who hot deals search results

https://www.facebook.com/Metamucil?sk=app_228618363897626&app_da...This Metamucil "Meta Mondays" sample giveaway starts 5/20/2013 and ends 7/1/2013 (excluding Memorial Day on May 27th). No purchase necessary. Supplies are limited.
Limit one coupon per household. Offer includes 2 Metamucil sachets and a $2.00 Metamucil coupon good through 11/30/2014.
Please allow approximately 4-6 weeks for delivery.
Open only to legal residents of the 50 U.S. and D.C. who are 18 or older, with the exception of residents of AL and NE who must be 19 or older and residents of MS who must be 21 or older.
Void where prohibited, including AZ, CT, DC, MA, OH, and RI.

Enterprise Analytics: Optimize Performance, Process, and Decisions Through Big Data (FT Press Operations Management) [Kindle Edition] - was $49.99Thomas H. Davenport (Author), International Institute for Analytics (Author) http://www.amazon.com/dp/B0099RN76OPublication Date: September 13, 20127 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MISThe Definitive Guide to Enterprise-Level Analytics Strategy, Technology, Implementation, and Management
Organizations are capturing exponentially larger amounts of data than ever, and now they have to figure out what to do with it. Using analytics, you can harness this data, discover hidden patterns, and use this knowledge to act meaningfully for competitive advantage. Suddenly, you can go beyond understanding how, when, and where events have occurred, to understand why and use this knowledge to reshape the future. Now, analytics pioneer Tom Davenport and the world-renowned experts at the International Institute for Analytics (IIA) have brought together the latest techniques, best practices, and research on analytics in a single primer for maximizing the value of enterprise data. Enterprise Analytics is todays definitive guide to analytics strategy, planning, organization, implementation, and usage. It covers everything from building better analytics organizations to gathering data; implementing predictive analytics to linking analysis with organizational performance. The authors offer specific insights for optimizing supply chains, online services, marketing, fraud detection, and many other business functions. They support their powerful techniques with many real-world examples, including chapter-length case studies from healthcare, retail, and financial services. Enterprise Analytics will be an invaluable resource for every business and technical professional who wants to make better data-driven decisions: operations, supply chain, and product managers; product, financial, and marketing analysts; CIOs and other IT leaders; data, web, and data warehouse specialists, and many others.About the Author
THOMAS H. DAVENPORT, (Cambridge, MA) co-founder and Director of Research of the International Institute for Analytics, a world renowned thought leader and executive advisor on analytics. His book, Analytics at Work: Smarter Decisions, Better Results, was named a must-read for 2010 by CIO Insight. Davenport holds a Ph.D. from Harvard University, taught at Harvard Business School, and led research centers at McKinsey and CSC. He is President's Distinguished Professor of Information Technology and Management at Babson College; senior advisor, Deloitte Analytics, Deloitte Touche Tohmatsu; and member, Board of Sponsors, MIT Center for Information Systems.
Amazon Coupons

Ultimate Leadership: Winning Execution Strategies for Your Situation [Kindle Edition] - was $29.99Russell E. Palmer (Author)http://www.amazon.com/dp/B0051TW0QCPublication Date: January 17, 200824 Reviews ★★★★.5

To succeed, leaders must understand and apply the core principles of leadership--but thats not enough. You need to shape your approach for any unique situation. Too many leaders dont know how to do that--and thats why they fail. Ultimate Leadership shows how to adapt the principles of leadership to different challenges, contexts, and organizations.

Russell E. Palmer--who has had three very different, highly successful careers as head of one of the worlds largest accounting firms, Dean of the Wharton School, and an entrepreneur--helps you identify the leadership model most appropriate for your environment, and how to lead accordingly. Youll learn better ways to lead your equals, help an organization weather crises, transform its culture, lead entrepreneurial organizations, lead global organizations...even lead non-profit and academic institutions.

Then, drawing on interviews with an extraordinary spectrum of outstanding leaders, Palmer helps you master the attribute every leader must have: the ability to inspire your unique organization, even in the face of the most daunting challenges.
Achieving empowerment, even in classic "top-down" organizations
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Transforming an organization of peers
Driving changes in a strategic direction when key power centers disagree
Turning danger into opportunity
Mastering the art of rapid, focused, hands-on execution for organizations in crisis
Leading cultural change that sticks
Reconnecting structures, processes, and strategies with the new realities you face
Learning from the Wharton experience
Succeeding in an environment with widely diverse, highly influential stakeholdersAbout the Author
Russell E. Palmer is the owner and Chairman and Chief Executive Officer of The Palmer Group, a corporate investment firm located in Philadelphia, Pennsylvania. Before founding his own firm, he served as Dean of the Wharton School for seven years and prior to that he served for ten years as Managing Partner and CEO of Touche Ross & Co. (now Deloitte & Touche), an accounting and consulting firm. He became CEO of Touche Ross at age 37, the youngest person ever to attain that position in what is now the Big Four accounting firms.

After 27 years in the accounting and consulting profession, Mr. Palmer became Dean of the Wharton School. As the tenth Dean, and the first to come from the private sector, he shared his management experience with MBA students in a leadership course that he developed. He was instrumental in attracting more than 100 new faculty members to the School, building a new executive education program and complex and raising more than $125 million for the School. When he retired, the school was consistently ranked number one in undergraduate business education and in the top three MBA graduate programs.

In his current career with The Palmer Group, he has acquired more than thirty companies with the majority being in the educational field. All of these acquisitions have been successful investments, with the latest divestiture being a proprietary school group that was sold for $120 million.

Active in the outside business community, Mr. Palmer has served on 12 New York Stock Exchange boards, including Honeywell International, Inc., Verizon Communications, Inc., The May Department Stores Company, The Goodyear Tire & Rubber Company, and Bethlehem Steel Corporation. He is a Trustee Emeritus of the University of Pennsylvania, a Trustee of the National Constitution Center, and a Member of the Smithsonian National Board.

Mr. Palmer graduated with a Bachelor of Arts degree, cum laude, from Michigan State University, and has received several honorary degrees. He has written and lectured extensively. His articles and essays have appeared in Business Week, the New York Times, the Journal of Accountancy, and other publications.
Amazon Coupons

http://tools.woot.com/offers/fuego-element-portable-gas-grill-4Condition NewFeatures:
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・ High-low temperature settings (350-650F)Shipping Note: Eligible for shipping to all 50 statesWarranty: 1 Year Fuego
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Dr. Seuss: The Cat Behind the Hat: The Collector's Edition [Hardcover]Caroline M. Smith (Author)http://www.amazon.com/dp/0975366432Release date: November 13, 2012This exquisitely produced collectors edition holds four exclusive lithographs along with a cloth-covered edition of The Cat Behind the Hat, a beautifully illustrated book that redefines Dr. Seuss as an iconic American artist. Illustrator by day, surrealist by night, Dr. Seuss created a body of little-known work that he called his Midnight Paintings. For sixty years, this work allowed Geisel to expand his artistic boundaries outside the confines of commercial influences and deadlines. The book exuberantly juxtaposes Geisels Midnight Paintings with his best -loved childrens books. Though he fiercely protected his Midnight Paintings from criticism during his lifetime, his intention all along was for these works to be seen when he was gone. This comprehensive look at the art that he created over his lifetime, along with four frame-able prints, is an eye-opening peek behind the public persona into the real story of the man who was Dr. Seuss.Lowest price as per Camel - average $103http://camelcamelcamel.com/Dr-Seuss-Behind-Collectors-Edition/pr...Thanks to crazychomp OP @SD
Amazon Coupons

Hi all,
I'm in the process of getting my wholesale used car dealer license in California and I've seen people discussing the Manheim auction here and I'm hoping I can find other dealers to get advice from. Like I said I'm in the process of getting my wholesale used car dealership license. I just took the 6 hour pre-licensing class yesterday. I had a question about buying a car at auction for my own personal use. The instructor of my class said that if I have a friend who has a retail license I would need to sell the car to them and then buy it back from them. That sounds great, but the problem is that I am just starting out and I don't have that relationship yet. I'm sure I will with time and experience, but I don't now. I really need a car as we are about to have a baby soon. I'm looking for something very specific and I could wait until one comes up on craigslist or autotrader, but I know it doesn't happen too often. I'm sure that Manheim will have a handful of them on any given auction day. I know that if I waited I could buy it from a private party for either the same price or even less than the auction (I've been to the auction before and I found the prices for popular cars in great condition to be NOT any cheaper than the private party cost). Since I am pressed for time and would like to get something fast, could I as a wholesale dealer buy a car at auction for my own personal use? If so, what is the procedure? We keep our cars on average 10 years, so this is something I would be doing once every 10 years (although in 10 years I'm sure I will know someone with a retail license, so really this is just something I would do once).

RRRRRUUUUUSSSSSHHHHH!OK, they're backordered right now, but who cares? This is the lowest price I've ever seen for these box sets, and I've been monitoring them closely. Amazon has the Sector 1 and 3 box sets for $30.99, and Best Buy has all three for the same price. Of course, you could always see if your local Best Buy store has them too.  Rush Sector Box Sets @ Best BuyRush Sector Box Sets @ Amazon
Best Buy Coupons

This week only, save 69% on hit kids & family Blu-ray three-packs, including "The Diary of a Wimpy Kid 1, 2 & 3," "Ice Age Trilogy," "Robots, Horton Hears a Who, & Rio," and "Alvin and the Chipmunks 1, 2 & 3." Save 69% on hit kids & family Blu-ray three-packs
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The Deal (https://www.google.com/offers/ppo/SELF/TSCBGUWQPDUV1KRX?gl=US&te... Stay at the Ramada Plaza or, one of our preferred partner hotels
For two adults 23 years of age or older and up to two children under 18
$100 Visa Dine Around 
Fine print: (https://www.tripsincentives.com/terms/ftl-3-2-ntpr.html)
FT. LAUDERDALE 3 DAYS / 2 NIGHTSTerms and Conditions: This vacation offer entitles the buyer to 3 days and 2 night's accommodations in Ft. Lauderdale at the Ramada Plaza or one of our preferred partner hotels (room assignments will be completed upon receipt of your date request submission and are based on space availability). $100 VISA Dine Around offer valid at participating restaurants listedRedeemable in $25.00 increments upon completion of travel. This vacation package includes a single guest room suitable for two adults and up to two children under the age of 18. You may travel at any time of the year based on Trips Incentives Corp. room allotments. Reservations must be made at least 30 days in advance. You must possess a valid major credit card for a fully refundable reservation deposit. A $50.00 fully refundable reservation deposit, via credit card, is required at the time of submitting your date request and is refunded after travel. The vacation offer is valid for adults, minimum of 23 years of age, who arrive together, are gainfully employed full time, or retired. Maximum 2 children. This offer is not valid for groups. A group is considered two (2) or more parties traveling together, or meeting at the same resort with the same arrival date, using the Trips Incentives certificate, regardless of where the certificate was obtained. No exceptions. Both parties must be able to speak, read, write and understand English fluently. Not valid for residents of Broward, Dade or Palm Beach counties.
NO PETS. We will email you a hotel confirmation once your accommodations are confirmed. We recommend that you do not make air or car rental reservations until your stay is confirmed for the dates of your choice. This vacation offer is valid only for your hotel accommodations. It does not include transportation, taxes, portage, gratuities, service charges, or incidental expenses. This vacation offer is not redeemable for cash or any other consideration. (Travelers limited to one vacation offer from Trips Incentives Corp. per destination per year.) Trips Incentives Corp. is not to be held responsible for any act of God, or for any other circumstance beyond our control that may cause the destination to become unavailable. In the event that such a circumstance occurs, Trips Incentives will offer a substitute destination. This vacation offer is valid for 12 months from date of purchase. Applicable Law. This Agreement shall be governed in all respects by the laws of the State of Florida, in which state it has been negotiated, executed and delivered. Any and all disputes arising out of this agreement or transaction shall be subject to the jurisdiction of the county or circuit court in and for Broward County, Florida.This offer is sponsored by Trips Incentives Corp. and not by the individual hotels. Please contact the reservation department at 800-268-5856 ext. 3 between the hours of 9:00 a.m. and 6:00 p.m. Eastern Standard Time, Monday through Friday, for any questions regarding this offer, or email reservations@tripsincentives.com.Trips Incentives is registered with the State of Florida as a Seller of Travel, Registration No. ST37670.Trips Incentives Corp. is registered with the State of California as a Seller of Travel, Registration No. 2101645-40. Registration as a Seller of Travel does not constitute approval by the State of California.Trips Incentives Corp. reserves the right to substitute promotional items of equal or greater value. This offer is void where prohibited by law where applicable licensing requirements have not been met, including the State of Florida.I have read, understand and agree to the terms and conditions of this vacation offer that all reservations are subject to availability and are limited during resort peak seasons and I will not make air or any other travel arrangements or leave for the vacation until I have received written confirmation.

This is a freakin' fantastic deal on good quality running shoes. B&M only, but here are the links to the actual shoes. MSRP is in the $65-100 range. Apparently these two models are being cleared out starting yesterday/today because they're being replaced by newer models. There should be plenty in stock since they were just discounted, but getting sold quickly. For those who don't know - Asics makes really good running footwear. Links for reference only:ASICS GEL-Blur33 2.0 - Carbon/White/Sulfur YellowASICS GEL-Blur33 2.0 - Black/White/Safety OrangeASICS GEL-Exalt - Black/Silver/RedMaybe you can call in and order them (online) at the store price? I haven't needed to as I was able to snag one of each.Also - sadly I didn't have a chance to swing by the women's department to see if any models there were as deeply discounted. If anyone is able to confirm, I'll be happy to update the title. Good luck! My first HD post, by the way.
JCPenney Coupons

Have 2 of these already and been looking for one for travel at the $99 level; have not seen one at that price for a LONG time. This is a GREAT price, with free shipping and no sales tax for me.Sold by Rakuten, the owner of the Buy.com brand, so don't forget your 1.75% FWCB too! FWIW, if it matters to you, this unit is sold by a company named Worlds Best Deals, apparently a Rakuten business partner.Don't bother trying the WEEKEND15 coupon; that doesn't apply to electronics!LinkyMy 1500 VIA is great with speed-trap and traffic light camera alerts. I've easily saved many times the cost with just that feature!The traffic predictions and automatic re-routing around detours/congestion has been invaluable, too. Obviously, these GPS units don't know about rush-hour traffic patterns, so if you know a route is GOING to become congested, don't wait for the GPS to alert you because it may be too late. Simply program it to avoid the offending intersection or highway and use an alternate route of your choosing.BIG TIPS: 1) Apparently TomTom is not too cooperative honoring the lifetime maps feature if/when you eventually sell or give these units away. Maybe if you keep the cryptic code page and the receipt you can convince them to let you transfer the "lifetime" map service, BUT there is an easier way. Create a a free email address from Gmail or Hotmail or whomever just to register and update this unit; you can give that email address and password the new owner if/when you pass this unit on to them. Minor annoyance: one email address is needed for each TomTom unit you register. Would be a lot more convenient for a guy like me if I would register multiple units to the same account. As it is, I have to plug in each TomTom and then log in with the matching email address for that unit.2) As soon as you get your unit and create an email address per Tip 1 above, download the MyTomTom stuff and update your GPS using your laptop/desktop computer. You may have to update it 2x in a row to get all of the available updates. (e.g., the firmware updates may qualify you for an even more recent map update after the unit is rebooted.)Once all of the firmware updates are applied, you will find the TomTom's behavior is pretty much like a dash-installed unit. e.g., it will power up as soon as you start the car, and it will automatically power down about 5 seconds after you turn the car off. You can defer the auto-shutdown if you need to do additional programming.The specs:
Mfg Part#: VIA 1500TM Sku: 241854896 UPC: 636926050050 UPC 14: 00636926050050
Product # 1EN505202 The TomTom VIA 1500TM 5-Inch Glass Touchscreen Portable GPS Navigator is a 5-inch, extra-wide, touch-screen LCD display you can easily swipe your finger to move from screen to screen, or pinch-to-zoom, for easy map viewing. It boasts a slim design, crisp, sharp graphics and intuitive user menus. It is also equipped with superior driving intelligence. It comes with the preloaded maps of US. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. It offers spoken street names so users can pay attention to the road; advanced lane guidance for navigating difficult junctions and not missing important turns; and IQ routes, a technology that allows users with an optional traffic receiver to receive more accurately calculated routes based on actual traffic speeds. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. TomTom GO is also enhanced with a suite of features designed to help you drive more safely, including voice recognition . With TomTom VIA Share On- Demand Updates, you can easily make instant changes in between map releases, and download verified updates from other TomTom users to your map. It also gives you the most accurate real-time traffic information available.
Features
5" Extra-Wide LCD Touchscreen
GPS Vehicle Navigation System
IQ Routes Technology
Lifetime Traffic & Map Updates
Product # 1EN505202
Spoken Street Names
Turn-by-Turn Voice & Visual Guidance
Rakuten.com Shopping (formerly Buy.com) Coupons

I just closed on a house this week and wanted to provide an overview of the services I used and the amount I saved. I havent seen a similar thread to this, so hopefully someone finds this of value. This purchase is in NJ. Realtor Rebates are not legal in all states.1.Early in the process of house shopping we reached out to a realty company that offered 2% CashBack at closing if you purchased through them. The catch is that it is only valid if you find a house during an open house. Because we were shopping open houses only at the time this was fine.2.The above mentioned realty company has a complicated system where the more houses you look at with them the more the CashBack reduces, down to 0 eventually. Instead of dealing with their complicated and uncomfortable policy we located another realtor offering CashBack.3. When we viewed some open houses and were ready to move forward with a purchase we contacted Glen at Taylor Real Estate: www.taylorrealestatenj.com Currently he offers 2% CashBack if you see 1 house and want it, and then it is a flat 1% CashBack.4.In NJ Title Insurance is highly regulated, there is no point in shopping around because all prices are within $50. But there is a way to get a slightly better title deal that Glen let us know about. There is a title company that offers $250-350 back as an advertising fee for agreeing to put a sign on your lawn for 3 weeks after closing stating who insured your title. You can read about their program here: http://www.colonial-title.com/Partnering.asp5.We found a house we loved. It happened to be a bank owned REO. In very good condition as it was a deed in lieu of foreclosure property. Part of the deal was closing where the seller states, but for agreeing to that they agreed to pay for the title insurance on our behalf.6.After shopping mortgages around we settled on going with www.GuaranteedRate.com in particular my rep was Joe: https://www.guaranteedrate.com/JoeCafiero if youre in NJ or PA definitely reach out to him. Their rate was comparable to everyone else, but lender credit was a little lower than the best I found. But from the service I received and knew I would, it was worth a slightly smaller credit.7.Guaranteed rate has no upfront cost, they even cover the Appraisal fee upfront for you. When you apply with them they provide your full credit reports with FICO scores for free. (They charge $5 at closing for that report if you close with them).So how did things end up in the end? 3.5% 30 year. $625 Lender Credit after their fees, $1875 title insurance credit, $4400 realtor rebate. This means that with all the credits I received all fees got covered and even some of my escrow and upfront interest was covered.

I just closed on a house this week and wanted to provide an overview of the services I used and the amount I saved. I havent seen a similar thread to this, so hopefully someone finds this of value. This purchase is in NJ. Realtor Rebates are not legal in all states.1.Early in the process of house shopping we reached out to a realty company that offered 2% CashBack at closing if you purchased through them. The catch is that it is only valid if you find a house during an open house. Because we were shopping open houses only at the time this was fine.2.The above mentioned realty company has a complicated system where the more houses you look at with them the more the CashBack reduces, down to 0 eventually. Instead of dealing with their complicated and uncomfortable policy we located another realtor offering CashBack.3. When we viewed some open houses and were ready to move forward with a purchase we contacted Glen at Taylor Real Estate: www.taylorrealestatenj.com Currently he offers 2% CashBack if you see 1 house and want it, and then it is a flat 1% CashBack.4.In NJ Title Insurance is highly regulated, there is no point in shopping around because all prices are within $50. But there is a way to get a slightly better title deal that Glen let us know about. There is a title company that offers $250-350 back as an advertising fee for agreeing to put a sign on your lawn for 3 weeks after closing stating who insured your title. You can read about their program here: http://www.colonial-title.com/Partnering.asp5.We found a house we loved. It happened to be a bank owned REO. In very good condition as it was a deed in lieu of foreclosure property. Part of the deal was closing where the seller states, but for agreeing to that they agreed to pay for the title insurance on our behalf.6.After shopping mortgages around we settled on going with www.GuaranteedRate.com in particular my rep was Joe: https://www.guaranteedrate.com/JoeCafiero if youre in NJ or PA definitely reach out to him. Their rate was comparable to everyone else, but lender credit was a little lower than the best I found. But from the service I received and knew I would, it was worth a slightly smaller credit.7.Guaranteed rate has no upfront cost, they even cover the Appraisal fee upfront for you. When you apply with them they provide your full credit reports with FICO scores for free. (They charge $5 at closing for that report if you close with them).So how did things end up in the end? 3.5% 30 year. $625 Lender Credit after their fees, $1875 title insurance credit, $4400 realtor rebate. This means that with all the credits I received all fees got covered and even some of my escrow and upfront interest was covered.

I just graduated this week from UC Berkeley (undergrad) and will be working in San Francisco. I'm just wondering if you guys see any financial gaps or things I should be doing moving forward to maximize my earnings and spending.I have around a 800 FICO score with ~70k in total available credit among several cards, but I mainly rotate between CSP, Citi Forward, and AMEX Blue Everyday. I never pay interest charges. Would it make more sense to consolidate my spending onto one card like the CSP for rewards? I eat out a lot, travel, etc.I've contributed the max to my Roth since age 18. It's currently at Vanguard in a retirement index fund. I plan to contribute to my job's 401(k) up to matching limits at least. I have enough savings for about a year. No student debt.I'll be renting for the next year. Is real estate a good investment in the Bay Area over the next few years? I wouldn't want to get caught in another housing downturn. Out of curiosity, I got a mortgage preapproval for $550k at this moment in time, but that certainly doesn't get you a whole lot in SF.I've lurked around here for a long time and taken a lot of advice from the members here so thanks for that! I'm just wondering if I'm missing anything big here.

I was interested in renting a condo, filled out the paper work, paid for a credit check for both myself and my wife. A week later, we were told the landlord was sick and would need more time to decide. This week, after calling them, we were informed that the landlord decided to go with another family. Our credit scores are around 800 each. This is a bit new to me as it's the first time I've paid for a credit report and didn't get whatever it was that the credit report was run for.It irks me that we paid $50 ($25 each) for a credit report, when they decided to rent to another family. Also, I assume it can affect our credit reports. The real estate agent told me that he takes a bunch of applications, then runs credit checks on all of them (prior to any app review), then gives it to the owner to decide who to rent to. Is this the standard process? Did they break any rules?

Not quite finance related, but might be of interest to those who want a (relatively) quality education at a (relatively) good price.Online Master of Science in Computer Science, from Georgia Tech. First classes will be Fall 2014.Forbes LinkBusiness Insider link

http://sellout.woot.com/offers/klipsch-g-17-airplay-wireless-spe...Condition: NewAn Intricate Attention to Detail in Sight and Sound
The new Klipsch Gallery G-17 Air represents one of the most comprehensive
team development efforts in our history, with design and acoustics engineers
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sound Klipsch is known for. Never settling for the good enough approach
that abounds in many compact audio systems today, the G-17 Air is a true
advancement in style, technology and sound youll never tire of.A Wireless Sound System Using Apple AirPlay Technology
Using your homes wireless Wi-Fi network, you can now easily stream your
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dock your device. You can also stream your iTunes music from your Mac or
PC to one, or even multiple, G-17 Air units in your home, taking advantage of
a simple and efficient new method of creating a whole house audio system.
Other options include a USB input for direct digital connection and
charging of most 30-pin Apple devices, and a 3.5 mm analog input
that can accept almost every music player available.Unparalled Design that Blends with any Dcor
The elegant, injection molded polymer cabinet has a front baffle that curves
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The G-17 Air is powered by separate, high-quality, digital amplifiers for each
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Legendary Klipsch dynamic sound from our proprietary Tractrix Horn
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side of the G-17 Air) along with track selection of Apple connected devices (USB or
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Shipping Note: Eligible for shipping to all 50 statesWarranty: 1 Year Klipsch
Authorized for SquareTrade Extended WarrantyDeal Ends in about 10 hours at this point
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I'm a first time home buyer... or at least I will be if all goes well in the next few weeks.I have the opportunity to buy the condo I've been renting for the last 10 years (so I know the place well - the good, the bad, the ugly....). The owner has set a price that I will likely agree to. The price is considerably less than what it will appraise for (I know, because I had an appraisal done very recently). The reason they're willing to sell below the appraised value is because they'll be saving on real estate commissions, costs for prepping the suite for sale, staging it... and because it needs some work done (which I will pay for - like replacing the furnace as well as some other things... things revealed in the home inspection I had done).So the question I have is this: I'm planning on putting down 15% of the asking price at the time of purchase. This will leave me enough money to do the immediately needed repairs (like replace the furnace/ac). 15% down means that I'll be forced to get PMI. But after the sale, I will actually have 25% equity in the place based on the appraised value - which would technically take me out of PMI territory. Right now the local market super hot with little inventory and prices are zooming upwards very quickly.Now I know getting PMI knocked off a mortgage in less than two years is probably going to be impossible. So what would my best option be - taking a 30 year mortgage at the time of purchase, with the PMI, and then turning around in a month and refinancing the whole thing, probably at the same rate, so that PMI can be dropped? Or is there a better (and less costly, hopefully) option I should consider that would keep me from being stuck with the PMI for an extended period of time?

http://www.amazon.com/Madden-NFL-25-Xbox-360/dp/B00AY1CT4U/ref=s...Damn good deal if you ask me. Even applies to people who dont subscribe to Direct TV.
Amazon Coupons

Office Depot FAR software for the week of 05/19/2013 (NO FAR, two McAfee titles, $8 AR and $15 AR) McAfee Total Protection 2013 1 User [830-743] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
McAfee Total Protection For 3 Users [830-788] $69.99
$14.99 After $10 Instant & $55 Mfr. Mail-In Savings 
====================****ALERT ON McAfee REBATES****McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons

http://www.att.com/shop/wireless/accessories/audio/sku6300300.ht...It sounds on par or better than the Big Jambox. It also has NFC and QI wifi charging for those who have devices that support these functions.It's $300.00 almost everywhere else.

Me and my 6 year old will be heded down to San Mateo for the Maker Faire this weekend. If you have never been or have no idea what it is, check it out: http://makerfaire.com/ It is for adults and kids:Some Whole Foods markets have tickets with no fees at discounted prices that is a $7-8 less than at the gate price. From their site: WHOLE FOODS MARKET Get Discounted Maker Faire tickets at the following locations:  Los Altos4800 El Camino Real, Los Altos 94022
Palo Alto774 Emerson Street, Palo Alto 94301  San Mateo1010 Park Place, San Mateo 94403  Franklin1765 California Street, San Francisco 94109  Haight Street690 Stanyan Street, San Francisco 94117  San Rafael340 Third Street, San Rafael 94901  Day Pass Ticket Pricing Children 3 and under are free; Rain or Shine; No Refunds. While Supplies Last.
DAY PASSES:
Whole Foods Market Price:Adult One Day Pass (21 and over):

$28.00Student One Day Pass (13 -21 or w/ student ID):

$18.00Youth One Day Pass ( 4-12):

$12.00

Buy 1 box, get the 2nd box AND shipping on us!You'll choose from a selection you won't find in any store - different roasts and flavors, whole bean or ground, regular or decaf. Use promocode TRYGEV82 at checkout.

CFA is running a military appreciation night and on 5/22 from 4-7pm, they are serving free meal for all active military personnel and all who have honorably served. This offer includes immediate family members. I got this in SoCal, but I'm not sure if it's nationwide (YMMV).

Smokeless Ashtray *Built In Filter* Reduces Second Hand Smoke And Smoke Odors $7.99 + Free Shippinghttp://www.dailybargainshop.com/Smokeless Ashtray Reduces Second Hand Smoke And Smoke Odors.
Smokeless Ashtray is very effective for use at Home, Poker Games, Parties, Car, RVs, etc.and stops bothering people who hate the smell of cigarettes or cigars. It's four-stage smoke filtering system and lets smokers and non-smokers experience cleaner home environments and fresher air. The filter cleans and traps the air particles inside, reducing smoke and its odors.
Features:
Built in Filter System reduces second-hand smoke.
Helps eliminate Both Cigarette and Cigar odors.
Washable Filter for Long-Lasting Performance.
Cordless Battery Operation works anywhere.
Works on 2 "C" size Batteries (Not Included).

Condition: New

I've emailed several deals to the admin at the "fragile deals" forum, but I have never gotten a response or been given access. I am beginning to suspect that the site is no longer active. Can anyone who is a member tell me if the site is still being used? Or is it a ghost town?

I received a letter in the mail from Comcast that they are selecting certain customers for the free speed upgrade. You have to call their promotion line 1-855-382-3670 and say that you received a letter in the mail for a free upgrade to 50Mbps Blast Tier with a 2 year agreement. Several of my friends who did not receive this notice were also able to take advantage of this offer. The only catch is that you have to stay with Comcast internet for 24 months or there is a $75 early termination fee and the fee goes down by $7.50 after every 3 months. You also have 30 days to cancel the upgrade without any ETF.Edit: I received this offer in Atlanta area, so not sure about other states. It's a 1800 number, so thinking it might be national.picture of letter:
https://docs.google.com/file/d/0B5r8Ix4FnDpYckxDTHFDTERjN2s/view...

Wii Sports Resort takes the inclusive, fun and intuitive controls of the original Wii Sports to the next level, introducing a whole new set of entertaining and physically immersive activities. With the deep control enhancements of Wii MotionPlus, veteran Wii users and newcomers alike can enjoy unprecedented gaming precision as they cruise on a water scooter, duel with swords, throw a Frisbee and much more
Link

Posting in Finance, because I think this has more to do with money, wealth and "class" than with Travel deals.Rich Manhattan moms hire handicapped tour guides so kids can cut lines at Disney World
By TARA PALMERI (New York Post)Lede ...Some wealthy Manhattan moms have figured out a way to cut the long lines at Disney World by hiring disabled people to pose as family members so they and their kids can jump to the front, The Post has learned.The black-market Disney guides run $130 an hour, or $1,040 for an eight-hour day.My daughter waited one minute to get on Its a Small World the other kids had to wait 2 1/2 hours, crowed one mom, who hired a disabled guide through Dream Tours Florida.Link to full story: http://www.nypost.com/p/news/local/manhattan/disney_world_srich_...

So, weird situation: I had an opportunity to tutor - for big bucks - the son of a rich businessman. I didn't know it when I started, but turns out he's an asshole; even his son hates him. There are tons of news articles about him, his divorce, him happily spending time in jail instead of paying small amounts of owed money to ex... It goes on, and this information is so easily found that I feel like an idiot. It's surreal that this psycho is my client. And yes, it was stupid that I didn't look it up before starting tutoring. But the past is the past and I've learned from it, and have to now move on.I sent invoices and kept records (emails, txts, phone calls) showing that the tutoring was on the up and up, and the due dates are clearly-indicated. I sent out the invoices immediately after every session, and got no response. When the first bill became overdue, the client said to cancel all future sessions. I told him that I still need immediate payment, he didn't respond, and have not been able to get in touch with him since. I have sent several emails, and even reached out to the mother and son, who asked me to continue tutoring. I took one more session for half the price (since they were paying out of pocket and are good folk) and was paid, but that's the last I heard from them as well.Now I'm trying to get $1800 from this guy who won't respond at all. I don't know what to do. Please help!The work was done in NYC (Manhattan in case it matters). I was avoiding a confrontational phone call, and decided to call his personal assistant first out of courtesy, but she's also ridiculously rude and unhelpful. Now I'm posting here before moving forward.What can I do to secure payment? Should I call his cellphone (he provided me the #, I did not hunt it down) directly and speak with him? Will small claims help at all? I read somewhere it's UP TO $25,000, but other places have mentioned it's from $2,000-$25,000, which makes it below small claims amounts.

Although there are a number of threads regarding adverse action by credit card companies based upon a variety of issues, no one thread really seems to address the issue of long term or distinct risks that may arise due to churning credit cards for sign up bonuses.There are many different scenarios one could imagine and I would appreciate feedback on all or any, including:
A user who opens, over the course of a short period of time (say 3 months), a card from each issuer (1 chase, 1 citi, 1 capital one, 1 barclays, etc.) to obtain a sign up bonus, then closes those cards within 6 months, and applies for each one again to reap additional sign up bonuses.
A user who opens multiple cards with 1 issuer in a short period of time (chase freedom, chase sapphire, etc.), reaps the rewards, closes the cards, and applies for cards to reap the rewards over again a short time later.
A user who opens and closes one particular card 3 or 4 times within a year in order to reap sign up rewards.
A user who opens cards to reap sign up rewards and either doesn't close them or closes them, but only after a long period of time(a year) of having them open.I'm sure there are more situations we could imagine, but this is at least a start.One obvious risk is adverse action from the issuer in that the issuer reduces or limits the credit limit on one's accounts or even closes one's accounts. Another is the risk of lowering your credit score for constant inquiries. Perhaps even loss of rewards is a risk. I view these all as limited risks worth taking. But one could imagine more serious issues - for example, opening and closing credit cards over and over again results in a lengthy credit report, particularly in the section of closed revolving accounts. One could imagine a user who opens and closes 4 or 5 cards a year over a 5 year span - that's 25 closed accounts reflected on your credit report. Is this a risk in and of itself? What is the risk that a mortgage company could examine this and be concerned with fraud or other issues and deny you a mortgage? How about an auto loan company? How about other credit card companies?What if chase views your credit report and realizes that you've opened and closed 5 chase freedoms over the past 5 years? Do they shut you down altogether? I'm not certain that closed revolving accounts ever fall off your credit report. If they don't (or if it takes a significantly long time), have you ever considered the fact that this kind of activity essentially stays with you forever? I know some of us don't need credit, but many of us plan on obtaining loans for our children for school, buying homes and needing a mortgage or financing vehicles, etc. Are we endangering our future by engaging in these kinds of activities? In any event, please share your feelings on this issue. Thanks!

ONE OF THE BEST WEEKS OF 2013 IMO!!also see, $7 cat on $20 of pet food (on pet toys/items)$3 cat on Popsicle/Good Humor items
more coming.http://www.scribd.com/fullscreen/141415544?access_key=key-1lh91t...thnx as always to celestialdigs/sd for all the info below! (GREAT WEEK for some super cheap useful items!)
Hope you are having a wonderful week! Off to JFK in a few!

CONGRATS to marciadel on a well deserved 5K

3 Musketeer Bar $.69 (reg price) after coupon, $.19!!
$.50/2 IPPrint [coupons.com] 21918

How to change zip code @coupons.com (thx to steph @ PC &D)
Click Here [coupons.com]
Change zip
Go back to link

Coupons to Order/Print 5/19 PREVIEW

FREEBIES
Wet ones Wipes 1/2 price $1.34 After coupon, FREE
$.75/1 Wet Ones Wipes Product, Any Canister Or Singles 4/21SS

Joy Cones $.99 after coupon, FREE
$.55/1 IP Print [coupons.com] 62946

Wet n wild Cosmetics $.74+ after coupon, FREE
$1/1 5/19RP

Koru Yogurt $1.33 (reg price)after coupon, FREE-$.33
$.75/1 IP Print [coupons.com] 03110
$1/1 5/5SS (NJ papers!!)

CHEAPIES
Chock Full O nuts $2.69 after coupon,$1.69
$1/1 5/19SS

Finesse Shampoo/Conditioner $1.49After coupon, $.49
$1/1 4/21SS

Ken's Marinade $1.49 after coupon, $.49
$1/1 5/5SS

Ball Park Beef/Meat Franks $1.98 after coupon, $.48 (for Lean, if included)-$1.23
$.75/1 IP LeanPrint [facebook.com]
$.75/2 5/5RP
_______________________________
Buy $15 Get $5 CAT OYNO
Suave Deodorant $1.49 (shelf $1.99)
$.50/1 5/19RP
Suave Professional shampoo $1.49 (shelf $1.77)
$.50/2 Men's 5/19RP
DEAL: Buy 4 Deodorant $5.96(shelf $7.96)
4 Shampoo Men's$5.96 (shelf $7.08) Total: $11.92( shelf $15.04)
USE: 4 $.50/1 & 2 $.50/2=$6
PAY: $5.92
GET: $5 CAT
OP: $.92 for all or $.11 each!
_______________________________
Buy 5 Get $3 CAT
Popsicles, Yosicles , Klondike, Good Humor $2 (5 for $10)
$1/1 IP Yosicle Print [facebook.com]
DEAL: Buy 4 Yosicles & 1 other item=$10
USE: 4 $1/1 IPs=$4
Pay: $6
GET: $3 CAT
OP: $3 for 5 or $.60 each
___________________________
Luigi's Ice $1.99 after coupon, $.99
$.50/1 or $1/1 5/12 RP
Purex Liquid Laundry Detergent $1.99 After coupon, $.99
$.50/1 IPPrint
[purex.com]

Corn $.17 each

Super Pretzel $1.49 (Wed-Sat) After coupon, $.49
$.50/1 5/12RP

Sabra Hummus $1.99 (Wed-Sat)

Turkey Hill Ice Cream $1.99 After coupon, $.99
$1/1 or $.50/1 home mailer ( You can request a packet of coupons from us every month. We will mail one packet, per mailing address, each month but you need to contact us and request them. You can either email us [turkeyhill.com] or call us at 1-800 MY DAIRY (1-800-693-2479).

Ben & Jerry's pint $2.50
-_________________________________________
Buy 7 Get $5 CAT OYNO

Kellogg's Cereal $2.49 after coupon, $1.09
Kellogg's Pop tarts $2.99
Cheez its $2.49
Kellogg's Rice Krispie Treats $2.49
Keebler Club Cracks/Fudge Shoppe/Pecan/vanilla $2.69
$.70/1 IP Print [redplum.com]

Kellogg's fiber Plus Bars $2.69
$.70/1 IP Print [redplum.com]
$.70/1 Antioxident 4/7RP

DEAL: Buy 4 Cereal & 3 Fiber Plus=$18.03
USE: 4 $.70/1 IPs
3 $.70/1 AntiOxident=$9.80
PAY: $8.50
GET: $5 CAT OYNO
OP: $3.50 or $,70 each
____________________ _______________________
Chi Chis Salsa $1.99
Chi Chi's Tortilla $1.66
$.50/1 4/14SS (MidWest papers)

Kashi Cereal $3 After coupon, $2
$2/2 IPPrint [coupons.com] 62946

Vlasic Pickles $1.66 After coupon, $.66
$1/1 IP Print [smartsource.com]

French's yellow Mustard $1.49 After coupon, $.49 FREE
$.50/1 5/12SS (Florida papers)
 Chobani Yogurt $1 After coupon, $.40
$.30/1 IP Print [chobani.com]

Dole Salad Blends/Kits 1/2 price $1.64 After coupon, $.99-$1.09
$.65/2 IPPrint [couponnetwork.com]
$.55/1 dnd9 blinkie

EarthBound Farms Salad 16 oz $4.99 After coupon, $3.49
$.75/1 IPPrint [ebfarm.com]

Buy $50 in Gift Cards, Get $10 CAT OYNO
crappier gift cards-AMC, Express., itunes.. No SR or gas gift cards (except Shell)included Thks littlepal

Buy 3 Nature's Bounty Vitamins $3.49+, Get $5 CAT
$1/1 IP Print [couponnetwork.com]
--------------------------------------------------------------------------------
Last edited by celestialdigs; Yesterday at 10:02 PM..

My wife and I are trying to have a baby. She is not pregnant yet but my belief is she will be within the next 6 months. We both work full time. I won't go into details of our jobs but I will say that our combined income is 190K (80K me, 110K wife). She talks about working part time after giving birth/maternity leave and that she can eventually go back to full time whether at her current company or another company. Given the job market I think she is underestimating how difficult it is to find a new job and once she goes part time who knows if she can go back to full time.Now my income alone would be sufficient to support a child but you never know what can happen. Our only real debts are mortgage and her student loans (her student loans we expect to pay off by end of next year). We pay our credit card bill fully each month and MAX out 401K and Roth IRA and we invest in individual stocks, mutual funds, etfs, you get the drift.So how can I convince my wife to go back to work full time after maternity leave. Daycare is expensive but the loss of income is much more expensive and her company medical insurance is much cheaper than mine. I think she can work weekends and then have 2 weekdays off and I could be able to swing a work from home day once a week at least initially. Unfortunately the grandparents live far away so can't just drop the kid off there or have them come over every day.

https://www.key.com/personal/promotions/dda/kbvcm2013.jsp?ppc=13...Apparently only available in certain states.
From now until June 14, 2013, switch to a qualifying eligible KeyBank checking account and get $150 cash.To get your cash reward:
+
Open a qualifying KeyBank checking account online and enter offer code ONVM0413 by June 14, 2013, and
+
Make at least 30 payments and/or purchases within 3 months of account opening, plus
+
Make 3 direct deposits each of $500 or more within 3 months of account opening. Required minimum opening deposit of $50.00. Each statement cycle, you will be required to have at least seven (7) customer initiated transactions (ANY deposits, withdrawals, including transfers) on your Key Express Checking Account or have deposits (including transfers into this Account) totaling $500.00 or more credited to your Key Express Checking Account. If you do not meet one of these requirements a $5.00 monthly Maintenance Service Charge will be assessed.
2 There may be an annual fee for the KeyBank Relationship Rewards program based on the type of checking account you have. Redemption of rewards points is subject to a service fee.
* Between 4/15/2013 and 6/14/2013, you must open a Key Express (this is the basic banking account in NY), Key Coverage, Key Advantage, Key Privilege, or Key Privilege Select Checking Account online and make at least 30 posted payments and/or purchases from the new checking account within three months of account opening, plus within three months of account opening make a total of three direct deposits each of $500 or more to get your gift. One month is calculated as 31 calendar days from account opening date (three months equals 93 calendar days from account opening date). Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited within 90 days of meeting requirements. Qualifying purchase and payment transactions include checks, MasterCard signature, PayPass and PIN-based purchases, Key Bill Pay, debit card automated payments, PayPal transactions, and Automated Clearing House (ACH) direct payments. Direct deposit transactions are limited to payroll, Social Security, pension, and government benefits. Offer not available to individuals who have had a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee. Accounts overdrawn or closed as of 9/27/2013 are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply.

Keren Ann likes to keep things cool and mysterious. This mid-tempo romantic number, an indie hit, keeps building on itself, as the flamenco handclaps are joined by a blues harmonica, a dirty guitar, strings and Swingle Sisters-style bopping backing vocals. Keren Ann remains serene, yet sensual, through it all; this is a lady who likes to stay in control. Nick Dedina, Google PlaySong #2 - link to the album below
https://play.google.com/store/music/album?id=Blidizcq4577vi2uago...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

The track that got David Bowie's most commercially successful album, Let's Dance, off to a roaring, 1980s big beat start, "Modern Love" proved the art-rocker could go mainstream as deftly as the multitude of young bands who studied him. The euphoric rush of the track, which talks show biz as much as existential angst, is the real takeaway here: good pop music creates joy. Nick Dedina, Google PlayLink to the album below - track #1https://play.google.com/store/music/album?id=B7pqaa53bleo7zayw5g...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Hey guys,I wanted to see if anyone here was familiar with this process:To make it simple I will simplify it as much as I can:1. Go to auction and buy lots
2. Wait for a year (some sort of waiting period)
3. After a year, you can do whatever you want with it. Build on it, flip it (most common)
4. ProfitExample I was given:Friend bought 3 lots for $5,000
Friend said he can flip it after a year to a developer for half the market value. Market Value is $55,000. So He will sell it for $25,000. Thats like 5 times your money! After googling, I came across this process:"Much cheaper than traditional foreclosures, properties bought at TAX SALE auctions can be purchased for as little as 2-10 percent of current market value. Yes, this is real. Every year thousands of houses, lots, farms, ranches and even timeshares, are offered for sale by county governments across the U.S. for just the back taxes owed plus costs. These are cash purchases. After the applicable redemption period, Investors receiving deeds to these tax sale properties obtain all rights to the properties free of liens, mortgages and trust deeds except for any IRS liens. The properties may then be resold for current market value or held as rental property as desired. For investors who learn the tax auction process and research the desirability of ownership of the properties up for bid, tax sales can present an extremely lucrative investment opportunity. Most counties hold their tax auctions annually at about the same time each year. These auctions are held throughout the year with many coming in the fall and winter months. Lists of prospective properties to be auctioned are published about a month before the auction. Check with your local county treasurer's office for details of their next auction. Now, since many counties are holding their auctions online, investors all across the country can bid on tax sale properties nearly every month.Information about local tax sales can be obtained from most county treasurer's offices online. For information on a national scale, visit www.bid4assets.com among other sites for a good overview. For some real fun, check out the lists of properties that can be obtained for bids as low as one dollar. This is a treasure trove of extreme bargains."
thoughts? What sort of pitfalls can I avoid if I go into this sort of venture? Any experience would be awesome. Also it sounds like a "Sounds too good to be true" type of deal too.

Saw this on SD.Fry's is having an anniversary sale this weekend and on Friday May 17th & Saturday May 18th from 11:00am-3:00pm you can get a Hot Dog and a Coke for 50 cents.Good thing to pass on for those who are trying to save money. Yes, this is B&M only.

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.

https://www.key.com/personal/promotions/dda/kbvcm2013.jsp?ppc=13...
From now until June 14, 2013, switch to a qualifying eligible KeyBank checking account and get $150 cash.To get your cash reward:
+
Open a qualifying KeyBank checking account online and enter offer code ONVM0413 by June 14, 2013, and
+
Make at least 30 payments and/or purchases within 3 months of account opening, plus
+
Make 3 direct deposits each of $500 or more within 3 months of account opening. Required minimum opening deposit of $50.00. Each statement cycle, you will be required to have at least seven (7) customer initiated transactions (ANY deposits, withdrawals, including transfers) on your Key Express Checking Account or have deposits (including transfers into this Account) totaling $500.00 or more credited to your Key Express Checking Account. If you do not meet one of these requirements a $5.00 monthly Maintenance Service Charge will be assessed.
2 There may be an annual fee for the KeyBank Relationship Rewards program based on the type of checking account you have. Redemption of rewards points is subject to a service fee.
* Between 4/15/2013 and 6/14/2013, you must open a Key Express (this is the basic banking account in NY), Key Coverage, Key Advantage, Key Privilege, or Key Privilege Select Checking Account online and make at least 30 posted payments and/or purchases from the new checking account within three months of account opening, plus within three months of account opening make a total of three direct deposits each of $500 or more to get your gift. One month is calculated as 31 calendar days from account opening date (three months equals 93 calendar days from account opening date). Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited within 90 days of meeting requirements. Qualifying purchase and payment transactions include checks, MasterCard signature, PayPass and PIN-based purchases, Key Bill Pay, debit card automated payments, PayPal transactions, and Automated Clearing House (ACH) direct payments. Direct deposit transactions are limited to payroll, Social Security, pension, and government benefits. Offer not available to individuals who have had a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee. Accounts overdrawn or closed as of 9/27/2013 are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply.

So, my Discover card was compromised. But, this was weird, never heard of anything like this before. I woke up this morning to find an email from Discover changing my email address had been updated. I called Discover and they were quite unhelpful, but after spending 2.5 hours on the phone I finally pieced together some of the story:Sometime this morning (time withheld) a small charge of 48 cents was placed with a website that sound like greatgoogallywoogally.com (I didn't catch the exact name)
Shortly later my online account was "re-registered" to another email address (which was my address with a couple numbers added to the end -- prior to the @ sign)
At some point after that someone used my accumulated Discover CashBack to purchase Land's End E-Certificates.Now for the particularly odd part: According to the last person I talked to at Discover (@ Websupport, who was the only useful person, oddly enough), whoever it was failed to answer my security questions. When I asked how did they change my email address if they didn't correctly answer the security questions she responded: "They shouldn't have been able to, I have no explanation." She also claimed that no one logged into the account since the account was re-registered. So I asked how could someone redeem my CashBack if they never logged in. She responded: "They shouldn't have been able to, I have no explanation."She did mention that she had seen a couple people have the same problem over the past 2 or 3 weeks (email updated to their email address plus a few numbers and then buying Land's End E-Certificates).I'm not sure what to make of this. I'd like to know how much of my information was compromised. In theory, whoever did it clearly had my card #, expiration date, and email address. They probably now have access to my physical address. In order to re-register the account they need the last 4 of my SS# and my date of birth, but its not clear they actually needed that since they didn't have the security question answers and they they were still able to re-register.

Over the last two months, I have not seen a single E or HR loan available to invest in. Yet there are numerous AA and A loans with what amounts to a very poor interest rate based on how many loans fail. The highest interest rate I have seen recently is 22%. Are they giving institutions earlier access to the higher yielding loans? As it seems the decrease in higher yielding loans coincided with the blocking of seeing who invested in those loans.Is it basically time to move on from this investment as it is becoming the eBay of today.

This is not intended to be either a pro or anti Whole life thread. This is simply a checklist to see if whole life should be a consideration. It was requested that I post this.
Typically, the bulk of one's insurance should be term insurance. However, having some of your insurance as whole life may make sense if ALL of the following statements are true.1) I have a desire to leave money behind at death (spouse, children, or charity) regardless of when death occurs.
2) I am not going to compromise my death benefit. (Amount of coverage is more important than type of coverage. In other words, it is more important to buy a large death benefit with term insurance than a small death benefit with whole life.)
3) I am properly covered with disability insurance. (Not everyone can get good disability insurance. Work coverage is seldom adequate for white collar workers.)
4) I have health insurance.
5) I have at least 6 months in emergency funds.
6) I am taking advantage of my employer sponsored retirement plan at least up to the match.
7) I am fully funding my Roth IRA.
8) I have no high interest debt.
9) I will only use money that would otherwise be put away in a conservative manner.
10)I will only do it at a dollar level at which the premiums are easy to afford.
Because most people can't say, "true" to those previous statements, whole life is inappropriate for most people. If all of those statements are "true" it doesn't mean that one needs whole life insurance. However, it usually does mean that, at the very least, whole life insurance should be explored.

Mophie iPhone 4 / 4S Juice Pack Air Charging Case - Refurbished for $14.99 + $2.00 shippinghttp://www.all4cellular.com/dailydealI'm a staunch supporter of Mophie Juice Pack.I've used Mophie Juice Packs since my first iPhone which was the 3Gs. As one who uses his phone for audio and video recording, it's essential that my phone stays on for up to and beyond 8 hours of heavy use. The Juice Pak provides that and then some! The special price on the refurbished model was a no brainer for my iPhone 4.

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.

Free All Year - Buy a Day, Get the Rest of the Year Free.
http://www.wetnwildorlando.com/tickets_floridaadm.php
Enjoy unlimited visits to Wet n Wild from date of activation through December 31, 2013
with the purchase of a regular daily admission.
This pass is only valid for the year it was purchased. Adult or Child Admission
Proof of Florida residency required.
Available at the park. Out of State Visitor
Orlando FlexTicket - Unlimited admission to five or six parks for up to 14 consecutive daysOrlando FlexTicket
Unlimited admission to the five parks below for up to 14 consecutive days
Wet n Wild Universal Studios Florida Islands of Adventure SeaWorld SeaWorlds Aquatica Orlando FlexTicketPlus
Unlimited admission to the six parks below for up to 14 consecutive days Wet n Wild Universal Studios Florida Islands of Adventure SeaWorld SeaWorlds Aquatica Busch Gardens Tampa Bay
REGULAR PRICE
FlexTicket Plus (6 park) Adult $344.95 + tax
FlexTicket Plus (6 park) Child $324.95 + tax
FlexTicket (5 park) Adult $304.95 + tax
FlexTicket (5 park) Child $284.95 + tax BUY ONLINEAdditional Details Please allow up to 7 business days for tickets to be delivered if purchasing online. Access is valid for the entire length of your stay, up to 14 consecutive days from the first day of use. You may visit the parks as many times as you want during this time. Six-park, Orlando FlexTicketPlus includes unlimited, free bus transportation to Busch Gardens Tampa Bay on the Busch Gardens Shuttle Express, which has scheduled departures from SeaWorld Orlando and various locations in the Orlando area. Your Orlando Flexticket also includes free access to select live entertainment venues at Universal Orlando Resorts CityWalk entertainment complex (must be 21 or older for some venues). A Parking Fee is required only once each day, regardless of the number of parks visited. (Youll need to show your parking receipt from the first park visited that day.)
3-Park Tickets - Save on your Wet n Wild visit when you add admission to Universal and Islands of Adventure
Save $20 off the gate price on all multi-day tickets!Base Ticket
The Base Ticket is valid for one Guest Admission to Wet n Wild and to EITHER Universal Studios Florida OR Islands of Adventure for (3 or 4 days). You choose which days to use your tickets during a two-week period (14 consecutive days), beginning the first day of use. Adult Child (3-9)
4-Day Base, plus Wet n Wild $178.49 +tax $165.49 +tax
3-Day Base, plus Wet n Wild $168.49 +tax $156.49 +tax

Park-to-Park Ticket
The Park-to-Park Ticket is valid for admission to Wet n Wild and to BOTH Universal Studios Florida AND Islands of Adventure for (3 or 4 days). Plus, paid admission to the entertainment venues of Universal CityWalk during the same length of stay. You choose which days to use your tickets during a the two-week period (14 consecutive days), beginning with the first day of use. Adult Child (3-9)
4-Day Park to Park, plus Wet n Wild $192.49 +tax $179.49 +tax
3-Day Park to Park, plus Wet n Wild $185.49 +tax $173.49 +tax
BEST DEAL: Length-of-Stay Pass - Save $10 when purchased in advance. Unlimited visits for 14 consecutive days Save $10 off the gate when your purchase your tickets in advance.
Enjoy unlimited visits to Wet n Wild during your stay for up to 14 consecutive days.
REGULAR PRICE ADVANCE PURCHASE
Adult or Child Admission $55 + tax $45 + tax
Children (under 3 years) Free Free
*Ticket valid for 14 consecutive days beginning with the first day of use. Discount only available for advance purchase.
Not valid during special events, after-hours events, or private parties. Discounted ticket must be purchased and redeemed by 12/31/13.
Single Day General Admission - Save up to $10 when you purchase in advance. REGULAR PRICE ADVANCE PURCHASE
Adult Admission $55 + tax $45 + tax
Child Admission (Ages 3-9) $50 + tax $40 + tax
Children (under 3 years) Free Free
*Discount only available for advance purchase. Not valid during special events, after-hours events, or private parties. Discounted ticket must be redeemed by 12/31/13.
Afternoon Tickets - Half-Price off Adult and Child General Admission when you visit Wet n Wild in the afternoon Get Half-Price off General Admission when you visit Wet n Wild in the afternoon! Adult Admission $27.50 + tax
Child Admission (Ages 3-9) $25.00 + tax
Children (under 3 years) Free
Pending available capacity. Available only at Front Gate Ticket Booths.
Date Half Price Admission
3/23/13 - 4/6/13 after 3 p.m.
4/7/13 - 4/26/13 after 2 p.m.
4/27/13 - Waves of Glory after 3 p.m.
4/28/13 - 5/24/13 after 2 p.m.
5/25/13 - 6/6/13 after 3 p.m.
6/7/13 after 4 p.m.
6/8/13 - Early Close after 3 p.m.
6/9/13 - 6/27/13 after 4 p.m.
6/28/13 - 8/17/13 after 5 p.m.
8/18/13 - 9/2/13 after 3 p.m.
9/3/13 - 12/31/13 after 2 p.m. Restrictions apply. Not valid with any other discounts or pricing.
Florida Resident
Unlimited Annual Pass - Online SpecialUnlimited visits to Wet n Wild all year long, includes weekends$3 off regular admissions for accompanying guests 50% off rental items (except Cabana rentals) 10% off Breakers Beach Shop purchases (except sale and sundry items) Cost is less than two Adult General Admission ticketsValid for one year from the date of first useIncludes Free Parking
REGULAR PRICE ADVANCE PURCHASE
Unlimited Annual Pass
Adult or Child $92 + tax $82 + tax
Not valid during special events, after-hours events, or private parties. Cannot be combined with any other discount, offer or promotion. Weekday Annual Pass - Unlimited visits Monday through FridayEnjoy unlimited admission to Wet n Wild Monday Friday, all year long (excludes weekends).
Valid for one year from the date of first use.

Weekday Annual Pass
Adult or Child $58 + tax
Not valid during special events, after-hours events, or private parties.
BEST DEAL: Buy a Day, Get the Rest of the Year Free - Unlimited visits for the remainder of 2013Buy a Day, Get the Rest of the Year Free.
Enjoy unlimited visits to Wet n Wild from date of activation through December 31, 2013
with the purchase of a regular daily admission.
This pass is only valid for the year it was purchased.Adult or Child Admission $55 + tax
Proof of Florida residency required. Not valid during special events, after-hours events, or private parties. Florida Resident Admission - Florida Residents save up to $20 on single day admissionAdult or Child AdmissionProof of Florida residency required.Offer is valid on the purchase of a regular daily admission only. Tickets must be used by 12/31/2013.
Limit 6 tickets per ID.
$35.00 + tax
Not valid during special events, after-hours events, or private parties. Afternoon Tickets - Half-Price off Adult and Child General Admission when you visit Wet n Wild in the afternoon Get Half-Price off General Admission when you visit Wet n Wild in the afternoon! Adult Admission $27.50 + tax
Child Admission (Ages 3-9) $25.00 + tax
Children (under 3 years) Free
Pending available capacity. Available only at Front Gate Ticket Booths.   Date Half Price Admission
3/23/13 - 4/6/13 after 3 p.m.
4/7/13 - 4/26/13 after 2 p.m.
4/27/13 - Waves of Glory after 3 p.m.
4/28/13 - 5/24/13 after 2 p.m.
5/25/13 - 6/6/13 after 3 p.m.
6/7/13 after 4 p.m.
6/8/13 - Early Close after 3 p.m.
6/9/13 - 6/27/13 after 4 p.m.
6/28/13 - 8/17/13 after 5 p.m.
8/18/13 - 9/2/13 after 3 p.m.
9/3/13 - 12/31/13 after 2 p.m. Restrictions apply. Not valid with any other discounts or pricing. 3-Night Florida Resident Hotel & Ticket Package start from only $95* per adult, per night, tax inclusive! Experience it all with:
3-night hotel accommodations at a Universal Partner Hotel 2-Day Base Ticket to Universal Studios Florida and Universals Islands of Adventure Plus Wet 'n WildAccess to live entertainment^ at Universal City Walk Early Park Admission to experience The Wizarding World of Harry Potter and
The Amazing Adventures of Spider-Man  Universal Studios FloridaWhy just go to the movies when you can become a part of them! Step through the massive arches of Universal Studios Florida, and take a starring role in some of the biggest movies and TV shows ever created. At the worlds premier movie and TV based theme park, youll find an amazing array of rides, shows, movie sets and attractions. And while every stunt, scream and scare are delivered with Hollywood flair, theyre all just backdrops for the memories youll make.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.Universals Islands of AdventureHeroes of legend. Stories that transcend generations. Creatures from the past and from your wildest imaginations. Epic adventures and unforgettable journeys. This is Universals Islands of Adventure, your own personal playground. Experience cutting edge rides, shows and interactive attractions that challenge all your senses. Because in these lands, the worlds biggest stories come to life and theres no telling what might happen next.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.
Universal CityWalkA vacation cant just be all fun and games, can it? Oh, it can? And you want more fun and games? OK! How about Universal CityWalk, an entire entertainment complex where you can dine, dance and play the night away! Just outside both Universal Orlando theme parks is the best in restaurants, nightclubs, shopping, movies and more. Grab a quick bite or a coffee in the morning, shop and dine at your leisure throughout the day, and party the night away until 2 am.
Universal elements and all related indicia TM & 2012 Universal Studios. 2012 Universal Orlando. All rights reserved.Vacation Package Details
2011 BMP. 2011 Wet n Wild. All rights reserved. Hard Rock Hotel Hard Rock Cafe International (USA), Inc. Universal
elements and all related indicia TM & 2011 Universal Studios. 2011 Universal Orlando. All rights reserved. HARRY POTTER, characters, names and related indicia are trademarks of and Warner Bros. Entertainment Inc. Harry Potter Publishing Rights JKR.(s12)All prices, package inclusions & options subject to availability and to change without notice and additional restrictions may apply. Errors will be corrected where discovered, and Universal Orlando and Universal Parks & Resorts Vacations reserve the right to revoke any stated offer and to correct any errors, inaccuracies or omissions, whether such error is on this website or any print or other advertisement relating to these products and services.* Rate is tax inclusive, per adult, per night and based on double adult occupancy for a three night stay at the International Palms Resort Orlando, standard room. Subject to availability, room type, hotel, and travel dates selected. Rate valid for bookings now 8/31/12 and travel now 12/20/12. Reservation must be made 72 hours in advance. Additional hotels and rates available. The 2-Day Base Ticket entitles one (1) guest admission to EITHER Universal Studios Florida OR Islands of Adventure per day. Ticket is valid for any two (2) calendar days during a fourteen (14) consecutive calendar day period which includes the first day any portion of the ticket is used. This ticket also includes fourteen (14) consecutive calendar days of admission to the paid entertainment venues of Universal CityWalk which commences and includes the first day any portion of the ticket is used. The Wet 'n Wild option entitles one (1) guest admission to Wet 'n Wild for the duration of the Universal Orlando portion of the ticket.^ CityWalk Party PassSM valid for fourteen (14) consecutive nights including first day any portion of ticket is used. Not valid for separately ticketed concerts and special events. Some venues require ages 21 or older for admission. Valid photo ID required. Does not include admission to AMC Universal Cineplex 20 with IMAX or the Blue Man Group show. Subject to availability. Requires theme park admission. Early Park Admission begins one (1) hour prior to Universal's Islands of Adventure regular scheduled park opening for Universal Parks & Resorts Vacations guests who purchase a vacation package including hotel and theme park tickets. Current offer valid 7 days a week for travel 7/1-12/31/12 only at Harry Potter and the Forbidden Journey, Flight of the Hippogriff, Dragon Challenge and Caro-Seuss-el; during 3/19/12-6/30/12 valid only at Harry Potter and the Forbidden Journey, Flight of the Hippogriff, Dragon Challenge and The Amazing Adventures of Spider-Man.^^ Transportation schedule and availability subject to change without notice. Excludes Marriott Grande Vista, Holiday Inn Club Vacations Orange Lake Resort and Sheraton Vistana Villages.~ Excludes locations in The Wizarding World of Harry Potter.**Rate is tax inclusive, per adult, per night and based on double adult occupancy for a three night stay at the Royal Pacific Resort, water view room. Subject to availability, room type, hotel, and travel dates selected. Rate valid for bookings now 8/31/12 and travel now 10/4/12. Reservation must be 72 hours in advance. Additional on-sites hotels and rates available.◊ Not valid at Harry Potter and the Forbidden Journey and other select attractions. On-site hotel privileges good for hotel stay as indicated on the room key card and Universal Express Unlimited Pass. Only valid for the number of guests staying in the room. Paid theme park admission required. Ride access available during normal theme park operating hours only. Not valid for separately ticketed special events. Additional restrictions may apply and benefits are subject to change without notice.◊◊ Based on seasonal peak pricing for the Universal Express Unlimited Express pass.
Universal Parks & Resorts Vacations is registered with the State of Florida as a seller of travel. Registration number ST-24215.
 
Wet n Wild Express Pass (Available Seasonally)
Available on some of your favorite attractions. Choose from two types of passes that will help you reach the front of the ride lines more quickly. Visit the park for more details, pricing and to make your purchase.ExpressPass: Valid for one-time use per ride.
Unlimited ExpressPass: Allows unlimited use of your favorite rides at your convenience. This is a Seasonal Offer and is only available at the park.Express Pass price does not include park admission; park admission sold separately. Price varies seasonally (see park for details). Express Pass is only available for use for select rides. Limited daily quantity and additional fee required. Purchase at the park only.
EXPRESS PASS RIDES & MAP
Cabana RentalsRelax in and enjoy a cabana set in a lush, tropical oasis on an island surrounded by the Lazy River. Price includes four guests; up to two additional guests for $20 each (six guests per cabana.)YOUR CABANA EXPERIENCE WILL INCLUDE:
Refrigerator with , three complimentary bottles of water per guest
Towels
A lockbox
Table, chairs and loungers
20% off merchandise at the Breakers Beach Shop
Cabana price does not include park admission; park admission sold separately. Price varies seasonally. Purchase online or at the park. Click on Reserve Online below, for availability, pricing and to reserve your cabana today.
CABANA AVAILABILITY VARIES SEASONALLY.
CHECK FOR AVAILABLE DATES WHEN MAKING YOUR RESERVATION ONLINE.
RESERVE ONLINE--------------------------------------------------------------------------------Enjoy beach front leisure with your own dedicated lounge chair in a private seating area. YOUR PRIVATE SEATING EXPERIENCE WILL INCLUDE:
0.Two padded lounge chairs0.A lockbox0.Dedicated retractable shade structure
Price varies seasonally. Only available for purchase at the park at the Concierge or Beach Rentals Desk. Cabanas and private seating are assigned on first come/first served basis upon check-in on day of rental.
Pricing and amenities subject to change. Rentals do not include park admission.
Unlimited BBQ
Hungry? Wet n Wilds Unlimited BBQ is guaranteed to satisfy your appetite. Enjoy an all-you-can-eat buffet including a selection of entrees,
dessert and soft drinks throughout the day.
Eat as often as you like and as much as you like FOR ONE PRICE!Located at the Riverside Pavilion.Menu for All You Can Eat BBQ Fresh Grilled Hamburgers Corn on the Cob Fresh Fruit
Pulled Pork Potato Salad Dessert
Hotdogs Baked Beans Ice Cold Coca-Cola Drinks
BBQ Chicken Legs Macaroni and Cheese
Now - May 18th, 2013 - Open Saturdays and Sundays Only
Starting May 19th - Open Daily

ONLY RIVERSIDE PATRONS PERMITTED IN THE AREA. All food and beverages must be consumed in BBQ area.
Price is valid for a single day. Open during summer months, usually May through August.$33.99* per person
Offer valid for up to (6) six people per College ID. To receive discount present your valid college Id at the time of purchase at any Wet n Wild ticket booth.*Rate does not include 6.5% Florida Sales Tax. Cannot be combined with any other offer. Offer subject to change without notice.
Military DiscountsNow through December 31, 2013In advance: Visit your nearest participating military base ITT or ITR offices to purchase discounted Wet n Wild admission tickets. Tickets are eligible for a FREE upgrade to a "Length of Stay" pass, allowing for unlimited admissions for 14 consecutive days from your first visit. Tickets eligible for a free upgrade require you to present your purchased ticket at Wet n Wilds Front Gate. Upgrade must be completed on your first day of visit. Offer valid until 12/31/13. Restrictions apply.At the front gate:
Present your current Military or Department of Defense ID to Wet 'n Wilds Front Gate and receive $5 off each General Admission ticket, valid up to six (6) admissions.

Group DiscountsSingle Day Tickets Purchase a minimum of 15 tickets or more and receive a group discount. Tickets must be purchased in advance and include an all-day admission. Annual Passes - Purchase a minimum of 15 or more and receive a group discount on Annual and Weekday Annual Passes. Passes allow a single user unlimited admission for one year from first use. Passes must be purchased in advance.
Restrictions may apply. For more information on our discounted admission tickets, please call a Group Sales Representative
at 800-992-9453 or 407-351-1800 or e-mail groupsales@wetnwildorf.com. 
Parking and Rentals

Parking

Cars, Vans and Motorcycles
$12.00

RVs, Cars with Trailers
$16.00


Rentals
Towels $4.00 + tax
Lockers - Mini Size $5.99 + tax
Lockers - Standard Size $8.99 + tax
Lockers - Family Size $10.99 + tax
Life Vest Free

Deposits: There is a $3.00 deposit on each rental item, which will be refunded upon return.
Dates, times, and prices are subject to change.For specific details, call our 24-hour Information Line 407-351-WILD or 1-800-992-WILD.
For Group Sales information, please call 407-351-1800 or 1-800-992-9453.

Noob to Fat Wallet, so I'm sorry for beating a dead horse. For the last several weeks, I've been trying to figure if I need life insurance or not, and if so, what to get. I was approached by a Northwestern Mutual agent who represents a few colleagues of mine. He wanted to discuss my financial planning and recommended I look into whole life insurance as a mid-long term financial strategy. He seems like a decent guy, but I'm not sure I trust him.A little bit about me: I'm 27 years old, single, no kids, healthy, non-smoker, and my occupation is dentist. I've been working for 1 year now and I'm trying to put all the pieces in place for my financial future. I have been maxing out my Roth IRA since 2012 and have about a 3 month emergency fund saved up with a little over 10k in it. Debt wise, I have a 30k auto loan @ 1.9% and 330k in student loans ( ~255k @ 6.5% and ~75k @ 7.9%).Back to my question: The NML agent recommended I open a mixed term/whole life insurance policy now while I'm young and healthy so that I can get a low premium and accumulate tax-free money to use for any major purchases down the road (house, marriage, buying a dental office, etc). Down the road, as I need less term insurance, I would be able to convert it over to permanent life insurance without undergoing the medical underwriting. It all seemed to make sense in terms of the tax advantages and long term planning. However, after doing a TON of online reading, 99% of what I've read has led me to believe that whole life insurance is a bad situation in general and also that I may not need life insurance at all right now, whether it be term or otherwise.I am looking for a financial avenue to accumulate wealth for mid/long term with minimal risk and effort on my part. I don't have the desire right now to spend time researching different funds/indexes, etc to invest in. I would prefer to simply automatically deposit money into some sort account and let it do it's thing. Is anything out there that fits the bill? Or should I just put as much money as I can into paying back my student loans right now and forget about long term financial planning until it's all paid back? I have a very basic knowledge of the financial world (if that wasn't already made apparent by this post), so I appreciate your patience and help in this matter.

So, my Discover card was compromised. But, this was weird, never heard of anything like this before. I woke up this morning to find an email from Discover changing my email address had been updated. I called Discover and they were quite unhelpful, but after spending 2.5 hours on the phone I finally pieced together some of the story:Sometime this morning (time withheld) a small charge of 48 cents was placed with a website that sound like greatgoogallywoogally.com (I didn't catch the exact name)
Shortly later my online account was "re-registered" to another email address (which was my address with a couple numbers added to the end -- prior to the @ sign)
At some point after that someone used my accumulated Discover CashBack to purchase Land's End E-Certificates.Now for the particularly odd part: According to the last person I talked to at Discover (@ Websupport, who was the only useful person, oddly enough), whoever it was failed to answer my security questions. When I asked how did they change my email address if they didn't correctly answer the security questions she responded: "They shouldn't have been able to, I have no explanation." She also claimed that no one logged into the account since the account was re-registered. So I asked how could someone redeem my CashBack if they never logged in. She responded: "They shouldn't have been able to, I have no explanation."She did mention that she had seen a couple people have the same problem over the past 2 or 3 weeks (email updated to their email address plus a few numbers and then buying Land's End E-Certificates).I'm not sure what to make of this. I'd like to know how much of my information was compromised. In theory, whoever did it clearly had my card #, expiration date, and email address. They probably now have access to my physical address. In order to re-register the account they need the last 4 of my SS# and my date of birth, but its not clear they actually needed that since they didn't have the security question answers and they they were still able to re-register.

http://www.amazon.com/Beer-Proof-God-Loves-ebook/dp/B00403MNSK
Free upon posting, this is a LIMITED TIME OFFER which can be pulled at ANY MOMENT
Beer Is Proof God Loves Us: Reaching for the Soul of Beer and Brewing (FT Press Science) [Kindle Edition]
Charles W. Bamforth (Author)
3.6 out of 5 stars See all reviews (81 customer reviews)
Digital List Price: $25.99 What's this?
Print List Price: $25.99
Kindle Price: $0.00 includes free wireless delivery via Amazon Whispernet
You Save: $25.99 (100%) Length: 221 pages (Contains Real Page Numbers) Book Description
Publication Date: August 26, 2010Beer Is Proof God Loves Us is a funny, engaging, and downright joyous examination of the whole world of beer and brewing. Your guide, Charlie Bamforth, may be the world's #1 expert on every aspect of beer. After a worldwide search, he was selected as the first Anheuser-Busch Professor of Brewing Science at the University of California, Davis. Now, he presents the most compelling social history of beer ever written: where it came from, where the brewing business stands now, and what the future holds. In this far-reaching book, he reveals:  The extraordinary complexity and artistry that can be found in great brewing The factors that impact beer quality and wholesomeness Centuries-old cultural values embedded in good beer  Bamforth also explains what the rise of new craft breweries means to beer drinkers and what the latest global trends will have on beer consumption. The book concludes with a look to the future, illustrating how environmental issues will change the brewing industry and addressing radical new approaches to brewing, such as Happoshu and malternatives.
Amazon Coupons

Hiya Folks
I saw this tablet on a news site and was so impressed I actually pre-ordered one. I know it is not for everyone but for those of use who love tech and the outdoors, it seems like a killer item. They are crowdsourcing via a preorder deal. I don't usually post many deals but I was impressed by this one so here it is. If it is not for you, sorry to have wasted your time.Jimhttp://www.meetearl.com/The Specifications: Android 4.1 Flexible 6" E-ink screen (1024x768) Sunlight viewable with lunar lantern mode Glove friendly IR touchscreen Waterproof shell Kickstand Solar charging i.MX 6 DualLight 1GHz Cortex A9 1GB ram 16GB memory + microSD Wifi b/g/n BT 4.0 ANT+ NFC FRS/GMRS/MURS GPS + GLONASS Accelerometer Gyroscope Magnetometer Temperature Barometer Humidity Anemometer AM/FM/SW/LW IR blaster 20+ hour battery 20" usb lanyard 303 grams (10.8 oz) 183mm x 121mm x 15mm (7.2" x 4.75" x 0.6")

I've been looking for a good deal on Vitamix blenders for a bit and it seems their reconditioned models are the best deals right now with a free shipping code. Their reconditioned models are actually a pretty good value it seems because they come with a 5 yr warranty and can be upgraded to 8 years for $75 and you can save hundreds depending on the model you get for reconditioned over new.Use code 06-008426 at checkout to get free standard shipping (They charge $25 for shipping so its a decent savings)The ModelsThe 7500 (also known as the Pro 300) is the new model that they released last year with the shorter/wider pitcher, longer blades, and more powerful/quieter motor. Sells for $529 new.
https://secure.vitamix.com/Certified-Reconditioned-Next-Generati... ($399)The 6300 (aka Pro 500) has been around a bit longer and is the same as the older machines except it has preset modes. Vitamix is selling it for $649 new, although Costco sometimes has it for $500.
https://secure.vitamix.com/Certified-Reconditioned-Standard-Prog... ($379)The 5200 (Pro 200) is the standard model and has been around for awhile. It is same as the 6300 except it doesn't have preset modes. Sells for about $449 new.
https://secure.vitamix.com/Certified-Reconditioned-Standard.aspx ($329)If you're confused about all the different Vitamix models, check out this page:
http://joyofblending.com/which-vitamix-to-buy/If you have an old Vitamix, they'll give you $100 for it with their trade in program:
https://secure.vitamix.com/Trade-In-Program.aspxFor those of you who arent familiar, Vitamix's are the best blenders out there. My friend has one and in all honesty I find nothing compares to them when it comes to what they can do and how smooth they make smoothies and drinks. This is the blender professional chefs and restaurants use. This thing can heat up soups, make ice cream or sorbert, frozen drinks, smoothies, and green shakes (with raw veggies and fruit) and a ton of other things and are built to last over a decade.

These are nice. And nice, cheap present to give as a little gift. Go here add it to your cart. Sign in, and then add the code MLCKB13FNL1 at checkout.Good luck, as these won't last the day.
Meritline.com Coupons

Whole Foods Market Spend $75 or more, get $10 back EXPIRES06/30/2013 Sync 1st.Do they sell other store GCs ??

Whole Foods Market Spend $75 or more, get $10 back EXPIRES06/30/2013 Sync 1st.Do they sell other store GCs ??

Whole Foods Market Spend $75 or more, get $10 back EXPIRES06/30/2013 Sync 1st.Do they sell other store GCs ??

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"

http://www.youtube.com/watch?v=5HxrnfUTPL8mix & match: whopper original, original chicken, premium Alaskan fish

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.

I recently came across this link and thought I would share with the fatwallet community as this type of coupon is regularly requested through out the forums. Each code will be unique so no one will have to use the "guess method" to be able to take advantage of this deal. https://www.chase.com/ccp/index.j...r%E2%80%A6As per usual here are the terms and conditions for the bonus:Must be a new Chase Total Checking customer.*Service Fee - Chase Total CheckingSM has no Monthly Service Fee when you do any one of the following each statement period: Option #1: Have monthly direct deposits totaling $500 or more made to this account; OR, Option #2: Keep the daily balance in your checking account at or above $1,500; OR, Option #3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply ($10 Monthly Service Fee for CA, OR and WA). We will notify you of changes to your account terms or fees. For more information, please see a banker or visit chase.com/checking.Bonus/Account Information: Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the bonus: 1) open a new Chase Total CheckingSM account, which is subject to approval; 2) deposit $100 or more within 10 business days of account opening; AND 3) have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we'll deposit the bonus in your new account within 10 business days. The bonus cannot be used as the opening deposit. You can only receive one checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.Account Closing: If your checking account is closed within six months, we will deduct the bonus amount at closing.Banker Instructions:Eligibility: Personal checking accounts except for High School, College, and Access Checking. Coupon good one time and may not be transferred to others.
Account opening: Enter coupon code. Customer has 60 days to have their first direct deposit post to this account and then bonus will be deposited within 10 business days.
E-Coupon Receipt: Print and give to the customer.Enjoy your bonus!

For those who couldn't get the Kohl's deal, Amazon has the DC44 for $289. This is the lowest price they've had for this vacuum. I just bought it the other day for $319 .DC44 on amazon
Amazon Coupons

I owned a business, had an office, employees, etc. I did this for 8 years. I was good to my employees and business was good while it lasted.We hired a person about 2 years before closing - an older mature gentleman - to do IT work for us, who was also working on his own business but needed some part-time work to supplement his income. We became fast friends because of our common interests.He asked me to invest in his business several times; I politely declined. His business was exploding at the time...he needed help. I thought he was a great guy, felt bad for his limited resources and would offer him lots of good advice but felt uneasy about giving up cash since I needed it for my own business.At one point, my business was slowing down and his was gaining a lot of momentum. He came to me with a different idea...to share a FT employee with me so I could keep her and she could stay busy and, in exchange, I would get an equity stake in his business. He also agreed to a 24-month buyout clause because I was nervous about the state of affairs in my business. We drew up a contract and were good to go. I was happy that everyone was happy. Things went pretty well and I made sure we had lots of emails and a contract to protect us both. The buyout clause stated that, if at anytime during the 24 months, I wanted out of the investment, he would pay me a lump-sum amount for every month the resource was provided.Things steadily got slower with my business and 12 months after the contract was signed, I decided to close on my business. It was tough. I had to layoff employees, clean up the office, get rid of supplies and equipment. As part of this, I told him I wanted out of the contract which resulted in a buyout payment to me of $40k. I felt bad that I was abandoning him, but I hung in there as long as I could.Keep in mind, his business is probably worth about $5m today but I still want nothing to do with it. As it was starting to grow for him and money became big, he changed and things were stressful. I decided I would just rather bail and say "good riddance" to him.After telling him I wanted out, 30 days later he still hadn't said anything about re-payment, so I sent a follow-up email. He flipped out, ugly words were said and he came up with many reasons why he should not pay back the full value of the contract.Now, he had provided a laundry list of "expenses" that I owe to the tune of $4,000 and he tells me he's not going to pay me a dime until "we" agree on the matters. These "expenses" include his time in getting his belongings from our office after we closed the business (he valued himself at $50/hour and said it resulted in 12 hours of work) and reimbursement for a $100 gift card (with a greeting card) that he gave to me for helping him out of a tough situation.The amount is too big for small claims. Unless I agree to the $36,000, he will not pay me a dime. His expenses are frivolous and wouldn't hold up in small claims court. Can I somehow agree to his demands, but then sue him after I have the $36k in hand? Otherwise, I think i will have to get an attorney and that is going to be costly.I spent a lot trying to close my business and liquidate everyhing and have limited funds these days, so this is causing a lot of stress.8 years and I never needed one and now this. What a bummer!!!Isn't what he's doing blackmail? If I don't agree to his demands, he won't pay me anything? I'm assuming if I verbally agree, he is going to want something signed with me stating I won't sue him.

Garden Oasis Benton Neutral Sling Stack Chair
Kmart Item# 028W003938152000 | Model# SS-161-3
http://www.kmart.com/TextReg Price: $30.00 Savings: $16.50 $13.50SYWR members get $30 in points when you spend $300 or more on outdoor living, sold by Kmart. Offer ends 11-May-2013 See details.
SYWR members get $10 in points when you purchase this patio set, sold by Kmart. Offer ends 11-May-2013 See details.
Online Only! Save an Extra 10% on Patio Furniture & Outdoor Decor Sold by Kmart. Offer ends 12-May-2013
Product DescriptionCreate Matchless Sophistication with the Benton Sling Stack ChairWith the charming Benton Sling Stack Chair, you can create an ambiance of relaxed style in your patio, terrace, or backyard. The simple, clean lines of this chair and muted colors create an understated beauty which ensures that you can easily match the chair with your existing furniture. Sit back and unwind with the sturdy backrest and sides that offer complete support to the body.The Dark Brown Stackable Chair has a high quality UV-proof sling fabric that does not fade or tear easily, dries quickly and offers protection from the elements. This chair is perfect to create additional seating options for larger groups of visitors. Buy a whole lot of them because they can be conveniently stacked and used as a great entertaining accessory. Includes: 1 Neutral Sling Stack Chair
Top quality powder-coated steel frame
Quick-drying, UV-proof sling fabric that does not fade or tear
Lightweight and can be stacked together for compact storage
Simple design, clean lines and muted color finish give an understated beauty
Can be used in the patio, terrace, balcony, backyard, by the pool, and in the garden
Dimensions: 22" W x 34-1/2" H x 29" D
Keep your patio chairs looking great with the Garden Oasis chair cover
Kmart.com Coupons

Text
http://www.kingsizedirect.comFREE flip-flops with any pair of swim trunks
Flip-Flop Sandals

Flip flop with textured EVA/rubber footbed and outsole for traction
EVA/rubber foam inner liner for both firmness and flexibility
Origin: Imported.
Big and Tall Mens Sandals - Flip-Flop Sandals.Sizes: Whole sizes 9-16Widths: M(D), EW(EEEEE); M 12-16 onlyPrice: $0.00 (Was $9.99)

My partner and I had a buy-sell written 7 years ago. We cannot even remember who wrote the darn thing, but there is a clause in it concerning my partners shares that we don't understand. I know some of you are going to badger me and say I probably meant to put this in, but we both signed knowing full well what we were signing and now 7 years later just don't understand why it would be there. The clause is in regards to discounts being applied to my partner's shares if another entity (maybe me, or a 3rd party) purchases his shares, and by the way, he is 25% owner. It says that his shares will be reduced by 50%. So if his shares total $1,000,000 in value, it gets discounted to $500,000 where as mine do not get discounted at all in case I sell. So my partner asked me why that was in there and I said I didn't even remember that clause. I then told him that I vaguely remember us having a conversation with whomever the attorney was talking about non-controlling interest. Because if someone buys his shares, they are buying non-controlling interest shares. This is all I could think of, but honestly did not know.For those of you with experience in this area, is a minority shareholder's stock typically discounted like this, or in any fashion, in a buy-sell agreement? My partner wants it removed and I am not opposed to that. But I also don't want to just immediately say yes; I would first rather find out why it is in there in the first place and what is typical. Hope this all makes sense.

This HDTV comes equipped with a 46 in. Class LED display to provide you and your whole family with a truly impressive visual performance in Full HD 10If your're looking for the best deals, you've come to the right place This is where you'll find Tiger's Top 10 Laptops & Notebooks Deals! Make sure you check back everyday so you don't miss out!

This HDTV comes equipped with a 46 in. Class LED display to provide you and your whole family with a truly impressive visual performance in Full HD 10

Here is the scenario:I bought a house and declared it as a primary residence performed some work on the house; replaced bathroom, painted, siding. I initial intent was to buy the home, live there and rent out a majority of the house and make a profit. My mortgage with everything included in $650, and I was going to rent it out to my friend and his family for lets say $1000. In order for me to do so, I had to fix all the bathrooms and bedrooms and house siding. The room that I was going to reside in was also going to be used by my friend/renter as storage space. Basically they were going to rent the whole house and I was still going to live there. After I got everything fixed for him, he stayed there for 5 days and moved out due to family issues.Can I perform a schedule E on my taxes.

Posting in Finance because I believe that a lot of FW users are interested in the intersection of money, government and politics.IRS apologizes for targeting conservative groups
By The Associated Press
5/10/13 10:52 AM EDTThe IRS is apologizing for inappropriately flagging conservative political groups for additional reviews during the 2012 election to see if they were violating their tax-exempt status.Lois Lerner, who heads the IRS unit that oversees tax-exempt groups, said organizations that included the words "tea party" or "patriot" in their applications for tax-exempt status were singled out for additional reviews.Lerner said the practice, initiated by low-level workers in Cincinnati, was wrong, and she apologized while speaking at a conference in Washington.Many conservative groups complained during the election that they were being harassed by the IRS. They said the agency asked them an inordinate number of questions to justify their tax-exempt status.Certain tax-exempt charitable groups can conduct political activities, but it cannot be their primary activity.

The track that got David Bowie's most commercially successful album, Let's Dance, off to a roaring, 1980s big beat start, "Modern Love" proved the art-rocker could go mainstream as deftly as the multitude of young bands who studied him. The euphoric rush of the track, which talks show biz as much as existential angst, is the real takeaway here: good pop music creates joy. Nick Dedina, Google PlayLink to the album below - track #1https://play.google.com/store/music/album?id=B7pqaa53bleo7zayw5g...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

http://www.groupon.com/deals/gg-knex-dale-jrs-garage-building-se...K'Nex Dale Jr.'s Garage Building SetKids gear up for imaginative adventures with a K'Nex set evoking racing superstar Dale Earnhardt Jr.'s garage. The set includes four different 3-inch #88 cars, each of which was authentically re-created in microscale. Sponsor logos and realistic paint schemes surround a pintsize Dale Jr. K'Nexman who ensures all your tuning and tweaking doesn't include cutting the brakes.
FeaturesDale Earnhardt Jr. garage with authentic sponsor logos and paint schemes
Four #88 race cars include Amp Energy, National Guard, JR Motorsports, and Camo National Guard
Microscale versions approximately 3 inches in length
Set recommended for ages 5 and up, just like a firing a T-shirt cannon
Standard K'Nex parts made in the USA
Hours of creative fun

As always, check before purchasing - only guaranteed free at time of posting. 4-5 stars, some also available in hc or pb. Enjoy these and those posted later by others!How I Found Livingstone [Illustrated] by Sir Henry M. Stanley (Feb 23, 2009) - Kindle eBook
LinkThe Travels, Adventures and Discoveries in Central Africa including four months residence with Dr. Livingstone.CHAPTER. I. - INTRODUCTORY. MY INSTRUCTIONS TO FIND AND RELIEVE LIVINGSTONE.
On the sixteenth day of October, in the year of our Lord one thousand eight hundred and sixty-nine, I was in Madrid, fresh from the carnage at Valencia. At 10 A.M. Jacopo, at No.-- Calle de la Cruz, handed me a telegram: It read, "Come to Paris on important business." The telegram was from Mr. James Gordon Bennett, jun., the young manager of the `New York Herald.'
Down came my pictures from the walls of my apartments on the second floor; into my trunks went my books and souvenirs, my clothes were hastily collected, some half washed, some from the clothes-line half dry, and after a couple of hours of hasty hard work my portmanteaus were strapped up and labelled "Paris."
At 3 P.M. I was on my way, and being obliged to stop at Bayonne a few hours, did not arrive at Paris until the following night. I went straight to the `Grand Hotel,' and knocked at the door of Mr. Bennett's room.
"Come in," I heard a voice say. Entering, I found Mr. Bennett in bed. "Who are you?" he asked.
"My name is Stanley," I answered.
"Ah, yes! sit down; I have important business on hand for you."
After throwing over his shoulders his robe-de-chambre Mr. Bennett asked, "Where do you think Livingstone is?"
"I really do not know, sir."
"Do you think he is alive?"
"He may be, and he may not be," I answered.
"Well, I think he is alive, and that he can be found, and I am going to send you to find him."
"What!" said I, "do you really think I can find Dr Livingstone? Do you mean me to go to Central Africa?"
"Yes; I mean that you shall go, and find him wherever you may hear that he is, and to get what news you can of him, and perhaps" --delivering himself thoughtfully and deliberately--"the old man may be in want:--take enough with you to help him should he require it. Of course you will act according to your own plans, and do what you think best--BUT FIND LIVINGSTONE!
======================================The Woman Who Lost Her Face: How Charla Nash Survived the World's Most Infamous Chimpanzee Attack by NBC News and Meredith Vieira (Mar 19, 2012) - Kindle eBook
LinkThrough Charla I have learned that the will to survive is a powerful force and that human courage knows no bounds. NBCs Meredith VieiraViciously attacked by a chimpanzee in 2009, Charla Nash was left so severely disfigured that she no longer had eyes to see the world, hands to feel it or even a face to show it. By her own doctors accounts, she never should have survived her injuries.Charlas story is one of incredible strength, fierce determination and cutting-edge medicine. NBC News and Meredith Vieira have been covering the story since the life-altering attack, documenting Charlas unfaltering spirit and the remarkable surgeries that not only kept her alive, but gave her a new face and, ultimately, restored her very humanity.Featuring candid and exclusive interviews with Charla, her family, her doctors and the chimpanzees owner, The Woman Who Lost Her Face is an intimate look at Charlas life before and after the attack. This in-depth account takes you inside the operating rooms and hospitals where medical history was made and includes new details about the chimpanzee who mauled Charla to the brink of death and the woman who raised the animal as her son. The Woman Who Lost Her Face also features never-before-seen images of Charla and insight from the NBC News producers and reporters who covered the story.
=================================

Monsterlinkola. Scroll down for itemM2000 HDTV HDMI Cable - Refurbished
*Ships in a Poly-Bag*The world's fastest cable for HDMI: HyperSpeed-high speed rated with a bandwidth exceeding 21 Gbps for those who seek the definitive high definition home theater experience - with current and next generation equipment. Get the finest picture and sound from 4Kx2K resolution HDTVs, advanced projectors, Blu-ray Disc players and game consoles, and see cutting-edge 3D movies and games come to life with full support for dual 1080p video streams.
16 ft. HDMI A/V Cable - 4.88 m. sku:128085-50
Price $179.93 (Regular $350 )

Just a general question but given that:-The Fed at some point will stop inserting liquidity into the market
-Funds have been flowing from bonds/gold into equities and dividend stocksWhat happens to the returns of bonds in the future? Could they go double digit negative?If the above happened, would people who got burnt in the 2008 downturn and learned their lesson and moved into 'safer' bonds when they were nearing retirement, get burnt again?Would this force people to 'un-retire' and cause issues?

saw this on a rival site , and they are hating this deal. sounds pretty good to me ?
Beginning May 22, the Nokia Lumia 521 an exclusive to T-Mobile will be available online at www.T-Mobile.com, at T-Mobile retail stores, select dealers and national retailers for $29.99 down with 24 equal monthly payments of $5 ( at 0% APR ) for customers with the new Simple Choice Plan.Powered by Windows Phone 8, the Lumia 521, which will run on T-Mobiles fast nationwide 4G network, is a perfect, everyday smartphone that will embody a range of high-end features at an affordable price. The smartphone features a super sensitive 4″ touch screen, HD Voice, 5MP camera with auto focus and 720p HD video recording. It will also include exclusive Nokia applications such as Nokia Music, Cinemagraph, Creative Studio, Panorama, Smart Shoot and HERE Drive, Maps and Transit.Lumia 521 smartphones sold through T-Mobile will also feature Wi-Fi Calling. Customers who have already purchased or ordered a Lumia 521 through HSN, Microsoft Retail Stores or WalMart will receive an over-the-air maintenance release beginning May 20, which will enable the Wi-Fi Calling feature.
T-Mobile Coupons

Long time reader and first time post. I appreciate all your response. I was approached by Chase Private Client banker last weekend at the bank branch office. He said they would like to meet with me regarding their service and stated that they would like to make an appointment this coming week to go over my financial info (specifically my investment portfolios such as 401k, IRA and personal investment). I agreed to meet with Chase financial advisor since it was free and told them that I will bring my statements for all my investment so that they can assess. I did some research and found that Chase Private Client requires certain minimum require amount of to qualify (I think it was 250K). I only bank and have a few Chase Credit Cards. Im in late 30s, married with 2 kids. I have about 450K of investment (IRA-100K, 401K- 200K, 150K- personal investment (stocks, mutual funds and bonds). I really dont have time to research my investment so I usually change my investment portfolios once a year. The average return for last 3 years was about 10%.
Here are my questions:1. Any feedback from people who have been part of the program.
2. Is this service worth it? I couldnt find any service fees in their website.
3. If Chase Private Clients last 3 years of returns with service fees are greater than mine, Im thinking about switching since I dont have to hassle of managing the investment. Any thoughts
4. What other questions should I ask?
Thanks for your help

Searched the forum, but haven't seen the exact same deal- so here it goes.Click Me :)Use the coupon code of EMCXRXL49 to get additional 15 percent off. My rule of thumb for SSD is 50 cent per a gig and this was awfully close. I know it is a refurb, but it could be a deal for those who are penny pinchers like me. It does NOT use SF based controller, so no need to worry about getting its BSOD thingy too Here is some reviews- mostly postive if not received recommended awards:Review!!
Link2
Newegg Coupons

Your ExtraCare card must be linked to your CVS.com account to save.
Just sign in and enter coupon code 30EXCLUSIVE at Checkout.*http://www.cvs.com/* Offer available online only. Expires on 05/12/13 at 11:59 PM ET. Offer available only to customers who are signed in to their CVS.com account and have Extracare card attached. Offer may only be redeemed once per customer. To receive the 30% off sitewide discount, enter coupon code 30EXCLUSIVE at Checkout. The 30% off sale cannot be combined with another product sale running at the same time. You will receive the larger discount. The 30% sale excludes prescriptions and gift cards. Savings are not transferable. No Cash Back. Tax charged on precoupon price where required. Tax and shipping charges are not applicable towards your order total. Excludes prescriptions and gift cards. These products are not discounted: As Seen on TV products, Baby Food & Formula, Badger, Belli, Better Body Solutions, Bodi Rocker, Burts Bees, CHI Appliances, Depend, Essie, Epilady, Fekkai, Fertilaid, GHT, GoWear, HP, IMAK, Ionic Pro, John Frieda Color Foam, Kelemata, Kidco, LaneLabs, LaRoche-Posay, Lierac, Medela, Olay Pro-x, OXO, Oraquick, Orly, Philips Heartstart Home Defibrillator, Prevagen, Pre-seed, RCA Personal Sound Amplifier, RoC, Rock Hard Weekend, Sensa, Sinupulse, Skin Doctors, Spermcheck, Vichy, Violight, WaterWorks Natural Vaginal Cleansing and Odor Elimination Douche, Zanfel, Zeno, Craig MP3 players, Net 10, T-Mobile prepaid cell phones and all Salon Hair Care products.
CVS Coupons

The Shawshank Redemption (Single-Disc Edition) for $4.70 + free shippinghttp://www.amazon.com/The-Shawshank-Redemption-Single-Disc-Editi...Prime Shipping
A prominent banker unjustly convicted of murder spends many years in the Shawshank prison. He is befriended by a convict who knows the ropes and helps him to cope with the frightning realities of prison life
.
Actors: Tim Robbins, Morgan Freeman, Bill Bolender, Larry Brandenburg, Brian Brophy
Format: AC-3, Closed-captioned, Color, Dolby, Dubbed, NTSC, Subtitled, Widescreen
Language: English (Dolby Digital 5.1), French (Dolby Digital 4.0)
Subtitles: English, French
Amazon Coupons

$4 for $10 Worth of Gasoline, Car Washes, and Convenience-Store Snacks at Shell
Convenience store & fuel station offers auto supplies, food, snacks & car wash & fills tanks with gasoline at 14,000 locations nationwideLINKYYMMV: This deal is invitation-only. Only those who've received a designated email are eligible to purchase it.

nyuhipster's post a few hours ago for the 15.6-Volt version inspired me to post this deal. Unfortunately, that duster buster uses the cheaper/weaker nickel-cadmium (Ni-Cd) battery. For those willing to spend a bit more on lithium ion (Li-Ion), this deal is unbeatable:Link: http://www.amazon.com/dp/B006LXOJC0/Save $10.00 when you spend $50.00 or more on Qualifying B&D Items. Simply add to cartdiscount will show up on checkout.This will bring the price from $69.97 to $59.97!Or, for those who are ok with a bit more risk and less warranty, I'm also a fan of the "like new" Amazn Warehouse version for $50.37. I've had good experiences with buying that condition for a discount.
Amazon Coupons

TextChef Buddy Fruit Chute Dispenser
A Stylish Way to Eat Healthy Fruit!
Self-Dispensing Action
Encourages Children and Adults to Choose Healthy Food Options
Made of Chromed Steel Wire and Small Space-Saving Footprint
Dimensions:11" D x 3.75" W x 12.25" H
Hand Washing RecommendedLiven up breakfast and snack times with our fun, fantastic fruit chute! Ideal for oranges and apples, the fruit rolls down the chute every time you pick one out. The self-dispensing action is eye-catching and encourages children and adults to choose healthy food options.

If an apple a day keeps the doctor away, than the only person wholl dislike this is your family doctor!
Tanga Coupons

I held a GMAC mortgage, which was recently transferred - about 3 months ago - to Ocwen. Smooth, no action required. Now I am receiving calls from a 313 local Michigan number, almost every day, where the caller is saying he or she is from Quicken Loans and they've recently acquired my servicing rights. I finally called back and spoke with someone, who tried to get me transfered to someoen who wanted to refinance my rate.Anyone else? This legit? According to this press release (http://www.advfn.com/nyse/StockNews.asp?stocknews=OCN&article=56... the sale happened, but shouldn't there be something in writing or some other RESPA guidelines? At first I thought it was a phishing scam, but now I think it's just Quicken Loans trying to sell me a refinance?Thanks.

TextHeart Pendant with Swarovski Crystal in Sterling SilverSKU: sf4259cyw18 For those who already wear their heart on their sleeve, a glamorous heart pendant! A blanket of shimmering white Swarovski crystal totaling 5/8 ct covers the face of a piece set in sleek sterling silver. Piece measures 7/8 by 5/8 inches.
Comes with a sterling silver 18-inch box chain. 
Price: $69.00 Sale: $31.00 $19 w/code WEEKLYDEAL
Jewelry.com Coupons

Gun Digest eBook: Combat Shooting with Massad Ayoob (46% off Retail) $9.99http://www.gearhog.com/Deal Overview
Combat Shooting with Massad Ayoob (Digital PDF DownloadFormat: eBookThis digital version of Combat Shooting with Massad Ayoob features all of the critical self-defense, tactical and concealed carry information of the print book in a single PDF download. (21 MB)Table of ContentsChapter One: Mindset
Chapter Two: Learning Combat Shooting
Chapter Three: Three Gunfighters
Chapter Four: Competition as Training
Chapter Five: ChoicesA Word from the Author, Massad Ayoob"I started this book with the section on mindset, because that's where it all begins with the practitioner and therefore, is the core of the matter. "Next comes a structured guide to learning combat shooting, because that's where the practitioner gains the ability to weave together the necessary elements of this multidimensional discipline."In the middle of the book we analyze the experience of three gunfighters who all 'faced the elephant' more than once. It's striking how much they have in common, and on how many levels."Next is an introduction to the competitive element of combat shooting, and a rationale for why - though it's not complete training in and of itself - competition can be an extremely useful component of training, skill maintenance, and skill assessment. "Finally, we close with some of the choices the serious combat handgunner has to make if they're going to get the most out of the whole endeavor."

Newegg has Dell UltraSharp U2410 24-inch Widescreen LCD High Performance IPS Monitor with HDMI, DVI, DisplayPort and HDCP for $380 - $50 w/ code "HNJWGQZ40" = $330 with free shipping and no tax for most.Cheapest price I found so far, so I guess this is a good deal for people who need IPS monitor with 1920x1200 resolution.LINK
Newegg Coupons

How many times have you forgotten to print off a 40% coupon before going to Hobby Lobby?Now you can use your mobile device and head over to their website where you will find a 40% off coupon that can just show the cashier.Link to Hobby Lobby 40% off Mobile CouponFor those who still do things the old fashioned way, here's the 40% off coupon you can print at home and take with you.

Hello. I'm new here, except that I've been getting the FW Deals email for about a year now. Browsing the forums I noticed someone who had a thread like mine, so I was hoping to get some advice for myself. I had a bankruptcy when I was 20 that kind of haunted me for a long time. Always been terrible about paying my bills on time and so my credit is awful. When we got married she had New credit... not really good or bad. But it has gone down hill over the last several years. The house is in both our names and we have made many late payments and our credit took a hit each time.She's has been with the same company since she got out of college and has a really nice job that offers pretty much unlimited OT opportunities. She always gets 15 hrs OT every week. We have insurance through her company. They offer 401k but she has not activated it yet.I have a new job (less then 3 months) that pays well. No insurance offered. No 401k offered.
Married: YES
Ages: Early 30s.
My Education: HS
Her Education: BoFA
Children: Two (5 and 7 years old)
Job: Both Employed FT
My Take Home: $1,600 (Bi-weekly)
Her Take Home: $1,300 (Bi-weekly, Amount includes 15 hours OT she generates every two weeks, this is guaranteed and does not fluctuate)
Combined Take Home: $5800/mo
Region: Southeast
My 401k: $5,300 (I no longer work at the company where this 401k was started, and no longer contribute to it but I still get quarterly statements.)
Her 401k: $0 (Have not initiated her 401k yet... but her company will match 3% and contribute up to 6%)
Savings: $0
NO OTHER ACCOUNTS OF ANY KINDExpenses
My mortgage was an 80/20 split. Recently Wells Fargo admitted to fraud and I was part of a class action settlement that netted me $300. My interest rates are 7% on each loan. House is small 2 bedroom, 1 bath, 1100sq/ft. I feel like I was ripped off when I bought this house. It had major problems with the roof, the plumbing, etc. It was a rental before I bought it and man was it dirty! But I loved the neighborhood and the house has charm. Still, I feel like a sucker for paying so much monthly on this small house. I know I am not getting any bang for my buck here. Outstanding balance on house is: $75,000
Mortgage #1: $735/mo
Mortgage #2: 135/mo
Electric: $200/mo
Cellular: $187/mo
Auto Insurance: $75/mo (Currently we have 1 vehicle)
Fuel Expenses: $240/mo or $60/wk, sometimes more if go "for a drive".
Groceries: $600/month
Satellite TV: $225/mo. (We just upgraded to premium service for HBO... Game of Thrones is back on!!)
Internet: $70/mo
Netflix: $8/mo
Child School Lunch Program: $30/mo
Other Expenses: $45/mo
Her Student Loan: $150/mo. (Owe $12,000, we haven't been paying this for years and have been doing deferments where they carry the loan over for 6 months)Credit Cards
Bank of America (Closed): $600 Balance (Going on 5 years)
Hospital Bills: $1,500 (Going on 7 years)
2012 Taxes Owed: $500 (Extension filed)
No other debt of any kind.We are all caught up on all monthly bills.Current Spending Priority: New Heat Pump by June 1 or we have NO A/C for summer! Estimated Cost: $2800 installed.4 Year Goal: Improved Credit, Move to Larger House!THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR COMMENTS!

This Mother's Day weekend V SHOE LOUNGE offers Free EYEBROW THREADING to everyone who visit their store located at 709 E Golf Rd Schaumburg IL=60173 on 11th & 12th May 2013 from 10:00am-5:00pm so if you are living in or close to Northwest Suburbs of Chicago don't miss this one time open to public event & Spread this news amongst your friends & family. (NO Purchase Required)For more info visit www.facebook.com/vshoelounge

Text
Macys.com/FRAGRANCE

GUCCI GUILTY Gift Set Web ID: 824224
A $113.00 Value
Only $78.00  
Free Shipping at $50! Enjoy Free Shipping with any $50 Purchase! detailsFree gift with purchase with your qualifying fragrance purchase detailsFree gift with purchase with your qualifying fragrance purchase detailsGucci Guilty is a statement about who you are. The fragrance is a daring, oriental floral that combines notes of mandarin, pink pepper, peach, lilac and amber. Awaken your senses with an edge of sexiness and sensuality with this Gucci Guilty Gift Set, which includes a Eau de Toilette 1.7 oz and Body Lotion 3.3 oz.
(A $113 value) Only $78
Receive a FREE 2-Pc. Bangle Set with $75 fragrance purchase
Color: No Color Web ID: 826729 In Stock: Usually ships within 2 business days. Receive 3 FREE Fragrance Samples with $65 fragrance purchase
Color: No Color Web ID: 838119 In Stock: Usually ships within 2 business days.
Macy's Coupons

Another Navy Federal Promotion!LinkThis week is all about our Active Duty, reserve, Guard, and retired military members. To show our appreciation for your service, we're offering the following specialsjust for you! But hurrythese offers are only available May 4-11.Give Membership. Get Money!
Everybody loves a little extra cash. Refer a member of the armed forces to join, and you'll each get $40.1
Download the form.Maximize Your Savings
Take your savings to the next level with a Military Appreciation Certificate.
This certificate offers a 12-month term with a $25 minimum balance and a $5,000 maximum balance2 at 4.00% APY.3
Open NowGet Cash for Active Duty Checking4
Open or convert to an Active Duty Checking account, which requires a qualifying Military Direct Deposit, and get $40.5Transfer Your Balance and Save
Open a new Navy Federal credit card, and you can save on monthly payments and consolidate payments by transferring your credit card balance for a 0% fixed intro APR for six months. Plus, get a 0% fixed intro APR on purchases for six months. After that, a variable rate between 7.99% APR and 18% APR will apply to both balances transferred and purchases.8 Use Promo Code 24220. Apply NowRefinance and Get $300!6
Bring your auto loan to Navy Federal and get a low rate and $300. Plus, there's no refinance charge. That's a whole lot of savings!
Apply NowSave on Your Next Loan
Great rates get even lower with a 1/4% APR discount7 on loans, just for you. This includes auto, motorcycle, boat, and personal loans.
Call or visit a branch now.

0 Posted By: FatWallette
Views: 246 Replies: 0




FRS is a full line of products based on clinical sciencenot marketing hype. (And they taste great, too!)

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FRS Healthy Products Coupons

0 Posted By: FatWallette
Views: 2 Replies: 0


Buy the hottest video games, consoles and game accessories for Wii, Xbox 360, PS3 and 3DS from cheap free shipping worldwide wholesalers on Eachgame and get worldwide delivery.



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LINKPrinter 
Print Speed (up to)4" x 6" Borderless Photo: Approx. 44 seconds1
Black:ESAT (Black) Approx. 9.9 ipm4
Color:ESAT (Color) Approx. 5.7 ipm4

Number of NozzlesColor: 1,152 / Black: 640 / Total: 1,792

Picoliter Size (color)2 and 5

Print Resolution (Up to)Color:Up to 4800 x 1200 dpi2
Black:Up to 600 x 600 dpi2

Paper Sizes4" x 6", 5" x 7", 8" x 10," Letter, Legal, U.S. #10 Envelopes

Paper CompatibilityPlain: Plain Paper, Canon High Resolution Paper; Super High Gloss: Photo Paper Pro Platinum; Glossy: Photo Paper Plus Glossy II, Photo Paper Glossy; Semi-Gloss: Photo Paper Plus Semi-Gloss, Photo Paper Pro Luster; Matte: Matte Photo Paper; Envelope: U.S.# 10 Envelope

Printer FeaturesAirPrint, Auto Duplex Print, Auto Photo Fix II, Borderless Printing9, Calendar Print, Document Printing, Google Cloud Print, Full HD Movie Print5, Fun Filter Effects, My Image Garden, Mobile Device Printing, Photo Direct Printing (Memory Card), Photo Printing, PIXMA Cloud Link, Template Print, Quiet Mode, Web Template Print, Wireless Printing, Evernote

Output Tray CapacityAuto Sheet Feeder: 100 Sheets

Copier 
Copy Speed (up to)FCOT(Color) Approx. 20 seconds3

Copy Features4-on-1 / 2-on-1 Copy, Auto Exposure Copy, Auto Photo Fix II, Borderless Copy, Fade Restoration, Fit-to-Page, Frame Erase Copy, Multiple Copy: 1-99 Pages, Photo Reprint, Preset Copy Ratios, Two-sided Copy, Zoom

Scanner 
Scanner TypeFlatbed

Scanning ElementContact Image Sensor (CIS)

Max. ResolutionsOptical:1200 x 2400 dpi
Interpolated:19,200 x 19,200 dpi

Scanner FeaturesAuto Scan Mode15, Attach to E-Mail Scan, Network Scan, Push Scan, Scan to Memory Card, Wireless Scanning

Color Depth48-bit internal/24-bit external

Max. Document Size8.5" x 11.7"

Photo Connect 
Media Card SupportSD card, SDHC Card, MultiMediaCard, MultiMediaCard Plus, miniSD Card, miniSDHC Card, RS-MMC, MMC mobile, Memory Stick Duo, Memory Stick PRO Duo, Memory Stick Micro,

General 
Other Features2.5" LCD, WiFi LED, FINE Cartridge Hybrid Ink System, CREATIVE PARK PREMIUM17, Dual Color Gamut Processing Technology, Quiet Mode, FastFront, Quick Start

OS CompatibilityWindows 7, Windows 7 SP1, Windows Vista SP1, Vista SP2, Windows XP SP3 32-bit, Intel processor and Mac OS X v10.5.8, 10.6, 10.718

Standard InterfaceWireless LAN (IEEE 802.11b/g/n), Hi-Speed USB7, Card Slots

Software IncludedSetup Software & User's Guide CD-ROM
PIXMA MG4220 Printer Driver
Easy-WebPrint EX6
My Image Garden
Quick Menu

Dimension (W x D x H)17.7"W x 12.0"D x 6.0"H

Weight12.4 lbs

Warranty1-Year limited warranty with InstantExchange program. 1-Year toll-free technical phone support19
 
LINK
Canon Coupons

Keren Ann likes to keep things cool and mysterious. This mid-tempo romantic number, an indie hit, keeps building on itself, as the flamenco handclaps are joined by a blues harmonica, a dirty guitar, strings and Swingle Sisters-style bopping backing vocals. Keren Ann remains serene, yet sensual, through it all; this is a lady who likes to stay in control. Nick Dedina, Google PlaySong #2 - link to the album below
https://play.google.com/store/music/album?id=Blidizcq4577vi2uago...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

For those who got the Samsung ATIV 500T last week with $100 off at $taples or from CowBoom, now get the keyboard docking station at $taples B&M for $70.Add last week's 20% coupon to score a bigger deal. Coupon now expiredOnline shows full price, but the fine details to the 5/5-5/11 weekly ad (page 3 right below the ATIV Tablet listing) states $70. Rings up at $70 at B&M.
Staples Coupons

Best Buy offers the refurbished Samsung 5.1-Channel Blu-ray Disc Player Home Theater System, model no. HT-EM35, for $49.99 plus $12.88 for shipping. Features include a Blu-ray and DVD player, four satellite speakers, center-channel speaker, subwoofer, Samsung Smart Hub (with apps for Netflix, Hulu Plus, Pandora, and more), iPod dock, Ethernet and USB ports, HDMI output, and more.
A 90-day warranty applies, although it's not clear who supports it.
Link......http://www.bestbuy.com/site/Samsung+-+Refurbished+5.1-Ch.+Blu-ra...Retails new for $150.00
Best Buy Coupons

UPDATE: changed primary income to "assets", as the consensus is that salary is an irrelevant measure..I'm curious what everyone's "locked/timed spending" to primary income ratio is. When I talk about "locked/timed spending", I'm referring to items like gift cards, rewards(Staples etc), vs your salary, or other primary income. Obviously, those who are heavy hitters and focus on this type of income generation will have much higher ratios, but I'm looking for a discussion/comparison of those who do it as a hobby, supplemental income as a side thing to a regular job, or just to get great deals, though any data point would be interesting.With a garage full of stuff I may or may never use or sell, I'm wondering if there is a more sensible and/or safe amount to adhere to, or if anyone has even thought this topic. At what point do you start saying no to "good deals"?If some one has a better word to describe what I am referring to, I'll change the title or point me to an ongoing thread.To start off, my ratio varies around 7-9% stuck in things where I am forced to spend it in a specific store and/or a specific time frame. I am not counting items like prepaid cards, as I consider those as cash. (or should I?)

I want to make a gift of one or $2000 to my nephew who is 12. I don't want the funds to be commingled with the family's money (I don't know if the marriage will last). And I intend the money for college expenses. I'm wondering what ideas people might have to do this. I was thinking of a 529 plan that I own (529 so I won't suffer any tax liability) ... But I wonder how to make him and his parents believe that it's really his. It seems too sensitive to ask his parents for ss#s to have a UGTMA account or a 529 plan that they own. Just thought I'd throw it out there. Thanks.

We are considering moving from San Diego, CA to cities within easy commute of Boulder, CO. I value advice from the FW community, so I'm looking for advice, gotchas, regrets, etc. The primary motivation is to save on housing costs.Background:
I'm early 30s, wife is late 20s. Both work relatively stable jobs at large companies. I have a confirmed position within the same company at their Boulder office, with same pay and similar responsibilities. Wife is still negotiating the move with her employer, who happens to have a branch in Denver. If it doesn't come through, she is confident of finding a similar position at another company in Denver or Boulder. We have a 1 year old. No relatives within 500 miles of either city. We plan to rent out our condo in San Diego, rent a place in Boulder or nearby cities, and potentially settle there. Please poke holes in my plan. Also really appreciate any ideas on which neighborhoods to pick, which ones to avoid, financial changes that I might be overlooking.

FWF,Did a search... couldn't find anything...I am in the process of learning everything I can about rentals and "passive income." Our property taxes just came out in IL and in talking with my neighbor (who does this for a living) he mentioned all of his units have a ratio of property taxes / gross revenue of 20%-28%.My question is: what is an acceptable ratio for these two variables? Mid-20% seems quite high to me.Note - My neighbor rents to college students in multi-unit homes and also believes he is assessed high.

http://act.credoaction.com/sign/plant_a_tree_b/?
ONE DAY LEFT - EXPIRES LATE MONDAY NIGHT
(Why bother saving/planting a tree: http://www.savatree.com/whytrees.html It's a free tree for the world and for the environment.)

For those who got the Samsung ATIV 500T last week with $100 off at $taples or from CowBoom, now get the keyboard docking station at $taples B&M for $70.Add last week's 20% coupon to score a bigger deal.Online shows full price, but the fine details to this weeks ad (page 3 right below the ATIV Tablet listing) states $70. Rings up at $70 at B&M.
Staples Coupons

Not just the United States , but the whole world is buying these Nokia Lumia 521's !
Sold out online , but just today restocked in stores.
Of course you will want to check WalMart.com for your availability.
http://www.walmart.com/ip/Nokia-Lumia-521-4G-Smartphone/24099994
Walmart Coupons

I'm looking for historical experiences of members and maybe what they've seen in people around them too.Specifically, I'm looking for experiences on the financial aspect with a spouse:
1. Should both people already be aligned prior to marriage on their approach to finances/saving/etc.? Did this turn into a bigger issue later on for those who did not address it before marriage?
2. Has anyone successfully helped a spouse improve their situation, or is that normally a lost cause? (Teaching them to save, etc.)My specific situation: I've been seeing a girl who is very different from me - decisions are really based on emotion rather than fact. Her: 30 years old and earns 40k, has 25k of debt on a new car, no retirement, no real savings, etc. and essentially lives paycheck to paycheck. She didn't have health insurance until I made it a priority, and I'm not sure she truly grasps the benefit of it. (She raised her deductible to 7500 from 5000 the other day to "save money" when in reality she doesn't even have savings to cover the $5,000 level)Me: 25 and make > 65k, no debt, and have a net worth of ~100k with 50k liquid including retirement, savings accounts, brokerage accounts, HSA, etc. I live with a roommate, maximize CC deals, etc.My approach is that if I know I want to have a family, I know major expenditures will likely include a home ($50k down payment), college expenses for the kids ($100k each in today's dollars), etc. It's much easier for me to save money now than later in life, and it provides me a lot of flexibility later in life. She has 5 years on me of time and I don't think she's ever been around people like me before, so it hasn't ever (and still isn't) been a priority to have finances in order or even plan for the future. (She's often been in a sales environment and I'm 99% confident her coworkers haven't ever even opened a retirement account - the impression I have is that they all live in the present searching for short term excitement)I've spoken to some coworkers and it seems like the spouses who did have a habit of saving a bit were taught to do so from an early age. I'm debating if it's worth pursuing with her given the big difference in our situation. I know that I would never marry her unless we had the finances figured out and an already established track record on her part. Any changes on this aspect need to happen far in advance - I'm certain of that. The challenge is knowing if I should put in 2-3 years and take it 1 step at a time to help her. This might mean getting her to open a 401k and start by putting $50/month in it, then getting her to ramp it up after a year or so of creating a habit. The real issue is that I don't think she feels a desire to figure this out at all, and so any effort on my part is not benefiting her life today, and future problems are not visible today. ("Why would I need to save for retirement? I like my work and plan to keep working")

For those who need a waterproof case for iPhone or other smartphone, here is a decent case with 40% off using CLHTX39E discount code at checkout. Final price is $7.8 if you have Amazon prime shipping.
It comes with jogging armband too.
http://www.amazon.com/gp/product/B005PQ2CAA
Amazon Coupons

VIZIO 70" Class (69-1/2" Diag.) LED 1080p 120Hz Smart HDTV
Amazon Prime Price: $1678 + FREE SHIPPING
Amazon Non-Prime Price: $1698 + FREE SHIPPING
BB Price: $1699.99 + FREE SHIPPING
Model: E701I-A3Inputs: 4 HDMI (2 rear, 2 side), 1 shared component/composite (rear), 1 PC (rear) and 1 RF (rear). Also includes a built-in Ethernet port, 2 USB ports, and a smart remote with QWERTY keyboard.
Outputs: 1 analog audio and 1 digital audio.Ambient Light Sensor:Yes
WiFi:802.11n
DLNA:YesPower Ratings
Power Consumption:103.22W
Standby Power Consumption:<1W
Energy Compliance:ENERGY STAR 5.3Wall Mount Specifications
Hole Pattern:400mm x 400mm
Screw Size:M6
Screw Length:10mm
Screw Pitch:1mmOfficial Vizio site link: http://store.vizio.com/e701ia3.htmlNote: This is not THE best price ever for this TV, but it's a pretty good one for someone that wants a 70" that doesn't have a wholesale store membership and doesn't want to wait.Amazon Link: http://www.amazon.com/VIZIO-E701i-A3-70-inch-1080p-120Hz/dp/B009SJNTIY (Prime members get an additional $20 off by clicking the link on the page that says "Prime Members Save $20 on This TV")BB Link: http://www.bestbuy.com/site/VIZIO+-+70%26%2334%3B+Class+(69-1/2%26%2334%3B+Diag.)+-+LED+-+1080p+-+120Hz+-+Smart+-+HDTV/7172054.p?id=1218832139374&skuId=7172054
Best Buy Coupons

http://act.credoaction.com/sign/plant_a_tree_b/?Why bother saving/planting a tree: http://www.savatree.com/whytrees.htmlIt's a free tree for the world and for the environment.

Until recently I've only had my one local bank's credit card-- but I've branched out lately and signed up for a three new credit cards to maximize my rewards (PenFed platinum, Chase Freedom, Chase Sapphire). I think I'm at a point where I'm not missing out on a whole lot as far as cash-back opportunities go. But there's still a lot of cards out there that have attractive sign-up bonuses. I'd jump on these while I'm at it, but I know signing up for new lines of credit frequently will mess with your credit rating, so I have held off. I understand there's no hard and fast number for how frequently you should be enrolling for new credit. But I'm sure many of you have opinions and experience in this area, so I was hoping to hear how many credit cards you'd feel comfortable signing up with in a span of a few months before you decided to cool it. Thanks!P.S. I don't believe in carrying a balance and I am very meticulous (and frugal) about my money management. The concern about having too many credit cards to keep straight, or the opportunity for mismanaging credit is not a concern here.

From TmoNews:To celebrate T-Mobile as the Official Wireless Sponsor of Major League Baseball, we are offering FREE access to the official app of Major League Baseball, MLB.com At Bat 13 ($19.99 value). Beginning May 1 to June 30 T-Mobile customers can download the MLB.com At Bat 13 application from Google Play Store and the Apple App Store. This season-long access will provide customers with:

Free live MLB.TV streaming Game of the Day
Access to live home and away radio broadcasts from around the league
Highlights, scores, and more from the days games around the league

Offer Requirements

Offer only available May 1 June 30.
Offer is available to new and existing customers.
Must be on the T-Mobile network to initially download the app to meet validation requirements.
Offer is available for download from Apple App Store and Google Play Store.
Compatible devices include:
Android phones and tablets (OS 2.2 or later).
iPhones and iPads 3GS/4/4S/5, (iOS 5.0 or later).
MLB.com At Bat is released every year for the new baseball season. This offer provides full access to the 2013 MLB season only.

Restrictions

App is not available for Windows Phone devices; Offer is not available for Blackberry devices.
Offer not available to customers who previously purchased the MLB.com At Bat app prior to May 1.
Not available for download on Wi-Fi or while roaming.
After download and registration, you may access the app over Wi-Fi.
MLB.TV and/or additional in-app purchases are not included in this offer
T-Mobile Coupons

I've been offered a position at a competitor from the Company I work at, let's call them Company B. Company A (current employer) has a tendency to terminate employees immediately who put in their two weeks for security reasons and because they're worried that the employee will recruit others to Company B or anywhere else. I've have previous colleagues receive 2 weeks pay and some didn't receive 2 weeks pay after this termination. Since I have an abundant amount of sick and vacation time left, should I 1. Leave under "good terms" and put in my 2 weeks with a good chance of being fired and the chance that they won't pay for 2 weeks of work and/or vacation time.
2. Work my last day before I start at Company B and tell them I'm resigning.
3. Use all my sick and vacation time and send an email to my current employer (Company A) that I'm resigning and to pack my belongings in a box for me to pick up at the security guard desk. New position won't start in 3 weeks, so I can use sick time for a week and play golf then put in my 2 weeks notice. However if they terminate me, would I be able to claim any type of unemployment? Also how would I keep my health insurance until my new benefits kick in after 90 days?

NEVADA
MAY 01-31, 2013  BLOOD DONORS WILL RECEIVE
=========================
2 - Free admissions to Divas of Las Vegas at The Quad Resort & Casino**.** The 75 minute energetic show starring Las Vegas' longest running headliner Frank Marino as comic icon Joan Rivers features an all-star cast of superstar female impersonators who not only recreate but almost uncannily duplicate the likenesses of stars ranging from Britney Spears to Cher, Diana Rose to Beyonc, and even Dolly Parton and Madonna. Donors who receive free buffet or alternate donor gift at a community blood drive will not receive the Divas of Las Vegas Voucher. Free Admission value: $123.00 LOCATIONS
=========
United Blood Services
601 Whitney Ranch Dr. Bldg. D, Ste 20
Henderson, NV 89014
(702) 434-1838 United Blood Services
10170 S. Eastern Ave., Ste. 130
Henderson, NV 89052
(702) 896-5747 United Blood Services
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Las Vegas, NV 89117
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Las Vegas, NV 89130
(702) 645-3600 
MAKE AN APPOINTMENT
===================
UNITED BLOOD SERVICES
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Interet....http://www.bloodhero.com/index.cfm?group=registration

I'm curious what everyone's "locked/timed spending" to primary income ratio is. When I talk about "locked/timed spending", I'm referring to items like gift cards, rewards(Staples etc), vs your salary, or other primary income. Obviously, those who are heavy hitters and focus on this type of income generation will have much higher ratios, but I'm looking for a discussion/comparison of those who do it as a hobby, supplemental income as a side thing to a regular job, or just to get great deals, though any data point would be interesting.With a garage full of stuff I may or may never use or sell, I'm wondering if there is a more sensible and/or safe amount to adhere to, or if anyone has even thought this topic. At what point do you start saying no to "good deals"?If some one has a better word to describe what I am referring to, I'll change the title or point me to an ongoing thread.To start off, my ratio varies around 7-9% stuck in things where I am forced to spend it in a specific store and/or a specific time frame. I am not counting items like prepaid cards, as I consider those as cash. (or should I?)

Orville Redenbacher's Popcorn, Butter, 3.3 Ounce (Pack of 36) $6.18 w/S&S Almost 7 1/2 pounds total
Amazon Mom Prime member w/5 or more S&S in the same month - $5.21
Use Subscribe and Save for free shipping

Product Details
Shipping Weight: 9.1 pounds

Orville redenbacher's microwave popcorn (butter flavored popcorn) in family favorite popcorn bags, a perfect balance of butter flavor and salt
Made with zero grams of trans fat (no trans fat) per serving and 100% whole grain gourmet popping corn (popcorn) per serving
Orville redenbacher's microwave popcorn pops up in minutes to give you a delicious, light, and fluffy snack that is perfect anytime
Popcorn is a delicious and wholesome treat, is 100% whole grain, a good source of fiber, and free of trans fat per serving
Butter up the family with these delicious, whole-grain varieties everyone will love no other snack draws a crowd like a warm, delicious bowl of popcorn pop a bag and get ready for company

http://www.amazon.com/gp/product/B00BKUULEO/ref=rcxsubs_mys2_pro...
Amazon Coupons

40% off one item, plus free shipping on $50+.http://www.landsend.com/
Code: MOUNTAIN / PIN: 4290
Supima Embroidered Diamond 6-piece Towel Set Item # 428423-A65
$104.00
w/code $62.40Text
Color White/Desert Khaki In STOCK
Order Subtotal $104.00 Promotional Savings remove $41.60 Save 40% off your highest regular priced item plus Free Shipping if your merchandise totals $50 or more!DescriptionThe best towels Ive ever bought!
Rare Supima the top 3% of cotton grown in the U.S.
Combed for added softness
Detailed with Diamond embroidery
Bath Towel is 650 grams per square meter
Oeko-Tex certified, having been tested for over 100 harmful substances
Monogram It! View all monogram thread color options

The best towels Ive ever bought! is a description of our Supima Towels from a LandsEnd.com customer in Ontario. Expressing a common reaction, she goes on: I couldnt believe how soft and fluffy these towels were.... In the past, Ive bought much more expensive towels that were not as nice as these. Our Supima Towels are a revelation to customers whove relied on other sources even for Supima towels and thought they knew what a soft towel feels like.America-grown Supima cottons secret is the extra-long, fine fibers. We also comb them, removing the shortest ones, which lets us spin even smoother, silkier yarn. The result is thirsty terry toweling that impresses almost everyone who uses it. Bath Towel is generously sized 56″ long for wrap-around comfort, and bigger overall than standard sizes. 100% combed Supima cotton. Machine wash. Imported.2 Bath Towels: each 30″x56″
2 Hand Towels: each 19″x30″
2 Washcloths: each 13″x13″
Lands' End Coupons

TextPhilips HeartStart Home Defibrillator M5068Aprice: $1,199.00
save 40% ($796.00)in stock
drugstore.comOne of FORTUNE Magazine's 2004 Best Products of the Year: Home and Health.HeartStart provides clear voice instructions that guide you through every step of the defibrillation process. Safe and easy-to-use at home, where the majority of cardiac arrests occur. Learn more about this defibrillator

Please Note: There will be a $150 re-stocking fee on all returns of this item.Used to treat victims of sudden cardiac arrest (SCA), who are not responsive and not breathing normally. If in doubt apply the pads. Treats the most common cause of SCA by delivering a shock to the heart. Use HeartStart and CPR, as needed, until emergency professionals arrive.Easy To Use - Guides you with interactive voice prompts
Safe - Delivers a shock only if needed
Reliable - Runs daily self-tests for readiness
Important: With sudden cardiac arrest, every minute counts. Make sure your HeartStart Home Defibrillator is set up and ready for use in an emergency.Contents: "Philips HeartStart Home Defibrillator (an automated external defibrillator or AED)"
Red carry case with 911/EMS card
Adult SMART Pads cartridge (lasts 2 years)**
Battery (lasts 4 years)***
Training video
5-year warranty
Facts you need to know about adult SCA:For the best chance of survival, a defibrillator should be applied within 5 minutes.
Less than 5% of SCA victims survive. This is largely because defibrillators don't reach them in time.
Nearly 80% of all SCA's occur at homeHeartStart user considerations:You cannot use the HeartStart to treat yourself.
Users may need to perform CPR.
Responding to cardiac arrest may require you to kneel.
Voice instructions and enclosed materials are in English*.
HeartStart provides audible and visible indicators if the device requires maintenance.
If you have concerns about your health or an existing medical condition, talk to your doctor. A defibrillator is not a replacement for seeking medical advice.Who should own a HeartStart?
Anyone who wants to be prepared.Sudden cardiac arrest (SCA) is a leading cause of death in the U.S. The majority of victims have no previously recognized symptoms of heart disease - SCA typically strikes without warning. A defibrillator will not save every SCA victim, but more lives could be saved if victims were reached more quickly.
American Red Cross
The vision of the American Red Cross is that at least one person in every household be trained in life-saving first aid, CPR, and defibrillator use, and that every American be within 4 minutes of a defibrillator.*Contact Philips for information about other languages. 1-866-333-4246
**Infant/Child SMART Pads cartridge sold separately by prescription only. Talk to your doctor. 1-866-333-4246
*** Please note the date found on the battery is the "install by" date, once installed the battery has a four (4) year lifespan 
Warnings--------------------------------------------------------------------------------

It is important to understand how to use your HeartStart Defibrillator safely.
Please read these warnings and precautions carefully.
A warning describes something that could cause serious personal injury or death.
A precaution describes something that could cause minor personal injury, damage to the HeartStart, loss of data stored in the HeartStart, or less chance of successful defibrillation.

I own 50% of 2 family home with another family member. I need to sell my 50% to family member who then will own 100% of the property (price etc. is agreed up). The home has HELOC with very little balance, with both our name on HELOC. Wanted to know what is the most cost effective, legal way of doing this ... without too much pain/paperwork.Option 1 is to draw on the heloc to take the sell amount for myself. And then do a transfer (at that point no money exchange involved, as i already took the money from heloc)- he'll refinance and take a new mortgage to payoff heloc which has both of our name. Other option is he takes a new mortgage and pay off helocs plus me and does the title transfer.Can someone comment, which option is better .. or whether bothoption is legal or not. I spoke with my laywer and mortgage guy (as i'm purchasing new home) .. and they gave me bit conflicting answer. Lawyer thinks either option is fine. Obviously you always would think lawyer knows more. Mortgage guy says you must withdraw money form heloc first and then to the transfer - he is saying I cannot "sell" and take money to another person who is already in the deed. SO take money out form Heloc first.So, looking for any opinion or any prior experience form any forum member? My objective is to minimize hassel, but also do everytihing by the book, so no issue with IRS etc.

I recently won a bid on the HUD home and then found out that the PCR (property condition report) was incorrect and that the HVAC AND dish washer were shot. I was quoted $2,300 to get the HVAC running just to the point that we could complete an inspection. It would have been about $7k to replace the HVAC. Instead of paying for that out of pocket I cancelled the contract. The contact fell to backup bidders. They found the same thing. Now the home has been re-listed AT THE SAME PRICE, with the same PCR, which is clearly incorrect.Is this normal? Is it possible the asset manager is ignoring the inspection to keep the price articificially inflated? The HUD resource center hasn't responded to my questions. What should I do?I really like this house, but I don't want to lose this round of bidding to someone who doesn't know about the problems. I feel bad for the next person who will have to pay another $500-600 to find out the same thing.

Office Depot FAR software for the week of 05/05/2013
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
Free After $10 Instant & $90 Mfr. Mail-In SavingsQuickBooks Enhanced Payroll 2013 [825-946] $279.99
Free After $50 Instant & $280 Mfr. Mail-In SavingsMcAfee Total Protection 2013 [830-743] $51.99
$4.99 After $8 Instant & $47 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsNorton Antivirus Backup 2013 [873-394] $49.99
$14.99 After $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned. LINK
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons

Please see this archived thread for background: http://www.fullofdeals.com/forums/finance/1139182/The overwhelming consensus was that these "colleges" are scams and that she would be better off not going there. At the time, I agreed.Now, 1.5 years later, she has finished the medical assistant program and has been working for the past 3 months making more than double what she was when she was in school. She took a federal student loan for $10k to get the degree, so she technically doesn't even have to make payments under IBR.Obviously this isn't a "rags to riches" story, but for a girl that failed out of high school and college, who reads at a 5th grade level, this for-profit program seems to be paying off.

NFA Gun Trust from 199trust.com (50% Off) $99http://www.gearhog.com/Deal Overview
199Trust.com is a document creation service that creates NFA / Gun Trust documents at the specific direction of our customers.199trust has become a leader in helping people create these documents, and is the leader in affordability, historically these types of documents cost gun owners $500 or more to create. However please know 199trust.com 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 trust documents.Here are some of the popular reasons that make our customers want to setup a gun trust for themselves: 1. They want the ability to have multiple people (Co-Trustees) to be allowed to use the items that are in the trust. 2. They do not want to have to do fingerprint cards3. They do not want to hassle with getting their chief law enforcement officer's signature 4. They want to have a clear written plan (similar to a will) of who will be beneficiaries of the trust. Please visit 199trust.com or call us at 888-442-4307 for more information about our service.

INFORMATION PROVIDED BY:
WALT - POINTBUZZ.COM 
McDonald's restaurants of Ohio and Coca-Cola announced the launch of Discover Ohio To Go, a first-of-its-kind promotion designed to provide travelers with exclusive discounts at some of Ohio's most popular tourism attractions. Customers who purchase a large soft drink or iced tea beverage at participating Ohio McDonald's locations between April 29 and June 9, 2013 can redeem the cup at participating tourism attractions for discounts on admission, lodging and more. The discounts are available for redemption at more than a dozen tourism attractions throughout the spring and summer.
Travelers can visit www.DiscoverOhioToGo.com to find a full list of discounts and deals, as well as a list of nearly 400 participating McDonald's locations. To receive the discount, travelers should follow directions on the website for each offer and present the clean, empty cup upon arrival at participating attractions, including:Cedar Point
Cedar Point Resorts
Cincinnati Museum Center
Columbus Museum of Art
Great Wolf Lodge (Mason and Sandusky locations)
Greater Cleveland Aquarium
Hocking Hills Canopy Tours
Kalahari Resorts and Conventions
Kings Island
National Underground Railroad Freedom Center
Ohio State Parks
Wild Zipline Safari
Wildwater KingdomSpecially marked "Discover Ohio To Go" cups are available at participating McDonald's locations while supplies last in Greater Cincinnati, Central Ohio, Dayton/Miami Valley, Lima and Toledo/Northwest Ohio.

Just in time for Mother's Day!
Code MDAYSHIP. Expires end of day on May 3 CST. Vosges ChocolateUse offer code MDAYSHIP at checkout to receive Free Standard Shipping or a $9.95 credit toward expedited shipping (Urgent or Express) on any online order. Offer applicable to orders with minimum order amount of $75.00. The $9.95 credit (equivalent to cost of Standard Shipping) per order will be applied to your order ONCE regardless of the number of recipients. Offer valid 5/2/13 to 5/3/13, expires Friday, May 3 at 11:59 pm CST. Offer is applicable to pre-order products and orders placed for future ship dates. Offer is based on merchandise total and does not include taxes, shipping or any additional charges. Offer applicable to online and phone orders only. Not valid on previous orders, wholesale orders or same day Local Delivery. Cannot be redeemed for cash. Offer cannot be combined with any other offers or specials. Only one Promotion Code may be used per order. For Corporate orders, offer can be applied to qualifying shipments no more than 5 recipients per order. Vosges Haut-Chocolat has the right to withdraw the offer or amend the terms and conditions related to the offer at any time. Exclusions may apply. Free Standard Shipping to Multiple Addresses: If you are shipping to two or more different addresses, $9.95 credit will be applied only once per qualifying order. How to Enter Promo Code Online
In your shopping bag, enter MDAYSHIP in the Promo Code box and click 'enter code'. Your code will be applied to your order, and the $9.95 credit will be visible during checkout on the 'Review & Place Order' page. Shop Mother's Day Gifts or return to the Homepage Guaranteed Mother's Day Delivery Timelines
Tuesday, May 7th by 2 pm CST - Last day for Standard Shipping for delivery by Mothers Day.
Wednesday, May 8th by 2 pm CST - Last day for Express (2 Day) Shipping for delivery by or before Mother's Day.
Thursday, May 9th by 2 pm CST - Last day for Urgent (Next Day) Shipping for delivery by or before Mother's Day.
Friday, May 10th th by 2 pm CST - Last day for Saturday Delivery for delivery by or before Mother's Day.
Sunday, May 12th by 11 am CST - Last day for same day Local Delivery*
by Mother's Day. Available in select cities only. Contact your local boutique for details. Delivery timelines do not take unexpected weather delays into consideration, which may affect delivery timelines, ship dates and arrival dates.

http://www.staples.com/Toshiba-L875D-S7332-173-Laptop/product_98...LIVE SUNDAY 5/5 not prior$399.99
$549.99 - $100 instant savings - $50 easy rebate = $399.99 after easy rebate
Save $150
Valid May 5 - May 11
Add to In-Store List
Check In-Store Availability


Item: 984633
Model: L875D-S7332Ideal for students, light gamers, and families that want an affordable big-screen desktop replacement PC, the Satellite L875 laptop is a great choice, offering the right mix of style and performance
Whether you want to work, create or play, this Satellite L875D laptop is big on features to help you do it. Topping the bill is a huge 17.3" diagonal, widescreen, TruBrite HD+ display with LED backlighting great for watching movies, playing games or toggling through open windows. Students and families can also tap into lots of memory plus powerful AMD processor to multitask and make short work of todays popular apps
AMD A6-4400M Accelerated 2.7GHz up to 3.2GHz with AMD Turbo Core Technology 3.0 1MB L2 Cache Processor
6GB DDR3 1600MHz Memory, Expandable to 16GB
640GB 5400RPM Serial ATA Hard Disk
17.3 diagonal HD+ widescreen TruBrite TFT LED-backlit display (1600 x 900)
Windows 8Open up the Toshiba L875D-S7332 17.3" Satellite and immerse yourself in stunning visuals that enhance every computer-based activity you can think of, including gaming, Web surfing, editing photos and videos and working. The built-in webcam lets you stay connected with those who matter most to you, and the rechargeable six-cell battery ensures hours of use before you need to plug in your computer. A fast AMD processor and 6 GB memory keep things running quickly and smoothly.Incredible VisualsThis Toshiba Satellite features a display resolution with a 16:9 aspect ratio and converts your standard DVDs to look more like high-definition movies. An LED backlit display not only gives you a bright, even picture, but it also uses less power and warms up more quickly than a standard display.Intuitive OperationThe multi-touch touchpad lets you use gestures, including pinching, swiping and scrolling, to exert control over your onscreen experience. The full-size keyboard and numeric keypad let you type faster and enter gaming commands quickly. Impressive ConnectivityAn HDMI port, an Ethernet port, a USB 2.0 port and two USB 3.0 ports let you hook up external devices to your laptop so you can watch movies, explore the Internet and game in style. The USB port continues to charge any connected devices even when your computer is turned off. A memory card reader makes it easy to transfer digital files directly from your camera, smartphone or any other device that uses an SD card or memory stick. Eco-friendly FeaturesThe dual-core processors control battery use to make the most of your available power. You can monitor and adjust your power usage and settings with just a click using the included eco utility.View Full Details

My Dad served in the military and is eligible for USAA but he was never a customer. If I read their site correctly, if my Dad gets homeowner's or auto insurance it means that I can become a USAA member. However, he likes his current homeowner's and auto insurance and does not want to change as they are no longer writing new policies in his area. I'm trying to figure out the best way to get him as a USAA member so I can get membership.Here are the two ideas I came up with:
Have him get a 2nd auto policy with USAA (keep his current policy) and after a month cancel it. Issue here is cost and headache with DMV since they will report that insurance lapsed.
See if they offer insurance for his golf cart. They live in a retirement community and are allowed to drive a golf cart around. They don't use it much and plan on selling it soon anyway. Not sure if USAA offers insurance on that and not sure it counts as auto which would let me get a policy.
Is USAA even worth all the hassle? Does anyone have any better ideas? My Amica HO went up 12% and got notice that they asked state of NJ to increase umbrella by 40% this year so want to shop around for new insurance.

Take your movie-viewing and gaming experience to a whole new level with vivid and life-like visuals in spectacular 3D.

https://www.preppersmagazine.com/Subscribe.phpPreppers Magazine is a full-color print publication featuring products, services and ideas on how to be prepared in today's uncertain times. The premier issue will be released this summer and is available by subscription.What's a prepper? It's anyone who prepares for the unknown. Whether it's for a world-wide catastrophic event or a local power outage, preppers have one main goal: to survive. Long term food and water storage, self-defense, small scale farming and full underground shelters are just a few topics covered in the magazine. If you're new to the prepping community or have been practicing for years, there is always more to learn.

I am a former student of CAL who was placed on academic probation and dismissed several years ago. In a nutshell, I pursued poker/gambling/interning heavily to the detriment of my GPA and education. It never panned out and now I am currently a corporation player for table games. 36k/year not too much more room for growth. Probably 50-60k most in a few years. Winning prop poker players make more. After much time off, I fulfilled all the requirements to return to CAL this Fall and want some guidance as to how to proceed thinking about my career.I was an intended political science major. Finished all major requirements short two courses. I have a foreign language requirement remaining - plan to take Chinese. I just need to take two full semesters worth of coursework to fulfill my unit requirement and graduateWhat are my best options right now?1. Go heavy on extra political science courses?
2. Pursue a minor in philosophy which I have some credit for already?
3. Start all over and complete a computer science degree if the college lets me?
4. Retake courses to up my GPA so I can pursue graduate school?
5. Something else? More useful courses for a career?I have a 4.0 GPA this year at a community college - yes it doesn't mean too much given the lower workload and standards. I'll do my best to do the same at CAL - hopefully that will look good for a prospective employer. But how do I explain away my past? The fact that I rebounded and returned is a personal accomplishment for me, and may be admirable to an employer but isn't exactly squeaky clean.

Hello everyone,Imagine that you win a little under 10,000,000 on the lottery. That's after taxes. What would you do?A stupid question, i know. But what would you advise someone, who has no experience with this kind of amounts at all? We are talking about a serious plan, not all the lottery winners would order a new Lamborghini and ten houses there and then. There are financial planners out there, but is it really to trust someone just like that, especially when he knows that you have a lot of money, but not a lot of knowledge - even though he is independent and is being paid by fee's only?How does it sound, to put everything on a bank for two or three years, so you can get a little knowledge and clear your head in the meantime? I assume that a good financial plan for the future could be put together in that time, with the help of a financial planner? Bank interest must be quite high for that kind of amounts too, so i don't think that there is any need for taking anything away from the original amount. But what bank to put it in? I keep reading about financial crisis, about banks going in bankruptcy or for example recent events in Cyprus, where a bank was apparently taking huge amounts of money away, from the deposits. Which are better to trust, private or state banks? How - if at all - can you secure your money? In my country amounts up to 100,000 are secured, but if nearly ten millions goes down the drain, that is nothing.Let's say that works. What comes after, where would you place the money? I realize that ten millions from the lottery is nowhere near enough to live a life of the millionare, at least not until a person can make that money himself. I know that "winning the lottery" is not something to be known for, i'd much rather be known for running a successful bussines myself, so opening a company and starting out slow and smart is probably the best idea? Especially since your main focus would not be the money, at least not until you became successful, so you could really focus on working good and gaining good reputation - of course that does not mean throwing all the money just in there, more like giving everything that comes from the company back into it and keeping your personal money for yourself.Most of people will probably say "i'd spread it around", but that sounds terrifying. At least for the first year or two, when it's probably the best to just clear your head and let it sink in, before you make any major decisions.Just so there won't be any misunderstanding, i haven't won the lottery myself. I'm just wondering and would appreciate good answers.I will appreciate your help very much.Thank you!

Beginning May 1-14, O'Reilly Auto Parts has Chevron Techron Concentrate Plus fuel system cleaner, both 12 oz ($7.99) and 20 oz ($12.49), for Buy 1, Get 1 Free instantly; no MIR involved. Limit 6 free units. Ad flyer is for SoCal; not sure if regional or nationwide. I am not endorsing this product's efficacy; there have been previous discussions on whether or not this product works. For those who use it, this is a great price and a chance to stock up.

https://www.facebook.com/PhysiciansFormula/app_201363876548810The first 1,000 people who enter the secret word announced at 5 PM EST

Got the coupon from them today and it is also on their FB page link. For Mountain View, CA only. I know there's a bunch of techies that work around the area and we all want deals.. Starting at $5 for a combo... Coupon good from 10-noon and 3-8 M-F, and all day Sat.https://www.facebook.com/photo.php?fbid=155953701241364&set=a.15...Pretty funny legal stuff too from their coupon.Legal mumbo jumbo: Offer valid only at store and time listed, you can try other store but were pretty sure they will give you a funny look and say no. Taxes excluded. No cash value. Youre welcome to print/copy/cut/paste/email to whomever. Just dont eat or lick the picture, it might give you paper cut and prevent you from enjoying our great tasting sandwiches. We are a GREEN store, so you can re-use the coupon as many times as you like. Finally, this coupon is only valid in-store.

Many Americans who heard this sumptuous neo-soul classic may not have understood its lyrics, which celebrated the ancient sub-Saharan monarch Makeda, or the Queen of Sheba. Yet its message of black pride rang clear through the Faussart sisters' voices. Nominated for a Grammy Award, this is one of the most successful foreign language songs in recent U.S. history; its reflection of a cosmopolitan country far removed from our clichs about France makes it more remarkable. Mosi Reeves, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=B3bvrvkshvr6wih3pw6...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Jazz songwriter Bobby Troup wrote "Route 66" while taking the fabled highway to L.A. in search of fame and fortune when he came back from World War II. Nat King Cole, whose zen-like cool remains unparalleled, made the tune even hipper, turning it into the rare number that united zoot suiters, urban beatniks and long-haul truckers. You want to teach someone about America, play them this song. Nick Dedina, Google Play
Link to the album belowhttps://play.google.com/store/music/album?id=Bhskl4zjndlp6fr3kqx...
ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Josh Ritters album The Beast In Its Tracks is largely inspired by his divorce, but its only a breakup record in part. Since then, Ritter found a new love and "Joy To You Baby" has him in a transcendent mood at the end of that emotional cycle, wishing happiness to the world as a whole and his old love in particular, but noting bittersweetly, If Id never have met you, you couldnt have gone. Jim Allen, Google Play
Link to the album belowhttps://play.google.com/store/music/album?id=B2grgt5lw4pcqgvsxyq...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Hi Everyone,Since I was to buy Samsung Galaxy S4, I was following the prices very closely and finally today I ordered one!
The device is sold by Amazon @ 168 and it worked out better for me because I saved on taxes (so it made it better then the walmart deal)Amazon is selling both white and black versions @ 168, here are both links
White Frost - http://www.amazon.com/gp/product/B00CDZU40Q
Black Mist - http://www.amazon.com/gp/product/B00CDZTRFEFor some it may not matter but for those Amazon does not charge taxes it is the best deal.The Frys deal I posted few days ago is only in stores @ 149.99 + tax so that deal is only good for people who has FRYS in their area!
Amazon Coupons

I would like community opinion re my concerns.
Situation: daughters moving out of college campus housing for next year.
A place they toured and picked as No. 1 has to me a strange requirement.
I presume that due to the fact that despite they are adults (20, 21) but have no income, parents are asked to be guarantors on the lease.
That is fine with me in principle but the text of the "agreement" obviously prepared by their lawyers basically abdicates responsibility for everything (still somehow acceptable) but their require SSN, copy of driving license and income plus my permission for what I understand would be a hard pull
on my credit.
With the staff in the office being maybe students or whoever, I feel very uncomfortable releasing this info. Of course, they can just deny the rental I suppose.
Am I paranoid?

Hello,I have elderly parents who would like to visit/travel West Coast (California, Las Vegas, San Fran. etc..). Could anyone recommend a tour which can take care of everything including airfare?Thanks for your help/suggestions.D$L

Found this $70 (more than 50% off) 3DS from a Reddit user in Ohio at BJs: Reddit post. Sorry for the brief post. I only have a spare minute to post from my phone.

linkStay-at-home spouses will have an easier time obtaining their own credit cards following updated rules issued by the Consumer Financial Protection Bureau (CFPB).On Monday, the CFPB announced that it had updated existing regulations to ensure that spouses or partners that do not work outside the home would still be able to qualify for credit cards. The change came after new credit card regulations made it much more difficult for those people, lacking an income of their own, to obtain approval for credit cards. The change comes after a public outcry from those individuals and members of Congress.Stay-at-home spouses or partners who have access to resources that allow them to make payments on a credit card can now get their own cards, said CFPB Director Richard Cordray. Todays final rule is an example of the Bureaus commitment to working with consumers and financial institutions in order to ensure responsible access to credit for American families.Under the updated rules, credit card applicants who are at least 21 years old will be able to rely on income from another source when applying for a credit card, so long as there is a "reasonable expectation" they can access it. A provision of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act, enacted in 2009, required regulators to ensure that people being approved for credit cards or increasing their borrowing limit actually had the means to make the payments. The Federal Reserve finalized rules implementing that provision in March 2011.But after the rules were finalized, regulators faced push-back from stay-at-home spouses. The rules required that credit card issuers look at an individual's income to determine whether to approve the card that meant that spouses who rely on their partner's income would have no way of obtaining a card on their own.At the end of 2011, a bipartisan group of House lawmakers urged the CFPB to take a closer look at the regulations, and how they might be affecting stay-at-home spouses. For example, they said industry information indicated that women were experiencing a greater decline in their average line of credit than men. In particular, older women who are more likely to rely on income from other family members saw their credit approval rates "decline significantly."Tens of thousands of stay-at-home mothers also mobilized against the rule, calling it a "Mad Men" era requirement that forced women to be reliant upon their husbands for any credit card use.The CFPB first proposed changes to the rule in October 2012. The changes will be finalized once they are published in the Federal Register, likely to come sometime this week.

Bob Barker's DJ&T Foundation
The DJ&T FOUNDATION Online Center
A Non-Profit Foundation Devoted to
The Support of Low Cost Spay/Neuter Clinics and Voucher Programs
Throughout the 50 United States and the District of Columbia
Through our SNAP reimbursement program, we underwrite low-cost and free spay/neuter surgeries for people who cannot afford to have their dogs spayed or neutered. This program is for "owned" dogs only, i.e.: people's pets. It may NOT be used for dogs in adoption, foster, rescue or sanctuary programs. The program is to be used in the community, with emphasis on medium and large dogs in high problem, "target" areas. Prevention at the source is the key to success. http://www.djtfoundation.org/2.htm

One of my clients booked and cancelled a room in FountainBleau - Miami Beach. Available from now until 5/7. $210 for 8 nights. Selling at my cost, rooms normally go here from $450-$500 for those who know the area. This is a mini suite, small kitchen, balcony, 1 king bed, 1 pull out bed. Contact me 561-972-1000. This is a good and very inexpensive getaway for prime location.

Didn't see anybody else posting this, so here it is:http://www.washingtonpost.com/business/meet-mr-money-mustache-th...

Caffe Appassionato Organic Shade Grown Espresso Roast Whole Bean Coffee, 5-Pound Bags @ Amazon Text $31.62.My order " Shipped/Billed On:04/28/2013 TypeackageWeight:5.60 lbs ". Looks like this is a 5 lb bag
Amazon Coupons

Power Verbs for Job Seekers: Hundreds of Verbs and Phrases to Bring Your Resumes, Cover Letters, and Job Interviews to Life [Kindle Edition] - was $22.99Michael Lawrence Faulkner (Author), Michelle Faulkner-Lunsford (Author) http://www.amazon.com/dp/B00BHEY5E0Publication Date: February 19, 20134 Reviews ★★★★
Electrify all your job search communications and build the great career you want!  The right verbs make you unforgettable powerfully demonstrate your value attract employers like moths to flame  Grab the right verb and use it the right way to:Craft outstanding rsums, cover letters, and thank-you notesDraw attention to your best achievements and accomplishmentsGet your face-to-face interviewand ace itPitch yourself brilliantly, even if you only have a minuteWeave Crucial soft skills expertise into your career communicationsProve youre the person theyre looking for  Jam-packed with examples drawing on thousands of years of storytelling, literature, and experienceIndispensable for everyone who wants a rewarding, successful, well-paid career!About the AuthorDr. Michael Lawrence Faulkner is Professor at the Keller Graduate School of Management, DeVry University. He first learned leadership, management, and communication as a U.S. Marine Corps combat NCO, drill instructor, and classroom instructor. He then spent 30 years leading and coaching at Dun & Bradstreet, the Direct Marketing Association (DMA), entrepreneur startups, and his own family business. Michelle Faulkner-Lunsford, an experienced marketing manager, is a graduate of Middle Tennessee State University.
Amazon Coupons

Newegg has TRENDnet TEG-S24DG Unmanaged 10/100/1000Mbps Gigabit GREENnet Switch for $89.99 after $10 MIR. I have been using this same switch supporting WMC 7 based "Whole house DVR" with 8 tuners (4x network attached tuners, and 5 network attached TV's) without a hick up. It supports jumbo frames and has 16K MAC address table. When I run a network speed test (SSD to SSD) I get about 950 - 980 Mbps, which is pretty efficient and fast for residential equipment. To get true gigabit without losses you would have to spend 3 to 5 times more. Newegg said: 24 x 10/100/1000Mbps Auto-MDIX Gigabit Ethernet ports
On / off power switch
Features a 48Gbps forwarding capacity
Internal power supply reduces clutter
GREENnet technology reduces electrical power consumption when:
Ethernet port is not in use
Connected device is turned off
Connected device is in power-saving mode
Based on Ethernet cable length
IEEE 802.3x Flow Control for full-duplex mode
Back pressure Flow Control for half-duplex mode
Store-and-Forward switching architecture with non-blocking wire-speed performance
Integrated address look-up engine with a 8 K MAC address table, and 3.5 MBits RAM data buffer
Operates and maximizes packet filtering and forwarding rate
Jumbo Frame support up to 9216 Bytes
Sturdy metal housing
Diagnostic LEDs and Plug & Play support
3-year limited warranty
Newegg Coupons

Opened a Serve card account a while back that came with the $10 bonus and put it away. I was planning to use it for my kids when they went to the movies with friends, etc. but just havent...I received a blue colored serve card in the mail this week with the same number as the old one-- the prior card was white. I don't really follow the Serve threads very much, but I know other's got the blue cards a while back.There were two inserts with the new card: one touting the new Membership Benefits program, and the other said "We miss you. Get $25 Back When You Add $25 by May 31, 2013". This is definitely targeted, as it says it's only valid for solicited Serve customers. If you receive a new Serve card in the mail, look for the second insert. My $25 bonus posted immediately upon funding $25 this morning. I usually just toss all of the inserts the come with cards/bills into the recycling bin, but I am glad that this one caught my eye.Again, highly targeted so please don't RED me if you didn't get this. But I figure there are many of us who got the initial Serve bonus and may not be using the card, especially since it's no longer a good way to consolidate rebate debit cards any more.

Family members who travel to US for a few months stay need an insurance to protect against medical costs for hospital stays. There is no shortage of places one can buy insurance from, but the big question is, who pays at the time of need, or who doesn't?Please pitch in your experience with travel insurance companies and how easy it was to get them to cover charges. I am sure forum members will appreciate specific stories you may have to share.I have seen sites as i m m i h e l_p dot com and their forums, but it appears to be a forum where content may be controlled by an insurance broker i n s u_buy. Please help us all - web search reveals nothing of value. It is as if the complaints have been buried in search engines by reputation companies.

OHIO STATE DAY - MAY 10, 2013 - PRIVATE EVENT TICKETS - C.P. NOT OPEN TO THE PUBLIC THAT DAY
Complete Details click here * $35.00 Regular admission tickets - Save $19.00
* $25.00 Junior/Senior admission tickets
* $25.00 Ohio State University Student tickets* Ohio State Day guests who stay at a Cedar Point Resort Friday night, May 10, with rates starting at $90, will get a FREE ticket for Opening Day, Saturday, May 11* Event open to ALL OSU alumni, students & fans!, $5.99 Online Service Fee Applies to per ticket orders, Ticket(s) are NOT valid any other operating day, Fast Lane Tickets will not be needed that day, Limit 10 Tickets per order. CEDAR POINT AMUSEMENT PARK - 2013 Season - Free & Discount Tickets, Jobs Thread - Sandusky, Ohio - General Public

OHIO STATE DAY - MAY 10, 2013 - PRIVATE EVENT TICKETS - C.P. NOT OPEN TO THE PUBLIC THAT DAY
Complete Details click here
* $35.00 Regular admission tickets
* $25.00 Junior/Senior admission tickets
* $25.00 Ohio State University Student tickets
* Ohio State Day guests who stay at a Cedar Point Resort Friday night, May 10, with rates starting at $90, will get a FREE ticket for Opening Day, Saturday, May 11* $5.99 Online Service Fee Applies to per ticket orders, Limit 10 Tickets per order.

Some back story:
I opened a new Fidelity account recently and begin funding via EFT. Since they limit EFTs to 25k per day, I had to make multiple transfer from an American Express savings account and ended up hitting the six transaction limit per statement period on savings account. I called up Fidelity who said that American Express blocked the transfer and gave me no further instruction. Shortly after I called American Express who informed me I had hit the six transaction limit and to try again on 4/24.Not a big deal, I just planned to wait until 4/24 before initiating another transfer via Fidelity. But when I attempted the transfer, I discovered it was blocked and called Fidelity. They informed me that I would need to bring a bank statement, driver's license, social security card and something to prove my address into a retail Fidelity store. Kind of a hassle, but luckily there is one ten minutes away.I show up with my documents, but they wouldn't accept the same bank statement as a proof of address too. I don't have a good way to proof my address since I pay no utilities nor have a formal lease agreement. Eventually they were willing to accept a bank statement from another bank, which I have to bring back next week. Don't ask me why a driver's license isn't good enough to proof my address.After the proof of address issue, they then said I needed a letter from American Express stating the money I transferred actually belonged to myself. I explained the whole six transaction limit and why American Express blocked the last transfer, but Fidelity didn't care. Fidelity wouldn't allow me to transfer the money in until receiving the documentation from American Express. Not wanting to deal with that hassle, I asked them to close my account, but they refused stating the funds are frozen until we get a letter from American Express.Questions: Is Fidelity legally allowed to hold onto my funds indefinitely? Is freezing an account like this a common occurrence? Shouldn't Fidelity just ask American Express directly if this money belongs to me? If the money didn't belong to me, wouldn't American Express be asking for its return?

http://www.kohls.com/product/prd-61355/i-spy-bingo-mini-tin.jsp?...codes are FLOWERS30 and Free shipping code KC2UFREE See a classic game in a new light with this I Spy mini tin. The whole family will enjoy playing bingo the I Spy way. Shop our full line of toys and games at Kohl's.
Three levels of play provide challenging fun.
Each player draws a card and calls out the matches they have.
First player to spy four matches in a row shouts "bingo!" to win.
Handy tin offers easy storage.
Details: Includes: 6 double-sided bingo boards, collectible tin, 26 cards and game pieces
Ages 4 years & up
For 2 or more players
By Briarpatch
Model no. BPT6112
Kohl's Coupons

Hello, I saw many smart advises on this forum and I hope to get one too. My problem is I had a leak in my house in the water supply line to my water heater. I brought a plumber and fixed a leak, but the next morning the owner of the unit underneath called me and said his house is completely destroyed and it caused by the leak from my unit. I came to his unit next day morning (i.e. 36h after the leak was fixed) and surprisely discovered that all his laminate floor is removed and hauled away and whole unit looks like there was a big team of construction workers worked there. My concern is the guy is trying to fool me - he says he called his insurance and submitted the claim, but I don't believe within 1 day he got an appraiser/adjusted coming, the adjusted made report and sent it to insurance company, the insurance accepted the claim, the owner brought a contractor and contractor removed and hauled everything away - and all this within one day only ? I had a deal with insurance companies and know the process may take a while My big concern he started the repairs long time ago and when I got a leak he decided just to use an opportunity and make me or my insurance company to pay for the repair. The damage to my unit is not so big and it's much cheaper for me just do it by myself and do not involve insurance, but my neighbour claims his damage is over $20K and tries to hold me responsible.Have anybody had similar situation or can give some advice ? Thanks in advance

I received a letter from a company (Macy's those bas-tards) who gave me a 30 day late stating it has been removed from all 3 CB's. My question is (can't get a free CR just yet to check) when they remove a negative report does it simply disappear from the CR or is it left there with some sort of note saying "removed?"

Hello, I registered an LLC last February and I am the only person who work for it ( part time) and i filed the schedule C with my tax returns this year for the income i received. I heard that we should also file tax to PA state every quarter at https://www.paucemployers.state.pa.us for any employees who work for me. If i dont have any one working for me, should I still file this tax return or is it just for companies that have a payroll ? Thanks

For those who are still interested.....looks good for upgrade as well as add a line.Verizon GS3

Gaggia Classic Brushed Stainless Steel Semi-Automatic Espresso Machine
On Sale! $349.00 You don't pay tax in most cases.
This espresso machine is considered by espresso aficionados the best value for anyone serious about espresso coffee.
http://www.wholelattelove.com/Gaggia/classic.cfm

MLG Phantom Snow/Onyx FrameGunnar glasses are meant for someone who spends a lot of time staring at a computer screen. It helps reduce eye strain from glare, though it does take a day or two until you get used to looking at a screen through these glasses. Beware, they are not sunglasses and should not be worn outside or it could cause damage to your eyes.1.5% FWCBhttp://www.bestbuy.com/site/Gunnar-Eyewear---Gunnar-Gaming-Eyewe...
Best Buy Coupons

http://www.amazon.com/Get-Rich-Lucky-Bitch-ebook/dp/B00BSG124I/r...Are you ready to break through your money blocks and finally make the money you deserve? In Get Rich, Lucky Bitch, you'll unlock your hidden potential for abundance and upgrade your life forever. Why do most women settle for pennies instead of embracing true wealth? It's not because you're not smart or ambitious enough. You've just been programmed to block your Universal right to wealth with guilt, shame, or embarrassment. Even if you're unaware of these blocks and fears, you're probably not earning what you're really worth. Join Lucky Bitch author Denise Duffield-Thomas on a journey of self-discovery so you can smash through your abundance blocks and join a posse of women all around the world who are learning to live large and become truly lucky bitches. Are you ready to get rich, you lucky bitch?

TextThrough pure determination, fortitude and attitude, Daniel pulled out of impossibly difficult situations. His story is true, his story is a personal inspiration to me and I hope it will inspire you too to maximize your potential and go for the greatest of dreams. - Mark Victor Hansen, Bestselling Author, Chicken Soup for the Soul.Powerful and inspiring, Daniel Milsteins story is a testament to following your dreams and never taking no for an answer. - Seth Green Actor, Writer/DirectorOn a cold December night in 1991, a young boy with seventeen cents in his pocket first set foot in the United States. Twenty years later that young man found himself the founder and CEO of a Multi-Million dollar corporation. Daniel Milsteins harrowing story about how his mother, father and brother escaped the oppressive government of the U.S.S.R and immigrated to the United States and carved out a life for themselves has been described as the quintessential immigrant story of the era. 17 Cents and a Dream begins with a candid, gripping account of the Milstein familys tough life in Kiev, Ukraine under the oppressive government of the former Soviet Union. He recalls how he and his family were affected by the 1986 explosion of the Chernobyl nuclear power plant: Daniel was ten years old, and the disaster took place only 78 miles from their home, killing 100,000 people and spreading poisonous radiation throughout the environment. A few years later the family, struggling against poverty, government oppression, and anti-Semitism, made a secret plan to flee to America. After a narrow escape, the family arrived in Ann Arbor, Michigan with no understanding of English and few belongings. Young Daniel had only seventeen cents in his pocket, given to him by a friend to cover the cost of a postage stamp so Daniel could send him a letter. In the ensuing years, Daniel endured extreme poverty, endless hunger, relentless bullying from his new classmates, and cruel mistreatment while working long hours mopping floors and cleaning toilets. The never-ending sense of hunger in the pit of my stomach, he writes, became a part of me and manifested into the drive to do more, to be more, so my family could eat without worry.That hunger, plus the work ethic instilled in him by his grandfather, fueled Milsteins determination; after graduating from college, he worked for various financial institutions and was consistently promoted because of his strong work ethic.But perhaps most inspiring is Milsteins courage and sheer willpower as he began to build upon his success in the world of finance, working harder and longer than anyone else until eventually opening and growing his own multimillion-dollar company, Gold Star Mortgage Financial Group."17 Cents and a Dream: My Incredible Journey from the USSR to Living the American Dream" is both a true American success story and a manual for anyone who dreams of becoming successful in todays competitive world of finance and sales.DANIEL MILSTEIN is founder, president and CEO of Gold Star Mortgage Financial Group. He has been recognized as the #1 loan officer in the United States; has achieved more than $3 billion in personal mortgage originations; and is one of the top 40 finance professionals in the nation, ranked by National Mortgage Professional Magazine. Milstein led the company to the Inc 500 list and one of the fastest growing companies in the United States. Gold Star has over 500 employees in 43 offices across the U.S. and has been named a Top Workplace in Michigan for three years by the Detroit Free Press. Milstein holds an honorary doctorate and BBA in business management from Cleary University, Ann Arbor, from which he graduated with honors. He is the author of The ABC of Sales: Lessons from a Superstar, which in March 2012 sold 10,000 copies and became the #1 sales book on Amazon.com and the thirty-first top seller of all ebook sales.*Foreword by Mark Victor Hansen

http://www.teenfreeway.com/nailit_sweeps/index.htmEVERYONE WHO ENTERS WINS - remember to uncheck the box at the bottom to prevent spam
YOUR INSTANT-WIN PRIZE: A One-Year Subscription To Glamour and Martha Stewart Living!*
* If you are already receiving a one year subscription to Martha Stewart Living or Glamour, you will be sent an alternate gift of equal or greater value.

I recently started an online venture (outside of my "day job"), and it has taken off in the last couple months. I was hoping it would make a few hundred dollars here or there, but all of a sudden it's pulling in ~$20k/month. It's currently set up as a simple sole proprietorship, but I'm wondering if I should form an S-Corp or LLC to minimize the self-employment tax. I have zero experience with this sort of thing, and I don't really know anyone who's business savvy, so I thought I'd ask here for advice on where to start. I've read some of the past threads about S-Corps, but I'm still not sure where to start. (I was thinking about checking out a NOLO book on incorporation, and possibly consulting a professional accountant.)I'd also like advice on how to go about finding/choosing an accountant. To date, my income has been on the low side (~$30k/year), so I've always taken a thrifty/do-it-yourself approach. (I hope to get a better paying job in the near future, but that's another story.)I'm afraid that revenue could fall significantly at any time, so I've been reluctant to invest in it, but it's currently going full-steam ahead. Another question is, is it possible to retroactively form the LLC/S-Corp (to classify all 2013 income under the S-corp, even though I haven't incorporated yet)? I just received some large checks made out to me; if I were to open a business checking account and deposit them there, would that help at all? And if revenue nose-dives, how much of the cost of incorporation could I get out of by cancelling it?As far as I can tell the venture doesn't have a significant liability risk, so I'm mainly interested in this for tax reasons rather than liability shielding. If anyone has experience with this sort of thing, can you give an estimate of the costs associated with managing payroll, incorporation, accountant fees, ... anything else I'm missing? I'm in California.Then if I do incorporate, there's the question of what fraction of the income to pay as wages. I've heard that you should pay 50% to be on the safe side, but in this case the revenue is not particularly tied to the amount of work I put in (once something starts doing well, it can continue to bring in revenue with very little input from me). Business expenses are also extremely low. If the fact that there's no significant capital expenditure means I have to pay wages much over 50%, then this whole exercise may not be worth it.I'm also realizing that I should possibly set up some sort of retirement account contribution, since I don't need this cash right away. In the past I've just made Roth IRA contributions, so I don't really know anything about 401(k)s etc.To summarize, main questions are:
At what point is it worth it to incorporate and what are the costs?
What is the best way of learning how to incorporate and to find good professional help?
Is there any way to retroactively incorporate?
General advice very welcome.Thanks for any input, and sorry this is a bit of a scattered question.

This has been mentioned in another thread, but I think it deserves it's own topic.This is a great printer in it's own right. No generic inks yet, but many quality
features / Auto duplexing / great lab quality photo prints / Scanner / Wireless
Airprint from iPhone / iPad / Android etc...$99.99 for the MG5420
-10.00 coupon (online 78390, in store 14844 - check the flyer for this coupon)
-50.00 printer trade in (bring receipt and old printer for trade-in)39.99 for a great printerLink
Now be ready for some push back from employees / managers on this one!!
Be ready to be made to feel like a criminal also!!When I tried this at the first Staples. I had two MG5420's loaded in my cart.
They said I couldn't use the coupon for 10 off with this printer... even though
item 136624 is specifically mentioned on the coupon. (Had to point this out to them.)Then they said I couldn't do the printer trade-in in combination with this printer and
the coupon... although both are listed in their flyer and online. (pointed this out also)Employee tried to sell me expensive inks... I declined.
Then he tried to sell me the replacement plan. I declined.
His manager was hovering over this whole transaction...at this point he punched a code and said... "Sell him the plan..." to his employee...
Then he said to me, "I'm gonna save you a ton of money." and punched in
the code for the printer trade-in... (even though I didn't have the printers / in car).I told the employee I didn't want the replacement plan and that I had two printers
to recycle in my car, so please take off the replacement plan. He wanted to see
the printers before he completed the transaction (which only makes sense), but used
the time to talk to his manager again, while I went to get them.When I returned, they had decided they were going to sell the printers to me along
with the printer trade-in, but they weren't going to scan the 10 off coupon twice.
Only once... because the coupon technically says one per customer, not per transaction.
I was tired of fighting at this point...I then paid the whole bill with rewards -- which made them even more upset...I dropped 1500 dollars on serious business supplies back in Dec...
I'm getting tired of being made to feel like a criminal when I simply ask for the
'advertised' deal and try and make use of their 'advertised' coupons, with their
'advertised' trade-ins with their 'advertised rewards'.... *sigh*I know it's all a game to get me in the store and to upsell me. But they must know
there are people who are going to come in and just want the 'advertised' deal and
that's it!! Why make your customer's feel this way because you advertised it?? *sigh*Even Bestbuy hasn't pressured me this much recently. No wonder Staples is going out...Anyway, this deal is for the brave and the bold I suppose... but it's all advertised.
Go prepared though... not every flyer has the 50 trade-in offer printed for the MG5420.
I had the guy look it up online... and I had my smart phone ready to show him.Good Luck
Staples Coupons

This has been mentioned in another thread, but I think it deserves it's own topic.This is a great printer in it's own right. No generic inks yet, but many quality
features / Auto duplexing / great lab quality photo prints / Scanner / Wireless
Airprint from iPhone / iPad / Android etc...$99.99 for the MG5420
-10.00 coupon (online 78390, in store 14844 - check the flyer for this coupon)
-50.00 printer trade in (bring receipt and old printer for trade-in)39.99 for a great printerLink
Now be ready for some push back from employees / managers on this one!!
Be ready to be made to feel like a criminal also!!When I tried this at the first Staples. I had two MG5420's loaded in my cart.
They said I couldn't use the coupon for 10 off with this printer... even though
item 136624 is specifically mentioned on the coupon. (Had to point this out to them.)Then they said I couldn't do the printer trade-in in combination with this printer and
the coupon... although both are listed in their flyer and online. (pointed this out also)Employee tried to sell me expensive inks... I declined.
Then he tried to sell me the replacement plan. I declined.
His manager was hovering over this whole transaction...at this point he punched a code and said... "Sell him the plan..." to his employee...
Then he said to me, "I'm gonna save you a ton of money." and punched in
the code for the printer trade-in... (even though I didn't have the printers / in car).I told the employee I didn't want the replacement plan and that I had two printers
to recycle in my car, so please take off the replacement plan. He wanted to see
the printers before he completed the transaction (which only makes sense), but used
the time to talk to his manager again, while I went to get them.When I returned, they had decided they were going to sell the printers to me along
with the printer trade-in, but they weren't going to scan the 10 off coupon twice.
Only once... because the coupon technically says one per customer, not per transaction.
I was tired of fighting at this point...I then paid the whole bill with rewards -- which made them even more upset...I dropped 1500 dollars on serious business supplies back in Dec...
I'm getting tired of being made to feel like a criminal when I simply ask for the
'advertised' deal and try and make use of their 'advertised' coupons, with their
'advertised' trade-ins with their 'advertised rewards'.... *sigh*I know it's all a game to get me in the store and to upsell me. But they must know
there are people who are going to come in and just want the 'advertised' deal and
that's it!! Why make your customer's feel this way because you advertised it?? *sigh*Even Bestbuy hasn't pressured me this much recently. No wonder Staples is going out...Anyway, this deal is for the brave and the bold I suppose... but it's all advertised.
Go prepared though... not every flyer has the 50 trade-in offer printed for the MG5420.
I had the guy look it up online... and I had my smart phone ready to show him.Good Luck
Staples Coupons

Josh Ritters album The Beast In Its Tracks is largely inspired by his divorce, but its only a breakup record in part. Since then, Ritter found a new love and "Joy To You Baby" has him in a transcendent mood at the end of that emotional cycle, wishing happiness to the world as a whole and his old love in particular, but noting bittersweetly, If Id never have met you, you couldnt have gone. Jim Allen, Google Play
Link to the album belowhttps://play.google.com/store/music/album?id=B2grgt5lw4pcqgvsxyq...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?

this is FAR again at Newegg. this will be posted in the QS of the main thread ASAPSymantec Norton Internet Security 2013 - 3 PCs
$50 - $50 MIR card exp 5/1/13Free 8GB USB flash drive w/ purchase, limited offernote: parago is beginning to reject rebates on a more frequent basis. There might be a 20 rebate submission for symantec/norton. i apologize if this is a repost. thank you for reading.update: 11:32: the free 8gb has been removed from the item page. thanks to those who have mentioned it.
Newegg Coupons

I was at a Target in Rockford IL and saw the Sony BX45 46" LCD TV for $399.99 on clearance. I didn't think anything of it until I told my buddy who lives in Oceanside, CA and he picked one up there. Obviously YMMV, but a good deal for a 46" TV especially if you need another TV. A lot of Targets are going through their TV wall reset and need to clearance out these old models. Good luck!Specs for TV

I've been tooling around with this idea in my head for a while. It's a long way from going into action but I thought I would throw it out there in case people have useful input. My parents are in their late 50s and will be retiring soon. They are quite low income, but they have no debt and will have enough savings to get by along with some small pensions and hopefully social security. I would like them to be able to have a lot more than just enough to get by so I plan to help them out a bit in the future when presumably I will have more substantial means. This will give them more freedom to enjoy their retirement by taking luxuries such as trips they might not otherwise be able to afford.My tax rate will be much higher than there's so simply gifting them money is not very tax efficient. Right now the gap in our tax rates is 20%, and that may grow to be 30% or more in the future. So if I earn a dollar and pay tax on it and give them what's left they will get 20 to 30 cents less than if I could give them an asset that generates income so they pay the tax. I want to start gifting them income earning assets in the future to accomplish this.My plan, and it's a very long-term one, is to start gifting them interest in rental real estate as it approaches being fully depreciated. Right now my property doesn't throw off much taxable income after depreciation. I am locked into a 30 year mortgage at a low rate. Over time mortgage interest will go down, rents will go up, and the building will be depreciated for tax purposes. I figure I can capture the benefits of the depreciation to shelter my earnings now, and over time as the tax gains on the building go up and so do my tax rates, I'll start gifting an interest in the building to them. This will reduce my taxable income and increase my parent's. I can gift $14,000 per year to both my mother and father. That's 28,000 per year total (and 56,000 if I'm married then) which I can transfer tax free. I may or may not need to transfer the property into a partnership to ease the transfer (gift them partnership interest where you can take more aggressive valuation discounts), but I haven't gotten that far yet. I want the transfer to be done in a way so that there is no deemed sale for tax purposes and also at a rate low enough to not eat into my own lifetime gift tax exclusion, hence the $14,000 per year rather than gifting them the whole building at once. I would transfer this amount every year until they own the property free and clear, and then just charge them a nominal fee to manage it for them.Right now I would have to pay taxes on around $5,000 in income for the building, but twenty years from now it will probably be generating more like $20,000-30,000. The tax savings on the transfer at this point would be substantial. And although it's a rather morbid way to think about it I may even end up further ahead tax-wise. When they eventually die the property would likely revert back to me through their estate. It would have been fully depreciated by this point so if it's sold before their death the property would be subject to full depreciation recapture plus tax on any increases in value. But if it's in their estate it would get a full step up in basis, all the depreciation would be wiped out, and since their estate will be well below the exclusion there is no estate tax due. I would then have possession of a brand new depreciable building as if I had just bought it. Or it could go to grandkids if they are in the picture and that is more efficient. The biggest risk I can think of is losing control of the building. It would count towards their assets for any type of government assistance if they needed medicaid or whatnot at end of life. And in the unlikely event they decide to go against my advice and wishes and sell the property to pay for something else I couldn't stop them.This type of gifting, going up generations instead of down, is probably rare. It's just something I think will work out really well in my situation and I'm wondering what other people think about it?

There is a drugstore.com 20% of coupon hereAll the nuts are under here
http://www.drugstore.com/household-food-and-pets/nuts/qxg184361-...Honey Roasted
Habanero BBQ
Lightly Salted
Wasabi & Soy Sauce
Jalapeno Smokehouse
Lime 'n Chili
Smokehouse
Whole Natural
Roasted Salted Price is $3.39 each + 20% off thru 4/26 + Free Shipping w/ Shoprunner
drugstore.com Coupons

If you use the Yelp app on your phone, you can get a free small tote bag when you check in at Whole Foods. Just search for WF on Yelp and look for the check-in offer. It's probably only meant to be used once, but you can use it multiple times if you don't hit the "use it now" button. Valid in MN, MO, NE, IA, WI, IL, MI, and ON.

This HDTV comes equipped with a 46 in. Class LED display to provide you and your whole family with a truly impressive visual performance in Full HD 10If your're looking for the best deals, you've come to the right place This is where you'll find Tiger's Top 10 Laptops & Notebooks Deals! Make sure you check back everyday so you don't miss out!

This HDTV comes equipped with a 46 in. Class LED display to provide you and your whole family with a truly impressive visual performance in Full HD 10

Jazz songwriter Bobby Troup wrote "Route 66" while taking the fabled highway to L.A. in search of fame and fortune when he came back from World War II. Nat King Cole, whose zen-like cool remains unparalleled, made the tune even hipper, turning it into the rare number that united zoot suiters, urban beatniks and long-haul truckers. You want to teach someone about America, play them this song. Nick Dedina, Google Play
Link to the album belowhttps://play.google.com/store/music/album?id=Bhskl4zjndlp6fr3kqx...
ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

0 Posted By: FatWalletTopDeals
Views: 195 Replies: 0

Hoover Whole House Bagless Upright @ Walmart - $79.00
was $119.96
Free Shipping


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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I have a 16 year old step-son who wants to get his driver's license. Me and his mom have been trying to have him wait until he's 17 because it's going to cause our auto insurance premium to skyrocket like most, I have Geico now. Not that I'm trying to deceive them, but I've been trying to find out when would be the best time to add him once he gets it. I can't ask the insurance company of course and everything I read says I risk endangering my policy if I wait any amount of time once he has his license. But I'm wondering if I can wait until my policy is up for renewal to do it and be safe?E.g., if I just renewed my policy for the next 6 months, and let's say my step-son's birthday is Friday and I got him his license that day. Wouldn't I be better off waiting until my current policy is up for renewal to let them know about the new driver? I can't help but think it's a giant risk, but I don't know enough about the law to say if it's illegal. The last thing I want to do is get my policy cancelled and lapse my coverage and have trouble finding another carrier. Any fatwallet folks ever considered this?

Night Court: The Complete First Season on DVD for $6.99 + free shippinghttp://www.amazon.com/Night-Court-Complete-First-Season/dp/B0006...(free shipping w/Amazon prime, or on orders over $25)One of the zaniest and bawdiest shows to hit network primetime in the 1980s, Night Court starred Harry Anderson as the Mel Torm-loving, magic-trick-playing, too-young judge Harry Stone presiding over the night beat of New York. Joining him were lecherous assistant district attorney Dan (John Larroquette), bald Bunyanesque bailiff Bull (Richard Moll), uptight court clerk Lana (Karen Austin), earnest public defender Elizabeth (Paula Kelly), and grizzled bailiff Selma (Selma Hacker).
In between cases involving ladies of the evening, a derelict who thinks he's Santa, and sparring spouses, the court staff spends most of their spare time trying to figure out the judge's age and background, making jokes about Bull's imposing appearance, or, in Dan's case, propositioning any woman who comes along. First-season guest stars include Michael J. Fox playing a young tough and Yakov Smirnoff as a Russian who threatens to blow up the court.

So this isn't new news...but came up as a news blurb for me today:http://www.moneynews.com/MKTNews/retirement-facts-sean-hyman/201...Don't know how valid this source is - but the basic factual blurbs are seemingly accurate considering their stated sources.I'm not really a student of finance history - but it just got me thinking:I'm pretty diligent about saving for my retirement. I hope to have what I need to make my retirement years comfortable, if not at least a bit luxurious (i.e. not just scraping by).I can't help but wonder how my peers who have not chosen to properly save will affect my own retirement experience?Will I need to save even harder because of other's lack of planning?
Might my benefits be reduced be reduced since I can "afford" to live without them?Those who earn decent and pay taxes already pay a lot to support the welfare state of those who don't (see other semi-current threads about welfare).
Will this somehow run over for the current generation into retirement age?
Or, will the earners of tomorrow be the ones footing the bill for the mistakes of those who don't save today?This is obvious speculation since who knows what will change in 30-40 years - I was just curious what the community thought...

https://www.facebook.com/photo.php?fbid=10151584404435236Customers who try on bra or swim during event will receive a mystery card with one of 3 offers: A $5 money card, free favorite undie or a free bra.Participating stores:
https://www.facebook.com/notes/aerie/aerie-try-on-event-426-428-...

thnx wildwags heres a new Happy and Healthy SNIP n SAVE Walgreeens Magazine (Spring 2013) that you can find at your local store and its good thru Saturday, May 18, 2013. Its loaded with points deals and coupons so head on over to your local Walgreens and pick one up:screenshot of magazine to look for: http://wildforwags.com/wp-content/uploads/2013/04/Happy-and-Heal....99 for Nice! Thin Mints, 5 oz (1000)
$3.49 for Good & Delish Chocolate Bar (1004)
$2.49 Nice! Veggie Sticks, 7 oz (1008)
$2.49 Studio 35 Beauty Nail Polish Remover Pump, 5.9 oz (1012)
$3.99 for Good & Delish Extra Virgin Olive Oil, 16.9 oz (1001)
$2.99 for each Good & Delish Mini Treats: Smores, 5.75 oz Red Velvet Caramels, 6 oz Sandwich Cookies, 8 oz (1005)
$2.49 Nice! Caramel & Fudge Coconut Cookies, 7 oz (1009)
$3.49 for Pet Shoppe Natural Biscuits, Sweet Potato Slices or Wraps, 7 to 24 oz (1013)
$2/1 Walgreens Acne Wash or Scrub, 5 to 9.1 oz (1002)
.79 for Studio 35 Beauty Lotion (1006)
.99 for W Alkaline Batteries AA, or AAA, 4 pk (1010)
$3/1 Walgreens Sinus Relief: Neti Pot or Nasal Wash Kit Saline Packet Refills, 100 pk (1014)
$2/1 Walgreens Sleep II Tablets, 96 ct (1003)
$1.49 for Studio 35 Beauty or W Cotton Swabs or Textured Rounds, 80 to 375 pk (1007)
$6.99 for Walgreens Diabetic Nutritional Shakes, 6 pk (1011)
$2/1 Walgreens Certainty Protection: Pads, 52 pk Underpads, 10 to 36 pk Underwear, 10 to 34 pk (1015)
WEEKLY COUPONSGood Sunday, April 21 thru Saturday, April 27, 2013:$10/1 Immunetech My Allergy Test (1693)
$3.49 for Nice! Homestyle Meatballs, 16 oz (1692)
$2.49 for Whole Cashews, 8.5 or 9.5 oz (1691)
$1.99 for 24-Pack Nice! Purified Water, 16.9 oz ea plus deposit where required (1690)
Good Sunday, April 28 thru Saturday, May 4, 2013:.99 for Nice! Loaded Potato Skins, 4.5 oz (1790)
$1/1 Walgreens Heel Balm, 2 oz (1791)
2 for $5 for Good & Delish Peaches or Mandarin Oranges, 24.5 oz (1793)
$3.99 for Nice! Pistachios, 10 oz (1792)
Good Sunday, May 5 thru Saturday, May 11, 2013:$15.99 for Finest Nutrition Whey Protein, 2 lbs (1893)
$1.49 for Good & Delish Kettle Cooked Potato Chips, 8.5 oz (1891)
$5.49 for Good & Delish Coffee, 12 oz (1892)
$2.49 for Nice! Magic Mix or Trail Mix, 9 oz (1890)
Good Sunday, May 12 thru Saturday, May 18, 2013$6.99 for W Photo Memory Storage 2GB Micro SD or 4GB SDHC Memory Card (1193)
$15/1 Walgreens Nicotine Mini Lozenges, 81 or 135 pk (1191)
$1.49 for Patriot Candles Wax Melts, 6 pk (1192)
$3.99 for Nice! Almonds, 16 oz (1190)

Hi all,I'm in the process of finding a new job. I usually use the same email address when I submit online applications. Given that the industry that I'm applying in is fairly small, I end up sending multiple applications to the same firms when I see an opening.For example, I recently applied for a position and in my profile I can see that I applied 3 other times in a period of past 4 months. I can also see the previous resumes that I submitted which I recently revamped completely to make my candidacy stronger. Do HR professionals look at all of my past applications and make comparisons? Would I be better off using a different email to create a new profile when I submit applications? I just applied for a position that I'm very interested in and I'm afraid I will not even be given a shot given that I've applied too many times and some positions are quite different from another. Can anyone who work or worked in HR shed some light?Thanks

Pictures of the Mind: What the New Neuroscience Tells Us About Who We Are (FT Press Science) - Digital List Price: $25.99- Miriam Boleyn-Fitzgerald (Author)Book Description
Publication Date: January 8, 20104.3 out of 5 stars (30 customer reviews)Neuroscientists once believed your brain was essentially "locked down" by adulthood. No new cells. No major changes. If you grew up depressed, angry, sad, aggressive, or nasty, you'd be that way for life. And, as you grew older, there'd be nowhere to go but down, as disease, age, or injury wiped out precious, irreplaceable brain cells. But over the past five, ten, twenty years, all that's changed. Using fMRI and PET scanning technology, neuroscientists can now look deep inside the human brain and they've discovered that it's amazingly flexible, resilient, and plastic.

Pictures of the Mind: What the New Neuroscience Tells Us About Who We Are shows you what they've discovered and what it means to all of us. Through author Miriam Boleyn-Fitzgeralds masterfully written narrative and use stunning imagery, you'll watch human brains healing, growing, and adapting to challenges. You'll gain powerful new insights into the interplay between environment and genetics, begin understanding how people can influence their own intellectual abilities and emotional makeup, and understand the latest stunning discoveries about coma and "locked-in" syndrome. You'll learn about the tantalizing discoveries that may lead to cures for traumatic brain injury, stroke, emotional disorders, PTSD, drug addiction, chronic pain, maybe even Alzheimer's. Boleyn-Fitzgerald shows how these discoveries are transforming our very understanding of the "self", from an essentially static entity to one that can learn and change throughout life and even master the art of happiness.
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Stainless steel is strong! Stainless steel is a very strong metal, as is evidenced by its use in manufacturing, cooking and a variety of other high-demand industries. Because stainless steel is so durable, jewelry designers have been using it in the production of wristwatches and other items likely to receive abuse during normal wear for quite some time. Stainless steel rings are great if you are looking for an accessory that resists scratches, dents and damage. Stainless steel wedding bands are especially popular for their strength and durability. Your stainless steel ring is likely to maintain its original shape and luster for a lifetime, regardless of how much abuse it takes due to your gaming activities.Stainless steel is masculine! Stainless steel has always been associated with rugged masculinity, due to its use in the industrial fields. Stainless steel has been used for some time in the production of a number of mens accessories, including watches, bracelets and eyewear, and the look of stainless steel translates easily to ring designs.Stainless steel is hypoallergenic! Traditional jewelry metals, such as gold, silver and even platinum, can elicit allergic reactions due to trace impurities in the metals or a persons allergy to the metal itself. If you are someone who has skin allergies or sensitivities, then you may have had problems finding a ring that you are able to wear comfortably. Stainless steel rings are hypoallergenic and are much less likely to provoke allergic reactions than rings made from other metals. Link
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Pictures of the Mind: What the New Neuroscience Tells Us About Who We Are (FT Press Science) - Digital List Price: $25.99- Miriam Boleyn-Fitzgerald (Author)Book Description
Publication Date: January 8, 20104.3 out of 5 stars (30 customer reviews)Neuroscientists once believed your brain was essentially "locked down" by adulthood. No new cells. No major changes. If you grew up depressed, angry, sad, aggressive, or nasty, you'd be that way for life. And, as you grew older, there'd be nowhere to go but down, as disease, age, or injury wiped out precious, irreplaceable brain cells. But over the past five, ten, twenty years, all that's changed. Using fMRI and PET scanning technology, neuroscientists can now look deep inside the human brain and they've discovered that it's amazingly flexible, resilient, and plastic.

Pictures of the Mind: What the New Neuroscience Tells Us About Who We Are shows you what they've discovered and what it means to all of us. Through author Miriam Boleyn-Fitzgeralds masterfully written narrative and use stunning imagery, you'll watch human brains healing, growing, and adapting to challenges. You'll gain powerful new insights into the interplay between environment and genetics, begin understanding how people can influence their own intellectual abilities and emotional makeup, and understand the latest stunning discoveries about coma and "locked-in" syndrome. You'll learn about the tantalizing discoveries that may lead to cures for traumatic brain injury, stroke, emotional disorders, PTSD, drug addiction, chronic pain, maybe even Alzheimer's. Boleyn-Fitzgerald shows how these discoveries are transforming our very understanding of the "self", from an essentially static entity to one that can learn and change throughout life and even master the art of happiness.

Stainless steel is strong! Stainless steel is a very strong metal, as is evidenced by its use in manufacturing, cooking and a variety of other high-demand industries. Because stainless steel is so durable, jewelry designers have been using it in the production of wristwatches and other items likely to receive abuse during normal wear for quite some time. Stainless steel rings are great if you are looking for an accessory that resists scratches, dents and damage. Stainless steel wedding bands are especially popular for their strength and durability. Your stainless steel ring is likely to maintain its original shape and luster for a lifetime, regardless of how much abuse it takes due to your gaming activities.Stainless steel is masculine! Stainless steel has always been associated with rugged masculinity, due to its use in the industrial fields. Stainless steel has been used for some time in the production of a number of mens accessories, including watches, bracelets and eyewear, and the look of stainless steel translates easily to ring designs.Stainless steel is hypoallergenic! Traditional jewelry metals, such as gold, silver and even platinum, can elicit allergic reactions due to trace impurities in the metals or a persons allergy to the metal itself. If you are someone who has skin allergies or sensitivities, then you may have had problems finding a ring that you are able to wear comfortably. Stainless steel rings are hypoallergenic and are much less likely to provoke allergic reactions than rings made from other metals. Link
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Terminator 3: Rise of the Machines [Blu-ray] for $6.99 + free shippingFree shipping with PrimeAfter this, we only need to pick up 1 more to have the whole set on bluray, all for between $5-7 each so far!http://www.amazon.com/Terminator-3-Rise-Machines-Blu-ray/dp/B001...

PSA Premium Classic Lower Build Kit 146.95 shippedFor what it worth, this can be a good deal if you do not want to waste time searching around for components. It is not so hard to find an LPK for around 70$+shipping but finding a stock assembly that has a receiver extension tube is problematic. Midway has a TAPCO kit for 71.99$ but first of all will be a mixture of the brands between LPK and stock plus TAPCO one is not that great as review says. Long story short - considering current prices it is still a best deal on the market. But for those who wants to live in the past, please move along there is no old prices anymore.

I bought a home last year. It was bank repo that needed a lot of work. We re-did the bathrooms, put in new carpet, painted the whole house, put in a deck, and got appliances (they were gone). It's a great house, and I wasn't planning to leave, but we are going to have to move in the next year or two for grad school. I'm wondering what sort of improvements would give the best return on investment when the house is sold. Here are some options:1. The water heater, furnace, and AC are all over 20 years old. I am planning not to replace these if they don't go out, because I doubt we will recoup the money.
2. Yard. The front yard looks like hell, because I think someone over-fertilized it a few years ago. Large patches with dead grass, weeds growing, etc. What's the best, most cost effective way to make a yard not look like hell?
3. Landscaping around house. The area around the house has basically no landscaping. It looks like someone landscaped it 10 years ago, and then forgot to water whatever was in there. It's overgrown with grass, weeds, etc. What should I do with this? Bushes? Mulch?
4. Tree. Front yard had a tree that was cut down a few years ago. Should I plant another one?
5. Landscaping in backyard. The backyard is basically just a yard. Should I put in paving stones, or a patio, or something else?
6. Solar panels or other energy efficient items. I understand these have large tax credits. I wonder if the after-tax return on investment might make it worth it to install them?
7. Garden. I was thinking about putting in some planting boxes with flowers or vegetables.
8. Anything else you can think of that would have an outsized effect on resale value.The house was purchased in bad shape for $60,000. Comps in the neighborhood are around $90-120,000, and I'd like to work my way to the higher end of this spectrum if it makes sense.

This has been at $89.99 since May 2012, the price has just dropped.https://itunes.apple.com/US/app/id521566089?mt=8VB-MAPP for iPad! Created on behalf of Dr. Mark L. Sundberg, Ph.D., BCBA-D. The VB-MAPP is a criterion-referenced assessment tool, curriculum guide, and skill tracking system that is designed for children with autism, and other individuals who demonstrate language delays. The VB-MAPP is based on established developmental milestones, and research from the field of behavior analysis.The VB-MAPP App starts with a demo student and limited access to the content of the assessments and guide materials. This allows users to try the app for free and upgrade to a full version when ready. The paid version supports one named, non-transferrable student and facilitates an unlimited number of assessments for that student. Additional students can be unlocked via an in-app purchase. Additional students also enjoy an unlimited number of assessments. Additional students can be added for $19.99 for 1 student, $54.99 for three students, $179.00 for 10 students and $399.99 for 25 students.The objectives, materials, examples and scoring criterion are readily accessible as part of each question, making the process of conducting the VB-MAPP assessment much, much easier. The results are plotted on the scoring forms automatically saving you a significant amount of time.Built in video tutorials show how to add students, start assessments, explore the scoring forms and how to export the results to parents or colleagues.The entire contents of "the guide" is also built right into the app providing all the suggested IEP goals, guidance on materials that facilitate conducting the assessments and a vast library of information that can greatly enhance any verbal behavior, applied behavior analysis program.
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I have really bad credit and have a car right now at 19.9% If I refinance with my wife who has great credit about 780 would it help my interest rate?

Firms of Endearment: How World-Class Companies Profit from Passion and Purpose [Kindle Edition] - was $39.99Jagdish N. Sheth (Author), Rajendra S. Sisodia (Author), David B. Wolfe (Author)http://www.amazon.com/dp/B0093J9OPG
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.

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

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

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

Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
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The city is telling me I have to replace the broken sidewalk in front of a commercial property. (Thats a topic for another post all together.) When I get a contractor to do the job, do I assume they will take care of it start to finish? My concern would be some kids messing up the cement before it dries. If so, will they fix it? Or will they have some minimum wage employee guard it overnight or how ever long it takes to set? Nobody is at the property most of the time anyway to stand guard.

I signed up for a 3 year ADT contract. At some point, my credit card changed and I didn't update my info with them. Six months later, they call me that they had cancelled my service (five months ago) and are billing me for the remainder of the three years.Should I have had any expectation that if their business is to send an alert for a burglary in my house, they should be able to alert me to a problem with their billing? Who can I talk to avoid small claims / collection?Thanks,A lurker

I've been a FW member for 9 years; I created a new account for this post for privacy reasons. I am making this post here because I have not been able to think of a realistic solution and I feel that the collective brain power and creativity that exists on FWF may spawn an idea that I have failed to think of.Goal: A source of income, earned working from home, greater than $500/month; ideally, greater than $700/month working ~3 hours per day. She receives medicare and medicaid- so there are limits to the amount of income she can report without losing her much needed medical benefits.She receives $660/month in SS disability now- obviously impossible to live on. I make up the difference. Her needs are greater now and I cannot make up the additional difference. My own financial situation has deteriorated and I am now supporting her from my savings- which is not sustainable. I also provide monthly income for my elderly mother who is also disabled; as her monthly social security is not sufficient. Over the years, I've provided over $250,000 in support for them along with my grandmother. At over 50 now myself, my savings are pitiful and dwindling each month. I'm becoming worried that I will run out of money one day. My FICO was 790+ for 25 years and is now 620 due to working overseas and not being aware of some oversights I made. I bring this up because any manufactured spend or AOR for cash bonuses are not possible.
Background and limitations: My sister is 53 and disabled. She is in constant pain. Her prognosis is, baring a medical breakthrough, that she will not be getting better. Further, the disease has ravaged her body. She is rarely able to leave the house. When she does, it's at night and exhausting just to make a trip to the grocery store 2x/month. She has terrible credit due to previous medical bills and lack of income. She has had 14 surgeries and, due to light sensitivity from the disease, she stays in the dark with sunglasses on- she can only use a computer for a couple hours per day because of this. We do not, and cannot, live in the same area. So, although I can teach/train her in person, she will be on her own to execute the plan.Selling on eBay is an option. But I am at a loss for what she could sell given the limited time she could be online, coupled with the physical demands of acquiring, packaging, etc etc of the items being sold.My sister's life is, frankly, not a life. I downplay the money I give her, but she feels as though she is a burden. Because of this, her prognosis, and her quality of life, she's losing her will to fight on. Besides the financial aspects, I believe earning an income would help her self esteem and sense of worth.Sorry this post is so long- thanks for reading.Ideas?...

In your opinion, for a high school senior who's choosing a career path, which of the following requires the 1st most, the 2nd most, and the 3rd most:1. Training or education
2. Luck or abnormally high IQ
3. Overall likelihood of getting richA doctor, lawyer, investment banker, or something else (real estate, investing well, being thrifty, etc.)? Feel free to discuss specific specialties or practice areas in your response. Background: A bunch of us have been debating this lately, so I want to know what you think. Career counselor isn't helpful. Student has an A average and is a high school senior. He's well-rounded and kind of likes all school subjects equally.

http://finance.yahoo.com/news/fewer-bank-accounts-may-lead-14574..."When it comes to bank accounts, less may be more if your goal is to save money, new research finds.The report, from researchers at the University of Utah and the University of Kansas, found that test participants who had multiple bank accounts saved less than subjects who had a single account, suggesting that consolidating accounts may help you spend less."I understand their point, and I'm sure psychologically it is true.But there are a number of drawbacks.Putting all your eggs into one basket isn't wise - especially with issues like ID theft.And one account just isn't the churn/arbitrage/FW way!

5-Packs Core Yarn Ultra Thin Tights for $9.90http://www.fernlice.info/Accessory/Socks-Tights/5-Packs-Core-Yar...The tights are very thin and invisibility with prevent silk. Don't take off a silk. Suitable for ladies whose height is under 175cm and hip under 110cm.

Accoutrements horse-mask for $18.69 + free shippinghttp://www.amazon.com/Accoutrements-12027-Horse-Head-Mask/dp/B00...free prime shipping Sold by maskwholesaler and Fulfilled by Amazon. Gift-wrap available.
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http://www.kmart.com/shc/s/p_10151_10104_004W002433582001P
Product Description15ft Trampoline with Enclosure and Anchor Kit Provides Super Fun For The Entire FamilyThe Propel 15ft trampoline set is a great tool to bring the entire family together. Strong enough to handle the weight of children, teens or adults, it's also safe enough for the youngest child. The 15-foot jumping surface allows plenty of room for safe bouncing and jumping while the enclosure surrounding the trampoline ensures that no one will hit the ground after an awkward bounce.Your 15ft Trampoline with Enclosure and Anchor Kit comes with sturdy construction and over 100 springs to help keep the trampoline stable. The springs also help absorb the shock each time that you land after jumping through the air. Anyone who is looking for a fun, safe and convenient way to get in shape will love this set. A wind anchor is provided to make sure that your trampoline doesn't crumble in high winds.Bonus Free Mister and Ladder Kit offer. Valid 4/21/2013 through 4/27/2013. See Rebate offer for details.  Propel 15ft trampoline set comes with over 100 galvanized steel springs to keep the trampoline in place at all times
Your trampoline can be safely used by children with adult supervision, teenagers and adults
Assembly is required and may require one or more adults to be put together safely and correctly
Extra padding and an enclosing structure come with the trampoline to add extra comfort and safety to everyone who uses it
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Me: Single 24 year old male looking to purchase first home in AZ.Let me start by saying I've been reading many rent vs. buy threads on this forum. I would appreciate feedback on my specific situation.Finance situation:
ZERO debt (No car payment, credit cards (PIF each month), or student loans - NOTHING) Credit score is about 780.
Salary is $49,300 plus $5,000 yearly bonus at a very stable fortune 500 company. Job security is high (recently promoted). Have a BS in Finance (Please don't bash me about this post).
$25,000 in scottrade account (Index Funds)
$6,000 in roth IRA
$13,300 in 401k
Working on building liquid savings . I know I should have some liquid savings but I simply continue to stock away in my Scottrade account.Currently, my living situation involves renting a room from a friend who owns a house out in Peoria, AZ. I pay $450 rent and half utilities (~$120 ish) which amounts to about $570 total per month. So far, this situation has worked out okay. I'm fine with staying here a little longer, but I want to start thinking of my next move.I've been browsing properties online and the houses in the area I would like to live range from about $130K - $150K, although I would like to stay closer to the $130K range. I'm not looking for a house so much as an investment, but a place to live and make my own. I would like to possibly rent one of the rooms out, however, I am not considering this as an ideal situation just yet. I'm the mechanical type, so a man cave garage is definitely calling my name for my hobbies (cars & quads). I would like to finance this house with a 30 year fixed mortgage, and put as little down as possible (FHA?). I know by not having the 20% down, I'm paying PMI, and that is something I am fine with. I know many people will ask how long I plan on living in this house, truth is, I do not know. I would definitely live in the house for atleat 5-7 years, possibly much longer, I would then look to rent it out or possibly sell it depending on how the market is at that time. However, I've also never lived in an apartment entirely on my own and it's one of this things I sort of want to experience while I'm still young before commiting to home ownership. My fear is if I rent an apartment, interest rates may move against me. Apartments will rent for roughly anywhere from $500 - $750 where I am looking.What do you FWF's think? Should I buy or rent?Thanks.

The Pantech Element P4100 Android Tablet is one of the best deals lately at this price. Unlike many no-name tablet makers, Pantech has a pretty decent website, is well spoken of in the Android community and has a recent free upgrade to Android 4.03 Ice Cream Sandwich (ICS) Operating System. In comparing the specs it shares the same dual core processor as many of the touted Samsung products in the past year, and compares well. The build quality is excellent, it has great battery life (6,400mah), and has Google Play installed. For those who like to tinker, there is a wealth of info on rooting if you take the time to search. Goggle is our friend! This is a good tablet to watch for dropping prices and deals. Specials of 10% to 20% Off or more have come up recently. Plus, AT&T offers a 3G and 4G capability for this Tablet if desired. They are currently selling this for the same price but must add a 2 yr. data plane at $15 to $60 a month. Yes, this is a refurb, but I did buy one and it appeared brand new except for a different AC Adapter/Charger. Not a mark or fingerprint on the one I or some others have recently received. Ebay Purchase For Pantech ElementHere are some brief specs and Links:
Pantech Element 8" Screen P4100 Speed Tests1.5GHZ Dual core processor:
1.5-GHz Qualcomm Snapdragon APQ 8060 CPU
1GB memory with 16GB internal storage
32GB (64GB also?) Micro SD capable
Google Play already installed
6,400mah Battery and up to 12 hours of run time (Longer Standby)
Plus More.. ..
Why Android Ice Cream Sandwich MAY be a better choice than the new Jelly Bean OS: ICS vs: Jelly BeanEarly Review & ComparisonPantech Element Support

The Pantech Element P4100 Android Tablet is one of the best deals lately at this price. Unlike many no-name tablet makers, Pantech has a pretty decent website, is well spoken of in the Android community and has a recent free upgrade to Android 4.03 Ice Cream Sandwich (ICS) Operating System. In comparing the specs it shares the same dual core processor as many of the touted Samsung products in the past year, and compares well. The build quality is excellent, it has great battery life (6,400mah), and has Google Play installed. For those who like to tinker, there is a wealth of info on rooting if you take the time to search. Goggle is our friend! Yes, this is a refurb, but I did buy one and it appeared brand new except for a different AC Adapter/Charger. Not a mark or fingerprint on the one I or some others have recently received. Ebay Purchase For Pantech ElementHere are some brief specs and Links:
Pantech Element 8" Screen P4100 Speed Tests1.5GHZ Dual core processor:
1.5-GHz Qualcomm Snapdragon APQ 8060 CPU
1GB memory with 16GB internal storage
32GB (64GB also?) Micro SD capable
Google Play already installed
6,400mah Battery and up to 12 hours of run time (Longer Standby)
Plus More.. ..
Why Android Ice Cream Sandwich MAY be a better choice than the new Jelly Bean OS: ICS vs: Jelly BeanEarly Review & ComparisonPantech Element Support

Link

Office Depot FAR software for the week of 04/21/2013 (one $10 AR title and one $15 AR title)
McAfee Total Protection For 3 Users [830-788] $69.99
$9.99 After $10 Instant & $60 Mfr. Mail-In SavingsTrend Micro Titanium Maximum Security 2013 [220-795] $89.99
$14.99 After $45 Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
If your Office Depot accepts printed competitor coupons: OfficeMax 20% off purchase coupon 04/21 - 04/27 (exclusions apply)
Get $6 back in Rewards per recycled ink cartridge when you purchase $50 of HP ink
--- Limit 5 recycled ink cartridges per customer.
--- Cartridges must be recycled in the same transaction as the HP ink purchase.
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned. LINK
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons

Everyone who was suckered in into EnergyPlus ESCO by the promise of 10K miles - watch for the postcard for the class action settlement.
Unfortunatelly, $20 settlement would not cover 100s of dollars I over-paid at above-market rates - but at least provides some satisfaction that fraud eventually gets punished in US.As a follow-up - be very careful with ESCOs. They often lure you in with a promise of a bonus or a good rate - only to jack it up above prevailing rates capitalizing on a fact that consumers often lack ability to compare prices. EnergyPlus was one of worst abusers - but pretty much every other ESCO in NYC has a variable rate higher than ConEd upon further comparison for the same period.

Amazon selling 15r special edition laptop with win 7 professional and 2GB Video card. Seems like a decent deal for whom are looking for win7 pro operating system with gaming ability also.
http://www.amazon.com/gp/product/B00C6R6FUY
Amazon Coupons

A family member has recently declared bankruptcy and wants to get a prepaid credit card that she can use in situations where she can't pay by cash or check. (I understand that she should get a secured credit card to start rebuilding her credit -- this is an interim measure.) A card that she could reload would be best.I was surprised to find so few questions or answers here about prepaid cards. I thought this would be a FAQ. Could anyone point me to a post or website that compares such cards -- I assume there is a significant variation on fees?If she will be able to open a new bank account so soon after filing, I assume this is a better option than prepaid, so long as they will give her a visa or mc branded debit card. Fees aside, are there any disadvantages to debit vs. prepaid?Thanks in advance for your help.

NEW!!!NEW Garmin nuvi 50LM US 5.0 GPS Navigation System with Lifetime Maps via eBay via buydig $108.99Garmin GPSProviding a complete navigation solution - nuvi delivers you safely wherever life takes you. Designed to make navigation easy, simply enter an address and premium features including lane assist with junction view, help you make all the right turns! With three different display options available, the nuvi is a great gift idea, whether it's an extra Garmin for another car, a college student, or anyone who could use a little help with directions.Product Features and SpecificationsLifetime Maps
Slim design fits easily in pocket
Easy-to-use, touchscreen interface - 5" diagonal color display
Lane assist with junction view - navigate with confidence while nuvi directs you to the preferred lane; also view images of upcoming junctions
Voice prompted turn-by-turn directions that speak street names to your destination - "Turn right on Main Street"
Speed limit indicator - unit displays speed limits for most major roads
Configurable vehicle icons - allows users to select fun, customized car-shaped icons; download additional choices from Garmin's website
"Where Am I?" feature - find the closest hospitals, police stations, gas stations, nearest address, intersection and coordinates
Trip computer records mileage, max speed, total time and more
microSD memory card expansion slot
Unit dimensions: nuvi 50: 5.5"W x 3.4"H x 0.7"D (14.0 x 8.6 x 1.8 cm); Weight: 6.3 ounces (177.2 g)
Built-in lithium-ion battery
Includes sturdy suction cup mount that allows for easy adjustment and quick release
Simplified PC connectivity, using USB mass storage, access either the microSD card slot or the unit's internal memory directly from your PC desktop
The map data is provided by NAVTEQ, a world leader in premium-quality mapping
US - Includes preloaded street maps for the United States, Puerto Rico, U.S. Virgin Islands, Cayman Islands, Bahamas, French Guiana, Guadeloupe, Martinique, Saint Barth lemy, and Jamaica.

Seems like a good deal for those with a Mac who want to use the Firewire 800 plug, plus this has a 3 year warranty and that's a year better then most of them I've seen out there, plus it just looks cool in silver.. Not available for shipping but I saw quite a few stores in the Richmond area, didn't check others but I'm sure they should still be available...
BestBuy Link
Best Buy Coupons

Take your movie-viewing and gaming experience to a whole new level with vivid and life-like visuals in spectacular 3D.

Kiss of the Dragon (Blu-ray) (Widescreen) @Target.com for $5http://www.target.com/p/kiss-of-the-dragon-blu-ray-widescreen/-/...Currently available online and in stores. Amazon price is $19.95Liu Jian, a police officer from China, comes to Paris to help the vice squad apprehend a Chinese drug lord and his unknown French Connection. The French Connection is Richard, the head of the vice squad, who intends to kill the drug lord then frame Jian. Jian ducks a bullet and escapes with a tape of what really happened. By chance, Jian turns to Jessica - a US farm girl who is one of Richard's hookers - for help. She has her own problems, including the fact that Richard has her daughter locked in an orphanage to keep Jessica on the streets and silent about his activities. Can Jian protect Jessica, rescue her daughter, and give Richard the kiss of the dragon?

There's only two of these left, but I thought I might let someone know.http://www.amazon.com/Sony-Compact-Interchangeable-Digital-18-55...Just bought one to replace a Panasonic LX5. Solid, a little bit older camera. Good for someone who is looking for a camera that doesn't need flash to shoot indoors and to move up from a point and shoot. Great high ISO pics, higher resolution which is helpful if you crop. Sony has useful features like sweep panorama and HDR mode. Note- it does not have a flash, though you can get an optional one. http://www.dpreview.com/products/Sony/slrs/sony_nexc3A good price is around $400 for this camera.
Amazon Coupons

101 Stoner Jokes eBook: I.R. Stoner: Kindle Store FREE Today April 19 on Amazon! for $0 http://www.amazon.com/101-Stoner-Jokes-ebook/dp/B004SHTXJKMarijuana related humor book, who is it good for? Fans of Snoop Dogg/Lion, Cheech & Chong, Harold and Kumar and funny fits with late night brownies, most likely.

OK I WAS LOOKING FOR NEW SHOES AND I FOUND THIS Shoes.com has a deal on shoes with a coupon code for 20% off sitewide! Use this extra discount to get some cute Sperry Top-Sider boat shoes and save on casual shoes for the whole family! Shoes.com has great prices on new Spring shoe trends like embellished sandals, cap toe flats and bright athletic shoes! Free shipping and easy returns are included!Coupon Code: SECRET20 This deal expires 1 week from now!
Shoes.com Coupons

Fatwalleters-
I just discovered that Schwab and Schwab Bank has a Pledged Asset Loan program. Basically on a investment account balance of 500K-1M, you can have a credit line up to 160% of the account balance. There is no fee to setup, and you can still trade in the investment account, and write checks out of the account.Here is the link- http://www.schwab.com/public/schwab/banking_lending/pledged_asse...When the Pledged Asset line is opened, the interest rate is fixed 3.4% + 90 Day Libor (.27) for 5 years. I am thinking that this is an easy, relatively inexpensive way for me to add potential liquidity for a remodel project that I am about to start (and will refinance the whole debt when it is completed). They indicated that they want the rate to be competitive with other companies products, so I want to negotiate the rate? Does anyone know of competing products at other brokerages or banks and the rates at those banks. Any comments appreciated.

Seems like a good deal for those with a Mac who want to use the Firewire 800 plug, plus this has a 3 year warranty and that's a year better then most of them I've seen out there, plus it just looks cool in silver.. Not available for shipping but I saw quite a few stores in the Richmond area, didn't check others but I'm sure they should still be available...
BestBuy Link
Best Buy Coupons

iRobot Roomba 530 Robotic Vacuum - $189.99 (Refurbished) woot.comhttp://home.woot.com/?variation=2Cleaning Head suspension system efficiently vacuums dirt, debris, pet hair, dust, allergens and more from carpets and hard floors
Counter rotating Bristle Brush and Beater Brush work together like a dustpan and broom
Sturdy Bristle Brush digs deep into carpet fibers to grab dirt, debris, pet hair and more
Powerful vacuum sucks large and small debris into the large, bag-less bin
Powered by a re-chargable Nickel Metal Hydride (NiMh) battery
Fine filter traps dust, pollen and tiny particulate inside the bin
Cleans the whole floor, under and around furniture, into corners and along wall edges
Detects dirtier areas and spends more time cleaning them
Spot Clean provides quick clean-up of spills and concentrated messes
Automatically senses and avoids stairs and other drop-offs
Compact Virtual Wall creates an invisible barrier that blocks Roomba from entering off-limit areas
Simple operationjust press the Clean button and Roomba does the rest
Automatically returns to its self-charging Home Base to dock and recharge between cleanings
Faster counter-rotating brushes with improved design pick up more hair and debris and are easier to remove and clean
Improved filter captures more dust and allergens while a larger bin holds more debris
Improved anti-tangle technology keeps Roomba from getting stuck on cords, carpet fringe and tassels
Improved sidebrush makes Roomba even more efficient at cleaning edges and corners
Shipping Note: Eligible for shipping to all 50 statesWarranty: 90 Day iRobot
Authorized for SquareTrade Extended Warranty
woot! Coupons

OK I WAS LOOKING FOR NEW SHOES AND I FOUND THIS Shoes.com has a deal on shoes with a coupon code for 20% off sitewide! Use this extra discount to get some cute Sperry Top-Sider boat shoes and save on casual shoes for the whole family! Shoes.com has great prices on new Spring shoe trends like embellished sandals, cap toe flats and bright athletic shoes! Free shipping and easy returns are included!Coupon Code: SECRET20 This deal expires 1 week from now!
Shoes.com Coupons

WalMart has a deal on wall art, posters, and photo gifts with savings up to 50% off and amazing rollback prices on tons of items! Decorate your walls for a discount or surprise mom with a photo canvas print of the whole family! You can also order photo blankets at WalMart.com! Free shipping with same-day in-store pick up and no coupon code is needed!
This deal expires 2 weeks from now!
Walmart Coupons

I am 30, my wife is 27. We expect kids in the next few years. Combined we make somewhere between 175-200k per year. We have no debt, and currently rent. In the next few years we plan to buy a home in the 300k range and have cash for 20% down. Our net worth between bank accounts and retirement (roth, 1 employer sponsored 403b, hsa) is around 110k. We are thinking long term and are interested in determining what makes more sense tax wise. Having taxable brokerage accounts of index/bond mix or using some of our extra money to fund a whole life policy. I know everyone rails against them but what about the tax implications we are looking at in the future? Im not convinced that deferring taxes with a 403b is going to put me in a lower bracket at age 65 given the debt our country has incurred and the fact that taxpayers are going to have to pay it off. That starts to make the tax advantages of whole life and death benefit scenarios sound better. Thoughts?If we go with term over WL, does it make more sense to go with a 30 year level terms over a 20?

KitchenAid BBQ Nonstick Vertical Chicken Roaster for $16http://www.housewaresdeals.com/BBQ-Nonstick-Vertical-Chicken-Roa...Shipping: $4.95
This KitchenAid BBQ Nonstick Vertical Chicken Roaster is one of the best ways to keep your chicken moist. You can roast a whole chicken on the grill or in the oven. With the perforated
base pan you can simultaneously roast your favorite vegetables or potatoes with your chicken.
The non-stick finish makes it easy to clean. Hand wash only. Vertical Chicken Roaster
measures 12 inch x 5-1/4 inch.
Housewares Deals Coupons

Only guaranteed FREE at time of posting (check prior to ordering, prices can and do change rapidly). More to come by various contributors - I'm sure you'll find something to enjoy. (Incidently, if you have a Nook...many of the same books are free at the same times.)A SEAL's Seduction (Harlequin Blaze) [Kindle Edition] by Tawny Webber
Link
Pub. 4/1/13Subject: Navy SEAL Lieutenant Blake Landon
Current Status: Two weeks of enforced leave
Mission: Distract himself in any way possible
Obstacle: A woman who tempts him to break the rulesincluding his own!Navy SEAL Blake Landon (aka "Boy Scout") knows the rule book inside and out. Checked. Rechecked. But when a mission ends badly, his entire team is ordered on leave. And that's when Blake sees the tall redhead whose dark eyes suggest that the rulesespecially those in bedare made to be broken.Scientist Alexia Lane has sex on the brainpartly for work, but mostly because she needs a man who makes her girly parts do the happy dance. Her only no-no? No military dudes. But Blake's rockin' bod promises delicious pleasures, and Alexia is halfway to sexual Nirvana before she can find out he's actually a Navy SEAL.And where one rule is broken, more are sure to follow.

When applying for a mortgage, has anyone been asked or expected to send documents via regular email, unprotected? I strongly dislike the careless approach to securing your documents that most mortgage companies use. Some have asked me to email sensitive documents (tax returns, pay stubs with SSN, bank account numbers next to the balances, etc.) unencrypted, or have even sent me documents with my SSN "encrypted" with something dumb like the last four digits of a social security number as the password. (As if it would take more than 0.001 seconds to crack a four digit numeric password on an old laptop). When I declined to email some documents, a broker asked me to fax them instead. Then I asked him how he received the faxes. He said via email! He couldn't tell me if the fax to email server was internal to his network (which would still be bad enough), but it sounded like a third party provider which could be anywhere. I'm curious of what experiences others have had exchanging sensitive documents and how you dealt with it. In years past, I did everything via overnight courier; now companies want to use email instead, even though they don't protect it. I think it is time for standards involving sending documents that include your social security number or personal info with mortgage companies and brokers.And substitute mortgage companies with any other finance company as needed. An obvious approach would be to have a secure server for document uploading/downloading, but without knowing who is operating the secure server and what security it actually has, it is hard to be assured.

I've used copies of this coupon so many times that I'm sick of them. So is my wife. So is my dog.If I had kids, they would probably weigh 300 pounds.Knock yourselves out!

My Mom who lives in Us since more than 20 years decided to sell the family house in her home country along with other small commercial that she owns in her original home country . She does not have bank account , (she never worked in Us and she is above 70 ) in US and she wants me to transfer the money into my bank account , planning to buy a house later in Us . IIs there any problem or concerns . The value is aroun 350K US ? Any advise

Craftsman Men's Brown Steel Toe Sport Boot for $29.99http://www.kmart.com/craftsman-men-s-spartacus-steel-toe-sport-w...The Men's Brown Steel Toe Sport Boot Delivers the Long-Wearing Comfort
Say goodbye to skimping with the Craftsman Spartacus Work Boot--after all, anyone whose office is ground zero of a bustling job site or production environment knows that safety boots are one area where only the best is good enough. If youre on your feet all day, you need comfort, and these boots deliver on that need. A mesh lining allows air to circulate, keeping feet comfortable for hours.
Kmart.com Coupons

Thought this might be helpful to those who haven't bought all the FAR stuff or looking to make some purchases.offer is on the banner at the Newegg website.from the details.... Qualifying order must be placed on Newegg.com between 12:01 am PT (Pacific Time) on April 17, 2013 and 11:59 pm PT on April 17, 2013.
Newegg Coupons

Link

If you are one of those who are a bit finicky about cleanliness, then this washable mouse is the perfect one for you.

Many Americans who heard this sumptuous neo-soul classic may not have understood its lyrics, which celebrated the ancient sub-Saharan monarch Makeda, or the Queen of Sheba. Yet its message of black pride rang clear through the Faussart sisters' voices. Nominated for a Grammy Award, this is one of the most successful foreign language songs in recent U.S. history; its reflection of a cosmopolitan country far removed from our clichs about France makes it more remarkable. Mosi Reeves, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=B3bvrvkshvr6wih3pw6...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

http://www.amazon.com/Brains-They-Press-Science-ebook/dp/B0030TY...For 50 years, the worlds most brilliant neuroscientists have struggled to understand how human brains really work. Today, says Dale Purves, the dominant research agenda may have taken us as far as it can--and neuroscientists may be approaching a paradigm shift.

In this highly personal book, Purves reveals how we got to this point and offers his notion of where neuroscience may be headed next. Purves guides you through a half-century of the most influential ideas in neuroscience and introduces the extraordinary scientists and physicians who created and tested them.

Purves offers a critical assessment of the paths that neuroscience research has taken, their successes and their limitations, and then introduces an alternative approach for thinking about brains. Building on new research on visual perception, he shows why common ideas about brain networks cant be right and uncovers the factors that determine our subjective experience. The resulting insights offer a deeper understanding of what it means to be human.
Amazon Coupons

https://www.bjspremierrewards.com/pages/user/register.aspxRegister now and receive a free mini Pizookie or handcrafted soda.

I will be soon building a second home to be used as a primary residence. After that home has been completed, I will be renting my current home to a family member. They will be simply paying my current mortgage payment to me in the form of rent. Can I deduct the mortgage interest from the home my family member will be moving into? The amount they will be paying me as rent is lower than fair rental price, so I'm not sure that qualifies under IRS law, as the unit will still fall under my personal use:
"A day of personal use of a dwelling unit is any day that it is used by: You or any other person who has an interest in it, unless you rent your interest to another owner as his or her main home under a shared equity financing agreement
A member of your family or of a family of any other person who has an interest in it, unless the family member uses it as his or her main home and pays a fair rental price
Anyone under an agreement that lets you use some other dwelling unit
Anyone at less than fair rental price"
http://www.irs.gov/taxtopics/tc415.html

Advance Auto Parts Coupon: $40 off $100 Online Orders or MoreNot as good as the $50 off $100, but for those who have something to purchase this weekValid until April 20http://shop.advanceautoparts.com/webapp/wcs/stores/servlet/conte...Enter coupon code DOW16 at checkoutFree shipping on orders $75 or more or free store pickup
Advance Auto Parts Coupons

Summer Escapes 10 ft. x 30 in. Quick Set Ring Pool for $59.99 + free shippinghttp://www.mygofer.com/summer-escapes-10-ft-x-30-in-quick/p-004W...Use code 10OFFGOFERJust Inflate and Fill This Quick Set Ring Pool with Pump For Cooling Fun In The Sun
A Summer Escapes 10 ft x 30 in pool set is your all-in-one ticket to enjoyment during the hot days of summer. This quick set ring pool with pump instantly transforms a hot backyard into a fun-filled summer playground. It comes with everything you need to get started, including an extra filter for the pump! This durable pool is constructed of PVC and features a diameter of 10 feet, which is perfect for the whole family. It breaks down easily for compact storage, so you can enjoy the pool set year after year. Give your family a comfortable way to bask in the summer sun with this Summer Escapes pool set!
MyGofer Coupons

I'm doing a bit of research for my folks who live and own property in California.One of the houses in my parents name is a house they put their names on in the 80s for my mom's brother. They were new immigrants to the country and couldn't get the loan, so my mom got one in her name. They are about to pay off the loan on the house entirely. While I think it would be best to probably engage with an estate attorney(?), just trying to do some background work to understand the issue more and would like to see if any of the folks here could offer insight. What would be the best tax efficient way to do this transfer? Quick Claim Deed?My mom would like to avoid gifting the property because her brother's family doesn't want to pay the taxes on the transfer (the reasonableness of this is a separate question) and because she did it as a favor, my mom doesn't want to take on that burden either. My parents have a few properties and also will be attempting to transfer those to my sister/my name in a will/estate planning. Another concern is that gifting this property will impact the amount of lifetime gifting available.

I recall seeing a thread way back about this topic, but couldn't find it. Anyway, what companies are you using for your homeowner's insurance? I'm looking for a reputable company with great rates. Any assistance is appreciated. Thanks.

I started reading fatwallet over 10 years ago. I'm 30 now and have about 1M saved -- no debt.
45% in stocks, mutual funds/bond funds/REIT funds,
8% in 401K,
6% in investment property,
15% in CD
25% in cash in alliant account (250K)I'm wondering what to do with the CD/Cash? I'm extremely busy with a business, so I don't want to spend more time managing investment properties. Sometime soon, though, it might make sense to buy a house. Is there any reason to pay more than the typical 20% down?My goal is to just consult/teach/do my own projects in 15-20 years (or sooner). I'm also an entrepreneur, so starting/growing my business is a priority. Any tips from people who are wiser and older? I'd like to invest intelligently, and don't want to lose the money I saved!thanks!

http://www.pier1.com/Tufted-Ottoman---Peacock/2600542,default,pd...Reg: $249.95
Sale: $199.99
Description
DetailsLarge enough to be a cocktail ottoman but cozy enough to put your feet uponour tufted ottoman is easy to love. Also? Easy to work with. Its colorful but versatile pattern is anchored by classic turned-wood legs. Who wouldn't be proud? Multicolor
36"Dia x 18.50"H
Mixed woods, polyester-rayon, foam
Hand-upholstered
Spot clean or professional olean only
This article meets the flammability requirements of California Bureau of Home Furnishings Technical Bulletin 117. Care should be exercised near open flames or with burning cigarettes.
Minimal Assembly
Pier 1 Imports Coupons

I have been looking to stock up on some dress shirts and this is the best deal I could find on Tyrwhitt shirts. If you go to this link, it should go through the retailmenot.com site. By doing this, you activate the free shipping offer while also allowing you to enter a promo code. Ignore the banner add that has the 7% off code and use promo code "tyr23b" for 10% off. They have the 4 shirts for $199 deal going on now; this takes $20 off and gives you free shipping ($14.95 to the US right now). The good thing about the 4/$199 deal is that it includes white shirts. You can also use both of these codes for anything else on the sites; as far as I can tell there's no minimum on the free shipping.LinkFor those who don't know, these shirts are apparently pretty comparable to Brooks Brothers dress shirts. Be sure to select what kind of cuff you would like, as they come with either french cuffs or button cuffs.

Deal with Your Debt: Free Yourself from What You Owe, Updated and Revised [Kindle Edition] - was $24.99Liz Weston (Author) http://www.amazon.com/dp/B00BHVQV1SPublication Date: February 19, 20131 Review ★★★★★Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and Crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.About the AuthorLiz Weston, an award-winning personal finance columnist, is one of the Internets most-read money experts. The New York Times called her The 10 Commandments of Money a wonderful basic personal finance book...[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further. Her best-seller Your Credit Score is now in its Fourth Edition. Her columns run twice weekly on MSN Money, and her Money Talk Q&A appears in print nationwide, from the LA Times to Stars and Stripes. She has appeared on Dr. Phil, NBC Nightly News, the Today Show and CNBC Power Lunch and is a regular contributor to Marketplace Money. Her books also include There Are No Dumb Questions About Money.
Amazon Coupons

Copied from the other site..Amazon has GreenWorks 10-Amp 14" Corded Dethatcher for $123.49 It had a coupon of about 19$, I could not get that to work. This may be a good deal for those who need it.I got one for my lawn which is in real need of this. Link
Amazon Coupons

Hello, I just thought of an idea for how to save a lot of money on meals, but I have many questions regarding my plan to save money on food, before I implement my plan. I am sure someone in FWF finance will be able to help me with these questions about shareholder meetings.
I received a notice of shareholder meeting today in the mail, along with some big boring booklet. I am thinking they will serve a delicious meal at this meeting. However, the meeting is in New York and the booklet does not say anything about food.
Does anyone know if companies serve wholesome meals at these shareholder meetings? I'm looking for really good grub, not continental breakfasts or bear claws or anything like that. Something you need a fork and knife to eat. Who has been to one of these meetings? Whats it like?
Anyway, if they serve meals at these meetings, is there some way to find out which companies hold shareholder meetings in my city? I live in the Twin Cities area, so I imagine there are a few such companies. Many companies are headquartered here, so I am thinking that they hold shareholder meetings where their corporate headquarters are? Does anyone know if my assumption is correct? And how can I find out whats on the menu for the shareholder meeting?
My possible plan is to buy one share of each company that holds a shareholder meeting in my town. It seems like a wise investment because if the share price is low enough, I can just hold onto the investment and keep getting meals year after year. I can buy a share of McDonalds and get free big macs at the shareholder meetings year after year (and I get to keep the stock).
This may be pushing it, but does anyone know can I bring my family to a shareholder meetings so we all get fed, or do all of us need to own a share before they will give us food? Also what do they do with the leftovers? Can shareholders take leftovers home?
Anyone with some insight on this, please let me know!!

Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an article of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market. And broadly speaking, you are correct. But I am talking about irrational investing via faith in some asset class vs. rational, data based investing. Its true rational, data based investing involves some sort of "faith" in its broadest terms. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. That is a belief. But its a very different sort of belief than say thinking you should plow all your retirement into gold because the economy is going to collapse (ignoring all objective indicators of the economy because obviously the government is making up the unemployment number) and were going to have hyperinflation (ignoring CPI because obviously the government is making it up that inflation is not really a concern right now). So my question is - is this a trend anyone else has noticed? Any way to profit off it?

A Clean Kill in Tokyo (previously published as Rain Fall) [Kindle Edition] Barry Eislerhttp://www.amazon.com/Clean-Tokyo-previously-published-ebook/dp/...Amazon.com Review
John Rain, a Japanese American konketsu, or half-breed, learned his lethal trade as a member of the U.S. Special Forces. Although tortured by memories of atrocities he committed in Vietnam, he has become a paid assassin, a solitary man who lives in the shadows and trusts no one, even those who pay extraordinary sums for his ability to make murder look like natural death. But the aftermath of an otherwise routine hit on a government bureaucrat brings Rain to the attention of two men he knows from the old days in Vietnam: a friend who's now a Tokyo cop and an enemy who betrayed Rain long ago and is now the CIA's station chief in Japan. Like the gangster who hired Rain to kill Yasuhiro Kawamura, they want something the dead man had--a computer disk containing proof of high-level corruption, information that could destroy Japan's ruling political coalition. The search for the disk leads them to a woman Rain has come to love, a talented young jazz musician who also happens to be Kawamura's daughter. In this taut, brilliantly paced debut thriller, set in a vividly rendered Tokyo, the author manages an unlikely feat; he earns the reader's sympathy and concern for his protagonist, an amoral assassin who is one of most compelling characters in recent crime fiction. --Jane Adams

Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an acticle of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market, but its not. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. So my question is - is this a trend anyone else has noticed? Any way to profit off it?

All I can say is "They were listed as free when I posted on FW"
No Ordinary Hero (Keepers of Justice, Book 1) [Kindle Edition]
Dee J. Stone (Author)
http://www.amazon.com/dp/B00B6LP8GS
Book Description
Publication Date: January 26, 2013
The world is set to explode in three months.The source: a lonely girl with an extreme superpower fueled by the negative emotions inside her.The solution: send fourteen year old superhero-in-training Kale Zenith to be her friend and give her a reason to smile.The problem? The girl trusts no one.With the fate of the world in Kales hands, quitting is not an option. Perseverance is key to knocking down the many walls around her, and soon he gets to know Lindsay as more than just the girl who will destroy the planet.But theres trouble back home. A secret plot is brewing inside his superhero League, and its up to Kale to expose the traitor. But that takes time away from Lindsay when she needs him most. Can he save her and the world before its too late?
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Poster Girl (Friends Along the Way) [Kindle Edition]
Anne Emerick (Author), Laura Petrisin (Illustrator)
http://www.amazon.com/dp/B008PVQ2X0
Book Description
Publication Date: July 17, 2007
Paula wants to win the third-grade science poster contest more than anything. There's just one problem - and her name is Cynthia Lyden. Also known as Little Miss Perfect. Cynthia, a girl with a different hair scrunchie for every outfit. Cynthia, who handwrites whole pages without a single cross-out. Cynthia, who framed her poster and brought it in a day early. All Paula wants is a chance to shine a little. But is she smart enough to compete with Cynthia? And if so, will it matter? As the two girls compete, Paula makes a startling discovery that changes her desire to out-do her rival.
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Ten Interesting Things About Human Behavior [Kindle Edition]
Suzanne Davis (Author)
http://www.amazon.com/dp/B006RDFHCK
Book Description
Publication Date: October 1, 2011
Ten Interesting Things About Human Behavior is a short, lighthearted look at 10 things human beings do, why we do them, and their significance in our everyday lives. How do we resolve psychological conflict that occurs when our behavior violates our attitudes? Why are we so quick to blame others for their behavior while offering excuses for our own? What should we make of the talking heads on cable TV who argue about the cause of TV violence on children's behavior - whose explanation is correct? Why are reality TV shows, some of which portray contestants as pathetic and dysfunctional, so popular?Questions like these usually provoke different answers from different people, each of whom may attribute his or her answers to "common sense." One person argues that "of course children mimic violence they see on TV - my kids do" while another attributes it to "poor parenting - because my kids don't." Which is it, and why?Research psychologists try to answer these questions as best we can. This book is a brief look at the answers to 10 aspects of human behavior - answers derived from controlled behavioral research that is designed to test various theories about behavior. Certainly, there is more to human behavior than the 10 things I chose for this short book. And there are hundreds of primary sources and research reports that describe the research findings in more depth. They're out there if you'd like to read more.But for those who are new to the field of Experimental Psychology, 10 Things may pique your interest in learning more about the subject. And for those "armchair psychologists" out there who'd like a quick read about the most fascinating creatures on the planet - human beings - I think you'll like it, too.
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The Fireball Kid [Kindle Edition]
Bill Palmer (Author)
http://www.amazon.com/dp/B0054H3Z38
Book Description
Publication Date: June 4, 2011
The Sandlot meets The Wonder Years in The Fireball Kid - the story of 12-year-old Danny Voss, a South Side Chicago kid growing up in the racially charged mid '60s.
All Danny dreams about is playing baseball for the Chicago White Sox when he grows up, but 1964 presents some serious obstacles: The toughest teaching nuns in the Chicago Archdiocese. The Little League team and Coach from Hell. A major crush on beautiful, big-haired Gloria. Plus, a well meaning but extremely frugal father, a younger sister who wants to be a priest and a mother that thinks Danny's road to the Major Leagues is paved with her meatloaf.
Except for surviving a secret trip to Riverview, the worlds most dangerous amusement park, the summer of 1964 is hardly going Dannys way. But quicker than a Sandy Koufax fastball, Danny is flush with cash after taking a part-time clandestine job working for Willis, a charismatic black man who lures suckers to Riverviews African Dip" attraction. Dannys rep as the Fireball Kid earns him a spot on the Monarchs - an all black inner city ball team Willis manages. Its not long before the Fireball Kid finds himself playing in the game of his life with his big league dreams and his best friends life on the line.
The Fireball Kid is a hilarious and moving coming-of-age story that feels as good as spending a day at your favorite ballpark with a couple of best friends and a few cold beers.
-Matt Iseman, host of Sports Soup and Clean House.
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Make Him Commit and Think It's His Idea [Kindle Edition]
Nate Truman (Author)
http://www.amazon.com/dp/B008XT8KHA
Book Description
Publication Date: August 14, 2012
Introduction:
Why Should You Read This?  If guy after guy stops calling you 'out of
the blue', then this book is for you.  Hint: It's not 'out of the blue'- there are very specific
reasons why they quit calling you and I'm going to show you how to stop the
behaviors that are turning them off.  If you've had more than one guy 'shut down'
and quit talking during a disagreement, then you need to read this.  If you 'fight
a lot' with every guy you date... maybe you're not the unluckiest woman on the
planet that somehow 'finds all the jerks'...  Maybe it's YOU.  The fact
is, there are 5 very common things that women do unknowingly that really turn
men off... not only turn them off but have them running the opposite direction.  Most of
these you have no idea that you're doing... In fact, you probably think that it's
part of "playing the game", when in reality you're systematically turning him
off one mistake at a time.  A lot of
women think they know exactly what they're doing when it comes to dating and
reeling in the guy they want... but a lot of times the results speak for
themselves.  The
Next 30 Minutes Will Reverse Years of Frustration...  This
will only take you about 30 minutes to read... but it will help your dating
life out tremendously.  I've taken the biggest mistakes that women make
with us guys, and boiled them down into clear explanations that you'll
instantly "get"... and it will become very clear where your problems are.
_____________________________________________________________________________________________________________How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores [Kindle Edition]
Deborah Williams (Author), Linda A. Johnson (Author)
http://www.amazon.com/dp/B006P57THG
Book Description
Publication Date: December 21, 2011
How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores. The #1 Kindle Bestseller in Grandparenting.
This guide explores the 10 way to talk to your kids, as well as fun tips for opening up conversations with your grandkids. How To Connect Long Distance With Grandkids
Making the Most of Your Time with Grandchildren
Grandparent Visitation
Better Conversation with Grandkids
When Grandkids Visit
Step-Grandparentingand much, much more...The Ten Secrets are not just about becoming an amazing grandparent. They are about how to build, make, and keep strong relationships with your children, and create relationships with your grandchildren that will make a lasting difference in both your life and their lives.Whether your goal is to be a long distance grandmother or to be a key part of your grandchildren's lives, there's never been a better time to learn these skills.Curious? Scroll up and click the "Buy Now" button, and learn the 10 Secrets To Being The Grandmother Everyone Adores
__________________________________________________________________________________________________________________ Perfect Pierogi Recipes [Kindle Edition]
Rose Wysocki (Author)
http://www.amazon.com/dp/B00B0GC7YK
Book Description
Publication Date: January 11, 2013
In Perfect Pierogi Recipes Rose Wysocki shares both traditional and contemporary recipes for pierogi dough, fillings and toppings. Some are recipes from her Polish Mother and Grandmother. Others are recipes she's collected or developed over the years.You'll find a total of 51 recipes. They are very easy to make. Included are recipes for: 10 different pierogi doughs (traditional and contemporary), 15 savory fillings, 6 sweet fillings, 3 traditional pierogi toppings, 2 contemporary toppings, 9 compound butters and 6 sauces. You'll also find a list of 16 additional traditional toppings and 10 contemporary toppings (without recipes.) Finally you'll find a lot of information about the history of pierogi, how to make pierogi dough, different methods to cut, stuff and seal the pierogi, how to best boil, saute, deep fry or bake pierogi, how to freeze pierogi and more. Rose also provides information about a couple of pierogi cutting and sealing tools that will save you a lot of time in preparing pierogi.Making pierogi at home is really easy if you have the right directions. This book will give you a head start on making perfect pierogi for your family in your home.
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Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living [Kindle Edition]
Judith Turnbridge (Author)
http://www.amazon.com/dp/B008GSG64C
Book Description
Publication Date: July 1, 2012
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living Do you feel trapped in a home too small and cluttered to breathe in? Would you like a designated place for everything?If you do, then Judith Turnbridge's latest book will provide you with all the answers you've been looking for.This easy-to-follow guide is jam-packed with practical tips and ideas for clutter-free home storage. It covers a host of topics on the separate areas of your home and gives you unique ideas on storing items such as shoes, makeup, books, and more. You'll learn how to utilize every inch of space, so you can say goodbye to being overwhelmed with clutter. You'll be able to stop wasting time and money looking for lost things and buying duplicates you already have. From now on your home will never be too small.Topics covered include: The living room
Storing toys in the living room
The kitchen - including a kitchen without many cabinets
The bedroom - including storage ideas for a small bedroom
Where and how to store clothes when there are no closets
How to keep nice/business clothes from getting wrinkled and dirty while in storage
How to store clothes in an under-bed storage bag without them smelling
How to raise a bed for under-bed storage
Socks and underwear storage when you don't have a bedroom dresser
Good makeup storage and organizational tips
Simple ideas for jewellery storage
The bathroom - including an extremely tiny bathroom
The kids room - including storing school artwork and crafts
The garage - including ideas for rodent-proof garage storage
How to solve shoe storage problems due to a cluttered closet
Storing shoes that do not serve an everyday purpose
Building your own DIY shoe racks
Handbags and purses
Storing a bike in a small apartmentThere's also much more in this fabulous book. You owe it to yourself to find out why nothing is better than a well-organized home and to finally turn your back on clutter forever.Judith Turnbridge is also author of the popular 'How to Declutter Your Home for Simple Living'.
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The Cuban Missile Crisis: A Very Brief History [Kindle Edition]
Mark Black (Author)
http://www.amazon.com/dp/B00AY4N4B4Book Description
Publication Date: January 6, 2013
Want to learn more about history, but dont think you have the time? Think again.The Cuban Missile Crisis, as it is known in the United States (US), occurred in October 1962. It was a naval military standoff that took place in the Caribbean Sea off the coast of Cuba between the two superpowers: the US and the Union of the Soviet Socialist Republics (USSR). Lasting thirteen days, it marked the height of the Cold War tensions, and was the closest the two nations had actually come to an outright war, which could in turn have led to a nuclear confrontation.The Very Brief History series is intended to give the reader a short, concise account of the most important events in world history. Each book provides the reader with the essential facts concerning a particular event or person; no distractions, just the essential facts, allowing the reader to master the subject in the shortest time possible.With The Very Brief History series, anyone can become a history expert!
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Free Country: A Penniless Adventure the Length of Britain [Kindle Edition]
George Mahood (Author)
http://www.amazon.com/dp/B0085W00M8
Book Description
Publication Date: May 23, 2012
"...spent last night laughing so much my coffee came out my eyes...""...this book is quite simply the best I've read in years...""...a completely bonkers challenge and a brilliantly funny read, I couldn't put it down...""...it reminded me of some of Danny Wallace and Dave Gorman's best bits...""...this wonderful story had me crying with laughter more often than not...""...inspiring, uplifting, need I say more? Quite brilliant...""...funny, totally engrossing and actually quite moving...""...one of the most heart-warming, genuinely funny books I have read in a long time...""...not many books keep me up 'till 4am, endangering my marriage in the process... Read it now...""...for the price of half a pint of beer you'll fill at least 4 pint glasses with tears of laughter..."
FREE COUNTRY: A Penniless Adventure the Length of BritainThe plan is simple. George and Ben have three weeks to cycle 1000 miles from the bottom of England to the top of Scotland. Theres just one small problem they have no bikes, no clothes, no food and no money. Setting off in just a pair of Union Jack boxer shorts, they attempt to rely on the generosity of the British public for everything from food to accommodation, clothes to shoes, and bikes to beer.During the most extraordinary of challenges, George and Ben scavenge through rubbish bins, search for the Loch Ness monster, wash dishes, clean hotels, sing Christmas carols for food, swim in lakes, descend Cornish hills on childrens bikes and cook a barbecue for 30 old people in a field. They spend the night in a greenhouse, a canal boat, a posh hotel, an empty house, a pub, a tent in a car park and a barn with a bull. Through the course of their hysterical journey they are clothed, fed and sheltered by the generous people of Britain; from llama farmers to onion farmers, students to lifeguards, a former rock-star to a former hit-man and Michael Eavis in a pair of hot-pants. They blaze a trail of open doors and warm hospitality the length of this green and pleasant land, proving that - both monetarily and opportunistically - Great Britain is undoubtedly a Free Country.

A Clean Kill in Tokyo (previously published as Rain Fall) [Kindle Edition] Barry Eislerhttp://www.amazon.com/Clean-Tokyo-previously-published-ebook/dp/...Amazon.com Review
John Rain, a Japanese American konketsu, or half-breed, learned his lethal trade as a member of the U.S. Special Forces. Although tortured by memories of atrocities he committed in Vietnam, he has become a paid assassin, a solitary man who lives in the shadows and trusts no one, even those who pay extraordinary sums for his ability to make murder look like natural death. But the aftermath of an otherwise routine hit on a government bureaucrat brings Rain to the attention of two men he knows from the old days in Vietnam: a friend who's now a Tokyo cop and an enemy who betrayed Rain long ago and is now the CIA's station chief in Japan. Like the gangster who hired Rain to kill Yasuhiro Kawamura, they want something the dead man had--a computer disk containing proof of high-level corruption, information that could destroy Japan's ruling political coalition. The search for the disk leads them to a woman Rain has come to love, a talented young jazz musician who also happens to be Kawamura's daughter. In this taut, brilliantly paced debut thriller, set in a vividly rendered Tokyo, the author manages an unlikely feat; he earns the reader's sympathy and concern for his protagonist, an amoral assassin who is one of most compelling characters in recent crime fiction. --Jane Adams
Amazon Coupons

My husband got hit head on by a car going the opposite direction that had drifted into his lane. The person behind him couldn't stop in time so she rear ended him. Good thing is he escaped with only a broken hand and some bruises. We filed on both drivers insurances (back and front) and found out the person who rear ended him had expired insurance. We didn't really care because the person who caused the accident was the guy who hit him head on in front. The car was declared totaled, but now Allstate (the guy's insurance company) is saying they won't pay for the full replacement value of the car because my husband was hit in front and back. If you look at the car, you can tell even if he didn't get hit in the back, the car would've been totaled (guy who hit him head on was probably going 55, husband had slowed down to about 45 on impact). Is this normal in a case like this? We were thinking about getting a lawyer, but they take 33% of everything which would probably leave us with the same amount as if we had accepted their offer. We would claim some on our insurance but we don't want to take a hit and we have a large deductible which would mean we probably wouldn't get anything in the end from our insurance. Thanks.

BDOD-232424 - Women's Ecco Tao Lace - up Walking Shoes
TextCompare at $115.00 Was $39.99 $29.99  Save $85.01 Who says classy can't be comfortable? No matter what's on your to-do list, Ecco's Tao Lace-ups are with you every step of the way. Suede and leather uppers are lightweight, durable and stylish, while the cushioned insoles and anatomical footbed give you a dynamic fit that's perfect for nearly any activity. High-traction rubber outsoles also help you grip the ground with tenacious traction. Save BIG BUCKS here! 
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Hi all--New FW user but longtime follower. Have used many of your tips in the past but haven't been on the forum in awhile. I'm looking for some advice on my wife and my financial situation, specifically with two things in particular- our home and our desire for children (more later).My wife(29) is a Registered Nurse and I am a Bakery Manager(30) for a high-volume location in a mid-size grocery store chain. Her W2 income last year was $62,000 and mine was $55,000. We have a 3bed/2 bath townhome we bought for 105k in May 2010, with a 30yr mortgage at 4.5% with a payment of $447.50 per month but we generally send an additional $500 towards prinicipal. Our balance is around $68,000~. The current value of the home is around 90k~ due to a few foreclosures and many up for sale in the neighborhood. My 401k is 50% in company stock and 50% in bond funds, with a balance of $60k. My contributions are 6% of salary, and 3% are matched at 100%. My wife has a 403b contributing 5% with a 50% company match, all in growth funds (Fidelity), with a $35k balance. We both have 100k life insurance through our employer.We have no credit card debt and she has $36k remaining in student loans and I have $55k for a degree I have no use for. Mine is at 2.5% and hers is around 4%. One car loan with a year left of $430 payments at 0%. Other car paid for.
My questions:
1) We'd like to move into a single family home because I will be moved to a new location soon, which is closer to her work. 3 bedroom homes generally range from 200-300k in that area. My concern is because of the depressed home values in our neighborhood (specifically the townhome community) we'd be taking a loss on the home around 35k after all is said and done. And who knows how long it would take to sell? Is renting an option? The HOA dues are $130 and we could probably rent for $900~ (booming town and community college nearby), so that is positive cash flow. However I am completely new to owning rental property. What liability would I be taking on and what is recommended for screening tenants? Should I hire a manager/management company?2) My wife suffers from infertility and we have spent $20k on three rounds of IVF to no avail (no insurance coverage despite a very good policy). We are now considering other options, including adoption. We are in the process of reading up on that...is a lawyer necessary? Should we do anything financially to prepare?3) Even though we have no kids or debts, how is our life insurance? Should we supplement with a term life policy (I know whole life and annuity/life blends are frowned upon here)? I know if my wife quits working to take care of potential children that I should get a much higher policy.4) Consider starting an IRA? Anything else we should be worried about?We have significant net income after our mortgage, car, and expenses. Our "guilty pleasures" are good vacations 2-3 times a year. That being said, we have a good amount in checking and savings, as well as a separate 6 month emergency reserve. Vacations will be cut once we have children.

http://www.sportsmansoutdoorsuperstore.com/products2.cfm/ID/2835...Product Description The Custom is now the Custom II, because like most Kimber 1911s it incorporates the Kimber Firing Pin Safety that makes each pistol more secure without impeding performance or altering trigger pull. It has also become a family, with twenty one models in five calibers. LAPD, SWAT Team carries them. So do United States Marines, thousands of law enforcement officers and hundreds of thousands of American shooters who refuse to compromise with either a lesser pistol design or another brand.Kimber Customs are made the right way and from start to finish in the Kimber factory here in America. There is no other way to ensure such a high level of quality.Moderator Comment: This thread had been placed under moderation to keep thread on topic.

Looking for a CC with zero percent introductory rate and no balance transfer fees. I know Slate from Chase does, it but anything else out there who offers it? Best regardsHP

http://www.politico.com/story/2013/04/irs-tax-fraud-90031.html?h... Profile seems to fit FW Heavy hitters. Don't think any of you live in the Aleutians, or West Somerville, Mass, Portersville, Ind, or Mott Haven, NY.People who post in the FW heavy hitters thread are dumber than fence posts. You post a road map for the IRS audit on line for them to see. DIF and FINCEN are waiting for you.

I'm currently a sophomore, nearly a junior. I was just offered an internal audit position co/op position a few days ago at a company that manufactures military vehicle parts. It pays about $13 an hour and they would like to have me on for two years, which is when I would graduate.
I'm an accounting/finance double major but I don't know a whole lot about either subject yet and I'm curious to see what I would be doing. It slightly worries me since I will be the only internal audit co/op person on board.

http://www.cooksgarden.com/about/catalogrequest.jspReserve your new 2013 The Cooks Garden catalog today!
The all new 2013 Cooks Garden catalog features all the best seeds, plants and supplies for gardeners who love to cook and cooks who love to garden.(getting their email newsletter also is optional, but I have a feeling it may have some good recipes)

This evening while checking out at a Von's grocery store in Southern California, the customer in front of me, who had a couple of food items, asked the checker for $200 dollars in cash. After the customer left the line and went over to the store's lottery ticket machine to buy tickets, the box boy asked the check-out clerk how she was able to give him cash. She replied that some EBT programs allow cash to be given back.The checker has been employed at this Von's store for a couple of years so I would imagine she understands what can and cannot be allowed, but I was curious. This article Boston Globe references prosecution for giving cash to the EBT customer. The couple looked to be in their late 50's, and although not visibly disabled in any way, I thought permits there is a disability program that has EBT and doesn't require the cash to be spent on food only.

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.

For anyone who travels to or through Central PA, Travelzoo is offering a B&B sort of deal at the Nittany Lion Inn - Deluxe room or suite, breakfast, bottle of wine, and $25 credit towards dining. It is a really nice facility, and they have great food (and bar).Offer ends in 8 days.LINK Lion

0 Posted By: FatWalletTopDeals
Views: 342 Replies: 0

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For anyone who travels to or through Central PA, Travelzoo is offering a B&B sort of deal at the Nittany Lion Inn - Deluxe room or suite, breakfast, bottle of wine, and $25 credit towards dining. It is a really nice facility, and they have great food (and bar).Offer ends in 8 days.LINK Lion

Just visit http://www.sceniclabs.com/ and use the coupon code "3year20" during checkout.
==It's been 3 years since we launched Scenic Labs and started working on our first batch of BluScenes Blu-ray discs. I wanted to thank you for helping us to get our startup off the ground. It would not have been possible without you. And from my very personal perspective, I literally owe you my livelihood.To celebrate 3 years, we are giving you $20 to spend on our site. No strings. Just a gift. Simply use the code "3year20" and you'll have $20 credit instantly to buy anything on our site. Please feel free to share this code. For example, with this code, HD Basics, our newest release, a re-release of a leading calibration disc that lets you get the best image out of your display, is only $9.95. And, even better, your favorite BluScenes discs are just $5. (Limit one $20 gift per customer).Shipping in the USA is based on USPS rates. There is no set expiration date, but most codes expire within 30 days.We will still stick to our 2-emails-maximum-per-year policy, but will try to offer a similar deal for past customers closer to Black Friday. I apologize for missing Black Friday this year. Our new release wasn't ready until the end of December.Just visit http://www.sceniclabs.com/ and use the coupon code "3year20" during checkout.Thanks for an amazing 3 years, and we hope to continue for many more, even as we recognize that technologies change at a breakneck pace. We truly need to stay on our toes. As always, I look forward to hearing from you, and would love to see photographs of how you are using our discs as well as your ideas about how we can make our products better.And if you are looking for a great gift for the mom, dad or grad who has everything, may I recommend HD Basics (Normally $39.95).Warm Regards,Jason Rosenfeld
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NEW Ipad 4!Breakthrough Retina display.
It's even more than meets the eye.The Retina display on iPad makes everything look crisp and lifelike. Text is razor sharp. Colors are vibrant. Photos and videos are rich with detail. All thanks to its 3.1 million pixels. Its the best mobile display ever.We focused on the big picture, but never lost sight of the details.The most important feature on any iPad is the screen. So for the iPad with Retina display, we wanted to build not just the best iPad display, but the best display on any mobile device. To create a display with over 3 million pixels was an engineering feat in its own right. But we went even further. We designed a camera that could take images as brilliant as the display itself. And we enclosed iPad in a unibody so thin and light, you can take all those pixels with you wherever you go. And they travel beautifully.It's breakthrough technology. For a breakthrough display.In order to create a display with a 2048-by-1536-pixel resolution, we had to design it in a completely new way. Every pixel in a display has multiple signals telling it when to light up. But when you have a lot of pixels and a lot of signals on the same plane, signals get crossed and image quality suffers. To make sure everything on iPad looks crystal clear, Apple engineers elevated the pixels onto a different plane - separating them from the signals. It's technology that's breakthrough. Just like iPad itself.A camera to match the world's best mobile display.Megapixels matter. But the quality of a photo is determined by other things, too - like the camera's optics, image signal processor, and software. The iSight camera uses advanced optics to give you the best picture possible. With an f/2.4 aperture and a five-element lens, it captures light efficiently to produce a sharper and brighter overall image. And the hybrid infrared filter - typically reserved for expensive SLR cameras - keeps out harmful IR light for more accurate, uniform colors.Over 3 million pixels. Less than half an inch thin.Even with so much power built into iPad, it's incredibly thin and light. From the A6X chip to the Retina display, we had to engineer each component to maximize performance while minimizing size and weight. So at just 0.37 inch thin and less than 1.5 pounds, iPad isn't just capable, it's portable, too.A singular device carved from a single piece of aluminum.iPad is sleek, beautiful, and engineered to handle life on the go - thanks in large part to the aluminum unibody. By consolidating many parts into one, everything becomes less complex and far more precise. The result is an iPad that's thin, light, and durable enough for the ins and outs of everyday life.Lightning connectorNot only is the Lightning connector 80 percent smaller than the 30-pin connector, it was designed to be reversible and significantly for durable.The thought and consideration we put into our products go well beyond design.How a product looks and performs matters, but so does its impact on the environment. Thats why nearly every Apple product is made from highly recyclable materials like aluminum, and why we refuse to use harmful toxins in our components.Every iPad is free of brominated flame retardants (BFRs) and polyvinyl chloride (PVC). In fact, Apple has one of the strictest BFR-free and PVC-free standards in the industry. And we expect the same from our suppliers. We go so far as to disassemble our products into individual components and materials in our Cupertino lab. Then we test them using many methods, including X-ray fluorescence spectroscopy and ion chromatography. We do this to ensure that every product we release meets our environmental standards.Powerful A6X chip.
We doubled down on performance.Twice the speed. Twice the graphics performance.The new A6X chip inside iPad is our most powerful mobile chip yet. It delivers up to twice the CPU and graphics performance of the A5X chip. And it makes iPad feel faster and even more responsive. Apps launch instantly and run smoothly. Graphics-intensive games are fluid and lifelike on the gorgeous Retina display. And with improved image signal processing built into the A6X chip, the photos and videos you take with the 5-megapixel iSight camera look sharper and even more Retina worthy.10-hour battery life.iPad features a 3.1-million-pixel Retina display and an advanced processor and graphics. How much of an effect does that have on battery life? Almost none. You still get up to 10 hours of power to read, watch, play, write, and create whatever you want, all you want.Ultrafast wireless.
Make faster connections. The world over.Advanced Wi-Fi technology. Built in.The new Wi-Fi capabilities built into iPad keep you connected faster than ever - up to twice as fast as any previous-generation iPad. With dual-band (2.4GHz and 5GHz) 802.11n Wi-Fi and support for channel bonding, download speeds can reach up to 150 Mbps. Translation: Many of the things you do every day may start to feel a whole lot faster.Next-generation cellular connectivity - up to LTE.If you want to connect to the Internet even when you don't have access to Wi-Fi, choose iPad with Wi-Fi + Cellular. It now supports even more ultrafast cellular networks around the world - including LTE wireless networks6 and other advanced networks such as HSPA, HSPA+, and DC-HSDPA. So you can download content, stream video, and browse the web at amazing speeds - without a contract or long-term commitment.Siri. Your wish is its command.Siri is the intelligent assistant that helps you get things done, just by asking. Talk to Siri as you would to a person: Ask "Do I need an umbrella?" or "Did the Giants win last night?" or "What time is the barbecue on Sunday?" Siri not only understands what you say, it knows what you mean. It figures out the right apps to use to find the right answer. Then, just like a personal assistant, Siri provides you with the information you need.iOS. The world's most advanced mobile operating system.At the core of every iPad, iPhone, or iPod touch is iOS. It includes all the built-in apps you use every day and all the intuitive technology - like Multi-Touch and Siri - that makes iPad so advanced. With every free iOS update comes even more capability for your devices. You'll find the latest version, iOS 6, already installed on iPad. So right out of the box, you get more than 200 new features to make the things you do every day even better.iCloud. Your content. On all your devices.iCloud is built right into iPad. Just turn it on and you'll have instant access to all the things you need, whether you're on your iPad, iPhone, iPod touch, Mac, or PC. New features in iOS 6 let you do even more with iCloud. Share the photos you want with the people you choose using Shared Photo Streams. Locate, lock, and recover your misplaced iPad easier than ever. Browse a web page on one device and pick up where you left off on another device using iCloud Tabs. And that's just for starters.
eBay Coupons

The Option Trader's Hedge Fund: A Business Framework for Trading Equity and Index Options [Kindle Edition]Digital List Price: $49.99
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Heads up: far Cry 3: Blood Dragon will be free for anyone who redeemed an AMD Never Settle Reloaded Coupon according to a Tweet this morning from AMD. Good stuff, I would have totally bought this, but getting it for free is even better.AMD is really killing it with their free game deals on their videocard line.https://twitter.com/AMDRadeon/status/322379809554587648

Set of 5 Rampage Brights Cotton Towels - Six Colors to Choose for $35http://www.yourbestdeals.com/Deal.aspx?DealID=6474$35 for a Set of 5 Rampage Brights Cotton Towels - Six Colors to Choose. +$6.97 shipping. Linen closet looking a little blah? About time you freshened up your sheets and towels to reflect your inner sartorial sass. These linens are made for the femme fatale who puts a heavy premium on luxury and style. Includes: 2 bath towels, 1 hand towel, 2 wash cloths Material: Cotton Washing instructions: Machine washable
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I am thinking about doing the Penfed 5/5, but wanted to double check my math. We are planning on staying in this house long term (but have owned 4 houses in the last 10 years, so who knows when we will change our minds Rates have to go up long term, but Penfed's latest offer really has me intrigued and the math looks pretty good. My current 30yr fixed is @3.25% and Penfed is offering their 5/5 for 2.375% (once all the credits/fees are factored in its basically no cost)I can't find any 5/5 vs fixed calculators (they are all 5/1)- anyone know of one?When I run the numbers it appears assuming worst case adjustments it would be about 10 years before it could mathmatically be a worse decision. I also noticed that even assuming worst case scenario on the 5/5 at no time does the actual mortgage balance get larger than the 30 year (not sure if my math is right here)

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0 Posted By: FatWallette
Views: 18 Replies: 0



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In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.

In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest in the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from your confidence in the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.

I recently signed up to get my FICO score every month through my bank. The first report came in last week and it was surprisingly good. I'm only down about 10 points from when I bought my house.Last week I also got a Prosper.com loan offer. I've been thinking about consolidating some cards so I checked it out today...and got denied on the basis of my credit score not meeting their required minimum. Aside from the questions of why anybody would seek out alternative lenders if their credit was good enough to go to a bank or why they'd send anything to people whose scores they knew were bad...How can my bank go through Experian and get a score 60 points higher than what Prosper says it got through Experian?

I know that FWF isn't a housing board, but since there are so many people here who follow real estate I figured I'd ask.The situation is: my GF is starting a job as an assistant professor at one of the colleges in Davie FL. We're headed down next week to look into housing, and I've been doing a lot of research online in advance.First: I thought the housing market crashed in south FL. You certainly can't tell by the rent prices! 1BR apts seem quite expensive at 1K/mo+ near the colleges. She's trying to avoid commutes, so walking/biking distance is what we're looking for, but a short drive is OK too if it will save significant money. However, it seems silly to spend 30 min in the car each day, so long commutes are out of the question (I just can't think of a good reason to not live close to work). We're not sure how long she will be in FL, since I will be graduating with my PhD in about 2 years, and want to leave ourselves open to a national job search for both of us considering how academia is these days. So, renting seems to be the smart choice, correct? Does anyone have any advice on finding good deals around Davie? Her starting salary is ~60k and I cringe at the idea of spending 25% of her income on rent; we've had roommate issues over the past few years, so I don't think that's an options he'd consider especially considering that most of the room-renters in the area may be students at her college.Second: I know that eventually I want to start investing in rental properties. I've got the skills to do house maint. and minor construction work myself, but I have never lived in a climate like FL so I have a lot of research to do before I would consider buying a rental property. However, the rents in the Ft. Lauderdale area seem crazy high compared to the housing prices. Is there something I'm missing? Should I be looking in to this further? (I can post this question in the RE thread, if that would be more appropriate).No pics of GF, but maybe some green for not making a new UN?

I found Diablo III on sale for $39.99 down from $59.99 today when I was looking through Target today. Not that great of a price but better than shelling out full retail. Feel free to chime in this thread if you are aware of a better price. The lowest this game has ever been is $10 and Micro Center had it for $20 at one time. $40 is so-so but possibly a good deal for those who need it and are still waiting.

Here is the current situation that I am facing. I have 2 options 1) to buy a townhome 1250 sq ft brand new which will be completed in august-october range for around 113k and 2) buy a condo near a university with 4 bed 4 bath for around 101k and it currently has renters in it who pay around 1200 per month. The appreciation potential for the condo is not as high as that of the townhome. The HOA for townhome is 135 adn condo is 150 so very similar. The condo comes off as a property with good cash flow and townhome will fetch around 900$ which would still make it a positive cash flow but not as much. Also, the condo is much older where as the town home is brand new. I am not sure what would be a better option to buy. I have heard financing for condos is much more difficult. I appreciate all the feedback.
Thanks

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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"

From Politico --Borrowers eligible for compensation over past foreclosure abuses will be receiving checks starting Friday, the Federal Reserve and Office of the Comptroller of the Currency announced today. In January, the agencies struck a deal with 13 banks that service mortgages to send $3.6 billion to 4.2 million borrowers whose foreclosure cases were part of a review process created by earlier April 2011 settlement. Borrowers will receive anywhere from $300 to $125,000 depending on what problems arose during their foreclosure.The agencies said that the checks would be sent out in waves and that 90 percent of the payments for customers at 11 of the 13 banks should be in the mail by the end of the month. Payment details for borrowers whose mortgages were serviced by Goldman Sachs and Morgan Stanley will be announced soon, the agencies said.The foreclosure settlement has drawn intense interest from Congress as some lawmakers have expressed concerns that borrowers will not receive a fair deal. A Senate Banking subcommittee will hold a hearing Thursday on the settlement.

Only guranteed FREE at time of posting (check price before ordering, they change)! All have 4-5 stars or are so new they don't have ratings. A variety of genres in the hope you'll find something you'll enjoy!Murder Behind the Closet Door, Abridged, Book One (Detective Bill Riggins Paranormal Mysteries) by Christopher Pinto (Mar 20, 2013) - Kindle eBook
LinkEdited for a faster read! Over 100 pages eliminated from the original, for those who would rather "get to the point". Book One of a Condensed Trilogy.The Original "Murder Behind the Closet Door" is filled with side-stories, literary descriptions and character depth that not all readers find as interesting and thrilling as other. This condensed trilogy is for you! The Story:
"A 5-Star rated murder mystery - ghost story full of adventure, the occult, and dark souls, Murder Behind The Closet Door is an excellent novel for anyone who appreciates Noir fiction, Mickey Spillane-style mysteries and a Stephen King-style thriller wrapped up in one truly original, well told story."(Note: This book contains sex, strong language, violence, and very scary situations. Not for the timid. If it were a movie, the rating would be NC-17. It is a book written for people who love to fall deeper and deeper into a layered mystery. Reading this book is an adventure.)A dilapidated house with an evil secret in the basement. An auto-wrecking yard with the devious, rusted remains of a murderer's getaway car. An unsolved bank robbery with hundreds of thousands of dollars never found. A detective trying to solve an age old murder before his ticker runs out. A slow, agonizing death for an unfortunate victim and his soul reaching from beyond... "Murder Behind The Closet Door" is a murder murder mystery ghost story that keeps you engaged and guessing from the first paragraph. Creepy, riveting, this mystery-ghost story reveals another existence, one just beyond our own, where the occult and the paranormal meet reality and everyday people find themselves swept into very extraordinary circumstances. The story is set in Ocean City and Wildwood, NJ during the late 1970s (with flashbacks to the '30s & '50s), and centers around a young woman who begins her career marketing an amusement pier on the world-famous Wildwood Boardwalk on the Jersey Shore. Just as Heather's adult life really begins to blossom, her torment begins. Not long after moving into a 70 year-old rooming house, Heather's mundane life takes an uncontrolled turn toward insanity. Although she refuses to acknowledge her ghost, a mysterious entity begins to taunt her, an entity impetuously determined to contact her through her bedroom closet. At first these mild encounters are merely disturbing.... Aspirations of a life of quaint mediocrity vanish as she and her friends try to discover the Motives of her tormentor, finding that the truths in which she believed her entire life had been nothing but an elaborate veneer. As Heather falls deeper into the mystery, she finds the physical world around her is much stranger - and more terrifying - than she could ever have imagined.What's missing from the original?
Several "side" stories, including life in Wildwood, NJ in the late 1970s, interesting tales of the characters, and individual charachters' thoughts and revelations. The author, and most readers who enjoy longer books, find these add a considerable amount of "likability" to the book. However, at Stardust Publishing realize that many people in today's fast-paced world would rather cut to the chase. This series does just that, concentrating on the action, without some of the humorous or interesting details.
================================================You Can Have a Healthier Lifestyle with Mediterranean Diet Secrets by Marc Holden (Mar 20, 2013) - Kindle eBook
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And MUCH MORE!
======================================17 Muffins in 7 Steps by Aya Saffouri and Jim Yaghi (Apr 4, 2013) - Kindle eBook
Link17 fun, delicious and easy muffin recipes, with 5 quick frostings and 7 useful tips to introduce your teen or tween to the world of BAKING! This will make a great birthday gift for your girl. Muffins are tasty, Muffins are sweet, They're my favorite food to eat. Blueberry, banana nut, hazelnut berry and Oreo. These yummy muffins are quick and easy to make, and a truly healthy treat.
================================================77 Dinner Recipes From Around The Globe by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"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...,
=================================================48 Breads And Muffins Recipes: Simple, Authentic and Traditional by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"48 Breads And Muffins Recipes: Simple, Authentic and Traditional" containing 48 simple, authentic and traditional Breads and Muffins recipes: Milk bread, Graham bread, Sweet loaf, Shredded wheat bread, Corn bread, Oatmeal bread. Brown bread, Titusville brown bread, Nut bread, Raised muffins, New england blueberry muffins, Date muffins, Western muffins, Lunch rolls, Coffee cake, Coffee muffins, Apple gems, Beaten biscuits, Southern recipe, Bannocks, Batter bread, Rice muffins, Lunch muffins, Saratoga corn cakes and many more...
=================================================Cake Recipes for Dummies by Descubriendo Apps (Apr 6, 2013) - Kindle eBook
http://www.amazon.com/Cake-Recipes-for-Dummies-ebook/dp/B00C8WN2NU/ref=sr_1_34?s=digital-text&ie=UTF8&qid=1365500188&sr=1-34Surprise your family and friends with our delicious desserts.Learn step by step how to create more than 20 different recipes in an easy and fast way.Table ContentFunfetti Dump Cake
Candy Cane Dump Cake
Triple Chocolate Pudding Dump Cake
Angel Food Dump Cake
Chocolate Coconut Dump Cake
Tropical Coconut Dump Cake
Pineapple Orange Dump Cake
Apple Caramel Dump Cake
Chocolate Pumpkin Dump Cake
Strawberry Pineapple Dump Cake
Peach Blueberry Dump Cake
Fruit Cocktail Dump Cake
Lemon Dump CakeAND MORE......
==========================================Georgiana Darcy's Diary: Jane Austen's Pride and Prejudice continued (Pride and Prejudice Chronicles) by Anna Elliott and Laura Masselos (Apr 20, 2011) - Kindle eBook
LinkMr. Darcy's younger sister searches for her own happily-ever-after... The year is 1814, and it's springtime at Pemberley. Elizabeth and Mr. Darcy have married. But now a new romance is in the air, along with high fashion, elegant manners, scandal, deception, and the wonderful hope of a true and lasting love. Shy Georgiana Darcy has been content to remain unmarried, living with her brother and his new bride. But Elizabeth and Darcy's fairy-tale love reminds Georgiana daily that she has found no true love of her own. And perhaps never will, for she is convinced the one man she secretly cares for will never love her in return. Georgiana's domineering aunt, Lady Catherine de Bourgh, has determined that Georgiana shall marry, and has a list of eligible bachelors in mind. But which of the suitors are sincere, and which are merely interested in Georgiana's fortune? Georgiana must learn to trust her heart--and rely on her courage, for she also faces the return of the man who could ruin her reputation and spoil a happy ending, just when it finally lies within her grasp.
===========================================================I am the Great Horse by Katherine Roberts (Jan 9, 2013) - Kindle eBook
LinkClimb on my back, if you dare, and let ME carry you into the battles that changed the world!So speaks Alexander the Great's bold black stallion Bucephalas, one of the most famous horses of the ancient world, as he recounts their epic journey from Macedonia, across Persia and over the Himalayas into India, straight from the horse's mouth.In the tradition of Michael Morpurgos "War Horse" and Anna Sewell's "Black Beauty", this mixture of fiction and history will appeal to readers looking for a lively account of the legends surrounding Alexander of Macedon and the men and women who followed him to the ends of the earth.Originally published in hardcover by Scholastic US and in paperback by Chicken House UK, the ebook includes an illustrated map of Bucephalas hoofprints by artist Brian Sanders.
=======================================================A Trio of Irish Tales (Trio Tales) by Judith Cullen and Micki McIntyre (Mar 5, 2013) - Kindle eBook
LinkMeet Ireland's legendary "Man of the Mists", experience the life of one woman through a sacred oak tree, or delight in the old-world vs new-world clash between an annoyed pooka and a digitally savvy teenager. In this first volume of the "Trio Tales" series, author Judith Cullen celebrates her heritage inspired by family and friends, and she even invites the fairies out to dance.
==========================================================God Painted Us a Rainbow by Katrina Streza and Lisa Graves (Mar 26, 2013) - Kindle eBook (Childrens)
Link Celebrate the beauty of God's creation!
In this rhyming picture book, children learn to thank God for all types of days. Rainy, sunny, foggy or clear, there is so much beauty to be shared. Charming illustrations bring this fun and important concept to life for toddlers, preschoolers and kindergarteners. A perfect addition to a Christian education unit on weather, seasons, or the changing times of day.===================================================================Abc's of Baseball - A Children's Picture Alphabet Rhyming Book about the great game of Baseball (Baby-3) by ANTOINE CAMERON and Michael Golez (Mar 12, 2013) - Kindle eBook
LinkThis baseball rhyming book is great for any toddler learning their abc's and they will get to learn about baseball as well. The book is a rhyming book with 26 beautifully illustrated pictures by Michael Golez. The author Antoine Cameron also has close ties to the game of baseball since he played pro for the Chicago Cubs. You child will enjoy learning his or her abc's as well as the beautiful pictures.
================================================The Alphabet Book of Animals - Easy Ways to Learn the ABCs by Chris Q Sheridan and Booka Booka Publishing (Feb 26, 2013) - Kindle eBook
Link Easy Way to Learn the ABCs BooksIntroducing your child to the alphabet - from ABC to XYZ - in a fabulous way. Explore the alphabet with your child in this exciting animal alphabet book. This animal picture book will capture your childs curiosity about the animal kingdom and the world around him, while he gets his abc learning on. Filled with vibrant, captivating photos of animals from A to Z, it includes the common animals that your child can recognize in her everyday life, as well as the more exotic to engage her in wonder and develop her curiosity. They can all say cat or dog but wont you be proud as she showcases her knowledge when shes the first kid in her preschool to say ibex or koala.Join them on their quest to learn the alphabet as they discover all kinds of wild and domestic life starting with different letters. While learning their ABCs, they will also be exploring the natural world and developing an appreciation for the wide assortment of creatures that roam the earth.Educational and enticing on all fronts, you can also use this as one of the more vibrant abc books in your collection. Use it as a guide to introduce your child to shapes, textures, patterns and colors. From the vibrantly bright green tree frog to the spots/squares on the sleek head and neck of the jaguar to the fuzzy yet regal face of the lion to the striking and mind-twisting, eye-crossing stripes of the zebratake your child on a fascinating trip around the animal kingdom.The book not only lets you share precious bonding time with your child as you explore the animals together, but can be used by parents, grandparents, day care providers, teachers and therapists to lay an early foundation for good observational skills.
================================================================The Amazing Animal Superbook by Tarrant Brothers (Mar 2, 2013) - Kindle eBook
LinkDid you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
====================================================Easy Minecraft House Designs: House Design Ideas, Blueprints, Instructions, and More! (Easy Minecraft Guides) by John Alexander (Mar 23, 2013) - Kindle eBook
Link Minecraft is a game of immense possibility, easy to start but hard to master. These Minecraft house designs are intended to TEACH the fundamentals of building different types of structures. You will learn how to:
- Build fences, doors, stairs, skylights, courtyards, ladders, trapdoors, and more!
- Build basic shelters like igloos, caves, and treehouses
- Build simple one room houses, cabins, and ranches
- Build L-shaped houses and houses with porches
- Build multi-story homes
- Build townhouses and motels
- Build towers and lighthouses
- Build fortresses and castles
- Build house-boats
- Build bunkers
- And more!This guide teaches you the basic builds, but leaves the exact customization up to you! Once you know how to build off of these designs, there is nothing you cannot build within Minecraft.
==========================================Growing Up Wired by David Wallace Fleming (Mar 28, 2013) - Kindle eBook
LinkHow will relationships change in the age of the internet?Victor likes to admire his girlfriends' online pictures. These girls can't seem to stop posting self shots to Facebook and all the social sites. Soon all the young men in his fraternity are competing for the attention of these online, amateur pinups.
The classic problems of maturity are complicated for Victor by a set of new challenges. He struggles with smartphones, text-game, recreational pharmaceuticals, sexual guilt, porn addiction, reversed gender roles and a motley crew of well-meaning yet misguided mentors. The technological quandaries get even more confusing in the maelstrom of booze, drugs and social competition. He gets in fights, pops pills and embarks on a quest to learn why young women post so many pics and why guys can't stop themselves from looking? He might just find a young, willful woman to fall in love with - on both sides of the camera. Throughout these discoveries, he wonders: What kind of love is this? ... the wired kind.
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My Lucky Groom (Summer Grooms Series) by Ginny Baird (Apr 4, 2013) - Kindle eBook
LinkIf you liked the HOLIDAY BRIDES, get ready for the SUMMER GROOMS...
MY LUCKY GROOM (A Romantic Comedy Novella)
Book 2 in Ginny's Summer Grooms Series.A story about following your heart and finding your destiny.A superstitious fortune cookie collector finds love and adventure in Washington, DC.MY LUCKY GROOMFollow your fate... It might just lead to the romance of a lifetime!Superstitious fortune cookie collector Ventura Hart has embarked on a new adventure in Washington, DC. Armed with a masters degree in writing, she has ambitions of working for a major news publication. But the job market is tight, and after a while Ventura realizes she can't be that picky. When she meets a handsome young bachelor in need of a nanny, she thinks she's found a temporary solution. Little does Ventura know, she's headed down a new path that will lead to more than she's ever hoped for.Single dad Richard Blake is at his wits' end trying to secure help for his mischievous five-year-old twins. Known as DC's most eligible bachelor, the entrepreneurial magazine editor never imagines he'll fall for the one woman he's sure he can't have. She looks after his kids and has a boyfriend to boot. So his attraction to her is beside the point. But when Ventura becomes enmeshed in his family and Richard finds himself losing his heart, is there a way to secure a happy ending? It could all depend on a little bit of luck, and a whole lot of destiny.A sweet, traditional PG-rated romantic comedy.
Standard novella-length, approximately 30,000 words.
=================================================No Mud, No Lotus by Maya Yonika and Ben Jayston (Mar 13, 2013) - Kindle eBook
LinkNo Mud, No Lotus is a humorous but gritty journey out of substance addiction and sexual trauma and into Sacred Sex and Neo-Tantra! Its the raw, honest, and intimate biography of a Maya who stars in a controversial documentary film about Tantra: Code name "Tantric Seduction, the Dance of Maya."
This isnt the usual life story of a Sacred Sexual, Tantric practitioner, filled with New Age lingo and promises of ecstatic sexual Bliss. Rather, its the genuine, real account of a regular girl who seeks emotional and psychological healing from a past of sexual trauma, abuse, and addictions. No Mud, No Lotus chronicles Mayas determined journey to find depth and meaning within love, sex and relationships.
It also tells the story of Father Ron who believes its Mayas destiny to stand at his side as a Sacred sexual healer, and invites Maya to travel the world with him as his mate and to teach Tantra. Together, they go to places where the lines between black and white, shadow and light, the sacred and the profane become maddeningly unclear and contradictory. But Mayas past already endowed her with strength and a critical eyeassets she didnt know she had-- which serve as her beacon of truth as she negotiates the darkened maze that is Neo-Tantra as practiced in sexually over-charged New Age circles.
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So I'm not sure who is at fault here, or if I am just not understanding what is happening inside TurboTax.I spoke with my investment advisor about rolling over/converting my wife's 401K from her old job into her Roth IRA.We had already made her Roth $5K contribution at the beginning of the year so initially I thought she couldn't contribute anymore - like move this 401k into it. Our advisor told us the following:"She can move as much of the 401k to the Roth IRA without it being counted as a Roth IRA "contribution" as long as what is moved qualifies as an eligible rollover distribution. This movement from the regular 401k to her Roth IRA is called a conversion. There's no "penalty" for conversion and there's no limit on the conversion amount, but you have to add the converted amount to the income you put on your tax return so you'll end up owing taxes on the amount you converted. We can help you undo any of the Roth IRA Contributions you've made for 2012, but, unless there's something about her 401k that makes it ineligible for rollover, there's nothing about the 401k conversion to a Roth IRA that affects the Roth IRA contribution amount allowed."This made sense at the time and I was told to fill out the Plan Distribution Form from her 401k holder and choose to make it a "Direct Rollover to an IRA" and then select that it is a "Roth IRA".However, when looking at the 1099-R that she was sent from the 401K holder they list the distribution code as "G" ("other than a designated Roth").When I feed all this info into TurboTax it ends up listing this distribution as a pension and it doesn't appear we are paying taxes on it.
I would think that since we converted it from a 401K to a ROTH, that we would have to pay taxes on this amount.Is what seems to be wrong here that the 401K provider mis-coded the 1099-R (or somehow I checked off the wrong things for it)? Hopefully the info from my advisor was correct and this is just a 1099-R that needs correcting.Should we just contact the 401K provider - or is something else problematic here?Thanks!

Evening Everyone,I'm wanting a little bit of advice; basically - I'm unfamiliar with the best way to save my money and think long term with it.A bit of background info:- I'm 24 Years Old, with no debt
- I rent an apartment here in Seattle with rent at $1150
- My salary is $95,000
- My current savings is $40,000I worked hard, but I guess I got a lot of luck on the way and fortunate to date as I know a lot of friends who also worked hard who haven't been quite as fortunate. That said, I know life isn't all rosey and I need to prepare for the ups and downs that are inevitable. All my savings and salary is going to a checking account and sitting there obtaining minimal interest. Yet i know very little about banking here in the US (originally from the UK).So some questions would be;- Should I get a financial advisor to manage my money?
- What websites do people recommend to see the latest news, insight and recommendations on personal finance
- Should I be exploring stocks and try to learn that if I have not done in previously
- What else should I look at opening, other accounts such as Roth etc.?I have no real outgoings, nor do i have any upcoming expenses or saving goals. I'm not sure how long I want to be in Seattle nor do I want to buy a house or anything right now. So I just need to be wise; but I can commit a fair chunk of many a way for a few years to get better rates; and I can also afford to give a chunk of my pay check to some sort of re-occuring payments.Where do I go to learn these life skills!! Thanks for anyone who helps, appreciate it. I was inspired after seeing a somewhat similar post here through google when I was looking for advice earlier today.Thanks

purchased a car from a private owner who buys cars at auction and i put 1000 down and another 500..... i pay 115 a week..i have paid over 3400 on car..total purchase of car is 6500....i come out and car is gone from my apartment complex..car purchased in cali now im in las vegas...i called police to report stolen and they said car was reposed but insurance is paid and car is paid up to date so i dont know what to do and he wont return my calls.I have contract he made up.we both signed it.says after 30 days he can repossess car if no payments but i make weekly payments so i dont know what to do

Money is involved but obviously more than money is at stake. I'm willing to take my loss, provided only that it be limited to the amount I spent for the eBay item I bought, plus cost to return. But my jeopardy, if I do the right thing, could balloon well beyond that.It's not uncommon, on eBay, to see items with engraved SS numbers. These most often are estate sale finds being re-sold on the Bay. In my experience the seller discloses that the item up for auction has the engraved SS number.The ad for an item I won contained no such disclosure. When the item, with engraved SS number, arrived several weeks ago I (it turns out, wrongly) assumed it was such an estate sale item. I failed, until last evening, to run my usual check. When I did finally check the SSDI database, here:SSDI accessI was alarmed to find the SS number on my item is apparently that of a living person. This obviously means my item could be stolen.Contacting the seller, if it's a stolen item, probably would not be fruitful. And I've no way to trace the SS number of a living person (if the person is deceased their name pops up instantly when you do an SSDI search).The seller is distant and out of state. Should I just pack up the item and send it to the police where the seller lives, along with an explanation and documentation? I want to do the honest thing, but only up to a point. I would not want to have to travel to the seller's home state to be interviewed by police or testify at trial. The loss to me, in terms of time and travel expense, would just be too great, and would be far greater than the cost of the item I won.Easiest would be if I could contact directly the person whose SS number appears on my item. If it's stolen I'd just return the item at my expense and take my loss (win a few, lose a few). But I don't know how to obtain the person's contact information.

link:
http://www.amazon.com/Seven-Unholy-Days-ebook/dp/B00C4YXN36/Storyline:
Matt Decker is a celebrity geek, designer of the nations futuristic new power grid and a hero for lowering electric bills across the land. Hes a talk show favorite, rich, and living the American dream. Until the power fails, everywhere, throwing the techno-dependent United States into chaos.Deckers impenetrable systems have been breached in the worst way, and its just the beginning. The country is under attack from Abraham Hart, an eccentric and unstable man with nearly unlimited resources, a man who believes himself to be a bizarre hybrid of Christ and Antichrist. Hart delivers a new attack each day as he works his way through his own personal version of Revelations famed seven seals, and he makes it personal between him and Decker.

The Shave Like A Man Sample Pack $7http://www.shave-like-a-man.com/sampler.htmOne of the most common product requests I get is for a sample pack. I've always felt it was unnecessary because this site allows you to build your own sample pack, but who am I to say no to my customers? So in response to the demand, I've put together a sample pack of 50 blades. This sample pack has 5 different blades and you get 10 blades of each.Big Ben Super Stainless (2 packs)(10 blades)
7am Hi Platinum (2 packs) (10 blades)
Astra Superior Platinum (2 packs)(10 blades)
SuperMax Super Stainless (2 packs) (10 blades)
Laser Ultra (1 pack) (10 blades)

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.

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.

I Have No Need For Google I Have Teenagers Who Know It All T-Shirt for $6.99https://www.tanga.com/deals/7d61d936e8/i-have-no-need-for-google...They know more about life experiences than me too!
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Tanga Coupons

Since so many people on here have such good credit ratings. I hope you can help me out. I don't have the time to work on my credit but have seen several credit repair companies who I can pay to clean it up. Can you please reccommend the best company out there with the best results. I know alot of you reccommend me fixing my credit myself, but I don't have the time and don't mind paying for a reputable company to do it. Thanks

New to this site but had read prior topics on post bachelor degrees here and wanted to ask something specific to my scenario.I got my undergrad degree from a Midwest state University, majoring in Finance and International Business. Got a job for a large manufacturing company as an accountant/financial analyst and have been working there for close to two years. I've know I wanted to get an MBA for awhile, but wanted to put in more years of experience before that. The company I'm working for is possibly looking to promote to a position within Portland for a few years, which I'm willing to do, but while I'm out there I'd like to do a part time program for school and take advantage of the area (where I'm located currently, there are no options for schooling). Aside from some state schools out there offering Masters in Econ or Finance, there's not much of interest related to finance specifically. However Portland is home to Lewis and Clark College and offers a reputable part time law program, and specifically business law certification.On top of this my father currently runs his own law firm and does pretty well for himself, and my parents recently had a conversation with my brothers and I about what he's going to do with the business when he dies/retires. Currently he can't legally transfer ownership of a law firm to someone without a law degree. My brothers are in engineering and web design, so they have no desire for law school. Which leaves me. I really don't want to ever be a lawyer, I like corporate finance and dealing with strategic business decisions, however I'd also hate to see my Dad's firm dissolve.So I guess what I'm asking is a law degree beneficial to someone in business who isn't trying to become a lawyer? Is it worth it to take on ~$100K in debt without necessarily seeing a huge pay increase? Anyone have experience in this?

I go into my local Costco store to grab 12 gift cards ($100 in value for $79.99) for my vacation but they tell me at the front desk that theyve pulled the cards???? What the heck?? For the last 3 years I have used Vegas.com gift cards & now no more! BOO! I'm not sure who to blame, Costco or Vegas.com but I'm writing both. UGH! Rant over

Don't Try to Stop Stuttering...REPLACE IT! [Kindle Edition]Michael Williams (Author)]http://www.amazon.com/Dont-Try-Stop-Stuttering-REPLACE-ebook/dp/...Book Description
Publication Date: April 4, 2013
Stuttering Treatment: How to Stop StutteringThe logical and traditional way to approach stuttering is to try to treat, stop, overcome or manage it. The only problem is, this way often does not work. This guide will present to you another view, one that I think you'll find far more effective and successful in helping you achieve your fluency and life goals.You know that you are capable of being, doing and having more. You know that you are intelligent and are able or want to be able to contribute more to your job, class, family, community and world. But, something has been holding you back. You've felt limited, even controlled by stuttering. Well, the great news is that you can learn to start speaking more smoothly, fluently and confidently, but only IF you approach it from a completely different direction.My name is Michael Williams and I'm the founder of The Start Speaking Training Center and the PRO90D Speech System, and I stuttered for over 20 years. In this guide, I'm going to share with you no only how I have used stuttering as a springboard to excellent speech, but, how I am helping thousands of people around the globe do the same.If you are truly ready to make a change, and have an open mind, I believe you WILL find something in this guide that will truly transform your entire life. And, I don't say that lightly. This guide contains the pure essence of all of the techniques and strategies I use everyday to help people just like you unlock their speaking potential. This is not hype, or theory. The information contained in this guide is based on Neuroscience, Neuroplasticity, Accelerated Learning Strategies, and real life experience. May this guide be a true blessing to you and everyone your life touches.
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5 Keys to Doing Business With The Right People [Kindle Edition]colin myles (Author)]http://www.amazon.com/Doing-Business-Right-People-ebook/dp/B00BU...Book Description
Publication Date: March 14, 2013
In the 5 Keys to Doing Business with The Right People, author Colin Myles shares the fundementals for dealing with people and companies in business. With time tested and proven keys, Colin reveals a five step excercise to assist you make better choice and decisions, when it comes to spending your money.
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How To Be Successful: 21 Things the Most Successful People Don't Do After Getting Up! [Kindle Edition]Joe Allen (Author), David Donaldson (Author)]http://www.amazon.com/How-To-Be-Successful-ebook/dp/B008NU5F5O/Book Description
Publication Date: July 21, 2012
Do you know why some people are more successful than others? How come some people are earning more than you even they are not smarter than you? Why some people are living in a better life?Well...if you are seeking the answers, one of the reasons is that the most successful people do things differently. By doing things differently, you get different result.You could be like them, too; if you act like them. How?In "How To Be Successful: 21 Things the Most Successful People Dont Do After Getting Up! ", you'll learn the things that the most successful people don't do after they get up from bed, and what you could learn from them.Morning time is the most precious time in a day, the most successful people know how to utilized that time to maximize their day. Success has no secrets, it has patterns. Intimating what the most successful people do is just one method you could learn.Get this book today to know what you shouldn't be doing in the morning after getting up, and how you could benefit from it and start to live in a better life.
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Blood Type Diet [Kindle Edition]Valerie Lewis (Author)]http://www.amazon.com/Blood-Type-Diet-ebook/dp/B00C4W6CJ0/Book Description
Publication Date: March 31, 2013
Blood Type DietFeaturing Blood Type RecipesA blood type diet is one in which you aim to eat the right foods for your type of blood. Four different blood types determine the blood type diet food list. The blood types diet covers type O, A, and AB. The thought is that blood types and diet plays a major role in the health of the person. Each blood type has specific foods that are allowed and not allowed for consumption. Peter D'Adamo who pioneered the diet plan bases the diet plan very much on the book and research. He fully believes that blood type and diet are directly related and we should consume foods or diets for blood types to match each person.This book has an information section explaining all about the blood type diets, the theory behind the thought and goes over the foods list. The largest part of the book covers actual recipes for each blood type, type O, type A, and type AB. Each recipe section contains appetizers, desserts, breads, main dishes, and side dishes. Many of the recipes can be interchanged with some or all of the other blood types. Paying attention to the allowable and not allowable foods list helps to determine which recipes can go best with each blood type. The recipes in this book cover specifically for each blood type for quick and easy reference.Here are a sampling of the recipes for type O blood: Cheese Ball with Herbs, Sugar Cookies, Rye Bread, and Meat Loaf. Type A blood: Sardine Salad Spread, Fudge Cookies, Buttermilk Biscuits, Italian Chicken Breasts and Rice Stuffing. Type B blood: Meatballs A La Turkey, CranNut Cake, Fried Chicken Steak, and Green Beets. Type AB blood: Veggies and Goat Cheese Dip, Risotto Tomato Rice, Chicken Curry, Nutty Baked Yellow Delicious Apples, and Zucchini Bread.___________________________________________________________________________________________Double Your Productivity: How To Get More Done In Less Time [Kindle Edition]Victor L. Fox (Author)]http://www.amazon.com/Double-Your-Productivity-More-ebook/dp/B00...Book Description
Publication Date: April 4, 2013
You'll Be Amazed How Easy It Is To Achieve Your Goals In Half The Time!Do you often wonder how some people can get twice as much work done in a smaller time frame than you? Were these people born with higher energy levels and laser beam focus?Of course the answer is no. However, they do have the right tools, techniques, and strategies that allow their minds, bodies, and emotions to perform at a higher level.The good news is that all these things can be learned and replicated quickly. In fact, you can double your productivity in as little as 30 days.Did you know that most people restrain themselves from performing anywhere near as well as their minds and bodies were naturally designed to perform? Most people believe that productivity is all about prioritizing your tasks throughout the day, but in reality there is a lot more to it than that.The highest level of productivity is like a triangle where all sides support each other. High productivity requires your mind, body, and emotions to work together in a triangular fashion. Every time one of those three elements is out of place, a significant drop-off in productivity will occur. Therefore, you must calibrate each one of those elements for optimal performance.This book will walk you through the intricate process of fine-tuning each one of those areas. Once you mind, body, and emotions are in complete alignment with your goals and desires you will:- Get more work done in less time.
- Enjoy a state of flow while working.
- Hove more time for friends and family.
- Exceed everyone's expectations.
- Improve the quality of your work.
- Blast through projects that used to be difficult.
- Make everyone admire your work ethic and beg you to share your secrets.If I Could Do It, You Can Do It!I've always had big dreams and aspirations, but every time I went after my goals I ended up feeling like I overestimated my abilities. I frequently found myself struggling to meet deadlines, and the harder I worked the more exhausted I felt mentally, physically, and emotionally.Eventually I realize that I wouldn't be able to sustain this kind of workload much longer. That's when I decided that finding a solution to my problem was a must.I started reading tons of books on time management and productivity. Soon I had a lot of useful information. Some things worked better than others, but I was still not getting the kind of results that I wanted.Finally, I realized that it was probably a good idea to ask someone whose work ethic I admired. I wanted to see if they'd be willing to share some of their knowledge with me. I found one individual who was happy to share exactly the kind of information I was looking for. He explained his entire productivity system to me in detail. He said that if I followed everything he taught me, I would double my productivity very quickly. To my amazement, everything worked out just like he said it would.Now I want to share this information with you. And, I want to do it without giving you any useless filler. I don't have time for it and I know you don't either. Here's a taste of what you will learn inside this book:- How one master success ritual can blow open your floodgates of flow, creativity, and productivity.
- How to annihilate distractions once and for all.
- How you can quickly and easily improve your ability to focus and use it to skyrocket your productivity.
- A time management system that aligns with your natural inner clock.
- How to make your mind and body re-energize faster than you ever thought possible.
- And much more!Imagine yourself producing better quality of work in half the time it used to take you. And, you'll get to enjoy your work a lot more. After applying the methods in this book you will be amazed with how easy it is to double your productivity.So take action. Get your copy now, improve your productivity, and reach your goals faster than you ever thought was possible.______________________________________________________________________________________________________
At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day (Just Do Yoga) [Kindle Edition]Julie Schoen (Author), Little Pearl (Author)]http://www.amazon.com/At-Office-Yoga-Bodies-ebook/dp/B00C7WW2XC/Book Description
Publication Date: April 4, 2013
You work hard all day! Don't you deserve a break?Recent studies have proven that sitting for extended periods of time throughout the work day is more than just uncomfortable and boring, it is detrimental to your health! To help combat dangerous side effects of sedentary lifestyles, like obesity, heart disease, depression, and diabetes, you need to move throughout your day -- a lot!At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day shows you how simple doing yoga at work (and before and after) really can be. And it's so good for you too! Practicing yoga throughout the work day will: Increase Metabolism
Improve Posture
Prevent and Manage Carpal Tunnel Syndrome
Decrease Stress and Moodiness
Boost Energy and Productivity
Help You Feel Comfortable, Confident, and Awesome! Julie Schoen, professional yoga teacher based in New Mexico, guides you through three carefully crafted yoga sequences that are designed specifically to help keep you in tip top shape both mentally and physically while at work.The 7th installment of her popular Just Do Yoga series, Schoen's humor, detailed instruction, and beautiful color photographs make this yoga guide one you will return to again and again, beginners to advanced yogis welcome!Make The Best Of Your Work Day Today -- Buy At Office Yoga Now!
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What If? : A Romantic Parallel World Time Travel Thriller [Kindle Edition]IAN C.P. IRVINE (Author)]http://www.amazon.com/What-If-Romantic-Parallel-ebook/dp/B00C7RY...Book Description
Publication Date: April 4, 2013
NOTE: THIS BOOK WAS PREVIOUSLY PUBLISHED ON Amazon AS "London 2012 : What If?"Starting a few days after the Olympics in London have finished, 'What If?' was written for the commuter, for anyone who sits for hours every day travelling to work, and wondering...'is this the life I should be living? Have I made the right choices? ' ...and then wished for something else...The new alternative to The Time Traveler's Wife, this is a must read for everyone, regardless of what city you work in.'What If?' raises many interesting questions that make great topics to be discussed in Book Clubs. This edition comes complete with guideline questions for your book club to debate and discuss.The Story :Contemplating having an affair, bored with work, and convinced there must be something more to it all, James Quinn is a man just about to enter a mid-life crisis. James leads a successful life. But is it the right life? Instead of a Product Manager in Telecoms, should he have been a plumber, an Olympic athlete, or an artist? Life, as they say, isn't a practice run. This is it.
Convinced the 'grass is greener' everywhere else, and worried that he may be missing out, James Quinn is a man full of doubts.It's not that he hates his own life. Far from it. His 'life', as others may call it, is good. It's just that, nowadays he can't stop looking at other people and wondering if he is living the right one? What if James has got it wrong?And then there's Jane, the first girl he kissed at school, and the one that got away. What would life have been like if he had married her instead of his wife? Unable to control his curiosity he tracks her down through Facebook and discovers that she is now a beautiful woman, living in London, and unhappy in her marriage: like a moth drawn to a flame James finds himself heading for infidelity and feels powerless to stop.Then one day, during the normal underground commute to work in London, he looks up from his book and doesn't recognise the station name on the Jubilee Line, and in a split-second, everything changes.Emerging onto a platform at "New Cross Gate North", a station that shouldn't exist, James finds that Canary Wharf has vanished. Gone. And so have Selfridges and mobile phones.Instead, James finds himself in a parallel world, where the city he lived in has changed, and every moment is now a voyage of discovery into a new life: a new career in advertising, a new house, and a new wife: Jane-the object of all his fantasies.In this new world, James discovers that he is a flamboyant, intelligent, charismatic, successful businessman. Yet, even though he now has everything he has always dreamt of, he finds that he longs for everything else that he used to have but has now lost: his two children, Keira and Nicole, and his wife Sarah. Sarah, the woman he loved but took for granted.Convinced that both the past and present are real, he realises that somewhere Sarah must be as real in this world as she was in the last. Longing to hold her in his arms again, and with no apparent way back to his old world, he sets out to find Sarah in his new world. Wherever she is.Using knowledge from their previous life together, he manages to track her down. But James realises that before he can truly be together with Sarah once again, he must first understand what went wrong between them in the other world to avoid it happening again.What is the secret that his subconscious has hidden from his conscious mind, and which made him want to turn away from Sarah and into the arms of another woman? Will it be possible for Sarah to fall in love with him again in this new world? And is it too late to find a way back to the old world, and his old life?Or will he be stuck forever in this other world, yearning for the green, green grass of home?
____________________________________________________________________________________ The Seriously Silly ABC Book: A Rhyming Picture Book for Kids Learning to Read [Kindle Edition]Steve Hodge (Author)]http://www.amazon.com/The-Seriously-Silly-Book-ebook/dp/B00C4W41...Book Description
Publication Date: March 31, 2013
"The Seriously Silly ABC Book" introduces children to the letters of the alphabet one at a time using colorful drawings and simple sentences that emphasize the individual letters in bold, capitalized, brightly-colored type.You will point out the featured letter at the top of each page and encourage your child to find the several other examples of that same letter on that page, making this book a fun, interactive experience for both you and your child each time you share the book together.This book became a #1 Best Seller within days of its release.Once your child becomes familiar with the letters of the alphabet (or if your child is already there) you may want to check out the authors other rhyming picture books for kids learning to read; Things You Might See and More Things You Might See, each of which achieved a #1 Best Seller ranking in their childrens book categories the months they were released. More Things You Might See also earned a #1 Hot New Release ranking.Those books have entertained thousands of children while helping to guide them onto the path toward learning to read.
_____________________________________________________________________________________________Speed Writing for Nonfiction Writers: How to Double or Triple Your Daily Word Count [Kindle Edition]Ryan Healy (Author)]http://www.amazon.com/Speed-Writing-Nonfiction-Writers-ebook/dp/...Book Description
Publication Date: March 9, 2013
If youve ever struggled with the blank screen if writing feels like crawling through mud on your belly or if you just want to write faster than you do today then this book is for you.It will teach you the secrets of "Speed Writing" and how to double or triple your daily writing output.Imagine that you are able to write two or three times as fast as you can today. How much more would you be able to get published each year? More importantly, how much more would you be able to earn as a writer?Heres what youll learn when you read Speed Writing for Nonfiction Writers:* 4 reasons you need to write faster than you do today.* How I wrote an ebook in a single weekend -- and how you can, too.* How to conquer the blank screen once and for all.* How to quickly increase your writing speed so that you are able to double or triple your daily word count.* Mistaken assumptions that keep writers stuck in slow.* The 10 Powers of Speed Writing. How you can layer these powers for bigger gains in speed.* Why anybody with sufficient motivation can become a Speed Writer.* The difference between good writing days and bad writing days.* How to start stacking more high productivity days on top of each other so you can complete impossible writing projects in record time.* How to feel inspired every single time you sit down to write.* And much more.Speed Writing for Nonfiction Writers is for writers of all kinds. It doesn't matter whether you write articles, editorials, sales letters, white papers, or books. You will find techniques and principles that will make you a much faster writer.

Add some Guac to your life, make those burgers California style!Like them on Facebook to get the coupon. https://www.facebook.com/WhollyGuacamole/app_399260323430416

Most Sprout Organic Baby Foods BOGO - For new&returning guests- Free 2-day ship with $35 for $17.79http://www.diapers.com/p/sprout-stage-1-roasted-bananas-12-pk-10...Sprout Stage 1 and 2 foods are buy one, get one free on non-sprouted 12-packs with code SPROUTBOGO.Sprout Stage 3 foods are BOGO on four non-spouted 12-packs (pumpkin pie, curried red lentil, herb turkey, minestrone) with code SPROUT3BOGO.Sprout Cereal is BOGO with code WHOLEGRAINS.Sprout toddler meals are 20% off with code SPROUTUP20 but still more expensive than on Amazon.Sprout spouted packs are $5 off of four 10-packs with code SPROUTBUNDLE.Free shipping two day over $35. Really amazing customer service- My order leaked during shipping and they pretty much replaced the whole thing without asking for the first order back. They have lots of extra discounts for new guests and they do UPromise.Not just for babies! Also good for toddlers, kids, ... well mostly just babies I guess. I mix Stage 1 foods into mac and cheese, etc to add color, flavor, and vitamins. But feel free to use it for whatever, I don't judge.
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Starting today, my local SF Bay Area Costco put some cameras on sale/clearance, the lowest prices I've ever seen on these cameras:1. Nikon SO1: $79.99
http://www.amazon.com/Nikon-COOLPIX-Digital-Camera-NIKKOR/dp/B00...2. Nikon AW100: $149.97
http://www.amazon.com/Nikon-COOLPIX-Waterproof-Digital-Camera/dp...3. Panasonic TS4: $149.97
http://www.amazon.com/Panasonic-Waterproof-Digital-Camera-Optica...As always, for those of you who constantly whine about imperfect posts: man up or call mommy.

Amazon offers its Prime members streaming of 13 James Bond 007 Movies for free. Available movies* Goldfinger (pictured)
* Goldeneye
* Dr. No
* The Spy Who Loved Me, and more. Deal ends April 30.
Amazon Coupons

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A terrific choice for hiking, camping, or emergencies, the Coleman Exponent combo light is actually 2 lights in 1. In its default form, the Exponent is a lightweight flashlight, with a Cree XLamp XR-E LED bulb that provides 165 lumens of light on the high setting. Once you arrive at your destination, however, you can add the collapsible lantern attachment, which screws directly into the flashlight's bezel threads. With the lantern on, you can enjoy a freestanding area light for eating, reading, or chatting. It's the perfect choice for folks who don't have the pack space to carry both a flashlight and a lantern.
Offer Details
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Meijer Coupons

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.

My parents took out loans to help me pay for college many years ago. After my graduation, they paid toward them a little, but then decided to attempt to forbear indefinitely. This was "successful" for many years until Sallie Mae recently purchased the loan. Years of accrued interest have brought the total to $90,000.The payment level Sallie Mae is requiring wasn't budgeted for by my parents, who had basically mentally written the loan off. They believe that paying the monthly payments would bring them to a subsistence existence; this could be close to the truth.They've requested my help, understandably. I could put about $20,000 toward the debt before falling into debt myself. Given my parent's total debt level and income, however ($125k total vs. $30k/yr, respectively), I'm not sure that even $20k would be particularly impactful over the long term.I don't know that a consolidation loan would be available given their middling credit scores and the large debt size, but we haven't yet looked into it. Both are at retirement age, so I'm trying to come up with a sustainable situation without taking on unsustainable debt myself. Those two situations may be mutually exclusive, I fear.Any ideas would be greatly appreciated, thanks.

Dane-Elec myDitto MD-H102T2E23S Home Network Storage Server
$59 Order on line and pick up in store only.
Fry's NAS

Compare to Amazon at $230. Linkazon

The my-Ditto Network Server can:
Remotely access up to 4 TB of data.
Store, organize, and protect all of your digital files.
Secure your data with a 128-bit AES Encrypted login.
Be accessed from your iPhone, iTouch, iPad or Windows Mobile 6.1 and higher!
Stream to your TV, media adapters, wireless picture frames, gaming consoles and more! Thanks to EricP28 who mentioned this deal in another thread.

You have to pre-register online for the 60-day pass. I didn't go through the whole process to see if there's a non-member surcharge, but they haven't had them in the past.Free 60-day pass

I felt this needed its own thread.Starting January 1st, 2014, the Obamacare mandate will kick in.The requirement to buy a health care plan (and the amount of the fine) is tied to both income and the cost of approved health care plans. If the cost of your health care exceeds an 8% threshold, or your income is below a threshold, you will be exempt.If not, the size of your subsidy will be tied to the cost of the plan in relation to your income.The law is so convoluted that smoking (a driver of increased costs) may actually lower your out of pocket costs and save you money.How does this work?Smokers can be surcharged 50% extra on their health care premiums. Every indication suggests they will. By smoking one cigarette a year, you are now a "smoker" who will be paying 50% more for health care.If the cost increase for being a smoker makes otherwise affordable health care unaffordable, then congratulations, you will be either exempt or eligible for subsidies far outweighing the cost of being a smoker.Remember, the more your health care costs in relation to your income, the less (percentage) you will be expected to pay, possibly up to and including a full exemption from the mandate itself.This loophole won't work for the typical salaried six figure FWF professional, but it will work for those with lower incomes, as well as the self-employed among us who are substantial earners but making aggressive use of business deductions and other ways to shed income (solo 401(k), IRA, SEP-IRA, etc)This law is an utterly ridiculous mess passed in haste. I'm sure other examples of nonsense like this will emerge.

My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ each and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?

The $4, $3, $2, $1 Wiper Wholesaler Closeout!
$4, $3, $2, $1 Wiper Wholesaler Closeout! Shipping is around $6First-quality wiper blades and refills made by Trico, including the latest "beam-style" blades and specialty products like Winter and Teflon blades, are now available priced under $4. Many cost less than $1! As with all Wholesaler Closeouts, quantities are limited so get them while you can! Find wipers for your vehicle under "Wiper & Washer" in the RockAuto catalog.

https://www.rockauto.com/lang/en/promo.html$1 or less for OE Metal Refills and Twin Rail Metal Refills
$2 or less for AeroVantage
$3 or less for Heavy Duty Blade, Winter Blade, Exact Fit, and Winter Teflon Blade
$4 or less for Teflon Blade, Classic Blade, Teflon Shield, Innovision, Contour BB, and Neoform

You have to pre-register online for the 60-day pass. I didn't go through the whole process to see if there's a non-member surcharge, but they haven't had them in the past.Free 60-day pass

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.
===========================================================

Does any one know which are the lowest cost variable annuities (where cost is the sum of the mortality and expense charges, the admnistratin fee, and the charges for the funds within the product)?I am not interested in whether or not one is a good investment (I personally believe most of the time they are not). However, I happen to have several after tax ones already(total value in the millions), bought for good reasons (and free of surrender charges, or with charges that have expired) and feel I am paying higher fees than necessary.I have fund a few candidates.I discovered there is a Hartford Personal Retirement Manager I-share variable annuity which has very attractive fees (.3% mortality and expenses plus .33% for a typical index fund. However, this class is sold only through registered investment advisers. Other classes are much less attractive. One question is how to find a manager who has access to this? I suppose there would be added fees for him, but possibly if you know what you want they might be willing to buy it for a low charge (I do not want advice or personal personal service). Possibly somebody knows of a similar low fee product that that can be bought on the internet. The CREF Intelligent Variable Annuity offers an even low mortality and expense charge, but it appears the funds they offer have higher expenses (it is not quite clear why to me, since an index funds should be possible to operate for less than their .7% charge). The Vanguard Variable annuity is low fee, but restricts the rebalancing to twice per year and I want more opportunity to change investments than it would provide.

Office Depot FAR software for the week of 04/07/2013
Two free after rebate titles. Two $7.99 after rebate titles.
AVG Internet Security 2013 [331-684] $49.99
FREE After $20 Mail-In & $30 Mfr. Current User Upgrade Mail-In SavingsAVG AntiVirus + PC Tune Up 2013 [331-675] $49.99
FREE After $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsMcAfee AntiVirus Plus 2013 For 3 Users [830-644] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned. LINK
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons

This was a great deal back in December when it was selling for $30 ($40 - $10 FW).
It's been back up at $80 since, but just
dropped back to $35 ($45 - $10 FW). An
excellent price imho.
Can FW'ers who bought this back in December (and have been using it for 3-4 months) please comment on the "value for your money" on this?
~~~~~~Click FW affiliate link to activate $5 off $30 / $10 off $50 offer for new customers.Click coupon and add to cart: http://www.drugstore.com/red-carpet-manicure-gel-polish-pro-kit/...Checkout Final price will show at checkout. (if you want to double check... enter your zip code in cart and click "get estimate". You'll see the additional $10 discount under your subtotal.)Total $34.99 + Free Shipping!Note: Last time around it came along with a free bottle of (red) gel.~~~~~~~~~~~~~~~~~~~
Compare and read reviews:
Target: http://www.target.com/p/red-carpet-manicure-pro-45-starter-kit/-...
Ulta: http://www.ulta.com/ulta/browse/productDetail.jsp?productId=xlsI...
Red Carpet Manicure: http://www.redcarpetmanicure.com/pro-kit-p-11.html
Amazon: http://www.amazon.com/Red-Carpet-Manicure-Pro-Starter/dp/B00662Z...
drugstore.com Coupons

LinkLowest price ever according to The Camel.This is not a low-end scanner, and yeah, stores will do basic code scans for free. This is for some one who works on their own cars and knows how to use it.
Amazon Coupons

My wife and I are planning to buy our first home in South Bay Area (Sunnyvale, Santa Clara and some parts of San Jose with Cupertino schools). While the inventory is low and many houses are going way over list price with all cash offers, we're still optimistic that something will work out.We're looking for a 3+B/2+BA house. Our upper limit is 800K, but might be willing to go 850K (lender says easily approved) for something we both absolutely love! Both are employed in Fortune 500 companies and make 100K+ and have saved enough money for 15% down (with additional emergency funds for about 6 months). We're in our early 30s, credit scores are 780+ each. We prefer single family homes but townhouses are OK too.We don't have kids yet but planning to have our first in a year or so. We've been looking for houses in good school districts (API 800+) ...not out of immediate need but in terms of resale value and such. Most of the houses here are selling 60K-100K over list and many have been all cash and/or no contingencies offers. Obviously we cannot compete with that.My questions:
1) If we have a kid in 2014, it'll be 5-6 years or so before he/she needs to attend elementary school. Plan for good school district now or make do with what we get and then plan to move later?
2) If we end up getting a house in a not-so-good school district and when the time comes to move, for some reason, we can't sell this house; how much do private schools cost? For example, if we get a 600K house now and save the difference in mortgage payment for the next 6 years, will it make sense?
3) When something comes up on MLS, most listings don't mention schools and we have to go through this tedious process of finding which school zone the houses belongs to. Is there a website where we can plug-in the address and it gives us the elementary, middle and high school names with API scores? Perhaps someone has compiled a list...
4) Also, how worried should we be about sex offenders in the area. We searched www.meganslaw.ca.gov for some addresses and there were multiple offenders in some places. The website, however, says they might have subsequently moved. There is no sure way to find out I guess. Any thoughts?
5) Should we even consider foreclosures/short sales. Our Realtor said we can look into them but he emphasized more on Active listings. Are there agents who specialize in such properties and should we be contacting them?

For those who are lucky to have one near them, Microcenter is having an in store special going on the LG 55" 240 Hz LED TV. Model no: 55LM8600 Linky Too bad Best Buy does not have them as a price match site or this would be an even better score. But then that would be greedy, or would it...hmm?Actually after some thought, they will price match Micro Center since it is a local retailer. It's $1999 on Best Buy's web site right now. For those that can.

A mix of new & old & genres. Only guaranteed FREE at time of posting. Hopefully more later, heading for work now!The Thirteenth Unicorn (The Ben Alderman Series) [Kindle Edition]
http://www.amazon.com/Thirteenth-Unicorn-Alderman-Series-ebook/d...
Pub. 1/8/11While spending the summer with their grandparents on a remote farm in South Carolina, Ben Alderman and his sister Casey uncover a hidden world of magic; a world their grandmother is secretly visiting. It is a world where elves and dwarves are locked in mortal combat against a witch who is trying to free the last surviving wizard from exile. The witch has been defeated once before but with the combined power of the wizard, no one will be able to stand against them. Much to Ben's dismay, he learns that he is the one foretold in the ancient elfin prophecies to bring about the downfall of the witch and save this exciting new world from destruction.
==============================Trail of Bones: A Young Adult Fantasy Novel (An Epic Fantasy Adventure For Any Family) [Kindle Edition]
http://www.amazon.com/Trail-Bones-Fantasy-Adventure-ebook/dp/B00...
Pub. e/q/qeReady for a new adventure? Are you a fan of fantasy, young adult, science fiction and action stories?No mercy, No rules - Welcome to the Trail of Bones!Run with Purpose battle cry of the Shade Wolves Magnus, the runt of a litter of Shade Wolves, wants nothing more than to be a loyal, strong member of the pack. But when an ancient enemy threatens his friends and family, he faces a choice that could tear him from all he's known and loved.Born in captivity, the giant panther Kelor knows nothing but suffering and loss. He struggles to find his place in this world of terror, and he battles to protect his family without succumbing to the darkness lurking inside him.Falling captive to the evil Warden, the two are forced to fight in the battle of the beasts known as 'The Trail of Bones'. How will Kelor and Magnus learn to work together? How will they escape a fate of despair and death? How will their choices affect their comrades? Their enemies? And the forgotten magic that could doom all life of their world?Let the adventures begin! A fun, exciting, clean read for teens, young adults, adults and readers of all ages. Pick up your copy of this fantasy adventure today!
====================================================The Last Objective [Kindle Edition] by Bruce E. Prendergast
http://www.amazon.com/The-Last-Objective-ebook/dp/B00C2YUDIG/ref...
Pub. 3/27/13There's a mole within a United States Air Force Research Laboratory. Aldridge Ames never failed a lie-detector test, why should I? It's three weeks since the power grid failed. Unable to communicate with his military leaders except by telephone, with phone systems failing as battery backups expire, President Wiskin calls upon a team with Jason Bourne's skills and MacGyver's ingenuity: Jimmy Bancroft and Tom Dillon. Their mission: deliver the President's nuclear football to Minot Air Force Base, North Dakota and retaliate against the Chinese. Their journey isn't without peril. They fight off marauding motorcycle gangs preying on refugees, in an apocalypse world where rogue CIA agents set the rules of engagement.
==========================================================Impact Player: Leaving a Lasting Legacy On and Off the Field [Kindle Edition] Bobby Richardson (Author), Joe Girardi (Foreword, Contributor), David Thomas (Contributor)
http://www.amazon.com/Impact-Player-Leaving-Lasting-ebook/dp/B00...
Pub 8/17/12
Former Yankee Bobby Richardson played alongside Mickey Mantle, Roger Maris, Whitey Ford, Joe Pepitone, and Yogi Berra during one of the most prolific dynasties in baseball history, and he remains to this day the only player from the losing team ever to be named World Series MVP.In Impact Player, Bobby shares his life story, including never-before-told tales from the Yankee clubhouse during the historic 55-65 pennant runs and World Series appearances. The book also features the unlikely friendship Richardson, a devout and outspoken Christian, shared with Yankee legend and renowned drinker and womanizer, Mickey Mantle.The perfect combination of faith and baseball, Impact Player offers a rare glimpse into one of the most celebrated dynasties in the history of the game, and it paints a fascinating portrait of a life well-lived and the lasting rewards that come from knowing and loving God.
========================================================Up From Slavery: An Autobiography [Kindle Edition] by Booker T. Washington
http://www.amazon.com/Up-From-Slavery-Autobiography-ebook/dp/B00...
Pub. 10/2/12Booker T. Washington (1856 - 1915) was born a slave but would later become one of the most influential black men in United States history. Washington advocated peaceful protest and believed violence would hurt the chance for African-Americans to secure civil rights. W.E.B. Du Bois, another famous writer and civil rights activist in the early 20th century, believed in stronger protests. Though both men went about things different ways they both are still well read today and recognized for helping African-Americans get civil rights.This version of Up From Slavery: An Autobiography includes a table of contents.
======================================================Caveman Farts: The Story of the First Stinky Fart (The Disgusting Adventures of Milo Snotrocket) [Kindle Edition] (children)
http://www.amazon.com/Caveman-Farts-Disgusting-Adventures-ebook/...
Pub. 2/26/13FREE Audiobook Inside!That's right...For a limited time you can download a FREE bonus MP3 audiobook version of J.B. O'Neil's brand new "Caveman Farts - The Story of the First Stinky Farts" with your purchase of this Kindle ebook. You and your kids will laugh out loud as you listen to this fart-tastic audiobook (over 20 minutes long...complete with disgusting sound effects!). That's twice the farting fun -- Grab this book and get this bonus audiobook FREE while it's still available !From #1 Bestselling Author J.B. O'Neil!Ready to laugh your butt off? Milo Snotrocket is back and stinkier than ever in this hilarious new episode to the #1 Best-Selling "Fart Book" series.Here's what readers are already saying about the side-splitting, bottom-burping Fart Books:"I haven't heard my daughter laughing and giggling that much since she stared school. Thank you J.B O'Neill - I will definitely get all your books to keep my child laughing." ~ Lisa D.
==================================================No Way Out - And Other Scary Short Stories [Kindle Edition] (children/teens)
http://www.amazon.com/No-Way-Out-Stories-ebook/dp/B00513D9HW/ref...
Pub. 5/15/11Includes two free additional short stories.
That's three 'terrorific' short stories for kids and teens at one low price.No Way out - Mike takes a bet to go inside a haunted house, but will he live long enough to collect?Also includes:
The Price of Friendship - How much is a best friend worth? Joey finds out the hard way.Hobgoblin Horror - Jake only volunteered at the retirement home because Shelby works there. So, it's no wonder he's doesn't hear Mr. Fitches' warnings about a local homicidal hobgoblin--too bad for him.
Includes a free extended preview of Super Zombie Juice Mega BombPraise for the Author:
"...master of mid-grade horror, M.J.A. Ware's tales are told in a pleasantly chatty first-person style, the voice convincingly that of a young teen put-upon by sisters, brothers, parents, friends and the rest of the world... until the rest of the world jumps in with scares aplenty." --Sheila Deeth, Author, blogger, and reviewer.================================================Success Takedowns: How to profit from your ideas the right way [Kindle Edition]
http://www.amazon.com/Success-Takedowns-profit-ideas-ebook/dp/B0...
Pub. 3/2/13Success Takedowns is a book that aims to help you take down and tackle every bit of hurdle towards online success. Straight from the beginning to the end, this book will tell you the correct steps so you wouldn't be taken down by anyone anymore. From personal experience, this book is written by an author with more than 10 years of experience with online marketing, seo, programming, web-developing and advertising.
==================================Lunch in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Lunch-Flash-Fast-Food-ebook/dp/B007GGKPSS/...
Pub. 3/2/12Buying lunch gets expensive. Taking or making lunch can get boring and repetitious.until now.Lunch in a Flash costs less and tastes better than buying your lunch every day. And with all the different ways to quickly make your lunch, you can look forward to new ways to enjoy your lunch breakat home or at work.A variety of preparation times are available for quickly making your lunch for today or making lunches ahead of time to quickly have it available on another day.This isnt a free lunch, but it may feel like it when you enjoy what youve made!
==============================================An Innocent Client (Joe Dillard Series No. 1) [Kindle Edition] by Joe Pratt
http://www.amazon.com/Innocent-Client-Dillard-Series-ebook/dp/B0...
Pub. 10/22/12A preacher is found brutally murdered in a Tennessee motel room. A beautiful, mysterious young girl is accused. In this Mystery Readers International finalist for "Best Debut Mystery," criminal defense lawyer Joe Dillard has become jaded over the years as he's tried to balance his career against his conscience. Savvy but cynical, Dillard wants to quit doing criminal defense, but he can't resist the chance to represent someone who might actually be innocent. His drug-addicted sister has just been released from prison and his mother is succumbing to Alzheimer's, but Dillard's commitment to the case never wavers despite the personal troubles and professional demands that threaten to destroy him. "Pratt's richly developed characters are vivid and believable, especially the strong Southern women who fight their male-dominated culture from behind a facade of vulnerability in this brilliantly executed debut." -- Publisher's Weekly "Its Scott Turow and Grisham... The opening chapter is maybe the most compelling Ive read in a decade. Ken Bruen Smart and sophisticated, with a plot twist that will leave you shaking your head in wonder, "An Innocent Client" -- the first in the acclaimed Joe Dillard series -- will also leave you begging for more.========================================================
How To Stop Procrastinating And Live The Life You Choose (Workbook Included) (The Human Rhythm Formula) [Kindle Edition]
http://www.amazon.com/Procrastinating-Workbook-Included-Formula-...
Pub. 3/1//13***INCLUDING WORKBOOK ****** ALSO A GREAT TOOL FOR COACHES...
When given this book, my clients achieved breakthroughs in half the time.Discover your personal rhythm and lead the life you choose - WITHOUT PROCRASTINATING.
- Learn a quick fix for procrastinating you can apply in just 0.5 SECOND
- Be FREE of PROCRASTINATION, fear, anger, failure, inaction, anxiety, & self-criticism
- Increase your self confidence and personal effectiveness exponentially!
- Know how to apply the secret HUMAN RHYTHM FORMULA: Re = P/E
In PART 1, each of six self sabotaging dance steps is illustrated with rhythmic descriptions, symptoms, real life examples. Why six? because we all use at least three of them!
Contents:
Introduction - What's in it for you
- Your expected outcomes include...
PROCRASTINATION and the other 5 Sinister Steps of Self-Sabotage
- The Facts Up Front
- 1. Lingering limbo - dance of Procrastination
- 2. Worrying Waltz - dance of Anxiety
- 3. Critical Cha Cha - dance of Self-Criticism
- 4. Soft Shoe Shuffle - dance of Avoidance
- 5. Punishing Paso Doble - dance of Aggression
- 6. Toxic Tango - dance of Frustration
- 7. Positive Polka - dance of Productivity This is the starting point for you to take real, life-evolving action, transform the way you think and act, and STOP PROCRASTINATING NOW.Included in PART 2 are action boxes and worksheets for you to progressively identify and record your own unique experiences and insights as you move towards OVERCOMING YOUR PROCRASTINATION.
Contents:
YOUR Human Rhythms
- We all dance to the same tune, but differently
- Your centre of Gravity
- The Need For Internal Rhythm
- Finding Your Own Core Rhythms
- A Sack of Dirt and Water That Can Think
- An Exercise in Applying Your Core Rhythms
- The Human Rhythm Model
- Bringing It All Together - You Have Choice
- The Secret Formula to Beat Self- Sabotage
- Key review Points - Beating Self-Sabotage
- Your New D-A-N-C-E: the RHYTHMIC RUMBA

I know alt ID's are generally frowned upon but too many people in my family know my user name and I don't want them knowing my salary.I have been thinking about a career change. My job is pretty stable and not too stressful, but at the same time not in the area I want to spend the rest of my career in. I have been with the same bank and division within the bank for ~13 years. However, as I've started paying attention I have started to notice that a lot of people I know who have mid-level executive jobs work quite a few more hours than I typically do.My current job is for a Top 5 bank and I make ~$95K/year, (who wouldn't like to get paid more, but in all honestly it is enough money for me).However, I typically work 42-45 hours/work for an hourly wage of $40.50-$43.50. I have 2 small kids and its not worth it to say take a pay increase of say $20K if it means working 10 more hours a week (effectivly dropping my hourly wage)
So for those of you with corporate jobs how many hours/week do you work? (I know I'm going to get some self-employed people who either work 20hrs/week and make $100K or 80 hours/week and make 20K - really interested in the corporate situations to see how my current role stacks up and if the trade offs are worth it.

$19.95 for 8 Mini Ass Kickin Hot Sauces and Hot Sauces Xtreme with free shipping ($39.95 value) for $19.95 + free shippinghttp://www.suddenvalues.com/business/suddenvalues-direct/7195/ge...What better way to get the BBQ season of the a good start than with some Ass Kickin' Hot Sauses. Impress your family and friends with this unique gift pack and makes an ideal gift for anyone who likes to live on the edge.
Get all four of our Mini Bottle Ass Kickin' Hot Sauces in, Mini Ass Kickin' Original Hot Sauce, Mini Ass Kickin' Wasabi Horseradish Hot Sauce, Mini Ass Kickin' Cajun Hot Sauce, and Mini Ass Kickin' Roasted Garlic Hot Sauce together in a mini box. Perfect for a gift or to go in your spice rack. Also included in this great deal are four of the favorite Hot Sauces Xtreme, Devil's Revenge, Spontaneous Combustion, Ass Blaster and Hot Sauce From Hell with free shipping.

Hey, me again with more health insurance things! A while back I had posted about re-instating coverage on insurance. Well that didn't quite work out, so I chose to elect COBRA in the meantime.My First PostCoverage is $900 a month, so I chose decline coverage initially and then to elect coverage until near the last days to save 2 months of premiums. I was going on the following.MN Dept of Health said: link to DoH
Federal and state law give you 60 days from the date notice is received, or coverage would otherwise end, to elect continuation coverage. If you elect coverage within this 60-day period, and pay the applicable premiums, your coverage will be retroactive to the date of the qualifying event. You have the right to initially refuse continuation coverage and then change your mind within the 60 day election period. In this case, coverage will not be retroactive to the qualifying event but will be effective when you actually make the election.


After receiving my first bill, I seen it went retro active to when coverage stopped from the employer. I called UHC about it and they stated something that contradicts the above statement.

United Health Care COBRA enrollment PDF said: You (or your dependent) have 60 days to make your
election and return it to UnitedHealthcare. If you initially
waive your COBRA continuation coverage, you may still
elect to continue coverage within the 60 day election
period. If coverage is elected, you (or your dependent)
have 45 days from election date to pay for your coverage
from date you lost coverage through the current month.This oversight is going to cost me 1800! okok, cost is too strong a word since I would have owed it anyways. Does anyone more familiar with healthcare administration know about this? Who wins, MN Dept of Health website or insurance companies PDF? Do I need to continue to churn through phone reps until someone listens?

Includes bonus wi-fi bacpac unit.Description & reviews:
http://www.amazon.com/GoPro-HD-HERO2-Outdoor-Edition/dp/B005WY3T...As always, for those of you who constantly whine about imperfect posts: man up or call mommy.

Walgreens is offering another sale on their Arizona Tea (different varieties available) for $1/2 cans. Limit 6 items per coupon.Check out and present coupon from front store-kiosk. Must be member, but who is not nowadays?Online Ad Look at last page. Deal expires 4.6.13

I am a long time reader, i lurk, As I do not have a whole lot of input on most of the stuff that circulates here.
I am considering buying a condo in Austin, TX. I go to austin for pleasure about 4 times a year, and would definately spend more time there, if hotel's weren't so expensive in the decent areas ($100-150/night) I can cashflow the condo and association fees just fine, but i figured, if i can subsidize the costs of the place with business class rentals, It might offset my outlay.
Data Points:
Condos are in the Arboretum Area (if youre familiar) - Close to alot of business/tech and Nice neighborhoods
Condo fees cover building/water/trash - i chose a condo for low maintenance. no lawn to mow or anything similar. easy to lock- and-leave
Condos range from 1b1ba 590sqft to 2b2ba 1200sqft
My family already leases houses locally - my remote aspect is what is intriguing me, as I am essentially running a hotel more so than a rental. I will need to include furnishings, linens, amenities (wifi, tv, etc)
My main concerns are:
Property Security - Remote access deadbolt systems
Cameras (can i even put up cameras inside, with consent?)
Where to Market Short term rentals?
deposit amount, or just a CC for incidentals?I figured, if i can get $500/wk, and $1500 during SxSw (most that sleep 6 charge $3,000), as well as other major events that happen in the Capital city, I can almost pay for the property with my headaches and maintenance. Ive looked at homeaway.com and Austin rentals, albeit houses, are going for $150-1250 a night, obviously the 1250 a night is on a resort lake front, with 4,000 or so square feet

Oh lord...Way back when, when reading the ridiculous threads of people who had gotten themselves into 5-figures CC debt, I shook my head. I may have even scoffed. I thought to myself, "How do these people get themselves in a hole this deep?"Well, here I am, in that same hole, thanks to living above my means. Now I come to FWF begging mercy and assistance. Intelligence is apparently no barrier to financial idiocy.Stats:Me - $85k
Wife - $50k
Roth IRA - $13kCC debt: $5,311.71 16.24%
$5,474.71 15.99%
$3,414.71 15.24%
$81.30 15.24%
$400.00 13.24%
$930.00 10.24%
$2,305.00 9.24%
$3,474.31 8.74%
$14,650.00 0.00% expires 12/2013
$7,828.00 0.00% expires 6/2014
$7,280.91 0.00% expires 2/2014


Total balances - $51,150.65
0% balances - $29,530.91 So, what do I do FWF? Do I withdraw some % of the Roth to pay down the non 0%? Do I try to get more on 0% cards, even with BT fees? Help.Cliffs: Faux-FWFer who lived above his means now seeks forgiveness and assistance.

Ordered Wolf 9mm from this company last week and they ship fast! I use Wolf for shooting paper as it's the most economical and I've never had any trouble. .59/round is more than 223 was in 2010 but it ain't 2010 anymore. I can't find this ammo anywhere. They have two types of Wolf 223 in stock.LinkyDon't give me a thumbs down or red because you don't like Wolf or that you think the price is too high - show me someone who has cheaper in stock!

Only guaranteed FREE at time of posting. a mix of new and old and a variety of genres - hope you'll find something you'll enjoy.Married By Midnight (Pembroke Palace Series, Book Four) [Kindle Edition] by Julianne MacLean (Romance)
http://www.amazon.com/Married-Midnight-Pembroke-Palace-ebook/dp/...
Pub. 7/15/12From USA Today bestselling author Julianne MacLean comes a passionate and emotional tale of a most unexpected loveMARRIED BY MIDNIGHT: A Pembroke Palace Novel of approximately 220 print pagesAN UNATTAINABLE ROGUE
For seven years, Lord Garrett Sinclair-- the ruggedly handsome illegitimate son of the Duke of Pembroke--has been traveling abroad with no intention of ever returning home to Pembroke Palace until his father commands that he must marry by Christmas in order to thwart a family curse or lose his inheritance forever. Haunted by a tragic accident that has hardened his soul, Garrett entrusts his brothers to seek out a bride who will agree to a marriage in name only. Her reward? A sizable share of his inheritance--payable immediately after the wedding night.
A BEAUTIFUL TEMPTRESS
Lady Anne Douglas has been ruined by scandal and disowned by her father. Facing a life of poverty and spinsterhood, she leaps at the generous terms of the marriage contract to ensure her independence. But the charade of a two-week engagement proves more of a challenge than either anticipated when they cannot resist the intoxicating lure of the marriage bed. Anne knows they will part ways after the wedding. Will she dare risk her heart for two weeks of pleasure in the arms of an irresistible rogue? Or will her surrender become her undoing after a most unexpected turn of events mere hours before the wedding? Full length novels in the Pembroke Palace Series:
Book One - IN MY WILDEST FANTASIES
Book Two - THE MISTRESS DIARIES
Book Three - WHEN A STRANGER LOVES ME
Book Four - MARRIED BY MIDNIGHT
Book Five - A KISS BEFORE THE WEDDING (Short Story)
Book Six - SEDUCED AT SUNSET
===========================================5 Ingredients 15 Minutes Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes [Kindle Edition]
http://www.amazon.com/Ingredients-Minutes-Cooker-Cookbook-ebook/...
Pub. 12/28/12
This cookbook was written for you: The busy professional who's moving at the speed of light, craves a comforting home-cooked meal, and doesn't want to spend his or her life in the kitchen. Each of these 40 recipes requires 15 minutes or less of prep time and absolutely no acrobatics. If you can chop an onion and twist a can opener, you can make these dishes. The recipes include nutrition data, and most include serving tips.In this cookbook, you will discover 40 recipes for delicious home-cooked meals that only require 5 ingredients (plus a few Staples such as salt, pepper, water, cooking spray, etc...), 15 minutes (or less) of prep time and 1 turn of a switch. Your slow cooker takes quick and easy meals to a whole new level.At the end of the day, what you want to do is put your feet up and rest. But what you need to do is get dinner on the table. Now you can do both!With 5 ingredients 15 Minutes of Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes, just toss in a few ingredients into your slow cooker in the morning before going to work, and a delicious, hot dinner will be ready for you when you get home.Thousands of busy home cooks rely on Maria Holmes' recipes because they are family friendly, are simple to put together, and taste terrific. Now there's a new cookbook in the Maria Holmes' collection that makes your life even easier!Imagine coming home to an elegant Roast Beef with Mixed Fruit and Chipotle Sauce or Chicken a la King. What about sitting at the dinner table after a long day at work and enjoying a melt in your mouth serving of Potatoes au Gratin.With 40 recipes to choose from, you will have many quick and delicious meal ideas. Most take less than 15 minutes to prepare because all you have to do is pull 5 ingredients out of your pantry, fridge or freezer.So get ready to discover all the tasty simmered-in flavors of slow cooking.Enjoy and be well!
=========================================35 Easy Weeknight Dinners - Simple and Easy Chicken Recipes For Weeknights (Quick and Easy Dinner Recipes - The Easy Weeknight Dinners Collection) [Kindle Edition]
http://www.amazon.com/Easy-Weeknight-Dinners-Weeknights-ebook/dp...
Pub. 10/31/12Are you looking for Recipes For Chicken? If you are looking for quick and easy recipes to prepare on weeknights, you have found the right cookbook! This cookbook has 35 different good recipes for dinner and it all focuses on chicken. So if you love chicken and do not have a ton of time to spend cooking every evening, you should check out this book and the easy recipes inside.As this is all about chicken recipes this book has a variety to choose from. Find traditional chicken meals as well as more exotic ones as well as chicken sandwiches, wraps, salads, soups and more!The type of family meals you will find inside 35 Easy Weeknight Dinners Simple and Easy Chicken Recipes For Weeknights includes all types of fabulous chicken meals that are quick and easy dinner recipes! We hope you enjoy them all! What Type of Quick Easy Dinner Recipes Will You Find In This Book? There are a total of 35 different but quick and easy meals inside this book. Of course you could just consider them fall dinner recipes, but really they would make great dinners, lunches or brunches all year round!Some Examples of the easy family dinners include:
Chicken Marsala
Chicken Pesto Sandwiches
Rum Chicken
Lime Avocado Chicken
Chicken, Plum, and Chickpea Salad
Chicken and Curry Soup
Chicken and Black Bean Wrap
Lemon Olive Chicken
Chicken and White Bean Chili
Chicken Tortilla Soup
Rosemary Chicken Breasts
Creamy Chicken and Broccoli
Chicken Pumpkin Soup
& Many More.
==============================================Portable Pies [Kindle Edition]
http://www.amazon.com/Portable-Pies-ebook/dp/B00B8V0PPU/ref=sr_1...
Pub. 1/30/13Bakers in the American south have been making homemade fried pies for their families for generations. Generations of people have grown up with the knowledge of how to make homemade fried pies. There are countless types of mini-pies that can be fried -- fried chocolate pies, fried apple pies, fried apricot pies, fried peach pies, fried cherry pies and nearly every other kind of dessert deep fried pies. This book lists as many deep fried pie recipes as we could gather from many sources. Our grandmother's memory is strongly invested in every one. Our book covers the various types of fried pie dough recipes, both how to make fried pie dough and how to buy premade dough for fried pies at the store to how to convert pecan pie into a fried pie recipe. This is definitely not a health food book, but it does condense the many happy memories of childhood for many people over countless years. There's simply nothing in the world that tastes better than deep fried pies. The recipes include:
Modern Traditional Fried Apple Pies
Savannah Sunny Fried Peach Pies
Big Easy Apple Raisin Fried Pies
Easy Biscuit Apricot Pies
Boysenberry Fried Pies
Old-Fashioned Hot Kitchen Blueberry Fried Pies
Quickie Crisp Pies
Fried Dried Apple Biscuit Hand Pies
Nanny's Dried and Fried Fruit Pies
Chocolate Fried Pies
Fried Cream Pies
Fried Cherry Nut Pies
and more!
=============================================Freezer Meals: Delicious and Easy Make-Ahead Meals [Kindle Edition]
http://www.amazon.com/Freezer-Meals-Delicious-Make-Ahead-ebook/d...
Pub. 1/21/13Tired of spending long days in the kitchen?Freezer meals allow you to cook once and have multiple meals ready to go at a moment's notice. If you've ever spent an hour cooking dinner after work and thought there has to be an easier way, make-ahead meals are the answer to your prayers. This book gives you a rundown of what freezer meals are and what foods can and can't be frozen successfully. Whether you want to cook a month's worth of meals in advance or you're just looking to make extra food to store away in the freezer, this book will help you on your way. Buy Freezer Meals: Quick and Easy Make-Ahead Meals today and start enjoying all the free time you'll have during the week.
===========================================Desserts in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Desserts-Flash-Fast-Food-ebook/dp/B007K09P...
Pub. 3/12/12Sometimes a meal just isnt complete without a dessert. And sometimes a craving for dessert can happen in the middle of preparing the main meal.Sometimes to complete a meal, or satisfy a craving, you need a dessert that can be ready quickly. Most of the recipes in this book are designed to fill that need. All are designed to be assembled quickly, but some may be chilled or frozen to be served later.Satisfy your sweet tooth and stay on your time schedule. How sweet it is!
===============================================Blood Sugar Diet Recipes: For Losing Weight and Preventing Diabetes (How to actually use diets) [Kindle Edition]
http://www.amazon.com/Blood-Sugar-Diet-Recipes-ebook/dp/B00C0I5Q...
Pub. 3/23/13
We Recommend this for Blood Sugar Solution Dieters
On Sale for a Limited Time!
All the best recipes for the Blood Sugar Diets in one place
The Blood Sugar Diet programs have taken the health and fitness industry by storm and if you don't act fast you'll miss out on the results. The Blood Sugar Diet programs are based around balancing your insulin levels and gives you a six week program to achieve great health, weight loss and prevention of diabetes. It's knowing what to eat that's the hard part, but we've made it easy by giving you plenty of recipes that you can choose from. Our Recipes are sorted into "Breakfast, Lunch, Dinner and Dessert" and we include the calorie count, so you can limit your calorie intake if you wish to. Our recipes are so tasty and creative that you'll never get bored of them....even if they are healthy!
Some of the recipes included:
Delicious low sugar Fruit bread | 105 Calories
Spicy Chicken | 185 Calories
Beef in Gravy | 309 Calories
Baked coconut fish | 195 Calories
Strawberry Crumble | 176 Calories
and many many more!
Eat your way to the body of your dreams in no time with our easy recipes that will have you eating great foods every day
=====================================Ever Shade (A Dark Faerie Tale #1) [Kindle Edition]
http://www.amazon.com/Ever-Shade-Dark-Faerie-ebook/dp/B009WVIDPW...
Pub. 10/24/12Ever Shade ~ a dark twist on faeries. For Shade, a chance meeting with a powerful Teleen Faery warrior who wields electrical currents and blue fires along his skin, has her joining him on a treacherous mission for the good Seelie Faerie Court across the land of Faerie. Magic and malice abound and nothing is what it really seems to be.The evil Unseelie Queen and her treacherous allies are around every corner as Shade makes her way across the breathtaking landscapes of the world of Faerie, which exists alongside the mundane human world. Shade discovers her own uncharted magic and meets some of the most powerful warriors in Faerie while battling evil dryads, conniving Teleen guards and challenges on her life with every step in a world where nothing can be taken for granted.
======================================Squidge: Little Elf, Big Trouble [Kindle Edition]
http://www.amazon.com/Squidge-Little-Elf-Trouble-ebook/dp/B004CR...
Pub. 11/17/12Who ever heard of an elf saving Christmas?Squidge is a little elf who wants to do what the bigger elves do. When he takes matters into his own hands and causes a disaster in Santa's workshop, Squidge runs away... and ends up going further than he would ever have dreamt. Can such a little elf save Santa and Christmas?
================================================The Tales of Big and Little: Doom of the Three Stones (Tell Me A Story Bedtime Stories for Kids) [Kindle Edition]
http://www.amazon.com/The-Tales-Big-Little-ebook/dp/B005G4Q9XM/r...
Pub. 8/4/11For Ages 6 to Adult. No illustrations or frills, just pure, awesome story! Your kids will love you for it!About The Tales of Big and Little - Part One: Doom of the Three Stones...
Big and Little are two dogs who love cheese. They would never have imagined
that this love would take them to another world, to do battle with the
ferocious feline, Shirlee, and his army of animated Pizza Crusts! Follow
Big and Little as they try to foil Shirlee's plans to take over the
worlds!
====================================================Black Hole Cafe #1 [Kindle Edition] (graphic novel)
http://www.amazon.com/Black-Hole-Cafe-1-ebook/dp/B00BJOJR7S/ref=...
Pub. 2/20/13Black Hole Cafe centers around Simon, an ex-assassin with the ability to shift between alternate realties. After receiving a vision of the multiverse collapsing in on itself, Simon travels to the Black Hole Cafe. He hopes to solicit the help of his closest friend Ethan, a man who has the magical ability to turn into a rabbit warrior named Kole. Together they set out to find the source of the vision, and stop the impending apocalypse.
=============================================================The BIG book of Paper Beads [Kindle Edition]
http://www.amazon.com/The-book-Paper-Beads-ebook/dp/B008ADKFJK/r...
Pub. 6/9/12This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too! It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more! But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
====================================================How To Compost: Everything You Need To Know To Start Composting, And Nothing You Don't! [Kindle Edition]
http://www.amazon.com/How-Compost-Everything-Composting-ebook/dp...
Pub. 6/14/12
Lars Hundley cuts through the vast amount of information on composting in this quick and to-the-point guide, to give you the essential information you need to start composting now. This guide is for those new to composting and the following topics are covered:
* Types of compost bins and the pros and cons of each (as well as "no bin" options)
* Composting accessories and which are essential (answer: none!)
* What to put in your compost bin -- and what to avoid (sorry, dog poop is out)
* An easy way to balance carbon- and nitrogen-rich materials (no math involved!)
* Compost troubleshooting -- common problems and how to solve them (from sulfur to slime - it's covered)Whether you just want a pile in the backyard, or the latest in compost tumbler technology, this guide will get you off to a great start.
========================================================Declutter: The Busy Person's Guide to Decluttering Your Home and Your Life [Kindle Edition]
http://www.amazon.com/Declutter-Persons-Guide-Decluttering-ebook...
Pub. 3/23/13Decluttering is not just about having a clean house, although that can play a big part in it.
Do you want more time, energy and money to do what you want?
Are you constantly weighed down by all the excess junk in your life?
Are you tired of wasting time and energy dealing with things you don't even want in the first place?Are you looking for the kind of home where:
You're not always apologizing for the mess?
You actually look forward to inviting people over?
Distant friends and family can visit...and stay...because they can actually get into the spare room?
There is actually room in the garage for your cars?Decluttering is about how you feel in the space after you have it set up so that it is working for you.I know you're busy. I know that you think it will take you ages to get into this space. That's why I show you simple, quick and easy ways to declutter your home and your life.
I take you through each room in your house, step-by-step, and hold your hand.
In 15 minutes a day you will regain control of your life!
By the time you reach the end of this book, you will have worked through your whole house (including all your computers and mobile devices.)
You will also be well on your way to decluttering your mind.Decluttering is about you. Its about how you
feel
think
act.Its about how you do each of those things in your physical, mental and emotional states.The sooner you start decluttering, the sooner you can start enjoying the benefits:
Time to spend with your family and friends.
Energy to do the things you want to do with your life
Youll even have more money, because you won't keep buying things that you already have, and you may even have made some money by getting rid of things you no longer use.You'll be a new person and you'll like the new you!
------------------------------------------------Seed Saving for the Organic Gardener (Organic Gardening Guides) [Kindle Edition]
http://www.amazon.com/Saving-Organic-Gardener-Gardening-ebook/dp...
Pub. 1/23/13For the aspiring organic gardener, there's nothing more rewarding than growing organic crops from seeds you've harvested yourself. This book gives you the information you need to get started harvesting and planting your own seeds.The following topics are covered:
- Why saving seeds is preferable to buying seeds.
- The key difference between hybrid and open-pollinated seeds.
- Why you need to avoid GMO seeds at all costs.
- How to control cross-pollination of your plants.
- Bagging, isolating and boxing your plants.
- Growing healthy seeds.
- How to harvest seeds from a number of popular plants including artichokes, asparagus, broccoli, carrots, flowers, corn, strawberries, cucumbers, melons and more.
- Why you should avoid harvesting tree seeds (there's a much better way to grow trees).
- What heirloom seeds are and why they're important.
- Special handling of plants you plan on harvesting heirloom seeds from.
- The difference between organic and heirloom seeds.
- How to start your seeds once planting season rolls around.
- Sowing seeds in your garden.
===================================================Energy Vampires: How to Deal With Negative People [Kindle Edition]
http://www.amazon.com/Energy-Vampires-Negative-People-ebook/dp/B...
Pub 8/5/12One of the best "Vampire Books" you will ever read!
Especially if you are surrounded by negative thinking or negative people...
After being around certain people do you ever find youself feeling:
Emotionally exhausted
Drained
Tired or wanting to take a nap?
If so, then this is a good book for you!
Who exactly do energy vampires and negative people affect? Simple ... Everybody! So what is an energy vampire? You've probably heard the term "energy vampires" before, especially if you're at all interested in psychic ability or psychic development. But what exactly are energy vampires? They're not real vampires. Well, I guess they're real vampires, but not like the ones you see in Twilight ... "Energy vampires" feed upon your energy. In other words, their primary target is your spiritual body, not your physical body. "Energy vampires" are people who constantly draw upon other people's energy in order to help "recharge" their own system. So what do energy vampires and negative people have in common? They essentially do the same thing. They draw upon your energy, and they will have a very profound effect on your system, both spiritually and physically. Many times, they will wear you down to the point of exhaustion. However, unless you're aware of what is happening, you may not even notice the effects these people are having in your life, on a day-to-day basis. Empaths, this is the book for you!Empaths and sensitives are very susceptible to "energy vampires" more so than most other people. More and more people are discovering they are empaths in this new consciousness area. You may even be one and never knew it, until now. How do you find out if you are an empath? By reading this book!In The Book Find Out:How to spot an "energy vampire"
How to protect yourself against negativity
What to do if you if you are surrounded by negative people
How to tell if you are an empath!
How to protect yourself if you are an empath
What effects "energy vampires" have on your spiritual and physical health
How to live in a world filled with "energy vampires"
And the very important...energy vampire first aid!

Use coupon code TKWQS on the checkout page of Skullcandy's website to recieve a 25 percent discount off your whole order. Remember, there is free shipping on all U.S. orders!

http://www.amazon.com/Pawnbroker-ebook/dp/B009LYDM4W/Would you give killers what they want to get them to leave you
and your family alone? Gray Bolton might, if he knew what "it" was.
His life as a pawnbroker in a Mississippi town is good. He has a beautiful family and the future looks bright. Then, he
kills an armed robbers and discovers that he was anything but a
common criminal. Trouble cascades upon Bolton from the police,
from home, and from unknown parties who may be the most vicious
of all. They all appear to be after the same thing and they will all do
anything to get it. Unfortunately, Bolton has no idea what that
thing is. His battle to find out will test him in ways he couldn't
have imagined, and the stakes are simple: Everything.

Valid 4/2-4/3Just click here: CVS Deal of the DayFine print: *Maximum $99 value. CVS/pharmacy will not accept offers printed from unauthorized internet postings or reproductions, copies, or facsimiles of this offer. Original coupon must be relinquished at the time of purchase. Coupon is void if copied, transferred and where prohibited by law. ExtraCare card must be presented to receive these savings. This coupon excludes sale merchandise, promotional offerings including buy more & save promotions, discounted merchandise, milk, bread, alcohol, gift cards, lottery, money orders, prescriptions, postage stamps, pre-paid cards, tobacco products, newspapers, and magazines, Netbook and Sylvania or Craig 7 Tablet. Tax charged on pre-coupon price where required. Valid for in-store purchases only. Coupon cannot be combined with any other CVS/pharmacy coupons. Limit one coupon per customer. No Cash Back. Valid: 4/2/2013 - 4/3/2013.This coupon is the copyrighted property of CVS/pharmacy; it is intended for the use by ExtraCare cardholders who have received this message directly from CVS/pharmacy. CVS/pharmacy reserves the right to reject any coupon presented by parties outside of the original distribution list.

Valid 4/2-4/3Just click here: CVS Deal of the DayFine print: *Maximum $99 value. CVS/pharmacy will not accept offers printed from unauthorized internet postings or reproductions, copies, or facsimiles of this offer. Original coupon must be relinquished at the time of purchase. Coupon is void if copied, transferred and where prohibited by law. ExtraCare card must be presented to receive these savings. This coupon excludes sale merchandise, promotional offerings including buy more & save promotions, discounted merchandise, milk, bread, alcohol, gift cards, lottery, money orders, prescriptions, postage stamps, pre-paid cards, tobacco products, newspapers, and magazines, Netbook and Sylvania or Craig 7 Tablet. Tax charged on pre-coupon price where required. Valid for in-store purchases only. Coupon cannot be combined with any other CVS/pharmacy coupons. Limit one coupon per customer. No Cash Back. Valid: 4/2/2013 - 4/3/2013.This coupon is the copyrighted property of CVS/pharmacy; it is intended for the use by ExtraCare cardholders who have received this message directly from CVS/pharmacy. CVS/pharmacy reserves the right to reject any coupon presented by parties outside of the original distribution list.

Everywhere I've read says that if you're pretty much equally financially, a pre nup is more trouble than it's worth. Wanted to get some light on the subject from the FWF community which has generously helped me in the past. Currently engaged, planning the wedding for September 2014. My (26 yo) assets:
75k/yr salary (with overtime usually total ~80k)
20k Roth IRA
28k TSP
12k liquid savingsMy debts:
6k car loan - 1.9%
55k student loan - 3.49% (being paid to my brother, who took ownership of the loan with a HELOC)
Her (27 yo) assets:
75k/yr salary (with fairly steady annual bonus total ~80k)
5k Roth IRA (just made 2012 contribution)
30k 401k
12k liquid savingsHer debts:
1k car loan
20k student loan - 0% (being paid to her father)
The only thing I can see in terms of income inequality is our family's incomes. Her parents have a significant amount more money than my parents do.

Just a few this a.m...going to work early! Hopefully more genres and books later. All 4-5 stars, and only guaranteed FREE at time of posting.Talk So He Will Listen: 10 Powerful Tips to Get Heard & Build Incredible Relationships [Kindle Edition]
http://www.amazon.com/Talk-Will-Listen-Relationships-ebook/dp/B0...
Pub. 12/2/12There's the woman who seems to know the "secret" ways into a man's heart. She may not be pretty or sexy, she may be downright plain - but she gets the guy and she keeps him hooked right from her very first word. Then there's the woman who is beautiful, confident, and smart - seemingly the 'perfect package'. She may even be a fantastic speaker, but falls woefully short when it comes to talking to the guys in her life and more importantly getting heard. If there is one thing that makes or breaks a relationship "communication" would be it. Yet, there are so few books dedicated to the subject of the art of communication between man and woman. This book by Kimberly Courtney is an attempt to fill the gap.
=====================================Paleo Dessert Recipes: 91 Easy and Delicious Paleo Dessert Recipes [Kindle Edition]
http://www.amazon.com/Paleo-Dessert-Recipes-Delicious-ebook/dp/B...
Pub. 4/11/12If youre on the Paleo Diet and want to eat dessert with a clear conscience, this is the book youve been waiting for!Thanks to the 91 wonderful recipes in "91 Easy and Delicious Paleo Dessert Recipes", not only can you make your all-time favorites the Paleo way, but you will also find many new and exotic sweet dishes to add to your repertoire.Beautifully presented, with easy-to-follow instructions and color photos for each recipe, 91 Easy and Delicious Paleo Dessert Recipes contains such popular classics as Brownies, Carrot Cake, Apple Cinnamon Muffins and Banana Cream Pie.But this book goes much further, and offers a full array of glamorous and unusual desserts for you to enjoy. Orange Cranberry Delight, Guava Mint Sorbet, Maple Syrup Mousse and Pumpkin Zucchini Muffins are just a few of the tempting new recipes which await you.91 Easy and Delicious Paleo Dessert Recipes has taken the guess work out of producing sweet dishes which conform to the basic principles of the Paleo Diet. You can rest easy knowing that each recipe has been carefully developed to include only permissible ingredients.With its exhaustive list of 91 delicious dishes, 91 Easy and Delicious Paleo Dessert Recipes will quickly become your kitchens Paleo Dessert Bible!
===================================Good Sleep for Brain Health: Sleep Better Tonight for a Better Memory Tomorrow [Kindle Edition]
http://www.amazon.com/Good-Sleep-Brain-Health-ebook/dp/B00AGIQW3...
Pub. 11/30/12Brain health and better sleep have been in the news. How to sleep well or sleep better is a common question asked by millions. Tonight across the globe many people will be struggling with how to get a better night's sleep and find an insomnia cure.Many will ask: How I can get better sleep? How is my brain health improved (or hurt) by poor sleep? Is my depression and anxiety being caused by poor sleep? Do sleep problems cause weight gain?
Scroll up the page. Click to Look Inside the book to start reading about better sleep.Other common sleep and brain health questions crying out for answers include: Will I go crazy if I can't sleep? What is sleep apnea and how do I know if I have it? Is medication an insomnia solution? What health problems relate to sleep disorders? Can better sleep improve my memory?Sleep Better for Brain Health is designed to provide answers to these questions and help you improve memory and overall brain health. The book is a practical guide for people with insomnia and avoids technical and academic jargon.

Sleep Better for Brain Health provides a plan for an insomnia cure. As you begin to sleep better you improve your overall brain health. The book is designed to provide the reader with an insomnia solution rather than psychobabble and academic jargon.Six basic principles are presented, which based upon research, have been shown to help most people with insomnia sleep better. For those needing professional help, the reader will be able to communicate their concerns more effectively to their healthcare provider. A memory problem from poor sleep is often a result of sleep disorders and insomnia. Brain health can be seriously affected if sleep deprivation becomes persistent. We now know that anxiety, depression and other emotional disorders so common today can be caused by or made worse by sleep disorders.Sleep Better for Brain Health is divided into sections to help the reader cure insomnia based upon their personal issues. A Quick Start Guide is presented in the beginning of the book to get the insomnia suffer started off right. The relationship between good brain health and good memory and sleep is reviewed in a way that helps the reader understand these relationships better. In the section on physical health and sleep, obesity, high blood pressure, diabetes and even Parkinson's disease is discussed.The effects of poor sleep on psychological health are also reviewed. Suggestions for overcoming worry and anxiety are given. The Worry System is presented as a cure for trouble getting to sleep. Good sleep also looks at ways sleep problems can contribute to sadness and depression and provides suggestions for help in these important areas. The role of anger and irritability are also reviewed and methods for positive change are made.What is sleep restriction and how can that be an insomnia cure? Sleep restriction is presented as an effective approach for many in overcoming the ravages of ongoing sleep problems. Research has shown it to be one of the most effective approaches to better sleep.The book concludes with instructions on how to Sleep Better Now. References and resources are presented so that the reader is able to further delve into certain areas of interest. You can sleep better and improve your brain health, even if only a little.
===================================Clean Eating Diet [Kindle Edition
http://www.amazon.com/Clean-Eating-Diet-ebook/dp/B00C1NX0H4/ref=...
Pub. 3/25/13Clean Eating DietYour One-Stop Clean Eating Cookbook with Clean Eating Recipes for Every MealThis Clean Eating Diet cookbook is packed with information on clean eating, how to eat a clean diet and other information that will help you pursue a clean eating lifestyle. This how-to guide offers plenty of clean eating recipes to help you start eating a healthy diet, including delicious recipes for clean eating foods for breakfast, dinner and even some dessert recipes to satisfy your sweet tooth.Not only will you find delectable clean eating recipes in this book, but you will learn more about the benefits of the eat clean diet, along with some essential tips to use when getting started with the clean eating diet. In this Clean Eating Diet book, you will discover:- The health benefits of changing your eating habits to embrace the clean diet
- Cooking tips to help you implement clean eating foods into your diet
- Delicious main dish clean eating recipes
- Wonderful snack and appetizer recipes that follow the clean eating diet
- Easy to make clean eating side dish recipes
- Clean eating dessert recipes that only use clean eating foods (they taste amazing too)
- An easy to follow meal plan
- And more tips, information and recipesIf you have just started following the eat clean diet, this clean eating diet book is a must-have. With this book to guide you, eating a healthy diet becomes easier than ever. You are provided with easy to follow cooking tips and many amazing clean eating recipes for every meal.

FWF,Long time lurker, first time poster. This is only tangentially related to Finance, so I appreciate your feedback in advance. I have the following dilemma:1) Parents bought timeshare in mid 1990 as Tenants by the Entirety
2) Parents divorced in 2000
3) Father passes away in 2007
4) Timeshare dues go unpaid since 2007, sent to collection agency ($3500)My questions:1) When my parents divorced, the Tenancy by the Entirety is abolished and defaults to Tenants in Common. Is this true?
2) If so, is my mother legally obligated for the whole amount ($3,500)?
3) The collection agency is reporting the full amount on my mother's credit report, is there anything I can do according to FCRA?Paging CN47!Thanks,
Vic

http://www.amazon.com/gp/product/B004W7E7RY/ref=ox_sc_act_title_...Mount Price $75.99 Shipping $6.99 49% off Amazon price. I actually have one of these mounts and was looking to buy a new one for my Mom's TV and was surprised to see this price. I paid nearly double a few months back. Really great mount, very sturdy and best of all easy to assemble and mount your TV and this is coming from a guy who struggles with most DIY projects.
Anyway, thought it was a good deal so thought I would share. the one caveat is it says may take a little longer to ship since it comes from Vancouver so I guess it has to pass through customs. No expedited shipping available but a little slower wait for shipping time is a small price to pay for a great deal. The company that makes this is called Wallwizard and they are based in California. Here is the link to the manufacturer website product detail page for some more details than you can find on Amazon. http://www.wallwizardproducts.com/#s=0&mi=2&pt=1&pi=10000&p=14&a...
Amazon Coupons

My wife has been looking into LASIK (bladeless) and I got this deal in the mail today, it's kinda far from us, but if we figure locally it is $3300 after discounts we can at least get a free trip to LA (Encino and Brea locations) too! Need to determine if this place is reputable first. Though fine print includes - Allegretto Wave-Optimized and IntraLase extra.LinkyThe DetailsYour vision isn't what it used to be, and you've been thinking about trading in your glasses and going with LASIK vision correction. This deal from Excel Laser Vision Institute could be just what you've been looking for. Dr. Moosa who has performed tons of procedures and his caring team are standing by to help you see better. $1,750 ($3,500 value) for LASIK vision correction for both eyes
Includes any necessary follow-up visits
Improve both near and far vision
Work with USC and Harvard Medical School graduate Dr. Ferzaad Moosa
Easy-to-access locations in Brea and EncinoWhat You Need to Know Buy as many as you like; send as many as you like as gifts
Limit 1 voucher redemption per individual
New customers only
Appointments are required and subject to availability
Merchant cancellation/re-scheduling policy of 24 hours applies; voucher subject to forfeiture
Valid for both eyes only
Valid only at the location selected at time of purchase
All services must be used by same customer
Excludes hyperopia and previous eye surgery patients
Pre- and post-operative care included
Excludes antibiotics and steroid drops
Like all surgery, LASIK procedure has some risks which will be discussed during your initial consultation
Customer must be a candidate for LASIK procedure or will receive credit toward another service from merchant or a refund from AmazonLocal
Allegretto Wave-Optimized and IntraLase are available for an additional fee
Available for use beginning the day after purchase
PROMOTIONAL VALUE EXPIRES FOLLOWING OCTOBER 8, 2013
PAID VALUE DOES NOT EXPIRE Other conditions apply
Amazon Coupons

Spring has arrived and it's baseball time! For all Monday-Thursday games in April and May 2013, Upper Box Infield seats are only $13.00 (regularly priced $26).
http://link.mlblists.com/r/OYOE6H/LJWWA9/QFTJE3L/H6UTTW/10OR8K/9... BE A DESIGNATED DRIVER - RECEIVE A FREE NON-ALCOHOLIC BEVERAGE $4.00 VALUE
The Designated Driver Program kiosk is located near the Brushfire Grill, Section 131 and near Gate B near section 104. Guests of legal drinking age, who hold a valid drivers license, are eligible to become Designated Drivers. Our designated drivers receive a wristband and receive a coupon for a FREE Fountain Beverage and are entered to win a Designated Driver prize. The winner of the Designated Driver prize is announced in the middle of the 8th inning. The Detroit Tigers are proud to be one of the top five Major League Baseball teams who had fans sign up to be designated drivers since the 2007 season.
MLB.com Coupons

Gun Digest Book of Concealed Carry 2nd Edition (46% off Retail) $20 shippedhttp://www.gearhog.com/Deal Overview
Interest in concealed carry is at an all time high. In this 2nd edition of the Gun Digest Book of Concealed Carry, Massad Ayoob delivers the tips readers need to protect themselves in life threatening situations - without running afoul of the law. Learn from the best, and you'll be prepared for the worst, with this industry standard concealed carry reference. This new edition covers the hottest issues surrounding concealed carry today, including:* How to concealed carry* Helpful concealed carry tips* Concealed carry laws* Concealed carry clothing* Concealed carry gearFeatures:
Case studies and lessons learned from rulings involving concealed carry laws through expert commentary from Ayoob, who draws on his experience as expert witness for courts in weapons and shooting cases.Coverage of the latest offerings for concealed carry gear, as the supply/demand for accessories continues to surge along with firearm sales and concealed carry permit applications

Advance Auto PartsNot as good as the $50 off $100 recently, but for those who need to make a purchase this week.Offer valid today thru April 5th.$50 off Orders $125 or More [AdvanceAutoParts.com]Enter promo code DOW14 at checkoutFree shipping on orders $79 or more
Advance Auto Parts Coupons

My wife has been looking into LASIK (bladeless) and I got this deal in the mail today, it's kinda far from us, but if we figure locally it is $3300 after discounts we can at least get a free trip to LA (Encino and Brea locations) too! Need to determine if this place is reputable first. Though fine print includes - Allegretto Wave-Optimized and IntraLase extra.LinkyThe DetailsYour vision isn't what it used to be, and you've been thinking about trading in your glasses and going with LASIK vision correction. This deal from Excel Laser Vision Institute could be just what you've been looking for. Dr. Moosa who has performed tons of procedures and his caring team are standing by to help you see better. $1,750 ($3,500 value) for LASIK vision correction for both eyes
Includes any necessary follow-up visits
Improve both near and far vision
Work with USC and Harvard Medical School graduate Dr. Ferzaad Moosa
Easy-to-access locations in Brea and EncinoWhat You Need to Know Buy as many as you like; send as many as you like as gifts
Limit 1 voucher redemption per individual
New customers only
Appointments are required and subject to availability
Merchant cancellation/re-scheduling policy of 24 hours applies; voucher subject to forfeiture
Valid for both eyes only
Valid only at the location selected at time of purchase
All services must be used by same customer
Excludes hyperopia and previous eye surgery patients
Pre- and post-operative care included
Excludes antibiotics and steroid drops
Like all surgery, LASIK procedure has some risks which will be discussed during your initial consultation
Customer must be a candidate for LASIK procedure or will receive credit toward another service from merchant or a refund from AmazonLocal
Allegretto Wave-Optimized and IntraLase are available for an additional fee
Available for use beginning the day after purchase
PROMOTIONAL VALUE EXPIRES FOLLOWING OCTOBER 8, 2013
PAID VALUE DOES NOT EXPIRE Other conditions apply
Amazon Coupons

Need help with mortgage - appraisal came way low for purchase thru Citi .. it came to $375K for a sale price of $423K (direct purchase thru owner). We did fair bit of number crunching ourself to come up with the sale price, plus the owner checked with realtor .. who thought value should be around $450K. What bothers me is the appariser compared this condo/townhome with 3 others within same subdivision, and toally missed this unit as a direct waterviw (waterfront) vs. other 3 compared against, none of which is waterfront or has any waterview at all. Over phone he was totally unaware he is comparing my target unit, which is right in front of water, vs 3 others which are at least a block away (same subdision etc.). I mean how long does it take to punch them in a zillow or something and see the location. Now it is matter of whether he'll admit making significant mistake.Basically compared to another unit that sold with 300 SWFT less space for $358K, he adjusted this one only by $17K (even with wateview, plus 300 SQFT more, plus this being conrner unit and other one being inner unit). Spoke with appraiser, his argument was there hasn't been unit sold facing water for 2-3 years, and he can only go up little bit from previous unit sold - even though that was inner unit, few blocks away from water, and 300 SQFT less in size!!! On my dispute, i showed his own comparable .. stating, the price difference between a 1,800 & 1,900 SQFT town home is $20K based on sales he is showing .. so how does that justify moving up from 1,900 SQFT to 2,200 SQFT only by ading $17K (my math would be you add $20K per every 100 SQFT .. so you add total of around $60K).Can someone tell me what my other option is? Now with closing date 1.5 months away .. i'm bit in tight spot, because Citi took sooo long to get to this stage. If i go with another lender, can i ask them to do the appraisal first, before wasting time? That way i know immediately where i stand?
Plus .. also noted that county tax appraised value shows my unit is worth 25% more vs. the unit he is comparing against. Hence, tax is also 25% higher. So basically if i take average sale he is comparing my unit against, multiply by 1.25 .. the number comes around $425K .. which my point is, he is way off on his apprsial. I can reason all i want i guess .. but i undersnad apprasial can be way over place.So .. what would be my best option? Just to go with another lender?

Shiny red, black and beige leather exude luxury and bright personality, ideal for the uptown woman who wants to make a statement. A goldtone buckle and covered stiletto heel perfect the design. Signature dust bag and box included. Made in Italy.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.

Archen's away this week, so please help out if you can! These are 4-5 stars, a mix of new and old, nd only guaranteed FREE at time of posting. More later...have to head out to work -Buzz Books 2013: Spring/Summer [Kindle Edition]
http://www.amazon.com/gp/product/B00B5Z8WHW?ie=UTF8&ref_=oce_dig...
Pub. 2/5/13Last year's Buzz Books 2012 presented passionate readers their first look at many titles that went on to be hailed as ""Best Books of the Year""--including M. L. Stedmans The Light Between Oceans; Kevin Powers The Yellow Birds; Peter Hellers The Dog Stars; and Amanda Coplins The Orchardist; and John Kenneys Truth In Advertising. We also featured major new works from Junot Diaz (This Is How You Lose Her); Barbara Kingsolver (Flight Behavior); Dennis Lehane (Live By Night); J.R. Moehringer (Sutton); and even Neil Youngs memoir (Waging Heavy Peace). Readers gave us rave reviews online, added new discoveries to their to-be-read lists, and asked us for more.The new Buzz Books takes another publishing insider event--independent booksellers' Winter Institute--and makes it a major launch and discovery point. Enjoy substantial samples from some of the books that booksellers, reviewers, publishers and others are already talking about as some of the big new literary discoveries on the way. There is an abundance of potential breakouts from highly-regarded novelists, including Kate Atkinson (Life After Life), Stephen Kings son Joe Hill (NOS4A2), Meg Wolitzer (The Interestings), Ruth Ozeki (A Tale For The Time Being), Philipp Meyer (The Son), Therese Anne Fowler (Z: A Novel Of Zelda Fitzgerald), Alexander Maksik (A Marker To Measure Drift), and Benjamin Percy (Red Moon). Once again, we present the first look at the anticipated debuts of new authors including Pushcart winner Anthony Marra (A Constellation Of Vital Phenomena); Caine Prize winner NoViolet Bulawayo (We Need New Names) and Anton DiSclafani (The Yonahlossee Riding Camp For Girls).Hot nonfiction includes Lily Koppels The Astronaut Wives Club, already in development for film by Imagine Entertainment, and Skinny Bitch co-author Rory Freedman's Beg, on a new way of regarding all animals. There is also an extensive overview of the entire publishing season, curating over 100 more notable books to look for.
-------------------------------------WAR STORY [Kindle Edition]
http://www.amazon.com/WAR-STORY-ebook/dp/B00C0YT4S8/ref=sr_1_2?s...
pub. 3/24/13Discharged from the Marines, Jerry Colin returns home to Clarksdale County Iowa, a small, rural farming community. After buying the farm he has desired since early adolescence and marrying his high school sweetheart, he easily settles into the quiet, slow-paced country lifestyle. Jerrys intensions are to farm the land and raise his children in the same rural atmosphere as his father and grandfather had. Having tasted life in the fast lane, his greatest desire is the simplest of all, to provide for his family while taking the time to sit on the porch and rock in a chair as he watches the world rush past.
Brutal reality awaits him when the Vanlair, a small Russian religious clan, migrates to America, purchases land bordering Jerrys farm and builds a complex for their followers. The Vanlair are intent on building a safe environment for their community by driving the farmers from their land and assuming control of the county. The Vanlairs fast-paced lifestyle, overt aggression, and ancient religious beliefs are incompatible with a small rural American community. Culture and religion clash.
As Jerrys livestock and belongings disappear, hes forced off his farm in order to protect his wife and newborn son. After a deadly roadside ambush, Jerry flees, appalled by not only his deadly reprisal against the Vanlair but also his abilities learned in the Vietnam War.
Fearing his desire for revenge and hiding in the fog of alcohol. He runs as he deals with the pain and frustration of his disrupted life. After his father and brother are killed, he returns home, where he goes to war intent on driving the invaders out.
Jerry isnt alone. With the help of a small group of former CIA and government officials who provide needed supplies and his best friend who is married to a Russian born woman. Jerry is able to unite the county as they fight for their families, homes, and town.
====================================Stone Cold Heart [Kindle Edition]
http://www.amazon.com/Stone-Cold-Heart-ebook/dp/B00BO4ZGVO/ref=s...
pub. 3/2/13A tough, by the book, Houston Cop, Riley Stones life changes in an instant, when a woman she tried to protect is killed by her abusive husband. Driven by a secret in her own past, Riley had sought to protect and serve. Her moral compass shattered, she finally sees the justice system for what it truly is. We live in a world where the weak are prey, and murderers and rapists get a slap on the wrist. The wheels of justice grind slow. In Rileys new world the stalkers have become the stalked. She has stepped so far outside of the law there is no turning back now.
====================================SMART SCHOOL TIME RECIPES: The Breakfast, Snack, and Lunchbox Cookbook for Healthy Kids and Adults [Kindle Edition]
http://www.amazon.com/SMART-SCHOOL-TIME-RECIPES-ebook/dp/B0041KK...
Pub 8/31/10This e-cookbook was created to encourage whole foods living for families, while offering ample alternatives to prepackaged meals and snacks.Within you will discover 125 healthy recipes and over 100 full color photos for quick breakfasts, on-the-go snacks, and portable lunch items. And of course, the recipes are kid-friendly (and adult-friendly!), easy, and delicious. The chapters include:Morning Muffin Mania
Sensational Smoothies
Easy Freezin Waffles, Pancakes, and French Toast
More Smart Starts
Dips, Fillings, and Spreads
Soups and Stews
Salad-Style
More Lunchbox Love
Sweet Snackin
Craving Cookies
Essential Extras
==============================================================DIY Herbal Spa: Learn how to make organic aromatherapy bath products at home [Kindle Edition]
http://www.amazon.com/DIY-Herbal-Spa-aromatherapy-ebook/dp/B00AM...
Pub 10/12/12Attention, DIYers! Want to learn how to make organic botanical bath products?Instead of giving readers bath product recipes, DYI Herbal Spa starts with that Crucial step that most teachers miss: training your sense of smell so that you can create the perfect scent every time. And every chapter contains easy-to-follow training exercises designed for you to become comfortable with making each type of botanical productas well as a few recipes to get you started.What are you waiting for?
======================================Gluten Free Diet Plan: 50 Easy Recipes For More Energy and Celiac Disease Recovery (Gluten Free Cooking) [Kindle Edition]
http://www.amazon.com/Gluten-Free-Diet-Plan-ebook/dp/B00BPYEBQ4/...
Pub. 3/5/13How To Create Healthy and Easy Gluten Free Meals For Your Family
I Believe Anyone Can Enjoy a Gluten-Free Diet With These Great Recipes
You could be just 30 minutes away from your new favorite GF dish! In this book you will learn:
How To Create Tasty Gluten Free Meals
If you've tried gluten free cooking before, you've probably noticed most of the recipes are bland and the taste is mediocre, at best. But not with these delicious recipes! I believe GF meals should be just as delicious and tasty as any wheat-filled dish. And these recipes deliver.
10 Delicious Gluten Free Breakfast Recipes
Breakfast sucks without cereal and toast, right? No way! These tasty gluten free breakfast recipes will delight you and your family. You'll probably enjoy them even more than your old, gluten-filled breakfasts.
10 Delicious Gluten Free Lunch Recipes
Lunch should be fun and delicious too! And it will be from now on with these easy to make GF lunches.
10 Awesome Gluten-Free Appetizers
Sometimes snacking on a gluten free diet can be even harder than finding a meal. But not anymore! These GF appetizers are perfect for parties, dinners and a mid-day snack to keep you going.
=======================================================Stay or Go? How to Know if Your Marriage or Relationship is the Right One for YOU (Growing in Love for Life Series, Vol. 6) [Kindle Edition]
http://www.amazon.com/Marriage-Relationship-Growing-Series-ebook...
Pib/ 12/2/12Is your marriage right for you? Should you stay and work out your problems - or simply leave?
If you are in the wrong marriage you will never be happy. Period.
This important book by marriage Coach Liam Naden will show you exactly whether or not you are in the right relationship.Just some of the things you will learn:- six steps to determine if you are in the right marriage
- how to decide if you should stay or end the marriage
- the "hidden" reasons why deciding on the future of your marriage is the most important decision you will ever make
- the true purpose of your marriage (it's probably not be what you think!)
- your secret resource for gaining strength in your marriage
and much more.With rare insight, Liam Naden will take you deep into yourself to ask the right questions that are vital for the future of you and your family.
=======================================The Irritability Cure: How To Stop Being Angry, Anxious and Frustrated All The Time (Anger Management) [Kindle Edition]
http://www.amazon.com/The-Irritability-Cure-Frustrated-ebook/dp/...
Pub. 2/21/13How To Get Rid of Irritability and Anger Without Pissing Anyone Off Stress and Anger Expert Doc Orman, M.D. Shares His Secrets To Curing Anger If you want to be happier, healthier and more peaceful, this book is for you! You will learn: How To Eliminate Anger Before It Eliminates YouDr. Mort Orman has been studying irritability and the impact of anger on your health, success and life for years. In his research, he found a proven strategy that works for getting rid of anger and irritability fast, without drugs or medications.
One Simple Process For Turning Negative Thoughts Into Fuel For GrowthWhen you eliminate negative thoughts and energy from your life, you'll feel a sense of calm an inner peace like you've never felt before. But this is the power of negative thinking - when you turn your negative thoughts around, you actually create more energy and power that moves you into the direction you want to go in your life faster than you've ever moved before.
Why Going For Happiness Is The Quickest Path To What You WantSo often in life we try to be right instead of being happy. We argue to protect our viewpoint when we could just as easily let the argument go and be happy. Learn how to reprogram your mind and subconscious habits and never have another unnecessary argument again!
=======================================Why Men Pull Away [Kindle Edition]
http://www.amazon.com/Why-Men-Pull-Away-ebook/dp/B009P7PY6Y/ref=...
Pib 10/10/12Why men pull away? Have you ever had this problem? You are in a relationship, everything is going well, you might even be starting to wonder if he is the one, and then all of a sudden, and probably without any rational explanation, he pulls away. You are left hurt, confused, and angry, you don't know what's happened but you do need answers! The crazy things is that just because he pulled away it doesn't mean that he doesn't care for you or love you. If you want to keep your relationship strong then you need to learn to understand him, his motivations and his fears. This book will set you on the path to understanding your man and hopefully building a happy future together.
==============================================Lily Lemon Blossom Welcome to Lily's Room [Kindle Edition]
http://www.amazon.com/Lemon-Blossom-Welcome-Lilys-ebook/dp/B007K...
Pub 2/28/12Meet Lily Lemon Blossom, a delightful little girl who loves adventures and playing with her friends. Lily invites you to see her lovely room and meet her many friends, including Bunny Rabbit and Josephine her kitten who is always by her side. A quick peek into Lily's room will tell you quite a lot about her. The room comes alive with it's vibrant colors and huggable plush toys. It's a happy place for a happy little girl and her friends.
==============================================Rikki-Tikki-Tavi [Kindle Edition] by Rudyard Kipling
http://www.amazon.com/Rikki-Tikki-Tavi-ebook/dp/B004C43I68/ref=s...
Pub 1894
This is the story of a boy and his weasel, a bird and a snake, India and the British Empire. Rudyard Kipling's dramatic tale, here excerpted from the greater volume of The Jungle Book, is the story of the loyal mongoose, Rikk-Tikki-Tavi, and the lengths to which he must go to protect his adoptive human family.
===============================================GRANDPA HATES THE BIRD: The Battle Begins [Kindle Edition]
http://www.amazon.com/GRANDPA-HATES-THE-BIRD-ebook/dp/B005MTB73S...
Pub. 12/12/11I am no fool. I knew that if I wanted to make it to the end of the week alive, I would have to avoid upsetting Grandpa as much as possible. No singing, no playful nips, no jaunty bell.Bird and Grandpa stay home in Massachusetts while Mother, Father, Joseph and Maya head south for a winter holiday. When Grandpa determines to set tropical Bird free in freezing February, Bird must use every bit of bird brain power to outsmart him. Will Bird become a parrot popsicle?
Whats in the creepy second bedroom where no one ever goes?
Do Grandpa and Bird play Dig a Hole to China and Send Birdie on a Trip?In the spirit of Tom and Jerry, Bugs Bunny and Elmer Fudd, and Road Runner and Wile E. Coyote, here come Bird and Grandpa in the hilarious first short story in the Grandpa Hates the Bird series!====================================30 Delicious Poke Cake Recipes [Kindle Edition]
http://www.amazon.com/Delicious-Poke-Cake-Recipes-ebook/dp/B009I...
Pub 9/27/12Poke Cakes are amazing and fantastic desserts. They exhibit the 4 key qualities of the perfect dessert: They are Simple, Quick, Incredibly Delicious and Fun! These moist cakes are extremely simple to make. They are made with cake, pudding or Jell-O gelatin, fruit spreads fresh fruit and a variety of toppings. You are only limited by your imagination in the ingredients you can use. They are really quick cakes to prepare. You can make a simple but delicious Boston Cream Poke Cake in 1-1/2 hours and most of that time is baking time!Poke Cakes are delicious cakes. One of my favorites is the Strawberry Poke cake which is a white cake with homemade strawberry syrup, homemade strawberry filling and sweetened whipped cream with fresh strawberries on top. The cake is a strawberry-whipped cream explosion that melts in your mouth!Finally, making a Poke Cake is fun for both adults and kids. Kids just love to poke holes into the top of these cakes and fill them with Jell-O gelatin or pudding. Poke cakes are great projects for the entire family.Included in this book are 30 kitchen-tested Poke Cake recipes. There are also recipes for 3 bake-from-scratch cakes for people who don't like to use cake mixes. Finally there are also recipes for homemade apricot jam, homemade lemon curd and sweetened whipped cream.Pick up a copy of 30 Delicious Poke Cake Recipes today and make a delicious Poke Cake this weekend. You wont regret it.Here are the recipes you'll get:RECIPES
Apricot Poke Cake
Banana Cream Poke Cake
Black Cherry Poke Cake
Black Cherry Jello-O Poke Cake
Black Forest Poke Cake
Blackberry Jell-O Poke Cake
Blueberry Poke Cake
Boston Cream Poke Cake
Butterscotch Poke Cake
Chocolate Caramel Poke Cake
Chocolate Chocolate Poke Cake
Chocolate Fudge Poke Cake
Chocolate Pistachio Poke Cake
Chocolate Pudding Poke Cake
Coconut Pineapple Poke Cake
Grape Jell-O Poke Cake
Hot Fudge Caramel Poke Cake
Lemon Blueberry Poke Cake
Lemon Coconut Poke Cake
Lemon Mascarpone Poke Cake
Orange Jell-O Poke Cake
Oreo Pudding Poke Cake
Peach Poke Cake
Pineapple Jell-O Poke Cake
Pistachio Pudding Poke Cake
Raspberry Poke Cake
Strawberry Poke Cake
Strawberry Banana Poke Cake
Strawberry Cheesecake Poke Cake
Strawberry Jell-O Poke Cake
BAKE FROM SCRATCH CAKE RECIPES
Bake from Scratch Chocolate Cake Recipe
Bake from Scratch White Cake Recipe
Bake from Scratch Yellow Cake Recipe
JAMS, SPREADS & TOPPINGS
Easy Homemade Apricot Jam
Homemade Lemon Curd
Sweetened Whipped Cream
==========================================================The Best Pie Recipes [Kindle Edition]
http://www.amazon.com/The-Best-Pie-Recipes-ebook/dp/B00930J8O2/r...
Pub 8/27/12This amazing little book will be an essential staple in your kitchen because it contains the best pie recipes! Whether you are hosting a picnic or holiday gathering, attending a party, or simply satisfying a sweet tooth this book of easy pie recipes will be your go-to guide for pies!Dont be fooled, these are not new pie recipes, but yet the classics and some with a spin. Are you looking for a fancy, lattice top pie? Or maybe a classic two-crust apple or pumpkin pie for the holidays? Or perhaps an amazing fruit filled pie in the summer months? This little book will make your creations become the talk of the town. And heres the kicker theyre not complicated. Sure there are recipes that are more complex or will take a bit longer, but these are easy pie recipes as well. And lets face it, sometimes you just want to make a filling instead of using those preservative-loaded cans from the grocery store. Well, this book also contains pie filling recipes!Show up at your friends house with one of these marvelous creations, and your friends will envy you and your baking abilities. Even if youve never baked a pie before in your life, youll find these simple pie recipes too hard to resist. Dont go another day without this little secret for delicious deserts in your hands!
=================================================Tex-Mex Recipes - 100 Recipes to Spice Up Your Appetite [Kindle Edition]
http://www.amazon.com/Tex-Mex-Recipes-Spice-Appetite-ebook/dp/B0...
Pub. 10/21/12There is simply nothing more delicious than homemade enchiladas in hardy gravy with cheese bubbling on top. Or how about a warm breakfast burrito to get your day started? Within this cookbook of 100 Tex-Mex recipes you will find meals that will satisfy the whole family. Recipes like Easy Meat & Potato Tacos, Green Chili Quesadillas, Tamale Pie and something sweet such as Cinnamon Apple Enchiladas. If you love Tex-Mex food or even if you have never tasted Tex-Mex you are guaranteed to fall for the savory deliciousness that makes it one of the most popular foods around. There is truly nothing like it and that's a good thing!
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I recently had an interview with a company for a similar position that I currently hold with mine. I'm really wanting to get out of my current company due to a lot of management changes etc. and have heard great things about this other company. During the interview I was asked what my current base salary is. I told them I would rather not discuss that at this time but they made it 100% clear they needed to know during the interview to help them not waste anyone's time (I hate HR and hiring manager tactics). They stared at me for a few seconds while numbers shot thru my head like mad. I told them $81,000. They said, good, that's right where we need you to be. The interview continued for another 30 minutes and went better than I could have dreamed. I told them $81,000 because I am very underpaid at my current job and think I deserve more and would want more if I move companies. I really made closer to $72,000.I told my brother what happened and he was like, YOU IDIOT! They can verify that. Whoops! I always thought they could only determine dates of employment and if you left on good terms.Now I'm sitting here worried that if they give me an application that requires I write my old salary in they are going to verify it and I'm screwed. Now, they did ask for base. I told them my pay with bonus and overtime. I'm thinking if they do ask for the application that I write in my REAL base, and if they come back and ask I'll be like, "Oh, during the interview I thought you wanted to know what I made last year? I just did my taxes a few days before and gave you that number. However, on the application I see you asked for base (or however the hell they word it) and that's what I provided.This way, it looks like I'm not hiding anything as putting it in writing, myself, is pretty damn clear. I really don't want to be in a situation where they extend an offer, I accept, put my 2 weeks in, they verify my salary and pull the offer, leaving me potentially jobless.Now, if you guys tell me companies rarely ask for salary then maybe I'll lie on the application

I am going to try to keep this brief. We live in a house with a FHA mortgage, that is probably not going to sell. We have an erosion problem in the backyard because there is a creek/ditch behind the house. There have been a couple of other houses along this ditch that have been on the market for quite a while and haven't sold. Consequently, we are looking at another house to move into soon. Unless some miracle happens, we will be getting divorced. I don't know what to do here about this house situation. Here are my thoughts1. Wife wants out of this house VERY badly (as do I but not quite as badly). I could file for divorce and she would move out with the kids and probably not want any 'equity' from it. She would just want her name off the deed and mortgage. I could stay in the house a couple more years (I think) before the erosion got too bad. This 'lets her off the hook' and I am stuck with a house that I probably can't sell.2. We actually move into a new house without selling the old one (credit still being very good). Both our names on it and then I file for divorce. Not sure who would leave the new house or how that split would be.3. We move into a new house with only one of our names on it and then I file for divorce. Presumable whoever was on the mortgage would get the new house.
I guess two main issues are at play here. One being able to get new houses for both of us before possibly letting the old house go back to the bank. Two not wanting to let her out of the old house in case I need to use it for some kind of leverage with her. I don't anticipate a nasty divorce from her because in a lot of ways she is just as sick of me as I am of her and just wants to get out fast, but you never know. We both have very good credit probably around 800. Kids are 14 and 10 and this is in TN. I guess the one good thing about the house is that we aren't upside down in it. ANY and all advice is welcomed. I am really stumped as to what to do. I have been toiling over this for quite sometime.

Now the real question is how do we do it for fun and profit.
bit coin'Challenging the dollar': Bitcoin total value tops $1 billionAlready bigger than many sovereign currencies, Bitcoin has broken the $1 billion in value mark this week. In the wake of continuing economic crises and liquidity shortages, this new virtual currency is poised to challenge the euro and US dollar.By not being tied to any particular financial institution and independent from world governments, Bitcoin will become a safe haven for anyone trying to save their money from the crippled international banking system, claimed Max Keiser, the host of RT's Keiser Report.It is inevitable that Bitcoin will become a multi-trillion dollar enterprise because every other currency in the world is tied to dying central banks that are encumbered with impossible-to-pay debts and bankrupt counter-party risks,Keiser said.Crypto-currencyBitcoin emerged in 2009 amid the global financial meltdown. The digital currency was created by someone who identified himself as Satoshi Nakamoto. It is based on open-source software, and uses peer-to-peer connections for monetary transactions to avoid centralized authorities.Bitcoin aims to provide safe and secure exchange by verifying transactions with encryption that is used in military and government applications. And unlike bank services, the Bitcoin network is free, except for a voluntary to speed up transaction processing.Bitcoins can be bought for other currencies, virtual or real, and are accepted as payment for goods or services. They can also be won through gambling, received as gifts or donations, or simply 'mining' the process by which new bitcoins are introduced into the system.Bitcoins (BTC) are bought and sold for other currencies at online exchanges. The Japan-based Mt. Gox is the largest of its kind, where BTC have recently traded at an average exchange rate of $90 per bitcoin.Issuance of the currency is completely automated, with 25 new bitcoins generated every 10 minutes; inflation is set to be halved every four years, until a total of 21 million bitcoins is reached. In theory, the currency would not lose its purchasing power unless individuals and businesses refused to use bitcoins.With numerous financial companies already exchanging bitcoins into any of the worlds currencies, the founder of the Swedish Pirate Party, Rick Falkvinge, estimated that Bitcoin could capture between 1 and 10 percent of the global foreign exchange market. This implies that the price of each and every bitcoin would rise to between $100,000 and $1 million, Max Keiser explained.I have stated that myself,Keiser said.I think bitcoin's price will reach $200,000 per bitcoin before Warren Buffett's Berkshire Hathaway's stock.Ten years ago, few predicted that Facebook would have more than 1 billion users worldwide/ By the same token, few today imagine bitcoin could take on the G20 nations, but Keiser believes this may soon take place:Bitcoin's valuation, already bigger than many sovereign currencies, will challenge the most-traded currencies today, including the US dollar, the euro, the yen and the renminbi.Image from Flickr.com/zcopleyRegulatory hand reaches outBecause the virtual currency bypasses authorities and cannot be taxed unless the person deliberately reveals his transactions, the US government and the Treasury Department are seeking to enact stricter regulations and new money-laundering rules.Bitcoins are vulnerable to being stolen by hackers, thieves and fraudsters, though the Bitcoin community has made efforts to curb such crimes.The largest Bitcoin scam reportedly ran in 2012, and was structured like a classic Ponzi scheme. Investors lost at least 200,000 BTC worth $2.2 million at the time, according to the Bitcoin Forums. The high estimate puts the number at 500,000 BTC, or 5 percent of the total number of bitcoins in circulation at the time.The largest Bitcoin hacking heist, in March 2012, robbed the victims of 46,653 BTC ($230,468). The perpetrators exploited a vulnerability in the customer service of Bitcoinica exchange to get access to users' wallets.Satoshi Nakamoto, who created Bitcoin in 2009, left the system to develop on its own in 2011; his true identity was never revealed.One popular theory among Russian bloggers speculates that Nakamoto is Grigory Perelman, a reclusive Russian mathematician famous for solving the Poincar conjecture and receiving the Fields Medal the 'Nobel prize of math,' for the achievement.It is difficult to predict this new policy would play out: Patrick Murck, a legal counsel for the Bitcoin Foundation, a trade group promoting industry standards, said the frameworkwould be infeasible for many, if not most, members of the Bitcoin community to comply with.Keiser believes that Bitcoin users and the currency itself have little to worry about, unlike most of Internet startups feeling themselves suddenly vulnerable to government oversight. Bitcoins are not issued by a central body, and rely on a network of verification nodes to regulate transactions; in the future, Bitcoin users may achieve enough political clout to defend itself in traditional arenas.As Bitcoin's price increases, the new Bitcoin millionaires and billionaires will use their economic clout to rewrite laws in favor of Bitcoin, the same way banks like JP Morgan or Goldman Sachs lobby government to write laws that favor them,he explained.Web 3.0?Bitcoin could also offer relief to debt-stricken countries such as Cyprus.Cyprus was Bitcoin's 'come to Jesus' moment and it's fitting it happened around the Easter Holiday,Keiser said.For millions of people around the world who have been victimized by banksters and their corrupt politician friends, the light bulb went off and they suddenly realized they could save their wealth by parking it in Bitcoin and no government or bankster could stop them.After the initial rush of interest in the Internet in the mid-1990s, and the follow-up boom of Web 2.0 and the growth of social networking, Bitcoin is the third and perhaps the most disruptive wave of all, Keiser said.This is Web 3.0,he said.For me it's extremely exciting since I pioneered the idea of virtual currencies back in the mid 1990s and have four US patents in my name covering virtual trading and virtual currencies. Most people I talked to back then about these ideas and the possibility that something like Bitcoin could exist didn't think it was possible. They were wrong.

$26 Chemistry Panel & Complete Blood Count (CBC) & Lipid Panel for lef members only. This is their annual sale for members only. Normally it's ~$40 for members, and ~$48 for non-members.Step 1: Get Free Membership. This comes with $25 Product Certificate good towards any Life Extension products. Good for their supplements, not on blood test.Step 2: Order: Blood Test Blood test requisition is good for 6 months, and can be "renewed" when you call them before expiration. Requisition Forms & Results can be either snail mailed or e-mailed. I normally get my results via email next day if I take the test before noon the previous day. 12 hours fasting required.FYI :FAQQ) Who orders the blood tests for me?
A) Life Extension National Diagnostics, Inc., contracts with physicians who will order your tests but will not diagnose or treat you.

Q) Where do I go to get my blood drawn?
A) Laboratory Corporation of America performs all of our blood draws at no extra charge to you. Simply click Find a Lab Near You to locate the LabCorp Patient Service Center near you. (However, if you live in Massachusetts, New York, New Jersey or Rhode Island, you will receive a blood draw kit per state law ... and additional draw fees may apply.)

Q) What are the blood test requisition options?
A) Your blood test requisition options are LabCorp requisition form and blood lab kit. If you choose LabCorp Requisition Form, you will receive a form to present to a Patient Service Center in your area. The requisition you receive will have all the ordering information necessary for you to have your blood drawn. Please note that this option is not allowed in the states of NY, NJ, RI or MA.Blood Test taken and analyzed by LabCorp. The Chemistry and CBC blood test is a comprehensive metabolic evaluation including the following tests: Fasting Glucose (blood sugar)
Uric acid
BUN (blood urea nitrogen): Measures liver and kidney function
Creatinine: A test used to measure kidney function
BUN/Creatinine Ratio: For diagnosis of impaired renal function
Estimated glomerular filtration rate (eGFR)
Sodium
Potassium
Chloride
Calcium
Phosphorus
Total Protein
Albumin
Globulin
Albumin/Globulin Ratio
Bilirubin: Evaluates kidney and liver function
Alkaline Phosphatase: Evaluation of liver and bone diseases
LDH (lactic dehydrogenase)
AST (SGOT): Evaluates liver function
ALT (SGPT): Evaluates liver function
Iron (serum) Lipid Profile: Evaluates the risk for developing atherosclerosis (arterial plaque) and coronary heart disease.
Total Cholesterol
Triglycerides
HDL Cholesterol
LDL Cholesterol
Total Cholesterol/HDL Ratio Complete Blood Count:
Red blood cell count
Hemoglobin
Hematocrit
Red blood cell indices
Mean corpuscular hemoglobin
Mean corpuscular hemoglobin concentration
Red blood cell distribution
White blood cell count
Differential count
Platelet countA 12-hour fast is required for this blood test. However, drink plenty of water and take your medications as prescribed.

Designed for those who fit 31 hours into one day. Superior craftsmanship create the perfect tote for your daily documents and evening escapades. Sophisticated clean lines, fold over zip closure and double handles ensure true versatility.

Designed for those who fit 31 hours into one day. Superior craftsmanship create the perfect tote for your daily documents and evening escapades. Sophisticated clean lines, fold over zip closure and double handles ensure true versatility.

Hang 'Em High $4.00 Amazon Free Shipping with PrimeThey riddled him with bullets. They strung him up. They left him to die. But they made two fatal mistakes: they hanged the wrong man...and they didn't finish the job. In his first American-made western, Clint Eastwood indelibly carves his niche as the quintessential tough guycool-headed, iron-willed and unrelenting in his pursuit of revenge. Oklahoma, 1873. Jed Cooper (Eastwood), mistaken for a rustler and killer, is lynched on the spot by crooked lawman Captain Wilson (Ed Begley) and a rampaging band of vigilantes. But as Wilson and his gang flee the scene, there's one very important detail they've overlooked: Cooper is still alive! Out for justiceand vengeanceCooper takes on the job of deputy marshal...and, one by one, tracks down the nine men who "done him wrong."Format: Blu-ray, NTSC
Language: English (Dolby TrueHD), French (Mono), Spanish (Mono)
Subtitles: English, French, Spanish
Dubbed: English, French
Region: Region A/1 (Read more about DVD/Blu-ray formats.)
Aspect Ratio: 1.85:1
Number of discs: 1
Rated: PG (Parental Guidance Suggested)
Studio: MGM (Video & DVD)
DVD Release Date: May 10, 2011
Run Time: 114 minutes
Average Customer Review: 4.1 out of 5 stars See all reviews (92 customer reviews)
ASIN: B004TJ1GYW
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Found this deal for an up and coming authors new book release. The link is to the author's web page where they can read more about her and her work as wells as download her novels directly to their computer.Short description:
Briana Douglas is a 17-year-old girl whose mother died when she was young. Since then, she has been taking care of things at home as the only female among her dad and 3 brothers. When her family up and moves from their hometown, things start heating up. Part two of a touching two part series! Extended description:
17 year old Briana Douglas is suddenly uprooted from her hometown of San Diego, California by her father due to a job offer. Since the death of her mother at age seven, it has been Bree's three brothers, her father and her for the majority of her life. At her new school, Briana makes two new friends named Brooklyn and Cassie; Cassie she later finds out is a teenage mother in school. Things take a different turn when Bree meets Jordan, as she is intrigued by him instantly. However, along the way some skeletons start coming out of certain closets. In this story of love's ups and downs, Bree has to overcome obstacles in her relationship and friendships in order to make herself truly happy. Part two of two. Download here:
http://www.cherellecooper.com/Cherelle Cooper Biography:
I am 26 and a mother of two...Besides being a mother, my professional background is that I work full time as an administrative assistant at an Aerospace Company in California. I am also currently going to school full time to get my Bachelors Degree in Business Administration.I enjoy reading, writing, and making music, as far as playing guitar and singing. I enjoy writing stories aimed towards teenagers (since at one point I was a crazy one, lol) and love stories and I hope to become an author one day! I absolutely love, love, LOVE all different types of music. Another thing I love is tattoos...I currently have 13 and counting...Hope you all enjoy my stories... I spend numerous amounts of time on them!

The ASUS TF600T-B1-GR Tablet allows you to experience your digital content in a whole new light.

Free entry to over 200 cultural attractions
Plus, half price entry to major exhibitions, with a free, three-month National Art Pass, exclusively with The Telegraph on Saturday, March 30, 2013. Also, don't miss your two free 16-page guides: 100 Years of Heritage & Hay Festival, free inside The Daily Telegraph, this Saturday, March 30, 2013.http://www.telegraph.co.uk/promotions/9946062/free-entry-cultura...How to claim:
Purchase The Daily Telegraph on Saturday, March 30, 2013 for full details on how to claim your free National Art Pass.Does anyone have access to this paper through their university library?Good karma offered to anyone who shares the special URL contained therein.

Seems like a decent deal for a SOHO. Decent reviews on Amazon, except one user who pointed out that it doesn't do digital reporting.LinkReviews
Rakuten.com Shopping (formerly Buy.com) Coupons

Amazon - Vacu Vin 4882350 Stainless Steel Pineapple Easy Slicer $7.31 - Reg. $20-Peels, cores, and slices an entire pineapple in seconds
-Made from durable, stylish stainless steel with a medium-sized blade
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-Ideal for a hostess gift or for tropically themed partieshttp://www.amazon.com/Vacu-Vin-4882350-Stainless-Pineapple/dp/B0...
Amazon Coupons

At the end of January, Am-Ex sent me a letter that said "A merchant where you used your Am-Ex (Blue) card detected unauthorized to its data files. We believe the merchant's affected data files included your account number, name and other card information such as expiration date....Our systems have not detected any unauthorized activity..." Did anyone else receive a similar letter in the last few months? In the months prior, I had only used my Blue card at a few supermarket chains (Trader Joes, one of the Ahold chains, Whole Foods, and safeway) as well as one purchase at HSN (to get the $10 credit for a gift purchase). Am-Ex will never tell you which merchant caused the letter, but I'm curious if anyone else got a letter and made purchases from these companies.

Take the the survey located here. At the end you will be told whether you are getting the sample, but you don't know what until it arrives at your door. Those who don't qualify will get a coupon, but most have been reporting a sample. To increase your chances for a sample, check mostly the "Strongly Agree" and "Agree" boxes.
"Thank You!Your sample is on the way and will be delivered in 6-8 weeks."

LinksRus $14.99 + extra 20% off in cart. Free store pick-up, free shipping w/ $79 or add $6.38 ship to home

The Skylander Adventure Case is the perfect gift for Skylander collectors of all ages. In it there is room enough to hold and store many Skylander action figures. It is even large enough to hold all thirty-two.
Additionally, the case comes with a game-play mat that can be easily removed and put back in the case. This is ideal for kids who want to transport and enjoy their collection at a friend's house or school. There is also a comfortable strap for carrying, and a special compartment in which to keep the Portal of Power in your Skylander Adventure Case.
different one Skylanders Spyro's Adventure Carrying Case $14.38 in cart
Toys R Us Coupons

Indie singer-songwriter Josh Rouse has been around long enough that he now resembles the luxurious '70s soft rock he was influenced by. "The Western Isles" shows Rouse at his bittersweet best. The tune stars a loving couple who escape their tough working lives for a short blissful vacation. Maybe they'll make it back to "The Western Isles" one day to staybut the searing way Rouse sings "we're almost home" towards the end makes the return of real life sound more like a threat than a promise. Nick Dedina, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=Boubobv2chthbkrlhaf...ORGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day

Please don't put this in the old direst deposit post on this topic - that post is from 2006 - nobody will read it, its 2013. The 2006 info is outdated. I know this has been covered in another thread but as I read thru it, it mostly talks about who accepts ING Direct which is now Capital One 360 and PayPal as ACH (DD). But the truth is, after multiple transactions, ING Direct is almost always showing up as a transfer and when you transfer money into them for making the transfer, there's a long hold time esp. when you add in the weekends. To make matters worse, they only allow 2 external accounts assuming you use your regular bank as one to move cash in and out. Another pet peeve I have is they ask you 4 security questions when adding a new account and every time they ask a 4 phone numbers security question and most of the time the numbers are over 20 years old - then you get locked out and have to go thru a security lock out process on the toll free. I checked a phone number I got wrong and it was from when I was in college at 19 years old - I'm 55! Anyway what other banks are folks using? Take into account that we all know that different banks process differently so you'll never have a really high success rate(please don't post an aggressive reply about how impossible it is). I was using HSBC for awhile - you could use any amount of external accounts - really easy to set up - no holds - fast processing - success rate was pretty good but lately all I see are transfers on my online activity - the last 3 as a matter of fact and the bonuses were $150 so I have to look elsewhere.
I've targeted Emigrant Direct - heard good things about them anybody have experience with them? I'm checking with them to see how many external accts, you can have.
I don't want to deal with PayPal - they'll barrage me with other products and reports
There has to be some other banks beside the old ING Direct (which hasn't worked for in my repeated experience and maybe now using Capital One's system) and Pay Pal.What other banks are working? Thanks!

As always, only guaranteed free at time of posting.The Rules of Life, Expanded Edition: A Personal Code for Living a Better, Happier, More Successful Life (Richard Templar's Rules) [Kindle Edition] 4 star - 74 reviews
http://www.amazon.com/Rules-Life-Expanded-Edition-ebook/dp/B0047...
Pub. 11/11/10The first edition of The Rules of Life: A Personal Code for Living a Better, Happier, More Successful Life became a global phenomenon, topping bestseller charts around the world. This revised edition includes nine new rules to take you further, faster. Author Richard Templar brings together 106 practical rules that happy, successful people follow, even if they've never thought about it. These are realistic, commonsense things you can do differently, starting today... small things that make a powerful difference. Templar offers real wisdom on:Deciding what's important and what isn't
Focusing on changes you really can make
Using your intuition
Learning positive lessons from your regrets
Having great dreams and making practical plans
Staying young
Forgiving without becoming a pushover Follow The Rules of Life. You'll feel better. You'll be a better friend, partner, and parent. And you'll leave the world a better place
=============================Cavelady Cooking: 50 Fun Recipes for Paleo, Low-Carb and Gluten-Free Diets [Kindle Edition] 3.5 stars - 19 reviews
http://www.amazon.com/Cavelady-Cooking-Low-Carb-Gluten-Free-eboo...Whether you're new to a paleo or gluten-free lifestyle, or just looking for some new ideas, this book has you covered: breakfast, lunch, dinner and snacks. If you're seeking for new recipes that are free of grains and gluten - this is the perfect book for you. If youre familiar with Hilah Cooking, you know I dont focus my show recipes on any particular diet I just like to keep things simple, good, and pretty much Texas by default but my cookbooks can be something else. I know this one wont automatically appeal to everyone who watches the show and uses my recipes, but I think it will appeal to anyone whos following the gluten-free, low-carb, or Paleo diets, as well as anyone who just wants some new ways to cook vegetables and meat!Cavelady Cooking covers breakfast, lunch, dinner, sides, snacks and desserts.Some breakfast highlights are: Crabcakes Benedict; Potato-free hash; Counterfeit Lara bars; plus several more recipes, not even including 6 funky smoothies!For lunch, I got real. Real life. So were talking lots of make-ahead soups and salads and re-purposing leftovers into deliciousness! Plus some pretty brilliant ideas on making sushi rolls sans rice and tuna salad sans mayonnaise.The chapter on dinner is ten brand-new recipes including easy homemade Italian sausage (so you can avoid added sugar and preservatives), Cuban chicken, Indian kofta, and pesto-olive roasted chicken. Each main dish recipe offers serving suggestions from the side dishes chapter, which is my personal favorite of all the chapters!These side dishes are anything but pedestrian. Simple but unusual ways to prepare familiar vegetables like chard, cabbage, spinach, and okra will brighten up your plate and then your face! I even included a recipe for mushroom-stuffed acorn squash that could double as a vegetarian main-dish, should you ever need one.I also offer a quick chapter on snacks and desserts. From no-cooking-snacks to baba ganoush, I got your snacking needs covered. For dessert, how about some plantain fritters or a peach crumble!All of the recipes offer shortcuts and substitutions when possible to keep it as easy as possible on you, the cook!=========================================Extraordinary Popular Delusions and the Madness of Crowds [Kindle Edition] 4 stars - 95 reviews
http://www.amazon.com/Extraordinary-Popular-Delusions-Madness-eb...
Pub. 4/8/10The frequently quoted classic exposition of the madness and folly of "popular opinion". Extensive discussion about history's most infamous speculative investment bubbles - the Tulipmania, the South Sea Bubble, and more. Additional coverage and debunking of delusions including alchemy, witch-hunts, The Crusades and duels. Present day writers on economics, such as Andrew Tobias, laud the chapters on economic bubbles.
============================================49 Slow Cooker Paleo Recipes for the Caveman Diet [Kindle Edition]
http://www.amazon.com/Cooker-Paleo-Recipes-Caveman-ebook/dp/B00B...
Pub 1/27/13
The author lost 100 pounds with the caveman paleolithic diet. What is the caveman diet? No, don't flinch, it's not another worthless weight loss plan. It's a diet plan for paleo food that isn't just about low calorie recipes. This paleo cookbook is chock full of recipes for healthy meals that actively promote healthy eating habits, but they're also slow-cooking recipes for convenience in a busy world. The caveman crockpot revolution is about listening to the primal nutrition needs of our millions of years of evolution while taking advantage of modern conveniences. Crockpot meals too often mean unhealthy eating patterns. This collection of slow cooker recipes is largely gluten-free but still innovative and resourceful. If you're tired of the same dull beef and veggies (though we have some of the best crockpot recipes for those, too), you'll find a little bit of everything in this collection -- literally from soup to nuts. Paleo adherents will know that some say paleo people can eat wild rice -- and that wine isn't off the diet. Paleo cookbook recipes aren't hard to find. What's hard to find are recipes that add variety to our lives. Nothing is more boring than a dull Neanderthal diet. These are not only great hunter-gatherer recipes, they're also some of the best crockpot recipes available.Since they're not the same old, boring fare, there are some extra work steps with a few of them, but most are pretty cut-and-dried for a hard-to-please family. So party with your family like it's 1999 BC. You will lose weight with this plan you will succeed. You're falling back on millions of years of the wisdom of the human species to support your efforts. If you thought paleo recipes reduced you to crappy-tasting bread and a future with no rice, think again! Paleo is a very adaptable plan. Here are some of the recipes within:* Chicken Vegetable and Nut Butter Soup
* Primal Vegetable Wild Rice Soup
* Easy Caveman Breakfast Torte
* Yowza Wayleo Paleo Nut Pot
* Crockpot Antelope Steak
* Chicken and Shrimp la Neanderthal
* Paleo Slow Cooker Squash with Cinnamon, Cranberries and Apples
* Barbecuus Neanderthalus and many more.So join the caveman diet evolution revolution. Cavemen ate many more things than we think! Paleo recipes and the Paleolithic diet plans don't have to be hum-drum any longer. These recipes for the paleo slow cooker nutrition plan constitute one way to build healthy meals around a busy lifestyle. The paleolithic diet lends itself well to the crockpot since the appliance harkens back to the campfire of our most ancient ancestors. Paleo cookbooks that involve the slow cooker in them allow the future and the past to wrap around and meet each other. No matter what we choose to call it the caveman diet, the paleo diet plan, the caveman paleolithic Stone Age diet or the hunter gatherer recipes, it doesn't have to be a hunger-gatherer diet! Satisfy your inner caveman with these fun and innovative recipes. If you're new to paleolithic, the good news is that hearty meat-eaters will love this diet. Weight loss plans and healthy meals used to mean green veggies and fruits plus a little lean meat but very little else. We now know a lot more about human physiology, about the capacity for people to incorporate foods humans have eaten for centuries, such as fatty meats, in a healthy eating way, so long as the meats are carefully chosen and prepared. But vegetarians are welcome, too. The emphasis is always on raw and unprocessed foods.This isn't just any other gluten free or low carbohydrate diet. It's a very special one that was designed to meet the evolved needs of our species. Recipes for healthy meals no longer need to filch food out of a rabbit's hutch. This paleo cookbook provides paleo breakfast recipes for the slow cooker, along with caveman approved complete meats, paleolithic ethnic recipes, and many more. We've tried to create the best paleo slowcooker cookbook that we can.
-----------------------------------------------The Addicted Brain: Why We Abuse Drugs, Alcohol, and Nicotine (FT Press Science) [Kindle Edition] 4.5 stars - 31 reviews
http://www.amazon.com/The-Addicted-Brain-Nicotine-ebook/dp/B005G...
Pub. 10/31/11Addiction destroys lives. In The Addicted Brain, leading neuroscientist Michael Kuhar, Ph.D., explains how and why this happensand presents advances in drug addiction treatment and prevention. Using breathtaking brain imagery and other research, Kuhar shows the powerful, long-term brain changes that drugs can cause, revealing why it can be so difficult for addicts to escape their grip. Discover why some people are far more susceptible to addiction than others as the author illuminates striking neural similarities between drugs and other pleasures potentially capable of causing abuse or addictionincluding alcohol, gambling, sex, caffeine, and even Internet overuse. Kuhar concludes by outlining the 12 characteristics most often associated with successful drug addiction treatment.Authoritative and easy to understand, The Addicted Brain offers todays most up-to-date scientific explanation of addictionand what addicts, their families, and society can do about it.-----------------------------------------Fight Now: Eat & Live Proactively Against Breast Cancer [Kindle Edition] 4.5 stars 19 reviews
http://www.amazon.com/Fight-Now-Proactively-Against-ebook/dp/B00...
Pub. 9/15/10Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clearWhether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.
================================================Keep Calm and Stretch: 44 Stretching Exercises To Increase Flexibility, Relieve Pain, Prevent Injury, And Stay Young! [Kindle Edition] 4.5 stars - 25 reviews
http://www.amazon.com/Keep-Calm-Stretch-Flexibility-ebook/dp/B00...
Pub. 11/13/12Now The #1 Bestselling Book In Physical Medicine and Rehabilitation!You Could Be Feeling A Million Times Better Right Now If You Only Knew How To Stretch Properly! It is a simple answer that is often overlooked, but stretching has the ability to Rid your body of pain
Heal past injuries
Prevent future injuries
Keep you flexible and active
And make you look and feel young!
As a yoga instructor, author Julie Schoen understands the power of stretching. In fact, she used it herself to heal her body after a serious car accident left her broken and depressed. But you don't have to do yoga in order to benefit from stretches! Schoen has compiled Keep Calm and Stretch as your guide to the 44 best stretches to do on a regular basis, each with photo demonstrations and step-by-step instructions for stretching effectively. Discover the secrets to getting more flexible and you will be amazed at how good your body and mind start to feel. Keep Calm and Stretch has the potential to change your life.
=====================================More coming later...and feel free to add!

Office Depot FAR software for the week of 03/31/2013 (two $10 AR titles)
McAfee Total Protection For 3 Users [830-788] $79.99
$9.99 After $60 Mfr. Mail-In & $10 Mfr.Trend Micro Titanium Internet Security For 3 Users [220-849] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Current User
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned. LINK
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.====================NOTES:--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons

I have a family member (not immediate) who is a Radiology resident, so it does carry some interest. A 5-to-7 years commitment as a resident is huge and is very much real. Job Prospects Are Dimming for Radiology TraineesFor years, medical students who chose a residency in radiology were said to be on the ROAD to happiness. The acronym highlighted the specialties radiology, ophthalmology, anesthesiology and dermatology said to promise the best lifestyle for doctors, including the most money for the least grueling work.
A dozen radiologists in training at St. Barnabas Hospital in the Bronx received termination notices because the hospital is ending their residency program.
Not anymore. Radiologists still make twice as much as family doctors, but are high on the list of specialists whose incomes are in steepest decline. Recent radiology graduates with huge medical school debts are having trouble finding work, let alone the $400,000-and-up dream jobs that beckoned as they signed on for five to seven years of relatively low-paid labor as trainees. On Internet forums, younger radiology residents agonize about whether it is too late to switch tracks.

https://docs.google.com/document/d/12-mGaUTW0eVoFH7sWdcfncRsh8v1...
ECB DEALS
Spend $10 Get $2 ECB wyb Evian natural spring water 1 liter, Minute Maid, Fuze, Gold Peak or Honest Tea 15.2-16.9 oz 3/$5 Limit 1$1 ECB wyb (2) Kellogg's Frosted Flakes, Krave, Raisin Bran 11-18.2 oz, Froot Loops or Apple Jacks 8.7 oz 2/$4Spend $30 Get $10 ECB wyb these P&G products: Limit 1
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$1 off Oral-B Pulsar, 3D White, Pro-Health, Complete, or (2) Cavity Defense Toothbrushes,(P&G 03/31)Spend $10 Get $5 ECB wyb Crest Pro-Health rinse 8-33.8 oz Limit 2
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*shows $7 coupon coming*
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ALL CVS or Radiance Vitamins Limit 6
Nature Made value sizes 80-500 ct.
Gevalia Kaffee 12 oz, Nescafe Clasico or Taster's Choice 7 oz
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GUM accessories
Colgate Total 4.2 oz, Total Advanced 4 oz or 360 whole mouth clean toothbrush 1 ct.
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Colgate MaxClean, MaxWhite or MaxFresh toothpaste 6 oz $3
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24 pack purified water 16.9 oz bottels $2.44
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Pepperidge Farm Goldfish 6.6-8 oz or Combos 6.3 oz $1.49
Bic dispoable shavers 3-12 ct. (BOGO 50% OFF)
Woolite 25 loads $6.99
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thnx sd= NatureMade; Today at 06:12 PM..