ends Dec 20 2013 12:00AM
Get off my lawn (snow edition)
Added on : Monday December 16th 2013 07:00:10 AM
g: 3 Posted By: chantspel
Views: 178 Replies: 10 Would like to get the advice from the community regarding my situation. It seems that I have the best yard in the neighborhood for sledding. Every time we have any snow it inevitably happens: I'll look out and there is kids running up in down in my yard with sleds. Now I have asked them to leave before and its not always the same group of kids (our neighborhood has a lot of kids). Also I don't think me asking them not to or yelling at them make's much of a difference as I can't be home all the time to monitor the situation.

My questions are thus:
1) What am I potentially exposing myself to liability wise if this continues and
2) How do I prevent this from happening in the first place

If it turns out that 1) I don't have anything to worry about then I'll just leave well enough alone. If not I'd be interested in some answers to # 2.

Possible options:
1) Become that "guy" who yells "get off my lawn!" all the time
2) Build a tall fence (costly - not ideal)
3) Outdoor signs (wife won't approve)
4) Some other FWF idea

If there is a post related to this please point me in that direction and I'll be sure to check it out. Thanks

Discussion Deals
Curb Your Enthusiasm: The Complete Eighth Season (2011) $11.98 FSSS
Added on : Saturday December 14th 2013 04:00:03 PM
g: 0 Posted By: GreenTrash
Views: 248 Replies: 0 LINK
Movies Deals

Amazon Coupons
Corsair Enthusiast Series TX650 V2 650W 80+ Bronze - $59.98*
Added on : Friday December 13th 2013 09:00:06 AM
Save 20.00 with coupon code AJU109177 at checkout. Normally 79.98 before coupon.Now 59.98 after coupon.Offer ends Dec 20 2013 12:00AM
Corsair Enthusiast Series TX750 V2 750W 80+ Bronze - $69.98*
Added on : Friday December 13th 2013 09:00:06 AM
Save 30.00 with coupon code DWD109180 at checkout. Normally 99.98 before coupon.Now 69.98 after coupon.Offer ends Dec 20 2013 12:00AM
Corsair Enthusiast Series TX850 V2 850W 80+ Bronze - $89.99*
Added on : Friday December 13th 2013 09:00:06 AM
Save 30.00 with coupon code JIH109183 at checkout. Normally 119.99 before coupon.Now 89.99 after coupon.Offer ends Dec 20 2013 12:00AM
Crosman Phantom Break Barrel Rifle and Range Kit $69 shipped @ Walmart
Added on : Wednesday December 11th 2013 06:00:05 AM
g: 2 Posted By: TheRatsWon
Views: 286 Replies: 1 http://www.walmart.com/ip/Crosman-Phantom-Rifle-and-Range-Kit/21311832
Rifle alone sans kit is $98: http://www.walmart.com/ip/Crosman-Phantom-.177-Break-Barrel-Air-Rifle/16536176
Please use included safety glasses if your name is Ralphie

Item Description
The Crosman Phantom Rifle and Range Kit has everything you need to help improve and maintain your marksmanship skills. The key component of this Crosman Air Rifle and Range Kit is the Phantom - a .177-caliber break barrel air rifle that shoots up to 1,200 fps using lead-free pellets. The Crosman Phantom Rifle and Range Kit also includes 1,000 pellets, safety glasses and two different Zombie-type targets in four designs to add variety and fun to your practice routine. The Crosman Phantom Rifle in this Rifle and Range Kit features an ambidextrous stock with a single-shot firing mechanism. The barrel is rifled for accuracy and the rifle's firing mechanism is spring-based. An ambidextrous manual safety prevents accidental firing during transport or while on the range. Intended for air gun enthusiasts age 16 and up, the Phantom Crosman Air Rifle and Range Kit will help you learn the ropes and further hone your shooting skills.

Crosman Phantom Rifle and Range Kit:

For ages 16 years and up
Comes with Stinger Phantom .177-caliber break barrel rifle, 2 Zombie-type targets in 4 designs, 1,000-count Crossman .177-caliber pellets and safety glasses
Rifle features:

Ambidextrous stock
Mechanism: single shot
Velocity: 1,200 fps with lead-free pellets
Caliber/ammo: .177 caliber pellets
Barrel: rifled
Power source: spring
Safety: ambidextrous manual
Weight: 6.5 lb

2 Zombie-type targets include:

Green spinning metal system
20-count 9.75" x 9.0" paper

Overall dimensions: 43.0"L x 1.5"W x 5.5"H
Model# 30201

Specifications
Weight: 6.5 lbs. Multi Pack Indicator: No Battery Type: Does Not Contain a Battery Model No.: 30201 Shipping Weight (in pounds): 8.0 Product in Inches (L x W x H): 43.0x1.5x5.5 Assembled in Country of Origin: USA or Imported Origin of Components: USA or Imported WalMart No.: 550803882

Guns & Ammo Deals

Walmart Coupons
RedHead Moose Socks for Men $4.99 + Free shipping
Added on : Tuesday December 10th 2013 06:00:09 AM
g: 0 Posted By: tedhawkins
Views: 267 Replies: 0 RedHead Moose Socks for Men $4.99 + Free shipping

http://www.basspro.com/RedHead-Moose-Socks-for-Men-1-Pair/produc...

A comfortable sock built for active outdoors enthusiasts, the RedHead Moose Sock for Men employs merino wool construction to deliver great comfort and performance. This wool blend sock combines high-performance merino wool blend construction with a folksy moose design look to give you a sock made for outdoor fun. Made of a 50% coolmax polyester/24% stretch nylon/23% merino wool/3% lycra spandex blend, this sock gives you performance along with the naturally odor-free, moisture controlling, and temperature regulating performance of merino wool. Care: Turn socks inside out. Wash in warm water. Do not bleach. Tumble dry. Large sock fits men's shoe sizes 9-12, women's shoe sizes 10-13. 1 pair. Imported.
Clothing Deals

Bass Pro Shops Coupons
Tax options for forced cash out of stock options after acquisition?
Added on : Monday December 02nd 2013 10:00:17 AM
g: 0 Posted By: gorustyw
Views: 249 Replies: 7 Hello all,

I am an employee of a private company that is being acquired and I have vested stock options. Those options are being "cash out" rather than being converted to the stock of the acquiring company thus I will be given cash for them. My understanding is that I will be taxed as if this was "regular income"...no bueno since this will barely push me to a higher tax bracket. That being said, are there any reasonable solutions to lower my tax liability or at least move the liability to next year. Asking for the check next year is not an option.

Thanks reading my post and I'll appreciate any feed back...even the odd ones.
Tax Deals
Canon 6D + freebies = $1599 at Amazon
Added on : Monday December 02nd 2013 07:00:13 AM
g: 0 Posted By: peachtreeroadrace
Views: 305 Replies: 2 Not the best price on the Canon 6D this year, but the best price of the holiday season thus far on the Canon 6D (from a reputable Canon dealer) can be found at Amazon for $1599. Make sure you look at the promotions section to include a monopod, gadget bag, and 8gb memory card for free (cost of one of each of these items will be deducted from the final price upon checkout).

http://www.amazon.com/gp/product/B009B0MZ8U

SLR & dSLR Deals

Amazon Coupons
g: 0 Posted By: bittul
Views: 398 Replies: 0 drugstore.com is taking an additional 20% off all Fragrances (through 12/7) when you click through the link.

Unfortunately most Fragrances come in glass bottle, thus making them ineligible for Shoprunner. So shipping is only free after $25 (pre-20% off discount).

Other nice deals include the Old-Spice products which have a buy 2 save $1 coupon on them, and the Secret items which have a $0.75 coupon on them.

BRUT gift set: http://www.drugstore.com/brut-original-fragrance-combo-gift-set/...
Brut Original Fragrance Combo Gift Set includes:

Brut Cologne (5 oz): This is the longest-lasting form of BRUT. It's designed especially for places you want to be noticed.
Brut Splash-On (7 oz): Perfect for a quick, cool splash of manliness, this is the most subtle form of BRUT. Use it on your face, body or both.

Beauty Deals

drugstore.com Coupons
g: 0 Posted By: bittul
Views: 237 Replies: 0 drugstore.com is taking an additional 20% off all Fragrances (through 12/7) when you click through the link below.
http://www.drugstore.com/beauty/fragrance/qxg180650-0?
(redirect causing problems.... If link doesn't work, check back in about 10 minutes, I should have it figured out by then)

Unfortunately most Fragrances come in glass bottle, thus making them ineligible for Shoprunner. So shipping is only free after $25 (pre-20% off discount).

Other nice deals include the Old-Spice products which have a buy 2 save $1 coupon on them, and the Secret items which have a $0.75 coupon on them.

BRUT gift set: http://www.drugstore.com/brut-original-fragrance-combo-gift-set/...
Brut Original Fragrance Combo Gift Set includes:

Brut Cologne (5 oz): This is the longest-lasting form of BRUT. It's designed especially for places you want to be noticed.
Brut Splash-On (7 oz): Perfect for a quick, cool splash of manliness, this is the most subtle form of BRUT. Use it on your face, body or both.

Beauty Deals

drugstore.com Coupons
g: 0 Posted By: SkyFwd
Views: 227 Replies: 0 Offering 30% off today. They run this on Groupon once or twice a year, but it's $669. Drive each car for about 20/25 minutes and then switch to the next one. Stop 1/2 way for lunch included in tour.

I did the one in San Jose and it was a blast. You go out in a lead follow group with the employees driving in the lead car in the front of the group. I bought one for the Marina Del Rey location. I think for $200 you can have a passenger go with you.

Club Sportiva is offering a Black Friday special on Gift Certificates. You may purchase any gift certificate value and receive 30% off in cost through Black Friday at 11:59PM.

When calling us at 866.719.1600 or contacting us through the link below, use code BF13 to receive the discount value.

http://clubsportiva.com/pages/black-friday-special

Northern California/San Francisco Bay Area | Southern California/Los Angeles Area
Makes an unforgettable gift for any car enthusiast!
Drive six different exotic cars through 120 miles of the best backroads
Compare the exotic cars handling and driving characteristics with about 20 miles & approximately 30-45 minutes in each vehicle
Get familiarized to drive and perform in each exotic vehicle by our staff
Meet at Club Sportivas Clubhouse for a meet & greet with your fellow drivers and guides over a complimentary breakfast
Enjoy a complimentary lunch at at one of our most scenic stops on the route
ONLY $999 per driver!

The Cars
You will be driving six vehicles from the world's most impressive range of brands:
Ferrari | Lamborghini | Aston Martin | Lotus | Bentley | Audi | Maserati | Tesla | Porsche | Nissan GTR | Mercedes Benz |

*Vehicle availability subject to change due to maintenance. Some vehicles are standard manual transmission. Vehicle models utilized on previous Tours include the Ferrari Italia, F430, 360; Lamborghini Murcielago, LP-560, Gallardo Spyder, Audi R8V10, R8 V8; Tesla Model S, Roadster; Bentley GTC; Nissan GTR; Aston Martin DB9, Vantage;


The Drive in Northern California
San Jose, Los Gatos, Saratoga, La Honda, Woodside, Pescadero & Half Moon Bay
The day will begin with a meet & greet at the Club Sportiva Clubhouse in , where you will be served a continental breakfast, provided with an explanation of the itinerary and drive. From there, you will begin The Exotic Car Tour, where you will drive through some of the most scenic roads of the Bay Area from Skyline Blvd to Hwy 1, including the backroads of Hwy 84 and 92. You will stop at designated points along the route to switch vehicles, enjoy a complimentary lunch, and drive a total 120 miles in six exotic cars!

The Drive in Southern California
Marina del Rey, Santa Monica, Topanga Canyon & Malibu
The day will begin with a meet & greet at the Club Sportiva Clubhouse in Marina del Rey, where you will be served a continental breakfast, provided with an orientation of the cars, itinerary and drive. From there, you will begin The Exotic Car Tour, where you will drive through some of the most scenic roads of the Santa Monica and Malibu areas of Los Angeles, including Pacific Coast Highway, Mulholland Highway, and Old Topanga Canyon. Complimentary lunch will be served in one of our favorite spots in Malibu, and from there we will continue our 120 mile roundtrip drive back through amazing roads concluding at the Club Sportiva Clubhouse.
Tools & Automotive Deals
g: 0 Posted By: lessalesa
Views: 664 Replies: 3 *Update* - It seems this is for Arkansas Entergy customers only. Sorry.

I dont know if this is targeted. It worked for me, and my brother.

Sign up with Entergys rewards club. (Must be a customer, must have your account number.)

https://www.entergysolutionsrewards.com/

1500 points for signing up. (This is the YMMV part.)

Now go to Earn more points:

200 points - Complete home profile

150 points - Share your pledge on face book

150 points - View your home energy report.

= 2000 points!

Each 1000 points gets you a $10 gift card. Amazon is sent to your email immediately (be sure to check your spam folder if you dont see it). Here are the gift cards they have:

Amazon.com
Barnes & Noble
Chili's
Foot Locker
GameStop
Gander Mountain
golfsmith
Groupon
iTunes
Maggiano's
Marriott
Old Navy
Overstock.com
Regal Cinemas
Sephora
Stein Mart
Target
TGI Friday's
The Cheesecake Factory
The Home Depot
Wine Enthusiast

Limited Eligibility Deals
Entergy customers - possible free $20 in gift cards - expires 11-30-13
Added on : Tuesday November 26th 2013 10:00:08 PM
g: 0 Posted By: lessalesa
Views: 111 Replies: 0 I dont know if this is targeted. It worked for me, and my brother.

Sign up with Entergys rewards club. (Must be a customer, must have your account number.)

https://www.entergysolutionsrewards.com/

1500 points for signing up. (This is the YMMV part.)

Now go to Earn more points:

200 points - Complete home profile

150 points - Share your pledge on face book

150 points - View your home energy report.

= 2000 points!

Each 1000 points gets you a $10 gift card. Amazon is sent to your email immediately (be sure to check your spam folder if you dont see it). Here are the gift cards they have:

Amazon.com
Barnes & Noble
Chili's
Foot Locker
GameStop
Gander Mountain
golfsmith
Groupon
iTunes
Maggiano's
Marriott
Old Navy
Overstock.com
Regal Cinemas
Sephora
Stein Mart
Target
TGI Friday's
The Cheesecake Factory
The Home Depot
Wine Enthusiast

Limited Eligibility Deals
Bavarian Autosport Black Friday Sale
Added on : Tuesday November 26th 2013 10:00:03 AM
g: 0 Posted By: thedbn
Views: 1 Replies: 0 For BMW & MINI Enthusiasts
link
Free UPS Ground Shipping on 11/29 & 11/30 (Phone orders only)

Doorbuster Bonus
Order between 5am9am on Fri 11/29 and get extra 10% off your entire order. (stacks with free shipping)
NOTE: Applies to phone orders only.
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.backcountry.com
When you place an order for $200 or more, $25 in credits will be applied to your BackCountry.com account. Credits can be used on future BackCountry.com purchases placed between now and the expiration date. This is a limited-time offer and credits expire on Nov 30, 2013.

Returns from your $200 order will void credits.

http://www.backcountry.com/How do I use my credits?Credits are redeemed at the checkout on BackCountry.com, Competitive Cyclist, and dogfunk.com. When you reach the checkout screen youll see a small credits box that will indicate your credits balance. Just check the box next to the displayed credits to redeem those credits. All credits must be redeemed at the same timethere is no option to redeem only a portion of your credits.Credits expire in the order that theyre received, and because you earn credits through multiple purchases and on different days, some credits expire before others. When credits are redeemed toward a purchase, those credits expiring the soonest are applied first. Any remaining credits represent those that were earned most recently, and thus, expire last. This ensures that you always have the maximum amount of time to use any credits in your account.How do I view my credits balance?Your credits balance is displayed in your account, on the cart page, and in the checkout.Do credits expire?Yescredits expire. The credits expiration date depends on how and when the credits were earned. The expiration date can be found on your account page and well even send you a reminder before your credits expire. Youll always know how long you have to redeem your credits.


Sports & Outdoors Deals

Backcountry.com Coupons
g: 0 Posted By: tedhawkins
Views: 115 Replies: 0 2014 Classic Firearms Calendar Featuring 13 months of Classic Firearms Showcasing Turnbull Manufacturing $6.50 FS

http://www.gearhog.com/

Deal Overview
Turnbull Manufacturing Company is pleased to present their 2014 Classic Firearms Calendar.

This is a full color calendar showcasing the incredible detail of some of the restored firearms that Turnbull Mfg. Co. has brought back to life over the years as well as several of the manufactured firearms they have produced.

Our 2014 calendar makes a great gift for the gun enthusiast as well as anyone that appreciates fine craftsmanship.

* Calendar Size is 11x17
* Printed on high quality velvet stock
Guns & Ammo Deals
Sitting on cash with a student loan decision to make...
Added on : Wednesday November 20th 2013 05:00:15 PM
g: 0 Posted By: jd2010
Views: 161 Replies: 0 Time for another installment of "pay your student loans, deadbeat."

Backstory: Over the past 2.5 years my financial picture has gone like this:
Then Now IRA 0 15000 401k 0 30000 Cash 0 25000 CC Debt -20000 0 Student Loans -140000 -125000
I am juggling a lot of variables and want to rely on the wisdom of FWF to help me make the best decision. There are multiple issues at play making the right call here murky (at least in my opinion)

As of today, all student loans are consolidated on Income Based Repayment (IBR) at a weighted 7.2%. My monthly payment is around $900, which covers interest but makes near 0 dent in principal.


1) Employment - Employment and promotion prospects are murky due to bureaucracy and being under the sales dept umbrella at Fortune 500 employer. I could be out on my ass in a month if we miss #s and mgmt wants the stock to go up a penny or two. Job is also semi unique and am not sure how easily I could find similar employment at a similar comp level. Changing comp changes my monthly loan payment, and thus, the entire game if something should happen to jobby.

2) House - I missed the bottom by a lot and am not in any rush to buy now, but I'd like the liquidity to take advantage of the next crash when helicopter ben runs out of steam, along with any other FWF shenanigans that require some capital to scale.

3)Car - Has several issues and the carfax is ugly to where I am probably best served driving it into the ground. I may need to make a vehicle purchase in next year or in 5 years, depending on how long bubblegum and duct tape holds it together.

4)Bailout possibilities/point of no return- I have been hesitant to start going hard at my loans so far. I am at the income and loan amount combination, where if I don't see a jump in pay, I am probably better off doing the status quo for a while and seeing what comes down the chute from govt. Once I commit $ to loans I am basically opting out of whatever bailout may come in the future because my debt/income will likely be too low to benefit. If I get a promotion I'll likely be making enough to where I can knock them out in 5 years or so and procrastinating won't make sense. But as it is now I feel stuck.

Wildcard: GF will be graduating with 200k in debt in 1.5 years and taking job in health sector, with potentially much more lenient student loan forgiveness terms. We have no plans of getting married or having kids. However, we would consider a paper marriage should it behoove us from a student loan perspective where my loans may be able to be shell-gamed in combination with hers to maximize forgiveness benefits and start attacking the ones that make the most sense jointly.


As I see my options, they fall into varying degrees of the following two scenarios...

Continue to stockpile cash and pay the IBR minimums, which will cover interest and wait for the house of cards to fall and pray for free $.
Pros:
1) Will be in good shape if I get canned
2) if my car takes a dump
3) if at some point I want to do a house
4) Most notably, am positioning myself as well as I can to take advantage of apotential wide-reaching student loan bailout when the whole higher ed bubble goes boom.

Cons:
1) Passing onrisk-free guaranteed 7+% return (assuming no bailout)

Throw most of the 25k at student loans
Pros
1)7% return and I am a responsible FWF citizen who PHBDB.
Cons:

1) Shoots all liquidity to hell, limited ability to do house or car for foreseeable future
2) Once I go down the path of actually paying back my loans, my loan total will shrink to where I will be far less likely to qualify for any govt cheddar. It is basically a 10 year decision if I decide to start paying them down.


Would appreciate outsider input as to whether Im overcomplicating this. If I do keep stockpiling, how aggressively do I then invest it ranging from 1% CD to putting it all on black in vegas?
Personal Finance Deals
Mountain House Essential Assortment Bucket $56.99 + $5.99 S/H
Added on : Wednesday November 20th 2013 08:00:07 AM
g: -1 Posted By: tedhawkins
Views: 200 Replies: 1 Mountain House Essential Assortment Bucket $56.99 + $5.99 S/H

http://www.gearhog.com/

Deal Overview
Essential Assortment Bucket Contains:

4 Pouches - Rice & Chicken (53105 - 3 servings per pouch)
4 Pouches - Chili Mac with Beef (53128 - 2.5 servings per pouch)
4 Pouches - Spaghetti with Meat Sauce (53108 - 2.5 servings per pouch)
Bucket Dimensions = 12″ x 10″ x 13″


Mountain House, the #1 brand of freeze dried backpacking foods has been the choice of backpackers, hikers, campers, and other outdoor enthusiasts for over 30 years. When it comes to long term food storage, emergency preparedness and recreational activities like camping, hiking, backpacking and hunting, Mountain House is the #1 choice. That's because Mountain House has been recognized as the best tasting freeze dried meals. Mountain House, is convenient, easy to prepare and has a long shelf life.
Grocery Deals
Free Kindle Book - Freeman by Leonard Pitts (was $16.00)
Added on : Tuesday November 19th 2013 05:00:05 AM
g: 2 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B008164K6A

4.6 out of 5 stars with 235 reviews

Freeman, the new novel by Leonard Pitts, Jr., takes place in the first few months following the Confederate surrender and the assassination of Abraham Lincoln. Upon learning of Lee's surrender, Sam--a runaway slave who once worked for the Union Army--decides to leave his safe haven in Philadelphia and set out on foot to return to the war-torn South. What compels him on this almost-suicidal course is the desire to find his wife, the mother of his only child, whom he and their son left behind 15 years earlier on the Mississippi farm to which they all "belonged."

At the same time, Sam's wife, Tilda, is being forced to walk at gunpoint with her owner and two of his other slaves from the charred remains of his Mississippi farm into Arkansas, in search of an undefined place that would still respect his entitlements as slaveowner and Confederate officer.

The book's third main character, Prudence, is a fearless, headstrong white woman of means who leaves her Boston home for Buford, Mississippi, to start a school for the former bondsmen, and thus honor her fathers dying wish.

At bottom, Freeman is a love story--sweeping, generous, brutal, compassionate, patient--about the feelings people were determined to honor, despite the enormous constraints of the times. It is this aspect of the book that should ensure it a strong, vocal, core audience of African-American women, who will help propel its likely critical acclaim to a wider audience. At the same time, this book addresses several themes that are still hotly debated today, some 145 years after the official end of the Civil War. Like Cold Mountain, Freeman illuminates the times and places it describes from a fresh perspective, with stunning results. It has the potential to become a classic addition to the literature dealing with this period. Few other novels so powerfully capture the pathos and possibility of the era particularly as it reflects the ordeal of the black slaves grappling with the promise--and the terror--of their new status as free men and women.
Books & Magazines Deals

Amazon Coupons
EIN number changes with business structure change?
Added on : Monday November 18th 2013 10:00:07 AM
g: 0 Posted By: BenH
Views: 23 Replies: 0 So I had posted in another thread about dissolving my LLC and simply continuing to operate as a Sole Proprietorship. I contacted my bank about what this might mean for my current banking accounts under the business. This was their reply:
bank rep said: If you are changing from an "LLC" to a "Sole proprietorship", we actually need to reopen a new account as a sole proprietorship. Also, your current tax id number is associated with the LLC and thus would need to amended in one of the following ways:

- Applying for a new tax id number as a sole proprietorship with the IRS. Here is the link to the free online application http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/A...
- You may use your Social Security Number as your tax id number when operating a sole proprietorship.
- Contact the IRS and have them reassign your current EIN number from an LLC entity to a Sole Proprietorship. They would also need to provide you with an update EIN letter that is now assigned to the sole proprietorship.

In the event, you decide to go with option 3 I would suggest talking to a tax professional about any possible ramifications of using the same tax id number. Please let me know if you have any questions or concerns regarding the process involved.


​This IRS sitestates:
IRS said: Limited Liability Company (LLC)
An LLC is an entity created by state statute. The IRS did not create a new tax classification for the LLC when it was created by the states; instead IRS uses the tax entity classifications it has always had for business taxpayers: corporation, partnership, or disregarded as an entity separate from its owner, referred to as a disregarded entity. An LLC is always classified by the IRS as one of these types of taxable entities. If a disregarded entity is owned by an individual, it is treated as a sole proprietor. If the disregarded entity is owned any any other entity, it is treated as a branch or division of its owner.

I believe I am a "disregarded entity" (singly owner, no employees, not taxed as corp.) so it appears the IRS is saying that I am already treated like a sole proprietor ?

Regardless of what the bank says, is their really anything I need to do with the IRS to let them know I am changing from an LLC to sole proprietorship? Can I not continue to use my existing EIN?

The bank rep stated I had to contact them to "reassign" it, but I don't seem to find any information about that.

TIA

Personal Finance Deals
selling car - is cash the only way to be paid safely?
Added on : Thursday November 14th 2013 07:00:10 AM
g: 0 Posted By: bxd20
Views: 114 Replies: 5 I have a carfor sale on AutoTrader. I have an interested buyer who lives 300 miles away and has made me an offer, pendingseeing it. He is willing to drive to come see it, and buy it on the spot if it's to his liking. (This is a slightly rare car that has a loyal enthusiast base, I myself drove more than 300 miles when I purchased it, just to get the transmission/wheel/color options I wanted. So there's nothing fishy about him driving a few hours.)

I've read a lot of FW threads, and I believe the only way to guarantee I don't get ripped off as the seller, is to meet him at a local bank, where he withdraws the money in front of me. And preferably, if I have an account at that bank, I can immediately deposit it. Or drive down the street and get it into a bank ASAP.

I see a few banks that are located both in his area, and mine, so this seems doable. Unless he tells me he doesn't have accounts at any of those banks.

I think my only specific question here is: I read people say the seller should insist on cash from the teller. Why do I have to request cash? Isn't a bank check just as safe? Meaning, I would accompany him to a local office, and they would hand me a check. At that point, the money has been deducted from his account if I understand things correctly, and there's no way for him to reverse it or put a stop on it, is there? I don't want to sound dumb asking for around $23,000 in cash if they both (the teller and the buyer) are saying "the check is safe", and I'm standing there not knowing who to trust.

Thank you!
Personal Finance Deals
Best Ways To Churn At this Point...
Added on : Thursday November 14th 2013 05:00:16 AM
g: 0 Posted By: justignoredem
Views: 101 Replies: 2 Hello FWers. I'm looking for some advice from people. Namely, these questions:
1) Should I get more credit cards (Or will it hurt my credit too much?)
2) Which Credit Cards Should I get? (To Maximize churn, good starting bonus, etc)
3) Should I get any with annual fees that I have been avoiding like the plague?

Situation:
I am looking for more ways to churn money as possible. As of right now, I have stuck with nothing but No annual fee, rotating 5% category credit cards. These have been incredibly lacking lately. Apparently they are playing a game for the last year called "Match what the other is doing!", thus making them insignificant to having multiple (aside from being able to put more into the category). I want to maximize as much different revenue from all categories as possible. At the same time, I don't wantrandom cards for 1 tiny category that I barely contribute anything to - especially if it has an annual fee tacked on to it. While I don't want to HURT my credit, I'm not at a point where I think I can hurt it too much either. I have 0 loans under my belt (including college), 0 mortgage, but ~4 years experience with credit cards and 0 late fees. I do not pay interest on anything.

The other day we decided to buy $2k for wooden flooring replacement. I had nothing to do other than get a measly 1% out of it. I felt bad getting so little out of that. We just got back from a trip where we had to spend on hotels, I feel we don't get enough CashBack out of trips as well... For that, I was thinking the Marriott with 70k points, but that is an annual fee card.

Current Credit Cards:

Discover - Rotating 5% Categories
Chase - Rotating 5% Categories
Citi - Rotating 5% Categories
American Express, Costco - 3% Off Gas (Not used), 2% Travel (Use this for flights/hotels), 1% Else. Mostly this card I use for risky transactions, AMX is known for being the most reliable in helping
Bank of America, Cash Rewards - 3% Off Gas (Use this), 2% Off Groceries (Use this), 1% Else
Bank of America, Better Balance Rewards - Free $ Churn


Personal Life:
I'm in my mid 20's. I'm about to get married, my fiance has a mortgage that is entirely under her name. We have a lot of expenses coming up with the wedding, honey moon, and more. While we want to move, there currently is just no means to with our job situation. We hate the town, but we have excellent opportunity with our career. It's a mixed bag.

Anythign else, feel free to ask
Credit Deals
Predatory Credit Card Question
Added on : Wednesday November 13th 2013 10:00:09 AM
g: 0 Posted By: noelandres
Views: 130 Replies: 2 My father has a credit card that charges him about $25/month for some "fraud insurance". I noticed this charge a few months before and told him to cancel that, since credit card are supposed to have fraud protection by default, otherwise no one would have one (correct me if I'm wrong).

When he calls to cancel, they give him some BS about not being able to. Unfortunately, he has a big balance, and thus can't just cancel the credit card. I guess he could do a balance transfer and cancel the credit card then.

I asked if he remembers signing up for this "service" and he can't tell me if he did or not. I think they have charged him like $500 total for this service. My questions are:

- What is the best way to proceed?
- Can he ask for his $500 back? I think I read of a class action lawsuit against a credit card company for doing this exact same thing (if my memory is correct). Maybe he can sue them?

Thanks for the help.
Credit Deals
g: 0 Posted By: adorable
Views: 1723 Replies: 0 Price match this week to Microcenter stores selling this for $260. Front of WalMart ad this week says save $25 when you apply for WalMart credit card and spend $75 today.

Thus, $299 price matched to $260 - $25 savings when you open a new WalMart Credit Card and spend $75+ same day = $235!!! for a brand-new Windows 8.1 8" tablet that rates 4+/5 stars on Amazon and has most everything you'd want except a microHDMI connector.

Android/Apple tablets - lots of apps in their store, limited fuctionality beyond the games and apps (ie. no Office, can't run desktop apps, etc.) Windows 8.1 8" tablets - uTorrent, YouTube, Flash video sites, all banking and trading sites, Java apps, etc. - all run on this.

http://www.microcenter.com/product/422081/BELL8-PRO81_Tablet_Pro... $259.99
http://www.walmart.com/ip/Dell-Venue-8-Pro-with-WiFi-8-Touchscre... $299
http://www.walmart.com/cp/Credit-Cards/632402 (also on front of this week's ad 10th to 16th)
Windows Tablets Deals

Walmart Coupons
g: 0 Posted By: adorable
Views: 0 Replies: 0 Price match this week to Microcenter stores selling this for $260. Front of WalMart ad this week says save $25 when you apply for WalMart credit card and spend $75 today.

Thus, $299 price matched to $260 - $25 savings when you open a new WalMart Credit Card and spend $75+ same day = $235!!! for a brand-new Windows 8.1 8" tablet that rates 4+/5 stars on Amazon and has most everything you'd want except a microHDMI connector.

Android/Apple tablets - lots of apps in their store, limited fuctionality beyond the games and apps (ie. no Office, can't run desktop apps, etc.) Windows 8.1 8" tablets - uTorrent, YouTube, Flash video sites, all banking and trading sites, Java apps, etc. - all run on this.
g: 0 Posted By: VivYip
Views: 34 Replies: 0 This is going to be a sorta experimental thread for black november (source )

coupon codes expire 11/11/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
monitor/sound stuff
$65.99 LG 3D WiFi Built-in Blu-ray Player BP335W
$79.99 SONY HT-CT60 2.1 Soundbar with Subwoofer(refurb
$149.99 SONY STRDH520B 7.1-Channel 3D A/V Receiver (refurb
$399 Polk Audio SurroundBar 5000 IHT 31" High Performance Surroundbar With Wireless Subwoofer System
$299.99 Acer HN274HBBmiiid Black 27" 2ms HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 100,000,000:1 Built-in Speakers
$269.99 Sony 1000W 5.1 3D Smart Blu-ray Home Theater SYstem - BDVN790W(refurb)
$797.99 Samsung 50" Class (49.5" Diag.) 1080p 60Hz LED HDTV UN50EH5300FXZA

storage/motherboard
$54.99 after $10 MIR(exp 11/13/13) GIGABYTE GA-970A-D3P AM3+/AM3 AMD 970 SATA 6Gb/s USB 3.0 ATX AMD Motherboard
$99.99 after coupon code 1105GAMES23 AMD FX-4300 Vishera 3.8GHz (4.0GHz) Socket AM3+ 95W Quad-Core Desktop Processor FD4300WMHKBOX
$169.99 after coupon code 1105GAMES32 and $20 MIR(exp 11/13/13) GIGABYTE GA-Z87X-UD5H LGA 1150 Intel Z87 HDMI SATA 6Gb/s USB 3.0 ATX Intel Motherboard with UEFI BIOS

writers/media/small memory
$8.99 PNY 16GB Secure Digital High-Capacity (SDHC) Flash Card Model P-SDH16G10H-GE(0.99s/h)(prefer <$8, but that's me)
$14.99 Toshiba 32GB Micro SDHC Flash Card Model PFM032U-1DAK(0.99s/h)

cooling unit/fans(?)
$3.99 Rosewill RFX-100 90mm Case Fan
$29.99 after $20 MIR(exp 11/11/13) Thermaltake Frio Overclocking-Ready Intel Core i7 (six-core ready) & i5 Compatible Five 8mm Heatpipes Dual 120mm Fans Intel & AMD Universal CPU Cooler CLP0564

network(?)

video card
$59.99 after $30 MIR(exp 11/20/13) PowerColor AX7750 1GBD5-DH Radeon HD 7750 1GB 128-bit GDDR5 PCI Express 3.0 x16 HDCP Ready Video Card
$89.99 after $25 MIR(exp 11/11/13) MSI N650TI-1GD5/V1 GeForce GTX 650 Ti 1GB 128-bit GDDR5 PCI Express 3.0 HDCP Ready Video Card(+$75 value)
$309.99 after $20 MIR(exp 11/15/13) SAPPHIRE 21197-00-40G Radeon HD 7970 3GB 384-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card(+3 game)

computer case
$24.99 after $10 MIRl(exp 11/21/13) Rosewill REDBONE Black SECC Steel ATX Mid Tower Computer Case
$44.99 Rosewill R379-M Black/ Silver 0.8mm SGCC Steel Slim MicroATX Computer Case with ATX12V Flex 300W Power Supply
$24.99 after coupon code 1105GAMES15 and 15 mIR(exp 11/11/13) RAIDMAX Blade ATX-298WR Black/Red Steel / Plastic ATX Mid Tower Computer Case
$49.99 IN WIN GT1 Black SECC Steel ATX Mid Tower Computer Case
$109.99 afer $10 MIR(exp 11/30/13) Corsair Obsidian Series 550D Black Aluminum / Steel ATX Mid Tower Computer Case
$159.99 after coupon code EMCWWXM29 and $30 MIR(exp 11/11/13) Thermaltake Level 10 GT (VN10001W2N) Black Steel SECC / Plastic ATX Full Tower Computer Case with Four Fans-1x 200mm Colorshift side fan, 1x 200mm Colorshift top fan, 1x 200mm Colorshift front fan and 1x 140mm rear fan

power supply
$49.99 after coupon code 1105GAMES46 Rosewill CAPSTONE-450-M 450W Continuous @ 50C, Intel Haswell Ready, 80 PLUS GOLD, ATX12V v2.31 & EPS12V v2.92, SLI/CrossFire Ready, Modular Active PFC Power Supply
$34.99 after $20 MIR(exp 11/11/13) CORSAIR CXM series CX500M 500W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$39.99 after coupon code 1105GAMES18 and $20 MIR(exp 11/11/13) RAIDMAX Blackstone series RX-700AC 700W Continuous Power ATX12V V2.3 / EPS12V V2.91 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$59.99 after $20 MIR(exp 11/11/13) CORSAIR Enthusiast Series TX650 650W ATX12V/EPS12V 80 PLUS BRONZE Certified Active PFC High Performance Power Supply
$59.99 after $10MIR(exp 11/11/13) Thermaltake Tough Power TP-750P 750W ATX 12V 2.3 & SSI EPS 12V 2.92 SLI Ready CrossFire Ready 80 PLUS GOLD Certified Active PFC Power Supply
$84.99 afer coupon code 1105GAMES43 and $15 MIR(exp 11/26/13) Rosewill FORTRESS-650 650W Continuous @50C, Intel Haswell Ready, 80 PLUS PLATINUM, ATX12V v2.31 & EPS12V v2.92, SLI/CrossFire Ready, Active PFC Power Supply
$129.99 after coupon code 1105GAMES17 and 20 MIR(exp 11/11/13) SeaSonic Platinum SS-860XP2 860W ATX12V / EPS12V SLI Ready CrossFire Ready 80 PLUS PLATINUM Certified Full Modular Active PFC Power Supply New 4th Gen CPU Certified Haswell Ready
$99.99 after coupon code 1105GAMES44 and 20 MIR(exp 11/25/13) Rosewill SilentNight-500 500W Continuous @50C, Intel Haswell Ready, 80 PLUS PLATINUM, ATX12V v2.31 & EPS12V v2.92, SLI/CrossFire Ready, Fan-less Active PFC Power Supply
$99.99 after $30 MIR(exp 11/11/13) XFX P1-850B-BEFX 850W ATX12V 2.2 & ESP12V 2.91 SLI Ready CrossFire Ready 80 PLUS GOLD Certified Full Modular Active PFC Power Supply

computer accesories
$5.99 Rosewill RHB-220W 4-port USB Hub - White
$18.99 Creative Sound Blaster Audigy SE 7.1 Channels 24-bit 96KHz PCI Interface Sound Card - OEM
$15.99 after coupon code 1105GAMES39 Rosewill RX35-AT-SU SLV Aluminum 3.5" Silver USB 2.0 External Enclosure
$29.99 after $20 MIR(exp 11/11/13) DIAMOND USB 2.0 HD Game Console Video Capture Device GC500 USB 2.0 Interface
$58.39 IOGEAR GCS634U MiniView USB KVM Switch with audio and cables
$99.99 Creative Labs Sound Blaster Zx soundcard
$99.99 AVerMedia Game Broadcaster HD - Record and Stream Gameplay up to 1080p C127 PCI-Express Interface

software/game
$4.99 Sid Meier's Ace Patrol: Pacific Skies-Online Game Code
$4.99 Sid Meier's Civilization 5 - Scrambled Nations Map Pack-Online Game Code

small stuff
$8.99 Rosewill RPCT-10001 32-Piece Precision Screwdriver w/ Bit Set
$19.99 afterc $25 MIR(exp 11/11/13) ZALMAN Ultra Slim, Ultra Quiet Notebook Cooler Model NC2000NT (BLK)
$9.99 after coupon code 1105GAMES12 Coboc MHH-15 15 ft. High Speed HDMI Male to Mini HDMI Male Cable with Ethernet, M-M
$8.99 after coupon code 1105GAMES11 Coboc MHH-10 10 ft. High Speed HDMI Male to Mini HDMI Male Cable with Ethernet, M-M
$9.99 after coupon code 1105GAMES8 Silver White Kanex iAdapt V2 Mini DisplayPort to HDMI Adapter w Audio

other
$9.99 after coupon code 1105GAMES1 Timbuk2 Black/Gunmetal Crater Laptop Sleeve for MacBook Air 13N Model 393-13N-6023
$45.99 after coupon code 1105GAMES2 Mobile Edge Gray Stylish Laptop Cases Model NEBP2
$15.99 after coupon code 1105GAMES4 Case Logic Tannin 16" Laptop Case Model VNC-216
$12.99 Sony MDR-ZX300 ZX Series Stereo Headphone - Red(refurb
$19.99 after coupon code 1105GAMES3 Eco Style Black/Red Sports Vortex Backpack Model EVOR-BP16-CF
$19.99 after coupon code 1105GAMES41 Rosewill RTK-007 Cable Tester - Pro
$26.99 Rosewill RME-SCCYRB01 Premium 4320 Joules Power Surge Protector with RJ11 and Coax Protection
$41.99 RAVPower External Wireless Mobile File Transfer WiFi Disk & 3000mAh Power Bank for Tablet PC & Smartphones
$39.99 AZIO GH808 USB Connector Circumaural Gaming Headset
$34.99 after coupon code 1105GAMES38 Rosewill R2-JBOD Aluminum 3.5" USB 2.0 DUAL-BAY External Enclosure
$17.99 after coupon code 1105GAMES6 Vantec Black 5200 mAh Power Cube 5200 mAh Power Bank VAN-520BB-BK
$36.99 after coupon code 1105GAMES7 UNU Enerpak Vault Black 11000 mAh Dual Port Battery Pack PB-01-11000BS
$44.99 SteelSeries Flux 3.5mm Connector Supra-aural Gaming Headset
$54.99 RCA RTS736W 3 CH 30" WiFi Streaming Soundbar (refurb)
$279.99 PLANAR PT1545R (997-5967-00) Black 15" Dual serial/USB 5-wire Resistive Touchscreen Monitor 200 cd/m2 500:1 Built-in Speakers(8.99s/h)
$479.99 after coupon code 1105GAMES20 Sony Xperia ZL C6506 Black 4G LTE Quad-Core 1.5 GHz 16GB Unlocked Cell Phone

promoted

Thank you for reading.
Computers Deals

Newegg Coupons
Avoiding Obamacare in 2014 by signing up for insurance by 12/15/13
Added on : Wednesday November 06th 2013 10:00:04 PM
g: 0 Posted By: sitz121
Views: 4 Replies: 0 Most carriers are ending policies that don't comply with Obamacare on 12/31/13, which will require people who buy insurance after that date to buy a compliant (and thus more-expensive plan.)

Possible Loophole: Buy a non-compliant policy from certain companies by 12/15/13 and it should be good until 12/31/14. Be careful though to buy one that will not terminate on 12/31/13. As best I can tell, all post 3/15/2010 plans from any provider who is now on the Exchanges will terminate. ("Covered California, the state's health care marketplace, required companies selling policies on its exchange to terminate all non-grandfathered policies by Dec. 31")

The only non-ACA company I found was Cigna http://www.cigna.com/individuals-families/health-insurance-marketplacewhich explains, "Not ready to shop for a new 2014 plan? If you have or want to enroll in a 2013 Cigna plan and do so by December 15, 2013, you can keep it through December 31, 2014. After that, we can help you enroll in a new plan." Online quote:https://cignaindividual.com/public/Quoting/Individual/EnterQuoteCriteria.aspx

Also, of course if you qualify for low-income subsidy you're probably better off on the exchanges.

Thoughts? Anyone know any other companies that this trick will work on in California?
Discussion Deals
Mohu Leaf Ultimate Bundle $49.86 @ Sam's Club
Added on : Monday November 04th 2013 11:00:04 AM
g: 0 Posted By: scatti
Views: 97 Replies: 0 Mohu Leaf Ultimate Bundle $49.86@Sam's Club
$49.86 + shipping or FREE store Pick-up
http://www.samsclub.com/sams/leaf-ultimate-bundle-mh-004026/prod10250104.ip?sprodId=prod10250104

Multi-directional; no pointing needed

Pull channels from up to 50 miles away
Full 1080 HDTV resolution
USB or AC powered
16 ft. coaxial cable
Lightweight stand
15dB gain amplifier

Reversible, paintable and easy to install.

The Leaf Ultimate features the same antenna design as the original Leaf, but includes a sophisticated digital TV amplifier with a low noise filter and one-of-a-kind RF filtering. The result is the ability to pull in channels from up to a staggering 50 miles away in full 1080 HDTV resolution (depending on the location of your home, office or vehicle in relation to the TV broadcast towers and the topography of your area, go to www.gomohu.com to utilize our channel finder locator).The Ultimate can be powered via a supplied USB cable plugged directly into your TV--thus drawing power only when the TV is on--or by standard AC wall outlet (USB to AC Adapter included).

The Mohu Leaf Stand is a compact, lightweight mount used to secure your Leaf antenna onto the back edge of a flat surface, such as an HDTV. The Stand makes it easier to hide the antenna in the cabinet of your entertainment center or to place it directly on top of your HDTV. It comes with two strong adhesive tabs that won't leave marks or residue on the surface of your furniture or television. The Leaf Antenna was designed by experienced antenna engineers who have been designing antennas for the US military for years (see our sister company GreenWave Scientific).
Electronics Deals

Sams Club Coupons
LEGO Ninjago Garmatron 70504 $25.49 FSSS AMAZON
Added on : Saturday November 02nd 2013 12:00:04 PM
g: 0 Posted By: iLetTheDogsOut
Views: 161 Replies: 0 http://www.amazon.com/LEGO-6024740-Ninjago-Garmatron-70504/dp/B0...

Lowest price on tres camel thus far

Legos. other than stepping on them barefoot
Toys Deals

Amazon Coupons
g: 0 Posted By: noelandres
Views: 8 Replies: 0 My 2 year contract ended recently and I was looking for options with Verizon Wireless. The reason I'm not happy with my current situation is that I have a smartphone, and thus pay the $29,99 for data. That was fine during the 2 year contract because the smartphone cost is subsidized through that high data plan charge. But now, after 2 years, the phone is paid off. And I don't feel like paying the $29.99 for data anymore.

I saw that they have this new Share Everything Plan going on. The price for a 2GB contract is $100/month ($40 for unlimited minutes/text, and $60 for 2GB of data). But they also have the following prepaid plans:

$60/month for unlimited minutes/text and 2GB of data
$70/month for unlimited minutes/text and 4GB of data.


I just don't get it. How is it that the plans with no contract are cheaper than the ones with contract? Am I missing anything here?
g: 0 Posted By: guapo131
Views: 62 Replies: 1 So Im about to get married and due to our family situations, we are going to have to pay for the wedding by ourselves. (honeymoon will likely be a gift)

Im not exactly sure how much the wedding is going to cost, but we are certainly looking at >$10k. I dont really have that kind of money right now. Actually, I have approximately that much money in reserve (rainy day- lose my job reserve), but that money should really be kept for its original purpose. Fortunately, I have good credit (credit karma score 776). My plan is to get a 0% intro rate credit card and charge all wedding related expenses to that, and simultaneously pay off the balance over that intro period. I have been getting some Citi Simplicity credit card targeted offers in the mail that seems to fit the goal. 0% intro rate on purchases for 21 months. Also, fortunately, I already have 2 credit cards with Citi with some good already established credit limits. Citi Thank You: $12500 and Citi Dividend: $7500.

When I apply for the Citi Simplicity card, they are probably not going to give me a credit limit of $10k to $20k to meet my goal of covering the entire wedding expenses. Lets assume they start me off around $4k. Ive heard that you can get them to transfer some of your credit limit from one card over to another card. I think my goal would be to have Citi transfer $7500 from the Thank You card and $2500 from the Dividend card to give me an additional $10k on the Simplicity card. Thus a total of ~$14k limit on the Simplicity and $5k and $5k limits on the Thank You and Dividend cards.

Once I pay off the Simplicity card in 21 months, my plan is to cancel that Simplicity card (since it is the youngest card, and I dont need it long term.) I would then want to transfer as much of that credit limit back over to my Thank You and Dividend cards.

Question: How do I get Citi to do all these transferring of credit limits? Is my plan workable? Any advice?

I dont like the idea of doing a 0% balance transfer from one card to another (citi to citi, or any of my other amex/chase/cards) because of the 3% balance transfer fee. First, the wedding charges will not all come at one specific point/month. So then I would be carrying a balance for a while before I transferred, racking up interest. Second, the 3% fee (or 4%) is a big chunk of money (3% of $10k is $300).
Credit Deals
g: -2 Posted By: MFKC
Views: 536 Replies: 2 3% FatCash
Free Ship

Whether nestled atop a TV stand, mounted to the wall, or held up by your least favorite kid-brother, this sound bar pipes in crystal-clear sound without the help of any additional speakers. Sonic enthusiasts get quick access to resonant bass thanks to one-cable setup. Once it's fired up, use the built-in, easy-to-read display or included remote to adjust the volume and control the inputs.

Groupon Goods Link

Model number: SB4020M-A0
Crystal-clear sound
Up to 95dB of sound
Deep, resonant bass
Dolby Digital, SRS TruSurround HD and SRS TruVolume technology
Easy-to-read display and remote
Connects to TV with one cable
Dimensions (with stand): 40.12"x2.07"x4.12"
Condition: manufacturer refurbished

Headphones & Speakers Deals

Groupon Coupons
g: -1 Posted By: MFKC
Views: 302 Replies: 2 3% FatCash
Free Ship

Whether nestled atop a TV stand, mounted to the wall, or held up by your least favorite kid-brother, this sound bar pipes in crystal-clear sound without the help of any additional speakers. Sonic enthusiasts get quick access to resonant bass thanks to one-cable setup. Once it's fired up, use the built-in, easy-to-read display or included remote to adjust the volume and control the inputs.

Groupon Goods Link

Model number: SB4020M-A0
Crystal-clear sound
Up to 95dB of sound
Deep, resonant bass
Dolby Digital, SRS TruSurround HD and SRS TruVolume technology
Easy-to-read display and remote
Connects to TV with one cable
Dimensions (with stand): 40.12"x2.07"x4.12"
Condition: manufacturer refurbished

Headphones & Speakers Deals

Groupon Coupons
LG - 30" Stainless Electric Convection Range - $650 from $999 - LRE3023ST
Added on : Thursday October 31st 2013 05:00:03 AM
g: 0 Posted By: supadupamikey
Views: 66 Replies: 0 http://www.bestbuy.com/site/30-self-cleaning-freestanding-electric-convection-range/4844776.p?id=1218548288013&skuId=4844776&st=LRE3023ST&cp=1&lp=1

Been looking for a range for the past few months and this is by far the best deal. Wanted LG, stainless, and convection specifically. This is the older model that's being discontinued and thus the cheaper price; the newer model is the LRE3083ST. The older model says "fan convection", the newer model says "true convection." The fan system looks identical, just a new name it seems. The other feature the newer model has is EasyClean which supposedly you put a pot of water inside, turn on the clean cycle and then just wipe off the grime. Both ranges have the normal "self-clean" cycles common on all ranges. All other controls, displays, colors, features, burners, racks, etc, etc are identical. Both retail at $999, this one is $650 currently and the newer model is on sale for $899 currently.

Consumer Reports rated this older model the LRE3023S as 3rd in their list with a high score of 86 (87 being the highest). Reviews are pretty much solid 5 stars at BBY and LG's webpage. Doesn't appear on HD/Lowes/Sears pages so they either don't sell it or its been discontinued already.

Looks like a solid deal to me and I ordered. Kinda surprised I stumbled across it on BBY's page and didn't find it here or elsewhere...
Appliance Deals

Best Buy Coupons
g: 3 Posted By: VivYip
Views: 537 Replies: 0 This is going to be a sorta experimental thread for 10/31

coupon codes expire 11/6/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$169.99 MartinLogan MLT-2 5.1 CH Premium Home Theater Speaker System Black System
$129.99 after coupon code EMCWXTW47 and $20 MIR(exp 10/31/13) ASUS VS Series VS247H-P Black 23.6" 2ms LED Backlight Widescreen LCD Monitor 300 cd/m2 50000000:1 (ASCR)
$189.99 after coupon code EMCWXTW56 Hanns-G HL273HPB Black 27" 2ms HDMI Widescreen LED Backlight LCD Monitor (WLED) 250 cd/m2 50,000,000:1 Built-in Speakers
$229 ASUS VivoTab RT TF600T - NVIDIA Tegra 3 Quad Core, 2GB DDR3 32GB Flash Storage 10.1" Windows 8 RT Tablet - Gray (TF600T-B1-GR)(+dock)


storage
$159.99 SanDisk Ultra Plus SDSSDHP-256G-G25 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD) for Notebook
$69.99 after coupon code EMCWXTW49 Seagate GoFlex Satellite 500GB Mobile Wireless Storage (Black)
$14.99 after coupon code EMCWXTW24 SAMSUNG DVD Burner 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM SATA Model SH-224DB/BEBE - OEM
$179.99 after coupon code EMCWXTW22 WD Red WD40EFRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" NAS Internal Hard Drive -Bulk
$119.99 after coupon code EMCWXTW32 Seagate SV35 Series ST3000VX000 3TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW33 Seagate Solid State Hybrid ST1000LM014 1TB 64MB Cache 2.5" SATA 6.0Gb/s Laptop Hard Drive -Bare Drive
$49.99 after coupon code EMCWXTW34 WD Blue WD5000LPVX 500GB 5400 RPM 8MB Cache SATA 6.0Gb/s 2.5" Internal Notebook Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW53 SAMSUNG D3 Station 3TB USB 3.0 Black External Hard Drive STSHX-D301TDB
$129.99 after coupon code EMCWXTW54 WD My Passport Ultra 2TB USB 3.0 Black Portable Hard Drive WDBMWV0020BBK-NESN
$7.74 after coupon code EMCWXTW86 and $5 MIR (exp 11/6/13) ADATA DashDrive UV128 16GB Flash Drive Model AUV128-16G-RBE
$8.44 after coupon code EMCWXTW87 Kingston DataTraveler SE9 16GB USB 2.0 Flash Drive Model DTSE9H/16GBZ
$38.39 after coupon code EMCWXTW84 Team Xtreem 64GB MicroSDXC Flash Card With Card Reader Model TUSDX64GUHS05(prefer <$32, so avoid)
$6.59 after coupon code EMCWXTW88 Kingston DataTraveler 100 G3 8GB USB 3.0 Flash Drive Model DT100G3/8GB(prefer <$5, so avoid) (0.99s/h)



cooling unit(?)
$44.99 after $10 MIR (Exp 11/6/13) CORSAIR Hydro Series H55 Quiet Edition Water / Liquid CPU Cooler. 120mm

network(?)
$19.99 after coupon code EMCWXTW48 and $10 MIR (12/31/13) NETGEAR 5 Port Gigabit Business-Class Desktop Switch - Lifetime Warranty (GS105)
$49.99 after coupon code EMCWXTW62 and $10 MIR (exp 11/6/13) ZyXEL Residential Cable Modem Compatible with Comcast Network (BRG35503)
$24.99 after coupon code EMCWXTW59 Rosewill N900PCE Wireless N Dual Band Adapter IEEE 802.11a/b/g/n PCI Express Up to 450Mbps Wireless Data Rates Support 64/128 bit WEP, WPA-PSK/WPA2-PSK, 802.1X
$38.99 after coupon code EMCWXTW63 BUFFALO AirStation HighPower N300 Wireless Router - WHR-300HP
$19.99 after coupon code EMCWXTW64 EDIMAX BR-6258n IEEE 802.11b/g/n Wireless Nano Size Multi-purpose Travel Router/ Range Extender/ Universal Adapter, Small Size Easy To Carry, iQ-Setup for Hassel Free Installation, and Power Fed by PC/Laptop USB port Supported


video card
$379.99 after $10 MIR(exp 11/3/13) EVGA GeForce GTX 770 DUAL SuperClocked 4GB 256-bit GDDR5 PCI Express 3.0 SLI Support Video Card 04G-P4-3774-KR (+3 games)
$259.99 after $20 MIR(exp 11/6/13) MSI R7950 TF 3GD5 BE Radeon HD 7950 3GB 384-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card (+3 games)
$14.99 after $10 MIR(exp 11/15/13) SAPPHIRE Radeon HD 5450 1GB 64-bit DDR3 PCI Express 2.1 x16 HDCP Ready Low Profile Ready Video Card ( 100292DDR3L)

computer case
$104.99 after coupon code EMCWXTW43 and 25 MIR(exp 11/6/13) NZXT Phantom PHAN-001WT White Steel / Plastic Enthusiast ATX Full Tower Computer Case
$19.99 Antec NEW SOLUTION SERIES VSK-4000 Black SGCC steel ATX Mid Tower Computer Case

power supply
$129.99 after $40 MIR(exp 11/6/13) Cooler Master Silent Pro Gold - 1000W Power Supply with 80 PLUS Gold Certification and Semi-Modular Cables
$69.99 after coupon code EMCWXTW38 and $20 MIR(exp 11/6/13) CORSAIR TX Series CMPSU-750TX 750W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Active PFC Compatible with New 4th Gen CPU Certified Haswell Ready
$64.99 after coupon code EMCWXTW39 and $15 MIR(exp 11/6/13) RAIDMAX RX-835AP 835W ATX 12V v2.3/EPS 12V SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Full Modular Power Supply
$24.99 after coupon code EMCWXTW42 and $10 MIR(exp 11/3/13) Thermaltake TR2 W0070 430W ATX12V v2.3 Power Supply


small stuff
$14.99 after coupon code EMCWXTW79 Rosewill RTK-045 45 Piece Premium Computer Tool Kit
$8.99 SCOSCHE Dual USB Home Charger GUSBH3B
$25.99 after coupon code EMCWXTW74 Verbatim 25GB 6X BD-R 25 Packs Spindle Disc Model 97457
$17.99 after coupon code EMCWXTW73 SONY 4.7GB 16X DVD-R 100 Packs Spindle Spindle Disc Model 100dmr47sp (0.99 s/h)
$22.99 after coupon code EMCWXTW75 Verbatim 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 95102 (0.99s/h)
$22.99 HooToo HT-UH002 SuperSpeed USB 3.0 4-Port Hub, 5V/2A Power Adapter, and USB Data Cable
$7.99 after coupon code EMCWXTW77 XIGMATEK 3.5" Internal 75 in 1 Card Reader 75 in 1 USB 2.0 Card Reader(1.99s/h)
$10.99 after coupon code EMCWXTW76 Cooler Master Sleeve Bearing 120mm Silent Fan for Computer Cases, CPU Coolers, and Radiators (Value 4-Pack)
$19.99 after coupon code EMCWXTW233 Rosewill RHAH-13001 1500W Quick Heat Ceramic Heater with safety tip over switch
$6.99 after coupon code EMCWXTW236 Mediasonic HomeWorX HW110AN ATSC Series Digital Flat Antenna
$10.99 after coupon code EMCWXTW239 SunSun Lighting A19 LED Light Bulb / E26 Base / 9.5W / 60W Replace / 800 Lumen / Dimmable / UL / 5000K / Cool White

(credit techbargains)
$24.99 after coupon code EMCWXTW69 Aposonic A-CMMI01 700 TV Lines MAX Resolution Day & Night Vision Indoor Dome Camera


other
$59.99 Call of Duty: Ghosts PS3 Game Activision (+$10GC)Xbox 360 versiontoo
$14.98 after coupon code EMCWXTW52 Malwarebytes Anti-Malware Lifetime 1 PC - OEM
$19.99 after coupon code EMCWXTW83 Rosewill RTCA-TN450 High Yield Black Toner Replaces Brother TN-450 TN450 TN-420 TN420
$37.99 after coupon code EMCWXTW234 Mediasonic HomeWorX HW150PVR ATSC HD converter box with recording, HDMI output
$24.99 after coupon code EMCWXTW235 Rosewill RHTB-11001 32" to 60" LCD LED Tilt TV Bracket Mount, Max. Load : 130 lbs , Max VESA 600 x 400mm
$199.95 StreetAudio On Ear Acoustic Monitor Headphones- Black (+$35GC)
$59.95 after coupon code EMCWXTW67 Sennheiser HD 239 3.5mm Connector On-Ear Stereo Headphone
$99.95 StreetAudio In Ear Acoustic Monitor Earbuds - Red (+$20GC)
$149.99 after coupon code EMCWXTW72 KGuard KG-OT401-4FW426A-500G 4 Channel DVR Security System & 4 Cameras 480 TVL with Smartphone and Tablet Remote viewing
$12.99 after coupon code EMCWXTW94 Acronis True Image 2013
$24.99 after coupon code EMCWXTW244 CyberLink PowerDirector 11 Ultra
$59 after coupon code EMCWXTW223 FUJIFILM instax mini 8 16273439 Instant Film Camera - Blue
$22.99 after coupon code EMCWXTW222 Case Logic Black 15.6" Laptop and Tablet Case Model DLC-115
$44.99 after coupon code EMCWXTW226 LG HBS-730 Black TONE+ Wireless Bluetooth Stereo Headset
$159.99 after coupon code EMCWXTW229 Shark NV356E Navigator Lift-Away Professional White
$21.99 after coupon code EMCWXTW238 Rosewill 7-sheet Cross-Cut Paper, Credit Card and Staples Shredder (RSH-407CB)


promoted
$119.99 after coupon code EMCWXTW23 G.SKILL Ripjaws X Series 16GB (2 x 8GB) 240-Pin DDR3 SDRAM DDR3 1600 (PC3 12800) Desktop Memory Model F3-1600C9D-16GXM


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
Computers Deals

Newegg Coupons
g: 2 Posted By: VivYip
Views: 355 Replies: 0 This is going to be a sorta experimental thread for 10/31

coupon codes expire 11/6/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$129.99 after coupon code EMCWXTW47 and $20 MIR(exp 10/31/13) ASUS VS Series VS247H-P Black 23.6" 2ms LED Backlight Widescreen LCD Monitor 300 cd/m2 50000000:1 (ASCR)
$189.99 after coupon code EMCWXTW56 Hanns-G HL273HPB Black 27" 2ms HDMI Widescreen LED Backlight LCD Monitor (WLED) 250 cd/m2 50,000,000:1 Built-in Speakers


storage
$159.99 SanDisk Ultra Plus SDSSDHP-256G-G25 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD) for Notebook
$69.99 after coupon code EMCWXTW49 Seagate GoFlex Satellite 500GB Mobile Wireless Storage (Black)
$14.99 after coupon code EMCWXTW24 SAMSUNG DVD Burner 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM SATA Model SH-224DB/BEBE - OEM
$179.99 after coupon code EMCWXTW22 WD Red WD40EFRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" NAS Internal Hard Drive -Bulk
$119.99 after coupon code EMCWXTW32 Seagate SV35 Series ST3000VX000 3TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW33 Seagate Solid State Hybrid ST1000LM014 1TB 64MB Cache 2.5" SATA 6.0Gb/s Laptop Hard Drive -Bare Drive
$49.99 after coupon code EMCWXTW34 WD Blue WD5000LPVX 500GB 5400 RPM 8MB Cache SATA 6.0Gb/s 2.5" Internal Notebook Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW53 SAMSUNG D3 Station 3TB USB 3.0 Black External Hard Drive STSHX-D301TDB
$129.99 after coupon code EMCWXTW54 WD My Passport Ultra 2TB USB 3.0 Black Portable Hard Drive WDBMWV0020BBK-NESN
$7.74 after coupon code EMCWXTW86 and $5 MIR(exp 11/6/13) ADATA DashDrive UV128 16GB Flash Drive Model AUV128-16G-RBE
$8.44 after coupon code EMCWXTW87 Kingston DataTraveler SE9 16GB USB 2.0 Flash Drive Model DTSE9H/16GBZ
$38.39 after coupon code EMCWXTW84 Team Xtreem 64GB MicroSDXC Flash Card With Card Reader Model TUSDX64GUHS05 (prefer <$32, so avoid)
$6.59 after coupon code EMCWXTW88 Kingston DataTraveler 100 G3 8GB USB 3.0 Flash Drive Model DT100G3/8GB(prefer <$5, so avoid) (0.99s/h)



cooling unit(?)
$44.99 after $10 MIR(Exp 11/6/13) CORSAIR Hydro Series H55 Quiet Edition Water / Liquid CPU Cooler. 120mm

network(?)
$19.99 after coupon code EMCWXTW48 and $10 MIR (12/31/13) NETGEAR 5 Port Gigabit Business-Class Desktop Switch - Lifetime Warranty (GS105)
$49.99 after coupon code EMCWXTW62 and $10 MIR (exp 11/6/13) ZyXEL Residential Cable Modem Compatible with Comcast Network (BRG35503)
$24.99 after coupon code EMCWXTW59 Rosewill N900PCE Wireless N Dual Band Adapter IEEE 802.11a/b/g/n PCI Express Up to 450Mbps Wireless Data Rates Support 64/128 bit WEP, WPA-PSK/WPA2-PSK, 802.1X
$38.99 after coupon code EMCWXTW63 BUFFALO AirStation HighPower N300 Wireless Router - WHR-300HP
$19.99 after coupon code EMCWXTW64 EDIMAX BR-6258n IEEE 802.11b/g/n Wireless Nano Size Multi-purpose Travel Router/ Range Extender/ Universal Adapter, Small Size Easy To Carry, iQ-Setup for Hassel Free Installation, and Power Fed by PC/Laptop USB port Supported


video card
$379.99 after $10 MIR(exp 11/3/13) EVGA GeForce GTX 770 DUAL SuperClocked 4GB 256-bit GDDR5 PCI Express 3.0 SLI Support Video Card 04G-P4-3774-KR (+3 games)
$259.99 after $20 MIR(exp 11/6/13) MSI R7950 TF 3GD5 BE Radeon HD 7950 3GB 384-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card (+3 games)
$14.99 after $10 MIR(exp 11/15/13) SAPPHIRE Radeon HD 5450 1GB 64-bit DDR3 PCI Express 2.1 x16 HDCP Ready Low Profile Ready Video Card ( 100292DDR3L)

computer case
$104.99 after coupon code EMCWXTW43 and 25 MIR(exp 11/6/13) NZXT Phantom PHAN-001WT White Steel / Plastic Enthusiast ATX Full Tower Computer Case
$19.99 Antec NEW SOLUTION SERIES VSK-4000 Black SGCC steel ATX Mid Tower Computer Case

power supply
$129.99 after $40 MIR(exp 11/6/13) Cooler Master Silent Pro Gold - 1000W Power Supply with 80 PLUS Gold Certification and Semi-Modular Cables
$69.99 after coupon code EMCWXTW38 and $20 MIR(exp 11/6/13) CORSAIR TX Series CMPSU-750TX 750W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Active PFC Compatible with New 4th Gen CPU Certified Haswell Ready
$64.99 after coupon code EMCWXTW39 and $15 MIR(exp 11/6/13) RAIDMAX RX-835AP 835W ATX 12V v2.3/EPS 12V SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Full Modular Power Supply
$24.99 after coupon code EMCWXTW42 and $10 MIR(exp 11/3/13) Thermaltake TR2 W0070 430W ATX12V v2.3 Power Supply


small stuff
$14.99 after coupon code EMCWXTW79 Rosewill RTK-045 45 Piece Premium Computer Tool Kit
$25.99 after coupon code EMCWXTW74 Verbatim 25GB 6X BD-R 25 Packs Spindle Disc Model 97457
$17.99 after coupon code EMCWXTW73 SONY 4.7GB 16X DVD-R 100 Packs Spindle Spindle Disc Model 100dmr47sp(0.99 s/h)
$22.99 after coupon code EMCWXTW75 Verbatim 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 95102 (0.99s/h)
$22.99 HooToo HT-UH002 SuperSpeed USB 3.0 4-Port Hub, 5V/2A Power Adapter, and USB Data Cable
$7.99 after coupon code EMCWXTW77 XIGMATEK 3.5" Internal 75 in 1 Card Reader 75 in 1 USB 2.0 Card Reader(1.99s/h)
$10.99 after coupon code EMCWXTW76 Cooler Master Sleeve Bearing 120mm Silent Fan for Computer Cases, CPU Coolers, and Radiators (Value 4-Pack)

other
$59.99 Call of Duty: Ghosts PS3 Game Activision (+$10GC)Xbox 360 versiontoo
$14.98 after coupon code EMCWXTW52 Malwarebytes Anti-Malware Lifetime 1 PC - OEM
$19.99 after coupon code EMCWXTW83 Rosewill RTCA-TN450 High Yield Black Toner Replaces Brother TN-450 TN450 TN-420 TN420
$199.95 StreetAudio On Ear Acoustic Monitor Headphones- Black (+$35GC)
$59.95 after coupon code EMCWXTW67 Sennheiser HD 239 3.5mm Connector On-Ear Stereo Headphone
$99.95 StreetAudio In Ear Acoustic Monitor Earbuds - Red (+$20GC)
$149.99 after coupon code EMCWXTW72 KGuard KG-OT401-4FW426A-500G 4 Channel DVR Security System & 4 Cameras 480 TVL with Smartphone and Tablet Remote viewing

promoted
$119.99 after coupon code EMCWXTW23 G.SKILL Ripjaws X Series 16GB (2 x 8GB) 240-Pin DDR3 SDRAM DDR3 1600 (PC3 12800) Desktop Memory Model F3-1600C9D-16GXM


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
Computers Deals

Newegg Coupons
g: 0 Posted By: VivYip
Views: 200 Replies: 0 This is going to be a sorta experimental thread for 10/31

coupon codes expire 11/6/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$129.99 after coupon code EMCWXTW47 and $20 MIR(exp 10/31/13) ASUS VS Series VS247H-P Black 23.6" 2ms LED Backlight Widescreen LCD Monitor 300 cd/m2 50000000:1 (ASCR)
$189.99 after coupon code EMCWXTW56 Hanns-G HL273HPB Black 27" 2ms HDMI Widescreen LED Backlight LCD Monitor (WLED) 250 cd/m2 50,000,000:1 Built-in Speakers


storage
$159.99 SanDisk Ultra Plus SDSSDHP-256G-G25 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD) for Notebook
$69.99 after coupon code EMCWXTW49 Seagate GoFlex Satellite 500GB Mobile Wireless Storage (Black)
$14.99 after coupon code EMCWXTW24 SAMSUNG DVD Burner 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM SATA Model SH-224DB/BEBE - OEM
$179.99 after coupon code EMCWXTW22 WD Red WD40EFRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" NAS Internal Hard Drive -Bulk
$119.99 after coupon code EMCWXTW32 Seagate SV35 Series ST3000VX000 3TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW33 Seagate Solid State Hybrid ST1000LM014 1TB 64MB Cache 2.5" SATA 6.0Gb/s Laptop Hard Drive -Bare Drive
$49.99 after coupon code EMCWXTW34 WD Blue WD5000LPVX 500GB 5400 RPM 8MB Cache SATA 6.0Gb/s 2.5" Internal Notebook Hard Drive Bare Drive
$99.99 after coupon code EMCWXTW53 SAMSUNG D3 Station 3TB USB 3.0 Black External Hard Drive STSHX-D301TDB
$129.99 after coupon code EMCWXTW54 WD My Passport Ultra 2TB USB 3.0 Black Portable Hard Drive WDBMWV0020BBK-NESN


cooling unit(?)


network(?)
$19.99 after coupon code EMCWXTW48 and $10 MIR(12/31/13) NETGEAR 5 Port Gigabit Business-Class Desktop Switch - Lifetime Warranty (GS105)


video card
$379.99 after $10 MIR(exp 11/3/13) EVGA GeForce GTX 770 DUAL SuperClocked 4GB 256-bit GDDR5 PCI Express 3.0 SLI Support Video Card 04G-P4-3774-KR (+3 games)
$259.99 after $20 MIR(exp 11/6/13) MSI R7950 TF 3GD5 BE Radeon HD 7950 3GB 384-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card (+3 games)
$14.99 after $10 MIR(exp 11/15/13) SAPPHIRE Radeon HD 5450 1GB 64-bit DDR3 PCI Express 2.1 x16 HDCP Ready Low Profile Ready Video Card ( 100292DDR3L)

computer case
$104.99 after coupon code EMCWXTW43 and 25 MIR(exp 11/6/13) NZXT Phantom PHAN-001WT White Steel / Plastic Enthusiast ATX Full Tower Computer Case
$19.99 Antec NEW SOLUTION SERIES VSK-4000 Black SGCC steel ATX Mid Tower Computer Case

power supply
$129.99 after $40 MIR(exp 11/6/13) Cooler Master Silent Pro Gold - 1000W Power Supply with 80 PLUS Gold Certification and Semi-Modular Cables
$69.99 after coupon code EMCWXTW38 and $20 MIR(exp 11/6/13) CORSAIR TX Series CMPSU-750TX 750W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Active PFC Compatible with New 4th Gen CPU Certified Haswell Ready
$64.99 after coupon code EMCWXTW39 and $15 MIR(exp 11/6/13) RAIDMAX RX-835AP 835W ATX 12V v2.3/EPS 12V SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Full Modular Power Supply
$24.99 after coupon code EMCWXTW42 and $10 MIR(exp 11/3/13) Thermaltake TR2 W0070 430W ATX12V v2.3 Power Supply


small stuff


other
$59.99 Call of Duty: Ghosts PS3 Game Activision (+$10GC) Xbox 360 versiontoo
$14.98 after coupon code EMCWXTW52 Malwarebytes Anti-Malware Lifetime 1 PC - OEM

promoted
$119.99 after coupon code EMCWXTW23 G.SKILL Ripjaws X Series 16GB (2 x 8GB) 240-Pin DDR3 SDRAM DDR3 1600 (PC3 12800) Desktop Memory Model F3-1600C9D-16GXM


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
Computers Deals

Newegg Coupons
UltraLight Portable Travel Hammock $34.99 @ www.walmart.com
Added on : Wednesday October 30th 2013 10:00:02 PM
g: 0 Posted By: jaymanthegreat
Views: 165 Replies: 0 UltraLight Travel Hammock$34.99

Item Description: What We Like About the UltraLight Travel Hammock
For starters, this hammock is an incredible value. You'll be hard pressed to find another lightweight travel hammock that matchesthis one in weight capacity,bed length and price.It's perfect for backpackers, hikers, and outdoor enthusiasts because it weighs so little and dries almost instantly. These are things any seasoned outdoorsman will appreciate. Crafted of lightweight, yet super tough polyester taffeta material, it resists mildew and holds up beautifully in any weather. Use it in even the most rugged environments with no worries, thanks to the rip-prevention pattern. With a stuff sack, S-Hooks, and hammock, you get everything you need at one low price. Plain and simple, this hammock is an excellent value and makes a great gift.Pack up your UltraLight Travel Hammock into the built-in stuff sack and embark on your next adventure! About The Travel Hammock Inc. The Travel Hammock Inc., now known as Grand Trunk, offers products that add to the enjoyment of outdoor enthusiasts. Established in 2002 out of Skokie, Ill., Grand Trunk's outdoor hammocks are perfect for camping, hanging out at the beach, or relaxing in the backyard.These colorful hammocks have been used all over the world and are built to withstand the toughest conditions. Made to be environmentally friendly, Grand Trunk's hammocks can be accessorized with the Tree Sling to elevate them even in the most difficult terrain. For high-quality, versatile hammocks, count on Grand Trunk.

Rip-prevention pattern for rugged use
Quick-dry material resists mildew and rot
Sized for 1 person; 250-lb. weight capacity
Bed dimensions: 9.5 ft. Lx 4.5 ft. W
Overall hammock length: 9.5 ft.
Hammock weighs just 10 oz.
Folds into an attached stuff sack
100% polyester taffeta, breathable material
Choose from several prints and patterns
S-hooks included

http://www.walmart.com/ip/UltraLight-Portable-Travel-Hammock/17469213
Sports & Outdoors Deals

Walmart Coupons
Taco Bueno - B1G1 Platter on Thusday 10/31
Added on : Wednesday October 30th 2013 04:00:02 PM
g: 0 Posted By: remick
Views: 202 Replies: 0 http://tacobueno.fbmta.com/members/ViewMailing.aspx?MailingID=21474865105&StoreCode=3195&_X=20HWoq4iAC8b0
Restaurants & Entertainment Deals
Small business idea for an elderly person. Need some help
Added on : Monday October 28th 2013 05:00:09 PM
g: 0 Posted By: unnamedny
Views: 0 Replies: 0 I'm looking for some help organizing a small business of selling my grandmother's paintings. She is 73 and she is very enthusiastic about it. She has been doing it for a few years now, and many of her friends really enjoy her paintings. In fact she won few competitions between multiple nursing homes (that's just a place where she took some painting classes, she is not in nursing home). Her painting class (more of a hobby club) teacher's told her she has certain amount talent. I'm going to post a few pictures of her art works so you can get an idea of what she draws and how interesting some paintings are. It's mostly an abstract, but also draws nature and naturmort. I can organize productions of wooden picture frames for her pictures. I have basic knowledge of woodwork and wood finishes which should be enough for initial push.

She is in good shape financially, but few extra bucks per week is not going to hurt her. Even if it just pays for materials, few hours of some of her work, it would be fine with me and her. My first question is, where to start?
Is there a way to find out how much could she sell her paintings for?
Where to sell it? I had an idea of eBay but it would be too complicated for her. We live in New York City and I was thinking about setting up a stand somewhere in Central park. (again, not sure how it works, any advice are appreciated). I was also thinking about fares and festivals, but it's probably cost money to have a stand there.

Thanks in advance.

g: 0 Posted By: vearpinar
Views: 203 Replies: 0 The Body has a full frame sensor and both lens have a very good performance according the reviews. If you are digital photography enthusiast, this can be a solid set. The all of them cost about$4171if you want to buy it one by one!!! ( you can get extra battery, bag, some rebate Cash Back points v.s.)
If you follow the procedure below, you can get the set about$1999.

Set includes:
Canon EOS 6D DSLR Camera (20.2MP Full-Frame CMOS Sensor) - 4.7 Star @ 291 Reviews - $1899
Canon 24-105mm f/4.0L IS USM AF Lens - 4.8 Star @ 1105 Reviews - $1149
Canon EF 70-300mm f/4-5.6 IS USM Lens - 4.5 Star @ 795 Reviews - $649
PIXMA PRO-100 Wireless Professional Inkjet Photo Printer - 4.7 Star @ 195 Reviews - $399
SG-201 Photo Paper Plus Semi-Gloss 13 x 19" (50 Sheets) - 4.7 Star @ 59 Reviews - $47
SanDisk - 16GB SDHC Extreme Class 10 UHS-1 Memory Card - 4.8 Star @ 12 Reviews - $28
*Star ratings are over 5 stars.

Math: $2638 - $400 (Mail in rebate) - $75 (Discover Cash Back 5% for online shopping ($1500 Cap)) - $11 (Discover 1% Cash Back for rest, hopefully) - $46 (Rebate site Cash Back) - $105 (B&H Photo rewards - it is not a Cash Back still it is a good perk) =~ $1999 effective

Procedure:
1. Search and find a rebate site that gives Cash Back for B&H Photo (I found one with 1.75% Cash Back)
2. Create account and log-in the rebate site. Click to B&H Photo site (For rebate site Cash Back)
3. Create and log-in your B&H Photo site (For B&H Photo rewards it will be activated after ~60 days you may use it for filters, bags, vs. )
4. Add The Kit (Linky)shopping cartand for 2nd Lens click the "Save $300 On Canon EF 70-300mm f/4-5.6 IS USM Lens"(You will get extra $300 discount for this combo)
5. Look at your cart. It will show Bundle Total: $2,636.00 also it will show SubTotal: $2,748.00 but do not worry since price will drop $2,636.00 in the final step.
6. Use your Discover card for payment to get 5% Cash Back (You have to sign in to %5 Cash Back for online shopping 1500$) and 1% for the rest.
7. Fill out the rebate form (Linky) and they will send $400 AmEx prepaid card.

If you do not need the printer, you can sell it on e-bay about $150.


SLR & dSLR Deals

B&H Photo & Video Coupons
g: 1 Posted By: VivYip
Views: 639 Replies: 0 This is going to be a sorta experimental thread for 10/25

coupon codes expire 10/31/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$149.99 after 20 MIR card (exp 10/31/13) ASUS VN248H-P Super Narrow Bezel Black 23.8" 5ms (GTG) HDMI Widescreen LED Backlight LCD Monitor IPS 80,000,000:1 Built-in Speakers
$149.99 Polk Audio Monitor70 Series II Floorstanding Loudspeaker (Black) Each
$129.99 Polk Audio Monitor40 Series II Two-Way Bookshelf Loudspeaker (Black) Pair
$169.99 after coupon code EMCWXVR94 CineRAID CR-H458 Hardware RAID 0, 1, 10, 3 and RAID 5, support 4 x 3.5" Hot Swappable Drive Bays USB 3.0 eSATA RAID SubSystem (+probox card)
$29.95 after coupon code EMCWXVR225 Polk Audio UltraFit 3000 In-Ear Canal Sports Headphones with iPod/iPhone Control and Mic (White/Orange)

(credit techbargains)
$249.99 after coupon code EMCWXVR57 Hanns-G HT231HPBU Black 23" Touchscreen Monitor Multi-Touch (10 points) 250 cd/m2 80000000:1 Built-in Speakers
$99.39 after coupon code EMCWXVR42 and$15 MIR card(exp 10/31/13) ASUS HD7770-2GD5 Radeon HD 7770 GHz Edition 2GB 128-bit GDDR5 PCI Express 3.0 x16 HDCP Ready CrossFireX Support Video Card
$159.99 after $20 MIR(exp 10/31/13) SAPPHIRE 100354OC-2L Radeon HD 7870 GHz Edition 2GB 256-bit GDDR5 PCI Express 3.0 x16 CrossFireX Support Video Card (+2 games)

storage
$69.99 after coupon code EMCWXVR62 TOSHIBA Canvio 3.0 Plus 1.5TB USB 3.0 Black Portable Hard Drive HDTC615XK3B1
$49.99 after coupon code EMCWXVR25 Seagate Barracuda ST500DM002 500GB 7200 RPM 16MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$149.99 after coupon code EMCWXVR59 Seagate Backup Plus 4TB USB 3.0 Black Desktop Hard Drive STCA4000100
$209.99 SAMSUNG 840 Pro Series MZ-7PD256BW 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD)
$64.99 after coupon code EMCWXVR22 Western Digital Red NAS Hard Drive WD10EFRX 1TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive
$69.99 after coupon code EMCWXVR63 Western Digital Elements 1TB USB 3.0 Black External Hard Drive WDBUZG0010BBK-NESN
$159.99 after coupon code EMCWXVR26 WD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drive
$379.99 Corsair Force Series GS CSSD-F480GBGS-BK 2.5" 480GB SATA III Internal Solid State Drive (SSD)
$89.99 Plextor M5P Series PX-128M5Pro 2.5" 128GB SATA III MLC Internal Solid State Drive (SSD)
$179.99 Seagate 600 Series ST240HM000 2.5" 240GB SATA III MLC Internal Solid State Drive (SSD)

cooling unit(?)
$14.99 after $5 MIR(exp 10/31/13) Cooler Master Hyper TX3 - CPU Cooler with 3 Direct Contact Heatpipes
$59.99 after $25 MIR (exp 10/31/13) Thermaltake CLW0217 Water 2.0 Extreme/All-In-One Liquid Cooling System

network(?)
$148.99 after coupon code EMCWXVR56 ASUS RT-N66U Dual-Band Wireless-N900 Gigabit Router, DD-WRT Open Source support, IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab
$124.99 after coupon code EMCWXVR69 D-Link DGS-1024D Unmanaged 10/100/1000Mbps Rackmountable Switch 24-Port Green Technology
$39.99 after coupon code EMCWXVR75 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort

computer case
$19.99 after coupon code EMCWXVR49 and $10 MIR(exp 10/31/13) RAIDMAX Tornado ATX-238WU Black/Blue SECC Steel ATX Mid Tower Computer Case
$69.99 after coupon code EMCWXVR53 and $20 MIR card(exp 11/8/13) Antec Nine Hundred Black Steel ATX Mid Tower Computer Case with Upgraded USB 3.0
$79.99 after coupon code EMCWXVR52 and $20 MIR (exp 10/31/13) NZXT Phantom PHAN-001BK Black Steel / Plastic Enthusiast ATX Full Tower Computer Case


power supply
$39.99 after couponc ode EMCWXVR48 and $20 MIR card (exp 10/31/13) Thermaltake TR2 TR-700 700W ATX 12V V2.3 & EPS 12V SLI Ready CrossFire Ready Active PFC Power Supply
$49.99 after coupon code EMCWXVR46 and $20 MIR (exp 10/31/13) CORSAIR CXM series CX600M 600W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$49.99 after coupon code EMCWXVR47 and $10 MIR card(exp 10/31/13) Rosewill HIVE Series HIVE-650 650W Continuous @40C, 80 PLUS BRONZE Certified, Modular Design, Single +12V Rail, ATX12V v2.31/EPS12V v2.92, SLI Ready, CrossFire Ready, Active-PFC Power Supply

small stuff
$4.99 Rosewill RPS-100 6 Outlets Power Strip 125V Input Voltage 1875W Maximum Power 3 Feet Cord Length
$6.99 after $5 MIR (exp 10/31/13) ADATA Classic Series C008 16GB Retractable USB 2.0 Flash Drive Model AC008-16G-RKD
$14.99 after coupon code EMCWXVR24 LG 24X DVD Burner - Bare Drive 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model GH24NS95 - OEM
$8.99 Rosewill 4.7GB 16X DVD+R 50 Packs Spindle Disc Model RCDM-10005 - OEM
$18.99 after coupon code EMCWXVR45 memorex 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 05641(0.99s/h)
$10.99 after coupon code EMCWXVR44 memorex 25GB 6X BD-R 15 Packs Spindle Blu-ray Recordable Media Model 98683
$7.99 after $10 MIR card(exp 10/31/13) SYBA SY-PEX40039 PCI-Express 2.0 SATA III (6.0Gb/s) Controller Card
$21.99 after coupon code EMCWXVR64 Logitech Wireless Mouse M310 (910-001675) Silver 3 Buttons 1 x Wheel USB RF Wireless Laser Mouse
$19.99 after coupon code EMCWXVR68 Rosewill RNWA-PoE-1000 PoE Injector
$10.99 after coupon code EMCWXVR72 Rosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1X
$24.99 after coupon code EMCWXVR73 Edimax EW-7438RPn 300Mbps Wireless 802.11/b/g/n Universal Wi-Fi Range Extender with iQ-Setup for Hassle Free Installation and Built-in Wall Plug Power Adapter Design to Conveniently Extend Wi-Fi Signal Coverage

other
$29.99 after coupon code EMCWXVR66 Symantec Norton Internet Security 2014 - 3 PCs (unless you REALLY need it, I would wait for FAR)
$19.99 after coupon code EMCWXVR237 ESET Smart Security 5 - 3 PCs
$99.35 after coupon code EMCWXVR67 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version - Download
$79.99 after coupon code and $10 MIR card (exp 10/31/13) D-Link DCS-5020L Cloud Wireless IP Camera, 640X480 Resolution, Pan/Tilt, Night Vision, Wi-Fi Extender, Sound and Motion Detection, mydlink enabled
$5.99 after coupon code EMCWXVR77 Kingston DataTraveler 101 Gen 2 8GB USB 2.0 Flash Drive (Red) Model DT101G2/8GBZ (0.99 s/h) (prefer <$4, so avoid)
$19.99 after $10 MIR (exp 10/31/13) ADATA Premier Pro 32GB Micro SDHC Flash Card w/Adapter Model AUSDH32GUI1-RA1(prefer <$16)
$39.99 after coupon code EMCWXVR78 CORSAIR Voyager Mini 64GB USB 3.0 Flash Drive Model CMFMINI3-64GB (prefer <$32)
$7.99 after coupon code EMCWXVR83 Rosewill RCR-IC001 40-in-1 USB 2.0 3.5" Internal Card Reader w/ USB Port / Extra Silver Face Plate
$99.99 iHome AirPlay Wireless Stereo Speaker System iW2BC
$11.99 after $8 MIR (exp 10/31/13) Collection LED A19 / 10 Watt / 75 watt Incandescent replacement / 905 lumen / Daylight / 5400k / 40,000 hr / 3 yr warranty(3.58s/h)
$16.99 after coupon code EMCWXVR226 Rosewill RLFL-11001 3W 220 Lumen Cree LED Aluminum Flashlight

(credit techbargains)
$44.99 after coupon code EMCWXVR99 [l=Accessory Power GOgroove FlexSMART X3 Bluetooth FM Transmitter with Enhanced Clarity Technology for Wireless Handsfree Calling, Audio / Music Playback, and USB Charging in Your Car or Vehicle

heavily promoted
$209.99 after coupon code EMCWXVR235 ASUS VE278H Black 27" 2ms (GTG) HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 ASVR 50000000:1 (1200:1) Built-in Speakers
$22.99 after coupon code EMCWXVR238 Accessory Power GOgroove GGSVBX0100BKEW Portable Stereo Speaker System for Apple iPhone 4 & 4S / Motorola RAZR MAXX / Samsung Galaxy S III, Nexus, Note / HTC One, EVO / LG Optimus 4X and More Smartphones
Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Hard Drives Deals

Newegg Coupons
g: 1 Posted By: VivYip
Views: 498 Replies: 0 This is going to be a sorta experimental thread for 10/25

coupon codes expire 10/31/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$149.99 after 20 MIR card(exp 10/31/13) ASUS VN248H-P Super Narrow Bezel Black 23.8" 5ms (GTG) HDMI Widescreen LED Backlight LCD Monitor IPS 80,000,000:1 Built-in Speakers
$149.99 Polk Audio Monitor70 Series II Floorstanding Loudspeaker (Black) Each
$169.99 after coupon code EMCWXVR94 CineRAID CR-H458 Hardware RAID 0, 1, 10, 3 and RAID 5, support 4 x 3.5" Hot Swappable Drive Bays USB 3.0 eSATA RAID SubSystem (+probox card)


storage
$69.99 after coupon code EMCWXVR62 TOSHIBA Canvio 3.0 Plus 1.5TB USB 3.0 Black Portable Hard Drive HDTC615XK3B1
$49.99 after coupon code EMCWXVR25 Seagate Barracuda ST500DM002 500GB 7200 RPM 16MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$149.99 after coupon code EMCWXVR59 Seagate Backup Plus 4TB USB 3.0 Black Desktop Hard Drive STCA4000100
$209.99 SAMSUNG 840 Pro Series MZ-7PD256BW 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD)
$64.99 after coupon code EMCWXVR22 Western Digital Red NAS Hard Drive WD10EFRX 1TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive
$69.99 after coupon code EMCWXVR63 Western Digital Elements 1TB USB 3.0 Black External Hard Drive WDBUZG0010BBK-NESN
$159.99 after coupon code EMCWXVR26 WD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drive
$379.99 Corsair Force Series GS CSSD-F480GBGS-BK 2.5" 480GB SATA III Internal Solid State Drive (SSD)
$89.99 Plextor M5P Series PX-128M5Pro 2.5" 128GB SATA III MLC Internal Solid State Drive (SSD)
$179.99 Seagate 600 Series ST240HM000 2.5" 240GB SATA III MLC Internal Solid State Drive (SSD)


network(?)
$148.99 after coupon code EMCWXVR56 ASUS RT-N66U Dual-Band Wireless-N900 Gigabit Router, DD-WRT Open Source support, IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab
$124.99 after coupon code EMCWXVR69 D-Link DGS-1024D Unmanaged 10/100/1000Mbps Rackmountable Switch 24-Port Green Technology
$39.99 after coupon code EMCWXVR75 D-Link Whole Home Router 1000 (DIR-645) Wireless N300, SmartBeam Coverage, Gigabit, USB SharePort

computer case
$19.99 after coupon code EMCWXVR49 and $10 MIR(exp 10/31/13) RAIDMAX Tornado ATX-238WU Black/Blue SECC Steel ATX Mid Tower Computer Case
$69.99 after coupon code EMCWXVR53 and $20 MIR card(exp 11/8/13) Antec Nine Hundred Black Steel ATX Mid Tower Computer Case with Upgraded USB 3.0
$79.99 after coupon code EMCWXVR52 and $20 MIR(exp 10/31/13) NZXT Phantom PHAN-001BK Black Steel / Plastic Enthusiast ATX Full Tower Computer Case


power supply
$39.99 after couponc ode EMCWXVR48 and $20 MIR card (exp 10/31/13) Thermaltake TR2 TR-700 700W ATX 12V V2.3 & EPS 12V SLI Ready CrossFire Ready Active PFC Power Supply
$49.99 after coupon code EMCWXVR46 and $20 MIR(exp 10/31/13) CORSAIR CXM series CX600M 600W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$49.99 after coupon code EMCWXVR47 and $10 MIR card (exp 10/31/13) Rosewill HIVE Series HIVE-650 650W Continuous @40C, 80 PLUS BRONZE Certified, Modular Design, Single +12V Rail, ATX12V v2.31/EPS12V v2.92, SLI Ready, CrossFire Ready, Active-PFC Power Supply

small stuff
$4.99 Rosewill RPS-100 6 Outlets Power Strip 125V Input Voltage 1875W Maximum Power 3 Feet Cord Length
$14.99 after coupon code EMCWXVR24 LG 24X DVD Burner - Bare Drive 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model GH24NS95 - OEM
$8.99 Rosewill 4.7GB 16X DVD+R 50 Packs Spindle Disc Model RCDM-10005 - OEM
$18.99 after coupon code EMCWXVR45 memorex 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 05641(0.99s/h)
$10.99 after coupon code EMCWXVR44 memorex 25GB 6X BD-R 15 Packs Spindle Blu-ray Recordable Media Model 98683
$7.99 after $10 MIR card (exp 10/31/13) SYBA SY-PEX40039 PCI-Express 2.0 SATA III (6.0Gb/s) Controller Card
$21.99 after coupon code EMCWXVR64 Logitech Wireless Mouse M310 (910-001675) Silver 3 Buttons 1 x Wheel USB RF Wireless Laser Mouse
$19.99 after coupon code EMCWXVR68 Rosewill RNWA-PoE-1000 PoE Injector
$10.99 after coupon code EMCWXVR72 Rosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1X
$24.99 after coupon code EMCWXVR73 Edimax EW-7438RPn 300Mbps Wireless 802.11/b/g/n Universal Wi-Fi Range Extender with iQ-Setup for Hassle Free Installation and Built-in Wall Plug Power Adapter Design to Conveniently Extend Wi-Fi Signal Coverage

other
$29.99 after coupon code EMCWXVR66 Symantec Norton Internet Security 2014 - 3 PCs(unless you REALLY need it, I would wait for FAR)
$19.99 after coupon code EMCWXVR237 ESET Smart Security 5 - 3 PCs
$99.35 after coupon code EMCWXVR67 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version - Download
$79.99 after coupon code and $10 MIR card(exp 10/31/13) D-Link DCS-5020L Cloud Wireless IP Camera, 640X480 Resolution, Pan/Tilt, Night Vision, Wi-Fi Extender, Sound and Motion Detection, mydlink enabled
$5.99 after coupon code EMCWXVR77 Kingston DataTraveler 101 Gen 2 8GB USB 2.0 Flash Drive (Red) Model DT101G2/8GBZ(0.99 s/h) (prefer <$4, so avoid)
$19.99 after $10 MIR(exp 10/31/13) ADATA Premier Pro 32GB Micro SDHC Flash Card w/Adapter Model AUSDH32GUI1-RA1 (prefer <$16)
$39.99 after coupon code EMCWXVR78 CORSAIR Voyager Mini 64GB USB 3.0 Flash Drive Model CMFMINI3-64GB (prefer <$32)
heavily promoted
$209.99 after coupon code EMCWXVR235 ASUS VE278H Black 27" 2ms (GTG) HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 ASVR 50000000:1 (1200:1) Built-in Speakers


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Hard Drives Deals

Newegg Coupons
g: 1 Posted By: VivYip
Views: 307 Replies: 0 This is going to be a sorta experimental thread for 10/25

coupon codes expire 10/31/13

I'll try to organize it into some order

If people found other items that have not been posted yet, please feel free to mention them (maybe put them into the QS) and the info will hopefully be added to OP. (We'll see how this goes...) The items are in order of what has caught my attention.

free shipping
Big stuff
$149.99 after 20 MIR card(exp 10/31/13) ASUS VN248H-P Super Narrow Bezel Black 23.8" 5ms (GTG) HDMI Widescreen LED Backlight LCD Monitor IPS 80,000,000:1 Built-in Speakers

storage
$69.99 after coupon code EMCWXVR62 TOSHIBA Canvio 3.0 Plus 1.5TB USB 3.0 Black Portable Hard Drive HDTC615XK3B1
$49.99 after coupon code EMCWXVR25 Seagate Barracuda ST500DM002 500GB 7200 RPM 16MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive Bare Drive
$149.99 after coupon code EMCWXVR59 Seagate Backup Plus 4TB USB 3.0 Black Desktop Hard Drive STCA4000100
$209.99 SAMSUNG 840 Pro Series MZ-7PD256BW 2.5" 256GB SATA III MLC Internal Solid State Drive (SSD)
$64.99 after coupon code EMCWXVR22 Western Digital Red NAS Hard Drive WD10EFRX 1TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive
$69.99 after coupon code EMCWXVR63 Western Digital Elements 1TB USB 3.0 Black External Hard Drive WDBUZG0010BBK-NESN
$159.99 after coupon code EMCWXVR26 WD Green WD40EZRX 4TB IntelliPower 64MB Cache SATA 6.0Gb/s 3.5" Internal Hard Drive - Bulk Bare Drive
$379.99 Corsair Force Series GS CSSD-F480GBGS-BK 2.5" 480GB SATA III Internal Solid State Drive (SSD)
$89.99 Plextor M5P Series PX-128M5Pro 2.5" 128GB SATA III MLC Internal Solid State Drive (SSD)
$179.99 Seagate 600 Series ST240HM000 2.5" 240GB SATA III MLC Internal Solid State Drive (SSD)


network(?)
$148.99 after coupon code EMCWXVR56 ASUS RT-N66U Dual-Band Wireless-N900 Gigabit Router, DD-WRT Open Source support, IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab
$124.99 after coupon code EMCWXVR69 D-Link DGS-1024D Unmanaged 10/100/1000Mbps Rackmountable Switch 24-Port Green Technology

computer case
$19.99 after coupon code EMCWXVR49 and $10 MIR(exp 10/31/13) RAIDMAX Tornado ATX-238WU Black/Blue SECC Steel ATX Mid Tower Computer Case
$69.99 after coupon code EMCWXVR53 and $20 MIR card(exp 11/8/13) Antec Nine Hundred Black Steel ATX Mid Tower Computer Case with Upgraded USB 3.0
$79.99 after coupon code EMCWXVR52 and $20 MIR (exp 10/31/13) NZXT Phantom PHAN-001BK Black Steel / Plastic Enthusiast ATX Full Tower Computer Case


power supply
$39.99 after couponc ode EMCWXVR48 and $20 MIR card(exp 10/31/13) Thermaltake TR2 TR-700 700W ATX 12V V2.3 & EPS 12V SLI Ready CrossFire Ready Active PFC Power Supply
$49.99 after coupon code EMCWXVR46 and $20 MIR(exp 10/31/13) CORSAIR CXM series CX600M 600W ATX12V v2.3 SLI Ready CrossFire Ready 80 PLUS BRONZE Certified Modular Active PFC Power Supply
$49.99 after coupon code EMCWXVR47 and $10 MIR card(exp 10/31/13) Rosewill HIVE Series HIVE-650 650W Continuous @40C, 80 PLUS BRONZE Certified, Modular Design, Single +12V Rail, ATX12V v2.31/EPS12V v2.92, SLI Ready, CrossFire Ready, Active-PFC Power Supply

small stuff
$4.99 Rosewill RPS-100 6 Outlets Power Strip 125V Input Voltage 1875W Maximum Power 3 Feet Cord Length
$14.99 after coupon code EMCWXVR24 LG 24X DVD Burner - Bare Drive 24X DVD+R 8X DVD+RW 8X DVD+R DL 24X DVD-R 6X DVD-RW 16X DVD-ROM 48X CD-R 24X CD-RW 48X CD-ROM Black SATA Model GH24NS95 - OEM
$8.99 Rosewill 4.7GB 16X DVD+R 50 Packs Spindle Disc Model RCDM-10005 - OEM
$18.99 after coupon code EMCWXVR45 memorex 4.7GB 16X DVD-R 100 Packs Spindle Disc Model 05641(0.99s/h)
$10.99 after coupon code EMCWXVR44 memorex 25GB 6X BD-R 15 Packs Spindle Blu-ray Recordable Media Model 98683
$7.99 after $10 MIR card(exp 10/31/13) SYBA SY-PEX40039 PCI-Express 2.0 SATA III (6.0Gb/s) Controller Card
$21.99 after coupon code EMCWXVR64 Logitech Wireless Mouse M310 (910-001675) Silver 3 Buttons 1 x Wheel USB RF Wireless Laser Mouse
$19.99 after coupon code EMCWXVR68 Rosewill RNWA-PoE-1000 PoE Injector
$10.99 after coupon code EMCWXVR72 Rosewill RNX-N250PC2 (RNWD-12001) IEEE 802.11b/g/n, PCI, Wireless-N Adapter (2T2R) Up to 300Mbps Data Rates, 64/128 bit WEP, complies with WPA/WPA2 standard (TKIP/AES), IEEE 802.1X
$24.99 after coupon code EMCWXVR73 Edimax EW-7438RPn 300Mbps Wireless 802.11/b/g/n Universal Wi-Fi Range Extender with iQ-Setup for Hassle Free Installation and Built-in Wall Plug Power Adapter Design to Conveniently Extend Wi-Fi Signal Coverage

other
$29.99 after coupon code EMCWXVR66 Symantec Norton Internet Security 2014 - 3 PCs(unless you REALLY need it, I would wait for FAR)
$19.99 after coupon code EMCWXVR237 ESET Smart Security 5 - 3 PCs
$99.35 after coupon code EMCWXVR67 Adobe Photoshop Lightroom 5 for Windows & Mac - Full Version - Download

heavily promoted
$209.99 after coupon code EMCWXVR235 ASUS VE278H Black 27" 2ms (GTG) HDMI Widescreen LED Backlight LCD Monitor 300 cd/m2 ASVR 50000000:1 (1200:1) Built-in Speakers


Thank you for reading. (If I see a repost from the email, I admit I'm not going to be happy...and will not try this considated Newegg concept ever again, unless it's for FAR)
(in progress)
Hard Drives Deals

Newegg Coupons
Screwing My Health Care Insurance Provider
Added on : Thursday October 24th 2013 06:00:16 AM
g: 1 Posted By: Bizatch
Views: 56 Replies: 0 I've had health insurance with the same provider for 8 years. Thanks to Obamacare, my rate, for the same coverage, is going from $328 to $747. I will no longer have health insurance with this provider after Dec 31.

I have a 30 day grace period on my insurance premium payment, meaning, I have until Dec 30 to pay for Dec insurance coverage. My plan is to set my auto-pay bill payment for Dec 29th. If I haven't used the insurance in December, I will simply stop the auto-pay on Dec 29, thus never making my December premium payment, and my insurance will cancel out at that point. If, on the other hand, I'm in a horrible car wreck, and incapacitated, my auto-pay function will automatically pay Decembers bill and keep my insurance in force. Net result, I'll save December's premium payment while still having the coverage, if needed.

Pros / Cons?
Personal Finance Deals
Need advice on cell plane: AT&T or T-mobile
Added on : Wednesday October 23rd 2013 06:00:06 PM
g: -1 Posted By: mooseranger
Views: 82 Replies: 0 I'm interested in hearing from FW members' opinion on ATT vs T-moble contract/plan. My contract with ATT is up next week and I can't decide if I should switch from ATT to T-Mobile or not. I've been with ATT forever, my current family contract consists of 590 minutes a month with rollover and unlimited data (stutter after 3bg) with no text. Unlimited data only apply to one phone, the second phone is a flip phone, thus only voice. My monthly bill after taxes and discount and all come to $82.

T-Mobile Bliss ad looks interesting with the simple plan with international text and data. I look at T-Mobile family plan and it costs $90 before taxes for 2 lines with 2.5 gb one phone and 500mb second phone. I can't decide if it's worth switching to T-Mobile or not since I have no experience with T-Mobile beside AT&T. Any thoughts and suggestions?
Thanks.
Discussion Deals
Corp-To-Corp vs 1099 and Unemployment Tax Issues
Added on : Wednesday October 23rd 2013 10:00:10 AM
g: 0 Posted By: robronson
Views: 1 Replies: 0 I've recently started in the traveling IT consulting space. I want to avoid working as a W2 of an employer directly for several reasons:

1) No children, no family, so "Cadillac" health plans are wasted compensation.

2) I intend to max out retirement plans as much as possible. Many more options if not W2ed.

3) Opportunities to deduct several purchases such as new phones, laptops, etc. For my personal life I run a dirt-cheap crappy prepaid phone at 10 cents a minute. If I get a W2 job, they'll expect me to buy my own cell phone and pay for my own minutes, but I can't deduct that. As a 1099, I can buy a new phone, new phone plan, keep my existing 10cents a minute plan for personal use, and deduct the new phone/plan 100%.

I was dead set on 1099 until I learned about Corp-to-Corp, which seems like some staffing firms require that I would use in stead of a 1099. I've done some research on Corp-to-Corp but most of it seems to be tailored to the non-Fatwallet crowd who gives the federal government an interest free loan each year and is excited at tax return time to get "free money." Thus, I am proposing the question here about Corp-to-Corps because I imagine there's some high level operators doing some nifty things with them.

I do have a few specific questions and would like to open the floor to general comments on pros/cons.

1) If I'm the only person working through this corp, does it matter if I use S-Corp versus LLC?

2) Does my corp hire me as a W2 of the corp, or contract me as a 1099 of the corp, or is either allowed?

3) Are 1099s exempt from unemployment taxes (and subsequently, benefits if eligible?)

4) How does unemployment work on a corp-to-corp if I'm the sole W2 employee of my corp? From my research it appears I'll be on the hook for around $500 per year for state/federal UI insurance, at least for the first 2.5 years and then it may get cut in half or so. I ran the numbers on UI insurance, and assuming I was legally able to decide on W2 versus 1099 within my Corp-to-Corp, it seems like UI insurance is a good deal for me for several reasons:

a) You're only taxed up to the first $7k or so of income, but the maximum benefits of UI are not realized until around $40k of income. Thus, unlike social security where you're negatively penalized for making too much with respect to the ratio of payout, with UI, you're unfairly compensated for being a high earner. Since the tax stops at $7k but the benefits run until $40k or so, then if you're making $40k+, you're getting more than your payout relative to someone earning less than $40k.

b) As the owner of my S-Corp, I could decide not to take on a new Corp-to-Corp contract and make my sole employee (myself) be unemployed. And thus I have more control over my own unemployment. This is probably borderline fraud, but that also means it's borderline legitimate. So suppose the market for what I do dies down, there's no requirement for my S-Corp to take on a crappy contract I don't want when I can just terminate my own W2 within the corp and collect 6 months of unemployment.

c) The possibility exists of future federal extensions of UI benefits. This is effectively free money with regard to the cost/benefit analysis of UI insurance. The possibility exists that you pay the exact same amount ($500 annually) but get double or triple the payout in the event of unemployment. From a pure economics perspective, that has some form of value.

In summary, let's discuss the pros/cons of 1099 versus Corp-To-Corp and details of how Corp-to-Corp can work. Either in general or pick one of my topics above to comment on.

Personal Finance Deals
$88k left in student loan debt - am I on the right path?
Added on : Tuesday October 22nd 2013 03:00:06 AM
g: 0 Posted By: Killy215
Views: 122 Replies: 4 Hi there! I am new to the forums and have been reading over other posters financial woes when it comes to their student loan debt. For the last 2 years, I have been working to get myself out of all of my debt. This is going to be long, but I want to give the whole picture! A little bit of background:

3 years ago, I moved from Jersey to Maryland to take a new job, paying a decent amount over what I was making. To be immediately frugal, I moved to a much cheaper town about 30-40 minutes away from my job with my partner. When we first moved, my partner didnt have a job so I paid the bulk of the expenses, while she paid for a small part. She ended up going to school and getting her CDL, and within a year got a job. So for our first year in the house, I wasnt able to put much extra towards any of my debt. Once my partner got the job, we worked out an agreement where she took on my portion of the rent for a year, and I got to work attacking my credit card debt, which was about $15,000. I began paying it off in January of 2012 and finished in March of 2013. Im really proud of myself for this.

Now I know its time to work on my student loan debt, which is just an enormous, crushing weight on my shoulders. I know I can pay it off much sooner than the payments have me set to do, so thats what Im going to try to do. I got a B.A. degree in Psychology that I dont even use, but it did help get me the job Im in today. When I graduated college in 2007, I had $98,000 in student loan debt, and I went to a public school. I made poor choices, taking out more money than school cost so that I could live/pay rent/groceries, etc. Also, it took me 7 years to finish instead of 4 for about 65% of that time I was working full time and going part time. I wish I understood the consequences of what I was doing more, or that someone was there to guide me a bit more/answer my questions, but unfortunately, that is not the case. I take full responsibility for the loans and taking them out, and it has certainly given me a great lesson in all of this. Bottom line is, I have this debt now and Ive got to get it out of here. My student loans are split between federal and private. Ive been paying on the loans for 5 years, since 2008. The balances Im giving you are what is current. Heres the breakdown:

Private: $55,247.13 at 6.2735% (These are multiple loans that have been consolidated into one). Their minimum payment per month is $406 over 30 years. Federal: Total is $33,293.38, breakdown below. 1. Consolidation Loan: Subsidized = $5,330.42 at 2.875% / Unsubsidized = $12,426.18 at 2.875% 2. Stafford Loans: Subsidized = $3,862.02 at 6.8% / Unsubsidized = $5,143.56 at 2.35% / Unsubsidized = $6,531.20 at 6.8%The federal loans are currently in deferment because Im going to graduate school (employer-paid), but I AM paying the accrued interest. I need to get rid of these loans, and I know I need to work on the private loan first. Here are is my total amount of monthly expenses, which I have in a budget spreadsheet and keep track of throughout every month:

Rent: $425/month (split, per person)
Car payment: $396 + $102 extra for principal (paying $500/mth so that I can have the car paid off in 3 more years, shaving 2 years off of the initial term). Interest is 1.9%.
Car insurance: $530 per year I make 1-3 bulk payments in December/January.
Cell phone: $77
Gas/Heat (home): $86
Gas (car): $240
Life insurance: $20
Water/sewer/trash: $60
Netflix: $7.99
Misc: $150
Private student loan: $455.03 (I put an extra $50 each month towards the principle, Ive been doing this for about 2 years)
Federal loans interest: $260
Savings account: $100
League dues (roller derby): $35

I bring home around $3,170 per month, which leaves me around $873 per month extra. I also put 3% towards my 401k, where my company matches 50% up to 6%. (Next year, my healthcare is going up about $30 per month, so thats a factor as well). I would like to commit to putting an extra $800 on my private student loan each month. My partner and I live a pretty frugal, simple life, so I do believe this is possible, save for any weird expenses that may come up (i.e., our renters insurance or my AAA membership, which I never take into consideration for monthly expenses).

Ive already started looking for a second job, which means I would have to quit playing roller derby (I cant do 2 jobs, plus grad school, plus derby). This disappoints me because its definitely a great outlet and a way for me to keep up my spirits and exercise, but I know a second job would really help chip away at this money. Next, I received a balance transfer offer for my credit cards at 0% for 12 months with a 2% fee. So last week, I took $8,000 from this offer and paid it towards my $55,000 private loan. I can get the $8,000 paid off in a year with payments of $666 per month towards the credit card. Then Ill take another $150 every month and add it to the student loan payments with my $455. After the $8k is paid off, I hope to use another offer of 0% and do it again.

Does this sound like a reasonable plan? We dont have a lot of extras, and the ones we used to have have been cut when I started paying off my credit cards (i.e., cable). I recently looked into leaving my cell phone company, AT&T, as T-Mobile can get me a similar plan for about $20 less per month, however my cancellation fee of $260 does not make it worth it at this time. Maybe there is something Im missing with the cell phone situation that someone can give me information on. Also, Ive went through my house and pretty much sold all of my extra things on eBay and Craigslist. I have 1 or 2 other things that I might be able to get rid of. Otherwise, I take my breakfast and lunch to work every day except on Friday, where I splurge on an $8 lunch each week. This $32 is part of my $150 misc expenses.

Also, if you were me, where would you put any extra money you received (i.e., tax refund)? A part of me wants to put it on my car so I can get that paid off quicker (and thus freeing up $500 per month), but I also know it makes more sense to put it on the higher interest loan. Thoughts?

Ive really changed my outlook on money over the last few years, and Im trying to get to a better place. There are things I want to buy (like a house!) that I know I just cannot because I cant afford it. Id like to have kids, but they are going to have to wait because I cannot afford them at this time. I feel lucky to have landed such a good job and be in a place in my life where Im able to make this plan and actually execute it. Id really appreciate any insight, especially on things that Ive missed or could do better.

Thanks for listening.
New User Question Deals
OFFER OVER Free- The Handgun Encyclopedia [Kindle Edition] was $9.99
Added on : Monday October 21st 2013 07:00:10 AM
g: 16 Posted By: remick
Views: 1789 Replies: 2 http://www.amazon.com/dp/B00DTBDHDE

The Handgun Encyclopedia is the worlds number #1 source for handgun information. The text covers the evolution of pistols and revolvers from the matchlock to the latest automatic. The book has more than 800 illustrations and over 500 pages of in-depth material that any gun enthusiast will love.

Whether you want to know more about the early single trigger German Wheelock, or would like to delve into the world of Colt handguns, this incredible encyclopedia has you covered.
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Free- The Handgun Encyclopedia [Kindle Edition] was $9.99
Added on : Saturday October 19th 2013 03:00:10 PM
g: 1 Posted By: remick
Views: 122 Replies: 0 http://www.amazon.com/dp/B00DTBDHDE

The Handgun Encyclopedia is the worlds number #1 source for handgun information. The text covers the evolution of pistols and revolvers from the matchlock to the latest automatic. The book has more than 800 illustrations and over 500 pages of in-depth material that any gun enthusiast will love.

Whether you want to know more about the early single trigger German Wheelock, or would like to delve into the world of Colt handguns, this incredible encyclopedia has you covered.
Totally Free Deals
g: 0 Posted By: MISTERCHEAP
Views: 234 Replies: 1 PLEASE READ ALL STEPS TO THIS DEAL SO YOU UNDERSTAND IT PRIOR TO SHOPPING. You will need 2 computers to print out 4 .75/1 Trix Coupons.

Also requires SHOPRITE store card (free to get if you don't have it).

1. Print out 4 75c off 1 coupons (link here http://www.everydaysaver.com/

2. Buy 4 SPECIALLY MARKED "FREE MOVIE TICKET wyb 2" boxes of TRIX 14.8oz cereal. THEY ARE CLEARLY MARKED in huge letters on the front, so please, if you don't see boxes like that, don't buy them. Also skim through the boxes on your shelf as they may be in the back of the pile.

3. Price will be $1.99 per box wyb 4 (with promo discount) they will ring up $2.99 each, then a $4 discount is applied at the end.

4. Hand in 4 coupons. If your store FULLY DOUBLES, you'll get $1.50 off each, if they don't fully double, you'll get $1 off, thus the $2-4 range of the final price.

NOTE DEAL ON TRIX IS LIMIT ONE PER TRANSACTION. If you want to buy 8 boxes for 4 movie tickets, you'll have to do a new order of 4 boxes with 4 more qs.


Grocery Deals
g: 1 Posted By: VivYip
Views: 202 Replies: 0 credit techbargains

Newegg has this item for $49.99 after coupon code EMCWXWW46 and $20 MIR card (exp 10/17/13) with free shipping and no tax in most states

CORSAIR Enthusiast Series TX650 650W ATX12V/EPS12V 80 PLUS BRONZE Certified Active PFC High Performance Power Supply
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Features 80Plus Bronze certification for 85% power efficiency, Active PFC, single 12V rail for enhanced stability, SLI ready and 140mm fan.

Thank you for reading
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IRA traditional/roth contribution/tax question for tax year 2013
Added on : Monday October 14th 2013 08:00:03 AM
g: 0 Posted By: faltutp
Views: 0 Replies: 0 For year 2013 maximum income for full IRA (Traditional/Roth) is 178K. From 178K-188K you can contribute a reduced amount. Projected family MAGI for 2013 182K. Wife does not have employer 401K and thus eligible for Traditional IRA (Reduced amount based on MAGI)If wecontribute reduced maximum allowed traditional IRA contribution in wifes account ( ~3K) does that reduces our MAGI further for me to allow a full 5.5K contribution in my Roth or maximum I could do is also ~3K based on our initial MAGI. Please suggest.
g: 0 Posted By: remick
Views: 252 Replies: 0 http://www.amazon.com/dp/B00E4MBFAO

This book is about employee enthusiasm: that special, invigorating, purposeful and emotional state thats always present in the most successful organizations. Most people are enthusiastic when theyre hired: hopeful, ready to work hard, eager to contribute. What happens? Management, thats what. The Enthusiastic Employee is an action-oriented book that helps companies obtain more from workers - the basic premise is that under the right kind of leadership, the more one side wins in a collaborative relationship, the more for the other side. The book is heavily evidence-based (using extensive employee survey data) and lays out two basic ideas: the Three-Factor Theory of human motivation at work and the Partnership company culture that is based on the Three-Factor Theory and that, by far, brings out the best in people as they respond with enthusiasm about what they do and the company they do it for. Drawing on research with 13,000,000+ employees in 840+ companies, The Enthusiastic Employee, Second Edition tells you what managers (from first-line supervisor to senior leadership) do wrong. Then it tells you something much more important: what to do instead. David Sirota and Douglas Klein detail exactly how to create an environment where enthusiasm flourishes and businesses excel. Extensively updated with new research, case studies, and techniques (they have added over 8.6 million employees and over 400 companies to their analyses ), it now contains a detailed study of Mayo Clinic, one of the worlds most effective healthcare organizations and a true representation of the principle of partnership, as well as more in-depth descriptions of private sector exemplars of partnership, such as Costco. Other new chapters include: how the Great Recession really impacted workers morale (bottom-line, it didnt) and how to build a true Partnership Culture that starts with senior leadership. They now debunk fashionable theories of worker generations (Baby Boomers, Gen X, Y, etc.) as mostly nonsense clarify what theyve learned about making business ethics and corporate social responsibility actionable share what research on merit pay (pay for individual performance) tells us about its likely impact on school teachers and performance (not good)discuss the utility of teleworking (and the dust-up at Yahoo)offer compelling, data-informed insights about women and minorities in the workplace, and much more. You can have enthusiastic employees, and it does matter more than it ever has. Whether youre a business leader, HR/talent management professional, or strategist, thats the workforce you need and this is the book that will help you get it.
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Amazon Coupons
g: 0 Posted By: Solipsist
Views: 128 Replies: 0 I haven't checked out every title here, but Popular Science, Wired, and Better Homes & Gardens look pretty good in the $5 category if you haven't already gotten in on one of their recent deals.

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

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g: 0 Posted By: remick
Views: 219 Replies: 0 http://www.amazon.com/dp/B007SJM44Q

4.9 out of 5 stars with 21 reviews

The history of fly-fishing begins with wet flies, but in this country wets haven't made much headway against the popularity of dries. One reason is that they often imitate adult insects, which appear mostly on or above the surface of the water; another is that they have been fished wrongly. With three decades of fishing experience and coursework in aquatic entymology, plus leading workshops across the country and writing four books on fly fishing tactics, Hughes (Fly Fishing Basics, Stackpole, 1994) here does what he values in others: instructs and enthuses. He explains subsurface insect behavior, extensively covers fishing literature and history, presents detailed instruction on materials and tying, and teaches presentation-all with numerous photos, drawings, and 24 pages of color plates (not seen by this reviewer). Carefully researched and well written, this volume should be useful to all fly fishers and the libraries serving them.
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ebay: $19.99 SanDisk SDMX18R Sansa Clip+ 4GB MP3 Player (refurb) (F/S)
Added on : Wednesday October 09th 2013 03:00:06 PM
g: 0 Posted By: VivYip
Views: 154 Replies: 0 credit techbargains

deal fisher via eBay has this item for $19.99 with free shipping

SanDisk SDMX18R Sansa Clip+ 4GB MP3 Player
Specs:
Condition: Manufacturer Refurbished
Packaging: Brown Box
Manufacturer: SanDisk
Model: SDMX18R-4GB
Features:
Compact MP3 Player Delivers Excellent Sound Quality: The Sansa Clip+ MP3 Player brings your music to life. The player uses solid state flash memory, which eliminates skips and ensures full-bodied sound. Whether you're a jazz enthusiast or you love pounding dance beats, you'll hear your music in rich detail.
Long Battery Life Keeps the Music Playing: The Sansa Clip+ MP3 Player has a built-in rechargeable battery that lasts up to 15 hours on a single charge. This long-lasting battery will keep the music going, even if the next chance to charge is far away.
Compatible with a Variety of Formats: The Sansa Clip+ MP3 Player is compatible with a wide variety of formats, including MP3, WMA, secure WMA, and Audible. It even lets you enjoy high-fidelity formats, such FLAC and Ogg Vorbis, without needing to compress and convert your files.
Stylish, Wearable Design: Ideal for exercising and traveling, the Sansa Clip+ MP3 player features a lightweight, wearable design that clips directly onto your clothing or backpack. The MP3 player is available in a variety of colors, so you can pick the one that best suits your personal style.
Built-In FM Radio and Microphone: The Sansa Clip+ MP3 Player is outfitted with a digital FM tuner with over 40 presets, which give you quick access to your favorite radio stations. It also features an integrated microphone that you can use to record messages and reminders.
Bright OLED Screen with Streamlined Interface: With its backlit OLED screen, the Sansa Clip+ MP3 player gives you an easy-to-follow user interface for managing your audio content. The simple, intuitive interface lets you scroll through your library with ease and displays four lines of text at a time, so you'll never be left searching for a song.
4GB Capacity with Expandable Memory: With a capacity of 4GB, the Sansa Clip+ MP3 player offers enough space for all your favorite audio files. An onboard microSDHC expansion slot lets you expand the MP3 player's capacity by up to 32GB with a SanDisk microSD or microSDHC card.
Package Includes:
SanDisk SDMX18R Sansa Clip+ 4GB MP3 Player (Black)
USB Cable
Sansa Earbud Headphones
Features a very compact chassis, 1.5" OLED display, FM tuner, voice recorder, and MicroSD expansion. Supports MP3, WMA, secure WMA, Audible, Ogg Vorbis, FLAC, plus audio books and podcasts.

Thank you for reading.
MP3 & iPods Deals
Should I get a Realtor?
Added on : Monday October 07th 2013 05:00:18 AM
g: 0 Posted By: cherry3m
Views: 229 Replies: 6 Looking at a purchasing a house. This would eventually become our primary residence.

Details:

Built in 1978
Currently vacant
Owners died, and it passed to three adult children in a trust
These recipients are out of state, thus not interested in keeping it
House is out of style and needs a complete renovation and roof

Listing agent is doing very little to market the property

What is the best way to begin negotiations? Should I contact the listing agent or contact a realtor known to me?

The goal is to get this house at the lowest possible price. I am not interested in a realtor trying to find other houses for me. Is there an opportunity to save the buyers agent commission?

How can I determine what a reasonable selling price would be? I estimate the house needs at least $80K in renovations (contracted out). If the market value of this house completely renovated would be $300K, where should my offer be?
Personal Finance Deals
Free AVG Internet Security 2014 ($54.99 value)! Hurry b4 its gone!
Added on : Sunday October 06th 2013 10:00:05 PM
g: 0 Posted By: Ahlate
Views: 82 Replies: 1 Limited Time Offer!

This offer can end at any time, so be quick and download now.

Terms and Conditions

This is a 1-user 1-year license, for home and business use.

Please take note the way AVG runs freebies is they provide extended trials instead of licenses. This freebie is really a 365 day extended trial of AVG Internet Security 2014 instead of an actual 1-year license. In terms of features and protections, there are no differences between a trial and a real license you get all the same features, updates, and protection. The difference arises in who can install it. If you have used AVG Internet Security in the past, then you might not be able to install an extended trial and thus wont be able to get this freebie. (If you havent used AVG Internet Security in the past, then you can get this freebie.) That is why AVG does it this way: they want to attract new users with freebies, but dont necessarily want to give a free year to existing users.

Free updates for one year
No free tech support
Cannot be installed or re-installed after this offer is over


Read more at http://sharewareonsale.com/s/free-avg-internet-security-2014-54-99-value#kXGB8fXPI0D1tCAV.99

Here is the linky: AVG free download





Totally Free Deals
Overpayment at doctor's office; won't issue refund
Added on : Sunday October 06th 2013 04:00:07 PM
g: 0 Posted By: chedv
Views: 61 Replies: 2 Hi all, this is a fairly minor issue but I can't get it resolved. About 10 months ago I went to a podiatrist. The total that day came to $370, and at their request, I paid the bill in cash. They sent it to BCBS of IL and they wrote the bill down to $270 because the Dr. was a participating provider thus offering a discount.

I have called the doctor's office 3 times requesting the $100 refund and also mailed a letter with a copy of the BCBS explanation of benefits. They always say they switched computer systems, the accountant has my info, etc. Any opinions? Thanks
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Seiko SKA371 (Big Fine Kinetic) $196 w/ FSS @ Amazon
Added on : Friday October 04th 2013 08:00:06 PM
g: 0 Posted By: cjc15153
Views: 266 Replies: 0 This watch has a good reputation among enthusiasts, and usually hovers around $205, according to camelcamelcamel. This is the lowest price on record for the watch. It is kinetic, so you never have to change the battery.

http://www.amazon.com/Seiko-SKA371-Kinetic-Silver-Tone-Watch/dp/B000UQFCFM?

42mm with crown, 15mm thick, hardlex crystal and metal bracelet.I don't own it so I can't say more than that (other than if it had a perpetual calendar I would already have ordered)..
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Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

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

Making too much money

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

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

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

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

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

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

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

Making too little money

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

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

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

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

1.36B2 Eligibility for premium taxcredit.

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

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

1.36B3 Computing the premiumassistance credit amount.

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

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

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

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

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

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

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

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

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

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

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

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





Discussion Deals
50 Ovulation LH Test Strips: $6.38 Shipped (12.8/test) eBay Seller
Added on : Sunday September 29th 2013 01:00:05 AM
g: 0 Posted By: tsipple
Views: 152 Replies: 0 There's an eBay seller with a good reputation that's offering LH (luteinizing hormone) ovulation test strips for less than 12.8 each if you order 50 (1 lot), including shipping. These test strips are for detecting LH which can be a useful indicator to help determine ovulation timing and thus the best chance to conceive a baby. I haven't found the same quantity elsewhere for less than $10 via mail order, and in stores you have to pay $25 or more for this quantity. Bear in mind that they're shipped from Hong Kong, so it'll take at least a couple weeks to get them.

When you buy these test strips at the local drug store, WalMart, Target, etc. you'll see lots of them made in China, so there's nothing unusual about that. They're extremely overpriced at retail stores.

The same seller offers inexpensivehome pregnancy test strips, and you can add some of those to your eBay cart for a combined order, though of course that'll cost a bit more.
Health Deals
Panasonic HC-V110 HD Camcorder - $131.99 at Best Buy B&M - YMMV
Added on : Saturday September 28th 2013 06:00:03 PM
g: 0 Posted By: zapdaddy
Views: 247 Replies: 0 Howdy all:
I was at Best Buy tonight and was just poking around when I ran across a pretty good deal. The Panasonic HC-V110 camcorder (4 1/2 stars on Amazon) was on sale for $131.99. Since I needed a cheap camcorder, I decided to go ahead and pick it up. It is coming up as $168.99 on BB's site, thus YMMV. It was listed on my receipt as 'Clearance'. I hope this can help someone out!

zapdaddy

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Get Clean: 51 Full Size Pears Soap Bars 97.7/Bar Shipped After FW
Added on : Tuesday September 24th 2013 08:00:07 PM
g: 1 Posted By: tsipple
Views: 241 Replies: 0 Harmon Face Values is selling 3-packs of full size (4.4 ounce/125 g) bars of Pears soap for $2.99 per pack. Both varieties of Pears soap are available at the same price. There's a 2% FatWallet rebate for purchases at Harmon Face Values, and orders of at least $50 include free shipping. Thus if you order a total of 17 packs in any combination you'll end up paying 97.7 cents per bar all-in after rebate. That price is a bit less than the dollar store, and you don't have to burn any gasoline to get there.

Pears soap amber
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On edit: I've noticed that at least some dollar stores (e.g. Dollar Tree) have downsized to the small 75 g bars. Harmon is selling the full size bars here.
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Claybox Canon 70-200mm Tea Mug $25.00 at Amazon & $22.00 at Daily Sale
Added on : Friday September 13th 2013 05:00:06 AM
g: 0 Posted By: Ayla
Views: 173 Replies: 0 f/2.8L 16.5-Ounce 1:1 DSLR Camera Lens Coffee Tea Mug, Stainless Steel Interior, Plastic Exterior


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Camera Lens Stainless Steel Coffee Mug $8.29 at Amazon, or at Maxwell's attic
Added on : Wednesday September 11th 2013 09:00:05 AM
g: 1 Posted By: Ayla
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Help. Settling for less then Full for LiveBeat
Added on : Monday September 09th 2013 01:00:06 PM
g: 0 Posted By: 74ak
Views: 207 Replies: 2 While the post may be more suited for credit boards I am not a deadbeat and am looking to improve my yield

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

Qs:

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

I appreciate any advice, guys.
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Free - Core Java Professional [Kindle Edition] (was $9.99)
Added on : Monday September 09th 2013 02:00:05 AM
g: 1 Posted By: remick
Views: 150 Replies: 1 http://www.amazon.com/Core-Java-Professional-ebook/dp/B00EWQ54G8

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Added on : Sunday September 08th 2013 03:00:05 AM
g: 0 Posted By: Ayla
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NCUA Warns Federal Credit Unions About Open Membership
Added on : Saturday September 07th 2013 09:00:12 PM
g: 2 Posted By: NEDeals
Views: 86 Replies: 1 The National Credit Union Administration, a federal agency based in Old Town Alexandria, Virginia has sent a letter to federal credit unions warning them against open membership policies. They seem unhappy the credit unions are advertising that their credit union is available to all via relaxed membership policies or a field of membership that contains access easily obtainable by all. This could make it much more difficult to join some credit unions (e.g. State Department, PenFed, DCU, etc.) that heavily advertise for new members. Credit union members are supposed to have common bonds and the NCUA states guidelines for associations that are used in a field of membership, including paying dues, having meetings etc. .

As the NCUA is a federal agency and thus its works are not copyrightable, here is the text of the letter which is also available at
http://www.ncua.gov/Resources/Pages/LFCU2013-03.aspx
NCUA LETTER TO FEDERAL CREDIT UNIONS
NATIONAL CREDIT UNION ADMINISTRATION
1775 Duke Street, Alexandria, VA 22314
DATE: September 2013 LETTER No.: 13-FCU-03
TO: All Federal Credit Unions
SUBJ: Potential Violations of Common Bond Advertising Requirements

​Dear Board of Directors and Chief Executive Officer:
If your credit union is advertising that anyone, without limitation, is able to become a member of your credit union, then you may be in violation of federal law and regulation.

Some overly aggressive marketing campaigns by federal credit unions to facilitate membership through associational groups are providing consumers with misleading information about single and multiple common bond membership requirements.

NCUA is particularly concerned about advertising by federal credit unions stating their fields of membership are open to anyone. Several recent examples of such overly expansive advertising focus on becoming a credit union member by first joining a particular association. Mainstream financial publications have picked up on this message, as evidenced by recent articles listing federal credit unions perceived to have open membership. This gives the false impression that there are no restrictions on joining a federal credit unionwhich is not the case.

In light of these issues, this letter is intended to remind you of the:



Common bond requirements in the Federal Credit Union Act and NCUA rules;



Requirements for accuracy of advertising in NCUA rules; and


Consequences of failing to comply with these requirements.


Common Bond Requirements
Section 109(b) of the Federal Credit Union Act limits federal credit union membership to three basic types single common bond, multiple common bond, and community: 1

A single common bond credit union consists of persons related by their occupation, (i.e., their place of employment or trade, industry or profession), or related by their association (i.e., place of worship or affiliations).

A multiple common bond credit union consists of more than one group of persons related by either their occupational or associational affiliations.

NCUA rules, specifically the Chartering and Field of Membership Manual, 2 explain the requirements for the associational common bond. 3 NCUA determines whether a group satisfies the associational common bond requirements based on a totality of the circumstances test, which has the following seven factors 4

1) Whether members pay dues;

2) Whether members participate in the furtherance of the goals of the association;

3) Whether the members have voting rights;

4) Whether the association maintains a membership list;

5) Whether the association sponsors other activities;

6) The associations membership eligibility requirements; and

7) The frequency of meetings.

NCUAs Office of Consumer Protection has begun conducting quality control reviews of federal credit unions that may be improperly using associations to sign up members without a common bond.

Advertising Requirements

Section 740.2 of NCUAs Accuracy of Advertising rule prohibits any advertising or representation that is inaccurate or deceptive. Advertisements that include language to the effect that anyone can join or membership is open to everyonewithout any qualifying languagecan give the impression that the Federal Credit Union Acts single or multiple common bond requirements do not apply. When this occurs, the advertisements are inaccurate or deceptive.

Please review your credit unions advertising and promotional practices and ensure all current and future materials accurately portray membership eligibility.

Consequences of Non-Compliance

The Federal Credit Union Act provides NCUA with a broad array of supervisory and administrative tools to enforce the law and rules. Depending on the degree of non-compliance, NCUA may initiate a supervisory contact, require a federal credit union to divest an associational group from its field of membership, and/or issue a Cease and Desist order.

The tool NCUA chooses will depend on a variety of factors including the severity of a particular violation, available methods to rectify a violation, and the extent of a federal credit unions cooperation.

Upholding the membership standards of every federal credit union charter is essential to maintaining the integrity of the federal credit union system.

If you have any questions about NCUAs common bond or advertising requirements, please contact the Office of Consumer Protection at 703-518-1140 or OCPMail@ncua.gov.

​Sincerely,

/s/

Debbie Matz
Chairman

1 12 U.S.C. 1759(b). Community credit unions serve persons and organizations within the boundaries of a well-defined local community, neighborhood, or rural district.
2 12 C.F.R. 701, Appendix B.
3 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). A single associational common bond consists of individuals (natural persons) and/or groups (non-natural persons) whose members participate in activities developing common loyalties, mutual benefits, and mutual interests.
4 12 C.F.R. 701, Appendix B (Chapter 2, Section III.A.1). The Chartering Manual notes specific examples of categories of groups that may or may not qualify as having an associational common bond.​
National Credit Union Association


Louis Garneau Men's Quartz Helmet II $81.99 FS
Added on : Tuesday September 03rd 2013 01:00:06 PM
g: 0 Posted By: tedhawkins
Views: 112 Replies: 0 Louis Garneau Men's Quartz Helmet II $81.99 FS
http://www.altrec.com/odat/?

The baby brother to the Diamond, the Louis Garneau Quartz Helmet II for men offers the same crash protection but removes a few vents to make it a bit lighter. 33 vents (as opposed to the Diamond's 40) provide superb airflow and combine with evacuation channels to move air and moisture away from your head. The composite skeleton provides structural support while the Super MSB technology reinforces the helmet base to enhance protection. Fine tune the fit with one hand using the Spiderlock Pro stabilizing system. X-Static XT2 padding is quick-drying and cushy, so you'll barely feel all 250g. Reflector decals and the Vision light keep you visible if you're out past dark.Certifications: CPSC-ASTM-CEN-AS 2063Vents: 33In-Mold constructionSuper MSB technology: Ring-shaped plastic protection at the base of the helmet reinforces the perimeter for enhanced protectionComposite reinforcement: Lightweight composite skeleton provides structural support and integrity on impactIntegrated strap system with inner nerves: Inner frame which distributes the shock of impacts, thus providing support and protection while being lightweightEvacuation channels: Moisture channels provide better airflow and moisture wickingSpiderlock Pro II: Helmet stabilizing system featuring a polymer neck support. It can be easily tightened on the head using only one hand, thanks to its dented anti-slip wheel. Its inclination can be adjusted to several positionsPro-lock divider: Small and light cam-locking device to quickly adjust strap positionX-static XT2 Padding: Quick-drying antimicrobial material that inhibits growth of odor-causing bacteria. Its ergonomic design gives you optimum comfortReflector decals : Safety first! Reflective stickers will make you more visible near motoristsStickers included (5T0): Customize your helmet yourself. Fit it with your team clothes!Spiderlock Vision light included: Whether you ride to work early in the morning or late at night, the back light will make sure you'll be seenWeight: 8.8 oz, 250 gSizes:S: 61/2 - 7, 201/2 - 22 in, 52-56 cmM: 7 - 73/8, 22 - 231/4 in, 56-59 cmL: 73/8 - 73/4, 231/4 - 241/2 in, 59-62 cmXL: 73/4 - 8, 241/2 - 253/4 in, 62-65 cm
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g: 0 Posted By: beasport
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http://www.freebizmag.com/wineenthusiastad03welcome.htm

Remedy Magazine (3 year sub)
http://www.omeda.com/cgi-win/rx.cgi?p=realage

Muscle Car News Magazine (1 year sub)
http://www.musclecarnews.com/magsub.php

Redmond Magazine
http://www.mcpmag.com/subscribe/free/

New England Bride Magazine (1 year sub)
http://www.nebride.com/asp/register/register.asp

Computer Gaming Magazine (1 yr sub)
http://www.freebizmag.com/computergamesad03welcome.htm

Dance Magazine (1 yr sub)
http://www.magazine-city.net/dance/dance.asp

Caribbean Adventure Magazine (1 yr sub)
http://www.caribbeanadventure.com/subscribe.htm

Military & Aerospace Electronics Magazine (digital or print format)
http://www.omeda.com/cgi-win/mae.cgi?ADD

Discovery Medicine Magazine (1 yr sub)
http://www.freebizmag.com/erewardshealth01welcome.htm?FT=BPJQGTJE59M39

Digital Juice Magazine
http://www.digitaljuice.com/subscribe/default.asp

Baseline Magazine (free 1 yr sub - $205 value)
http://www.omeda.com/ziff/bsl/bsl.cgi?&p=CUSTADD

Fly Tyer Magazine (free 1 yr sub)
http://www.freebizmag.com/flytyerad03welcome.htm

TechNet Magazine (1 yr sub)
http://www.technetmagsubs.com/

Upscale Magazine (1 yr sub)
http://www.freebizmag.com/emailupscale02welcome.htm

Network World Magazine &/or Network Life Magazine
https://www.subscribenw.com/subscribe/PrintSubscription?PAGE_REQUEST=NewSub&code=em43

Permission to Hunt's Ultimate Outdoors Magazine (1 yr sub)
http://www.permissiontohunt.com/land_locator/subscribe.htm

Interview Magazine (1 yr sub)
http://www.freebizmag.com/emailbrantimag01welcome.htm

Life Extension Magazine (1yr)
http://www.magazine-city.net/lifeextension/lifeextension.asp

Music Tracks Magazine (1 yr sub)
http://www.towerrecords.com/tracks/default.asp?

Automotive Engineering Magazine
http://associates.tradepub.com/free/au/

Golf Week Magazine (1yr sub)
http://www.freebizmag.com/golfweekad03welcome.htm

LEGO Kids Magazine (2 yr sub)
http://club.lego.com/eng/magazine/subscription.asp

Motorcycle Product News Magazine (USA & Canada)
http://associates.tradepub.com/free/mpw

FireHouse Magazine
http://associates.tradepub.com/free/fh/

Vitals Magazine
https://www.pubservice.com/subcnew1.asp?PC=VT

The New York Observer Newspaper (1 yr sub)
http://www.freebizmag.com/emailnewyork01welcome.htm

Antiques Magazine
http://www.freebizmag.com/antiquesad03welcome.htm

Game Developer Magazine
http://associates.tradepub.com/free/gd/

EF&P Magazine (for EMT's / Paramedics /etc)
http://www.paramedic.com/efpsubscription.asp

Money Magazine (1 yr sub)
http://800forfunds.com/offer.html

SYNC Magazine (1yr)
http://www.zdmcirc.com/zdmcirc/prom...ters/index.html

Bicycling Magazine (1 year sub)
http://www.freebizmag.com/bicyclingad03welcome.htm

Budget Living Magazine
http://www.freebizmag.com/snapfishbudget01welcome.htm

CADBlocks CD-Rom Subscription
http://associates.tradepub.com/free/cadb/

College Parent Magazine (1 year sub)
http://www.collegeparentmagazine.com/pn/

Southern Gaming & Destinations Magazine
http://www.impactimagination.com/clients/sogd/1_freesubscription.asp

Electronic Design Magazine
http://associates.tradepub.com/free/ed/

Food Arts Magazine (1yr sub)
http://associates.tradepub.com/free/fda/

Packet Magazine
http://www.submag.com/cgi-bin/subscribe/kt?tc=1

Home Business Magazine (1yr sub) <- good magazine
http://www.freebizmag.com/emailhomebusns03welcome.htm

Money Magazine
http://800forfunds.com/offer.html
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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.
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g: 3 Posted By: archena
Views: 346 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Rules to Raise Happy, Healthy Children (Collection) (2nd Edition) [Kindle Edition]

Richard Templar (Author), Roni Jay (Author), Stephen Briers (Author)

http://www.amazon.com/dp/B00COGYQZI

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews#8 inKindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > ParentingA brand new collection of great parenting advice -- fun, non-judgmental, and amazingly helpful! 3 great books help you become a better, happier parent and raise happier, less stressed, more successful children! When it comes to parenting, nobodys perfect, nobody can do it all, and nobody can guarantee results. Not you. Not anyone. So, how do you do the things you can do? The things most likely to help your children enjoy their lives, and grow into healthy, confident, successful, happy adults? These three books bring together invaluable advice: help thats fun, friendly, non-judgmental, realistic, and above all, useful! Richard Templars The Rules of Parenting, Expanded Edition serves up 100+ flexible tips and adaptable Rules for your family, starting with the most important Rule of them all: RELAX. Heres all you need to know from toddler to first boyfriend/girlfriend, driving lessons through college and beyond help with attitude, discipline, siblings, school, teenage life, crises, grown children and above all, staying sane! Next, in Nobody Told Me That!, Roni Jay offers great advice for raising kids who are more confident, resilient, ethical, loving, competent, responsible, fulfilled, engaged, and enthusiastic. Jay identifies what the most successful parents do, distills those insights into 10 core principles, and shows how to actually apply them in your own family. Finally, in How Your Child Thinks, world-renowned child psychologist Dr. Stephen Briers goes inside your childs mind, and helps you give them the skills, tactics, and strategies theyll need to manage their own lives. Briers teaches powerful, proactive techniques that dont simply respond to bad behavior, but keep it from happening in the first place. Drawing on compelling new research on positive psychology, he shows how to cultivate specific habits of thought that nurture resilience and help inoculate against depressive illness promote happiness and well-being cultivate personal competence and social confidence boost problem-solving skills, and more. With these eBooks, you and your kids will enjoy each other more and theyll grow up with the solid foundation they need to find their own paths, build their own lives, and thrive!From world-renowned family happiness experts Richard Templar, Roni Jay, and Stephen Briers

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g: 2 Posted By: archena
Views: 1780 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Scientific Work and Creativity: Advice from the Masters [Kindle Edition] was $2.99

Print is $24.95

Citizen Scientists League (Author),

Reginald Smith (Editor)

http://www.amazon.com/dp/B008QNRZTW

Publication Date: July 26, 2012

Publisher: Citizen Scientists

1 Review ★★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Science > Experiments, Instruments & Measurement > Methodology & Statistics

#1 in Kindle Store > Kindle eBooks > Nonfiction > Science > Education > Research

How do the great discoverers of science really work? Biographers, psychologists, and philosophers have written much on the phenomenon of scientific creativity. This collection of essays takes you into the minds of some of the worlds greatest scientists. You can read in their own words how they worked, thought, and discovered Crucial insights. Hermann von Helmholtz, Hideki Yukawa, Ernst Mach, J.B.S. Haldane, Henri Poincar, Steven Weinberg, Peter Doherty, C.V. Raman, Sylvester James Gates, and many more deliver witty, irreverent, thoughtful, and profound advice to scientists of all kinds and abilities. Whether you are a science hobbyist, an undergraduate doing your first lab work, a postdoc, or a seasoned professional, these essays will help point you in the direction of insight and discovery.

Visit the Citizen Scientists League
http://citizenscientistsleague.com

About the Author
The Citizen Scientists League promotes responsible scientific observation, experimentation, discovery, and invention. We encourage active participation, networking and publishing by science enthusiasts at all levels of education and experience. Editor: Reginald Smith has been active in the amateur science community for over ten years with both the Society for Amateur Scientists and the Citizen Scientists League. His research focus over the years has been mainly in physics including plasma physics, complex networks, and the physics of complex systems such as the Internet, finance, and biology. He has published over 12 peer reviewed scientific papers and wrote extensively on amateur science topics. He studied physics at the University of Virginia and business at the Sloan School of Management at the Massachusetts Institute of Technology.
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Authentic Enfield NO5 Jungle Carbines &395-425 + ship 303. cal
Added on : Friday August 23rd 2013 02:00:03 PM
g: 0 Posted By: buster2
Views: 281 Replies: 2 http://www.aimsurplus.com/product.aspx?groupid=729&name=Enfield+No.+5+MK+1+.303+Brit+Jungle+Carbine , I actually have on of these as a deer rifle,very accurate and a great vintage rifle, doubt they'll last long either .If you want a true piece of history grab one now. You can get parts for them still at Gunparts.com or Numrich as some refer to it as such as a stock set,rear butt pads, slings, etc, great shooting carbines for the collector and enthusiast heres a link for those interested , http://www.gunpartscorp.com/Manufacturers/SMLEAlsoSeeEnfield-33496/No5JungleCarbine-42043.htm
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g: 0 Posted By: Paladin
Views: 18 Replies: 0 Most firearms enthusiasts do not realize this, but Yugo AK47 mags are the only ones that will hold the bolt open on a empty magazine. When used with a Yugo M70 series rifle/carbine, you will know when your magazine has run dry by visual inspection with this mag. These are highly sought after and supplies are dwindling quickly as they are no longer produced.

Combined with free shipping until this weekend (8/24), this is a pretty good deal.

http://palmettostatearmory.com/index.php/yugoslavian-surplus-ak-...
g: 0 Posted By: archena
Views: 97 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Scientific Work and Creativity: Advice from the Masters [Kindle Edition] was $2.99

Print is $24.95

Citizen Scientists League (Author),

Reginald Smith (Editor)

http://www.amazon.com/dp/B008QNRZTW

Publication Date: July 26, 2012

Publisher: Citizen Scientists

1 Review ★★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Science > Experiments, Instruments & Measurement > Methodology & Statistics

#1 in Kindle Store > Kindle eBooks > Nonfiction > Science > Education > Research

How do the great discoverers of science really work? Biographers, psychologists, and philosophers have written much on the phenomenon of scientific creativity. This collection of essays takes you into the minds of some of the worlds greatest scientists. You can read in their own words how they worked, thought, and discovered Crucial insights. Hermann von Helmholtz, Hideki Yukawa, Ernst Mach, J.B.S. Haldane, Henri Poincar, Steven Weinberg, Peter Doherty, C.V. Raman, Sylvester James Gates, and many more deliver witty, irreverent, thoughtful, and profound advice to scientists of all kinds and abilities. Whether you are a science hobbyist, an undergraduate doing your first lab work, a postdoc, or a seasoned professional, these essays will help point you in the direction of insight and discovery.

Visit the Citizen Scientists League
http://citizenscientistsleague.com

About the Author
The Citizen Scientists League promotes responsible scientific observation, experimentation, discovery, and invention. We encourage active participation, networking and publishing by science enthusiasts at all levels of education and experience. Editor: Reginald Smith has been active in the amateur science community for over ten years with both the Society for Amateur Scientists and the Citizen Scientists League. His research focus over the years has been mainly in physics including plasma physics, complex networks, and the physics of complex systems such as the Internet, finance, and biology. He has published over 12 peer reviewed scientific papers and wrote extensively on amateur science topics. He studied physics at the University of Virginia and business at the Sloan School of Management at the Massachusetts Institute of Technology.
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Account Closed, NOT notified!!! Bank of Anti America
Added on : Tuesday August 20th 2013 06:00:07 PM
g: 0 Posted By: TruckerGuy
Views: 88 Replies: 5 I have done some research online. Within an hour of searching, I realized that many have had a similar situation to mine and in fact for most, much worse. I use been using a small, local, community owned bank for many, many years. I am a Professional Truck Driver, and not having access to a bank while on the road is very inconvenient. I have been a customer of Chase within the past and would not do business with them again. After this issue with B of A this week, I also will not be doing business with them again. The small town I live in only have two national banks, not even any regional ones, only a Chase, B of A, and the rest are all local (1-3 branches each).

=8ptI opened a B of A MyAccess Checking the first week of August 2013. As stated before, I am a truck driver which keeps me on the road for 1-2 weeks at a time. When I finally arrived home and obtained my mail all the pertinent account documents had arrived i.e.; debit card, pin, temporary online banking password and welcome packet. My initial $100.00 opening deposit was funded via ACH with my current checking account with the small, local bank as referenced above.

08/17/2013: I receive mail, activate debit card, register for online banking

08/19/2013: In Illinois (not my home state) I visit a B of A ATM and make a personal check deposit in the amount of $350.00 ($450.00 Balance, $100.00 Available Balance, $350.00 Processing, $150.00 On Hold)

*Personal Check was from my roommate for household expenses. He is also a truck driver thus; we do not see each other often. This is our typical way of paying each other, writing personal checks and then leaving them in a designated spot in the house. NOTE: His check has the same address on it as mine, as we live together.

08/20/2013: In Illinois, same branch, same ATM. Withdrawal of $300.00. Personal check deposit in the amount of $300.00. ($450.00 Balance, $0.00 Available Balance, $350.00 Processing, $250.00 On Hold)

*Personal Check from same roommate, forgot to deposit it the previous day.

08/20/2013: Later this same day, online banking log-in attempt unsuccessful. Telephone banking states account is overdrawn. (-$8,888.88 Balance, $650.00 On Hold)

08/20/2013: Contacted B of A via online secure chat. "Account is being handled by a different department." Referred to contact via phone next business day as their office was already closed. Online CSR would give no further information on account stating, "With your account in this status, I cannot access it from my system, which is why you have to contact the other department."

I have been doing research and have come to the conclusion that this is some type of Risk Management/Fraud/Investigations account closure department. I am SERIOUSLY HOPEING that the -$8,888.88 Balance is just some sort of code for within the B of A. There is NO POSSIBLE WAY that I have overdrawn my account to that extent, or any for that matter.

WHY? What is B of A's fraud matrix, so on so forth. Why would this type of legitimate transactions be considered suspicious? I spoke to a friend who works in banking. This type of activity may seem "unusual" in her opinion. And apparently in the banking world "unusual" automatically = fraud. She works for Chase and said that her BIG BANK as she called it, will shut people down at a moment's notice as well. Chase however typically places a freeze on the account and doesn't just close it all willy nilly.

I HATE large banks, because none of them seem to give a darn about Joe working man. They have much more high end personal and business customers in which they can make their money off of. I understand that banks need to make money in order to stay in business, but they shouldn't be trying to do it with deposit accounts. That's what LENDING is for. Now with my account locked out, I am stuck 500 miles away from home with no access to any money. My other bank account with the small local bank hasabout enough money left in it to buy a cheeseburger or two, as I planned on closing it after a few weeks with B of A. Not anymore!!! I may be able to get an advance on my pay check from my company in the morning and I am simply lucky to have that option to fall back on. From the information I can gather online with others who have had a similar experience, me trying to get any answers from B of A is practically pointless if it is a fraud case.I will be the %95 percent of customers who get screwed by B of A and just don't have the time nor energy to fight them.

I just want my money back...plus the other questions I asked,any suggestions??? Thank you!
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VPN and Proxy Plans 50% off Torguard
Added on : Tuesday August 20th 2013 12:00:04 PM
g: 0 Posted By: spdsl
Views: 288 Replies: 0 TorGuard VPN, Proxy, service 50% off.

I personally use this service and it supports multiple formats. Windows, Iphone, Itouch, Android and my ddwrt router. No major issues for me and I will be renewing my service with this coupon. See the email I received posted below. Tech support is quick to respond to any questions. Anonymous encrypted email service is offered as well for no extra charge.

This has been a hot summer for the privacy enthusiast. TorGuard is celebrating the end of summer with a 50% Lifetime discount on 1 Year VPN and Proxy plans. For a limited time, you can purchase new service or renew an existing plan for 1 year and receiveHALF OFFfor the entire subscription!

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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
Coleman Twin Double High Air Bed $42.29 @ www.kmart.com
Added on : Wednesday August 14th 2013 03:00:11 AM
g: 0 Posted By: jaymanthegreat
Views: 224 Replies: 0 Coleman Twin Double High Air Bed
Kmart Item# 089W014486110001 | Model# 2000002848Reg Price: $54.99 Savings: $12.70 Sale Price: $42.29Product Description:Get a Great Night's Sleep on a Twin Double High Air BedWith a Coleman twin double high, you'll be sure to get the sleep you need to handle all the challenges of tomorrow. For many outdoor enthusiasts, camping is made difficult due to a lack of comfortable sleeping options. Unfortunately, it's just not possible for some to get a good night's sleep on the lumpy and hard ground. An air mattress offers a convenient solution. It stores in the trunk and includes fast setup options for any situation. Having a quality air bed on hand is also useful when preparing for house guests or traveling to visit family and friends. When you need an extra bed, the twin double high is a great choice. it's designed of highly durable PVC with a soft, suede top. The bed weighs 1 pound and can be folded compactly when deflated for storage and travel. The valve system fits a number of different air pumps, so it's left to you to choose between battery-operated, rechargeable and electric air pumps. With the better sleep made possible by an air bed, you'll be better prepared for whatever the day has to offer! Coleman Twin Double High with brown finish lets you enjoy a great night's rest anywhere
Side ridges offer a snug fit for all deep-pocket, queen-size sheets
Inflates to 74 x 39 x 17 in. in two minutes with the Quick-Pump unit (sold separately)
Deflates quickly to 14.75 x 5 x 10 with the Wrap 'N' Roll exclusive system and included carry bag
Dual-lock valve reduces leakage and fits a variety of air pumps http://www.kmart.com/coleman-twin-double-high/p-089W014486110001...
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Sony Nex 3 K kit $250 clearance at Target
Added on : Monday August 12th 2013 09:00:08 AM
g: 3 Posted By: doofus
Views: 253 Replies: 2 Saw these today at lunch (Monday is generally electronics mark-down day). Reg $500, half off, so $250. Black, comes with the 18-55MM lens which is a good overall lens it seems.So it will not compete with a $1200 NIKON/Canon, and it has this Sony E-mount system which is limiting. I would say if you are looking for a true enthusiast camera where you are going to have a lot of lens choices, not for you. Likewise, if you are happy with the pictures your smartphone takes, not for you either. Sony has apparently discontinued this as well. And from what I can tell, it is an ultimately 3 year old design (confusing if you look around the web for pricing and reviews; I guess the base is the Sony Nex 3, but you will see references to Nex 3N, etc. I think that is just variations on what lens it ships with, and not necessarily the camera itself being different).Still, if you look at reviews, the write-ups on it are very favorable...particularly when you consider that they were doing so in the context of it being a $500 camera without this lens (which is another $200 or so) and they were comparing it to camera in the $800 range. I think it is for folks who want to take a step beyond the quality they get with a basic point and shoot but are not avid enough to want to walk around with $3K in cameras and lenses. As a comparison, Tiger Direct has these (refurbed) for $470, so $250 for a new one is a good deal. The one at target also comes with the apparent optional external flash (don't worry, it still has a built in one) that is apparently a $120 accessory at the Sony store.So if my math is good, you are in actuality getting about a $450 camera + $200 lens + $100 external flash so $750 for $250?And you can also get the extended warranty through Target and make out as well too. Since the price of the warranty is a function of the price, you get a warranty on a $500 camera for a $250 camera price (so I think 2 years was like $34).Encourage you to do your own research as how Sony handles their branding is really confusing. Looks like maybe at some point the camera came with a 14.2 MP sensor, but I know mine said it was 16 something. When I get home tonight going to do a further interrogation of the box/numbering to figure out specifically what we have here.
g: 0 Posted By: erohrer
Views: 66 Replies: 0 For you bike enthusiasts here's a great deal!Allen Sports Bike Racks @ Amazon - From $32.00 after Coupon
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g: 0 Posted By: MidwestUSDealGuy
Views: 110 Replies: 0 Haven't seen this posted thus far, after conducting a search, I did not see this.Sign up for BP's Driver Rewards program [somewhat similar to Shell Fuel Rewards] and save 10 /gallon for signing up, then 5/gallon off after 2 fill-ps in which the 2 fillups total 20 gallons or morePlease be aware that not all BP stations participate-- the BP nearest to me does not participate.https://bpdriverrewards.com/
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
First time home buyer - newly constructed home
Added on : Wednesday August 07th 2013 12:00:05 PM
g: 0 Posted By: AltidinVA
Views: 92 Replies: 1 We just got news that the builder (MI Homes) has accepted our offer ($650k) for a new home which should be completed by end of October this year. Specific financial details:
Location: Northern Virginia
Total income: $115k
FICO: around 750
Existing car loan: $16k (about $404 a month @ 0.9% APR)
Existing credit card debt: $20k (about $210 a month @ 0.9% APR - till November this year)Anticipated down payment: $130k (20% of home so I can get rid of PMI) + closing costs of about $18k
Anticipated Mortgage: $2,598/mo (@ 4.381% - for now, lets assume this is the rate when we close)
Anticipated HOA + Insurance + Taxes: $820/mo
Thus total expenditure is $4,032/mo (incl Mortgage, HOA, taxes, car payment & credit cards) - this works out to a debt-income ratio of 42%.I expect to "roll" over the credit card debt only *AFTER* closing on the home (even if that means paying a slightly higher minimum on the credit card for a month or 2)As an alternate to the 20% down, I could put only 10% down, and use the remaining cash to pay of the car loan & the credit card debt. This results in my monthly payment going up by $65. I do save $27k upfront from the lower down payment, but end up paying $51.9k extra in interest over the 30-yr loan. I understand that the PMI can be deducted from my taxes, where as the credit card & car loan interest is not deductible.Q1. Would you put 20% down & not deal with PMI, or put 10% down + PMI, get a bigger tax deduction, but then have to deal with requesting PMI to be waived once 20% equity has been built?Q2. How easy or hard is to get PMI waived off? Do I need to pay for another appraisal or other fees at that time?Q3. Would you get "title insurance" (in case any of the contractors sue the builder for non payment)? This is about $2k, but for a brand-new home with a clear title, I am not sure if its worth it or not.Q4. Anything else? Having never owned a home before, I am hoping to get collective insight into experiences (positive & negative) that you people can share.Thanks for your time.
Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 $84.99 after $20 rebate and promo code: 0730BTS9www.newegg.com/Product/Product.aspx?Item=N82E16817139029
Computers Deals

Newegg Coupons
LG 55" Class 1080p 120Hz LED Cinema 3D Smart HDTV - $1249.99
Added on : Monday August 05th 2013 09:00:06 AM
With a stylish design, this 3D HDTV displays stunning 3D images in its 55" display class and delights all TV enthusiasts.
g: 0 Posted By: MISTERCHEAP
Views: 163 Replies: 0 Come home to your beloved pet and a magazine that perfectly complements your lifestyle with a subscription to your favorite specialty title: $6 ($12 value) for a 1-year, 6-issue subscription to Cesar's Way
$7 ($15 value) for a 1-year, 4-issue subscription to The Bark
$8 ($16 value) for a 1-year, 4-issue subscription to Modern Dog
$8 ($15 value) for a 1-year, 12-issue subscription to Dog Fancy
$9 ($18 value) for a 2-year, 4-issue subscription to Modern Cat
$8 ($15 value) for a 1-year, 12-issue subscription to Cat Fancy
$6 ($11 value) for a 1-year, 12-issue subscription to Horse Illustrated
$7 ($15 value) for a 1-year, 6-issue subscription to Young Rider
$8 ($15 value) for a 1-year, 12-issue subscription to EQUUS
$8 ($16 value) for a 1-year, 12-issue subscription to Horse & Rider
$7 ($15 value) for a 1-year, 12-issue subscription to Reptiles
$17 ($27 value) for a 1-year, 6-issue subscription to Birdwatching
https://www.livingsocial.com/deals/793706-12-magazines-for-pet-e...
Magazines Deals

LivingSocial Coupons
g: 0 Posted By: gfratian
Views: 9 Replies: 0 Hello,
This is the scenario (somewhat simplified):
- have a rental house that's worth approx. $500k, with a loan of ~$380k @ 4.75% (original price was $233k more than 11 years ago; used as rental for less than 18 months).
Based on my calculations using The relevant IRS worksheets, if I sell now I'll have to pay roughly $11k in capital tax gainsAlso, based on my calculations, if I keep it for another 5 years and it only appreciates with $40k more, I'll be even with selling it now and buying something else. Of course, if the real estate goes up more, the capital gains tax implications will be unfavorable (if I keep the current house).So, my question is if there are any other implications that I'm not thinking about when deciding to sell the current house, thus maximizing the tax benefits now (and buying a new house).
Or - just forget the hassle and keep the current house...Thanks for any feedback!
Personal Finance Deals
Trouble with HSA Bank
Added on : Thursday August 01st 2013 09:00:11 AM
g: 0 Posted By: yeastbeast
Views: 45 Replies: 0 TL;DR Don't do business with HSA Bank
A few years ago I tried to invest some HSA money through the HSA Bank/TDAmeritrade deal described in numerous FWF threads (see here). Unfortunately, this has not worked out well. Let this serve as a cautionary tale to those who would play this game. I set up a small balance (about $6K) account with HSA Bank, then transferred those funds into a linked TDAmeritrade account. Initially things went well but my investment priorities changed and I decided to put the money in a different, easier to access HSA. This was in part motivated by HSA Bank's high fees ($3 monthly waived for balance of >$3000 plus $2.50 monthly "investment fee."The trouble began with my attempts to transfer money out of HSA Bank. Numerous little steps in the transfer process are designed as obstacles to customers. Here's a brief summary of the runaround. -I first tried to close the account and cash out but learned of a $25 closing fee
-To avoid that fee, I next tried to ACH transfer leaving a tiny balance so account would go negative and auto-close, but learned that outbound ACH transfers are capped at $500 daily.
-Next, tried to roll over into another HSA and was required to fax in a form, but the fax number listed on contact page wasn't right.
-Eventually succeeded in faxing to a live human who processed the transaction but imposed a fee anyway, leaving the account with a lower balance the requested transfer, thus invalidating the transfer request.
-Spoke with another CSR who altered the original transfer to reflect the new balance, but this got "lost" in document processing until the end of the month, whereupon there were more fees levied, once again invalidating the transfer request.
-Spoke with a manager who claimed that the fees would be reversed and the check would be in the mail today. It's unclear whether the account will remain open. Altogether, this whole operation was unsuccessful in earning money (monthly fees ate most of my investment earnings) and just created trouble.Lessons learned: don't do business with HSA Bank, at least not with small balances like this.Does anyone here have a similarly bad experience with HSA Bank or can suggest alternative routes to investing HSA money?
g: 0 Posted By: walt99
Views: 85 Replies: 1 Need advice ASAP as my parents need to respond to the summons! Please refrain from personal attacks as this is extremely emotional for us.My elderly parents (mid-late-60's) are being sued in California state by a creditor for $10K credit card balance that they are delinquent on. The credit card was used for living expenses. The card is in my mother's name.My mother is a homemaker with ~$250/month income from SS
My father is unemployed after being laid off from his maintenance job and his unemployment runs out this month. His only income will then be ~$800/month from SS.Total income: ~$1050/month, rent $600/monthThey have no assets ($0 savings), no automobiles in their name, no house, or other assets. They will soon be relocating to live with me so that I can help them with living expenses.My understanding is that SS wages cannot be garnished. They have no need for credit. From what I've read, it seems like there wouldn't be any recourse. For this reason (only SS income and no assets), it doesn't seem beneficial for them to incur the costs of bankruptcy, especially considering they can't afford it. They can't afford a lawyer and they're both immigrants who speak little English. I am trying to help them as best as I can, but I am a recent college graduate who is trying to get my own post-grad affairs in order. I am also ~2000 miles away and so unable to help them in person thus am trying to do everything remotely.
What should they do? What is their best course of action? Should we contact the CC company and tell them there's nothing to go after and no income coming in? Should we respond to the summons and if so, how? Or should we simply ignore the notice and let it go into default?Thank you so much in advance for your advice!
Credit Deals
g: 0 Posted By: PAcouponshopper
Views: 59 Replies: 0 I am having a difficult time finding the answer to this.I am located in Pennsylvania and have a property under contract with Fannie Mae. Fannie Mae has a long and extensive disclosure addendum. This property has repairs to heating/cooling/septic and also new carpet/paint. In section 5 (a) it has this paragraph:"In situations that are applicable, a structural, electrical, mechanical, environmental or termite inspection report may have been
prepared for the benefit of the Seller. Upon request, the Purchaser will be allowed to review the report to obtain the same
information and knowledge the Seller has about the condition of the Property but the Purchaser acknowledges that the
inspection reports were prepared for the sole use and benefit of the Seller. The Purchaser will not rely upon any such
inspection reports obtained by the Seller in making a decision to purchase the Property."In doing lots of research it seems most folks never even read this addendum much less try to take Fannie Mae up on this offer to obtain any inspections or reports they may have done prior to the purchaser coming along. I called a couple of REO agents in the area who have Fannie Mae listed properties at this time which Fannie Mae has made repairs to. I inquired as a buyer on how Fannie Mae makes such a determination to make repairs (i.e. what gets repaired, what doesn't). The two agents I spoke to indicated that Fannie Mae is always supplied with photos and estimates/reports (not sure if verbal or written) from the listing agent on what should be done to market the property. So it seems that that type of information should be available on virtually any Fannie Mae property that has had repairs - would you agree?Fannie Mae is also paranoid about knowing anything or appearing to know anything about the property, however it seems like that does not mesh up to the fact that FNMA likely requires photos/reports/estimates for repair work before authorizing any repair work or even for FNMA to determine what to fix (if anything). This would have been done before the property is listed and long before a buyer comes along. I have even read "past confessions" of REO agent who indicated that they routinely deleted such reports at the request of FNMA.So I'm trying to gauge is it:1. is this even worth asking for2. and in asking will this alienate the broker who has thus far been somewhat helpful on providing info on repairs (had to pry a bit though, piece meal)3. any potential issues I am not thinking of by making such a request
Any input greatly appreciated!!
Personal Finance Deals
g: 1 Posted By: remick
Views: 134 Replies: 0 http://www.amazon.com/dp/B006BPB9OO/In three remarkable books, international best-selling author Richard Templar shares a complete, 100% practical code for personal success in management, work, and life! The Rules of Management, Expanded Edition covers everything from setting realistic targets to holding effective meetings; finding the right people to inspiring loyalty. Youll learn when and how to let your people think they know more than you (even if they don't) and recognize when they really do. Next, in The Rules of Work, Expanded Edition, Templar reveals the secrets of people who seem naturally great at their job: those rare individuals who always seem to say and do the right thing, get raises, get promoted without compromising their principles, or even seeming to break a sweat. Finally, in The Rules of Life, Expanded Edition, Templar uncovers yet another vital set of secrets: the learnable attitudes and easy-to-use techniques that make some people more contented, more fulfilled, more enthusiastic about life. These are the simple, common-sense, easy-to-follow rules that happy, successful people follow: the rules that can change your life!
Books Deals

Amazon Coupons
LG 55" Class 1080p 120Hz LED Cinema 3D Smart HDTV - $1099.99
Added on : Sunday July 28th 2013 09:00:06 AM
With a stylish design, this 3D HDTV displays stunning 3D images in its 55" display class and delights all TV enthusiasts.
g: 0 Posted By: tedhawkins
Views: 102 Replies: 0 Smart Kids Who Play SPF35 Sunscreen 4 oz $10 + 3.99 S&H / FS on $30+http://www.surfstationstore.com/smart-kids-who-play-sunblock-lot...Apply code SSDOD0726ust for the Kids! Our NEW Smart Kids Who Play SPF 35+ Mineral Sunscreen is the ideal sunscreen for active kids.This non-whitening mineral sunscreen has broad spectrum UVA/UVB protection and is formulated with natural ingredients. Our exclusive, non penetrating formula is made with Titanium and Zinc that sit on top of the skin and reflect dangerous UVA and UVB rays. We don't use any parabens or chemical sunscreen active ingredients, such as octinoxate and oxybenzone. This product is water and sweat resistant, won't sting your eyes, environmentally friendly, has a delicious aromatherapy blend of Orange essential oils, and made here in the USA.Active Ingredients: Zinc Oxide (5%) and Titanium Dioxide (4%)Inactive Ingredients: Water (Aqua), Aloe Barbadensis (Aloe Vera) Leaf Juice, Caprylic/Capric Triglyceride (Plant Derived), Butyloctyl Salicylate, Helianthus Annuus (Hybrid Sunflower) Oil, Arachidyl Alcohol, Glycerin (Plant Derived), Zingiber Officinale (Ginger) Root Extract, Beeswax, Behenyl Alcohol, Xanthan Gum (Natural Thickener), Tocopheryl Acetate (Vitamin E Acetate), Tocopherol (Antioxidant), Sodium Ascorbyl Phosphate (Vitamin C Derivative), Prunus Persica (ORGANIC Peach) Fruit Extract, Panthenol (Pro-Vitamin B5), Mangifera Indica (ORGANIC Mango) Seed Butter, Macadamia (Nut) Ternifolia Seed Oil, Cereus Grandiflorus (Cactus) Flower Extract, Carica Papaya Fruit Extract, Camellia Sinensis (Green Tea) Leaf Extract, Ascorbyl Palmitate (Vitamin C Palmitate), Allantoin (Comfrey Root Derived), Aleurites Moluccana Seed (Kukui Nut) Oil, Ethylhexylglycerin (Plant Derived Preservative), Hydroxyethyl Acrylate/Sodium Acryloyl Dimethyl Taurate Copolymer, Arachidyl Glucoside, Glyceryl Caprylate (Natural Preservative), Glyceryl Undecylenate (Natural Preservative), Sorbic Acid (Natural Preservative), Sclerotium Gum, Citrus Aurantium Amara (Bitter Orange/Petitgrain) Oil, Glyceryl Stearate (Plant Derived), Vaccinium Angustifolium (Blueberry) Fruit Extract, Stearic Acid (Plant Derived), Citrus Aurantium Dulcis (ORGANIC Orange) Fruit Extract, Cetyl Alcohol (Plant Derived)
Beauty Deals
Odds of student loan forgiveness someday?
Added on : Tuesday July 23rd 2013 08:00:20 AM
g: 0 Posted By: dougan778
Views: 140 Replies: 9 I have a 5.5% student loan (graduated 2008) that has about 10k left on it. I've thus far just made the minimum payments, even though I have been accumulating a lot in savings. Every time I start to think about paying it off, I hear about some politician getting support for student loan forgiveness programs, and these suggested programs usually include forgiving student loans after X years of repayment.If the rate was 2 points higher at 7.5, I'd have paid it off a long time ago, and if it was 2 points lower, i'd ride it out as long as I could. But at 5.5% I think I'm in a place where the burden of the interest rate might be worth it if I think there's a real chance that part of the loan will be forgiven in the future.So I'm looking for input on whether or not it's worth it to carry this loan in hopes part of it gets forgiven someday. Sorry to touch on a subject that's pretty political, but it's a big factor of my financial decision.Thanks!
Personal Finance Deals
g: 0 Posted By: Wanamakemoolah
Views: 63 Replies: 0 I know that in some or possibly all instances, if you have a business that is incorporated in one state, then that business must register as a foreign entity performing business in another state if it does business there. For example, according to California's government website FAQ:"Do I have to qualify or register a foreign (outofstate or outofcountry) business entity?Before transacting intrastate business in California the business must first qualify/register with the California Secretary of State. (California Corporations Code section 2105, 15909.02, 16959 or 17451.) California Corporations Code sections 191, 15901.02(ai) and 17001(ap) define "transacting intrastate business" as entering into repeated and successive transactions of its business in this state, other than interstate or foreign commerce."I want to do consulting in various states. Do I need to register as a foreign business entity in any of them? I might also want to offer seminars, perhaps two or three days. To have to register as a foreign business entity in each state would be onerous.Based on that California FAQ, it sounds like only intrastate business transactions must do that. So if I was opening a warehouse or a storefront in a state, that would likely be intrastate, but if I'm flying in to give a weekend seminar or do consulting services 4 days a week for a year, that might be interstate and thus unnecessary. I haven't looked at every single state's website regarding this topic, I'm really just hoping this is something I absolutely don't need to do or worry about. I'm concerned if I failed to register as a foreign business, and I was supposed to, that it might open up "piercing the corporate veil" or possibly invalidate professional liability insurance that I've obtained.
Discussion Deals
Women's Classy Peplum Dress with Lace 76% Off!! For $15.91
Added on : Friday July 19th 2013 09:00:05 AM
g: 0 Posted By: atrendyfrenzy
Views: 178 Replies: 0 I came across this deal and just had to share it! For fellow fashion lovers, you'll understand my enthusiasm. It's available in both pink and black (I'm going to purchase the black one). From my understanding, you can get free shipping if you use Amazon Prime. The original price was $66.95 and it's now only $15.91. Definitely worth checking out for yourself or any classy gal you know :]http://www.amazon.com/G2-Fashion-Square-Colorblock-DRS-EVP/dp/B0...
Clothing Deals

Amazon Coupons
Bank abusing customers and breaching arbitrator's rules?
Added on : Thursday July 18th 2013 07:00:06 PM
g: 1 Posted By: emcdemc
Views: 108 Replies: 0 Hi All,I have posted on and off over the years. I have been dealing with something recently that I thought you all would find interesting:In Citibank's non-negotiated consumer agreements (i.e. checking accounts, overdraft accounts, etc.) there is a mandatory arbitration clause. That clause names AAA and JAMS as the consumer's choices for arbitrator. AAA and JAMS consumer due process rules are binding on the drafting institution. Failure to abide by those rules renders AAA and/or JAMS unable to arbitrate the matter.AAA and JAMS rules grant the consumer a right to small claims that cannot be precluded. Preclusion of said rights should result in a denial of jurisdiction.Specifically, AAA and JAMS impose the following rules on anyone that seeks to use them for dispute resolution in consumer cases:AAA Consumer Due Process Protocol, Principle 5: Consumer ADR Agreements should make it clear that all parties retain the right to seek relief in a small claims court for disputes or claims within the scope of its jurisdiction.;AAA Review of Consumer Cases, Page 1: If the AAA has determined that the arbitration clause does not comply with the standards contained in the Protocol, and the business does not comply, the AAA will not handle your claim. However, you may pursue whatever other remedies you choose in another forum;JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (1B): JAMS will administer arbitrations pursuant to mandatory pre-dispute arbitration clauses between companies and consumers only if the contract arbitration clause and specified applicable rules comply with the following minimum standards of fairness. These minimum standards for arbitration procedures are: 1. The arbitration agreement must be reciprocally binding on all parties such that: A) if a consumer is required to arbitrate his or her claims or all claims of a certain type, the company is so bound; and, B) no party shall be precluded from seeking remedies in small claims court for disputes or claims within the scope of its jurisdiction. [Emphasis added]I filed a small claim against Citibank. I live in Arizona. In Arizona, if you motion a small claim to a higher court, it is automatically granted. Well Citibank not only motioned the claim to a higher court, it simultaneously motioned to compel arbitration. I replied by pointing out the above arbitrator rules. Nonetheless, the court granted Citibank's motion to compel arbitration. (I later hired an attorney and he has mentioned that the courts are extremely biased towards arbitration - and towards not making tough decisions).Anyways, Citibank effectively precluded my right to small claims.Here is what the contract says, in the section entitled "DISPUTES EXCLUDED FROM ARBITRATION":
"Disputes filed by you or by us individually in a small claims court are not subject to arbitration, so long as the disputes remain in such court and advance only an individual (non-class, non-representive) claim for relief."So, really, when you get down to it, the court was right in interpreting that clause as it did. The claim was no longer in small claims and therefore it did not have to be excluded from arbitration. Fine. Stupid technicality.The problem is that this limited view fails to take into account the rules of AAA and JAMS. AAA and JAMS both should, when presented with this information, reject arbitration. AAA and JAMS should determine that the aforementioned clause as drafted does not grant the consumer a right to small claims court - as my experience clearly demonstrates.One would assume that if AAA and JAMS agree with me (and I have a hard time seeing them completely ignore their own rules), then a great many if not all of Citibank's consumer agreements have arbitrators named that cannot arbitrate these disputes.Finally, the arbitration provision includes the following clause:
If any portion of this arbitration provision is deemed invalid or unenforceable, the entire arbitration provision shall not remain in force."Thus the entire arbitration provision should be struck from the agreement.Opinions? Thoughts? Advice?
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 151 Replies: 1 2nd Amendment Bowie Knife Constitution Series - Numbered - Real Avid $65.52 Shippedhttp://www.gearhog.com/Deal Overview
2nd Amendment Bowie Knife - Real AvidGreat Quality at a good price. Sharp and durable 8" Stainless steel blade. "Constitution Series 2nd Amendment" is engraved on the blade. The 4.5" handle is textured and is a firm comfortable grip when using. This heavy duty knife has a weighty feel. Comes with a premium metal gift box. Great for all outdoor enthusiasts or knife collectors. Don't miss your chance to own this limited edition numbered 1 - 2000 Constitution Series 2nd Amendment Knife.
Sports & Outdoors Deals
g: 0 Posted By: adorable
Views: 154 Replies: 1 On display at the Fountain Valley, CA Office Depot.New, about $600 in retail stores. Refurbished or New in the Lenovo Outlet store for $400-500 when they pop up (eg. I got my Z580 i5 for $400 Xmas Outlet).
Thus, solid price on a 3rd-gen Intel i5 notebook from a top-brand maker. (there are other i5 notebooks out there from other, lesser known brands, cheaper) Quicksync through Mediaespresso easily converts a DVD MPG to MP4 in ~5 minutes, fast encodings.If you want a much better IPS screen, look at the refurb'd Y580's at $800+, etc. The Z580's is typical for the <$600 end range of notebooks - good head on, move a bit to the side or up and down and the screen will fade out.Otherwise, solid notebook for the features included and I haven't tossed mine out the window yet, so it's a decent low-end keeper. Do turn on the Dolby for decent sound at all times (you can use a basic neutral setting, and it'll still be worlds better than without it on).Blowing out given that August is when Win 8.1 is expected to roll out, so these Win8's are being cleared out. (Which also means, in the next couple of months, lots of Lenovos in the Outlet section running Win8 being cleared out as well.)
Laptops Deals

Office Depot Coupons
paying car loan with balance transfer check
Added on : Tuesday July 16th 2013 12:00:06 PM
I have a 15k car loan at 4%.I got an offer in the mail for a balance transfer at 0% until Oct 2014, with a 1% fee; I have $7k credit limit and would need to make monthly payments.I want to pay down the loan by 7k, thus saving myself 3% interest on that 7k. Is this too simple or am I overlooking something?
Free Online Streaming of HD quality Hindi, Tamil, Telugu and Malayalam movies (thousands to chose from, including few fairly new ones). A one time donation of $20 will get you access to Bluray movies in Hindi and Tamil. Tons of music videos in above four languages too. Best site for Indian Movie Fans.Enjoy
* Refurbished* HP Pavilion Laptop with 2 years 4G Service $276.24
Added on : Tuesday July 16th 2013 09:00:08 AM
Hi Guys, This is my first post, so please pardon my enthusiasm. So, I just purchased this *refurbished* laptop on HP's eBay store. Isn't this a massive deal considering just the 4G data is worth at least $480 ($20/month x 24 months) ?LinkySpecs are as follows:Product: Pavilion dm1-4310nr Notebook PC 11.6-Inch Notebook
Product Number: C2K41UAR#ABA
Brand: HP
Operating System: Windows 8
Processor: AMD E2-1800 Accelerated Processor
Processor Speed 1.70GHz
RAM: 4GB DDR3 SDRRAM
Hard Drive: 500GB (5400RPM) with HP ProtectSmart Hard Drive Protection
Product: Notebook
Display: 11.6-inch diagonal HD BrightView LED-backlit display (1366 x 768)
Video Graphics: AMD Radeon HD 7340 Discrete-Class Graphics and up to 384MB total graphics memory
Webcam: HP TrueVision HD Webcam with integrated digital microphone
Networking: Integrated 10/100/1000 Gigabit Ethernet LAN (RJ-45 connector)
Audio:Beats Audio Dual Speakers
SuperSpeed USB 3.0: 1
Universal Serial Bus (USB) 2.0: 1
HDMI: 1
VGA (15-pin): 1
RJ-45 (LAN): 1
Headphone-out:1
Microphone-in: 1
Wireless: Wireless LAN 802.11b/g/n WLAN & Bluetooth
Energy Star Qualified: Yes
Dimensions: 16.4" x 10.8" x 1.5"
Weight: 3.52 lbs
Warranty: 90-day parts and labor
Free Online Streaming of HD quality Hindi, Tamil, Telugu and Malayalam movies (thousands to chose from, including few fairly new ones). A one time donation of $20 will get you access to Bluray movies in Hindi and Tamil. Tons of music videos in above four languages too. Best site for Indian Movie Fans.Enjoy
Free Online Streaming of HD quality Hindi, Tamil, Telugu and Malayalam movies (thousands to chose from, including few fairly new ones). A one time donation of $20 will get you access to Bluray movies in Hindi and Tamil. Tons of music videos in above four languages too. Best site for Indian Movie Fans.Enjoy
Free Online Streaming of HD quality Hindi, Tamil, Telugu and Malayalam movies (thousands to chose from, including few fairly new ones). A one time donation of $20 will get you access to Bluray movies in Hindi and Tamil. Tons of music videos in above four languages too. Best site for Indian Movie Fans.Enjoy
For the money and specs I could not find a better safe.Winchester 24 Gun SafeStore your guns where you know they'll be safe with the Winchester Gun Safe. It provides excellent storage for your guns to keep them safe from theft or fire. This steel, 24-gun safe is the perfect self storage for any gun enthusiast and can hold any and all guns from pistols to rifles. The beautiful granite exterior also gives you the classic Winchester look.Fire Resistant to 30 minutes @ 1400 F
UL listed electronic lock
UL listed for Burglary, RSC & California DOJ Compliant
Holds up to 24 long guns
Palusol door seal
2 layers of 1/2 in. fireboard in door
2 layers of 1/2 in. fireboard in body
4-way active bolt work
Twelve 1-1/4 in. dia. locking bolts
Steel thickness: 12 ga.
Auxiliary relocker
Drill resistant hard plate & chamberlain disc
Door panel organizer
5-spoke handle
Convertible gray interior
Durable granite gloss powder paint finish
Cubic capacity: 22.5 cu. ft.
Weight: 507 lb.
Limited lifetime warranty
Tractor Supply Company Coupons
Transfer Coverdell to 529?
Added on : Thursday July 11th 2013 06:00:08 PM
I have a Coverdell (Education Savings Account, or ESA), and the beneficiary (my son) is getting close to the maximum age of 30 at which time he'll have to withdraw the entire account -- and thus be liable for taxes and penalty.To avoid this, I'd like to transfer the ESA into a 529. What I'd plan to do is to withdraw the ESA (getting a check I could deposit to my bank), and then in a separate transaction, make a deposit into my state's (CT) 529, getting a tax deduction in the process. Has anybody seen anything official from the IRS that says this is doable, without penalty?
I've Googled the crap out of the IRS site but just got pages of listings of 1099 forms and the like.
Or must the transfer be custodian-to-custodian?
Thanks
AT&T Nokia Lumia 1020 windows phone, 41 megapixel pureview camera $299 with 2 yrs contract
AT&T takes preorders for Nokia's Lumia 1020 windows phone for $299.99 on a two-year contract. AT&T will start taking preorders on July 16th revealed, with a full launch on July 26th. The Lumia 1020 will be available in matte black, white, and yellow. Available online and in stores.The phone may not be for everybody at this price - but if you want the best smartphone camera, this is the one by a long margin! The image quality (low light or regular light) and loss less zoom are just unmatched. Enthusiasts will love it and have been waiting for long. Definitely the best windows phone till Nokia releases something new for holidays.Specs -
41 megapixel PureView camera, optical image stabilization, 6-lens Carl Zeiss optics, Xenon Flash
2GB of RAM
32 GB internal Storage
4.5-inch AMOLED 1280 x 768 (with Gorilla Glass 3, PureMotion HD+ ClearBlack, High Brightness Mode, Sunlight readability and Super sensitive touch, 334 ppi)
1.5 Ghz dual-core Qualcomm Snapdragon S4 processor
1.2MP HD wide angle front-facing camera
Video : 1080p video capture with 4x zoom and up to 6x zoom at 720p
10.4 mm thick and weighs 158g.
2000mAh battery, optional wireless charging shells
Comes with a leather wrist strap
Windows Phone 8At the following AT&T URL -
http://www.att.com/Lumia1020Nokia URL for Lumia 1020 -
http://www.nokia.com/us-en/phones...lumia1020/
RewardSurvey.com - Free Magazines for Completing Surveys
Added on : Wednesday July 10th 2013 09:00:09 PM
http://www.rewardsurvey.com/I signed up about two months ago and have been filling out surveys since, building up credits.
WSJ was the fastest to arrive, the other magazines like Wired & Inc that I ordered took the usual couple of months to begin delivery.Thus far, no issues, no bills, and works - especially nice to get WSJ free each day =DFast Company
Inc.
Latina
W
Golf Digest
Vogue
Wired
Poder Hispanic
AFAR
Cigar Aficionado
Dwell
Men's Fitness
Self
SHAPE
Wine Spectator
Apologia pro Vita Sua
The Lost Stadivarius
The Last Chron of Barset
Forbes
Siempre Mujer
TV y Novelas
Golfweek
Vanidades
Orley Farm
wall street journal
Armadale
The Way We Live Now
The Economist
wall street journal
228 Issues
$71 Reward Points
The Economist
The Economist
51 Issues
$130 Reward Points
Casio Men's W800H-1AV Classic Digital Sport Watch - $10 + FSSS eligible at Amazon
Here's one for all you super cheap nerdy watch enthusiasts. Amazon has the Casio Men's W800H-1AV Classic Digital Sport Watch for the lowest its ever been at $10 + FSSS eligible. This goes at WalMart for $18.93 and Target for $24.99 and the lowest it had been until a few days back was $14 and before that $16 regularly:
Link here.....http://www.amazon.com/Casio-W800H-1AV-Classic-Digital-Sport/dp/B...Note that this watch is a definite upgrade to the ever-popular F91 in that it:- Is water resistant up to 100m whereas the F91 is simply "water resistant" on the surface (really down to about 20 feet in my experience)- Has the "Illuminator***" feature which lights up the face with a neon glow instead of a little yellow light from the side like the F91- Has the full date and 3 letter abbreviation of the day of week (vs. just month and day with 2 letter abbreviation for the F91)- Has a larger face than the F91 and looks more substantial on the wrist- Has a much better band than the F91, which is the F91's biggest problem probably.*** The illuminator feature on the W800 is sort of a hybrid in that it doesn't illuminate from the back, but from the side but with a neon green light. Same effect though, just a bit duller than the more expensive Casios. Sometimes that's good if you're checking early in the morning.Anyway, that's the rundown, this is a great little watch with a 10 year battery life and like most casio digitals it will literally last a couple decades if you don't break it against something. Enjoy!
Amazon Coupons
Gun Will writing services from GunWill.com (24% OFF) $75
Added on : Wednesday July 03rd 2013 08:00:04 AM
Gun Will writing services from GunWill.com (24% OFF) $75http://www.gearhog.com/Deal Overview
Our Gun Will is a standard Last Will which includes a plan regarding the responsible care and distribution of firearms. Normal Wills do not specify how to properly distribute firearms after you pass away. Thus, this situation has the potential to pose serious problems for your estate (and those who care for it) as a whole.Any gun owner who intends to pass down their firearms when they pass away should dedicate serious consideration to our Will-writing service as it will detail how you intend for your rightfully owned firearms to be handled and distributed when you pass.Please Note: GunWill LLC is not a law firm and does not provide legal advice, if you need legal assistance or are unclear of the laws in your state, you should contact a local lawyer before purchasing our Will documents.Here are some things Your Gun WIll addresses:- Debts and Expenses
- Real Property (Real Estate)
- Personal Property
- FirearmsGeneral property sheets, and Firearms specific property sheets will also be attached with your Will for you to manage/update at your convenience.Our Will documents are meant for use nationwide.Once you complete your Gearhog order please click on this link HERE to complete our Will creation form. DO NOT FILL OUT THE FORM ON THE WEBSITE DIRECTLY, THIS WILL CAUSE DELAY.Please feel free to call GunWill.com at (888) 429-1574 with your questions. I will answer your calls during the Holiday.Please visit www.gunwill.com for more information regarding this service
SunglassHut 50% off list for Clearance starting 7/2 - B&M??
Added on : Monday July 01st 2013 11:00:05 AM
SunglassHut will be selling their clearance sunglasses at 50% off the list price.I bought a pair of Oakley Fast Jackets at the clearance price of $150 but on 7/2 - 7/7 they will be $110 (50% off $220). I've verified this via 3 different SunglassHut locations.I'm not sure if it will be online also, so thus the B&M??Enjoy
Sunglass Hut Coupons
Free Neuma beauty product at 2 PM EST on Tuesday - 7/2 FB
Added on : Monday July 01st 2013 09:00:10 AM
https://www.facebook.com/NewvoBeauty1/app_5997884500507887/1/13 Thank you for vising our page and showing such enthusiasm over our products! We have hit our limit for samples for today but will reopen the form tomorrow at 2 p.m. EST!Read the comments if you are not there 2 PM sharp on Tuesday and have not already liked their page then you will have no chance at this
Panasonic GX-1 Micro4/3 Body $199 shipped plus Adorama cash back
Added on : Friday June 28th 2013 03:00:03 PM
http://www.adorama.com/IPCDMCGX1S.htmlOriginal MSRP was $700, this is the best price there has been for a new body including shipping.Geared for the enthusiast, this is one of the best M4/3 cameras. Plenty of manual controls, latest 16mp sensor, 4 custom function buttons, and probably the best touch screen implementation. All metal body construction.http://www.dpreview.com/reviews/panasonicdmcgx1
Adorama Coupons
Roth IRA Withdrawals
Added on : Thursday June 27th 2013 06:00:08 AM
About 3 years ago I opened a Roth IRA and contributed monthly such that the total annual contributions would equate to the maximum allowed. My contributions ceased in 2012 due to my income rising above the limits for continued contributions. Thus, the account has been sitting stagnant for over a year and due to poor investment choices, the value is now BELOW the initial basis of all contributions.I am considering closing the Roth IRA and using the proceeds to invest in other opportunities. I have read that withdrawals of standard contributions can be taken at any time both tax and penalty free. Further, the only distributions subject to taxation would be capital gains, of which I have none since the account has lost value.I have a few clarifying questions I was hoping someone could help with:Am I correct that I can take a distribution without being subject to taxation or an early withdrawal penalty (I'm 31, not 59 1/2)?
Since the IRS would require me to pay taxes on any GAINS, am I eligible to take the capital LOSSES on my tax return?Much appreciated
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
In a nutshell, my Federal and State tax refunds came back very quickly (all through direct deposit). However, my local tax authority is not as advanced as the state or federal systems. Basically, I am owed a significant local tax refund. I filed on-time, simultaneously with state and federal. After numerous inquiries, I was notified by them that refunds can take 60 - 90 days. While I am still within that period (with July 1st being the 90 day mark), my question is thus: Are the local authorities liable for interest on my refund during the period it takes them to actually issue it back to me, or am I completely beholden to them with no recourse on my refund except to wait it out and hope I see it within the next week or so with no expectation of interest for the time they held it? I fully expect the answer to be that I have no options and that I should adjust my witholdings in such a way as to minimize any amounts due me. The issue for 2012 was a combination of my employer taking out the wrong amount (2% instead of 1%) and that I moved midway through the year. Thoughts? Anybody experience similar delays with local tax refunds?
Tracfone Alcatel A382g at Amazon $20 free ship
Added on : Sunday June 23rd 2013 01:00:04 PM
Amazon has the Tracfone Alcatel A382g for $20. I have been watching this phone for a while and saw it on sale at Dollar General for $20 but the link did not work and they wanted $30. Tracfone wants $40. Amazon has free shipping with a $25 order so you may want to add some filler. The phone is basic but, with large buttons, it is ideal for older folks. It also includes double minutes for life. My plan is to add minutes to the current 3 year old Tracfone which has triple minutes. I will then transfer those minutes to this phone, thus converting it to a triple minute model. Amazon also offers this phone with a 400 minute/1 year card for $90. The 400 minutes gets doubled so a year of service and 800 minutes of usage costs an incremental $70 vs around $99 on the Tracfone website. We have used Tracfones for 7 years all over the country and are happy with them, especially at $8 or less per month.Link for PhoneLink for phone plus 400X2 minutes
Amazon Coupons
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
BBE 482i Sonic Maximizer $99.99 FS @ musiciansfriend
Added on : Sunday June 23rd 2013 12:00:02 AM
BBE 482i Sonic Maximizer $99.99 FS @ MusiciansFriend http://www.musiciansfriend.com/stupid/
Product DescriptionThe BBE 482i Sonic Maximizer is perfect for home studios, DJ systems, PA systems, nightclub sound, and guitar, bass, or keyboard racksany application not requiring balanced jacks. It provides processing for stereo or 2 separate mono channelsbrightening, clarifying, and adding fullness to the sound. Features 5-segment LED output meters, +18dBu headroom, RCA and 1/4" inputs and outputs, and a bypass switch for comparison of processed to unprocessed signal. Occupies one rackspace.The BBE Process--"What it Is"Loudspeakers have difficulty working with the electronic signals supplied by an amplifier. These difficulties cause such major phase and amplitude distortion that the sound reproduced by the speaker differs significantly from the sound produced by the original source.
In the past, these problems proved unsolvable and were thus relegated to a position of secondary importance in audio system design. However, phase and amplitude integrity is essential to accurate sound reproduction. Research shows that the information which the listener translates into the recognizable characteristics of a live performance are intimately tied into complex time and amplitude relationships between the fundamental and harmonic components of a given musical note or sound. These relationships define a sound's "sound".
When these complex relationships pass through a speaker, the proper order is lost. The higher frequencies are delayed. A lower frequency may reach the listener's ear first or perhaps simultaneously with that of a higher frequency. In some cases, the fundamental components may be so time-shifted that they reach the listener's ear ahead of some or all of the harmonic components.
This change in the phase and amplitude relationship on the harmonic and fundamental frequencies is technically called "envelope distortion." The listener perceives this loss of sound integrity in the reproduced sound as "muddy" and "smeared." In the extreme, it can become difficult to tell the difference between musical instruments, for example, an oboe and a clarinet.
BBE Sound, Inc. conducted extensive studies of numerous speaker systems over a ten year period. With this knowledge, it became possible to identify the characteristics of an ideal speaker and to distill the corrections necessary to return the fundamental and harmonic frequency structures to their correct order. While there are differences among various speaker designs in the magnitude of their correction, the overall pattern of correction needed is remarkably consistent.
The BBE Process is so unique that 42 patents have been awarded by the U.S. Patent Office.
Features Pro and semi-pro sound reinforcement
Multitrack studios
Mobile DJ systems
Cassette copies
Nightclub sound systems
Instrument racks for guitar, bass, and keyboards
2 channels of processing for stereo or separate mono mixes
5 segment LED output meters
+18dBu headroom
RCA and 1/4" inputs and outputs
Hardwire bypass
Musician's Friend Coupons
http://www.discountmags.com/promos/pickyourpriceMaxim Magazine
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DiscountMags.com Coupons
Atari Game Console - $34.99 + FS @ Bon-Ton Stores
Added on : Wednesday June 19th 2013 03:00:02 PM
A throwback to the retro gaming era, this system is perfect for enthusiasts and collectors alike.Play your favorite classic Atari games with this AtGames Atari Flashback 4 AR2670 retro gaming console! Featuring 75 built-in games, including Space Invaders, Jungle Hunt, Asteroids, Centipede, Missile Command and more, all you need to do it is plug it in for hours of classic gaming entertainment. And in a modern twist, the controllers are now wireless allowing you to play from the comfort of your couch without all those clumsy wires getting in the way.Includes: (75) Built-in games, (2) wireless controllers and a collectible Atari poster
Imported Remember to add code: FREESHIP to get free shipping on all orders!Atari Game Console
I realize this has a specific audience, but if you love Charles Wysocki like I do this is a pretty decent deal for a great Calander! The Charles Wysocki 2013 American Wall Calander is currently $7.25 and free shipping with Amazon Prime. You have to click on new items, as it is not on the main page. I realize we are half way through 2013 but this calander has beautiful Amaericana images and was cheap enough for me to justify buying a second one in June. Plus the price is the best I have seen thus far. It is actually cheaper than the "used" ones for sale. Not sure about the seller, as the seller is third party but it appears to be fulfilled trough Amazon. Thought I'd pass on it on for any other Charles Wysocki fans. Dont't forget to pre-order next years calander too!  Link here
Amazon Coupons
I realize this has a specific audience, but if you love Charles Wysocki like I do this is a pretty decent deal for a great Calander! The Charles Wysocki 2013 American Wall Calander is currently $7.25 and free shipping with Amazon Prime. You have to click on new items, as it is not on the main page. I realize we are half way through 2013 but this calander has beautiful Amaericana images and was cheap enough for me to justify buying a second one in June. Plus the price is the best I have seen thus far. It is actually cheaper than the "used" ones for sale. Not sure about the seller, as the seller is third party but it appears to be fulfilled trough Amazon. Thought I'd pass on it on for any other Charles Wysocki fans. Dont't forget to pre-order next years calander too!  Link here
Amazon Coupons
YMMV - Cheap Barilla Pasta @ Shaw's
Added on : Monday June 17th 2013 02:00:09 AM
On sale this week at Shaw's Supermarket is Barilla Pasta $1 a box excluding the type in the yellow box.There are coupons in Coupons.com (75c off 2) and Shaw's doubles the value.
So $1 x 2 - $1.50 cpn = 50c for 2 boxes.In addition, if you need more than 4 boxes (2 coupons), here is the deal:After buying the first round, a Catalina will print with $1.50 off 3, thus making them 50c a piece and a fresh Catalina will print after each purchase.
Registration Confirmation for DDD Investor Day in NYC June 17
Added on : Sunday June 16th 2013 04:00:03 PM
So below is your confirmation. It's ok if they don't find you on the list. Lists are not perfect, and just mention what it says at the bottom: "Please consider the environment before printing this email." So don't even bother with any proof. Just have a biz card and wear a suit. This is actually a very Hot Topic and very hot company. You'll be treated nicely all day, and you'll bring plenty out of this meeting
Thank you for registering for our annual investor and analyst day. The presentation will begin at 10:00am ET at the W Hotel Union Square in NYC, please plan to arrive between 9 and 9:45am. The W is located at 201 Park Ave S, New York, NY 10003, (Park & 18th St). We expect that the presentation and Q&A will last approximately 2 hours. We will also have some of our content-to-print solutions, including the recent addition of haptics and medical developments, and a variety of parts on display at the W Hotel. After the presentation, attendees are invited to visit our NYC creative center office at 868 Broadway (Broadway & 18th) which is very close to the W Hotel. Our NYC space is used as a creative center for a few employees and to host groups of makers and 3D Printing enthusiasts; therefore, due to limited space at our NYC office, next week, you will be assigned a timeframe that you may visit our office if you would like. Times will be immediately following the presentation until mid-afternoon, as needed, on June 17. 3D Systems Annual Investor and Analyst Day
Monday, June 17, 2013, Presentation begins at 10:00am at the W Hotel Union Square, NYC
Includes content-to-print solutions display at the W HotelAgenda:3D Systems Overview I Avi Reichental, CEO Accelerating 3D Printers Adoption I Michele Marchesan, VP & GM 3D Printing Reinventing the Engineers Desktop I Ping Fu, CSO Impact of 3DS Solutions on Patients Lives I Andy Christensen, CEO Medical Modeling Democratizing Access I Cathy Lewis, CMO Growth and Expectations I Damon Gregoire, CFO Manufacturing the Future I Avi Reichental, CEO Q&A Session We expect to conclude by approximately 12:00pm and investors will have time after the presentation to view the display at the W Hotel and meet management.If you are no longer able to attend the presentation or office in person, please let me know. The audio webcast link will be available live and for replay. If you have any questions, please let me know.Thanks,
StaceyStacey L. Witten | Director, Investor Relations
3D Systems Corporation | 333 Three D Systems Circle | Rock Hill, SC 29730 | USA
Office: +1 803 326 4010 | Cell: +1 803 554 3428
Email: stacey.witten@3dsystems.com | Web: www.3DSystems.com | NYSE: DDDThis e-mail is intended for the exclusive use of the recipients named above and may constitute privileged or confidential information or otherwise be protected from disclosure. Dissemination, distribution, forwarding or copying of this e-mail by anyone other than the intended recipients is prohibited. If you have received this e-mail in error, please notify me immediately by reply e-mail or telephone and completely delete or destroy any and all electronic or other copies of the original message and any attachments to it. Thank you.Please consider the environment before printing this email.
Mad Catz Street Fighter X Tekken - Arcade FightStick PRO
Xbox360 or PS3 / "Cross" or "Line" designAmazon LinkNote: The PS3 versions are in stock, the Xbox360 versions are not. Either Xbox360 controller will default to a third-party seller, just use "More Buying Choices" on the right to select Amazon as the seller.
Quoted 2-4 weeks shipping, it will probably be sooner especially if a bunch of FW'ers purchase together.Here comes a new challenger! Get ready for the next battle when the two biggest fighting games clash head-to-head in Street Fighter X Tekken! Created to appeal to the serious fighting game enthusiast, nothing brings the arcade experience closer to home than the Street Fighter X Tekken Arcade FightStick PRO. Approved by both Capcom and Namco, and embellished with exclusive game artwork, the FightStick PRO uses arcade-quality components from legendary Japanese arcade manufacturer, Sanwa Denshi. Featuring a Japanese-style ball-handled joystick and 30mm action buttons placed to match the Vewlix arcade cabinet configuration, arcade gamers will feel right at home.The legacy of the Tournament Edition continues with the brand new design of the FightStick PRO!
Authentic Japanese-style Sanwa Denshi joystick & buttons
8-button layout with additional multi-speed Turbo functionality
Premium-quality components with genuine arcade layout
Controller lock/unlock switch prevents accidental button presses
Amazon Coupons
Nike Air Force 1 High Women's Casual Shoes
http://www.finishline.com/$94.99 sale $17.99
.Subtotal (1 item):$17.99
Est Shipping: Learn More$5.49
Subtotal before tax:$23.48
BLACK/SAIL Textszs 6, 8, 8 1/2 only Description   Style: 525395 013
Nike Air Force 1 High Women's Casual Shoes The Nike Air Force 1 High Women's Casual Shoes are the original classic that made a breakthrough in the 80's with NBA players, and now the shoes are idolized by fashion, hip-hop and street icons. Features a smooth leather upper, Air-Sole in the heel and solid rubber outsole with classic traction pattern. Nike footwear designers worked diligently for three years to integrate Nike Air-Sole units into basketball kicks. Finally in 1982, the Air Force 1 shoe became the first baller shoe to feature Nike Air technology in its innersole. It took a few years to gain traction in the market, but once it did it was unstoppable. Much like the other Nike footwear icons, Air Force 1 has popularity with not only b-ball enthusiasts but indie trend setters and fashion seekers, too. With the clean, timeless design it's not surprising that AF1 sticks out as a Nike icon and is a sneakerhead's first and last word in basketball shoes. Slip into the supple leather and flush seaming to experience the superior comfort of the Air Force 1 High for yourself.
Finish Line Coupons
Watch The Internship Online Free
Added on : Thursday June 06th 2013 12:00:06 AM
Watch The Internship Online : There are a lot of good comic possibilities lurking in Shawn Levys new movie, The Internship, but most of them never quite or Broken Up, The Hangover, and different industry-changing strikes. Returning to force the genre's limitations is Vince Vaughn, UN organization can preliminary co-star within the Watch, on the internet complete film FREE and one factor informs ME that sci-fi/comedy's box-office performance can impact the overall tone of Vaughn's gathering with Owen Wilson. [L=Download The Internship Movie]http://theinternships.over-blog.com/][/L]: At the start of the movie, Billy (Vaughn) and Nick (Wilson) lose their jobs selling watches when their boss (John Goodman) arch engines, where they must contest with a number of younger, tech-savvy prodigies for a taken at career.Eight decades ago (yikes), Marriage Crashers created R-rated funny bankable and introduced the way for Broken Up, The Hangover, and other industry-changing strikes. I can see this message interesting promotion professionals, but I'm a bit uncertain who the potential viewers is here. As The Hangover Aspect III lately shown, viewers seem to be a bit disinterested in this year's funny promotions thus far, too.Watch The Internship Movie : Those of us who are a bit intimidated by new technology will be tickled by the premise, but the movie might have drawn a his new film trailer does not do much to modify that viewpoint. Owen Wilson and Vince Vaughn are an amazing group in WEDDING CRASHES, so having them get in touch for this maintains objectives that they will provide a smutty, very funny follow-up. But, for some purpose this seems almost like something Adam Sandler would appear in. I wish when the film is lastly launched, I am confirmed incorrect. Download The Internship : Predictability is not the only problem with the script, which was written by Vaughn and Jared Stern. The two stars present ing to confirm they are not outdated, they repel the possibilities by discussing their way into a popular internship at Search engines, along with a battalion of amazing scholars. But, getting entry to this paradise is only 50 percent the fight. Now they must contest with a number of the country's most top level, tech-savvy prodigies to confirm that requirement really is the mom of re-invention.
81% off a Gun Digest one-year subscription (24 Issues) @ $24
Added on : Wednesday June 05th 2013 05:00:03 AM
81% off a Gun Digest one-year subscription (24 Issues) @ $24http://www.gearhog.com/
Deal Overview
Gun Digest the Magazine brings you the best information on shooting gear, tactics, new and collectible guns, and issues important to firearms enthusiasts. Each issue also includes a Marketplace Section, which features guns for sale and gun show listings. Gun Digest is the must-have resource for every firearms enthusiast.You'll receive a one-year subscription - 24 issues total.www.Gundigest.com
Ethics of the exploit
Added on : Friday May 31st 2013 12:00:07 PM
So I'm trying to figure out where the ethical line should be drawn in taking advantage of marketing failures. Thus far I've made a fair penny from fortune 500 companies, and just found a wide open deal for a smaller operation. I'm not going to post the site because they'd either close the deal entirely or be bankrupt, but that brings me to the point of this post (and they are large enough to be partnered with whole foods).these 2 girls have started a cooking / recipe style company, and are now expanding to selling 3rd party goods, and are offering a $10 credit with a $25 bonus credit for each person you refer who signs up and redeems there $10 bonus. There are no IP blocks, or even bad email filtering, just dupe checking and a url cookie that gets verified. if I make an account, and refer 10 of my own accounts, I may have to spend $100 total to redeem, but will get $250 in credit.The new site isn't open yet, this is a pre-launch promotion, but I have the ability to sock away thousands in store credit to redeem over time in the future, and it looks like I'd be able to rack up hundreds in credit on each account, so I could redeem for top of the line stuff and resell over time, for a long term steady income stream, kinda like the recent $5 starbucks giveaway except I wouldn't need to transfer rewards to a central account, I'd accrue enough store credit on one account to be able to redeem for top-end merchandise.I'm thinking it would be OK to do a metaphorical trojan horse, to exploit this to a very high degree now, and then sit on the store credit for at least 3 months, and up to a couple years, until the company has some real sales and is making profit, then slowly redeem over time for a long term payoff.
I'm wondering how other FWFers feel about this, and what their thought process is when deciding to take advantage of exploits such as this.
LA Gear Victoria Ladies Fashion Sports Bra Shipped for $19.98 ShippedRegular Price: $19.99
This Week's Price: $12.99
S&H: $6.99
Tax: NY & VA residents onlyhttp://www.rockbottomfitness.com/la-gear-victoria-ladies-fashion...Avid athletes and sports enthusiasts alike need the best gear out there to support them when they are aspiring to new physical feats and heights, LA Gear combines modern sports bra technology with a high sense of fashion to bring you the best in quality sports gear!Features:
-Microfiber and lace give it a fashionable yet sporty feel and look
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--Double lined support layer for great durability
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-Moisture wicking
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Rockstar sale @ Amazon.com = two older games for 5 bucks!
Added on : Tuesday May 14th 2013 05:00:07 PM
The following are all $4.99 (and thus 4.99 for two games)max payne 2: http://www.amazon.com/Max-Payne-Fall-Online-Game/dp/B008FPV3A8/
midnight club: http://www.amazon.com/Midnight-Club-Online-Game-Code/dp/B008FPV3...
vice city: http://www.amazon.com/Grand-Theft-Auto-Vice-Online/dp/B008FPV5IS...You can apply the credit towards more expensive purchases, but two games for 5 bucks... hard to go wrong if you don't own them by now.
Amazon Coupons
Options for Investment Account for Child who is Not US Citizen?
Added on : Tuesday May 14th 2013 10:00:09 AM
I am trying to come up with a way to invest for a relative (niece) of mine.
I am a US Citizen, my niece is not. She in the UK and has citizenship there and in Germany. Thus she has no Social Security number.Any suggestions as to the best way for me to buy a couple of hundred dollars worth of shares for her every now and then?All I have come up with so far is to create a regular investment account in my name, and just give her the contents sometime in the future. I'd rather not do that if there are options to have the account in her name.
Options Investment Account for Child who is Not US Citizen
Added on : Tuesday May 14th 2013 03:00:06 AM
I am trying to come up with a way to invest for a relative (niece) of mine.
I am a US Citizen, my niece is not. She in the UK and has citizenship there and in Germany. Thus she has no Social Security number.Any suggestions as to the best way for me to buy a couple of hundred dollars worth of shares for her every now and then?All I have come up with so far is to create a regular investment account in my name, and just give her the contents sometime in the future. I'd rather not do that if there are options to have the account in her name.
In stock. Price is decent for a very good black rifle.Link (nationalgunsupply)Smith & Wesson M&P 15 Sport AR15 Rifle with Bullet Button The new Smith & Wesson M&P 15 SPORT rifle joins Smith & Wesson's popular line of M&P15 semi-automatic tactical rifles. With its ready-to-go design, the Smith & Wesson M&P 15 SPORT benefits from accurate 5R rifling, a durable Melonite coated barrel, adjustable sights and a single stage trigger. Versatile, modular and an exceptional value, the Smith & Wesson M&P15 SPORT is a perfect choice for the tactical rifle enthusiast.

Smith & Wesson M&P 15 AR15 Rifle Features:M&P AR15 Sport Rifle chambered in 5.56 NATO/ 223Bullet Button already installed4140 Steel 16" Barrel with 1:8 5R Rifling7075 T6 Aluminum Receiver35" Overall LengthAdjustable A2 Post Front SightAdjustable Dual Aperture6 Position Telescopic Stock10 Round MagazineCalifornia Compliant Bullet Button
Advice Needed. Roof Damage Due to Defective Shingles.
Added on : Sunday May 12th 2013 12:00:06 PM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.EDIT: revised OP to replace "defected" with "defective"
Advice Needed. Roof Damage Due to Defected Shingles.
Added on : Sunday May 12th 2013 07:00:04 AM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.
Martti Malmi eCurrency ATM Scam
Added on : Friday May 10th 2013 11:00:06 PM
The scam company that attempted to create the world's second functional Bitcoin ATM has been linked to Martti Malmi the bitcoin developer. Lamirassu, the Bitcoin start-up owned by Martti Malmi, that presented the worlds second operational Bitcoin ATM at New York Liberty Forum, announced they will be presenting their production Bitcoin Machine soon.The Bitcoin Machine is a tabletop device that has been flagged as a scam for automatically exchanging bitcoins for currency notes at a rate that is only favourable to the ATM owner and not the current rate as per any bitcoin exchange.With Bitcoin exchanges facing banking difficulties and continued hacking attempts, the Martti Malmi Bitcoin Machine may offer a more decentralized approach that could enable purchasing of Bitcoin anywhere on the planet but at the same time offer a simple way to scam unsuspecting Bitcoin enthusiasts.
http://www.sportsmansoutdoorsuperstore.com/products2.cfm/ID/7488...Product Description Del-Ton Incorporated began with an enthusiasm for all things AR-15. Their company is built on its responsiveness to customers and 100% customer satisfaction. All Del-Ton rifle components are made in the U.S.A. All rifles are proudly built in Elizabethtown, North Carolina. Del-Ton stands behind their rifles with a lifetime warranty to the original purchaser. The Echo 316 has a 16 barrel with M4 profile, 1x9 twist, 6 positon M4 stock, CAR handguards with single heat shields, and A2 Flash Hider. The rifle ships brand new with a 30-round magazine and a Gun Lock. Barrel Specifications
◦ Chambered for 5.56 x 45 mm
◦ Chrome Moly Vanadium
◦ M4 Feed Ramps
◦ 16 Length
◦ 1x9 Twist
◦ A2 Flash Hider
◦ Manganese Phosphated
◦ Phosphated under Front Sight Base
◦ Taper Pins on F-Marked Front Sight Base
◦ Threaded Muzzle
◦ M4 Profile Bolt and Carrier Specifications
◦ Phosphated 8620 Steel Carrier Assembly
◦ Carpenter 158 Bolt HPT/MPI Tested
◦ Heat Treated and Plated
◦ Mil-Spec
◦ Chrome Lined Carrier Interior
◦ Carrier Key - chrome lined, attached with Grade 8 Screws
◦ Properly Staked & Sealed Gas Key
http://www.cabelas.com/product/Remington174-UMC-Pistol-Ammunitio...Description:
If the box has Remingtons name on it, you know its ammo you can count on, and UMC brings 140 years of design innovation and manufacturing excellence to shooting enthusiasts for dependable results. These UMC centerfire semiautomatic pistol cartridges are great for practice, target shooting and training exercises. At these prices, they present you with the optimum blend of value and performance. Per 50.
Item: IK-216471
Thanks Mark
Cabela's Coupons
Wine Enthusiast EuroCave SoWine 2-Bottle - $139 (65% Discount)
Added on : Saturday April 27th 2013 03:00:03 AM
WalMart is carrying same product for $139 as Wine Enthusiast does for $395.WalmartWine Enthusiast
REQUEST: Disney World (Orlando) from RDU
Added on : Monday April 22nd 2013 04:02:08 PM
Dates of travel 10/16/13 - 10/20/13Text
Departure city (and airports)/destination RDU to Disney (Orlando)
# of people (adults/children) 2 adults and 1 child (4)
# of nights 4
Approximate budget for your trip 900-2000Text
Activities that interest you Disney, Sea World, ????
WHAT YOU HAVE FOUND SO FAR IN YOUR RESEARCH. So far this is what I have found, Expedia with air with these dates and hotel revservation at Art of Animation for $2134.10
I have also found this same deal without air for $1300.72.That's is the extent of my searching thus far, I would like to stay at this resort or somewhere in the park. I have not purchased tickets to any parks and have no clue what they may cost. I have not gotten as far as to price them yet as we are in the early stages of planning. Also, for what its worth, I am located in Wilson NC (an hour from Raleigh) and have considered driving. It is 650 miles from my town which is about 9 hours, prolly can shave off 1 hour of driving. I would be driving a camry so my mpg is about 26-28 on hwy, so I think it may cost me around $200 in fuel to drive there and back.Anyone know how I can get any special deals on tickets or if there are any other great deals out there? I am open to staying anywhere in the park.
I currently own/live in a downtown condo highrise. Parking is very scarce in the area, and there are many residents in my building that are seeking additional parking spots. Fortunately, I have an extra parking spot that I'm planning to lease out to another resident in my building for $400/month. I'm looking for ways to minimize tax exposure on the $4800 annual revenue generated from this lease arrangement. Would the IRS would find it acceptable for the party renting the spot to pay the $400 payment directly to the HOA (thus reducing my monthly HOA balance)? Alternatively, if the tenant paid me a monthly check, could I sign the check over to the HOA? I'm not looking to do anything illegal, but it seems to me that either of these arrangements would effectively hide lease revenues from the IRS.I suppose that this questions doesn't necessarily need to apply only to parking leases. The same question would be valid in a scenario in which a tenant was subleasing a room in a house, and the landlord wanted them to pay utilities/expenses/HOA dues in exchanged for a reduced rent rate.I look forward to everyone's thoughts and feedback!
I am a frequent reader and contributor here, so I am aware of all the caveats with buying vs leasing. That is not what this thread is for. I want to lease because of my low mileage requirement and I get bored with my vehicle(s) after only a couple of years. Details below.Current vehicle is a 2007 BMW X5 4.8 with almost every option available. I bought it in January 2011 as a CPO with 39k miles on it. It has 57k miles now. Great condition aside from two minor door dings (of which I got insurance money and diminished value checks for; the FWF way). I truly enjoy this vehicle but the fact that it's almost six years old (in-service date is 8/15/07) and my extended warranty runs out in August, I am a bit hesitant on keeping it much longer. No mechanical issues with it, yet. New radiator due to a cracked one about six months ago (covered under CPO).Anyway, the lease "down payment" deal is that the dealership will match my down payment, up to $8500. In other words, if I put $8500 down towards cap-cost reduction, the dealer will give me a free $8500 cap-cost reduction on top of that. A total of $17,000. The payment on this Jeep (2012 SRT/8) is approximately 42% higher than my current payment. That is at their asking price, which is the same as a 2014 SRT/8 MSRP, which is insane. I plan on using that as some ammo when approaching them. It's also their last 2012 Jeep on the lot, and they have 2014's surrounding it. One would assume they would be eager to get rid of it.They're asking $63k for the Jeep, and I plan on trying to get them down to approximately $54,000. A pretty big feat, if I do manage it. That puts the new net payment at approximately 18% (or $113) higher than my current one. Over the course of 36 months, that's about $4100. My loan on my X5 has between two and three years left on it. Yeah, I shouldn't have taken a 5-year note out on a 2.5 year old used car, money was cheap--shoot me. I need new tires on the X5 before winter, that's $1300. So just after tires, I'm already $1300 into my $4100 extra. Toss in a brake job and a few other things, and I'm damn-near spending that $4100 on the X5. Justification? Logic? Not sure if I'm tricking myself here.Lease is 36 months. 12k miles per year, which is fine for me since I have a 10-mile round trip commute. Now, I am definitely a vehicle enthusiast and I get much enjoyment out of driving and maintaining my vehicle(s). In other words, in my low-responsibility life, I tend to splurge a bit on vehicles. Some will disagree with that, but to each their own--don't hate.
TL;DR: The ultimate question is, should I get into this SRT/8 to have the peace of mind of a warranty and "new-fast-car" enjoyment factor? The $4100 over 3 years seems worth it to me at the 30,000-foot level. However, laying out $8500+tax+dmv doesn't sound appealing on a lease. Questions, comments, concerns?ETA: The money factor and residual that I used for my rough calculations were from a few hours of research earlier today. I was reading what others have posted in the last couple of months on various forums and the like. It seems like Chrysler no longer services leases and loans, but they outsource to Ally. From what I could find, Ally has a 46% residual for the 2012 Jeep SRT/8 and a .0362 money factor. These variables could change, without a doubt.
Canon EOS 60D EF-S 18-135mm IS Lens Kit $999 FS from Canon Store
Added on : Sunday April 14th 2013 05:00:02 PM
An EOS with Perspective. With the new EOS 60D DSLR, Canon gives the photo enthusiast a powerful tool fostering creativity, with better image quality, more advanced features and automatic and in-camera technologies for ease-of-use. It features an improved APS-C sized 18.0 Megapixel CMOS sensor for tremendous images, a new DIGIC 4 Image Processor for finer detail and excellent color reproduction, and improved ISO capabilities from 100 - 6400 (expandable to 12800) for uncompromised shooting even in the dimmest situations. The new Multi-control Dial enables users to conveniently operate menus and enter settings with a simple touch. The EOS 60D also features an EOS first: A Vari-angle 3.0-inch Clear View LCD (1,040,000 dots) monitor for easy low- or high-angle viewing. An improved viewfinder, a number of new in-camera creative options and filters, plus HDMI output for viewing images on an HDTV all make the EOS 60D invaluable for the evolving photographer. With continuously curved surfaces, user-friendliness and exuding solidity and refinement, the EOS 60D is true digital inspiration! LINK
Canon Coupons
Termination!! Obviously sob stories.. What to do next?
Added on : Saturday April 13th 2013 06:02:20 PM
Hello, I hope that you are having pleasant day. I've been learning a lot from FW finance forum- today, I humbly ask for your honest opinion of what I should do next. Since I didn't want to get this issue known to anybody(though this is anonymous forum... crazy, I know), I used Alt-ID and for that, I am genuinely so sorry about those who don't like to see Alt-ID: never knew I would be the one that would be using it. After the graduation of college, I decided to stay at college town so that my fiance could finish her degree. (I majored in Economics, for those who care). Since I wanted to do something useful while waiting, I started my first career as a teller in a local bank. Even though I knew that being a teller wasn't going to strengthen my resume, I worked really hard as if becoming teller was my destiny. I quickly reached incentive level and reached top 10 percent of tellers among five states, which was all good. The cash flow from being a teller wasn't big enough, but I was able to put food on the table along with some nice gift for my gal. I was a happy man back then. Then the cookie started to crumble. The relationship between my fiance and me went south- after breakup, I realized that I do not have any connection or friends. While I don't want to say that the time that I spent with her was a waste, I certainly should have had my personal life. I was floating in middle of nowhere in geographic sense(not in a big city like Boston, Chicago, San Francisco etc) either. I was stressed as is and this was what happened after a week of breakup. I was preparing to move to another big city so that I can finally start my second beginning albeit it was without her. We, as retail tellers, occasionally help the commercial tellers because there is so much for the commercial tellers to do. That day was the day that commercial room wasn't able to handle the workload that they are given. After 5:00PM, I realized that I was 5.14 dollars short from the drawer and the commercial room asked for the help they needed. Grudgingly any available retail tellers started to help them out. At 7:00PM, everybody was tired and wanted to go home. At the very last deposit, I found a deposit slip where they did not write down the amount of deposit. THIS WAS WHERE IT WENT WRONG. For some reason, I put 5 dollars less than what the actual deposit was (not 5.14!!!). I did not know what got into my head- the balancing wasn't my motive to put that money into my drawer since I ended up writing off 14 cents. My balancing rate was more than 95 percent so I knew for sure that my supervisor would not mind me being off 5.14 dollars let alone 14 cents. My coworkers saw me underwriting from the deposit and reported to supervisor that I shorted them for 5 dollars. Few minutes later, managers available at 7PM all gathered up and asked me whether I did that terrible act. He asked me whether I really did that since he could not believe the fact that I, who were so enthusiastic and friendly about this bank, would commit this serious issue. I told them the truth as I wouldn't lie. They asked me that whether I have been doing that more than once and I told them that I did not. If that was the case, I would've denied the fact that I shorted commercial deposit at the first place instead of admitting it. They agreed that I am not the character like that and yet were deeply shocked by this incidence. They told me to correct the transaction and come back tomorrow for further action. Feeling terrible and befuddled about the motive of force balancing, I showed up to my work after that day. I have concluded that the recent crumble with the relationship that went south interfered with the clear thinking that I always had. They took the whole day to investigate whether I shorted other customers to balance myself. Of course, they was not able to find the supporting evidence as I never did such act prior to this. After escalating this issue to vice president and HR, they decided to terminate me. I was asked to sign the paper where it read as "the bank has lost trust to employee XXXXX for this action and has decided to terminate his position". However, the head of HR told me that the bank and supervisors do not believe that I did this in any malicious way- but they have to follow the compliance. Long story short, I was terminated with free of charge(no, they did not call police), which was fortunate. The head of HR further told me that they will only verify the start date and duration of employment, the tile as a teller- they would not answer the question of eligibility of rehire. She added that they use the term terminated for every single person who leave the bank: whether it is their own accord, retired, or terminated. I honestly think that this is the end of line for me- I lost everything that I took pride and loved. I lost my fiance, and now I lost my career where I once took my pride and excelled at. With the big termination mark at teller job, I do not think that any financial institution would hire me. I wanted to apply asset management careers after getting myself married and moving to a big city but all those dreams turned into ashes. Honestly, who would hire me after hearing this story? While I certainly don't hope that this would lead to depression or any sort, I would like to ask for your opinion. Am I done for the life? Would I be better off throwing myself from the building? <-Okay, that was little bit extreme, but I really, really don't know what to do. I don't even know whether I should be posting this. Please share me your thought.
Free t-shirt from the Quixey Search Engine - FB - Tuesdays
Added on : Wednesday April 10th 2013 06:00:52 AM
https://www.facebook.com/quixey/app_187799834695016Hi everyone, just to respond once again - due to overwhelming demand, we had to close T-Shirt Tuesday for this week. Check back next week to get your shirt! Thanks so much for your enthusiasm and we'll do our best to mail out shirts over the next few weeks to everyone who submitted a response in time.Best,The Quixey Team"
Rehabilitation for Lower LimbsBy 3D4Medical.com, LLCPlease note: This app is not compatible with iPad 1Rehabilitation for Lower Limbs is a clinically relevant app for physiotherapists and healthcare professionals to visually and effectively communicate injury information and exercise rehabilitation to their clients.The app serves as an innovative patient education tool and as a powerful professional reference tool for injuries, conditions and disorders of the lower limbs. In addition, the app is an excellent visual aid for exercise therapy and effective rehabilitation. WHATS INCLUDED IN THIS APP FOR FREE:This app contains a comprehensive index of 165 injuries, conditions and disorders relevant to the lower limbs.
The user can select an injury and the highly detailed model will demonstrate the relevant anatomical structure and provide a description of the injury along.
By choosing the "exercises" for this injury - the user will be presented with up to 340 relevant high quality and clinically exercise images for that injury.
The organized images within the app relate to the following categories of exercise:
✓Aerobic
✓Agility
✓Balance
✓Core Stability
✓Neuromuscular training
✓Plyometrics
✓Range of motion
✓Strength
✓Stretching

SUBSCRIPTION-BASED PREMIUM REHABILITATION VIDEO CONTENTFor a small monthly subscription fee* users can access the following additional features:Videos:
For a small monthly subscription fee users can access 340 high quality and clinically applicable exercise videos and audio instruction. This subscription can be cancelled at any time. 
Custom Routines for Patients and Clients:
Included with a subscription is a tool to easily create custom routines or exercise programs for clients. Multiple videos can be arranged and the routine edited to provide the client with information relating to specific rehabilitation programs. Reps, sets and rest periods can be set for each exercise video, along with general instructions and notes specific to the client.
Unique Consultation Tool:
Also included with a subscription is the ability to create custom PDF documents that can be sent out to clients and patients. A routine can be exported to PDF, where images generated from specific exercise videos can be annotated with text and drawings. This PDF can be then sent to the client via email, thus enabling them to recall and access information relevant to their consultation.
More about the subscription:
1) The initial subscription is for 1 month.
2) It costs $4.99 (or the equivalent for your currency).
Payment will be charged to iTunes Account at confirmation of purchase.
3) Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal.
4) Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase.
iTunes Coupons
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.
Free Kindle Books - April 8, 2013
Added on : Monday April 08th 2013 02:00:42 AM
Conversations with a Student of Life: Essays on Marriage and Divorce [Kindle Edition]
Beth Marie Larson (Author), Jessica Leannah (Illustrator)
LinkyBook Description
Publication Date: April 5, 2013
This is a collection of my essays on marriage, divorce, and family structure. Since marriage is the typical foundation for family, it only makes sense to examine the particulars of marriage, how to create a successful partnership, and finally a stable family environment. The impact of family environments is one of debate in regards to child development, but whichever side of the debate you fall on, most people can agree on one thing, that a stable home environment empowers children to have successful adult lives.This is an article, please do not expect a full length book.
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77 Dinner Recipes From Around The Globe [Kindle Edition]
Claude DeLucca (Author)
LinkyBook Description
Publication Date: April 5, 2013
"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
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Cowboy with a Cause (Harlequin Romantic Suspense) [Kindle Edition]
Carla Cassidy (Author)
LinkyBook Description
Publication Date: April 1, 2013"I'D APOLOGIZE FOR KISSING YOU, BUT I'M NOT ALL THAT SORRY."Dancer Melanie Brooks had escaped small-town Oklahoma, giving up the country for Broadway's bright lights. Yet after her mother's funeral called her back, her own health issues forced her to stay. Now her tenant, too-hot-for-his-own-good Adam Benson, is giving her a reason to dance again. But has a killer set his sights on her, too?Adam knows a little something about fresh starts. As for his beautiful neighbor, he doesn't see a wheelchairhe sees a woman who understands. But as the heat grows between them, he can't avoid the feeling that more than her big-city past haunts herand that danger has been lurking, waiting to strike.If heart-racing romance and high-stakes suspense is what you're after, look for four new titles every month from Harlequin Romantic Suspense!
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O. Henry's Apprentice: Twisted Stories for A New Generation [Kindle Edition]
Timothy D. McLendon (Author)
LinkyBook Description
Publication Date: March 16, 2013
A New Generation of Short Stories Has ArrivedO. Henry's Legacy ContinuesThe master of short stories has been silent for more than 100 years. His Apprentice has been watching, waiting for a new generation of readers. The time has come to break the silence.Life Is Full of Twisted StoriesTimes have changed. The world is a little bit darker. A little bit colder. A little bit more twisted. The world has evolved, but there are still many good people in it. Good people who do bad things. Horrible things. The Apprentice has remained true to his craft, characterizing the world as it is today. No stone is left unhurled.Five Short Stories Sure To Leave You Breathless
Get ready to experience action - packed mystery at its finest. The characters in these five short stories aren't prepared for what happens next. You won't be either. Just remember, bad things happen to good people. Strap yourself in for an adventure that never lets go.O. Henry's Apprentice invites you to a new vision of the short story. Be careful. Sticks and stones may break your bones, but words will always hurt you.
Advanced praise for the stories of O. Henry's ApprenticeYour use of the story telling device and the way it becomes resolved at the end is a tour-de-force. - David BThis is the first story I have read that I literally could not stop reading. I had to finish it. - Trevor WYour story hooked me quickly and kept me guessing. - Igal L...an excellent pace which does not let up. - Julio PMy jaw dropped to the floor of my library's computer room. Holy ****! - Leroy M
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Quirk Books D.I.Y. Gift Guide [Kindle Edition]
Homemade Quirk (Author)
LinkyBook Description
Publication Date: November 27, 2012
This FREE ebook offers 18 DIY gifts for the bookworm, foodie, animal lover, significant other, kid or geek in your life.
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It Doesn't Stay in Vegas - The Saga of The Unorthodox Gentleman [Kindle Edition]
Joe Osborne (Author)
LinkyBook Description
Publication Date: November 20, 2012
Perverted, racially insensitive, and totally bizarre... But at least he has a good heart.It Doesn't Stay in Vegas is the story of four friends who travel to Vegas on a quest for provocative sexual encounters, while consuming irresponsible amounts of alcohol and narcotics. Experience the journey through the delusional mind of The Unorthodox Gentleman, whose unique observations and assumptions drive the drug and booze fueled story of a once in a lifetime trip.Unfortunately, its not all fun and games as the contrasting group of friends is continually faced with unusual predicaments, usually brought on by their own destructive and unsophisticated behavior.It Doesn't Stay in Vegas captures the essence of Las Vegas distinct culture and is a must read for anyone with an interest in Sin City.Follow The Unorthodox Gentleman on Twitter @utxgent.
___________________________________________________________________ Travel With Me; St.Malo and The Mont St. Michel [Kindle Edition]
Christine Pointeau (Author)
LinkyBook Description
Publication Date: July 11, 2012
As part of the Art House Co-Op Sketchbook Project 2012 World Tour, the author took inspiration from a family trip to France for her art work.Sketches done using trip photographs fill her book with endearing illustrations in various mediums, each accompanied with a personal anecdote.Available in paperback format.
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A Good Kind of Knowing [Kindle Edition]
Kathy Lynn Harris (Author)
LinkyBook Description
Publication Date: October 21, 2012
Imagine if Maeve Binchy grew up in Texas and wrote an old-school Larry McMurtry novel. Think Hope Floats meets High Fidelity.Thats how critics are describing A Good Kind of Knowingfrom the author of the highly acclaimed and number-one Amazon bestseller, Blue Straggler.A Good Kind of Knowing is a novel about the power of music and friendship, the relationship two-steps that go on in old Texas dancehalls, and the secret to finding just a little bit of common ground in a world full of distrust.What readers are saying:
Engaging, emotionally accurate, visual and funny.You pulled me right in.I feel like Im right thereI can feel the Texas heat and see the small town and the people who populate it.The characters are diverse and interesting, and each has a unique personality that adds to the entire canvas of the story.I know these people. Whats more, I like them, even despite their faults.My head is full of your story. It took me only two and a half days to read the book cover to cover, which means I was doing it every spare minute.The pace is comfortable, the characters rich and colorful. The events are anything but predictable; I was always wondering whats going to happen next.Sera Taylor's store is the one place in Lakeville, Texas, where individuals from all walks of life share a universal love for music and a respect for the gypsy-like woman behind the antique glass counter. Readers get a taste of the unorthodox connection between Sera and Mack, a young local cowboy and musician, and Seras previously untested devotion to her husband Bill. They learn of her relationship with Ruby D., the vibrant but misguided mother of five; with Louie, the shy high school band director; with Beverly, the religious, upper-class socialite; with Antonio, a local bar owner striving to make a life for himself; with Tommy Lee, a rich and directionless gigolo; and with Wes, the only out-of-the closet gay man for miles. As Sera battles a serious illness, the characters must overcome long-held stereotypes to save Seras store, and in the end, large parts of themselves.
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Film Critic: A Decade Behind the Scenes in the Movie Industry [Kindle Edition]
Laremy Legel (Author)
LinkyBook Description
Publication Date: February 5, 2013
BOOK DESCRIPTION
"Film Critic: A Decade Behind the Scenes in the Movies Industry" is an insider look at the world of criticism, celebrity interviews, and movies. Ever wanted to know how a professional critic goes about his or her job? "Film Critic" alternates between hilarious and serious, all with the goal of entertaining the reader. So yeah, it's pretty much the opposite of "Indiana Jones and the Kingdom of the Crystal Skull". Enjoy!REVIEWS
Laremy crushes it as he goes behind the scenes of film criticism and gives some of his best and worst experiences working as a film critic, the pros and cons of going into work full time as a critic, and breaks down exactly why criticism of films is warranted at all. It's funny and smart and fairly quick read. Highly recommended. - The Cradleman (Amazon Verified Purchase)AUTHOR BIO
Pop culture maven Laremy, a Seattleite with a heart of gold, has traveled to Hollywood and back to bring you some laughs, entertainment, and perhaps a thinker or two. His favorite series in the world is Douglas Adams's "Hitchhiker's Guide to the Galaxy" and he can be found walking his golden puggle Bugsy each and every night.Laremy was recently interviewed by Indiewire.com:
http://blogs.indiewire.com/criticwire/an-interview-with-film-cri...Chapters include:
Matt McConaughey
Spike Lee
Joss Whedon
Kristen Stewart
Darren Aronofsky
Joan Cusack
Adam Carolla
Podcasting
Radio and Television Appearances
Screenings
Screeners
The Highs and Lows of Sundance
Expertise vs. Enthusiasm
Great Expectations
What Makes a Masterpiece?
Why The MPAA is Terrible
The Reader vs. The Dark Knight
Tucker Max
Bribes
The Critic / General Public Divide
Commenters
Disagreeing with RottenTomatoes
The Notebook
Babel
V for Vendetta
The Dark Knight
Inglourious Basterds
G.I. Joe: The Rise of Cobra
The Review That Ended up Costing Me a Job
Novels and Screenplays
Writing Gossip
Should You Write for Free?
FAQs
In Defense of Film Criticism
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A Little Bit of Everything For Dummies [Kindle Edition]
John Wiley and Sons (Author, Other Contributor)
LinkyBook Description
Publication Date: November 16, 2011
Twenty years ago the very first For Dummies book, DOS For Dummies, was published. From that first printing of that first book came a series unlike anything in the publishing world, one that is global in both geography - we have been published worldwide in some 30 languages - and in coverage. No single volume can hope to summarize what thousands of titles have meant to millions of readers over the years, and we don't claim to do that in this e-book. Rather, this e-book celebrates the breadth and depth of the For Dummies series, offering 20 chapters - in honor of our 20 years - from a list of books compiled by our global colleagues. We are confident the chapters we've included give you a representative glimpse at why - no matter what the topic - our products have meant so much to so many by Making Everything Easier. We've grouped our chapters into five main parts:Part I: Dummies Classics, offers four chapters from some of our best-loved books. There's a chapter from DOS For Dummies, the book that started it all, and chapters from two of our best-sellers: Windows 7 For Dummies and Sex For Dummies. And just for a bit of spice, we've included a chapter from French For Dummies.Part II: Daily Dose of Dummies, offers the kind of lifestyle, self-help, and business skills that our readers have come to treasure. There's one of our famous Part of Tens chapters from Cognititive Behavioural Therapy for Dummies and a chapter from Meditation For Dummies to help you get your center. Chapters from Leadership For Dummies and Marketing For Dummies help you develop new skills for the marketplace.Part III, Fun with Dummies, celebrates life and all it has to offer. We've got chapters here from The Royal Wedding For Dummies, Guitar For Dummies, Digital Photography SLR All-in-One For Dummies, Puppies for Dummies, Knitting For Dummies, and Wine For Dummies.Part IV, Get Social, highlights how we help you grow and develop new skills. Chapters here come from Facebook For Dummies, Social Media Marketing For Dummies, and Dating For Dummies.Part V, Going Global, shares the worldwide appeal of the For Dummies series. These chapters from British History For Dummies, Canadian History For Dummies, and Rugby Union For Dummies were created by our global colleagues and authors and show how the For Dummies approach applies not only to whatever the subject is at hand, but also wherever the discussion is taking place.
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Kidowed [Kindle Edition]
Jessica Kenley (Author)
LinkyBook Description
Publication Date: July 3, 2012
In this book you'll find the the struggles, sorrows, and triumphs of the author after she has two children with a rare and universally fatal genetic disease. As she travels through her hellish journey, you will experience unexpected humor, endless love, and learn how strong one family can be while they walk beside her.
_______________________________________________________________________________________Lost Wife, Saw Barracuda - True Stories from a Sharm El Sheikh Scuba Diving Instructor [Kindle Edition]
LinkyBook Description
Publication Date: December 1, 2010
The Funniest Diving Book in YearsLeading Magazine ReviewsIts as authentic as it is hysterical. Its a chuckling page-turner. Dive Gear Reviews USAA beautifully written and rare diving book. Diver Magazine UKVery funny, honest and entertaining. The Egyptian Chamber of Diving and Water SportsEver wanted to jack it all in and start a new life in Egypt? The scuba diving resort of Sharm el Sheikh has been one of the worlds best kept secrets. It only hits the news in times of mishap but behind the scenes of this hugely popular and vibrant city are hundreds of ex-pats living the dream of a life in the sun.John Keans hilarious book, Lost Wife, Saw Barracuda True Stories from a Sharm el Sheikh Scuba Diving Instructor is an inside fly-on-the-wall look at the ups and downs of swapping the rat race for a life in Sharm el Sheikh. It is frank, honest and gripping in sometimes epic proportions, but the humor and magnetic appeal of Sharm el Sheikh and Egypt shines through every time in this beautifully written true story.Over a decade, this mild-mannered, ex-stockbroker has been chased by aggressive sharks, had a 737 airliner drop from the sky into the sea, broken four bones, been arrested three times and finally, blown up by terrorists. On the plus side, Sharm el Sheikhs outstanding natural appeal, year round sun and amazingly talented and friendly community of Egyptian and ex-pat residents has made it a home from home, free of the stresses of everyday life in Europe.Unlike other fly on the wall or inside books, John actually takes you along with him for the ride. His accounts are genuine, highly informative and very funny. Turning tragedy and mishap into humor is the books strength and youll find a laugh on nearly every page.The story is heavily upstaged by the comical antics of five, highly entertaining characters coming to terms with neutral buoyancy, hangovers and Egyptian taxi drivers. The legendary exploits of the latter are awarded an entire chapter where were introduced to, Airbag, Sharm el Sheikhs worst driver and in contrast, Joseph, who takes up the offer of a job swap, gives John his taxi and becomes a scuba diver for the day!The most dramatic chapter of Lost Wife, Saw Barracuda is the vivid, minute-by-minute account of dive staff involvement during the Sharm bombings in July 2005. This rare civilian insight of a grand scale terrorist attack shows the human cost of those caught up and the tremendous resolve of unlikely rescuers in preventing further loss of life.Despite occasional tragedy, Lost Wife, Saw Barracuda is a positive book that will thrill and entertain, portray scuba diving as an engaging and enjoyable sport and show readers the brighter side of Sharm el Sheikh in Egypt. Anyone can read and enjoy this wonderfully funny story.Its a must read if youve ever been even remotely near water!About The AuthorJohn Kean is a professional diver and writer who, following a scuba holiday to Egypt in 1997, gave up the rat race for a new life in Sharm el Sheikh. His other titles include the definitive, SS Thistlegorm The True Story of the Red Seas Greatest Ship Wreck.John has written feature articles for several international dive and travel magazines, been interviewed on national television and is also a regular guest speaker at UK dive shows. He has completed over 5,500 dives and holds a master instructor rating with the leading scuba training agency, however, he counts his most important qualification as having an equal number of ascents and descents.
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How To Turn Fear Into Confidence - A Superhero Success Guide To Conquering Fear! [Kindle Edition]
TW Walker (Author)
LinkyBook Description
Publication Date: November 11, 2012
Fear is one of the most lethal adversaries of anyone, particularly those who are small business owners and aspiring entrepreneurs. In the Superhero Success expanding series of books and ebooks, small business Coach TW Walker provides the core of his business mentoring advice with a breakdown of overcoming fear, how it debilitates growth, and how to contain it forever with "How To Turn Fear Into Confidence".Leadership development starts with self confidence, and once you have self confidence then beating fear is easy. No longer does fear of failure have to hold you back from achieving success in anything you do...The original Superhero Success book has received endorsements from the Napoleon Hill Foundation (of Think And Grow Rich) as well as James Malinchak of ABC's Secret Millionaire, and Scott Alexander of the best selling Rhinocerous Success book series. Now, the Superhero Success brand is expanding to include a more in depth -yet still fun- look into other topics of interest to people who want to succeed in various aspects of life and business.Are you ready to strap on your cape?
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Please! Stop My Baby Brother From Crying (Childress Children's Book Series) [Kindle Edition]
Geryn Childress (Author)
LinkyBook Description
Publication Date: February 20, 2013
"Funny!" " Hilarious!" "Modern day version of Dr.Seuss" are some of the things that have been said about "Please! Stop My Baby Brother From Crying" the 3rd release in the Childress Children's Book Series, with many more to come this book is sure to bring a smile to your face, another classic.
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Maddening and Marvelous Motherhood [Kindle Edition]
Christine Carter (Author)
LinkyBook Description
Publication Date: January 3, 2012
This book is an honest, humorous, and heartwarming take on motherhood. A stay-at-home mother writes about her child-rearing challenges and triumphs, as she shares stories that will make you laugh out loud. Her candid nature is refreshing and her thoughts are well worth reading. In her own unique way, she encourages all mothers to be their best. The book draws from stories located on the authors website at TheMomCafe dot com.
Amazon currently has the 5th Generation iPod Touch 64GB in white, yellow or pink for $269.99!
Price includes free shipping, and no tax to most states!"Items sold by Amazon.com LLC, or its subsidiaries, and shipped to destinations in the following states are subject to tax:Arizona, California, Kansas, Kentucky, New York, North Dakota, Pennsylvania, Texas, Washington"
Good price as Amazon currently has the 32GB 5th Gen iPod Touch for the same price!
Target for example has the 32GB iPod Touch 5th Gen for $295 plus tax, but will include a $20 gift card, thus $275 plus tax.
This is a better deal especially for the tax free states.
Google shopping has various retailers selling same iPod for $365!
Black, Blue, and pink $369 on Amazon.White LinkyPinky LinkyYELLOW NOW OUT OF STOCK
Amazon Coupons
help with 1099-OID - where's my deduction?
Added on : Saturday April 06th 2013 05:01:13 PM
I started a thread about this last year, but it's archived, so I can't bump it.http://www.fullofdeals.com/forums/finance/1180442/Essentially, I need someone to explain to me the tax implications of this thing that I bought (and subsequently sold, mainly because I was hoping to avoid tax-related headaches, but also because I didn't really understand it). The prospectus for the position in question can be found here.I was the original purchaser of my shares in 2008, and it was a principal-protected note, contingent on me holding it for the full five years. However, I sold my shares at a slight loss on June 29, 2012. According to the phone rep I spoke to, I held the note for 184 days in 2012, which is approximately correct, although I don't know how they arrived at that exact number of days, since the sale was 6/29 and the settlement date was 7/5. Anyway, it doesn't really matter.Copied from pages 21-23 of the prospectus:prospectus said: Under the Foreign Currency Regulations, the rules applicable to debt instruments that provide for payments determined by reference to multiple currencies depend on the denomination currency of the debt instrument. Because the present value of the principal payment, which is a fixed U.S. dollar amount, is greater than the present value of the projected amount attributable to the Basket Currencies, the denomination currency of the Notes is the U.S. dollar. The Foreign Currency Regulations provide that the Notes consequently will be taxed pursuant to the rules contained in the Contingent Debt Regulations.

Taxation of Interest. A U.S. Holder of a Note will recognize income (or loss) on a Note in accordance with the Contingent Debt Regulations. The Contingent Debt Regulations require the application of a noncontingent bond method to determine accruals of income, gain, loss and deductions with respect to a contingent debt obligation. As described in more detail in the second and third succeeding paragraphs, under the noncontingent bond method, a U.S. Holder of a Note will be required for tax purposes to include in income each year an accrual of interest at the annual computational rate of 5.62%, compounded semi-annually (the comparable yield). The comparable yield is based on a rate at which Citigroup Funding could issue a fixed rate debt instrument with terms comparable to those of the Notes and no contingent payments. In addition, solely for purposes of determining the comparable yield pursuant to the Contingent Debt Regulations, a U.S. Holder of a Note will be assumed to be entitled to receive, in respect of each Note, annual coupon payments of US$40.00 on July 30, of 2009, 2010, 2011, 2012, and 2013, and a payment of US$1095.20 at maturity (the Projected Payment Amount). The Projected Payment Amount is calculated as the amount required to produce the comparable yield, taking into account the Notes issue price, and any non-contingent payments to be made on the note prior to maturity.

The comparable yield and the Projected Payment Amount are used to determine accruals of interest FOR TAX PURPOSES ONLY and are not assurances or predictions by Citigroup Funding with respect to the actual yield of or payment to be made in respect of a Note. The comparable yield and the Projected Payment Amount do not necessarily represent Citigroup Fundings expectations regarding such yield or the amount of such payment.

Each note will be issued at par. However, there will be original issue discount for U.S. federal income tax purposes (Tax OID) because a U.S. Holder must accrue income at the comparable yield. Under the Tax OID rules of the Internal Revenue Code of 1986, as amended (the Code), and the Treasury regulations promulgated thereunder, a U.S. Holder of a Note, whether such holder uses the cash or the accrual method of tax accounting, will be required to include as ordinary interest income the sum of the daily portions of Tax OID on the Note for all days during the taxable year that the U.S. Holder owns the Note. As a result, U.S. Holders of Notes, including U.S. Holders that employ the cash method of tax accounting, will be required to include amounts in respect of Tax OID accruing on Notes in taxable income each year regardless of whether holders receive more, less or no payments on the Notes in tax years prior to maturity. The Tax OID amounts for 2009, 2010, 2011, 2012, and 2013 take into account the payment of the annual coupons on July 30, of 2009, 2010, 2011, 2012 and 2013 respectively. Accordingly, U.S. Holders should report only the Tax OID for 2009, 2010, 2011, 2012, and 2013, and should not also include any separate amount in income as a result of the annual coupon payments.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

U.S. Holders should be aware that the information statements they receive from their brokers (on an Internal Revenue Service Form 1099) stating accrued original issue discount in respect of the Notes may not take net negative or positive adjustments into account, and thus may overstate or understate the holders interest inclusions.

Disposition of the Notes. When a U.S. Holder sells, exchanges or otherwise disposes of the Note (including upon repayment of the Note at maturity) (a disposition), the U.S. Holders gain (or loss) on such disposition will equal the difference between the amount received by the U.S. Holder for the Note and the U.S. Holders tax basis in the Note. A U.S. Holders tax basis (i.e., adjusted cost) in a Note will be equal to the U.S. Holders original purchase price for such Note, plus any Tax OID accrued by the U.S. Holder and less the amount of any payments received by the holder while holding the Note.

If the amount received on the Note at maturity exceeds the Projected Payment Amount, the U.S. Holder will be required to include any such excess in income as ordinary income. Alternatively, if the amount received at maturity is less than the Projected Payment Amount, the difference between the Projected Payment Amount and the amount received at maturity will be treated as an offset to any interest otherwise includible in income by the U.S. Holder with respect to the Note for the taxable year in which maturity occurs, but only to the extent of the amount of such includible interest. Any remaining portion of such shortfall may be recognized and deducted by the U.S. Holder as an ordinary loss to the extent of the U.S. Holders previous Tax OID inclusions with respect to the Note.

On a disposition of a Note other than repayment of a Note at maturity, any gain realized by a U.S. Holder will be treated as ordinary interest income. Any loss realized by a U.S. Holder on a disposition will be treated as an ordinary loss to the extent of the U.S. Holders Tax OID inclusions with respect to the Note up to the date of disposition. Any loss realized in excess of such amount generally will be treated as a capital loss. An individual U.S. Holder generally will be allowed a deduction for any ordinary loss without regard to the two-percent miscellaneous itemized deduction rule of Section 67 of the Code. Any capital loss recognized by a U.S. Holder will be a long-term capital loss if the U.S. Holder has held such Note for more than one year, and a short-term capital loss in other cases.

Information Reporting and Backup Withholding. Information returns may be required to be filed with the IRS relating to payments made to a particular U.S. Holder of Notes. In addition, U.S. Holders may be subject to backup withholding tax on such payments if they do not provide their taxpayer identification numbers in the manner required, fail to certify that they are not subject to backup withholding tax, or otherwise fail to comply with applicable backup withholding tax rules. U.S. Holders may also be subject to information reporting and backup withholding tax with respect to the proceeds from a sale, exchange, retirement or other taxable disposition of the Notes.The dollar amounts quoted in the prospectus are based on a principal investment of $1,000. My principal investment was $20,000, so we have to multiply everything by a factor of 20. The 2012 number is off because I only held the shares for approximately half the year. In total, I held the shares for about 47 months at 4% annual interest.According to my 1099s from each respective year, this was the amount of reportable, taxable, phantom OID income reported to the IRS, and on which tax was (or will be) paid:2008 - $475.94
2009 - $1147.50
2010 - $1167.50
2011 - $1188.65
2012 - $616.04TOTAL REPORTABLE TAXABLE INCOME: $4595.63Below, I've listed the amounts of actual physical money I received in interest that is non-reportable to the IRS:2008 - $0
2009 - $800
2010 - $800
2011 - $800
2012 - $744.44TOTAL ACTUAL INTEREST RECEIVED IN PHYSICAL MONEY: $3144.44DIFFERENCE (-$1451.19)Questions: (1) According to the first bolded paragraph that states there will be a payout of $1095.20 at maturity, am I correct in interpreting that figure is used for tax purposes only, since that's the amount that would be required to match the 5.62% annual (phantom) interest on which the comparable yield is based? What this means I think, is there won't actually be a payment of $1095.20 unless the face value of the note dicates such a payment? In other words, $1000 of the $1095.20 is a return of principal, while the other $95.20 is an estimate of an increase in value of the principal at maturity?(2) Next, it is my understanding that at some point, I will be entitled to claim a deduction or capital loss of $1451.19, which I expected would be reflected in the 2012 1099 I received from the institution housing the account in which these shares resided. That is not the case. Is this because the note has not yet matured?(3) Is the financial institution ever going to issue any kind of 1099 reflecting this loss? If not, how do I go about claiming this $1451.19 deduction or loss? Do I have to simply claim it and attach a note to my 1040 explaining it? Should I claim it in 2012 (when I disposed of my shares) or wait until 2013 (when the note finally matures)? Is it a deduction against ordinary income or a capital loss?
Kindle Books 4/6/13
Added on : Saturday April 06th 2013 07:00:42 AM
As always, only guaranteed FREE at time of posting. All will have 4-5 stars, and there will be a mixture of genres, and books both new & old. I';; try to post more later, and please add any you find...The Rock Star's Daughter (The Treadwell Academy Novels) [Kindle Edition] (Teens)
http://www.amazon.com/Daughter-Treadwell-Academy-Novels-ebook/dp...
Pub. 7/5/11At the age of 15, Taylor Beauforte has only met her father twice in person. After all, he is the lead singer of a world-famous rock band, constantly on the cover of music magazines and giving interviews on MTV. He pays for Taylor to attend the Treadwell Academy, a prestigious boarding school in Massachusetts, and provides her mother with monthly checks to cover her basic needs, but has never made much of an effort to play an active part in Taylors life. Taylor's mom Dawn is the only family she has ever really known, and because of Dawn's hard-partying Hollywood lifestyle, studious Taylor is happiest on the other side of the country in Massachusetts with her nose buried in a book.
When Taylor 's mom unexpectedly dies the summer before Taylor starts her junior year, she receives a crash course in fame. She has no choice but to join her father and his new family on their summer concert tour before she has even had a chance to mourn the loss of her mother. Life as the daughter of a rock star seems like it would be enviable, but Taylor can't figure her dad out. He seems like a supportive authority figure (even if he's kind of a fashion tragedy) , but she is collecting a growing pile of evidence that he's a liar and a cheat. Her stepmother, Jill, cant seem to decide if she wants to treat Taylor like a girlfriend or a nuisance. Having had no time to grieve and say goodbye to her childhood before being thrust into the limelight, Taylor is suddenly finding herself in situations she could have never imagined before this summer.
With no one else to turn to, Taylor falls head over heels in love with Jake, the teenage son of one of the band's touring groupies. Taylor has growing concerns about Jake's background and the suspicious relationship between his mom and her own father, but is desperate for something real in her life onto which she can build a future. When Jake offers Taylor an opportunity to join him on a whirlwind adventure and leave her problems with her father far behind, Taylor has to decide should she carve out her own way in the world, or try to repair the relationship she has with her only living parent?
Over the course of the summer with the band, Taylor learns the depths of her own strength, the difficulty of overcoming loss, and that the definition of family means much more than shared bloodlines.Publishers Advisory: This book is intended for readers aged 12 and above. This book addresses topics of grief, infidelity, and includes romantic situations and mild language. We encourage parents to address mature topics associated with the difficult decisions of growing up with teen readers.=============================================
Rippler (The Ripple Trilogy by Cidney Swanson) [Kindle Edition] (Teens)
http://www.amazon.com/Rippler-The-Ripple-Trilogy-ebook/dp/B0052Z...
Pub. 3/08/13Over Two Weeks on the Amazon Teen Bestseller List!
When Samantha Ruiz turns invisible in front of team mates on a rafting trip,she knows something's wrong with her. According to her knowledgeable
friend Will, she's got a rare genetic disorder. Fearing a lifetime
sentence as a lab-rat, Sam wants to keep her ability secret. But she
also wants to know if there's a connection between dark Nazi experiments
on others like her and her own mother's death eight years earlier. At
the same time that Sam is sleuthing, she's falling hard for Will. And
soon, she'll have to choose between keeping her secrets hidden and
keeping Will safe.
========================================================30 Juices in 30 Days: Juicing Recipes for Health and Beauty [Kindle Edition]
http://www.amazon.com/30-Juices-Days-Juicing-ebook/dp/B00ATFVQYK...
Pub. 12.25.12One Month to a Healthier You
In Jeanene Kerr's "30 Juices in 30 Days: Recipes for Health and Beauty", you're going to get her exact steps for creating easy, healthy, and delicious juice recipes anyone can make. The benefits of juicing are immense, and in Kerr's book you'll find juice recipes not only for beautifying, but also to treat your body to nutrients we sorely need. Who has the time to eat 5 servings of vegetables and 4 servings of fruit every day? These juice recipes will allow you to get a super-fast, 15 minute infusion of nutrients your body needs through juicing. Processed foods take anywhere from 6 to 20 hours to fully digest. Vegetable and fruit juices get into your bloodstream and make you feel good in as little as 15 minutes! Included in the book are 30 full juice recipes that will: - Give you glowing, youthful skin and wrinkle fighters
- Energize your mood and strength
- Lower blood pressure and give you a healthier heart
- Aid in weight loss and recipes for meal replacements
- Boost your immune system with antioxidant-rich ingredientsOne juice per day for a month will leave you feeling like a new person. Your body will reward your healthy habit by not only feeling more energized -- you'll start to look healthier, too! That means clearer skin, softer hair, and stronger nails -- and this is just the beginning. These beautifying details are side effects of a healthy lifestyle, and you can have it all just by juicing. Juicing is so easy, anyone can do it. Most recipes are only 5 ingredients or less and take only minutes to make. Best of all -- they're plain ol' delicious! Jeanene shows you how to make any juice delicious with the addition of particular ingredients. Bonus: What to do with all the leftover juice pulp? Don't just throw it away! Jeanene includes a signature recipe for a tasty juice pulp cake and muffins. Baked goods have never tasted so good, while being so good for you.
===========================================================Juicing Recipes For Oranges (Benefits Of Juicing) [Kindle Edition]
http://www.amazon.com/Juicing-Recipes-Oranges-Benefits-ebook/dp/...
Pub. 3/29/13This information was developed by my family to help us enjoy the benefits of juicing. We always grew a garden every year and juicing was a great way to use the ripe fruits and vegetables that we were fortunate to gather throughout the growing season.This book focuses on a favorite of most people--Orange Juice and many tasty combinations with other fruits and vegetables to add variety to this favorite juice.There are three ways to enjoy fruits and vegetables or a combination of fruits and vegetables. Eating, juicing or blending.You will need to try out juicing or blending to see which one will work for your lifestyle. Exploring the options or adding the option that will work for you will make it easy for you to enjoy more fruits and vegetables in your diet.
===================================================Just Desserts [Kindle Edition]
http://www.amazon.com/Just-Desserts-ebook/dp/B00AK3RB7W/...
Pub. 12/6/1244 recipes for festive desserts and drinks for the holiday season, all contributed by the wonderful authors and staff at Tirgearr Publishing.This book is a celebration of our publishing year and instead of the traditional Christmas card, we thought we would put together a book of our favorite festive recipes.All the authors and staff have given their recipes and time to make this book without remuneration.** All proceeds from the sale of this book go to charity. **DESSERTSBe Still My Heart Banana Nut Bread by Patricia McAllister
Bread Pudding by Kemberlee Shortland
Canadian Christmas Pudding with Rum Sauce by Lynette Willows
Cappuccino Mousse by Christine McPherson
Chocolate Fondue by Stephanie Johnson
Chocolate Seduction Cake by Charlene Raddon
Cream Cheese Cookies by Dellani Oakes
Crumbs Crumble by Cathy Mansell
Dark Dream Bites by K.A. Laity
Divinity Fudge by R.L. McCoy
Individual Apple Sponges by Christine McPherson
Irish Brack by Cathy Mansell
Irish Pancakes with Sugar and Lemon by Peter Shortland
Magpie Pie by K.A. Laity
Mexican Wedding Cookies by Scarlett Valentine
Mince Pies by Peter Shortland
Mini Filo Dessert Bites by Isabo Kelly
Oatmeal Cookies by Charlene Raddon
Pecan Pie by R.L. McCoy
Pumpkin Pie by Amanda Stephanie
Pumpkin Roll by Carley Bauer
Pumpkin Spice Bread by Amanda Stephanie
Raspberry-Topped Lemon Pie by Charlene Raddon
Red Velvet Cupcakes by Scarlett Valentine
Rich, Thick and Chocolate Brownies! by Christy Nicholas
Rum Balls by Kristi Ahlers
Savarin Cake by Charlene Raddon
Shes My Cherry Pie by Scarlett Valentine
Shortbread Cookies by R.L. McCoy
Sugar Cookies by Kristi Ahlers
The Real Deal Baked Cheesecake by Patricia McAllister
Walnut Spice Cookies by Isabo KellyDRINKSBrandy Eggnog by Dellani Oakes
Ginger Snap Martini by Stephanie Johnson
Hogmanay by Stella Whitelaw
Holly Berry by Stella Whitelaw
Hot Apple Cider by Kemberlee Shortland
Hot Butterscotch Chocolate by Christy Nicholas
Hot Chocolate Mix by Dellani Oakes
Mulled Cranberry Juice by Lynette Willows
Peppermint Martini by Stephanie Johnson
SnowFall (not Snowball) by Stella Whitelaw
The Manchester by C. Margery Kempe
The Swan Prince by C. Margery Kempe
========================================================Get High Eat Well - Pot Smoker's Guide To the Munchies [Kindle Edition]
http://www.amazon.com/Get-High-Eat-Well-ebook/dp/B00BRYQM2I/...
Pub. 3/09/13Get High Eat Well - Pot Smoker's Guide To the Munchies is the go-to guide or the essential food bible for the food passionate and herbal connoisseur. If you just love to eat damn good food then this is creme da le creme ladies and gentleman.A peculiar phenomenon associated smoking marijuana is increased hunger... This phenomenon is often called, Having the munchies." Research actually shows that smoking marijuana increases food enjoyment and the number of times a person eats each day.So why not be ready? Why not prepare yourself for the "munchies?" World renown Marijuana Enthusiast, "The Pathfinder" shares with YOU, the recreational pot smoker, his very best munchies recipes. Painstakingly researched and compiled over many years of both pot smoking and gourmet cooking, The Pathfinder has created a ONE OF A KIND insider's guide to satisfying those munchies like they've never been satisfied before.Munchies were a relative mystery until recently... However, a recent study by Italian scientists very likely explains what happens to increase your appetite after smoking marijuana. Molecules called endocannabinoids bind with receptors in the brain and activate hunger pangs thereby creating the "munchies."You know you're going to give in to the munchies anyway, so why not give in GOURMET STYLE?
===========================================================Go Veggie! The New Vegetarian Cusine [Kindle Edition]
http://www.amazon.com/Veggie-The-Vegetarian-Cusine-ebook/dp/B00A...
Pub. 11/04/12More and more people want to enjoy a healthy diet, and are discovering the delights of vegetarian cuisine. Go Veggie! contains the entire richness of meatless cuisine that lacks nothing!Whether a quick meal during the working week or a clever recipe to delight guests, everything is explained clearly, step by step, and the many photographs make sure that even beginners can enjoy culinary success. The dishes are all combinations of lots of fresh vegetables, carbohydrates and the important plant proteins such as nuts, legumes, dairy products and eggs healthy and delicious! Go Veggie! will also show you how the protein foods tofu, seitan, and tempeh can be made into delicious dishes.
-----------------------------------------------Lonely Planet Across Asia on the Cheap [Kindle Edition]
http://www.amazon.com/Lonely-Planet-Across-Cheap-ebook/dp/B00BG3...
Pib. 2/01/13Lonely Planet: #1 Travel publisher in the world*
Lonely Planet Across Asia on the Cheap is a reprint of the very first Lonely Planet guide, originally published in 1973. It gives anyone interested in travel a unique insight into how Lonely Planet began and an idea of what it was like to travel Overland from Europe to Asia, 40 years ago. Inside Lonely Planet Across Asia on the Cheap Introduction to the Lonely Planet story
Latest eBooks Discover how far Lonely Planet's books have changed over the last 40 years
Country by country get an understanding of what it was like to travel Overland in the 70s... ideal for the armchair traveller eBook Features Seamlessly flip between pages
Quickly find what you are looking for with search capabilities
Use bookmarks to quickly return to a page
Add notes by touching a word to personalize your guidebook
Inbuilt dictionary allows you to quickly look up the meaning of any word
=========================================================Adventure Travel - 16 stories from a world traveller hoping to provide little inspiration for your next travel... by Ian Usher
http://www.amazon.com/Adventure-Travel-traveller-inspiration-ebo...
Pub. 4/29/12When Ian Usher put his "life" up for sale on eBay in 2008, he had no idea where life's adventure was going to take him next. Asked many times in interviews, "What will you do once you have sold your life?", his usual glib response was, "Anything I like, really!"But what did he really want to do next? After some frantic list writing, and last-minute planning, a two-year adventure developed - a list of 100 lifetime goals, and a challenging timeline of 100 weeks! This book details a few of the more adrenaline-fuelled and adventurous activities found along the way. The amazing adventures chronicled here include:-Bungee jump #1
Tomatina
High-diving
Oktoberfest
Hawk flying
Guns
Jet boat
Horse riding
Dog sledding
Captain Zodiac
Outback 4WD
Ayers Rock/Uluru
Kitesurfing
Cheese rolling
Wall of Death
Running with the bulls at PamplonaThe book also includes photos, and links to videos of many of the adventures too. Who could fail to be inspired to get out there and experience some of the adventure that the world has to offer?
=============================================================Candle in the Darkness (Refiner's Fire Book #1) (Refiner's Fire) [Kindle Edition]
http://www.amazon.com/Candle-Darkness-Refiners-Fire-ebook/dp/B00...
Pub. 1/01/02Book 1 in the Refiner's Fire series. The daughter of a wealthy slave-holding family from Richmond, Virginia, Caroline Fletcher is raised in a culture that believes slavery is God-ordained and biblically acceptable. But upon awakening to the cruelty and injustice it encompasses, Caroline's eyes are opened for the first time to the men and women who have cared tirelessly for her. Her journey of maturity and faith will draw her into the abolitionist movement, where she is confronted with the risks and sacrifices her beliefs entail.
===================================================Modern Buddhism: The Path of Compassion and Wisdom - Volume 1 Sutra by Geshe Kelsang
http://www.amazon.com/Modern-Buddhism-Compassion-Wisdom-ebook/dp...
Pub. 4/16/11Introduction and EncouragementThis eBook Modern Buddhism The Path of Compassion and Wisdom, in three volumes, is being distributed freely at the request of the author Geshe Kelsang Gyatso (the Kindle Store sets the minimum price at 99 cents and also additional taxes are added in many countries). The author says: Through reading and practicing the instructions given in this book, people can solve their daily problems and maintain a happy mind all the time. So that these benefits can pervade the whole world, Geshe Kelsang wishes to give this eBook freely to everyone.We would like to request you to please respect this precious Dharma book, which functions to free living beings from suffering permanently. If you continually read and practice the advice in this book, eventually your problems caused by anger, attachment and ignorance will cease.Volume 1 Sutra explains how to practise basic Buddhist compassion and wisdom in daily life. Covering topics such as What is Buddhism?, Buddhist Faith, The Preciousness of our Human Life, What does our Death Mean?, What is Karma?, The Four Noble Truths & Training in Love and Compassion, this volume shows how we can transform our lives, improve our relationships with others and look behind appearances to see the way things really are.Please enjoy this special gift from Geshe Kelsang Gyatso, who dedicates: May everyone who reads this book experience deep peace of mind, and accomplish the real meaning of human life.
====================================================Your Happily Ever After by Dieter F. Uchtdorf (May 25, 2012) - Kindle eBook
http://www.amazon.com/Your-Happily-Ever-After-ebook/dp/B00867483...Sometimes we need a reminder that life was never all sunshine and roses for fairy-tale princesses. Before the true love's kisses and happily ever afters, there came once upon a times of poisoned apples, spindle pricks, and impossible tasks.Speaking to the princesses of our Heavenly King, President Dieter F. Uchtdorf compares their challenges to those faced by famous fairy-tale heroines. Recounting Belle's captivity, Cinderella's servitude, and the sacrifices of the miller's daughter, President Uchtdorf emphasizes that each princess had to overcome adversity before she reached her happily ever after.Your Happily Ever After is an inspiring and uplifting message that will encourage latter-day princesses to focus on God's plan, to find happiness in service, and to embrace the blessings of the gospel.
=================================================================The Honor of the Queen (Honor Harrington) by David Weber (Mar 1, 2000) - Kindle eBook (Sci Fi)
http://www.amazon.com/The-Honor-Queen-Harrington-ebook/dp/B00BBI...RIGHT WOMAN, WRONG PLACEIt's hard to give peace a chance when the other side regards war as the necessary prelude to conquest, and a sneak attack as the best means to that end. That's why the Kingdom of Manticore needs allies against the so-called ""Republic"" of Haven--and the planet Grayson is just the right strategic place to make a very good ally indeed. But Her Majesty's Foreign Office had overlooked a ""minor cultural difference"" when they chose Honor Harrington to carry the flag: women on the planet Grayson are without rank or rights; Honor's very presence is an intolerable affront to every male on the planet.At first Honor doesn't take it personally; where she comes from gender discrimination is barely a historical memory, right up there in significance to fear of the left-handed. But in time such treatment as she receives from the Graysonites does become wearing, and Honor would withdraw if she could--but then Grayson's fratricidal sister planet attacks without warning and she must stay and prevail, not just for Honor's honor, but for her sovereign's, for--THE HONOR OF THE QUEEN.At the publisher's request, this title is sold without DRM (Digital Rights Management).
===============================================================Viewers (The Viewers Trilogy) by Scott Hawthorne (Mar 28, 2013) - Kindle eBook *Sci Fi)
http://www.amazon.com/Viewers-The-Trilogy-ebook/dp/B00C3N0C3M/re...
Pub. 3/28/13They can access alien technologies with only their minds. Captured by a psychopath, sixteen year old Glen Davies and his friends Alyssa and Neil must now choose between saving their loved ones and the subjugation of the planetSince the dawn of man, there have been Viewers. Leonardo Da Vinci, Issaac Newton, Albert Einstein, Bill Gates. People who, using only their minds, can tap into an alien internet and glimpse advanced technologies. Many of them think what they see comes from their own imagination. Others know better. For ages they have advanced our quality of life through their inventions and discoveries.But now, a mad man has decided to capture every viewer he can, and force them to use their abilities to create for him advanced weaponry with which he will conquer and subjugate every country on Earth. Their only way to stop him is if Glen and his fellow captive viewers fight back but to do so and fail would mean that they, their families, and loved ones would pay the ultimate price.
========================================================The Busy Writer's One Hour Plot by Marg McAlister (May 14, 2012) - Kindle eBook
http://www.amazon.com/Busy-Writers-Hour-Plot-ebook/dp/B0083FXTB6..."I have gone to writer's conferences for over 10 years now and have read most of the books out there on writing. Your One-Hour Plot book is the best tool I have read and heard about. It has completely changed how I write. I HATE outlining and plotting; I am a pantser. But, with your approach, I can do it and not hate it. Using the One-Hour Plot, I am able to create an easy outline. Thank you for writing so simply that I can understand and apply your advice immediately. (But, simplicity does not mean your books are not full of powerful material. On the contrary!)" Stacy DupleaseIf you're a busy writer who loves to write, but hates to plot... the One-Hour Plot System is just what you've been looking for!Lots of people have great ideas for a book. They're so excited that they just can't wait to fire up the computer and start writing. Dizzying visions of being a popular author with fans lining up for the next book have them bashing out page after page... for a few days. Or maybe even a few weeks. Then the harsh reality sets in. They take a day off writing The Novel, because they have come up blank. They can't seem to work out what should happen next... maybe a night off will help?The next day they still can't think of what to do next, so they take another day off. Uh oh. Is this the dreaded 'Writer's Block' they've read about??? Probably not. It's more likely to be You-Forgot-to-Plot-Your-Book Block. The sad truth is that while some writers can write day after day and plot 'on the fly', most of us need to have some idea of where we're going. It's not necessary to sit down and create a 40-page outline or spend days on character profiles (although you can if you want to!) but you will have a better chance of writing your book quickly and easily if:You know what your characters want,
You know why they want it, and
You know how they plan to get it.
That's where the Busy Writer's One-Hour Plot comes in. It shows you how to sit down with a timer and a handful of index cards, and work out a solid framework for your story... in just 60 minutes. But it doesn't stop there. It also shows you: How to prime the pump (so the ideas flow during that 60 minutes)
How to tweak your plot (you have the framework - now start fleshing it out)
How to use sub-plots
How to write a good ending
How to add a twist
Where to find further resources (because good writers are always thirsty for more knowledge!)
Everyone can spare an hour. At the end of it, armed with The Busy Writer's One-Hour Plot, you could also have the beginnings of your own best-seller. More comments from writers: "I've just tried the one-hour plot and loved it! I had no idea how the story would end so this surprised me... this is fast and doesn't let me procrastinate." Sharon Halasz "I closed the door. I muted the mobile. I set the timer for an hour. I started with an idea and I went from there... When the timer buzzed an hour later I had an outline of the plot: setting, character motivation, obstacles, action, character growth and the all-important ending. I had a working outline of my next novel!" Margaret Warner.
=======================================================================If Only I Could Read "Going to the Jungle" (Andy's Alphabet Adventures) by Heather Humbert (Mar 31, 2013) - Kindle eBook
http://www.amazon.com/Could-Jungle-Alphabet-Adventures-ebook/dp/...If Only I Could Read is a book series
"Andy's Alphabet Adventures Volume 1 "Going to the Jungle"
is a fun adventure with each alphabet letter colored for easy learning.
This book takes children on a fun adventure of ideas and imagination.
"If Only I Could Read" will inspire, encourages and teach children that
when they learn how to read and use their imagination...
they can go anywhere and do anything inside any book they are reading!
=========================================================================Understanding Credit Cards (Credit Cards 101) by Soluciones Tainas (Mar 25, 2013) - Kindle eBook
http://www.amazon.com/Understanding-Credit-Cards-101-ebook/dp/B0...Technology continues to advance everyday, with it so do advances in the economy. When it comes to financial resources, innovation; as a result of efficient financial system and services; has actually given individuals the best ways to manage their finances. One of great advances are Credit Cards. But just what are credit cards and how do we use them? How can you find the best one for your needs? This book gives you the basics of proper credit card adquisition, management and credit history maintenance.Est. Reading Time: 10 mins.
===============================================================Natural Mosquito Control: How To Get Rid Of Mosquitos Fast Without Toxic Chemicals or Insecticides (Organic Pest... by Stephen Tvedten (Mar 16, 2013) - Kindle eBook
http://www.amazon.com/Natural-Mosquito-Control-Insecticides-eboo...How To Kill Mosquitoes Without Pesticides or Toxic Chemicals Learn The Secrets of a Natural Bed Bug Pest Control Expert Everything you've been taught about killing mosquitoes is wrong! Learn how to: Kill Mosquitoes Instantly Without Any PesticidesDid you know that spraying pesticides to kill mosquitoes actually increases mosquito populations? This is because the same pesticides that "control" mosquitoes actually kill all the mosquito predators, including dragonflies. And the mosquitoes are much more resilient and respawn faster than their predators. So if you want an even worse mosquito problem, by all means start spraying pesticides. But if you want to get rid of your mosquito problems once and for all, read this book!
11 Natural Mosquito Repellents That Work Better Than DEETDEET and other chemical mosquito repellents aren't nearly as effective as natural insect repellents like catnip and 10 others you'll learn about in this book.
-=============================================================Ultimate Green Cleaning For Busy, Eco-Friendly People by Dylan Cruise (Mar 18, 2013) - Kindle eBook
http://www.amazon.com/Ultimate-Cleaning-Eco-Friendly-People-eboo...Discover how quickly and easily you can convert your home to an eco-friendly, sustainable, safe environment with Ultimate Green Cleaning! You'll learn of remarkable new eco-friendly technologies that save money and clean better than standard chemical cleaning. You'll discover simple, affordable solutions to replace many of the chemicals we use to clean our homes and automobiles. And You'll ultimately save money at the same time, as you won't be paying for over-priced, under-performing, potentially-dangerous chemical solutions for cleaning your home.Clean better. Clean safer. Clean faster. All natural, sustainable, and most importantly, effective solutions are provided in an easy-to-read, step-by-step format.Features and explains two new products that are just recently available to the marketplace, the e-cloth and the PureWash.
Kindle Books 4/5/13
Added on : Friday April 05th 2013 07:02:09 AM
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too -  You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).

Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Free Subscription to Hot Bike - FBM
Added on : Thursday April 04th 2013 07:00:44 AM
http://www2.freebizmag.com/10029612/welcome.htmlHot Bike is written for Harley-Davidson motorcycle owners and enthusiasts, and fulfills a unique niche in a vast marketplace, emphasizing the owner/rider's pride in and loyalty to America's only surviving motorcycle. Features include technical information, how-to articles, political updates, new product introductions, and product evaluations.
Education Help, Stuck Between Rock and Hard Place
Added on : Saturday March 30th 2013 01:00:57 PM
The me preface this by apologizing if this isn't finance related enough.I am currently a student in college (junior on paper, sophomore in real life), having earned 79 credits from this school, or AP credits, or transfers from another school when I was in high school.
I am currently going for computer engineering and have hit a point where things just are not being absorbed in school. I am failing every class but my GE for this semester and it isn't for a lack of trying. I went into this major because I am a tech enthusiast, I like the pay out of college, and because I'd almost be guaranteed a job out of school. I don't know if I'd enjoy sitting in an office all day designing technology as I spend almost my entire Summer outdoors.
I was looking to switch my major to something else but everything that I'm interested in requires a GPA higher than what I have (engineering has killed my GPA) and they require less than 75 credits to transfer into them (thanks to everything transferred from high school, that deadline has passed).
I have been going around to the various departments on campus to try to get an idea of what will happen if I drop classes, fail classes, etc. and to see what my options are but they are seeming sort of bleak at this point.
I refuse to take a semester off because I fear I would never return (and I'm sure my parents wouldn't be too fond of it either). My friend has rightfully called a college degree a "participation award" and there is no way I'm not going to get one.
I really, really dislike my school but attend because it is local and I live at home to save money (the FWF way I guess). I'm stuck between a rock and a hard place at the moment and I feel like if I don't act within the next two weeks, I won't be able to transfer to another school if that is what I decide to do because the deadlines will have passed and my GPA will just drop even lower.
Any advice would really be appreciated as there is a lot going on, the on campus support is not overly helpful, and they are all pretty big decisions.
Thanks.
Kindle Books 3/28/13
Added on : Thursday March 28th 2013 03:00:47 PM
Archena mentioned she'd been gone next week, but she may be gone today(?), so I'll start it off and hope she arrives. As always, only guaranteed FREE at time of posting!From Abused Puppy to Beloved Family Member: The Life Story of Jacob the Rottweiler [Kindle Edition]
http://www.amazon.com/gp/product/B005J4Z8OU/ref=oh_d__o00_detail...
Pub. 8/24/11
Follow the life journey of an abused Rottweiler puppy named Jacob to a new life in a forever home and see the effect he had on the couple who rescued him.--------------------------------------------------------------------------------Free Yourself From the Shackles of Clutter: Simple + Easy Methods to Declutter Your Home + Other Vital Aspects of Your Life [Kindle Edition]
http://www.amazon.com/gp/product/B00A8VQQ0E/ref=oh_d__o01_detail...
Pub. 11/16/12Feeling overwhelmed with clutter in your home? Are you constantly losing items due to a messy home? Or perhaps you have clutter everywhere in your office which is affecting your productivity? If you are looking for the most efficient way on how to declutter, then this book is for you. Clutter can negatively impact a person in many ways. From missing items, being less productive and even low self esteem it is essential that you break free from the shackles of clutter. However it may have gotten so overwhelming you may not even know where to begin. Or if you do, it seems that you are not making hardly any progress and dismiss cleaning as a lost cause.This book shows you step by step how you can easily declutter not only your home but many other aspects of your life such as your office, college dorm room and even your mind from negative thoughts. So go ahead and break free of the shackles of clutter and become free to live again with much less stress from having too much clutter. Learn how to declutter and take your life back now!
--------------------------------------------------------------Connected Souls: A Dog Story [Kindle Edition]
http://www.amazon.com/gp/product/B008KRWRF6/ref=oh_d__o02_detail...
Pub. 7/11/12Anytime is a good time to read a dog story! When Karen and Will have to unexpectedly put their beloved best friend to sleep, they aren't sure they will ever be ready for another dog. But when an unusual event happens, they learn there is another dog out there who is counting on them.Based on true events that happened in the author's life, this short story tells the tale of two very different dogs that loved their way into the heart of one family and how, through both life and death, they each formed a bond that would be cherished forever.
-------------------------------Homemade Cookie Recipes The Whole Family Will Love! [Kindle Edition]
http://www.amazon.com/gp/product/B00C0M8FVC/ref=oh_d__o03_detail...
Pub. 3/24/13Homemade cookies are everyones biggest weakness. So if you like homemade cookies, you will love cookie recipes from this book. Simple to
prepare. Rich and decadent, your family will ask you to make these delicious treats often. Homemade Cookie Recipes The Whole Family Will Love! By Heavyn Elizabeth will help you find new, tried and true homemade cookie recipes your whole family will surely love.
----------------------Bread Making Made Easy! A No Fluff Guide To Creating Savory Home Made Bread With Instructable Pictures To Go Along [Kindle Edition]
http://www.amazon.com/gp/product/B00C17MVPC/ref=oh_d__o04_detail...
Pub. 3/25/13Ever wanted to make homemade bread? Now you can! This simple, straightforward guide will show you how to create homemade bread right from the comfort of your home without any expensive equipments needed! Comes with recipes for making popular breads like:- Chapati Bread
- Naan Bread
- Sourdough Bread
- And Many More!(Instructions with pictures enclosed)
--------------------------------------------------35 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine [Kindle Edition]
http://www.amazon.com/gp/product/B00C107L8G/ref=oh_d__o05_detail...
Pub. 3/24/1335 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine. Are you looking for ideas on what to serve with your main course? Try these Slow Cooker Side Dishes! The Slow Cooker RevolutionYes, not knowing what to serve with a main course (or having the time to cook) can be discouraging at times, but you don't have to worry with these delicious and easy to make slow cooker side dishes for chicken, fish, beef or pork.With your hectic schedule, you're just too tired for an idea to pop up in your head, right?Well, in this side dish cookbook you will find a variety of recipes that will make your meal planning much easier - and quicker! I wanted to free up some of time for you by compiling this crockpot cookbook filled with 35 side dish recipes and here are a few I've included . . . - Italian Bean Casserole
- Zucchini & Cheese Souffle
- Baked Cinnamon & Orange Apples
- Spanish Rice & Tomatoes
- Hash Brown Potatoes & Cheese
- Plus many more
-------------------------------------------------25 Simple Salads and Delightfully Delicious Dressings [Kindle Edition]
http://www.amazon.com/gp/product/B00BZQLOCG/ref=oh_d__o06_detail...
Pub. 3/22/13When you think of the word salad do you associate it with the words boring, dull or diet? Many people associate salads with diet foods, believing there is no reason to eat them unless you have to. In reality, a salad can not only be very healthy but also very flavorful! A traditional chicken Caesar salad tossed in homemade dressing and topped with fresh parmesan cheese is anything but boring and a southwestern chicken salad is sure to tempt your taste buds. If you want to take a step toward a healthier diet without sacrificing flavor, try these simple salads!
------------------------------------------------Cake Mix Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00BUR70QO/ref=oh_d__o07_detail...
Pub. 3/14/13The book contains instructions about baking the delicious cookies, brownies, and blondies. The book aims to give everyone with recipes that are easy to prepare. It also changes the way people understand procedures and easily streamline their entire baking process. *extra recipe at the end of this book from the new book due to release this Spring 2013
----------------------------------------------------------------------------------------------Top 50 Delicious Salad Recipes: Latest Collection of MOST-WANTED, Easy And Healthy Salad Recipes For Both Vegetarians And Non-Vegetarians [Kindle Edition]
http://www.amazon.com/gp/product/B00BMAQZRO/ref=oh_d__o08_detail...
Pub. 2/26/13Kinza Waneeeza has another book about salads in general (and a very successful and popular one at that) but here she turns to bow to vegetarians and offers a splendid array of choices that are restricted to being meatless.Of course, keeping with her penchant for International tastes she begins with Famous Greek Salad with recipes for both the salad and the accompanying dressing, Macaroni Salad, her Ultimate Greek Salad (!), Tomato-Basil Pasta Salad, Tzatziki Cucumber Dipping Sauce, Kinza's Balsamic Vinaigrette, Mock Tuna Salad (a very healthy alternative without forgoing taste), California Pasta Salad, Mom's Danish Potato Salad, Radish-Olive Salad with Mustard Vinaigrette, Quinoa Black Bean Salad, Baby Cos, Pear and Feta Salad, a Vegetarian Quinoa Pilaf, Mozzarella Tomato and Basil Couscous Salad and others."
---------------------------------Relationship Questions: Dating Questions for a Healthy Relationship [Kindle Edition]
http://www.amazon.com/gp/product/B00C08KHU8/ref=oh_d__o09_detail...
Pub 3/23/13Want a good relationship? The secret to a good relationship is asking the right questions in the very beginning. Never fall in love with losers again by really learning how to screen out the weirdos from the beautiful people. Its important to know someone before you get attached to the idea of being with them romantically. This book will give you the tools to really know someone before taking the dive and avoid all the relationship troubles most people go through. "Relationship Questions" has over 600 powerful and fun questions to ask that person of interest to you. Instead of finding out things years later, get to know them now and never be surprised again!Asking the right questions means finding the right person!
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Light of a Dog [Kindle Edition]
http://www.amazon.com/gp/product/B00BQYJJ06/ref=oh_d__o00_detail...
Pub. 3/7/13This is a real story, though the names are fiction ones. I'd like to keep some respect to my family members.
Though this short story, describes part of my life, it's not a whole biographical book, but it keeps some of it inside. It's impossible to be aware of not sharing part of my life along my books, when there are so many lessons I learned in just five years. So, here I gave you a clue. My books and novels are inspired always in real events. I inspired them in some of my living stories, but I trimmed them with some fiction too.
This book is an inspiration of my two lovely dogs, especially my new girl Shine who is the queen of the story.
--------------------------------Total Chi Fitness - Meridian Stretching Exercises for Ultimate Fitness, Performance and Health (Chi Powers for Modern Age) [Kindle Edition]
http://www.amazon.com/gp/product/B00BZG7NK8/ref=oh_d__o01_detail...
Pub 3/21/13This book is complete, practical guide from where you can learn ancient meridian stretching exercises that will enrich your life in many different ways. Learning curve is short (4-6 days) and 15 minutes for doing them is more than enough. To learn complete set of Total Chi Fitness exercises and therefore enjoy full benefits they provide, you do not need anything else but this book (next to the detailed description and photos, videos are also provided by the author). Simplicity and great power of Total Chi Fitness meridian stretching is shocking to most of the practitioners who reports about this sort of benefits:These exercises will boost your energy levels strongly. If you do them correctly they will help you fight disease, accelerate your mental and physical performance far better then any artificial booster or 'food supplement' and provide you with dozen of additional benefits.If your body is sick or weak:Total Chi Fitness exercise program will help you to heal faster. Relief from modern diseases and health disorders (back pain, headache, feeling of low energy and weakness, inability to concentrate etc.) are only some of the healing benefits people report experiencing with this program.If you're healthy, hard-working, active in sports etc.:Total Chi Fitness exercise program will enhance the result you are achieving. It will catapult you to dimensions packed with fresh energy resources that you currently don't even know of! "Secret" of Total Chi Fitness powers is simple: originating from ancient Chinese medicine and martial arts, it remained unchanged by thousands of years.
Meridian stretching and techniques of Total Chi Fitness rapidly 'clean' your energy channels from all the blocks and obstacles that slowdown free and healthy flow of the life energy - Chi.
--------------------------------------------------------Writing for The Soul: An Autobiography and Guide for the Broken Down [Kindle Edition]
http://www.amazon.com/gp/product/B00BUTMVPM/ref=oh_d__o02_detail...
Pub. 3/14/13Writing for The Soul: An Autobiography and Guide for the Broken Down is the story of author Dylon J. Serpa's journey through depression. It reveals the ugliness of mental health disorders including raging fits during basketball games, striking ones parent and more. The story also follows the story of a younger teens terrible struggle through depression and how writing therapy allowed her to express herself. The book also doubles as a guide, showing the beneficial components of writing therapy.
------------------------------132+ Delicious Salads, Dressings And Dips (Gabrielle's FUSS-FREE Healthy Veg Recipes) [Kindle Edition]
http://www.amazon.com/gp/product/B00BQTE3PW/ref=oh_d__o03_detail...
Pub. 3/7/13From the jaw droppingly simple to wonderfully inventive creations, you can (re-) inject some healthy magic into your mealtimes. No matter what your food preferences are - omnivore, vegetarian, vegan, raw-food, 'paleo' or meat eater, you'll discover how to transform salads into must-have meals and tasty side dishes. Making sensational salads, delicious dressings and delectable dips is one sure fire way to delight your taste buds easily! Let Gabrielle lead you on your own personal salad revolution! Never be bored with the same old boring salads again. Salads can be the flagship of any meal when you have the know-how. Sometimes it's in the salad itself. Other times it's in what you dress it with. Imagine combining two winning recipes which may very well inspire even the most salad-phobic of folk. Gabrielle shows you:How to create delicious salads, dressings and dips all fuss-free, tried and tested and using easy-to-find ingredients!
How to make even the most often-used salad ingredients taste different, by cleverly preparing your vegetables to vary consistency and "mouth-feel". And what a difference that makes.
How simplicity can make you a winner in the kitchen. Some salad recipes you will learn are beautiful precisely because of their simplicity.
How you don't always need a complex or long list of ingredients to make your creations interesting or delicious.
Many versatile recipes, ranging from simple right through to Gabrielle's famous and sophisticated "super salads" showing you how to use anywhere from a handful of ingredients to a cornucopia of produce, all with spectacular result.
It's no secret that eating fresh (mostly) raw vegetables is one of your keys to vibrant health. Join the growing wave of people who believe fresh food should be our medicine and make the transition away from "packaged and processed foods" easily by eating more salads.Gabrielle Raiz is also the author of the best-seller "Green Smoothie Magic". In this 200+ page volume she brings you well over 132 easy-to-prepare, fuss-free Salads, Dressings and Dips that will refresh your senses day in and day out ... deliciously!
-------------------------------Eat to Beat Stress: 10 Super Foods to Prevent Major Symptoms of Stress
http://www.amazon.com/gp/product/B00AS074VA/ref=oh_d__o04_detail...
Pub. 3/21/12Leah Borski is a work-at-home mom, family nutrition enthusiast, fitness & wellness Coach, and TheFamilyTableCookbook.com author/blogger. In Eat to Beat Stress, she lays out a simple and direct guide for using food to defeat five major symptoms of stress. Research shows that when people feel stressed, they reach for food. The trouble lies in the types of food sought out during these times. Studies have found a tendency toward fatty, high-sugar foods, which throw off the bodys ability to function effectively and essentially drive people int